BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-14
Company: DISCOVER BANK
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Discover Card, headquartered XXXX XXXX XXXX XXXX, XXXX, IL XXXX operates in interstate commerce as a debt collector for merchants within interstate commerce, and as such Discover Card/XXXX XXXX CEO fail to comply with the provisions of Fair Debt Collection Practices Act, 15 USC # 1692 -- 1692p. Discover Card does not comply with sections 808 & 809, Discover Card financial relation/ in essence conspiring with merchant XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX involving unauthorized charges of {$50.00} mo. XX/XX/2020 and following. DiscoverCard is similarly involved with other merchants and is not an unbiased third party regarding merchant debt collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I receive collection notice from portfolio recovery associates, llc in which i have never done business the original creditors is listed has XXXX  XXXX XXXX which i have never done business has well i receive a letter from portfolio recovery associates, llc with copy of bill from XXXX XXXX XXXX   which does not validated a copy of bill does not substantiate debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: AMCOL Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
AMCOL SYSTEMS INC is reporting a paid medical collection on my XXXX {$0.00} balance. And they have a balance of {$260.00} on my XXXX. They are false reporting on my credit report. I need them to delete this collection off the 3 credit bureaus they are violating the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Other

Complaint:
Capital One/Kohls has been reporting a past due balance of {$880.00} on my credit reports for a closed account which they recently changed to an open account on XXXX ( still closed on XXXX and XXXX ). This has had a very negative affect to my credit score. The last activity per my credit reports is XXXX. I am not aware of the past due amount and they have never attempted to collect as I never received any mailings on it from them. I have sent them XXXX certified letters with receipt confirmations to request account validation bearing my signature and and they said their reporting is correct. They have not sent me the requested validation showing my signature or that I am obligated for this debt which is well over the SOL. In addition, the information they are reporting is inaccurate. how can an account have a balance past due when its been closed for years. Then they reopen it on XXXX? The credit bureau is reporting inaccurate information. In addition, Capital One/Kohls did not add the consumer dispute comment on any of the CRA with in the 30 day deadline. They need to now delete this account from all CRA

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
CapitalOne XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX Short sale was started on XXXX/XXXX/16 with CapitalOne. CapitalOne finally got around to ordering the property value 2 months later. It was completed on XXXX/XXXX/16 but there is a major problem - it was done for a property IN ANOTHER STATE. NOT the subject property. Attached are our call logs and a copy of the value done by CapitalOne for a property in the wrong state. 

To date, CapitalOne has done nothing whatsoever to obtain a value on the correct property and with each phone call prove themselves more and more incompetent and unable to answer simple logical questions. 

We are going into the third month of this short sale. Every single time we call we get a different story on the status or why they ca n't move forward, or some other infantile excuse from the short sale department. It is obvious they are defrauding their investors and committing servicing fraud by purposely delaying a decision on the file in order to collect the 'double ' servicing fees they automatically receive for servicing defaulted loans. 

Since CapitalOne has proven so incompetent as to be completely unable to do a simple task such as order a property value for the correct property, how can anyone condone their continued existance in the real estate and financial business?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I am upset, sad, distress on what is happening to my credit report. Some of my accounts has a late payment remark. I did not incur any late payments. Ive made every payment paid on time. Can you guys double check those account and make a necessary action about it

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 2022-08-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I withdrew some money from a brokerage account ( XXXX ) of mine to my Chase checking account. The withdraw triggered fraud alert on the XXXX side and XXXX recalled the fund that already has been transferred to my Chase checking account. After a manual review with XXXX, they were able to determine that it is indeed me accessing my own money and the fraud alert was cleared. They returned the fund that was recalled from my Chase checking accounts directly back to me. 

However, Chase froze my checking account due to the fraud alert from XXXX side, and refused to unfreeze my account even after XXXX finished investigation and returned my money. Chase is withholding {$5400.00} of my money for over five months now.

I communicated multiple times with Chase, offered to submit documents from XXXX to prove there is no fraud going on, but Chase didn't even want to take a look at those documents. They claim all they will do is to wait for communications from XXXX that the account is not involved in fraud, but from XXXX side they have long concluded their investigation and returned my money. XXXX told me they are unable to influence other bank 's behavior. 

Now my money in my checking account has been frozen in limbo for over 5 months, and Chase is still " waiting '' for XXXX, at least that is what they told me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: Experian Information Solutions Inc.
State: LA
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: Was not notified of investigation status or results

Complaint:
XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX  XXXX & Experian. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.

