BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I reported fraudulent charges from XXXX on my Capital One XXXX on about XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I received a letter signed by " XXXX '' stating he had found " no indication of fraud. '' The same day, I called Capital One to attempt to speak with him, and was greeted by someone who would only identify himself as " XXXX '' agent ID XXXX. I asked to be transferred to " XXXX XXXX, '' and " XXXX '' told me he was unable. I asked to speak to a manager, and he refused, assuring me he was a manager. I reworded my request to ask to speak to his supervisor. He asked why, and I reminded him it was because I wished to speak to " XXXX XXXX '' He again asked why and I asked if he already forgot my reason, and if he was refusing to transfer me to his supervisor. He told me that I have to act professionally or he was going to hang up on me. He finally egregiously refused to connect me to his supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17
Company: LD Holdings Group, LLC
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
My refinancing application was denied and all I 'm asking for was a formal letter of explanation as to why. I believe I have a right to request this. I have emailed several times. I was told they have 30 days to respond and will have to through their compliance department. The 30 days have already passed so I sent a couple of emails to follow up but have not been answered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt is {$730.00} from I.C. System, Inc. which was previously XXXX XXXX. The debt was created in XXXX. My birthday is XX/XX/XXXX. Therefore, it is impossible this debt is mine because I can not open a cable or internet account as a minor. They refuse to fix this and insist the debt is mine after Ive disputed it and called the company multiple times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had a credit card with USAA, my available credit was {$16000.00}. My balance is currently around {$3000.00}. In XXXX 2016 unauthorzed transactions were placed on my account, as a result my credit limit was exceeded. Therefore, USAA revoked the account. I filed my disputes, USAA investigated the un-authorized transactions and reversed them. However, refuses to place my account back to the original status prior to the un-authorized transaction activity. USAA has also forwarded this inaccurate information to all XXXX credit bureaus. I have disputed the reporting of my account revoked and balance, with the bureaus, they have requested an investigation. Therefore, USAA has triggered my ability to collect damages. My credit score has been lowered by XXXX pts. currently around XXXX from XXXX. I have made all my payments, all much higher than the required.I have made a total of over {$7000.00} in payments just this year. I have sent numerous emails but USAA refuses to follow federal policy. I am in the process of securing a large construction loan ( in the XXXX figure range ) the higher interest rate will cost me more than {$35000.00} over the course of the loan unless this USAA returns my account to its original status and reports it correctly to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: CITIBANK, N.A.
State: OH
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I retrieved a package from XXXX from my mailbox on XX/XX/XXXX. Upon opening the package, I saw that the merchant did not send the correct number of items. I had ordered 4 packs of 5 items, but I had only received 4 packs of 1 item. I reached out to the vendor on XX/XX/XXXX and then began the return process on XX/XX/XXXX. I indicated that my reason for returning the items and requesting a refund was due to missing 16 items. I also indicated the merchant must cover the cost of the return label for the 4 items that I was returning. The merchant asked for pictures, and so I sent pictures to show that they sent packs of one rather than packs of five. 

I filed a dispute with Citibank on or about XX/XX/XXXX or XX/XX/XXXX because XXXX was not resolving the matter. After I filed the dispute, either XXXX or the merchant or XXXX provided a return label and said to ship the item back by XX/XX/XXXX to claim the refund ( refer to " XXXX message 08 ... ''. ). The returned items were received by the merchant on XX/XX/XXXX at XXXX XXXX ( refer to " XXXX - ReturnTRACKING ... '' and " XXXX - ReturnDetails. '' ) Citibank did not resolve the dispute and, on XX/XX/XXXX, indicated that I was responsible for the dollar amount. I submitted documentation to show that I am owed a full refund from XXXX. However, on XX/XX/XXXX, Citibank determined again that I am responsible and asked that I show evidence that XXXX merchant would issue a refund. The evidence had already been provided in the documentation that I had sent. Again, refer to " XXXX message 08 ..., '' " XXXX - ReturnTRACKING ..., '' and " XXXX - ReturnDetails. '' The messages and the tracking information are all attached. The last message that I sent on XX/XX/XXXX to XXXX merchant was not replied to by the merchant or XXXX. The bottom line is I paid for 20 masks so that I would have them and could wash them for my children to wear to school before XX/XX/XXXX, I only received four masks from the merchant, I returned those four masks, and I never received any refund.

