BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX XXXX. Capital one has been refusing to give me access to my funds. I got a direct deposit from XXXX XXXX XXXX ( XXXX payer group ) in the amount of {$32000.00} on the XXXX of XX/XX/2023. The deposit was as a result to what IRS owed me and refunded. I went to the bank the next day and I was told theres a block on my account and I cant access my funds for now. I was so disappointed then I proceeded to ask the lady whats the actual cause of the restriction on my account, then she said its because of a previous check I deposited in the amount of {$5000.00}. I told her, I didnt take a dime out of that money and I was the one who requested for a stop payment on the check. So, I told her I want a check for the good funds in my account which is my tax refund from IRS but she said I cant access my account. I went there another time with my tax documents, hoping to show them the documents in order to access my money but she refused. Meanwhile, before I went to the bank the third time, I talked to the account activity department on ( XXXX ) XXXX and the lady who talked to me, told me to go into the branch and I will be given access to the good funds from IRS but unfortunately upon getting to the bank. The branch ambassador which is XXXX ( XXXX ) XXXX and her contact numbers are ; XXXX, XXXX refuse to give me a check for the good funds despite the fact that the other supervisor said I should go in there to get it. Well, Im suspecting a foul play and I think capital one is just trying to steal from me or maybe its the branch ambassador but then, please and please I need MY MONEY. Im starving and broke, help me please! I want access to good funds that came from the XXXX payer group please. Im begging!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Self Financial Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am reaching out to request the validation of a debt associated with an account. Additionally, I would like to explore the possibility of settling the account if validated while seeking an arrangement for the permanent deletion of the account from my credit report. 

I kindly request your assistance in providing the following information for debt validation : 1. Original creditor 's name and contact information.

2. Account number and date of debt inception.

3. Detailed breakdown of the claimed amount, including any interest or fees.

4. Supporting documentation demonstrating my liability for the debt.

I kindly ask for your prompt support in providing this information within 30 days. To ensure fairness, I also request the suspension of any collection activities related to this debt until its validity is confirmed.

Once the debt is validated, I am eager to discuss a settlement arrangement. Furthermore, I kindly request an agreement to permanently delete the account from my credit report upon successful settlement. This mutually beneficial arrangement would allow me to rebuild my credit history without the negative impact of this debt. 

I truly appreciate your understanding and cooperation in this matter. Please kindly reply to this email or arrange for an appropriate representative to contact me. I am available at the provided email address or phone number to discuss the next steps or provide any additional information required. 

Thank you for your attention, and I sincerely hope for your assistance in reaching a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: BSI Financial Holdings, Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Since COVID where XXXX XXXX XXXX very bad for XXXX months and still have XXXX XXXX from XXXX I had to reduce the overtime hours I worked I was out of work for XXXX months in XXXX without pay I went back to work and still find it hard to keep up with all my bills and now Im back out of work since XXXX and should be going back in XXXX and Im also not getting and pay because Im waiting on a court date for the judge to have workers comp start paying me. Also my wife is out of work due to a disability since XXXX to present she had XXXX surgeries in that time and still has not healed yet her last surgery was XXXX XXXX in XXXX of XXXX. So I was hoping for a pause in mortgage payments or a reduction to XXXX with no penalty or restructure the loan please and thanks I really would appreciate this my kids are in college and I just want them to continue their studies without worrying.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received an offer letter stating 0 % APR and {$300.00} cash bonus but never received the bonus nor the interest rate. 
I called Capital one and they told me at the end of the application I was told that I was not approved for the offer and they are going to give me an alternative offer. I has never seen this statement during the application for this credit card. 
I strongly believe this is a case of bait and switch. I have a picture of the letter that was sent to me. Even if I was not approved for the offer they should have informed me via Email or mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: DISCOVER BANK
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Discover card has been using my information to file inaccurate reports at the credit bureau. I trusted them with my information and what they have done for months is abuse my information, to the point that it feels criminal.

Discover card told me on a recorded conversation that what they tell the credit bureau doesn't matter and if I wanted to get a loan all I had to do was call them. This is not true and for them to say something like this to me says they can not be trusted with my information. Any and all they do with my information from this point forward will be documented and viewed as identity theft. 

