BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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 talked with Capital one on XX/XX/2020 about a Recurring charge ( XXXX  XXXX  {$510.00} ) to my account that I wanted removed. I am under contract with the merchant but want the merchant to bill me directly ( by mail ) instead of my credit card. after several attempts to contact merchant I called capital one to cancel the recurring charge. They asked me if I had talked the merchant but and I told them I can not get my agent with the merchant to respond. Capital one then told me that they can not stop recurring charges due to a recent new policy due to the corona virus. They explained that they are not stopping any recurring charges at the present time. I feel totally out of control of my own money here. Is this legal??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: DISCOVER BANK
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
So I changed from XXXX XXXX XXXX due to their customer service being XXXX and every other bank I dealt with having great customer service I went to my local credit union and opened two accounts with a check I received from a law suit settlement this is where things went wrong I did n't realize it at the time but because of the amount of the check the banks back office decided to close my accounts in the mean time I had logged into discover and made two payments in the amount of XXXX so XXXX ( 2 ) for a total of XXXX to my account the first one got returned and I panicked I called XXXX ( the credit union ) a rep named XXXX told me it was because I used the money market account ending in XXXX and that I could not use my money market account for ACH withdrawals during the first X amount of days which was okay with me so I went back on to discover and I scheduled the full XXXX to come out of the checking account ending it XXXX because for whatever reason XXXX could n't see that my account was being closed by the back office team at this time and I scheduled my regular XXXX payment that was due from my XXXX XXXX account two weeks go by, I receive a certified letter with the check enclosed informing me my accounts are being closed and they do not wish to do business with me so I rush to XXXX deposit the check and talk to a manager they ca n't do anything for me about the " hold '' on a check for this amount so I call discover and the rep tells me as long as I pay the full XXXX as soon as it clears and make good on the payment everything will be fine. So I do exactly that. Not even a week after I have made good on the errors caused by my account being closed by the credit union discover closes my account and tells me there is n't anything they can do unless XXXX XXXX will admit it is their mistake the problem is XXXX does n't see it as a mistake they blatantly have told me they do n't wish to help me with this issue and have told the one manager who was willing to help me not to assist me any further and gone as far as denying he works there when they called his branch. The point is yes the payment may have been returned due to the account being closed but as soon as I got the check cleared into another bank I gave them the exact same amount of money and still made my regular payment on top of that its not like I was trying to run any type of scam on them. 

My mom also believes her account with them may have been closed for this which would n't make sense considering she 's had it for years and pays her bills better than I do. 

Screenshot shows recent payments you can see the two XXXX payments that get returned the XXXX from XXXX where I thought it was due to XXXX being money market then me fixing it from XXXX on XXXX and you can see that one was NOT returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX was stolen from me in XX/XX/2020 used on 3 atms gas stations a bar it was 9 transactions that wells fargo didnt place a hola atext a call wondering if it was me or not, i tried to resolve issue with them stating it wasnt me i had lost my card and noticed in the XXXX called right away representative reassured me " dont worry i see all these transactions in the matter of 2-3 hours youll get your money back " so fraud department had to do investigation which i was fine with and stated since the person used my pin they couldnt help me, i stated what are you talking about arent i insured?? so therefore they told me i had to go to police and do a report which i did and have and called them with the report number, the man who took my report and gave the transactions to stated the bank should give me back money knowing how much fraud is going on ..im still awaiting on bank and am still behind in my rent due to banks error!!! shame on you WELLS FARGO ffor making me endure this over a year,

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 2015-05-08
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX, XXXX acct # XXXXI am XXXX XXXX and I have Ocwen Loans as my mortgage ( NOT MY ORIGINAL LENDER, GMAC SOLD MY CASE TO OCWEN ) I was XXXX from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX 9 months ) and according the SCRA act a soldier XXXX over 30 days can only be charged a maximum interest of 6 %. I was charged my usual high interest rate 6.87 %. It also states the 6 % interest rate must remain in effect one whole year after the soldier return home ( back stateside ). So I should actual should have been only charged 6 % interest from XXXX XXXX to XXXX XXXX ( 21 months after you add the additional year ). I want a refund from Ocwen for funds I over paid them during this time frame. Please contact me if you have any questions XXXX XXXX XXXX ( XXXX ). I included the SCRA regulation page along with the orders to prove my deployment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: TD BANK US HOLDING COMPANY
State: VT
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I am refinancing my zero balance Home Equity Line of Credit loan to another lender and am being told that I will be assessed an early termination fee of {$450.00}. The Line of credit agreement and disclosure statement reads as follows under Early Termination Fee : " The lesser of {$450.00} or 2 % of the amount prepaid if I close my account before the second anniversary of the date that my account is opened. '' The math is pretty simply that 2 % of a XXXX balance is a XXXX dollar fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I have disputed and submitted a complaint about the bureaus not investigating an account with XXXX XXXX XXXX that is reporting a balance when there is no money owed to this company. I have attached proof since apparently the bureaus can do what they wish and not investigate when requested, regardless of what the FCRA indicates.

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 2017-05-23
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent debt validation letters and never received validation of debt.