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 2021-04-20
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: Information belongs to someone else

Complaint:
There are XXXX accounts on my credit report that do not belong to me I have not applied for these or signed or used these I disputed these with the bureaus starting XX/XX/2020 and opened an FTC for these accounts but nothing has been done to help me out in order to remove these from my account. 

XXXX XXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX Acct # XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX Acct XXXX XXXX {$0.00} XXXX XXXX, N.A.- Acct # XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: American First Finance, Inc.
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I needed car repair, was offered financing via XXXX as their financing option, which I accepted. Upon picking up the vehicle I learned that the financing was at 119.56 %, which is grossly high, and very unfair to someone who needs the financing. 

I want to complain that the financing charge is far too high and should be reduced to a fair rate, of under 50 %. They are taking advantage of the financially disadvantaged person who can otherwise pay off a loan, and this is a rip-off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have notified Equifax several times that the following information do not belong to me. Please assist me in getting this matter resolved. I never had a PO BOX . So the XXXX XXXX XXXX that is reporting on my credit file is not mine. This may have been open as a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I fell behind on a car loan with USAA and the bank froze my access to my checking account. I had no idea what the balance was and it led to a number of insufficient funds charges. I saw this article this morning XXXX and after reading this article, I believe this is what USAA did to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received XXXX notification by Diversified Consultants Inc in XXXX 2015 ; I had 30 days to make arrangements per law or the debt will be reported on my credit report. I went online and made my first installment within 30 days ; company accepted terms, collected first payment and the company still falsely reported to the credit reporting agencies as unpaid amount ( which is not trueO and I continue to make no attempts to pay the debt. This has caused undue hardship to my credit score and is in violation of the consumer credit laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been with Discover for 26 years. My rate is a variable rate according to all statements but the rate has never adjusted. It has been 29.99 % for years and everytime I call or message them they inform me they can '' t lower it. I have received not explanation other than that. Over the years the Fed has raised and lowered rates but there is never an adjustment to my rate which I believe is unfair considering I haven't been late in over a decade. I just want fair treatment like my other variable rate cards and a proper explanation as to why my rate never adjusts considering the currently rate to them from Fed is 0 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: JPMORGAN CHASE & CO.
State: CA
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:
I went to Chase to open a savings account and deposit a cashiers check. The banker there asked me to set up direct deposit with my Social Security benefits and I declined. I said that I wanted to see how my account works and then decide months from now if I want to set up direct deposit. Im elderly and take time to communicate what I want. However the XXXX was very pushy and asked a lot of questions. I instructed the banker to give me paper statements and that I dont do anything online. The banker provided me with one piece of paper ... and a packet of disclosures. 

Once I returned home, I noticed that I wasnt given my account number or any information on my new savings account. A week later, I received notice from SSA saying that my Direct Deposit had been changed. 

I went back to Chase because I was upset that the banker didnt provide me my account information and had also went ahead and somehow set up direct deposit without my consent. I complained to the XXXX but she didnt seem to take my complaint as a complaint and sent me on my way after waiting for an hour to meet her. 

Later that day XXXX went back into looking at the paper I was given and noticed that the account information I was provided were for old accounts that had been closed. So I returned to the bank the next day ... waited again ... spoke to XXXX more people and finally received my account information. 