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 2021-12-13
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I need this removed from my credit report. It is stopping me from buying a house at this point. I never owed this money. They have not worked with me ..... Despite what they claim. PLEASE REMOVE THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Synovus Bank
State: IL
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:
On XX/XX/XXXX of 2021 in good faith I made my payment to XXXX XXXX credit card for the amount of {$40.00} I have use the same bank account for the past year on this particular time there say is they did or verify my account I good faith on XX/XX/XXXX of 2021 I made a payment of {$80.00} I was told the information will not go on my credit report XX/XX/2021 it was showing on my credit report I have ask the credit company to send me a copy of y my payment did not go thru they said no they are not sending me no letter as a consumer I have a right for a copy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Santander Consumer USA Holdings Inc.
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: Investigation took more than 30 days

Complaint:
I have been a customer with Santander XXXX for about two years. Ive always known they were problematic with there methods. Theyve been sued countless times. My issue with them is the way I was treated throughout the loan. I changed the car with XXXX XXXX XXXX who I also submitted complaints about. XXXX XXXX was in charge of letting Santander know of the change and pay off. I submitted a contract to XXXX, XXXX, XXXX in order to prove such occurrence. I even uploaded it online to Santander XXXX and they were aware. Knowing all of this no one was willing to help me as a victim of fraudulent business. This occurrence was through no fault of my own or due to my inability to pay. I attempted to negotiate with them regarding the credit reporting aspect of it with XXXX XXXXXXXX XXXX. They were still unwilling to negotiate, I was forced to pay with out correcting or risk repossession. My credit got held XXXX. About a year later the pandemic happened and I let them know I was undergoing financial distress. Again with no sort of assistance. I had to pay again with no correction or statements added to my credit reporting. The dates that must be changed are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The account was paid in full and I was told by a representative that I may be able to change the report when I made the full payment. It has not happened and I called later in order get that matter looked at and still my issue was not resolved. My time with Santander XXXX has been about paying them and holding my report XXXX just so they get there money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
On XXXX XXXX, 2017 I contacted XXXX at XXXX. The Internal Recovery Department offered full settlement on both accounts for a total of {$1800.00}. I paid the account in full over the phone by checking debit ACH which succeeded. <P/>{$850.00} 60 % XXXX {$1000.00} 60 % XXXX ___________ {$1800.00} PAID XX/XX/17 XXXX updated the accounts at XXXX, XXXX, and Transunion by showing I made a payments for {$850.00} and {$1000.00} but did NOT show the account as paid in full. I have exhausted the dispute process with all 3 bureaus and XXXX has 'verified ' the accounts as accurate which is incorrect. <P/>I am hoping the CFPB can assist me in correcting the inaccurate and false reporting which violates the FCRA and hurts my score. I settled these accounts with the bank and it is only fair they are accurately reported to the three bureaus. <P/>I have attached a copy of my credit report for the three bureaus as well as the particular accounts for XXXX as samples.

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 2020-06-14
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On or about XX/XX/2020, Navy Federal Credit Union initiated a debit into my checking account in the amount of {$1700.00}. This debit was due to an Unauthorized Debit dispute denied by them. This dispute was denied in error. 

On or about XX/XX/2020, a company named XXXX initiated an unauthorized debit into my account in the amount of {$950.00}. Then, on XX/XX/2020, the same company initiated a debit in the amount of {$780.00}. These debits were unauthorized. XXXX had no authorization to debit my account. 

I submitted a dispute with Navy Federal Credit Union for both transactions, and a credit was placed in my account for a total of {$1700.00} at that time. 

When I inquired as to why Navy Federal Credit Union waited over 60 days to take the money back out of my account, I was told because my dispute were submitted untimely. I was told that since my account was a sole proprietor business account, I only had four hours to lodge an unauthorized debit dispute into my account. However, I had submitted timely requests to them upon finding out these debits were made out of my account. These disputes should not have been denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-14
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In 2017 my husband and I applied for a mortgage with Huntington Bank. At the time we had no children, and stated such on at least two areas of our loan application. We were contacted by the bank and told that we must submit in writing that we do not have any children via a statement. We believed there must have been a mistake and contacted the bank in regards to this. We were told that there must be something in our application that would give the lender the impression that we did have children. This was impossible neither of us had any children and therefore no child related expenses. In discussion with colleagues over the last several years none of them were required to submit formal statements related to children on top of what was stated in their applications. We are concerned that this decision was made because we were XXXX American applicants. We asked for clarification, but were told this statement would be required to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have a Lowe 's credit card issued by Synchrony Bank. I paid over and above my balance so that I could make a large purchase at the store. After my payment, my card had a credit balance of {$2100.00} and a credit balance of {$3600.00}. My local Lowe 's store tried numerous times to run my card for about {$5100.00} but it kept getting declined. Even when I called the credit card company and they said everything was okay.Finally I got a supervisor they then told me I could n't charge more then {$2100.00} and I would have to charge it multiple times.The store would n't allow this. When I had a credit of {$600.00} I would pay a cash payment at the store then I was able to buy products or charges over {$600.00} without a problem.Now suddenly have a problem after they increased my limit. I called the credit department several times and was finally told that they would no longer allow me to charge over my credit limit even though I had a credit balance. I was told they would send me a refund check which I would have to cash and then take the cash back to the store. I have been trying to resolve this for over 6 days. The credit manager told me the check was sent XXXX on XXXX/XXXX/16 but did not have the tracking number. I called back on XXXX/XXXX/16 because I did not get the refund. I am now being told the refund just went out today XXXX/XXXX/16 but still no tracking number is available and it will take over 4 days which means it will be over 2 weeks to get my money back and get my purchase taken care of.

