BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account is a Capital One # XXXX ... ..I was sue by Capital One even I prove I have some fraudulent Charges. They credit part of the balance so I paid out of the court part of the balance to there 's attorney and the main problem they do n't recognize that I have paid in full the remaining balance. I have my XXXX report and still show some remaining of {$2700.00} and the status is report as Delinquent. I need help to completely removed as a result of affect my credit life style

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: EQUIFAX, INC.
State: GA
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:
Hello, I have been disputing this for years now. I'm requesting something with my signature on it. Every time I ask for something, they send me an old credit card statement. I would like to put this on record that this should not be on my credit report and it is causing lots of damaging. I was advised to make this clear for when I seek help. THEY are not showing me how to are proving this account is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Experian Information Solutions Inc.
State: KY
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:
I have disputed the accounts that are reported by Illinois Department of Family Health. This department constantly reports inaccurate information on my credit report. Due to Illinois Department of Family Health 's failure to report accurately, my rights are being violated under the Fair Credit Reporting Act. 

This is directly affecting my credit report making it impossible to obtain credit. The violations committed against me are : 1. Illinois Department of Family Services supplies false reporting * I have made documented monthly payments for the last 5 years that have not been reported * The agency does n't reflect payments made and marks them as being 120 days late. * Illinois Department of Family Services marks major derogatory marks, even though payments are being made. * Illinois Department of Family Services has changed the the account open date from XX/XX/XXXX to XX/XX/XXXX. 
2. Illinois Department of Family Services does n't respond to disputed information request * I sent a certified mail account dispute letter that was received on XX/XX/XXXX and signed for by an employee. Today is XX/XX/XXXX and Illinois Department of Family Health still has n't responded to my request. This is a duration of 167 days that far exceeds the 30 day requirement by law. After I sent these dispute to both the Illinois Department of Family Services, it seems the agency has retaliated against me by placing these negative marks and changing the account opening date on my credit reports. For the last 5 years I have been paying the required amount that was submitted to my employer. These payments have come directly from my payroll. 

I have disputed this information with XXXX, XXXX, and Experian. All three have failed to follow up and pursue accurate information, even though I have sent paystubs for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX through the month of XX/XX/XXXX. I have included all the documents that have been sent to the credit bureaus and the Illinois Department of Family Services.

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 2017-08-24
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I loged into XXXX XXXX and it says i have {$130.00} in colections from XX/XX/2012. I should not owe anything and dont know why its saying i owe money. Please help

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-04
Company: Credit Karma, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Within the time XXXX XXXX XXXX. I applied for a XXXX credit card. I did so because Credit Karma who i have a active account with posted to my account that i was pre-approved for said card! I was denied! Hard inquiry was now on my report XXXX became hesitant in acquiring another credit card in fear of possible more Hard Inquiries and chances of being denied again, and how that would negatively affect my credit rating. I refrained from trying to improve my credit for 2 yrs. Hoping the negative inquiries would expire. After that Credit Karma posted to my account i would be approved for a XXXX according to their data. I was denied again by the car dealership! But the dealership of course still tried to sell me the car after i showed them on my phone, what Credit Karma sent me on my chances of being approved for such a loan. Unbenounced to me the dealership tried 3 other lenders while he had my info! All attempts got rejected!! And now in one shot i got 4! additonal Hard Inquiries!! On my credit report! As a result of these actions .I no longer use my account with Credit Karma for any accurate info regarding my Credit rating! As a loyal but highly aggrevatted consumer, this company has, taken advantage of the trust i gave them with my personal info.I expect to be compensated in the on going XXXX that is actively on against Credit Karma. For misleading marketing and other bad business practices

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Specialized Loan Servicing Holdings LLC
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I believe Specialized Loan Servicing purposefully under calculated escrow accounts during mortgage modification to make my modification appear better than it actually is. 


This is reflected in the rapidly increasing escrow shortfall and the resultant increased monthly mortgage payments. 

In 2021, although my property valuation did not increase, escrow shortages have increased mortgage payments over {$100.00} per month.

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 2022-01-04
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX dba Shellpoint Mortgage Servicing recently acquired my mortgage by Assignment of Mortgage Recorded in NXXXX Public Register Office on XX/XX/2021. Upon trying to call them several times they have advised that they do not have my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
In accordance with the fair credit reporting act XXXX  Account XXXX ( XXXX XXXX  ) has violated my rights. 

15 USC 1681 Section 602 I have the right to privacy.

15 USC 1681 section 604 A section 2 it also states that a consumer agency can not furnish a written statement without my instruction. 

