BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have a few debt 's that are under my name, all this happen during my military career and I was not aware of such things going on. I have been getting call 's about this, I told them all. It 's not me, I was oversea 's in XXXX or living in a different state during that time. I decided to get a credit report and XXXX, that 's when I seen all this identity theft and debts that are not mine. I even called some companies, provided my information and was told that they do n't have anything on my, but it shows in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: VW Credit
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Volkwagen Credit , Inc and Volkswagen USA have failed to create contingency practices to recover vehicles that are at the end of their lease during the COVID-19 pandemic. Their failure to do such has created unnecessary and unfair situations for their customers. VW is requiring customers to incur additional expeneses in terms of insurance coverage and a per day fee charged by VW Credit , Inc. The additional expenses are due to my fault as a customer as I followed the proper procedure set forth by VW. VW has not made any effort to offer reimbursement for the increased insurance expenses. During this time when jobs and incomes are at risk, the additional expenses can put my family at risk of financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chase home lending assumed my mortgage from XXXX XXXX. In the last week of XXXX, my insurance company informed me that they had cancelled my insurance policy for XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX, TX XXXX last spring. They were unable to get in contact with the lender ( Chase ) to update them with my new policy. I never received any communications ( letter, e-mail or phone ) from Chase about this. Therefore one of the two scenarios has occurred : - My property has been uninsured which is a huge liability. 
- Chase insured my property at a rate that is higher than I planned on paying, without telling me. 

This needs to be rectified. I have not been able to resolve this with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I requested verification of debt owed on XXXX XXXX, 2014 from XXXX , XXXX via certified USPS letter which was signed for and accepted on XXXX XXXX. 

XXXX , XXXX did not respond to the request and has now threatened to sue me and continues to harass me in person ; they sent an individual driving a XXXX XXXX sedan to follow me when I am walking my dog and constantly take pictures of my roommate and I even after we requested that they stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife and I have three mortgages with Wells Fargo. In XX/XX/XXXX, they never sent us 2 of our three mortgage statements and increased our minimum payment because of an escrow shortage. Because we never got the statements, our monthly payment was short. I logged into my online account on XX/XX/XXXX to investigate why we never got a statement and first discovered that we were late on our payments. Second that a statement was NOT in our statement folder which means one was never created. I immediately called Wells Fargo and they had no excuse why an XX/XX/XXXX statement was created for one of my mortgages but NO XX/XX/XXXX statement has been created for the other two. They stated it had nothing to do with my increase in payment nor my escrow shortage. They pushed me up the chain to the " highest '' customer service dept. That was XX/XX/XXXX. It is now XX/XX/XXXX and I have no resolution. They first told me that it was because I pay my mortgage early. Well, I pay all three early and I got one statement. Then they told me that " someone '' had signed up for online statements but that was XXXX  as a statement still should have been created. They continue to give excuses and everyone they have later said was inaccurate. I can only come to the conclusion that this was an intentional act of deception on their part.

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 2020-04-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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 customer service

