BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collection agency XXXX XXXX XXXX constantly sends me notices for an account that Ive never opened due to identity theft that occurred over 8 years ago. Its for a Capital One credit card and the balance theyre trying to collect is {$840.00}. Ive repeatedly advised them that I never opened this account. Im a victim of identity theft. Ive sent faxes and letters which theyve received. Now as of 2 years ago that fraudulent account has dropped off my credit report because of Statue of Limitations per New York State law. Now theyre constantly sending me letters stating that theyre well of aware the statue of limitations and legally i no longer owe this balance. Theyre using sneaky scare tactics trying to get me to pay for something that Im not responsible for. I used to work for a collection agency and I know these tactics. I told them to cease and desist. They ignore my demands despite they cant legally pursue me any longer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-30
Company: JPMORGAN CHASE & CO.
State: FL
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:
I was charged on the card with number XXXX XXXX XXXX XXXX erroneously by XXXX the amount of {$100.00} on XXXX/XXXX/XXXX. I didnt know this fraud charge was there so i didnt make payments. Chase charged me an additional {$150.00} in late fees since then and ruined my credit. XXXX refunded the charge but chase has not refunded the late fees. I would like to have the late fees deleted and my credit record fixed in regards to these charges. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have disputed this information and they have yet to remove any of the information or any accounts associated with these alleged names and addresses.

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 2022-06-15
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, someone hacked my Citibank checking account and wire transferred {$18000.00} out of my account without my authorization, I found it on the same day night, and immediately call Citibank to locked down my account when it was still on a pending transaction.but few days later, I contacted Citibank again and they told me that my money had transferred out already and Citibank refused to refund me my money. Citibank need to strengthen system security and train they employees, if they locked down my account as soon as it was on a pending transaction, my money was safe.and every time I call Citibank, they always told me that the case is still investigating, and investigator will call me, but there is nobody call me ever, it has been XXXX months, they are still investigating, I need my money back!

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 2017-10-05
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company received a letter dated XXXX XXXX, 2017 from me requesting validation documents for account numbers XXXX. I did not receive any response from this company. I did not receive and validation document ( statement/bill, proof that this debt was assigned to them etc. ) This clearly is a violation of FCRA and FDCPA. Their negligence and none compliance are preventing me to acquire credit. This company is robbing me of my rights which has a great effect on me and my family financially. Attached to this complaint are copies of the letter I sent them last XX/XX/XXXX and the letter I am sending them today XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: KEYCORP
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I made a deposit through the ATM a check for {$75.00} from XXXX XXXX made out to XXXX XXXX XXXX XXXX was caught in the machine Debit card associated with this transaction. I called Key bank that evening and the customer service rep told me it would take 2 days to clear up. On XX/XX/XXXX I went into Key Bank and I was told they had the check. I talked with a woman XXXX ( not the correct spelling of her name. She called me on XX/XX/XXXX and told me the were depositing this check into the account. THIS NEVER HAPPENED. I went to the bank on XX/XX/XXXX The manager told me the check was in dispute, and she would have XXXX call me. Which she never did. Extremely poor Customer Service with zero follow through. I requested from the manager the check back ... the issue is still not resolved. I have heard nothing from KEY Bank. 

The name on the account is XXXX XXXX XXXX XXXX .... My name is XXXX XXXX. I am asking that this bank IS INVESTIGATED, and this problem is corrected immediately. 

Thank you for you timer in this mater XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX continues to furnish an account on my credit profile that was previously deleted. Its not mine. And according to the FCRA a consumer has a right to privacy and nothing shall be furnished without my written consent. Also 18 USC 8 says all debts are the obligation of the United STATES. I did not consent to, authorize, nor benefit from this account. 

