BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I did the wire transfer from XXXX and XXXX to XXXX HSBC bank and XXXX XXXX XXXX which is the fraud scammer s account from XXXX to XX/XX/XXXX .After did the wire I just knew that is a big big romantic scam are happening all of the world now, They are the illegal money washer account used by the fraud scammer all the time, so I ask the HSBC and XXXXXX/XX/XXXX to responsible it and pay me back. The wire Luring money totall is $ XXXXus dollars which are I borrowed from my friend and families. I dont know how to be lifing now, please help me to investigate these two illegal Accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT
Product: Credit card
Issue: Advertising and marketing

Complaint:
I was coerced by Capital One to switch my free account to a fee account. I was told because I was a long term customer there would be no fee. Now {$60.00} fee.now have to cancel. They say I have XXXX accounts not XXXX,. Penalized now for cancelling account. Would not bend when called. They are a terrible company. Also kept raising interest fee for no reason. Have excellent credit. It is usury. Keep your wallet closed for this company

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
I have been grossly overcharged with monthly late fees unsubstantiated. I opened an account with Kohls Dept. Store in XX/XX/2015. I purchased {$280.00} total! I made payments of {$390.00} overpayed by {$110.00} based on purchases. In addition to the payments including interest, I was overcharged every statement with late fees, unjust. I have been scammed by Kohls in the amount of {$440.00}. I want and demand a refund of the erroneous charges for the past year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-04
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: Was not notified of investigation status or results

Complaint:
I have disputed these items on several occasions and no one at any of these credit bureaus are responding back and they can no longer say that they are short staffed. Please have these credit bureaus to do their job and have these derogatory items deleted immediately.. This has caused me not to be approved for my mortgage. 

XXXX  XXXXUnverified account- Delete immediately XXXX XXXX  XXXX Unverified account- Delete immediately XXXX- XXXX-Unverified Account- Delete immediately XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Texas XXXX XX/XX/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 2021-09-25
Company: HCFS Healthcare Financial Services of TeamHealth
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: Account status incorrect

Complaint:
To whom this may concern, I want to inform your office that you are in violation of FCRA and FDCPA. You have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me i have no knowledge of them, be advise by law i have the right to PRIVACY and you the credit reporting agencies have violated it. The list of accused collections accounts. FOLLOW AS : XXXX XXXX XXXX XXXX XXXX, ARS, and XXXX XXXX. BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter

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 2022-10-02
Company: First Federal Credit Control, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Wrote many letters to company to resolve/ dispute/ removal from credit report. This is a direct violation of HIPPA. They have sent itemized statements of my private procedures

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I dispute the validity of this debt. 
I do not believe I owe this debt for the following reason : The debt is too old and may be time barred. There has been no activity on this debt since 2007. 
I request written verification of this debt in the following form:1. I request the date of the last payment made on this debt. 
2. I request any and all information pertaining to this debt including date of agreement. 
Until such verification is received you may not contact me in any form.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/XXXX I submitted a complaint to the XXXX and it was a reference to inquiries that have been reported on my credit report in accurately as well as accounts that are negatively impacting my credit profile. There are over XXXX to XXXX inquiries that have been reported to my credit profile that needs to be removed. I have submitted multiple complaints to all credit bureaus, and the situation seems to not be resolved. This is unfairly affecting me and my financials credit score and needs to be resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: AR Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX, 2016 I was mailed a request for payment from this collection agency. On XXXX XXXX, 2016 I responded disputing the debt and asking for validation. Thirty ( 30 ) days later I had not received a reply from the company. On XXXX XXXX I mailed them a letter per Texas Finance Code that the time to validate the debt had passed and they could no longer continue pursuing payment. On XXXX XXXX the account was placed on my credit report as a unpaid collection. This company has violated my rights under the FDCPA and the Texas Penal Code as they are illegally attempting to collect debt in Texas since they do not have a surety bond registered with the Secretary of the State. As the attached file shows along with fax info this company has received info informing them of my dispute yet they placed the erroneous info on my report anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: Jim Bottin Enterprises, Inc
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original creditor is workout anytime XXXX for a balance of XXXX. My final balance was as follows per an email to me on XXXX/XXXX/2016 : Contract payment {$45.00} Late/Service fees Cancellation fee Total Due to Cancel {$45.00} Cancel date XXXX/XXXX/16 The payment was to be drafted from my checking account which is active to date. I am not sure why it was not nor was I contacted regarding any issues. I had no idea this was a problem until I received a collection letter from Seas and Associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX I went into my bank to close my checking account and withdraw my existing funds. I was told that my account was on hold due to inactivity. This statement in and of itself didn't make a whole lot of sense. I hadn't used this account much over the years but my last transaction had been in XXXX of 2022. I was told that I needed to make some sort of deposit and that would unlock my account. I deposited XXXX dollar in cash. From there I was told by the personal banker that they were unable to issue me a cashiers check as there was a pending transaction. Once the transaction cleared they would mail me a check. A week and a day went by, no check in the mail. I went into the branch and requested that they cut me a check and was told that the check was in the mail and that by policy they couldn't cut a check unless 15 days had gone by. This is a ridiculous way to treat a customer of over 10 years who has never missed a payment on his mortgage or caused any issue.

