BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
All of my Capital one credit cards and bank accounts were closed. The bank gave me no warning or explanation. I called Capital one and was told that they do not have access to the information as to why this has happened. I have no pending legal cases, credit score is good and my taxes are paid. This has caused great concern for me because i do not know what has caused this. This is very scary that a bank would do this with no explanation and leave me without access to my money or credit. I understand a bank can exercise their right to close an account but to not give a customer a warning so they can get ready to be without access to their credit and money is unacceptable. I need to know why this has happened so i can determine if this is even based on accurate information. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: GREAT LAKES
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I attended XXXX for 2 years. They had referred me to XXXX XXXX XXXX for my student loans. I am at {$28000.00} in debt since XX/XX/XXXX. I am in deferment until XX/XX/XXXX. Interest is accruing at $ 700+ a month. HOW THE XXXX CAN I EVER PAY THAT BACK!? I could go and get a XXXX degree for XXXX XXXX and XXXX XXXX for less than {$6000.00}. I was absolutely taken advantage of under their predatory loans.. What can I do about it now? Kiss my chances at ever being financed for a home or car goodbye the rest of my life?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Kriya Capital, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never done any buisness with Credence Resource Management whatsoever no verbal or written agreement they have been calling me non stop after I have disputed this false debt twice and no verification was ever provided they are violating my rights under the FCRA I have a right to privacy and fair credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30
Company: American First Finance, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
The loan was taken out on XX/XX/2021 in the amount of {$1800.00} with American First Finance. THe loan was presented to me as a no interest loan for XXXX installments. i set an amount to be paid for XXXX the amount for each installment.We asked about a XXXX debt amount listed in the contract and it was explained that as long as we pay the amount in the XXXX installments we would not be charged. We did not recieve a statement and had to go to the website and request a list of transactions to find that a " Rent '' fee mate up {$98.00} of the charge. The word " rent '' does appear in the contract but does not display an amount to be charges. THis is clearly a hidden fee. We now have been charged the full amount of {$7100.00} on a {$1800.00} loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-12
Company: GreenSky, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Greensky keeps harassing me, although I told them to stop contacting me. I've had to block their calls and they keep sending me mail although I asked them 2 months ago to charge off my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/XXXX, a transaction of mines was not approved so I called AMEX immediately to inquire why. They tried to lie repeatedly and said I had a return payment on my XXXX XXXX XXXX XXXX  of {$35.00} which was an absolute lie. I even called their bluff and had them 3 way call my bank the payment came from and the bank confirmed the payment came out on their end on the scheduled date of the payment. Showing there was an issue on their systems end! Instead they denied my credit limit increase citing the fake return payment excuse that was confirmed on their recorded line to be inaccurate. Ive been with American Express since 2018 with 6 cards, 3 high yield savings account and a rewards checking account plus a personal loan. Never late or returned payment now theyre trying to stick a fraudulent one on me to deny my credit limit increase!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Portfolio recovery assets threatened me in XXXX of 2019 to adversely effect my credit with putting false info on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Our Company purchased a truck financed through Bank of America in 2019. I am the personal guarantor on the company loan. The vehicle was supposed to be on auto pay from the time of purchase. On XX/XX/2019 the loan was reported as past due and missing payments. Neither My self personaly or the company controller was notified by B of A of the delinquent payments or that the vehicle was not on auto pay prior to the report being filed. I met with our small business banker XX/XX/XXXX after getting the loan paid current to get the auto pay issue resolved. After the meeting our banker emailed me stating the auto pay was in process and the derogatory remarks were being removed. This email was backed up by a call on a recored line in which our banker stated that the issues resulting in the negative reporting were a bank error and should be removed. As of today XX/XX/XXXX the auto loan is still not set up for auto pay and B of A is refusing to correct the credit report. The emails and calls were corroborated by our small business banker to the escalation department at bank of America.

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 2017-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 started contacting them in  XXXX  concerning an entry of a bankruptcy. i sent a letter to clerk of courts office and was sent a letter saying this information belongs to someone else.transunion stated they used a third party to verify information but my report has security freezes on them.so they are being untruthful and is only suppose to take 30 days to investigate and it is way beyond that time.

