BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
To Whom It May Concern : In XX/XX/XXXX I received a Capital One credit card bill with a {$19.00} charge for " annual fee ''. Since I did not want to pay a fee for a credit card I called and asked what my options were for a no fee card. I was told I could change to the Quicksilver card that has no fee. This was fine with me until I got a new bill with the {$19.00} charge still on it. 
I called again and was told that the fee was for going forward only but I still owed the {$19.00}. This was not my understanding from the first call and would have canceled the card on the first call. I get offers in the mail regularly from Capital One for no fee cards. 
I think they are using some of the " XXXX '' type deception. I would have canceled the card on the first call and I think if you listen to the " recorded for training purposes '' recording of the call you will find this to be true. 

I want my {$19.00} back or I am going to cancel the card. 

I also want to know what steps will be taken so that this type of deception is stopped. 

XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I would like your assistance in obtain feedback from this company as to why they are reporting a charged off account out of date account on my credit files since XX/XX/XXXX? I do not own a account with this company and I wrote to both the company and the credit bureaus in XX/XX/XXXX advising that this account be removed or that I be provided with validation as to the date this account was opened and defaulted upon and provide me with all documentation used to validate balance owed. I have requested this company and the credit bureaus ( XXXX ; XXXX and XXXX ) close out this inaccurate out of date account and update my files accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: Community Health Investment Company, LLC.
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
the debt i do not owe is on my credit reports for collections paid from papers i filed on site for XXXX want to remain unknown and anonymous and will not show addresses of their businesses for privacythe collection was created falsely after my social security number was on filei got the account information from the hospital staff

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These companies violated my consumer rights, by sharing information without my knowledge consent or instruction

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 2022-08-31
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I've tried on one other occasion to get inaccurate findings off my report but nothing has changed. Accounts being reported as late but also appear as a charge off and dates do not match. Is it late or charged off, cause it can't be both!

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 2020-12-04
Company: MoneyLion Inc.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I made 3 transactions with the merchants XXXX in the amount of {$290.00} on XX/XX/2020, XXXX XXXX in the amount of XXXX on XX/XX/2020, and XXXX 's in the amount of XXXX on XX/XX/2020 which all 3 transactions were cancelled and confirmed by merchants with emails of the cancelled transactions. I contacted my financial institution several times through the application, and I was provided a phone number through the application to contact the Moneylion at XXXX. Upon contacting Moneylion on XX/XX/2020, the representative confirmed the 3 pending amounts on the account, but was unable to provide any explanation on the the whereabouts of the missing funds that were not made available and that as of XX/XX/2020 was still showing as pending in the account. I requested to speak to a supervisor in which my request was not honored and the call was ended without a resolution. The morning of XX/XX/2020 I checked the moneylion application for the pending transactions in which were no longer showing and the funds had not been place in my available balance, the transactions and funds were missing. I contacted moneylion and while holding there where constant dial tones and upon speaking with a representative, the call was disconnected after my request for a supervisor was refused. I then called again, and after a being placed on hold once again, a representative claiming to be the representative that disconnected the call previously called the line, The representative began to explain that there were no available supervisor, and once I explained to the representative again about the missing funds He advised that he was reviewing my account but provided incorrect dates of previous of my past conversations as he said he was referring to prior notes written by previous representatives and could not explain why the funds from XX/XX/2020 transactions showed pending status until XX/XX/2020, and and on XX/XX/2020 funds had not returned to to my account as available. I again was not provided a resolution nor was my request to speak to management granted. As shown here in the attachment, funds from each transaction was not credited simultaneously back into the account and used for the next transaction, I had to transfer funds from my Branch bank account to make each transaction due to each amount being on hold until the disappearance of all the transactions on XX/XX/2020.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-17
Company: National Credit Adjusters, LLC
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Prior to accepting the payment the company was to delete the account from my credit. Instead they took the funds, and continued to report on the debt as paid in full with a {$0.00} balance which still shows up on my credit as if it is an open tradeline. When I reached out to representative XXXX XXXX XXXX explained that they were well within their rights under the FDCPA to continue to report as often as needed. I then explained that this account should have ceased reporting as of XX/XX/XXXX but continued to report after XX/XX/XXXX which is more than a year later. This practice in itself keeps the statute of limitations extended.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My account was sold by Gateway One lending and finance to Santander Consumer USA. Since then my account is showing as closed and it has decreased my credit score by nearly 20 point each month. I have asked to have them update who the owner of the debt is to Santander Consumer USA. I am have been unable to contact the company for three days and their chat option is not available. I still owe the debt and have been paying so the account is not closed just under a different company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: ASSOCIATED BANC-CORP
State: IL
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
Associated Bank knowingly misled me, I tried to set up arrangements on the account but I was given bad information from customer service who told me to go the branch no later than XXXX/XXXX/16 to make payment arrangements. The branch told me they do not make arrangements, I advised the branch that I did not have the money because I am fighting with XXXX XXXX to resolve this matter, they should have a resolution by XXXX/XXXX/16. There was no way to for me to take the money because it was not mine in the first place, my mother deposited that money from other account from the bank that she shares with my stepdad, she was going to use that money for her trip in XXXX now it is gone. I should have been told by the branch or customer service they were going to take all of the money from the account, I was notified on XXXX/XXXX/16 after I have tried to make arrangements. I do not believe my mom should suffer because my checking account ( that is in my name only ) was overdrawn. She was not notified by me that my checking account was overdrawn because it was only in my name. They were being dishonest and now I was told on XXXX/XXXX/16 that all payment arrangements had to made within 45 days of the account being overdrawn, not 60 days. My mom has been a longtime customer at Associated Bank and should have her {$300.00} credited back to the account. Like I advised before I could n't just take all of her money out because she will be using it herself. Associated Bank hid information from me. I want my mother 's account credited back the {$300.00} because it is not fair because she was unaware of this situation. I also advised them that my aunt passed away and her funeral was Saturday, my mother was upset about that and I do have the obituary as proof of what I am saying plus I work from XXXX Monday through Friday. It is not my fault that XXXX XXXX did not pay the {$330.00} check but per their guidelines, the matter will be handled by the legal department.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  : Account number XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I've contacted XXXX and Transunion Via certified mail and phone XXXX, XXXX and by phone XXXX clarifying and confirming that the other addresses never belonged to me and that they are still on my credit report. I included my ID, utility bill and SSN so they can verify my only address and name.