1. Capital One XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Where to start with the issues I've had with Chase Bank since closing on my mortgage XX/XX/19? I'll touch on the latest issue, a loan modification application. As some folks may know, a loan modification isn't necessarily predicated upon financial hardship, but this is one of the several criteria that must be met if your mortgage loan is with Chase Bank. Ok, they're are presumably allowed to set those terms. Not realizing this, I submitted by loan modification application ~XX/XX/19. No problems so far. However, when Chase received my application, they disallowed me from submitting my mortgage payments through my online Chase account. Hmm, why would Chase Bank do this? In a response dated XX/XX/19, Chase claimed it was working on better IT solutions for their customers ( I'm paraphrasing ). How nice of Chase Bank to think of allowing customers to conveniently submit some payments online while the application is being reviewed. Chase responded that I can still can to a local Chase branch, call Chase Bank, or mail a payment. All of these require time, which I don't have much of. In addition, what good reason does Chase Bank have to disallow me from submitting mortgage payments online? Of course, my $ 300k plus mortgage loan is likely accruing interest all the while. How interesting, right? In another email from Chase dated XX/XX/19, I was told in the email that I could email my financial institution information along with the amount and date I'd like to pay toward my mortgage. I responded XX/XX/XXXX that I'd like a payment to post XX/XX/19. Today is XX/XX/XXXX and my payment has not posted and communication from Chase Bank has fallen silent. Also interesting ... 

Here 's the bottom line : Chase has put up barrier after barrier and excuse after excuse to limit the number of people who apply for loan modifications and to make it smooth for those who do. Why? Chase Bank stands to lose money, of course. I get a number of nice-ish emails and calls the week of XX/XX/XXXX from Chase Bank but they have no substance, just empty words from a bank who, in my opinion, doesn't give a XXXX about its customers. Don't do business with Chase Bank if you have other, hopefully, better options. I know I wont again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: BCG Equities, LLC
State: IL
Product: Debt collection
Sub-product: Payday loan 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 complaint against the following companies : Loan Originator : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Debt Collector who purchased the original loan from the Loan Originator : BCG Equities , LLC, XXXX XXXX XXXX XXXX, XXXX, WI, XXXX Collection Agency acting on behalf of the above Debt Collector : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX Summary of Complaint : This loan was taken out in XX/XX/XXXX in the state of Wisconsin. I settled the original amount but they tried to collect an additional amount of {$4400.00} ( in interest at an extremely exorbitant rate exceeding 400 % ). The " collection '' was sold to BCG Equities and they attempted to collect it in XXXX by harassing me with multiple letters, e-mail and phone calls. It is important to note that they were attempting to collect on this loan past the 6 year statute of limitations for the state of Wisconsin. I sent them multiple cease and desist letters.In retialition, they added a collection account to my credit report which I disputed with all the credit agencies and successfully removed. Their collection letters noted that this debt was outside the statute of limitations yet they were continuing to harass me. 

It is now XX/XX/XXXX, and they have hired a Collection Agency to act on their behalf to collect this same " debt '', by sending me e-mails and calling me on a regular basis requesting payment. I have just sent another of several cease and desist letters to both Collection Agencies noted above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: LA
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 XXXX XXXX whom resides at XXXX XXXX XXXX XXXX is a victim of Aggravated Identity theft and is being violated by these companies as a consumer and has reached out to these companies XXXX times stating law 605B.15 U.S.C. 1681c-2 BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT. Here are the USPS XXXX # numbers for each letter sent : Experian : 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 non-monetary relief
Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
State: IL
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:
15 USC 1681 ( a ) - You are in violation of my right to privacy and information I want to be private that's posted on my consumer report is a violation infringed upon my right of privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
WHAT HAPPENED : Bank of America put a XXXX business day XXXXday hold on a check when my funds were low claiming suspicious activity on the issuer, an XXXX XXXX Company banking with XXXX XXXX Bank . 

MY MAIN CONCERN : I have deposited multiple checks from this company in the past with Bank of America ; this is the first time they have suspicions of the issuer. In the past, I have near always had XXXX in checking at the time of depositing the aforementioned checks from this issuer ( according to bank XXXX total ). This time I had {$40.00} - and pending charges I was assuming this check ( {$1700.00} ) would cover, in holding this check they have charged my account {$70.00} in overdraft charges. 

BANK OF AMERICAS RESPONSE : In calling I was told XXXX  days into the hold that the money would be available the next day after XXXX pm, that was yesterday and still no money. I did call to complain about the overdrafts and was told there would be a removal of the overdraft fee and that I would not be responsible for any further overdraft charges during check hold ; however, I just received yet another charge. 

