BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
1. A small claim in LA Court has been filed with Capital One for providing misleading information on XXXX transaction. The case # is XXXX. Please let me know which person I can serve the legal documents. 

2. On your multiple response, you never explained the voice call I've attached. During the call, the agent from Capital One confirmed with me XXXX is cash transaction and its completed once the money is deposited into the account. 

3. I've been using XXXX to transfer with friends before and never had issues. We can go to the court to request the transcript you mentioned in XXXX XX/XX/XXXX and XX/XX/XXXX. If I wasn't told the wrong information, I wouldn't use XXXX for transfer. Can you please clarify if you believe the attached voice recording is misleading or not?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: BYL Collection Services
State: DE
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
BYL collection services did not provide adequate verification for debt question. No documents were provided showing a contract or signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: WELLS FARGO & COMPANY
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was a co-signer with a son in law. Wells Fargo.on a car.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 moved to XXXX NC in XX/XX/XXXX and had several XXXX credit cards that I was using for moving and living expenses. All five accounts were current and had always been paid on time when XXXX unexpectedly closed the accounts without warning or cause. On XX/XX/XXXX I sent XXXX a letter asking to reopen the account in exchange for the additional consideration. In my letter, I provided two offers to XXXX, with the first being to reinstate the accounts in exchange for the consideration which was enclosed. The second offer was to accept the consideration as payment in full. XXXX accepted the payment and never reinstated the accounts. Shortly thereafter, XXXX began reporting the accounts as late and eventually as charge offs. However, the accounts were settled in full per the letter sent XX/XX/XXXX and I was never late on a payment. On XX/XX/XXXX I decided to pay additional consideration to XXXX in exchange for their agreement to remove the negative information reported. They again accepted my consideration checks but never removed the negative items from my credit reports. I have attempted to dispute the information with the credit bureaus as well as directly with XXXX many times but they continually fail to report the account accurately. On XX/XX/XXXX I sent XXXX a letter again disputing the status of the accounts and demanding validation. XXXX failed to provide adequate validation and simply replied to my demand with old credit card statements. XXXX also failed to report all five accounts as being in dispute. On XX/XX/XXXX I sent XXXX another letter demanding the five accounts be updated to remove all negative items, or to correctly report the accounts as never late, paid as agreed. Today, I received more letters from XXXX simply providing old credit card statements once again. These five credit card accounts are negatively impacting my credit XXXX and XXXX has deliberately and continually ignored my demands to correct the information.

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 2017-05-22
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Hi, I deposited a check for {$62.00} in XX/XX/2016 in Chase Bank. The bank claims that they never received it and reversed the amount from my account. Meanwhile, I have a copy of the endorsed check from XXXX ( which issued the check to me ). I have tried resolving this with Chase to no avail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-01
Company: Servis One, Inc., Titusville, PA Branch
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
On going disputes with BSI Financial Services ( prior complaint case # : XXXX ). 
BSI charged me {$1200.00} for flood insurance that I already have. They even state in their letter that they received confirmation of flood insurance. I also had the same issue with the prior mortgage server XXXX XXXX. My flood insurance expires XXXX XXXX of every year so why are these companies buying flood insurance prior to expiration? Since BSI took over my mortgage XXXX XXXX, 2016, I have constant issues with them. I called them numerous times lately and the answer I now receive is that they sold the mortgage and they can not resolve any past problems. Enclosed are are two years proof of continuous flood insurance. It is apparent that BSI is abusing their customers and are getting away with it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
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: Account status incorrect

Complaint:
I moved to XXXX NC in XX/XX/XXXX and had several XXXX credit cards that I was using for moving and living expenses. All five accounts were current and had always been paid on time when XXXX unexpectedly closed the accounts without warning or cause. On XX/XX/XXXX I sent XXXX a letter asking to reopen the account in exchange for the additional consideration. In my letter, I provided two offers to XXXX, with the first being to reinstate the accounts in exchange for the consideration which was enclosed. The second offer was to accept the consideration as payment in full. XXXX accepted the payment and never reinstated the accounts. Shortly thereafter, XXXX began reporting the accounts as late and eventually as charge offs. However, the accounts were settled in full per the letter sent XX/XX/XXXX and I was never late on a payment. On XX/XX/XXXX I decided to pay additional consideration to XXXX in exchange for their agreement to remove the negative information reported. They again accepted my consideration checks but never removed the negative items from my credit reports. I have attempted to dispute the information with the credit bureaus as well as directly with XXXX many times but they continually fail to report the account accurately. On XX/XX/XXXX I sent XXXX a letter again disputing the status of the accounts and demanding validation. XXXX failed to provide adequate validation and simply replied to my demand with old credit card statements. XXXX also failed to report all five accounts as being in dispute. On XX/XX/XXXX I sent XXXX another letter demanding the five accounts be updated to remove all negative items, or to correctly report the accounts as never late, paid as agreed. Today, I received more letters from XXXX simply providing old credit card statements once again. These five credit card accounts are negatively impacting my credit score and XXXX has deliberately and continually ignored my demands to correct the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am submitting this complaint on behalf of myself. According to the FCRA The 3 consumer reporting agencies are in violation of 15 USC 1681 section 602. Which states I have a right to privacy. I sent these companies a dispute letter stating that are in violation of 15 USC 1666b ( please see attachment ). Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. They are in violation for reporting this inaccuracy to my consumer report. They are being intentionally and willfully neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy on my report based on federal law Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
A problem was previously resolved where the mortgage company, BSI Financial, put us into foreclosure for supposed missed payments. We filed a complaint with CFPB Claim # XXXX, and this was cleared up and supposedly rescinded as this was their mistake- we made all of our payments and provided proof. We continued to make payments and again they are saying they did not receive payments for XXXX and XXXX although they have attached proof. Our account manager, XXXX XXXX, calls my home harassing us, and refuses to give my wife any information and says she can not speak to her even though she is listed on the loan. Sometimes she does speak to her and other times she says she can not. We are tired of being harassed. We make our payments timely each month and they cash them, then say they did not receive them. Last time it got to the point that they started foreclosure proceedings. This time they are saying they did not receive XXXX payments and are charging us late fees even though they cashed the checks.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT ED XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT ED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/21 XXXX XXXX  - I did not authorize this inquiry. Please remove. 
XX/XX/2XXXX XXXX XXXX - I did not authorize this inquiry. Please remove.

