BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
Capital One ending XXXX with balance of over XXXX idispute this amount owed Capital One refuses to give access to online account XXXX 2021, I am informed card is still open, I requested a new card and sent a payment and requested statements. I have repeatedly requested and called and sent letters and nothing of what I requested has been done. Also to remove late fees I was hospitalized, and to remove late payments reported to credit. To substantial the charges, I am requesting a verification letter. Please also the amounts that I have paid are not accurately reported, there is no settlement offer, Capital One closed my card. Please assist

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Had a high balance on a Chase Credit Card. Paid of the high balance on the Chase Credit card. Then received high fees and interest month later as I continued to use card. Paid of balances that belong to me and left only the balance of fees. Contact Chase to tell them that the fees were excessive, XXXX total, and I would not pay. Now account is growing because I will never pay the card due to the excessive fees. This has been reported before and Chase determine that they are valid. So this a complaint that Chase is  apparently allowed to put any charges on customer accounts and call it valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2020 I received a promotional email from Bank of America ( BofA XXXX ) that offered {$300.00} for completing these three steps : 1. Enroll in the offer ( I clicked on the hyperlink to enroll ) 2. Open an eligible checking account ( I was approved for the checking account on XX/XX/2020 ) 3. Direct deposit {$4000.00} within 90 days ( which I completed within 30 days ) The {$300.00} promo should have been deposited within 60 days of satisfying all requirements above. However, six months went by without any update from BofA. I called their customer service department on XX/XX/2020, was given a case number XXXX, and was informed to follow up after 45 days if I don't hear back. 

I waited more than 60 days and still heard nothing from BofA. I called their case review team on XX/XX/2020 at XXXX and spoke with Supervisor XXXX. He agreed that I met all requirements for the bonus and assured me that it should post within the next 14 days. 

Almost another month went by without any update from BofA. I spoke with XXXX on XX/XX/2020, who said that she will ask the Supervisor XXXX from the last call to follow up with me & gave me 3 business days timeframe. 

After not hearing back from XXXX, I called for the FOURTH time to BofA and spoke with XXXX on XX/XX/2020. He stated that he submitted a new escalation # XXXX, and informed me that a member from the Escalations Unit will follow up with me within 3-5 business days. 

Almost another month has went by without any update from BofA. I am very frustrated at how the bank baited me into opening an account, set up direct deposits totaling over {$10000.00} throughout 2020, and then put me through a ridiculous and unprofessional runaround just to deny the bonus that they offered me in the beginning. I have collectively spent 10+ hours just on the four phone calls, and each time I reach someone with neither the authority nor the initiative to enact any changes, but simply stick to re-reading some " update '' that my bonus was denied but can not provide details as to why. 

I have completely lost patience and trust in BofA as an organization. I will be closing my three credit cards with them shortly and recommend all of my friends and family to think twice before conducting business with this bank.