15 USC 1666B : A creditor may not treat a payment On a car loan Account under an open end consumer credit plan for any purpose.

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 2019-11-30
Company: Selene Finance LP
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am a cosigner on the loan for my daughter. She was behind on her payments. I contacted Selene finance and got the dollar amount to bring her loan current with nothing owed for late charges or current month. I set up automatic payment for this mortgage. Shortly after this began I noticed an additional fee called " advance charges '' I have made three requests for Selene finance to describe to me what advanced charges are. The company has absolutely refused to give me an explanation for this. Their refusal came in the form of telling me I don't know I'll have to look into it. They have never sent me a description for these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal informed me that there was some suspicious activity in my Paypal account. I want to close the account because I do not want to get hacked. Paypal refuses to close the account and is demanding that I send a copy of my photo ID. My photo ID is private and because Paypal appears to have lax security, I do not trust Paypal with my private, personal information. I just want to close my Paypal account. Could the CFPB please help me get Paypal to close my account? Thanks! -XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-24
Company: AMERICAN EXPRESS COMPANY
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Received unsolicited mail from Amex offering XXXX   signing bonus and other benefits. I applied under my name and not my husband and did not know I would not be honored the email offer. My card was approved and I have proof of their offer via mail. Amex does n't want to honor the XXXX to our account -my husband is on the card account with his own card. I still have not received, signed, activated or used the card and have notified Amex several times by phone, chat that I want them to honor the signing offer. Also have told them I wanted to be approved for the XXXX as I dont have an account per terms and conditions. They refuse to tell me how to file a claim, document my conversations in writing and/or honor the difference in points they offered us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hard inquiries by these companies. 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 2022-09-04
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Dear Sir/Madam, I received your email regarding my complaint against JPMorgan Chase & Co. as the beneficiary institution. Unfortunately, you are still ignoring the fact that this complaint is not about the same issue as the previous one. 

The main reason why I keep contacting you is not the fact that my funds were sent via this bank but that the scammers are clients of Chase Bank and registered as XXXX XXXX and " XXXX XXXX ''. JPMorgan Chase allowed these criminals not only to create an account but also to receive money stolen from innocent victims like me.The financial institution shall seek further information or/and documentation from the client in order to help create a proper KYC profile, and when the movement of large sums of money is concerned, to verify the legality and legitimacy of its sources. Their organization, by its conduct, has evidently failed to perform adequate Anti-Money Laundering and Know Your Client ( combined as XXXX procedures ), as those procedures are commonly known under the applicable guidelines and enforcement rules. The financial institutions should battle, Fraud, Money Laundering and XXXX Financing, these guidelines list specific Low and Higher-risk factors that firms should have regard to. 

Such neglection of all of the security measures from the side of Chase Bank as the regulated financial institution is totally unacceptable. Moreover, as they are registered in the XXXX which as a country is a member of the XXXX XXXX XXXX XXXX ( XXXX ) they should have paid an additional attention to such situations. However, they have chosen to ignore it and pretend that nothing is going on and there are no fraudsters who use their services. 

According to all above, I am again asking you to proceed with your own investigation on that matter. 

If you need anything from my side please let me know, I will be glad to do my best in order to make the process as fast as possible. 

Kind regards, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: EQUIFAX, INC.
State: NJ
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:
From XXXX XXXX to present, all 3 major credit bureaus reported an extended late payment history on my account ( s ) by the creditor/student loan provider, XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The creditor also appears as " XXXX XXXX XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' on other reports. 

After receiving official documentation from XXXX XXXX stating that my account was inaccurately reported as late and that the account is now closed after being paid in full they still remain as active negative items on all three of my credit reports. 

Numerous letters, disputes, and phone calls have been made to the three major credit bureaus regarding this matter and yet none have helped remedy the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: CITIBANK, N.A.
State: OH
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:
For the second time in a month, Citibank has removed my access to manage my accounts with them. I am an over-the-road truck driver, I manage all my accounts online and therefore do not have checks for my personal bank accounts. As I work hard to manage all my accounts, I noticed right away when they shut down my access again, and contacted them immediately. They claim that there are no restrictions on my accounts, and basically told me the problem doesn't exist. Today is XX/XX/2022, my payment for my Citi XXXX XXXX card is due on XX/XX/2022, I have no way to make this payment. I was able to elicit a response from Citi 's " XXXX response team '', who also told me the problem doesn't exist, and has subsequently ignored all of my attempts to communicate with them to resolve this problem. 

