BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-15
Company: Army and Air Force Exchange Service
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2021 Encounter a Fraud and Identity theft from Military Star Card that doesnt belong to me account # XXXX total amount XXXX had so been reported XXXX Customer Service From Military Star, and again on XXXX XXXX to so collection started taken on my social security account to reimburse debt, that doesnt belong to me and not responsible. I never had received any information or letters from Army and Air Force Exchange. 
XXXX XXXX when I notified Military Star Customer XXXX Service about fraud on my credit report they question asking for full name, XXXX City, State ZIP Code, and full social security number. Temp place on hold there after ask that my Identity theft being used, will close account and that I didnt had to pay on theft amount. They been so told to present I had never had a Military Star Card Account. 
I prefer a federal investigation into this identity theft who committed a crime, and question Military Star for answers to collection on my social security, and where, what address city and state identity theft military star card was mailed.

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 2021-05-16
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I'm a loyalty XXXX and American Express customers. But these two banks close all my credit cards accounts recently. XXXX : They close all my credit card account and claim I have too many additional card holders for my XXXX credit cards. After they told me, I have close all my additional card accounts. But they still decide to close all my XXXX credit card account ... It's not fair. American Express : Last month, they start a Financial Review on my account and I have follow the step to file my tax return to them, but they still close all my accounts. I have no idea why they decide to do so. P.s : All my XXXX and AMEX credit cards have no balance due and I always pay the bill on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: DISCOVER BANK
State: TX
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: Investigation took more than 30 days

Complaint:
Companies response says they will take longer than 30 days to resolve the dispute. Fcra allows them 30days. The information they provided violates the fcra because it lies about the time frame a company has to resolve a credit dispute. A creditor can not provide misleading information to a consumer. Their response attached. FTC theft report number is XXXX. Please remove from credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I submitted dispute to experian to remove public record Index No. XXXX Civil court of NY via certified mail and still have not received a initial response. I also have sent prior dispute without a single letter of receipt by experian. the default judgement has been vacated

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 2016-04-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
This status that I received a credit report on XX/XX/2015. I did not! I need to see my report so that I can file disputes that may or may not be on there

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 2021-05-17
Company: EQUIFAX, INC.
State: PA
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:
I am writing to delete the following information in my file. The items that need to be deleted are listed in my report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This Agency claims they investigated my dispute but yet they continue to report inaccurate balance on my report.I have contacted them on a number of occasions but they wont respond at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
victim of identity theft and fraud I have never establish credit or lived outside XXXX before 2014

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I have filled a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I wanted to share a complaint I have made to the CEO of Capital One. I have a XXXX Platinum that I am fighting to have fraudulent charges removed from my account and wanted to make you aware that clearly even though they are backed XXXX, they do not employ zero fraud liability. I 'm being held responsible for 90 days for these charges. Feel free to contact me further to discuss this matter. 
Hello XXXX XXXX, I wanted to bring an important matter to your attention about XXXX of my XXXX capital one cards. On XXXX XXXX, 2015 my car was broken into and I immediately reported my XXXX card stolen. At the time of my call, XXXX charges had been fraudulently made. XXXX charges were made at the same location, XXXX XXXX in the amounts of {$200.00} and {$210.00}. The representative said that the charges would be credited to my account within XXXX hours and new cards would be issued. 
On XXXX XXXX, XXXX charges posted to my account. I placed a call back and spoke to a Fraud specialist. She stated to me that the reason the charges posted were because at the time I called they were " pending ''. During that same phone call, I also gave the police report number as well as the phone numbers to the police station and burglary department. She then issued a credit for XXXX charges which cleared my account quickly on XXXX/XXXX/15. 
On XXXX XXXX, I got an email stating that my account was over the limit by {$7.00}. I was puzzled because the limit for that card is {$1000.00} and at the time of the email only had a balance of {$460.00}. Earlier that morning I used the XXXX to pay my XXXX bill which was only {$130.00} which should have left me with an available balance of {$400.00}. So my husband called customer service and was connected with a Fraud Supervisor. The supervisor indicated that yes we were over our limit because the charges we had reported fraudulent were frozen to our account for 90 days until the investigation could be completed. So my question to you is, how does your company declare ZERO fraud liability when we are still being held responsible for these charges we did n't make? 
My husband and I have XXXX lines of credit totally to {$3800.00} and have nearly perfect payment history with Capital One. After going through this process, it 's clear to us that customer loyalty means nothing and so once this investigation is resolved we will be closing all XXXX of our accounts and taking our business elsewhere. I will also be filing this same complaint with the FTC and Attorney General as well as with XXXX. 
I 'm happy to discuss this with your or one of your associates further if you wish. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX/XXXX/15 Capitol One Bank called me and said that someone opened a credit card in Florida on XXXX/XXXX/15. It was not me. The credit card was opened in Florida and I live in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX, I booked flight tickets through the Chase travel portal using my Chase XXXX Rewards. The flight was scheduled for XX/XX/XXXX, which didn't happen due to COVID19 pandemic. 