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 2015-12-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
HSBC BANK Acct # XXXX Status : CHARGE-OFFThis account was reported in XXXX 2008 as being the victim of identity theft ( Police Report # XXXX ) and all information was sent to them via certified letter and via Fax. It has been nearly 8 years since this occurred, and I am still riddled with issues in their reporting and that they 've " charged off '' the account. I have contacted them on several occasions requesting they provide proof of ownership ( signed documents ) and that all charges were legitimate. In each instance, they have never responded. I have disputed these entries on my credit files and they are continually updated with inaccurateinformation. 
In the past 60 days, I have once again sent correspondence to both XXXX and the creditor requesting validation of acct ownership. Each time, they do not provide anything other than an electronic verification that what information they have is correct. When I dispute the accounts to show that fraudulent charges were made on the account, I 'm told that the creditor will not respond and that I need to speak with them. 
I have done all I can do to get this resolved. The only thing that the creditor and XXXX are doing when I dispute these items is to verify my name, SSN and account status - NOT FRAUD CHARGES. 
By law, they have not responded with evidence and appropriately within 30 days to the legitimacy of the charges and have not provided any response or evidence they are investigating the nature of the charges associated with my former acct. In doing so, they 're in violation of the FCRA laws and must remove all entries of this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX XXXX  Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX inquiries 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 Employers 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 explanation
Consumer complaint received 2015-04-28
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
There were XXXX unauthorized transactions on my account dated XX/XX/XXXX. On XX/XX/XXXX, after multiple attempts to contact American Express, the transactions were confirmed unauthorized and I was told the amounts would be credited back to my prepaid bluebird card. I had such a difficult time reaching a representative at the company the multiple times that I called, that I told them I wanted to cancel the card and have the money refunded to me via XXXX XXXX. I was told the max amount that could be sent was {$450.00} I said that was fine and I would cancel the card after I used my refunded amount. I was told to call back in 48 hours for a tracking number. When I called back, they could not locate a tracking number and I was told to call back again in 48 hours. This cycle repeated itself with multiple representatives ( some who did not understand what the problem was due to the language barrier of their call center being located in the XXXX ) until XX/XX/XXXX, when I was finally issued a tracking number. I went to XXXX XXXX and was told the number was invalid. I called AmEx again and they confirmed the number was correct and that I should try again in 48 hours. Again, the number was invalid and I was told to call back in 24 hours. The cycle continued again until XXXX XXXX when the tracking number expired. Since that date, I have made multiple phone calls to obtain a new number and XXXX times in row was told there was no record of my previous call and to call back in 48 hours. Today, XXXX XXXX, I was able to reach someone at XXXX XXXX who told me the money has been returned to AmEx and I need to deal only with them. This has been ongoing for nearly six months and American Express still owes me {$450.00}. I will never use anything related to American Express again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
We are negotiating to purchase a property in XXXX New Hampshire, USA. We live in XXXX, XXXX XXXX. Lender is HSBC International. With two weeks to go before closing, HSBC says the underwriter needs repairs performed on the home before they will close and transfer title. The seller, XXXX/XXXX says the house is being sold " as is '' ( Bank Owned, Foreclosure ) and will not allow repairs to take place prior to closing. Neither side will budge. HSBC gives us no time to secure alternative financing and we risk loosing this home and our deposit of {$5000.00}. We provided everything they asked for in a timely manner but HSBC has dragged their feet, not answering or returning phone calls or emails in a timely manner. We offered to HSBC for us to put funds for said repairs into escrow allowing them to be confident that said repairs would take place after closing but they refused this offer. We feel we have been deceived as we have been pre approved for the mortgage, are putting 30 % down and putting {$10000.00} into a HSBC bank account for the life of the loan. The value of the home as it sits is far greater than the amount we are borrowing. XXXX pre approved for {$70000.00}, financing circa {$55000.00} ) We are devastated that we and everyone involved have put so much time and effort into this transaction only for it to fall apart at the eleventh hour. We have escalated this with HSBC asking a manager to take our case back to the underwriters but feel that HSBC does not have a sense of urgency and are giving us the brush off. This is not the " World Class Service '' that HSBC advertises. This is an XXXX, we have fell in love with, and do n't want to loose it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
debt was written off XXXX XXXX 2000 15 years ag0. resurgent capital servives now trying to collect.4 year statute in California..do I need to pursue legal action to get this stopped?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I filed a complaint and received my response. In it included only XXXX photo verification of a returned cash check of the loans they claim they owe. There are XXXX total loans. I would like to know why I only received a photo of XXXX of the cashed returned checks on the loans. I would like to receive the other XXXX to verify that this is legitimate. I dont understand why they would not include all XXXX to begin with. I am very concerned that all of these loans are not legit and that I never cashed the checks for them in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Since XXXX XXXX I have been working to resolve an inappropriate charge with XXXX XXXX XXXX, without success. In XXXX my account was sent to Transworld Systems Inc. debt collection agency. I contacted one of their representatives, XXXX XXXX, on XXXX/XXXX/XXXX in order to dispute this charge and was told that they would send a verification request to XXXX XXXX to verify these charges were correct. I never received further communication from Transworld. In the meantime I have been in further contact with the Patient Liason at XXXX XXXX. On XX/XX/XXXX I was told my account had been sent to the auditing department and I should hear a result in a few days. On XX/XX/XXXX I was told my account was still in audit but the debt collection agency had been notified and my account was placed on hold. This was the last communication I have received. On my XXXX XXXX credit report the Transworld debt has been reported, despite my account supposedly being on hold and neither company contacting me further. I have attempted to contact XXXX XXXX and still have not received a call back. I called Transworld who referred me to their credit report department, but every time I call that number I receive a busy signal. This incorrect charge has now impacted my credit score, despite my best efforts to resolve the issue, and neither company is working with me to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: The CMI Group, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX, XXXX, I received a collection notice for a debt that is not mine from Credit Management , L.P., of XXXX Texas for a Creditor account from XXXX Cable for {$1000.00}. After a quick review of a credit report I found the fraudulent creditor debt was listed so I filed an Identity Theft Report with the Federal Trade Commission on XX/XX/XXXX, and latter fraud report to the XXXX, NY Police. I then began contacting Credit Management, and alerting XXXX, XXXX, and XXXX of the fraud. 

