BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit card
Issue: Billing disputes

Complaint:
My Visa credit account with Capital One was closed in XXXX 2016 with a balance of {$9700.00} - with a minimum payment of {$98.00} due on XXXX XXXX, 2016. Because my account was closed, Capital One did n't send me any documents and I could n't pay online so I kept calling and finally I was able to get the help necessary to make this payment on XXXX XXXX, 2016. However, Capital One started a weird mechanism of calculating charges to my account - although I did n't have any purchases or cash advances since the closing of my account in XXXX. Between the end of XXXX and the first week of XXXX, they have charged me close to {$1400.00} - which they themselves acknowledge is neither interest nor purchases, as interest started accruing to my account only in XXXX - according to Capital One 's documented, recorded admission which I have as audio file. The total amount of interest charged to my account was only {$300.00}. Although I made the minimum payments required since XXXX XXXX, 2016 - {$98.00}, {$160.00}, and {$130.00} for the months of XXXX, XXXX and XXXX. But Capital One has sent a statement saying that I owe {$650.00} for the month of XXXX and they 've increased my principle from {$9700.00} in XXXX to {$9900.00} in XXXX - without any purchases during this entire period and with my total interest being charged only {$300.00}, how and where this {$1400.00} is going, The interest charged, and the amount that I 've already paid over these three months, and the {$650.00} Capital One wants me to pay, there is {$1300.00} which disappeared into thin air. This kind of criminal and fraudulent calculation of account charges, where they can not explain where the money went is not only exploitative but sucking the blood from American families - illegally and fraudulently - to keep greedy " companies '' like Capital One in luxury. Please investigate this company and start a class action suit as there are bound to be thousands of others customers like myself who are bound to have been cheated and illegally charged money which Capital One can not explain went to. At the rate Capital One is charging me, whatever it is because according to their own admission the interest has been only {$300.00}, there have been no purchases during this entire period. In a year, this money which is neither interest nor purchases or going toward principle, would be {$6800.00} in a year for a balance of {$9700.00}. This is criminal in its most utmost cruel form. If you can not shut down this company, regulate them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-01
Company: Collection Management Services, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When I pulled my consumer report, I seen that Collection Management SE reported numerous items in the total amount of {$15000.00}. As a federally protected consumer, I am aware of the rights that the organization has violated. I have never had a contract agreement with this organization and I challenge Collection Management SE to provide such agreement under penalty of perjury. Failure to provide such agreement is a violation of my rights a consumer.

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 2016-05-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I disputed a claim with chase. They did not properly verify the information and when it explained again with them viewing documentation they still denied the claim. My facts were based on a written contract that they were provided and I was told it is not there job to look at all the details. I dealt with XXXX from the disputes department. I will be reforwarding all the information again and this time I clearly have to circle the facts I was stating because chase did not properly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Wells Fargo Everyday Checking account under a {$250.00} bonus promotion. I received confirmation of the bonus in the form of an email when I applied for the account, which I could provide a copy of as proof. The terms of the bonus stated that I would receive the bonus by performing the following action : " Within 60 days of account opening, either make 10 purchases/payments with your Wells Fargo Debit Card or establish a qualifying Direct Deposit of an accumulated {$500.00} or more to the consumer checking account opened for this bonus offer. '' " We will deposit the bonus into your new checking account within 45 days after eligibility and qualifications have been met. '' I opened the account on XX/XX/XXXX. I completed the 10th debit card transaction on XX/XX/XXXX. I have not received the bonus

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 2022-01-01
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2016 I went to take my nephew to the hospital about a out of place shoulder dislocation and he was not treated or touched the entire time and I have witness that he was not give any type of treatment or service. I am being charged {$480.00} XXXX XXXX XXXX and {$560.00} XXXX XXXX XXXX XXXX  XXXX. I sent a validation letter to see what is on my credit and list of what services I supposedly received and they violated by sending my information to a company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 tried to pull my credit report and was unable too, I even tried to open a XXXX XXXX to get my report it says that my name and social has been used already and it gave me the name of the persons email that has been using my account for my credit. I will post in the document section below the email address that was used on XXXX XXXX to access my account. I was also unable to get access to my credit reports or XXXX  TransUnion an XXXX. I will be sending an identity theft document to the 3major bureaus.