The flight itself went through several changes and Chase didn't give me any update in time. I had to call several times, each time holding the phone for more than an hour without getting sufficient status on the airline and flight status. The agents always promised to do more research and emailed me but none did. This can be verified by Chase 's recorded phone calls with me. 

The last update I received from Chase regarding this flight was on XX/XX/XXXX. I was informed of the credit I received due to this flight being cancelled. In the email, Chase also promised to come back with more details regarding when I'll need to use the credit. 

I tried to call Chase in XX/XX/XXXX regarding conditions and terms of the credit. There was no update and the agent promised to email me after finishing the research. I never received any email or phone call from Chase regarding my flight. I bought this ticket on its {$550.00} Chase XXXX card, which I subsequently cancelled due to this frustrating experience. 

Today, which is almost 1 year since Chase 's last update on this flight ticket, I googled the internet to learn that this airline has gone into bankruptcy. I still do not hear from Chase what's the status of my flight credit and if I could get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-17
Company: EQUIFAX, INC.
State: GA
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:
I recently received a copy of my credit report and found an item on the report that is inaccurate. The account in question is XXXX XXXX XXXX. This account does not belong to me. It belongs to a relative with the same name that lives at another address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I got a copy of my credit report, which I have never seen before and it was shocking to see the amount of fraudulent activity. There were addresses that didn't belong to me and I contacted the credit bureaus and was told paperwork had to be sent to them to have my issues addressed. I told them I did not recognize the inquiries on my report and based on my consumer rights I wanted them deleted immediately, especially since Equifax and XXXX  have had breaches that put my credit information in the hands of thieves. They said I would have to prove again who I was by answering more verification questions after they already verified who I was. I don't know if the agent understood what I was saying about my rights cause they did not sound like their first language was XXXX. Out of frustration I filed a report with the FTC # XXXX. These accounts/inquiries should not be reporting to my credit report/file because they do not belong to me and should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: SYNCHRONY FINANCIAL
State: NY
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:
XXXX XXXX  IS INCORRECTLY REPORTING LOWES BY SYNCB IS MISSING PAYMENTS. THIS ACCOUNT WAS SETTLED. The bank tried to collect additional funds. This account was settled. Why does XXXX XXXX  continue to fraudulent report the account is not paid.

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 2016-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a car loan on a XXXX XXXX in XXXX from Capital One. I believe in late XXXX or early XXXX I had to file Chapter XXXX due to having an acute XXXX. The amount owed on the car was approximately XXXX, but due to filing Chapter XXXX, the amount was dropped to the value of the XXXX XXXX to XXXX. XXXX XXXX, XXXX, I got into XXXX which caused me to also lose my job. I could no longer afford making my bankruptcy payments, and my car was totaled. I ended up paying my car off as an agreement between my attorney and Capital One in the amount of the approximate XXXX, however Capital One is now saying that I still owe the difference, of approximately XXXX. I am now on XXXX because of XXXX the accident caused. Capitol One is not honoring the agreement they made with my attorney and it shows as a negative on my credit report each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: SYNCHRONY FINANCIAL
State: NY
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:
XXXX XXXX is reporting fraudulent information on my QVC account. This account is paid and been paid for over two years. How can I have missed payments and how can QVC Be a credit factor.