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 2022-01-05
Company: WELLS FARGO & COMPANY
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was a victim of a XXXX scam and am now out {$2000.00} because Wells Fargo is REFUSING to help me. Therefore I am opening yet ANOTHER complaint against them since they have denied my 2 claims : XXXX and XXXX stating the XXXX transactions were processed as requested which is not true because I was SCAMMED by an imposter claiming to be a Wells Fargo employee and even calling me from the Wells Fargo customer service number. Here is the story : On Tuesday, XX/XX/XXXX at XXXXXXXX XXXX  I received a text message from Wells Fargo fraud alerts asking if I attempted a {$2000.00} XXXX transfer. I immediately responded No ( see attached image ). Seconds later at XXXX XXXX I received a call from XXXX, which is Wells Faro customer service, so I immediately answered ( see attached call log ). The man stated he was calling from WF fraud prevention on a recorded line, sounded very legit. ( I can't remember his first name but his last name was XXXX ) He there was an attempted {$2000.00} XXXX transfer to an XXXX XXXX. I said I had no idea who that was and did not authorize nor complete that transfer. He said to reverse it I had to add myself as a recipient on XXXX with MY name and MY phone number and redo the attempted transactions. He had me send myself {$1000.00}, than {$1000.00} again. Than the call dropped. Immediately I received 2 text messages from XXXX XXXX stating XXXX XXXX sent you money ( see attached image ). I immediately called Wells Fargo at the same # that called me initially XXXX and filed a fraud claim realized I had been scammed. I was sick to my stomach. Wells Fargo has since denied my claims. They told me these were " authorized '' transactions and not fraud which is 100 % false. 

After Wells Fargo has been refusing to help me and doing much research and talking with MANY colleagues I have learned that Federal Law does protect victims of this type of scam. These kind of fraudulent transactions are covered by Regulation E, and consumers SHOULD be getting refunds. Regulation E is part of the federal Electronic Fund Transfer Act which REQUIRES banks to refund consumers for fraudulent transactions on their accounts. The CFPB put out a directive in XXXX stating the law applies " IF a third party fraudulently induces a consumer into sharing account access information ''. This is when someone tricks you, WHICH IS WHAT HAPPENED TO ME. So the whole idea that treachery is involved should me I AM protected by Regulation E. 
XXXX XXXX XXXX XXXXefunded their consumers who were tricked into transferring their funds by XXXX scams so WHY CAN'T WELLS FARGO DO THE SAME??? 

I have filed a police report and WILL take legal action if Wells Fargo can't step up to protect and help an innocent consumer.

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 2018-04-20
Company: SYNCHRONY FINANCIAL
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I opened a credit card account through the department store XXXX XXXX in XX/XX/XXXX. I had made a one time purchase when opening my account at the store and was told that I would be receiving a card as well as statements in the mail for billing purposes within a few weeks. As weeks went on, I received nothing in the mail and continued to wait with no luck. When I finally got a call from XXXX XXXX requesting payment on XX/XX/XXXX, I explained my situation that I still have yet to receive my credit card as well as any statements. I expressed my concern in regards to never receiving a card, but would be happy to make a payment over the phone. Whomever I spoke with apologized for the mix up, verified my address and said they would send out another card. After a few months with no statements or card in the mail, I receive another call from XXXX XXXX on XX/XX/XXXX requesting payment. Once again, I explain my situation to the representative that on numerous occasions I requested a physical card and statements and never got anything. I paid the remaining balance on my card and was told one again, that a new card was being sent. As of XX/XX/XXXX, I officially obtained a physical card and was able to activate it online. 

I am in the process of applying for a mortgage for my first home. My credit was pulled on XX/XX/XXXX, which showed that I had a derogatory mark on my credit from XXXX XXXX in XX/XX/XXXX. I called XXXX XXXX that day to dispute and explain my situation, and was told by a representative that she had handled the situation and that the derogatory mark was being removed from my credit report. I was also told that a letter stating action had been taken to remove the mark would be sent in the mail within 7-10 days for me to show my mortgage broker in regards to a rescore to secure my mortgage. I have followed up many times after XX/XX/XXXX, with confirmation that the letter was still in the process of being sent out.

On XXXXXX/XX/XXXX, a letter was received but had no indication that any action was taken place in regards to removing the derogatory mark. 

I called XXXX XXXX once again on XX/XX/XXXX expressing my concerns and was told that whomever I initially spoke to, misinformed me of what she actually did and nothing had been removed from my credit.

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 2021-10-27
Company: Zillow Group Inc.
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Zillow provides an automated rate table quoting system that allows consumers to instantly receive rate quotes based upon the scenario they enter that Zillow then rank orders on the page by APR. 

Zillow is aware and has been for many months that some lenders are gaming the system by reporting inaccurate APR 's on VA loans for the purpose of appearing at the top of the rank ordered lenders, when the APR quoted is not valid. This harms veterans applying for VA loans by falsely leading them to believe that the lender at the top of the page is the best offer when they clearly are not. 