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 2015-04-07
Company: Ballybunion Enterprises, Inc
State: AZ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have a judgement with this company and I am trying to pay it off, but for the last 3 months I have tried to get the pay-off amout with no results. I have contacted the XXXX time, XXXX in XXXX XXXX in XXXX another time in XXXX. The XXXX time I was told she needed to check with the lawyer and get the total. The next XXXX times I told them what was going on and was told they would research the account and get back with me. I gave them my current phone number each time and heard nothing. I feel they are just running up the intrest and are waiting to do garnishment. I have had the means to make mayments and start with a good down. My credit councler said I should ask to have this deleted due to lack off response. Any help you could give would be great. Thank you. Here is infoFREEDOM XXXX XXXX XXXX XXXX - - -Type of Loan : SECURED LOANB / XXXX, XXXX : AMOUNT IN HIGH CREDIT ORIGINAL CHARGE-OFF AMOUNT ; CHARGED OFF ACCOUNT ; ACCOUNT CHARGED TO PROFIT AND LOSS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for loan help in XX/XX/XXXX with SPS. Due to the COVID pandemic and state lockdowns, I had a reduction in income and could not afford to pay all loans attached the house without help. The house is not my primary residence since I moved out of state for work and the real estate market did not allow for the sale of the house. I called the mortgage company, SPS, daily. I did everything they said to do, and requested to speak to a manager, but was denied. At the beginning of XXXX the agent said I would qualify for relief of at least {$10000.00} and that it would be finalized the next week. To stop incurring additional debt, I had to sell the house. In XX/XX/XXXX, SPS stated that I would still receive mortgage relief to pay off additional loans, even if the house sold. SPS received the pay off amount on XX/XX/XXXX and dropped my claim. They stated that since they got their money, the request was no longer valid. And thus, I am negative in paying off loans related to the home, even though I no longer own it. SPS intentionally gave me false information and delayed approval of the requested assistance to further their own financial gain at the expense of my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: DISCOVER BANK
State: WI
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: Card was charged for something you did not purchase with the card

Complaint:
My dispute with Discover Card accounting practices for unrecognized charges of $ XXXXand {$12.00} for XXXX XXXX XXXX XXXX respectively. These charges were reported after my cancelation of my my auto insurance policies insurance. 
Unfortunately, my communication with credit bureau reporting agencies concerning my dispute are yet to produce understandable conclusion. 
The latest statements received dated from XXXX showed a new balance of {$200.00} ; whereas the statement dated from XXXX a new balance of {$350.00}, ... as if we don't have enough mixing up matters, as XXXX  kept adding unrecognized charges to these ones- already disputed and done with, earlier. 
XXXX  still adding interest, to be paid for unrecognized transactions. My credit standing is threatened. 

Please be advised that I have always paid my bills in full, and in advance. Currently, I was threatened to pay interest on the disputed transactions. 

PS : My Credit Card Number indicated is the one canceled few months, while another number ending in XXXX was compromised and deleted, much earlier. Both credit number were mixed up with Discover Card statements. 

I'm a XXXX XXXX XXXXXXXX XXXX  ( XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Making/receiving payments, sending money

Complaint:
I went into Chase bank to cash a check from one of their own accounts. They told me there would be an XXXX charge to cash it. {$8.00} on a {$65.00} check is ridiculous, not to mention the check was from one of their accounts. It is a promissory note from their institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: Sunset Management, Inc
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have called my sister three times in one day, on XXXX/XXXX/2015!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I went to XXXX XXXX XXXX on XX/XX/XXXX to purchase a truck. I left that day with my original contract. On XX/XX/XXXX, I received a copy of the contract via email per my request. To my surprise the copy of the contract now has 2 FORGED signatures from the dealership or Chrysler Capital with a date of XX/XX/XXXX that were not on the original contract. Once again, I was at the dealership XX/XX/XXXX NOT XX/XX/XXXX. I feel very deceived that I have been paying on a fraudulent truck for over 2 years. Also they never gave me rights to rescind pursuant to 1026.23 Right of rescission. ( a ) 1-3. No disclosures nor paperwork was provided to me either in the event this was an actual signed contract. I will be filing a formal complaint with XXXX, AG, FTC & NV DMV Compliance Enforcement as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
An XXXX store card was fraudulently opened in my name. I have attempted to address this with synchrony bank but I am still receiving bills for the card and collection attempts.

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 2022-05-16
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX, a federally protected consumer, an agent and principle, holder in due course and attorney in fact to XXXX XXXX. 

