BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-28
Company: Harris & Harris, Ltd.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
the issue is this, the reporting agency has put tickets on my credit report base on what Ihave found out. they pass a law that can not put tickets on your credit report. I would like them remove. if they are not suppose to be on there and they are breaking the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card
Issue: Other

Complaint:
Due to an overpayment, I had a large negative balance on  my Lowe 's store credit card. I requested a refund of this balance per Lowe 's policy. This was 50 days ago. I was initiall y told it would tak e 7 to 10   days to process the refund. Several days after that time had lapsed ; I was told it would take up  to 20  additional days for them to resolve my refund. It has now been 30 days since they said that and I still have not heard anything from them. At this point I can only assume that they plan to not release the balance to me. Can you please contact them and ask why they are witholding funds from me against my will? Thanks

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 2017-04-19
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had a Chase-issued   XXXX   XXXX   card that had not been used since   XXXX   XXXX    . I received a bill early this year demanding an annual fee. I promptly called to cancel the card, then destroyed it. I just received a bill for {$76.00}, which is {$60.00} for the annual fee, {$15.00} in late fees, plus interest. When I called   XXXX   XXXX   to say I will not pay an annual fee on a card that I canceled, I was told it could not be reversed. I asked for a supervisor and made no headway. He asked if I wanted to reinstate the card. I said no, I do not want my credit rating harmed, but I have no intention of paying an annual fee on a card that I canceled and destroyed. When it became clear that I was getting nowhere, I said I would contact the CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-15
Company: Experian Information Solutions Inc.
State: NY
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2019-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America continues to place holds on my funds and fails to have customer service in place to remove the holds they cause. 

1. XX/XX/2019, BOA placed hold on my debit card on business checking acct, card ending XXXX. 

2. BOA notified me by text. 

3. I called phone number in text. Provided options of 40 minute hold or call back. I request call back. 

4. Call back came but I was already asleep. I rejected call. Three more callbacks came, waking me four times. I had to shut off my phone. 

5. Today I called again. Again, a lengthy wait or callback. I chose callback. 

6. Upon callback I verified all recent transactions and was told block had already been removed but he would place notes verifying all transactions. 

7. I attempted to withdraw XXXX dollars from non BOA ATM, was declined, causing new block. 

8. I attempted to withdraw XXXX from same ATM, said error. 

9. I walked to BOA ATM, attempted to pull XXXX, received message about hold placed, asking me to call. 

10. I called again, options 40 minute hold or callback. Opted for callback. 

11. This caused nearly 2 hour delay in getting home. 

12. Callback came, agent said is no hold. 

13. I said would walk to BOA atm while on phone with her. While on phone, declined again due to block. 

14. BOA agent said would send me text, but it never arrived. 

15. She said would call me back right away. 

16. 10 mins. Later no call back. I schedule XXXX home. This caused to me be out on cold and get a headache. 

17. She calls and asks if I want her to check acct. I said yes and after that I want to speak with supervisor. 

18. She placed me on hold for nearly an hour. Currently on hold still.

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 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have disputed multiple items on my report a couple of times I have not received no verifying items of these matters in my report and I have seen no letters detailing why these items have been on my report I read thirty days of not verifying items on my report it has to be deleted

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 2019-12-21
Company: POPULAR BANK
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
A court order directed XXXX XXXX, to transfer funds in my mother 's name to an estate account after her passing. 

Also in the account were checks deposited in my name in the amount totaling of {$87000.00} My funds have been tranferred and the bank has now closed my account PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My checking and savaving account are closed by XXXX XXXX XXXX on XX/XX/2021, because I have deposit a check amount {$3800.00} that I have received by XXXX from XXXX XXXX XXXX XXXX to purshases some devises to work with it .It seems that this check is returned for the reason-Enable to locate Acc.After that theu report me to Credit Reporting Agency CRA ( Chechx system and XXXX XXXX XXXX ), Currently I was rejected by the financial institution to open a new account.I w