The page view I am attaching shows five lenders quoting a 2.250 % VA 30-year fixed mortgage offering. The three lenders at the bottom of the page quoting a 2.421 % are accurate. The two above them showing a 2.410 % APR and a 2.420 % APR are not. 

You don't need to be an APR rocket scientist to understand a 2.250 % rate with {$520.00} in APR related origination fees in addition to the VA funding fee can not have an APR that is lower than a 2.250 % rate with {$0.00} APR related fee or a lender credit other than VA funding fee.

I brought this to Zillow 's attention months ago and have followed up with them since I first notified them that they were allowing false APR 's to be quoted by lenders to game their system and they have not addressed the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
An account was opend on XXXX with XXXX XXXX which I did not open. 

All inquires made by XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX was not made by me ( 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 2021-05-02
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Follow up from the previous two ( 2 ) complaints that were closed, without my issue being addressed correctly. 

case # XXXX and case # XXXX Affidavit of Truth and Notice of Default and Opportunity to Cure has been sent. XX/XX/2021 & XX/XX/2021. 

The Affidavits and Notices have been ignored and/or responded to incorrectly. The responses from your company also clearly show that my rights have me violated under the FDCPA Laws. 

You can not validate a debt. 15 USC 1692g.

You can not state that I owe your company anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I recently submitted complaint XXXX regarding my Wells Fargo mortgage XXXX The information that Wells Fargo is providing is incorrect. I was never 13 months past due with my payments. Wells Fargo forced me in a modification while in a XXXX  XXXX bankruptcy. Well Fargo has not provided any proof that I was facing forclosure. I have records of all payment transactions made via my trustee and prior to my bankruptcy. Wells Fargo and stating the issie is with HUD and myself. In fact all documents submitted was from Wells Fargo not HUD.

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 2021-05-02
Company: Self Financial Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
I began Self in XXXX of 2020 in hopes of getting some extra points on my young credit score. 
My issues with this company began in XXXX of 2020 when I qualified for the Self secured card. 
I had issues receiving the card, and to this day have been sent 3 cards that magically ran into technical difficulties when trying to activate. 
There is no representatives available to speak to and after verifying my d.o.b, I encountered more technical difficulties and was immediately released from the call. 
I have several emails on record of me constantly getting automated messages in response to genuine concerns I have about the legitimacy of this company. 
None of my payments process on time and I keep getting {$15.00} late fees and this is even when I post my payments 4 days ahead of time ... I dont feel so good about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: EQUIFAX, INC.
State: IN
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:
My name is XXXX XXXX and I am a member of the XXXX XXXX XXXXXXXX. Between XXXX and XXXX my identity was compromised and several accounts were fraudulently opened in my name. I have included the accounts below as well as attached the identity report from the Fair Trade Commission. I am requesting that Equifax immediately remove the following accounts below as they are impacting my credit negatively. 

. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX ( XXXX XXXX & XXXX ). XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have contac t Hunter Warfield and ask that they stop contacting me. I never had contract with them. I have never signed a contract with Hunter Warefield.  I 've never gotten a solution other than continue harassing phone calls from some rude guy.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX which I hold no contract with nor have received services from, reported a charge off against my SSN in the amount of {$10.00}, XXXX with Experian, XXXX  and XXXX credit reporting agencies. I requested verification of the debt and account however XXXX failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged 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 2018-10-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Over the past 12 months, I have attempted to access my XXXX  credit score via the XXXX XXXX service offered to Chase customers and via XXXX However, I have been unable to access my information. I have contacted XXXX and Chase about this several times to no avail. My last communication with XXXX on the matter ended with the phone agent telling me that I can not get a credit report from XXXX because I have an ITIN instead of an SSN. However, having one of the 3 major credit bureaus NOT report my credit, severely impacts my overall credit history and opportunities with financial companies. Today ( XX/XX/2018 ) I have called XXXX 7 times and Chase once on this matter already. 



Furthermore, recently I applied for a new Chase credit card and I was offered a credit card by having my credit limit reduced on another credit card I had with them. This makes me believe that Chase can not properly obtain my credit report information from XXXX ( Chase uses XXXX ) as XXXX and XXXX XXXX have given me quite good credit cards based on FICO scores of 750+ reported by either XXXX or XXXX XXXX XXXX 

Therefore, I would like for this matter to be looked at as I believe XXXX is not properly reporting my information because I have an ITIN which is having a negative impact on my financial history.

Company response to consumer: Closed with explanation