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 2016-06-28
Company: CONTRACT CALLERS INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This usurper company has been harassing me about a debt that I do not owe. They keep calling and after I give them my name and date of birth, will not give me full disclosure and did not read to me the mini miranda as required through the FDCPA for the state or federal. They have obtain my private information without my express consent or authorized signature and are scaring me

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 2021-09-28
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My XXXX Credit Report is reporting multiple fraudulent inquiries. 
XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is a sworn affidavit of truth that companies herein have written off these debt with the irs for tax credit benefits therefore I demand tge immediate issue of irs form 1099 c and the immediate removal of these accounts from my consumer report failure to meet demand within 15 calander days will result in legal protection for all legal violations

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 2021-09-28
Company: EQUIFAX, INC.
State: GA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXXXXXX  Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: Frontline Asset Strategies, LLC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Frontline Asset Strategies is trying to collect a debt in the amount of {$1000.00} from me from XXXX XXXX. I received this letter today. I don't know what this is for, I was never contacted about this before, I never owed anything, never had a judgment. I can only assume this is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I needed a credit report for a state bar application and I chose Experian. Their records were not current in some instances and so I submitted a dispute. This was resolved but the closure dates on XXXX accounts changed from the original date that each creditor had on record to the date of the dispute. I filed a second dispute to correct this issue and the dates merely changed to the date of the new dispute and did not reflect the original date of closure. For XXXX days from XXXX to XXXX I called Experian and the XXXX card companies getting conflicting information and endless blame shifting and stone-walling to correct a simple record-keeping error. The credit card companies also informed me that disputing inaccurate information would harm my appearance of creditworthiness! Experian refused to consider that both XXXX and XXXX had the correct dates and that the card companies had never changed these dates and had consistently reported the correct and original date of closure in all three instances. The changes were happening only at Experian and they gave me conflicting procedures on how to 'change the date back to the original date, ' a problem that only ever existed in their system. The card companies happily offered to send letters to me with the original dates, but could not send an update to Experian because their own records already reflected that they had sent the proper updates, including the original closure dates. There was no change to be made 'in fact ' only in the record keeping of this one reporting agency. Each time I spoke with Experian the procedure for fixing the issue changed. I only wanted accuracy and honesty for the benefit of my bar application. Little did I know I was harming my credit by filing disputes on long since closed and good credit accounts. This is an ongoing Orwellian nightmare, and if it is not soon resolved it may harm my bar application process!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
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 am XXXX XXXX XXXX and Im submitting this complaint myself and there is no third party involved. Due to XXXX being a XXXX XXXX XXXX and collecting fees for reporting information on consumers, they are not exercising their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 15 USC 1681 c-2 states that a XXXX XXXX XXXX XXXX XXXX the reporting of any information in the file of a consumer that the identifies as information that resulted from identity theft, no later than 4 business days after receipt of the following : 1. Appropriate proof of identity to the consumer ; 2.The identification of such information by the consumer ; and 3. A statement by the consumer that the information is not information relating to any transaction by the consumer. It is now XX/XX/2022 and XXXX has yet to place a block on all information resulting from identity theft. 15 USC 1681 ( b ) states that consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce and consumer credit in a manner that is fair and equitable to the consumer, with regards to confidentiality, accuracy, relevancy, and proper utilization of such information. If XXXX allows its business partnerships with these organizations to continue to violate my federally protected consumer rights, they will be liable to me for the stress, anxiety, sleeplessness, and any other actual damages caused as a result of the failure.

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 2016-08-30
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are requested to " promptly delete all information which can not be verified 'that I have disputed. Please resolve the manner as soon as possible. 
The Credit Bureau failed to provide me with a proper investigation as well as provide me physical proof that the accounts I disputed was my accounts. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all information which can not be verified.

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 2017-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit card
Issue: APR or interest rate

Complaint:
I made a balance transfer awhile back for a 0.0 % interest rate until XX/XX/XXXX with Bank of America. I owe {$7700.00} of XXXX on it. I have not used it for purchases for many years. I 've made payments by auto-deduction from BoA. I was stuck at the last minute for a business trip and bought an airline ticket, XX/XX/XXXX. As soon as I was reimbursed, I paid it to the credit card. Since then, I kept having missed payments, and the minimum payment was always very different. Today I made another call to them, and was told I have 10.49 % interest on my airline ticket purchase. I said I thought the payments went to the highest interest rates first. He told me since the government has changed the credit card regulations ( or something like that ) the opposite was true. Is this true?

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 2016-05-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX is reporting a collection account on my experian credit report this account does not belong to me it is fraudulent someone has been using identity for the past 10 months and I have been a victim of identity theft

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 2016-02-06
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Has listed used name as : XXXX XXXX XXXX. 
I have never used this name

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have reached out to experian and asked to speak to a special handling agent on multiple times. The overseas reps have continues to decline to permit me to speak to someone in america. I have informed them that i had a ftc id theft report and that there were inquiries on my account that needed to be removed. I have reached out to the companies directly and they claim that it has been validated even with the report. the agents of experian have been rude and have swore at me and told me to go to court if i was unhappy with the results as they will not help me at all and hung up on me 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 non-monetary relief
Consumer complaint received 2017-11-24
Company: Armor Systems Corporation
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Armor Systems Corporation sent notice to me on XX/XX/XXXX that a debt for an unpaid ticket issued by the XXXX Police Department had been assigned to them and they were attempting to collect. They did not advise what this debt was about. I had to research the debt with the help of the XXXX Police Department, which revealed that this debt was for a XXXX XXXX XXXX that is owned by an ex-girlfriend. I had completed the paperwork months before this to take my name off this vehicles title and registration. Notice of this debt triggered legal action against my ex to rectify the title and registration issues. My ex confirmed that this was her debt and that she had contacted Armor Systems Corporation to both pay and reassign the debt to her. Meanwhile, onXX/XX/XXXX, I sent a certified letter advising I was formally disputing the debt and requesting a formal response within 15 business days of my letter. Armor Systems Corporation did not respond to this dispute and did not reassign the debt. They sent notification on XX/XX/XXXX that the debt was paid. They have not provided any rectification for the assignment of the debt to me or even a response to my dispute.

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