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 2021-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Im in the process of refinancing my home and Im scheduled to close on XXXX. I was just notified by my mortgage lender that theres an Abstract Judgement ( attached ) in the amount of {$4100.00} for a credit card debt that was placed by an attorney representing Capital One. This to me would be a violation of Section 1006.22 ( e ) ( 3 ) of FDCPA because Texas state law ( section 52.003 Property Code ) prohibits liens for credit card debt to be placed on a homestead. When I called the courthouse where the case was presented on XX/XX/2020 to inquire about the lien being placed on my homestead for a credit card debt, I was informed that the judge signed a Default Judgment ( attached ), not the Abstract Judgment that the attorney had recorded with the County Clerk. In addition to possible fraud, this could potentially be a violation of UDAAP for deceptive and abusive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Issue: Other

Complaint:
Bank  of America, o n an  XXXX  rewards master card, has charged me fees and interest even when there is a credit balance on the card. Additionally, it failed to refund ov er a thousand dollars of the credit balance and it is difficult to impossible to reach a representative  on the toll free number that appears on the billing statement.  XXXX  could not be reached by pushing  XXXX  or through other reasonable means, thus requiring the caller to have his or her time wasted by a lot of rerecorded garbage. When I finally reached someone, he told he I would have to call someone else about this problem. So, in addition to messing up accounts, charging the customer for their  XXXX  ups and then compounding their own mistakes at increasing expense to the customer, the  XXXX  number published on their statements reach no one who can actually do anything to correct their mistakes.

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 2022-05-02
Company: Convergence Acquisitions, LLC
State: IA
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 reached out to the company " XXXX XXXX XXXX '' for information regarding a vehicle loan for the XXXX XXXX XXXX that is reporting on my credit report as charged-off. XXXX advised that they could not provide any information, that I would need to contact the company collecting on the debt, which is XXXX XXXX, however, this debt is still reporting under " XXXX XXXX XXXX. '' I reached out to XXXX Acquisitions multiple times to request verification documents for the debt and was told I was not listed as the owner of this debt, but the primary applicant of the car loan was.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: IA
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 reached out to the company " XXXX XXXX XXXX '' for information regarding a vehicle loan for the XXXX  XXXX XXXX that is reporting on my credit report as charged-off. XXXX advised that they could not provide any information, that I would need to contact the company collecting on the debt, which is XXXX XXXX, however, this debt is still reporting under " XXXX XXXX XXXX. '' I reached out to XXXX Acquisitions multiple times to request verification documents for the debt and was told I was not listed as the owner of this debt, but the primary applicant of the car loan was.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
XX/XX/2022 XXXX CAPITAL ONE AUTO FIN XXXX RE. We have already disputed these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was out of state, I tried on XXXX different occasions to transfer money from my other checking account to the account that has Been closed. I was not seeing the deposit. I then seen that my balance was negative. I called the bank and explained what was going on. I was told that because the funds weren't available when they posted my account was in negative but it would fall off. My mother XXXX XXXX XXXX that was owed to me and due to me being negative the funds were taken. I checked my account a day later and showed a balance of XXXX. I tried to use my card for a small amount and card was declined. I then tried again and same thing card declined. I called bank and spoke to different people who would nit give information just stated over and over that account will be closed and they will issue a PAPER CHECK to my address on file in 60 days. I was unable to get clear answers or answers at all. I asked if it was due to activity of being out of state no answers. I have called again due to this creating a hardship and still no answers just that I will recieve a paper check in 60 days. I am in a financial hardship and have yet to receive a check I have been blocked from card use as well as banking online.

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 2021-06-10
Company: ERC
State: NJ
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 sent a certified debt validation letter on XX/XX/2021 and have not received any information back. I would like this removed / deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I disputed a collections account with this credit bureau and they failed to properly verify the debt with supportive evidence that the debt belonged to me within their 30 investigation period. 