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 2022-09-15
Company: FinCo Services Inc DBA Current
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I noticed four charges : XX/XX/22 EXXXX  {$800.00} XX/XX/22 XXXX XXXX {$560.00} XX/XX/22 XXXX XXXX {$510.00} XX/XX/22 XXXX XXXX {$490.00} XXXX didn't recognize and I didn't make. I immediately notified my bank, Current, and they said it looked like someone had made the charge using my debit card numbers. They helped me file a dispute and said the funds would be back in my account within 10 days, as panicked I let them know that was a lot of money to me. I also informed them I'd been a victim of bad identity theft and had gotten multiple alerts recently. I never received my funds back, instead all I got was an email on XX/XX/22 saying no error occurred and no credit would be issued. I was sickened they could come to this conclusion. They said I could request the documents or written explanation used in determining the final outcome of the investigation. I made this request immediately but never heard anything from Current. I want Current to put the funds from these four charges I didn't make back in my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
XXXX University, XXXX NY XXXX XXXX, XXXX, XXXX have been repaying my student loans for 10years. Between my federal and private loan payments the payments have been in excess of XXXX, ( private being XXXX ). Recently, I extended the terms of my private loans to lower the payments ( now XXXX in addition to {$280.00} federal payment ). I also took a significant pay cut and am living on my credit cards in order to pay for this and my healthcare plan. I have diligently paid the entire principal + {$20000.00} and they want an additional {$50000.00}. That is 170 % return on the borrowed funds. I do not understand why this is fair or unregulated. A mortgage with these terms would not happen unless I had the worst credit, and I have well above XXXX credit score. It is unsecured debt and I have done my duty. I do not think that NavientXXXX should be able to continue to hold this account in debt. I offered a settlement that was VERY REASONABLE ( 40 % of remaining balance ) and they declined the offer because my account is in good standing. They told me they will only consider settling my account if I stop paying, ruin my credit, become deliquent client for an extended length of time. Of course this makes even less sense to me. Please help me to get a fair settlement attained for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
My case number is XXXX. I just received this e-mail ( below ) from you this morning. Last night, Capital-One put their false information back on my XXXX credit report, for at least another 60 days. So, tell me, while this case is in dispute, they are allowed to report false information, that has been disputed??? I read the FCRA and my understanding is they are to REMOVE the ( false ) information while the account is in dispute. Is there no justice here? And WHY are they allowed 60 or more days? I 'm going to write the FTC now, and get my attorney involved. This does not pass the smell test. 

XXXX XXXX XXXX From : Consumer Financial Protection Bureau [ XXXX : XXXXXXXXXXXX ] Sent : Wednesday, XXXX XXXX, 2016 XXXX To : XXXXXXXXXXXX Subject : Your submission, [ Case number : XXXX ] The company has provided a partial response to your complaint number XXXX describing the steps taken so far to address your issue. They stated they are still working on your issue, and you should hear from them again within 60 days. 