I believe that I am not the only person they filed false balances for, I have conversations with them I have not posted yet that prove they are engaging in consumer fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was going to work in the middle of the street, and some boys approached my car selling a T-shirt. I put in the amount but could not see the company 's exact name. A kid grabbed my phone, put in {$180.00} over and gave my phone back, and ran. I could not run after him. I was in the middle of the street, so I pulled over. There was a police officer there who told me to report it to the police.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX, and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$470.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account does not belong to me its fraudulent account that I have not opened its being reported to transunion under a social security number does not belongs to me from midland credit management Inc Beginning or ending with XXXX in which I have spoken with transunion and midland credit management Inc and neither one of these companies have not corrected this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Credit Karma, LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
From XXXX XXXX XXXX XXXX there were multiple charges on my account totaling {$3000.00}. I filed Dispute ID : XXXX in the amount of {$3000.00} that I reported on XX/XX/2023 even though they didn't file the dispute until XX/XX/2023. They have since denied my dispute despite the fact that they sent a debit card to XXXX XXXX XXXX even though that address was never associated with my account nor given to them at any point. They also mailed the denial letter to the incorrect address even though my address is properly reflected on my account. They refuse to provide any documentation and have now locked my account after I recently submitted verification documents to regain access and ensure that my information is correct on my account. I can not access any funds on the account due to the lock and they refuse to replace my money even though its obvious it was ab error on behalf of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: OneMain Finance Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
I have been getting constant harassing phone calls from Onemain financial services, stating that I need to pay my title loan. As, I have already catched up to my previous amount owed. I mentioned to them ( Onemain financial ) that, I have been injured in a commercial car accident. And, I had been paying an insurance with the car loan, WHICH the insurance company has paid the loan amount into my account/balance. They keep calling me, when in fact the actual XXXX payment is not due until XXXX XXXX of this year. They are disregarding the letter the main corporation sent to my previous case attorney, XXXX. They keep calling me and pressuring me to pay something that is not due for a couple months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I need paper work to validate the debt I never received contract purchases the whole credit file as I believe this was done XXXX my wife when I went to jail and I cant prove that in court unless I get the information on my credit file. I am a XXXX customer so the fact that I am not reachable is not valid its an excuse. Please mail me my credit file as I believe this was done fraudulently

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment of {$1500.00} by ACH from my account with XXXX  XXXX XXXX XXXX to my XXXX XXXX with Wells Fargo on XX/XX/XXXX, it was never posted, after 5 days I disputed it, Wells Fargo put another charge of {$1500.00} on my credit card, I have filed a complaint with Wells Fargo executive office and I have been to XXXX deferent branches talking to managers, no one is giving any solution or fix to the this issue. 
I am announcing this to be an organized fraud perpetrated by Wells Fargo as they have been doing in the past.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: CITIBANK, N.A.
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have made two recent payments to L.L. Bean Mastercard. According to my bank and my online L.L. Bean account they have cleared. I have also received text messages from L.L. Bean that the payments have posted to my account. Yet I am unable to use my card and my bank account is continually being debited for returned check fees. My bank balance is sufficient to cover the payments I made, and again the payments have cleared with my bank. I have spoken with L.L. Bean several times, and have repeatedly been told the payments and access to my card will release in one week. It has already been one week, and now I am being told it will be another week. Meanwhile other payments scheduled to be made from my card can not go through. There is no reason for this delay, as according to my bank records and L.L. Bean 's own records, the payments have already cleared

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Chime Financial Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Chime takes the money you put on your chime credit building card, and reports it as money owed. I put some money on my card, and they reported that I owed that money, which resulted in my credit going way down. It's meant to help you Build your credit, but it does complete opposite. You can not put I owe a balance of my money that is there. Example : If I put {$300.00} into my credit builder card, chime reports it as {$300.00} dollars owed to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Block, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Sponsored account for teen. Teen lost card and phone. Unable to use sponsored account. Stranger sending pay requests to account. Cashapp not concerned. Not allowing parent to close account sans starting balance is now deceased by small amount but decreased. Cash app not helping me. Told me to create a second sponsored account to do s transfer then couldnt do the transfer. Today can not hello at all will email me later