First letter XX/XX/21 Second Letter XX/XX/21

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 2019-12-22
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dear Sir/Ma'am My name is XXXX XXXX , I am writing to report wrong balance statements on my HomeDepot Consumer Credit Card which I have tried in vain to resolve the issue with Home depot Credit Card company . As you would like to know, after getting the wrong balance statement, I call the Homedepot Credit card company trying to resolve this issue but they keep running around with no one solving it. First, I talked to  XXXX of their representatives that resides in the XXXX and the lady ended up telling me that I should not have paid more than the actual minimum payments that are in the amount of {$47.00} per month-I am paying $ XXXX monthly in order to pay it off early. Before XX/XX/XXXX, the balance on my Homedepot credit card was {$1300.00} and on XXXX XX/XX/XXXX I walked into Home Depot store here in XXXX, WA and paid {$120.00} for this Credit card and on XX/XX/XXXX, I got a statement showing that my current balance is : {$1300.00} The second lady I talked to could not allow me to explain myself and ended up hanging the phone on me. Sir, Ma'am, I am writing to see if you could help me solve these problems. I attached all the statements balances. Thank you for your time. I look forward to hearing from you. 

Sincerely, XXXX XXXX Phone : XXXX E-mail : 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 2019-11-20
Company: Peter Roberts & Associates, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX 2019 I sent Peter Roberts a Validation of Debt Request and 93A Demand notifying them they are in violation of 209 CMR 18.17 Unfair Practices and 940 CMR 7.07 General Unfair or Deceptive Acts or Practices in that they are illegally reporting under their own name on a Massachusetts consumer credit report regarding an alleged medical debt. 
I stated I did NOT allow them to access my medical records and any proof of the claim would have to come from the medical provider directly. They replied with insubstantial " validation '' of their claim and ILLEGALLY accessed my medical records sending me statements directly with descriptions of my personal medical history. 
I sent them a second notice via certified mail in XXXX informing them of the HIPAA violations and the fact that they continued to report illegally. They ignored these documents. I sent them a third notice XXXX 2019. They continued to ignore attempts at communication and resolution. 
I would like this account immediately removed from my credit reports and Peter Roberts investigated for illegally accessing consumer medical records.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: AMERICAN EXPRESS COMPANY
State: IL
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:
Does not honor promotion offers. AMEX ran a promotion last XX/XX/XXXX for 100k XXXX XXXX points after $ XXXX spend. I accomplished over $ XXXX spend in the required time frame but afterwards claimed that the sign up was not tied to the promotion even though the email was offered as proof. Have called several times to resolve, but they use delay tactics, and close the complaint without communication. Terrible service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX, I thought about getting my first car so I decided to check on my credit report. I seen that there is an open credit card on my file that I have no idea of, I tried to file a dispute with the XXXX credit beraus and they declined it because said that it was accurate information. I really need help with this I dont know who what or how someone did this in my name but it has to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
WELLS FARGO DISPUTE 15 U.S. Code Subchapter I - CONSUMER CREDIT COST DISCLOSURE 15 U.S. Cod e  1611 -   Criminal liability for willful and knowing violation In review of my home equity documents that I received on   XXXX   XXXX   XXXX  , I do not see a rig ht of rescission pursuant to 15 U.S. Code 1635 - Right of rescission as to certain transactions. This is a violation of the consumer credit protection pursuant to 15 U.S. Code 1611 - Criminal liability for willful and knowing violation- Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

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 2019-12-22
Company: EQUIFAX, INC.
State: SC
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:
In XXXX I noticed there were negative items on my credit report that I was not aware of. At that time I started reaching out to Equifax to determine what these items were and what documentation they had to put them on my credit report. 

XX/XX/2019 : Wrote to Equifax to opt out of their arbitration process. No reply from agency. 

XX/XX/2019 : Wrote to Equifax and asked them provide me with documentation to verify the account listed on my report in accordance with the FCRA. No reply from agency. 

XX/XX/2019 : Wrote to Equifax for a second time and asked for documentation to validate the account on my credit report. I received a credit report with validated as correct on the negative items. Still no original documentation as requested. 

XX/XX/2019 : Wrote to Equifax for third time and requested Method of Validation since the accounts were deemed valid. No reply from the agency and accounts are still listed on report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There are 3 accounts taken out in my name when I was overseas. I contacted capital one and asked to dispute and they said it was accurate I said it was fraud and they refused to take it off my report. The last name on some accounts arent even my last name nor is the social on 2 of them so Im confused on how they can hold me responsible

Company response to consumer: Closed with explanation