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 2017-10-12
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a loan modification approved by XXXX around XXXX and before I could make my first payment, I was transferred to shellpoint, then I made a payment and they sent it back, that I had to reapply with them. so I reapplied and have been going through XXXX with this company and have sent a ton of papers there. they also never told my wife anything about foreclosure and told me I was safe that XXXX XXXX had stopped in time to finish all the paperwork. this was fraud and these people do not care and left a message for a supervisor to call and that did not happen either. I also inherited this property from my parents, that is XXXX reason I want to stay here, need help

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I applied for a Capital One Venture credit card. When I received the card and called the number to activate it, it said that there was a fraud alert, and I was sent to their fraud department ( which is werid since the card was n't even active, but upon further research I discovered that this is standard process for them ). When I finally got to someone they said I had XXXX options 1 ) to fax or email copies of various documents including my social security card, pay stub, license, and birth certificate, but they admitted this process could take months since there can be a back and forth if the image quality isnt to their liking or I could 2 ) Go to any local bank, call Capital One and hand the phone over to a bank representative so that they could verify my identity. I was strongly encouraged to follow the XXXX route, even though it sounded sketchy and unprofessional since they had no agreement or arrangement with these banks and were putting the customer through an awkward process. After arguing with them about how scammy and unprofessional the process was, I decided to just try it, and no suprise XXXX XXXX XXXX said they thought it sounded like identity theft and they wanted no part in it, and actually thought I was trying to steal information from them. That was the last straw, I called Capitol One to cancel the card and be done with them, but they said that I couldnt cancel the card since there was a fraud alert, so I still needed to send them copies of all of my private financial documents or visit another bank branch hoping they would play ball. This feels like a scam, and if it isnt, its unfair treatment of a customer, and they are asking for a lot more information than they need and doing god-knows-what with it. I dont trust this company with my info and regret falling for their airline awards sign-up bonus trap. This is such a problem that their is a website dedicated to it ( which I would have done more research on this ) XXXXXXXXAfter hours on hold and being passed around and refusing to give my information to cancel, I finally got a manager who would do it. Now my credit score will be hurt by canceling a card within 30 days, can anyone help with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I was interested in re-financing my existing 5/1 ARM with Capital One, which is in its XXXX year. Their website ( capitalone360.com ) states 5/1 loans are available with no closing points. I called to start the re-finance application and was told that I would have to pay 1.25 % in points. This was not disclosed anywhere ontheir website. The loan I wanted for 0.00 % points was only available for a home purchase ( not re-finance ) with at least 40 % equity ( I have over 80 % equity ). Nothing on the website indicates these conditions except for the example of the monthly payment. This is basically a bait-and-switch tactic and misleading in order to get me to call for a loan and charging me for something else at a higher cost than advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04
Company: Byrider Franchising, LLC
State: PA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My auto company CNAC makes repeated calls to me and XXXX other people that are my friends and relatives no matter how many times I give them what they need. It wo n't stop and it needs to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: Remitly, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I proceeded to send {$6000.00} dollars to my father in XXXX using REMITLY. I sent it using their app. I sent it using the Express option which guarantees a fast delivery, usually within minutes. The money was due to be delivered on the same day XX/XX/2021 but up until the filing of this complaint ( XX/XX/2021 ), the money has not yet been delivered and it reflects on the app as " IN PROGRESS ''. The transfer reference number on this as provided by REMITLY on its app is XXXX XXXX XXXX XXXX. 
I have called the company numerous times after the XX/XX/XXXX date but I have been given the run around each time with reasons such as " tomorrow is a holiday and we won't be operating tomorrow, kindly check back the following day '' to " the issue is with our partner bank '' and other nefarious petty excuses. Upon a simple internet search of the company, I was able to find that other numerous consumers have been reporting similar complaints against the company with most ending up being defrauded of their hard earned money by this company. I wish I had done this XXXX  search on them before doing business with them. 
This company is a scam and a fraudulent company that operating as a company that sends money internationally but ends up stealing a percentage of it's consumers monies. I believe they escape detection by ensuring the amount or the number of consumers they defraud remain below a certain amount to avoid being on the federal government 's radar.

Company response to consumer: Closed with explanation