I pulled my credit report XX/XX/22 and seen that Receivables Performance wants to cause stress and axiety to my life by causing harm to financial reputation. 

This is a demand for Receivables Performance to cease and desist all communication with me.

The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium pursuant to 15 USC 1692a ( 2 ). As you should be aware that a credit report is a medium. 

Im aware, RPM are committing securities fraud! XXXX XXXX. Waiver or Renunciation of Claim or Right After Breach states A claim or right arising out of an alleged breach may be discharged in whole or in part without consideration by agreement of the aggrieved party in an authenticated record. 

Therefore you're still trying to extort me when the FTC states that consumer reports are not debt parking zones!

Im also aware that FCRA states that i have a right to a fair and equitable credit report and that i also have the right to privacy, meaning that anything i dont want furnished on my credit report can be removed by law. 

The FCRA states once again, that i have a right to a fair and equitable credit report and that i also have the right to privacy. 

See documents attached.

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 2022-01-01
Company: Mountain Land Collections, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am asking for proof of debt but collection agency is unable and unwilling to send proof of debt. I never received a bill from original creditor. When talking with original creditor they no longer had my information on file. I am needing proof of the actual debt and what and why Im being charged

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
To whom it may concern, I XXXX XXXX have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission. Please investigate these matters and remove the disputed items as soon as possible.

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 2017-01-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
On XXXX XXXX, XXXX, I responded to a promotion and applied for the Chase Freedom Unlimited Visa card online. The promotion is : Chase Freedom UnlimitedSM credit card Chase Freedom Unlimited ( Service Mark ) credit card NEW CARDMEMBER OFFER {$150.00} bonus after you spend {$500.00} on purchases in the first 3 months from account opening. 
After the account is approved, I used the card as per the promotion requirements and waited for the bonus to come. It never did. In XXXX XXXX, I contacted Chase Visa customer support 3 times on status and was told there was no promotion for my card and there is nothing they can do about that. It was a terrible experience to find out this outcome after 3 months of account opening.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Complaint XXXX was submitted to the CFPB on XX/XX/XXXX. It is understood the Fair Credit Reporting Act XXXX FCRA XXXX requires a creditor or other business to give copies of applications and other business records relating to transactions and accounts when requested in writing. 

TransUnion response XX/XX/XXXX to XXXX in part was : We will follow-up with you within sixty 60 days Upon phoning XXXX XX/XX/XXXXXX/XX/XXXX employee # XXXX confirmed the existence of verified records provided by XXXX but refused provision of these business records relating to transactions and accounts. Attached is USPS ( not emailed as repeatedly requested ), received XX/XX/XXXX TransUnions 5 page XX/XX/XXXX, same day response, again concealing from me and CFPB copies of applications and other business records relating to transactions and accounts. TransUnion has been repeatedly, in writing, requested for 187 days to provide applications and all other business records relating to fraudulent XX/XX/XXXX # XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX transactions and accounts. 

On XX/XX/XXXX page 4 TransUnion clearly acknowledges the disputed item was verified as accurate TransUnion is an eager accomplice to Nissans fraud. As I never had the vehicle, never register the vehicle to surrender, TransUnion, to avoid additional damages, please email XXXX all business records justifying your fraud participation : Disp Invg Comp-Rpt by Grntr : Payment Deferred : Voluntary Surrender. 

Please ASAP provide all documents/records by return email to 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 2022-04-15
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/2021 someone tried to open an account under my driver 's license & a phone number I had like 20 years ago thru Target I need a letter to send to XXXX XXXX so a hard hit can be removed. XXXX XXXX said to ask for FTC report- fraud- my cell is XXXX if you have any questions I called you guys 3 months ago & haven't received anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-01
Company: Factor Trust
State: MI
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:
This letter is formal notice that you have failed to respond to my dispute letter of XXXX XX/XX/2021 within 30 days. I have enclosed a copy of the return receipt which you signed in my XXXX complaint. I am maintaining detailed records of all my correspondence with you. 

You may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, Im sure you will want to handle this matter as soon as possible. As such, I have included a copy of my original request, the dated receipt of your reception of the original letter, and a copy of the proof of the mistake placed on my records. 

As a reminder, I am disputing the XXXX XXXX account collection status due to the litigation being thrown out in court. 

Please remove this error from my credit report as soon as possible. 

Sincerely,

Company response to consumer: Closed with explanation