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 2020-06-14
Company: MIDFIRST BANK
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
{$5000.00} Forgiveable Silent Loan. I was suppose to receive the {$5000.00} refund after living at this address for 10 years ( lived here since XX/XX/XXXX. ) I was instructed to pay off the silent loan so I could refinance with a different mortgage company. The balance of the Silent Loan was paid in full by me on XX/XX/XXXX. 

Original FHA loan was with XXXX. 
XXXX sold the loan to Midland Mortgage Company The remaining of the Silent loan was submitted to Midland on XX/XX/XXXX. XXXX later folded ( out of business ). I am unable to contact Midland Mortgage Company as I am not an active Mortgage holder with that company. 

I was informed by Consumer.gov/complaint that Midland is responsible for repaying me. 

Original loan date was XX/XX/XXXX with 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 2017-05-22
Company: EQUIFAX, INC.
State: DC
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:
Earlier this month, I was pre-approved for a mortgage loan. As part of the application, the mortgage broker sent me a summary of my credit scores from the  XXXX  credit-reporting companies that included factors adversely affecting the scores . One of th ose factors was too many credit inquiries during the previous year. The only inquiries that I remember authorizing are by my bank for a mortgage pre-approval in  2016 and the most recent one by the mortgage broker. I was concerned, so I requeste d my credit reports from the  XXXX  credit-reporting companies and learned that there have been multiple inquires by credit card companies and insurers, which I presume are used to market products to me. I never authorized these inquiries, and even thought I have a relatively high score, it seems unfair that inquiries by companies should adversely affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased a vehicle from XXXX on XX/XX/22. It was financed through Ally. Ally 's XXXX  app reflects an interest rate of 6.00 % on my customer dashboard. However, the correct interest rate is 5.99 %. 

The billing statement provided by Ally, dated XX/XX/22 does not provide ANY interest rate. The billing statement also does not reflect the itemization of principle and interest charges. 

Ally intends to apply my auto loan payments at the incorrect rate.

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 2022-07-21
Company: Experian Information Solutions 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:
XXXXXXXX XXXX XXXX not my account and I want removal off my credit XXXX XXXX is the amount Account number 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 2020-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I Have No Knowledge of these Accounts, Why Are These Account On My Credit. I Did Not Give Any one Permission to Open Any Accounts Using My Personal Information these Accounts are Fraud

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 2016-01-09
Company: DISCOVER BANK
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I used Discover Student Loans to take out a bar loan to sign-up for a bar prep course. I have been making monthly, on-time payments on the loan for over 2 years. The balance of the loan has actually gone up rather than going down, as one would suppose would happen. After researching the issue, I realized that Discover 's minimum payment amount was broken down in such a way as to ensure that the interest will always be XXXX times higher than the principal - high enough to ensure that the balance of the loan remained the same or slightly ticked up through the duration of the " repayment '', thus ensuring that the loan would never be paid off by simply applying minimum payments. All of this means that at 7 % interest, if one were to pay off the loan by making double monthly payments, that I would pay double the amount of the loan, and that Discover would make a 100 % profit on a loan that is at 7 %. 

This practice is beyond the pale of decency and is incredibly unethical. These are effectively usury loan terms and your agency needs to become involved in making sure that individuals who are simply trying to better themselves and do n't have parents or others to contribute to their education are not left " holding the bag '' because financial services companies are allowed to exploit their dominant market positions. 

I would be more than happy to discuss my case with a member of your agency. 

Thank you, XXXX XXXX Tel. XXXX

Company response to consumer: Closed with explanation