View the details of your complaint and the company 's response so far at : XXXX We will let you know as soon as we receive an update about your complaint. 




Thank you, Consumer Financial Protection Bureau consumerfinance.gov ( XXXX ) XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020 i sent {$93000.00} to XXXX via wire transfer from my bank account with BBVA. The beneficiary claims to have never received the funds and BBVA have sent multiple service messages to try and resolve this issue. They have since issued a wire recall service message however this has not been responded to. I have asked BBVA to call the beneficiary bank however they refuse to do so and i'm left with no other option at this time but to file this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: PHH Mortgage Services Corporation
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Due to accounting errors with PHH Mortgage, my account was erroneously placed into foreclosure I have obtained an attorney and have made numerous, concerted efforts to work out the issues through mediation and have provided both a deposition and a loan modification request. 
The loan modification was mailed - with delivery confirmation - on on XXXX/XXXX/16 and contained all requested information. 
There was no response to the loan modification request. On XXXX/XXXX/16, I received a " Notice of Sale '' for my property, with a sale date of XXXX XXXX, 2016.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-01
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was sold. The new mortgage servicing company has not contacted me in over 30 days. I have no information other than a letter from my previous servicing company stating the new company PHH Mortage is required by law to contact me within XXXX. I have received nothing from PHH Mortage in over 30 days. 

I would like to know the penalties and legalities of this issue, and get on record that I have received no communication or information as required by law. 

I would like to also know my recourse if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
In XXXX 2015, my account with Capital One had a fraud alert put in place due to a returned payment that overdrafted the account. I contacted them to clarify there was no fraud and they advised they could not remove the flag so I instructed them to close the account. I explained that since it was a secured account and I had no outstanding balance I wanted my deposit returned and the account closed. They advised they could n't do that either because of the fraud flag. They refused to even update my address because no one was able to remove the flag. In XX/XX/XXXX I began working with the client resolution center and eventually in XX/XX/XXXX, received a refund after numerous calls and the account was supposedly closed. 
Today I received an alert to log into my account and noticed that it not only is still not closed as I requested, but an annual and late payment fee have been assessed. When I called in I got the same run around about how nothing can be updated because of the flag. I do not want to risk late payment information reporting to the credit bureaus for an account that should have been closed months ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-13
Company: JPMORGAN CHASE & CO.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX around XXXX XXXX, I tried to make 2 deposits on the Chase ATM located at XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, MO. The first one is {$2000.00} and it was successful. Then I continued to make the second {$2000.00}, consisting of XXXX {$20.00} bills. But this time, it showed on the screen something went wrong and I need to call the bank. After that, the receipt was printed out and I found only the first {$2000.00} shown on the receipt and my bank balance. But the ATM didn't give back my {$2000.00}, it ate my second {$2000.00} deposit and the ATM machine also stopped working. It showed " right now, this ATM can't ACCEPT CASH DEPOSIT, ACCEPT cash payments, Dispense cash ''. I know there is something wrong with the ATM 'S cash system. I called the bank and the representative kindly told me it was not a big deal and the money will back to my balance. The next day, I checked back the ATM and found it was back to normal. I think someone must come and got it repaired. I continued to wait to see my balance be updated but when I called in today, I am so surprised that the bank denied my claim. 

They sent out a letter that said : We found that the transaction ( s ) was processed according to the information you provided or was authorized. 
No adjustment will be made to your account at this time. 

But I deposited {$2000.00} twice, a total of {$4000.00}. I only saw the first {$2000.00} in my account now. The claim number is XXXX. 
I thought it should be a easy case since at least there is a monitor the Bank can see me putting {$2000.00} twice into the ATM machine and didnt get my money back after things happened. FYI, I was in a car when I made the deposit. Also, I took a picture that showed the ATM was down and can not process my request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
This is concerning capital one on a fraud that was made to XXXX credit cards with them back in XXXX I was scamed by XXXX people concerning my credit cards a person named XXXX XXXX had made payment on both of my credit cards and had me get the cash and send to XXXX XXXX via XXXX XXXX to XXXX XXXX in a XXXX week period this happened XXXX to the sum of XXXX dollars I had a credit limit of XXXX dollars but now I owe over XXXX the payments made to my cards was withdrawn by the bank that submitted payment but they only put XXXX card in fraud and refuse to put both cards in fraud unless they here from XXXX XXXX to verify that he made payment to the account everything happened at the same time i have tried to get them to work with me on this situation I blame them for allowing me to go over my limit by that much money is just crazy and why did they not make sure payment was secure before releasing cash to me what can I do about this situation.

Company response to consumer: Closed with explanation