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 2016-07-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Trying to get mortgage assistance. I have a XXXX and XXXX degree and a XXXX XXXX XXXX. I spent 12 years in XXXX and consider myself an expert. I can not imagine a person without my background working with these people. I am doing this for the greater good. For example, they asked for a Profit and Loss statement because I am self-employed. I prepared it and sent it. I called to follow up and they asked me why my Profit and Loss statement was negative. I said it was negative because it was a loss. They asked why I sent it in then.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On or around XXXX XXXX, 2016 I received a letter from XXXX XXXX XXXX ( my mortgage servicer at the time ) stating that my loan would be transferred to SLS on XXXX XXXX, 2016 and I would receive information about my new loan number, accounting details and mortgage coupons. On or around XXXX XXXX, 2016 I received a letter from XXXX XXXX XXXX a foreclosing attorney dated XXXX/XXXX/2016 stating that SLS was going to foreclose on my home 19 days after the loan was allegedly transferred to XXXX. Which enlisted an amount of {$800000.00} which was a different payoff from the amount due prior to XXXX XXXX XXXX transfer of loan. I want proof that SLS is the current servicer of my loan. I want proof of accounting from SLS and XXXX. I want to know why I was denied the right to pay my loan, offered a loan mod, deed in lieu, or short sale prior to sending the loan into foreclosure as required by law. Especially when your loan was transferred to a new servicer and sent into foreclosure less then 30 days from the alleged transfer. I want XXXX and SLS to cease debt collection practices until they can prove that SLS is the actual and current servicer, accounting details, a mortgage coupon, current pay off and payment options as required by 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 2022-11-18
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2016-02-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Have been trying to modify for the last three years. Every time I try documents go missing and things are delayed. I 've been turned down a few times but am told that I may apply again for a different program. I 've been told that my principle would be dropped and many other things that were lies. When I was finally approved the conditions were outrageous. I just want a fare modification so I can get back on track. This company has been XXXX me around for years and I am suspicious of their accounting as well as far as my account goes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: Paypal Holdings, Inc
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have XXXX accounts with Paypal. XXXX of which had a negative balance as a result of a disputed transaction unrelated to PayPal directly. PayPal deducted funds from the account with a positive balance to satisfy the account with the negative balance. I have no issue with this. 
However, PayPal has refused to lift the hold on my account with the positive balance, only sending me canned responses to my demand that they lift the hold on my account. They are preventing me from accessing my funds. They keep asking I call them, however, I advised them that I do not wish to speak with them on the telephone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-25
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: U.S. BANCORP
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Where do i begin. 

I have a US bank secured card. I missed a payment because i was too focused on paying other bills. Mortgage, insurance, Etc. They apparently charged me a late fee. First of XXXX months ago. then a whopping XXXX. Now XXXX. The latest is not they charged me a XXXX late fee and then come telling me that they want a whopping XXXX minimum payment. When i called them to try to explain and ask them to waive the late fee, they come telling me that " it is not in their policy ''. I have never heard of such foolishness in my life. They expect to make a minimum payment of XXXX when my other cards have never asked for that much. I am not understanding this. US bank will not work with anyone and it is not fair. I am not going to postpone paying other bills just ot make their ridiculous minumum payment. Then they come telling me that the amount due includes a late fee. I have never in my life heard of a late fee of XXXX. I think that this bank is profiting off of these high interest rates making customers pay these outrageous fees. The worst part is, it is a securred card. meaning my money was put up as collaretral. I am not understanding this. I refuse to put off other expenses just to pay some mininum payment that is more than my unsecurred cards.

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 2022-11-18
Company: Randolph, Boyd, Cherry and Vaughan
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Previously made contact with the agency of Randolph , Boyd , Cherry & Vaughan ( XXXX ) XXXX ; informed them that the debt in which they were trying to obtain was 1 ) Discharged in a bankruptcy by XXXX XXXX XXXX that was under the name of XXXX XXXX ; who was my cosigner of the loan for XXXX XXXX XXXX. 2 ) Informed them that the debt is 5 years old and per Virginia law they have up to 5 years to pursue this debt. This company has use railroading tactics and put a freeze and garnishment on my account that completely wiped out my account. 3 ) They were informed that the car was auctioned off for majority of the account. And that XXXX XXXX XXXX most likely had been written the remainder of the debt off. I feel that the attempt made to recollect on this debt is unlawful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: Brelvis Consulting, LLC
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was solicited by a representative from The Student Loan Help Center, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX the representative solicited funds to help consolidate my student loans and I just recently was notified by the servicers of the loans and they are not consolidated and I have to pay more money to them than what was discussed by the representative at The Student Loan Help Center. I am paying XXXX organizations for my student loans which has placed me in a serious financial bind and my student loans are still not paid off or my payment is very high. 
This has caused severe financial hardship for my household as a single mother of XXXX. Please help me with this matter and the return of the charge of {$1200.00} that The Student Loan Help Center charged me for a service that I did not receive.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-24
Company: JPMORGAN CHASE & CO.
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I filed charging complaint against Chase Bank in Texas of XXXX, Extension XXXX that XXXX XXXX and I both unresolved problem XXXX XXXX PST, so I was unhappy with Chase Bank that Chase Bank Headquarters refused helped me today through telephone. I felt XXXX XXXX made discriminated against me as he or she told me that Chase Bank Headquarters refused helped me with opening bank account related with debit, checking, and Credit card applications. I can not alone with application for these banking services. I complained with XXXX do not interest in helping me with Chase Bank service. I must XXXX file extra charging complaints against XXXX XXXX XXXX made extra-neglected against me with deaf as she/he made her/his hatred against XXXX as i complained on XXXX acted in bad employee at Chase Headquarters as she/he rude against me as tell her/his employer must fired XXXX from job because of bad behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
I am trying to assume a loan in my name only. I was separated and later divorced. We purchased the investment property in XXXX. We separated in XXXX at which time I began to make all the loan payments Chase. In XXXX XXXX we divorced and I was awarded the house. In XXXX XXXX I made application with Chase to assume the loan. It is now XXXX XXXX and I am still trying to assume the loan. Each time I submit documentation, underwriting keeps asking for new pieces of information.

Company response to consumer: Closed with explanation