On XX/XX/XXXX, I sent a Certified Delivery letter arriving XX/XX/XXXX, to Credit Management, informing them of the identity theft, and as they were the party who furnished the information to the agencies, requested documents pertaining to the fraud including applications, statements, addresses, phone numbers, and investigator 's report concerning the account. And, as they were the source of the incorrect information in my credit file, I additionally requested a letter explaining to me their actions taken to fulfill their responsibility to stop collections, as well as correct their reporting to the credit reporting agencies. To date, XX/XX/XXXX, I have not received a reply from them. 

Having spent considerable effort to file fraud and extended alerts, and security freezes, to safeguard my identity I want their detailed report regarding my requests to ensure they have rectified the issue caused by their collection notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX XXXX has not obliged by 15 usc 6802. After contacting this company numerous of times to remove these items nothing has been done. I was never properly notified that this item would be reporting on my behalf nor have I ever given permission for information to be passed to a non affiliated third party. Also after looking at 15 U.S. Code 1681b, a consumer report shall not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. This alone is in direct violation of consumer reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: CURO Intermediate Holdings
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:
This is not my debt!! This is due to Identity Theft, I have already contacted this agency several times to remove this account from all three credit bureaus as well as cease and desist all collection efforts. I plan to seek litigation against this agency as well as the creditor due to the effect this has on my credit and will seek punitive damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo lost a large amount of money that was sent out from another checking account ( owned by me ) to my checking account with them. But didnt return the money and asked me to report it as fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-06
Company: EQUIFAX, 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:
On XX/XX/2020, I sent a letter to Equifax about inaccurate and unverifiable items on my credit report. It has been over 2 months and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. Please have the inaccurate/invalid accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for funding to start my own business but my credit is making the process a lot harder.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: BlueChip Financial
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Called XX/XX/XXXX wasn't in agreement with the pay off amount on XX/XX/XXXX over XXXX after paying XXXX since XX/XX/XXXX have to make payments until XX/XX/XXXX to pay off in payments on a loan of XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Upon looking at my credit report on XX/XX/2020, I realized that I had 2 collections from the same company for the same debt, one for {$1100.00} and another for {$1600.00}. So starting off they are reporting FALSE information. On top of that, they WERE NOT licensed when they obtained my collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
all 3 credit agencies continue reporting various fraud accounts not mines and incorrect public records/ " PACER '' data of bankruptcy chXXXX, outdated reporting since 2013 ( over 7yrs old ) and UNDER AGE DURING TIME FRAUD ACCOUNTS OPENING

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 2022-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
I made a payment of {$360.00}, Capital One received the payment, the payment posted through my bank verifying Capital One received the payment yet Capital One has placed a 7 day hold on money they already received verifying the payment that was made. This is a practice that Capital One does without a consumers authorization nor notification or agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
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:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-03-23
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I never authorized anyone to report hard inquiries on my credit report therefore they must be removed Immediately!

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