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Back in XX/XX/XXXX, I had a XXXX  run a report on my husband that revealed he and someone from within Bank of America, created paperwork that claims to refinance the marital home I purchased alone in XX/XX/XXXX. They forged my signature. I spoke to a BOA rep named XXXX in XX/XX/XXXX. She stated BOA would send me all the contracts as the version I had via email had been blocked/password protected as a result of my email being hacked. XXXX said I would receive the following : loan history, monthly statements with the various mailing addresses on all statements, loan application, deed and the note. This paperwork would be sent for the mortgage, HELOC and lean release. There is corruption in the local legal system and previous Attorneys, representing me, either would not return the hard copies or sent subpoenas improperly so that BOA did not have to respond. I never refinanced my home and did not sign these contracts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On Amazon I was solicited for a {$250.00} Gift Card and a XXXX % cash back credit card if eligible ( sponsored by Chase/AMAZON Prime Visa ) . I applied on XX/XX/XXXX with an income of almost {$300000.00} annually, rent of {$2500.00}. per month, no other debts, and a XXXX score of over XXXX. I was denied for the offer, got a ding on my credit, the denial confirmed my score at XXXX but claim my obligations are too high to my income. I calculate my debt to income ratio at XXXX  %. If I am not eligible for this card who is? I feel like this was a scam to get my information. I also noticed other complaints of the same nature, feeling like denial was not correct and this was some type of scam to get folks to apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: 21ST MORTGAGE CORP.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
21st mortgage purchased my home loan. When they first contacted me they were harassing me for payments that were not due to them but my previous mortgage holder. I was told to learn how to pay my bills, after completely hostile phone calls and inappropriate behaviors from 21st mortgage I have blocked these calls due to feeling threatened into having my home taken for being XXXX day late. I am currently just XXXX  days late I have been locked out of my account until I speak with the account manager. I do not feel safe speaking with these people I just want to pay my mortgage as due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: The CBE Group, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I have received a high number of calls from this debt collector. I have requested they send me documents advising what is owed and requesting a statement more than once. I've checked my mail and never received anything. I verified my mailing address and they have it correct but keep calling to get payment. I advised i would call them back once i receive the statement to set up a payment plan and they just keep calling my personal phone. Now they have gotten in contact with my employer, called numerous times and i have management looking at me differently and advising i shouldn't be taking personal calls on a work phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: John C. Heath, Attorney at Law, PLLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
During the period from XX/XX/XXXXXXXX  to XX/XX/XXXX, I engaged the services of Lexington Law Firm with the aim of improving my credit score and resolving credit-related issues. At the time, I was hopeful that their credit repair services would provide effective solutions and help me achieve my financial goals. 

I committed to a monthly payment of approximately {$120.00}, trusting that it would be a worthwhile investment in my financial future. However, as the months went by, I noticed that no significant improvements were made to my credit, and none of the credit issues were resolved. Despite my efforts to stay informed about the progress, my interactions with their customer support team were often unsatisfactory, as they provided minimal assistance and updates. 

In retrospect, I regretfully admit that my experience with Lexington Law Firm did not meet my expectations. As a result, I feel that I spent hundreds of dollars without receiving the level of service and results that were promised and expected. 

Considering the lack of tangible outcomes, I am seeking a full refund for the period of service from XX/XX/XXXXXXXX  to XX/XX/XXXX, during which I did not receive the credit repair services that I had initially signed up for. I believe a refund is a fair and appropriate resolution to compensate for the services I did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I reported 8 transactions for fraud, because I did not make these transactions. CIti however found me responsible for these transactions even though I did not place these purchases. Citi called me asked me 3 questions, and automatically made me responsible for them. I am requesting written documentation and proof from the merchants or vendors for these transactions. Also requesting written documentation and supporting documents from Citi on why these transactions are not fraudulent. Feels like Citi is just automatically assuming responsibilities on the consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation