BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
I LOCKED capital one XXXX XXXX ending in XXXX because I lost it and I did NOT want any unauthorized transactions or anybody to find the card and use it .the card was LOCKED on XX/XX/2022 so the response I received from capital one that they are investigating the charge of XXXX dollars from XXXX is NONSENSE since the card was locked and NO transactions should have went through .so capital-one needs to give me a permanent credit of XXXX dollars. 
A charge from XXXX for XXXX dollars to my capital one credit card was approved but it should have been declined because the card was LOCKED. The card has been locked for more than a month and NO transactions should have went through.. what kind of company that gives you the option to lock your card but then they approve any transaction while the card is locked. 
How did XXXX charge my card without my authorization and without me having the card and without me buying anything. This is all fraud by capital one and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The aforementioned credit agency representing  XXXX   XXXX   XXXX  has violated the FCRA by not providing me documents to me in regards to this debt an d my HIPAA rights because I do not recall giving permission to even release my medical information to them. This account is unverified and immediately needs to be deleted from all my credit files :   XXXX   XXXX   XXXX   XXXX  . The business is to disclose to me ALL signed documents they have recorded and retained in their files that pertain to this debt. If I.C. Systems does not have any documentation, they need to retract this from my credit file immediately.

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 2021-06-12
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Local real estate taxes went up, causing BB & T, now Truist, to increase the escrow payments and as a result my monthly mortgage payment. I had been paying my monthly mortgage payment automatically through my bank account with XXXX XXXX. I did not notice the information that my monthly payment had increased, and received a phone call once the next payment was due. I told the person on the phone conversation that I would increase the automatic payment to a little more than the new monthly payment to cover the difference. 

The next payment that was {$22.00} over the new monthly payment was held in a " suspend '' account because it did not include late fees from the previous month. None of the amount was applied until the next payment that was another {$22.00} above the normal new monthly payment was applied. This caused new late fees, and did nothing to catch up on the old late fees. While funds are in the " Suspend '' account they do not show up as applied to any payment, making the payment received and the payment due ambiguous. In fact the " payment due '' on the website appears to be below the amount sent. 

BB & T, now Truist, has developed a system in which late fees cascade even when payments are made on time, by holding funds that were sent in a " suspend '' account until they are considered late, and they are able to charge another late fee. 

A reasonable person would expect that the funds that were sent to be applied at the time they were received to the payment due, and any overages to be applied to past due charges.

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 2022-04-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
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: Other problem

Complaint:
In XX/XX/XXXX I closed all my HSBC accounts ( i.e., Savings, Checking and Credit Card ). In order for me to close the accounts, the bank requires that all balances are 0, otherwise they wont close your account. I therefore paid my credit card balance with money from my savings account ; set the balances to 0 of all the accounts and closed each account thereafter. HSBC mailed me letterhead notifications communicating that my accounts have been closed. 

On XX/XX/XXXX, HSBC Collection team called me to say that my credit card had an overdue balance equivalent to the last statement balance that I had already paid. I requested them to mail me all my account statements ( for checking, savings and credit card ) for the past 3 months so I could verify the movements between my accounts. Given that my accounts were closed, I could not retrieve those online. 

On XX/XX/XXXX, I only received the Credit Card balance statement, so I was still unable to verify my account activity. I called again and requested for the statements for my Savings and checking as well. 

On XX/XX/XXXX I received again the credit card statements. I tried calling the bank, and the line goes silent. 

I explained several times to the Collection team that I want to check my accounts statements to verify the activity before my accounts were closed ; so I can verify that my XXXX payment did not go through. As of today, the bank failed to respond to that request, which already generated a monetary impact due to the late payment fees they continue to collect, but also to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: VIRTUOSO SOURCING GROUP, LLC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This is a charge for  XXXX  service, i had cancelled my service with  XXXX  and return the phones, i spoke to a representative by the name of  XXXX  and he advised me that i will not be responsible since i have return my phones, Please remove this inquiry as it is affecting m y credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Here we go again with Equifax. They keep reinserting a tradeline that damaging my credit right before I going house shopping. They said I submitted a dispute on a tradeline ( XXXX XXXX XXXX ), so they reinserted this back on my report. How can you dispute something that was not on your report in the first place. I submitted disputes through CFPB previously that this tradeline was paid off. Dispute # XXXX and XXXX. It was found in my favor both times. Equifax deleted it off my report after the complaints, But Equifax continues to reinsert this tradeline with negative statements. Damaging my credit. Now I have to wait until this is resolved again. This tradeline paid. XXXX is Equifax XXXX with me for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: Experian Information Solutions Inc.
State: FL
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:
my child personal information have been used without my concern,

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 2021-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I made a purchase online after doing so I realized the company wasn't selling why they lead me to believe I was getting. My Bank Capital one text my phone and asked if I made the purchase I replied no and then tried to call the number in the text to clarify what was going on. I tried 3 times to no avail. After a week of no contact from capital one i called XX/XX/2021 at XXXXXXXX XXXX and after asking for my social security number, phone number, account number, date of birth they told me they can't turn my card back on or update my phone number. I said well if I have verified I own this account how are you going to hold my money and tell me you can't update and I'm just out of luck no I'll close it. The Manager ( XXXX XXXX ) said I understand. I can hold this account so you can come in a close it .... He should be walked to his car! See this week I'm broke but millions of dollars are on there way to me and trust when I say I will make sure every poor person is warned about banks who disrespect them because of how much money is in there account. This is sickening, the laws are now do for CHANGE! 

I paid my credit card with the balance in this account since they would not give me my money while I was on unemployment. I was forced to use my money as best I could so this system didn't eat my coins once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: McCarthy, Burgess & Wolff, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was a victim of ID Theft last year ( XX/XX/2017 ) and have had multiple debt collections dismissed as a result. I have a police report filed as well and have put a Freeze on my credit report. This company has been calling me several times a day, evenings, and weekends. I took a picture of the number of times they've called me. It's harassment and I want it to stop.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint mortgage has been refusing to pay my home insurance through my escrow account. On XX/XX/XXXX my husband died and in XXXX of XXXX I gave my mortgage company the death certificate, marriage license my identification and forms so that I could assume the mortgage that was in his name. The mortgage company approved the change around XX/XX/XXXX and my name was put on the mortgage. Abput 6 months later they started sending me billiing statements in my name and my deceased husbands name, two statements a month. A few months later the statements stopped coming in my name and all come in my deceased husbands name only. Now they tell me I can not assume the mortgage and when I call to make payments they give me a hard time and say I am not authorized to talk to them about the mortgage. In XX/XX/XXXX they refused to pay my home owners insurance because it is in my name and not my deceased husbands name. They said it doesnt matter if he is dead he still owns the house. If I pay the insurance I am worried they will just send me a refund check in my husbands name and the bank wont cash it because he is DEAD. On XX/XX/XXXX I spoke to a representative at Shellpoint with the last name of XXXX. She told me I was all set and they would pay the insurance within 3 days. They did not pay it. I called them on XX/XX/XXXX again and was on the phone for over XXXX hours. I sent an email with information attached to get the mortgage in my name which included ( 1 ) the deed in my name ( 2 ) the title in my name ( 3 ) my husbands death certificate ( 4 ) my marriage license ( 5 ) my state drivers license. The lady I sent it to said she would check to see if this was enough to get the payment made and said she has until XX/XX/XXXX to make the insurance payment. The payment was due XX/XX/XXXX. My insurance agent through XXXX XXXX XXXX in XXXX XXXX Michigan has also tried to contact Shellpoint. Today I called Shellpoint Mortgage to make a payment and the representative told me I can never assume this mortgage. She said I can also never make payments online because its not my home. I want to pay off my mortgage but if I do who owns my house?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2019-12-10
Company: Selip & Stylianou, LLP
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
XX/XX/XXXX Received 1st and only notification from Selip & Stylianou, LLP about Motion to garnish wages. This was sent submitted to the XXXX County in XXXX where I have not lived in almost three years. My address had been updated through the postal service and I have not had any issues with my forwarding services to my new address in the state of XXXX.When I received this communication, I reached immediately and explained to the firm that I had not received any other communication and I also provided them with my updated address which they did have on file! Yet, I never received anything to my current address.On XX/XX/XXXX, I spoke to several people which confirmed that the file had been closed and no wages would be garnished as a result of filing in a state where I do not live and because they don’t have a license to practice in XXXX.On XX/XX/XXXX, I followed up with the firm to make sure that the file had been closed and no further action was required. This was confirmed through another representative.On XX/XX/XXXX, I was told by the firm that the file had been returned to Synchrony Bank and to follow up with themOn XX/XX/XXXX, XXXX verifies they had this file back and that they would work with me. They also confirmed that no wage garnishment would occur as this case had been dismissed for the reasons mentioned above.On XX/XX/XXXX, I received a letter from my payroll and Human Resources department notifying me of the wage garnishment effective on the XX/XX/XXXX paycheck for $XXXXAgain, this is not legal at all! I was not informed of the suit. I was not served with any documents nor was I contacted at my new address. The suit was submitted in a state that I have not lived for the last three years. In addition, I had not lived in XXXX county for a year! I had moved to XXXX county and the to XXXX.I ask that this is immediately rectify and an apology letter along with the respective suit dismissal letter to be sent. This puts me at a very high risk of losing my employment as a result of negligence and lack of due diligence on the firms part.

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 2021-11-15
Company: BARCLAYS BANK DELAWARE
State: VA
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:
Received a credit card offer during XXXX flight. It said {$0.00} intro annual fee and 60,000 frequent flyer points after using the card within the first 90 days. I applied in XX/XX/2021 and received an XXXX XXXX XXXX  ( issued via Barclays Bank ) the same month. I used the card and paid it off entirely the same month ( XX/XX/2021 ). It is now XX/XX/201 and I now see an annual fee charge of {$99.00} and still no credit of XXXX points. I have only had the card for 2 months but it says my annual fee would be XXXX for the first year. This appears to be a classic fraud and/or bait n switch tactic.

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 2021-06-12
Company: CITIZENS FINANCIAL GROUP, 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:
This is a section/copy from my credit report : A request for your credit history is called an inquiry. There are two types of inquiries - those that may impact your credit rating/score and those that do not.

Inquiries that may impact your credit rating/score.

These are inquiries made by companies to whom you have applied for a loan or credit. They may remain on your file up to 2 years. 

Company Information Inquiry Date ( s ) CITIZENS BANK XXXX XXXX XXXX XXXX RI XXXX XX/XX/2021 End. 
I have disputed with XXXX  and they found this to be Factual? Yet XXXX  has Not proven this was me. I strongly dispute this, it was not me! 
My 2nd option was to Contact : Citizens Bank, which I did and they too have failed to prove this was me. 
I am me, I have said multiple times in writing and vocally that I did not apply to Citizens Bank/One for any type of loan/credit. Yet, this must remain on my credit report for 2 years. 
I filed a complain with Pennsylvania Attorney General XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/XXXX a hold was placed on my account for XXXX i immediately contacted bank of america when i noticed the hold on my account i was transfer to a financial investigator who told me there was no information and he would contact me back in about a hour which he did when we spoke he said i had received a electronic transfer for {$150.00} and the person that sent me the transfer claimed they didn't receive the item from me which they did the financial investigator told me i had two claims against me one for {$150.00} and one for {$550.00} which i later found was a lie there was only one claim against me for {$150.00} but i continued to call him throughout that day because i honestly didn't understand what was going on he let me know that i was basically annoying him and for me to stop calling and he would contact me on XX/XX/XXXX which is today and i have heard nothing from him nor have i heard anything from the bank so this was my next option because i am fed up

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 2017-06-03
Company: First Data Corporation
State: CO
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
The company for whom I work uses a First Data product call the Money Network Card. They use this card to reimburse business expenses, pay incentives, and take care of payroll adjustments. The issue is not with how my company uses the card, but rather how long the MNC holds onto money. Each time I have gone to transfer money off of the card and into my checking account, the money is in limbo for an unreasonable amount of time. The money vanishes from the MNC immediately, but often does not show up in the checking account until 3 - 5 days later. There is no logical answer for these unreasonable times other than they hold onto the money and use it for their own purposes or to gain interest. For example, I transferred {$400.00} from the MNC to my checking account at XXXX on Thursday, XXXX XXXX, 2017. The money still was not in my account on the third day. When I called, they said they would not even initiate the transfer until an entire business day had passed ( so essentially they took my money immediately at XXXX on XXXX XXXX ), and did nothing until Friday XXXX XXXX, and told me I would not receive the money in my account until Monday, XXXX XXXX, 2017. I said that was ridiculous and an unreasonable period of time for a very easy, straightforward transaction. I would like this organization investigated for holding it 's customers money " hostage '' for unreasonable amounts of time. i am less concerned about me personally than all the employees of my company who live paycheck to paycheck and need their money right away. My perspective is that this practice of First Data 's is unethical.

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