Bank of America keeps you on hold for XXXX minutes each time I called to resolve these charges, they are difficult to work with and I can not help but think they profiled my account before holding this check as it would result in multiple overdraft 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 monetary relief
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 contacted Transunion with a notice stateing that I had had my identity stolen. I put a stop on my credit report, and sent in the police report attesting to this. However, transunion is still allowing these items on my credit report, even though they are fraudulent.

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 2022-06-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
15 U.S.C. 1681 a ( 2 ) states : Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information that resulted from an alleged identity theft, not later than 4 days after the date of receipt by such agency of- ( 2 ) a copy of an identity theft report. 

To which case, this happened to be 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 non-monetary relief
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: OH
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:
I have disputed all of my personal information as well as disputed all inquiries that I have listed below as fraud as I am a victim of identity theft and fraud and the credit bureaus have not removed these from my credit reports. 
I have contacted each of these companies and they could not verify why these inquiries were made and informed I needed to contact the credit bureaus. 

I have filed police reports # XXXX as well as filed identity theft and fraud reports. 

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 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. 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 non-monetary relief
Consumer complaint received 2018-03-22
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:
CALLTHE COMPANY TOLD THEY THIS ACCOUNT DOSENT BELONG TO ME EVEN EMAIL AND DISPUTE THIS ACCOUNT

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 2018-03-22
Company: EQUIFAX, 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:
CALLTHE COMPANY TOLD THEY THIS ACCOUNT DOSENT BELONG TO ME EVEN EMAIL AND DISPUTE THIS ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: ALLY FINANCIAL INC.
State: IL
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:
I spoke with a repersentive at XXXX to report a numerous amount of hard inquires that Im unaware of. They refuse to remove the inquires and directed me to the creditors in which theyve also denied my request to remove them. It was bacially like a back and forth situation.

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 2022-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Company refusing to process previous complaint. Letter was mailed out on XX/XX//2021 to dispute items. Investigation has been over 30 days and my dispute is still not addressed.

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 2017-07-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received an email and a flyer from Citibank for my Brooks Brothers Platinum credit card stating that I would receive a {$10.00} statement credit for each new automatic payment I set up for utility, cable or other monthly service provider bills. I complied with the terms of the promotion, but have not received a statement credit. I called Citibank and they have refused to honor this promotion. I have attached the email providing the terms of the promotion.

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 2017-07-20
Company: AMERICAN EXPRESS COMPANY
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:
To whom it may concern : I have applied for the American Express XXXX XXXX XXXX credit card onXX/XX/XXXX and got approved with a {$6000.00} line. Earlier today ( XX/XX/XXXX ) unexpectedly I noticed that my other American Express Bluecash Everyday card that I have been using since XX/XX/XXXX has got a line decrease all of a sudden from {$12000.00} to {$6700.00}, so I called American Express customer service right away. Throughout my conversation with them, it seems that when they approved my XXXX XXXX XXXX card application, they allocated {$6000.00} of my XXXX XXXX card line to the new card, and the only option to increase the line for my XXXX XXXX card is to apply for a credit line increase. This is the problem. First of all, there was absolutely no communication/notification to me regarding the line decrease/credit line allocation between the two cards in any forms after I was approved for the new card. It 's not only a question on credit card line strategies but also a customer service issue - I feel that I was n't fairly treated with my right to get notified regarding the credit decisions that the credit company is making. I understand that credit line decrease is usually communicated before being implemented and it usually has negative impact on credit bureau profile. Secondly, as much as I want to have the new card, I want to have sufficient spending limit on my XXXX XXXX card, and the sudden decrease is certainly not helpful on this front, and has affected my upcoming spending plans. Last but not least, customer service transferred me from one department to another during our conversation without providing much helpful information regarding what the possible solution is for this matter. When it comes to a " final conclusion '' that I need to apply for a credit line increase, I feel it 's beyond unreasonable as they cut the line without telling me in the first place, and by applying for credit line increase, they will have to pull my credit again without any guarantee that the line is able to be increased back to the level it was. To summarize, it was a fairly disappointing experience with American Express, and hope that the issue could be further addressed to them and resolved in a mutually-beneficial way. Thank you very much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28
Company: LEXISNEXIS
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:
My information was stolen years ago and I've had to file several reports to remove the inaccurate accounts from my credit file. No results.

Company response to consumer: Closed with explanation