I feel that I wasnt treated well, I would say I was taken advantage of, and dont feel my information is safe at chase. Supposedly theyre going to investigate the original transaction, however I dont believe theyll actually do anything. This is definitely elder abuse and chasing sales.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently refinanced to a loan with Loan Depot, XXXX XXXX XXXX XXXX Tx. XXXX. Loan Depot never sent me my statement the first month I was with them. I called in on XX/XX/2016 to get a statement. Loan Depot sent me a statement and I made my payment over the phone. I called back XX/XX/XXXX and XX/XX/XXXX to make sure payment was received because I did n't see it come out of my account. Both times, I was reassured that my payment went through and posted. My payment did not post due to a wrong account number and I was charged a fee for this. I called in multiple times to confirm that payment went through and was reassured both times that payment went through just fine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: Diversified Consultants, Inc.
State: DE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Last XXXX I was contacted by Diversified Consulatants for a debt owed by an unknown person named XXXX XXXX. Several calls were received and during XXXX conversation I was calld a XXXX by the agent handling the call. I advised during each attemp that the debtor was unknown to me and that they were calling the wrong person. Several months have gone by and I have started to receive these calls again. The first phone call I asked the agent to provide the name of her company and she refused. She kept asking if she had XXXX XXXX on the line and eventually hung up on me. I immediatley called the number back XXXX and requested a manager. After holding I was transferred to XXXX XXXX 's voicemail where I disconnected the call. I called again and spoke to XXXX XXXX who identified himself as an acting supervisor and refused to provide me with an actul member of management until I went through all of the various agencies I was contacting. I am asking that these calls stop once and for all. The supervisor that I eventually spoke with XXXX XXXX assured me that my number was being removed, however I have been told that in the past. This company violated TCPA as they are calling my cell without my permission and FDCPA by refusing to provide the company name, adhering to my cease and desist request and the use of vulgar XXXX slurs. I am feed up and there harassment is stopping me from completing my work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Atlanticus Services Corporation
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX/ATLS/FORTIVA XXXX has been reporting false and inaccurate information to the credit bureaus in regards to a debt. I have questioned multiple times to have the information corrected on multiple occasions to the point where I just decided to pay the debt. This is a 2 company effort between XXXX XXXX XXXX and Fortiva XXXX. Fortiva XXXX is still recording this on my credit report even though it has already been paid to XXXX XXXX XXXX on XX/XX/2021.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have an unverified account from Diversified Consultant. I had previously disputed this account. I have never done business with Diversified Consultant. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Diversified Consultant provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Diversified Consultant Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2016-03-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My Mastercard with USAA was compromised, and I was a victim of Identity theft. I was checking online for a statement since I did not receive one for the current month and there were many charges from XXXX listed. I never made ANY of these charges, and my concern is why did n't the USAA Fraud / Security department alert me to these charges. I have had the Mastercard since XX/XX/XXXX, and have NEVER purchased anything thru XXXX. The first charge was on XXXX XXXX, XXXX and continued thru XXXX XXXX, XXXX. There were XXXX charges to XXXX XXXX, totaling over {$9000.00}!!! When I called USAA, all I got was : " gee, I 'm sorry. I do n't know how that could have happened. You must have fallen thru the cracks! '' How can I have confidence in a company that does not monitor accounts? All but XXXX of the charges have been credited, the account was closed and I have received a new card. But there are XXXX remaining charges from the same XXXX XXXX, totaling {$1400.00}. I have tried 4 times to get someone from USAA Fraud/Security to correct these charges. First on XXXX XXXX, then on XXXX XXXX, then on XXXX XXXX, and finally today on XXXX XXXX. After being " On hold '' for 20 minutes each time, I spoke to a rather incompetent agent who merely said " Wow, there 's alot of charges and credits. I 'm sure it will be fine. '' I still have {$1400.00} outstanding that I did not charge. He did n't know what to do, so I asked to speak to a supervisor. After being " On hold '' again for about 7 minutes, he said he 'll take care of it. What?? I want to speak to a Supervisor. He said they 're too busy now and will call back. That was 4 hours ago. I am very upset and frustrated with USAA, who portrays itself as an aid to military- ( my husband and daughter are military. ) The fact that this happened in the first place is very upsetting, but the fact that USAA is not trying to resolve this is more concerning!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are 7 accounts on my credit report that do not belong to me I have been trying to contact the bureaus by mail or phone regarding this since XX/XX/2020 and they have done absolutely nothing about this I need this taken care if because it is affecting me in a negative way and these are not my accounts I should not be wasting my daily time to write letters open FTC and other reports to prove they are not mine. 

Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2018 I attending a closing at the XXXX XXXX XXXX, XXXX XXXX offices to complete the sale of my property at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The firm was provided a payoff letter from the mortgage holder Mr. Cooper ( formerly Nationstar Mortgage ) created on XX/XX/2018 and good through XX/XX/2018. XXXX XXXX XXXX " cut a check '' ( actually prepared a wire transfer ) for Mr. Cooper in the amount stated on the document ( {$100000.00} ). I also had previously been in touch with Mr. Cooper, apprising them of my decision to sell the property. Mr. Cooper followed through with the foreclosure on the basis of a short payoff they said occurred because of a disbursement not listed on the payoff letter. Mr. Cooper now refuses to grant the release of the property while continuing to charge me for the monthly mortgage ( I haven't lived in the property since the closing ), as well as charging me for late fees, legal fees, and other charges. 

At the time I'm making this complaint, I'm also sending Mr. Cooper a demand that they rescind the late fees and other charges. 

Mr. Cooper made no attempt to contact me through e-mail, and terminated my online access to the account. I wouldn't be aware of the current situation had I not contacted Mr. Cooper of my own volition. 

The loan number from Mr. Cooper is XXXX. 

Thank you.

Company response to consumer: Closed with explanation