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 2022-04-15
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 moved to XXXX NC in XX/XX/XXXX and had several XXXX credit cards that I was using for moving and living expenses. All five accounts were current and had always been paid on time when XXXX unexpectedly closed the accounts without warning or cause. On XX/XX/XXXX I sent XXXX a letter asking to reopen the account in exchange for the additional consideration. In my letter, I provided two offers to chase, with the first being to reinstate the accounts in exchange for the consideration which was enclosed. The second offer was to accept the consideration as payment in full. XXXX accepted the payment and never reinstated the accounts. Shortly thereafter, XXXX began reporting the accounts as late and eventually as charge offs. However, the accounts were settled in full per the letter sent XX/XX/XXXX and I was never late on a payment. On XX/XX/XXXX I decided to pay additional consideration to XXXX in exchange for their agreement to remove the negative information reported. They again accepted my consideration checks but never removed the negative items from my credit reports. I have attempted to dispute the information with the credit bureaus as well as directly with XXXX many times but they continually fail to report the account accurately. On XX/XX/XXXX I sent XXXX a letter again disputing the status of the accounts and demanding validation. XXXX failed to provide adequate validation and simply replied to my demand with old credit card statements. XXXX also failed to report all XXXX accounts as being in dispute. On XX/XX/XXXX I sent XXXX another letter demanding the five accounts be updated to remove all negative items, or to correctly report the accounts as never late, paid as agreed. Today, I received more letters from XXXX simply providing old credit card statements once again. These five credit card accounts are negatively impacting my credit score and XXXX has deliberately and continually ignored my demands to correct the information.

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 2015-04-14
Company: WELLS FARGO & COMPANY
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX 2014, I called my mortgage servicer, Wells Fargo, and told themthat I wanted to move to a bi-weekly payment schedule so that I couldpay down my mortgage more quickly. The customer service rep confirmed that by making the switch, I would cut about 6 years off my mortgage. I just realized -almost a year later - that she switched me over to a semi-monthly paymentschedule and that I have not made any additional progress whatsoeverin paying off my loan. I am scheduling additional payments now to makeup for lost time, but am complaining because I feel that XXXX Fargodeliberately chose to put us on the semi-monthly rather than bi-weeklypayment schedule - in spite of my clear instructions - to prevent us frompaying down the mortgage more quickly. I suspect that they are usingthis tactic on others, as well. It took me a year to notice that the paymentswere being drawn XXXX a month instead of every two weeks, so this is agreat way for them to " accidentally '' prevent customers from paying downtheir loans more quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am a victim of identity theft. There is Fraudulent Information on Credit Reports which were made without my knowledge or permission. 
But Credit Bureaus have failed to give me investigation result

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 2015-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XX/XX/XXXX on or about XX/XX/XXXXon Transunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XX/XX/XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: U.S. BANCORP
State: MI
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fees

Complaint:
I had earned a visa rewards card from a credit card I have. The rewards card was issued for {$50.00}. When I called to activate the card, they advised that the cards value was now {$47.00}. I tried to used the card at a restaurant and it was denied. I contacted the credit card who issued the visa rewards card and they had no clue as to why it was denied. I then was shopping and decided to try using the card again. The first time it was swiped, it came back declined. The salesperson tried swiping again and it indicated that I had {$42.00} on the card. We did go ahead and use the card. For a {$50.00} reward I was 'shorted ' {$7.00}. ( I was going contact visa regarding the first denial, however, when I called the number, I was advised there would be a fee for talking to them - needless to say, I immediately hung up rather than further decrease the card value. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-15
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposited my sons check into my account and the check was put on hold and was supposed to be released on XX/XX/XXXX. On the XXXX I call and they say my account is restricted. Mind you my son lives in a different state and is XXXX XXXX XXXX XXXX. They say I have to bring in my son with me to a branch and this has never happened before. My Fiance who happens to be a XXXX  woman has had literally zero issues depositing my work checks in her account whenever I needed. I'm disappointed at this level of blatant discrimination in 2022. I spoke with employee XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Experian Information Solutions Inc.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contact XXXX XXXX XX/XX/2019 and let them know I did not authorize this inquiry onto my credit.

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 2022-04-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my report. 

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last active is reported inaccurate as well. 
This is ground for removal and they also violated my rights under 15 u.s.c 1681 section 602 A. i have the rights to privacy.

15 u.s.c 1681 section 604 A section 2.it states that 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 explanation