Complaint:
XX/XX/2020 PHONE ACCESS UNAVAILBLE NO ON LINE ACCESS XXXX USAA Rep XXXX only works inside app on line UNABLE TO TURN XXXX ON UNTIL I AM VERIFIED. I CAN NOT ACCESS TEXT CODE WITHOUT XXXX READ BY USAA AND IT CAN NOT TURN ON. USAA does not provide on line OR PHONE ADA ACCESS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: CarMax, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to dispute the following information in my file. I recently received a copy of my credit reports  (  XXXX ,  XXXX , and   XXXX   ). The credit report showed credit inquiries that I dont recall authoriz ing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all   XXXX   credit bureau agencies because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B . Insurance C. Employment D. Court Order Pl ease remove these inquiries from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: JH Portfolio Debt Equities, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I sent a letter requesting validation and verification of debt XXXX XXXX and received no response from the company at all. Disputed the account with all XXXX bureaus and requested method of verification and the response they gave was that they verified the account. I still have not heard from the company at all and this is XXXX. They are still reporting the account and the bureaus are not correcting the problem. The company has greatly surpassed their allotted time to validate the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-11
Company: Paypal Holdings, Inc
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I have a PayPal account and always have had a credit card in file, whether a XXXX or a XXXX XXXX. I also have noticed that they want to force me to use my bank account instead of a credit card. It is really difficult to find the " use my credit card '' option in the website. 
Once while purchasing online, I needed to revise my PayPal account. Suddenly, a window popped up asking me to accept a PayPal Credit card. The website did n't let me go further until I accepted the PayPal Credit Card. In addition, there was not link in small fonts saying " no thanks, take me to my account ''. After accepting the PayPal Credit I was finally able to pass that window and go to the next window to do whatever I was going to do with my account. 
It is my understanding that after that, essentially a PayPal Credit Card was issue to me. as described, I did n't have any other option but accepting the PayPal Credit Card in order to manage my account. I started receiving empty bank statements from the PayPal Credit Card office. I immediately called PayPal and cancel the PayPal Credit Card approximately on XXXX 2015. Everything was fine until recently, when I started receiving calls from PayPal demanding me to pay an item ( and interests ) that I supposedly bought online with the PayPal Credit Card. According to them these interests have been running for 6 months or more. 
I called them up and they said that I have to pay 6 month interests for an item that I bought with my PayPal account ( no with the PayPal Credit Card ). I asked the operator " how could this have happened? '' he said that the information was sent to me via email. I requested him to resend those particular emails, his answer was that by company policies he can not resend them. 
I buy many things online with the PayPal account. Now PayPal have prevented me from using the account. Also, when I go to my PayPal profile, there is not much information about this incident or anything. The information that one sees there is very simple and there is not many details about the transactions. 
I am willing to pay for the item that they allegedly say I bought with the PayPal Credit Card, but no for the interests. 

What can I do? 

Thanks XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-10
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX XXXX {$920.00} COLLECTIONS XXXX {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02
Company: Pinnacle Credit Services, LLC
State: AR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am receiving statements for a phone company which is not mine. This bill is in a state which I have never lived in. I have never had an account with this company. I have lived in Arkansas for the past forty years. I have tried numerous times to get this account removed from my credit report but all attempts have been unsuccessful. This debt is having a negative effect on my credit scores.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX is facing a financial hardship. He has reached out to his servicer BSI for assistance to retain his home. BSI has stated that they will not assist XXXX XXXX because they are stating he has insufficient income and excessive obligations per the decline letter sent in XXXX 2015. XXXX XXXX has the home and a small car payment of XXXX monthly ; no further obligations. He is delinquent on his mortgage in the estimated amount of {$59000.00} without attorney 's fees and cost. He became delinquent due to his wife becoming XXXX. She was no longer able to work and there were excessive XXXX bills along with a curtailment of income. 
BSI then stated via email XXXX 2015 that the home has equity in the amount of {$100000.00} as XXXX is showing the value of the home around {$330000.00}. BSI failed to provide an actual figure which they should have on hand as they had just reviewed the home for modification. A BPO should have been on done and provided. BSI stated that the " current payoff not including fees and costs is approximately {$230000.00}. '' XXXX is failing to acknowledge the provable hardship and using incarnate information. The homeowner has NO equity in the home as he is behind since 2012 in the amount of XXXX without the attorney fees and costs. A short sale would not benefit XXXX XXXX. The value of the home ( see attached ) per the property profile that we paid to pull XXXX unlike XXXX which is free and more often than not inaccurate ) stated the property value of the home at XXXX. THERE IS CLEARLY CONFLICTING INFORMATION. 
XXXX XXXX feels that BSI is discriminating against him based on his Race, ethnicity, language, and national origin. There is no tangible reason for BSI to refuse to assist him. To clarify, they stated XXXX reason to deny him in writing and then stating another via email. XXXX XXXX is not against asserting his legal right in district court and will name BSI as well as XXXX XXXX and XXXX XXXX XXXX as defendants.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Avant Holding Company, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Hello I am now divorced and recently married so my new name is XXXX XXXX XXXX. I am requesting assistance with my Credit Card Company Avant. Card # XXXX. POC is XXXX XXXX ext XXXX claim # XXXX, email address of rep XXXX ... .In XXXX / XXXX of 2022 I applied and received a credit card with Avant. I applied for this credit card to go on vacation. I unfortunately lost the card and did not know. I found out that my card was lost when I was looking at my app and saw that there were various charges on my account that I did not do. I called and filed a fraud claim with Avant. I also tried to do some investigation my self calling the merchants to let them know what happened to me. They said they could not assist me because I already filed a claim with the bank.. I called to find out the decision on my claim and recently was told that I am to be held responsible for the charges even though I did not place any of the charges and not in possession of the card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Experian Information Solutions Inc.
State: GA
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:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ftc violations attached and noted : The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act The FTC alleges that XXXX violated the XXXX order by deceiving its users when the company shared the data of users ' XXXX friends with third-party app developers, even when those friends had set more restrictive privacy settings.XXXXl 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 2015-09-16
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
SLS is attempting to extort me of additional fees ( Escrow/Impound Advance Balance, ) if I choose to payoff the loan ( see attached payoff statement ) .that was sold by XXXX to SLS unbeknownst to me until Monday XXXX XXXX, 2015. Attached is the purposely bogus erroneous welcome letter that I NEVER received from SLS due to their ineptness and incorrect mailing address on it. In making the purchase they should have gotten my mailing address correct and properly address me as a NEW client!!! with all this unknowingly to me taking place, they have pretended to claim that I was paying taxes, and insurance through a impound account with XXXX which I was NOT. attached are the last XXXX monthly payments that I paid to XXXX on the mortgage that SLS bought, and NOT XXXX of them included ANY impound account for taxes, and insurance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: Experian Information Solutions Inc.
State: UT
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:
CFPB Complaint  XXXX  :  XXXX  indicated the credit cards identified as identity theft in those complaint were removed from my credit report. Current copies of my credit report still show the fraudulent credit cards on my report. Additional complaints and investigation requests do not result in any changes or complete investigations. I request a complete copy of all investigations completed and reasons for not removing the fraudulent accounts from my credit report.