The last time this happened, they claimed it was because XXXX ported my wireless phone number from XXXX to XXXX ... and that somehow added up to them restricting my access to my accounts with Citi. I have verified all of my personal information with Citi over and over and over and over and over and over and over and over and over and over. All I'm trying to do is PAY THEM BACK THE MONEY THAT I OWE THEM. By continually ignoring this issue, they are effectively refusing my payment. The first time they put a blemish on my perfect credit, you will be getting another complaint for that. 

Until this issue is resolved, I will be making my payments into ESCROW. Any fees they charge me will be added to the lawsuit. 

Citi- don't bother responding to this complaint ... because I no longer care to hear your BS. Save it for court.

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 2017-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I had deposited {$8700.00} cash into an account at the Bank of America ( boa ). The account # is : XXXX in NY for an XXXX XXXX XXXX. But when I got back to my house and went on the computer. I found out that I sent it to the wrong person 's account. It should have been sent to XXXX XXXX. Account # : XXXX.in CA. All I want is to get my cash of {$8700.00} back to me.
I 'm sure I 'm not the only one that has done this before. I am sorry for creating the problem but there should be a way to correct this mess.
I hope you might be able to have the money sent back to me, freeze the account or put a HOLD ON it. Until this gets settled. I have tried several times to get in touch with XXXX XXXX. No answer nor any leaving of a message. His phone # : XXXX.
I would really appreciate any assistance you can give me. My Home # : XXXX
SincerelyXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Atlantic Recovery Solutions LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XXXX XXXX, 2017, I received a phone call from ( XXXX ) XXXX on my cell phone. The man calling asked for someone whose name I did not recognize, so I told him he had the wrong number and hung up. This was the second call I 'd received like this, so I called back and asked him to please take me off their calling list. Instead of agreeing to take me off their list, he asked me how I knew the person they were calling about, if they were my husband or relative, etc. I told him to stop calling me, but he continued to ask me questions about the person they are trying to find. He then accused me of lying about not knowing the person they are trying to find. When I told him I would report him to the FTC, he became rude and abusive and continued to call me a liar. 

I asked for his name and the name of the company he was calling from. He said his name is XXXX XXXX and he was calling from ARS, XXXX XXXX XXXX XXXX XXXX, NY XXXX. I asked him repeatedly for the full name of the company or what ARS stood for and he refused to answer, insisting that it was just ARS. 

This person was extremely rude, aggressive, and refused to comply with my request to take me off their calling list. Instead of agreeing to stop calling me, he started asking me personal questions as if I 'm obliged to help him find whoever he was looking for. He even asked me why my office line was ringing while I was on the phone with him. This person is extremely aggressive, unprofessional, and showed no respect for my rights as a consumer.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: Experian Information Solutions Inc.
State: KS
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:
In accordance with the fair credit reporting act XXXX  Account XXXX ( XXXX XXXX  ) has violated my rights. 

15 USC 1681 Section 602 I have the right to privacy.

15 USC 1681 section 604 A section 2 it also states that a consumer agency can not furnish a written statement without my instruction. 

15 USC 1666B : A creditor may not treat a payment On a car loan Account under an open end consumer credit plan for any purpose.

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 2022-09-04
Company: EQUIFAX, INC.
State: KS
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:
In accordance with the fair credit reporting act XXXX Account XXXX ( XXXX XXXX ) has violated my rights. 

15 USC 1681 Section 602 I have the right to privacy.

15 USC 1681 section 604 A section 2 it also states that a consumer agency can not furnish a written statement without my instruction. 

15 USC 1666B : A creditor may not treat a payment On a car loan Account under an open end consumer credit plan for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
American express provided a welcome offer of XXXX XXXX points for the everyday prefered card, but there is a mis-understanding between American express and me on when I can downgrade or cancel the credit card without losing the welcome offer in terms of " keeping the account for 12 months ''. 
When I was charged for the new year 's annual fee ( I thought that is a sign I qualified for the 12-month term ), I submitted the request to downgrade the card. The agent did not remind me of the potential lose of welcome bonus! But days later, American express took away my welcome bonus because they think I am 1 month away from their 12-month term.

I immediately canceled the request for the downgrade ( which is allowed by American Express within 50 days ) and now I am still holding the original everyday prefered card. But American Express refused to reinstate my points because they determined I had the 'evil ' thought about downgrading the card ( which is not even successful ) within 12 months.

I just don't understand why they are so stubburn about their own mistake without considering how bad the service they provided.

Company response to consumer: Closed with explanation