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 2016-07-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
I have a bookkeeper who takes care of all my bills for me. She 's been with me for many, many years. I used to make a lot of money until I had my daughter and became a single mom ... .my daughter was in XXXX. It took all of my time and energy and I could barely work that year. Then the housing market crashed at the same time I could no longer pay my mortgage. I lost my house but did n't go into foreclosure thankfully, I 've always had good credit and before all of this I always paid my CCs off in full each month. 
When I had to move into a small apartment I also had to live off of my credit cards for a while because I literally was n't making enough to survive. I then cashed out my {$70000.00} retirement fund with a HUGE penalty. 
I 've been scraping by and then I think it was last year my bookkeeper says that I 'm paying around {$100.00} a month in interest for my SouthWest Rapids rewards CC. I was confused to say the least? She said I had been over the limit. 
I did n't know why or how that could happen? I remember years ago they would just " decline '' your credit card if you had reached the limit. 
And now I 'm STILL paying around {$98.00} a month EVEN THOUGH I pay OVER the minimum required each month. How can this be? How can they do that? They are literally taking so much money away from me each month. I consolidated my credit cards maybe a year and a half ago to try and get at least a year of no interest. If I had known that Southwest would not notify me or at least " decline '' the card to let me know I 'd reached the limit, I would n't be in this predicament. I mean, it 's really outrageous and I feel so hopeless about it. 
Is there anything I ca n't do or you can do? Anything? I mean, I 'm paying over the minimum each month and they are charging me a little less than half of what I 'm actually paying so then it 's like I 'm paying less than the minimum and the balance will never go down! : - ( Help! XXXX -XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: EQUIFAX, INC.
State: CT
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:
XXXX Account XXXX XXXX XXXX XXXX - Equifax reporting agency is reporting that this account was late. This account was never later. Please have them remove late status from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: WESTERN UNION COMPANY, THE
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Western union charged at XXXX {$3500.00} XXXX XXXX 2020. 
If I contacted Western Union, they can not find that transaction. I didn't do this transaction at all!

WU refuses me refund and said to contact my bank which I did. Bank said contact WU.

None of these institutions is responsible for refund charging me {$3500.00}!

WU can not see that transaction in their system! They asked me for proof of charge that amount, because they can not find that transaction in their system! Obviousely I have sent details about the transaction at XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reason to believe that my credit report has been affected by identity thieves. I have always maintained agood credit score and have never experience any problems obtaining credit until recently when I checked my credit report. There are few items reporting that belong to someone else.

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