BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-26
Company: Early Warning Services, LLC
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 is aware that I am a victim of Identity Theft, yet they still have not removed this incorrect information from my report. They also have not provided any validation documentation for the following information : XXXX XXXX XXXX XXXX  Early Warning Services is reporting both XXXX XXXX, and XXXX XXXX XXXX XXXX on my consumer report. Despite numerous attempts to have this INCORRECT information removed, it is still being reported. With this incorrect information being reported, I am unable to obtain any membership through my local credit union.It is highly ILLEGAL to report incorrect information. With this false information reporting not only does it violate my consumer rights, but it damages my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: EQUIFAX, INC.
State: IL
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:
Good DayMy Identity Has been stolen, and somebody tried to open a Bank accounts, Credit Cards in my name, when i submitted Dispute to credit bueraus they are refusing to delete that errors from my fileBELOW GIVEN THE NAMES OF FINANCIAL INSTITUTIONS WHICH ARE ON MY CREDIT FILE AND THEY ARE FRAUDELENTLY OPEN UNDER MY NAME!!!1)  XXXX XXXX XXXX XXXX XXXX  - Date reprted XX/XX/XXXX2) XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX3) XXXX XXXX  XX/XX/XXXX4)  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX5)  XXXX XX/XX/XXXX 6)  XXXX XXXX XXXX XX/XX/XXXX7)  XXXX XXXX XXXX  XX/XX/XXXX8)  XXXX XXXX XXXX  XX/XX/XXXX9) XXXX XXXX XXXX  XX/XX/XXXX10) XXXX XXXX  XX/XX/XXXX11)  XXXX XXXX/XXXX XXXX XX/XX/XXXX12) XXXX XXXX XXXX  XX/XX/XXXX13) XXXX XX/XX/XXXX14)  XXXX/XXXX  XX/XX/XXXX15) XXXX XXXX., XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Just to let you know, I just graduated XXXX XXXX XX/XX/XXXX. I recently joined the XXXX XXXX XXXX. The checking account with USAA is my first checking account. Before I left for XXXX XXXX on XX/XX/XXXX, I had my mom added to my checking account so she could take care of bills while I was in XXXX XXXX. She wrote me and asked me about some charges and I wrote her back and asked her to check on them. Then I tried to buy some deodorant and stuff on post and my card was declined. I hurt myself and was able to get a phone privilege to let my mom know I may be recycled due to injury and that I could n't ' t use my card. She told me she called USAA and asked about the charges, and told them I was in XXXX and was n't able to keep calling and stuff to USAA and to not cancel my card til I graduate from XXXX, but USAA cancelled it anyway. They did n't send a replacement card. USAA just left me hanging. My mom read me the letter they sent to the house and it was generic and did n't say nothing bout my card being cancelled or suspended or whatever it was. Then I had to finally call USAA and it was the worst experience that I have ever had. USAA is not a bank for military families. USAA needs to have a better way to help members when they are in XXXX XXXX where communication is restricted. I requested that they send me a card to the XXXX  overnight. USAA said they could n't do overnight. So, I 'm already having a hard time adjusting to XXXX XXXX, home sick, injured, and USAA leaves me stranded with no access to my money. There 's a difference between trying to protect privacy and being uncooperative and unreasonable. At this point USAA is being unreasonable. I even uploaded a copy of the orders I received XX/XX/XXXX, so they see where I am.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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: Problem with personal statement of dispute

Complaint:
I have a tax lien still reporting on my credit! the tax lien was paid in full in XXXX, but never filed with the courts cause irs was unable to provide me a copy of the lien release but cause of the age of the account, but that I would be able to get it from the court house which XXXX county could not provide! so this paid debt sits on my credit report and every time I dispute them they are always validated! because I do n't have forms to file at the courthouse! ref number XXXX DATE FILED XX/XX/XXXX Status Filed Amount {$1900.00} Classification Lien Type State Tax Lien

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 2022-06-11
Company: Mr. Cooper Group Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had submitted a previous complaint # XXXX that was not solved properly. The numbers that Mr. Cooper has given me in a letter regarding the value of my home are bogus numbers. I had spoken with a XXXX XXXX at Mr. Cooper who said that the XXXX on my home was {$320000.00} which is exactly 80 % of my balance of my mortgage. I told her that the PMI should be cancelled and she agreed with me. The conversation was also recorded so I would like for that to be heard. Mr. Cooper keeps changing the amounts that I need to get an appraisal on my property when I do not need one. They are also stating that my home has lost more that {$80000.00} in value since I bought it. The real estate market is not going down it is going up. This company is using practices that go against the Federal Homeowners Protection Act that I should be protected under.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
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:
XX/XX/2021 through XX/XX/2021 there were fraudulent unauthorized charges on my Golden 1 credit card. I took action by disputing the charges and filing a police report. The companies fraud department changed their story multiple times and unfairly denied my claims taking zero action. Although the Golden 1 website states members have zero liability with unauthorized fraudulent charges. They have now canceled my account due to my multiple attempts to dispute these unfair and unjust denials.

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 2018-02-12
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I did contact Compass Bank to inquire about how to get back my personal property after a repossession of my car. I was not provided any information on doing so. I had a pair of eyeglasses and a prescription medication left in the car. In response to a previous complaint that I had made. Compass Bank had denied me any compensation or forms of reimbursement. They had stated that in the vehicle report there was no personal property in photographs that were taken of the car. The eyeglasses and prescription medication was located in the consoled of the vehicle. In the report that Compass Bank had sent via the CFPB website there were not photos taken of the consoled. By law a company can not keep or discard eyeglasses or prescription medication. They could have simply sent my property through US Mail but they did not

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX is appearing on my account with an account from XXXX. Please verify this debt, as it has appeared on my credit account 3 different times under different creditors. This account was paid in full to the original credit XXXX  due to return equipment in the winter of 2019. This is an attempt by a company without any access to pay them.

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 2020-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Due to dissatisfaction with CAPITAL ONE 's ( the bank ) business practices, I closed a secured credit account in third week of XXXX. I was told that the business cycle had just ended and deposit would require an additional month to be refunded via PAPER CHECK. I was also told that my deposit had earned XXXX interest while it was in the possession of the bank. 

The credit statement ending XXXX XX/XX/2019 shows the refund was issued on XXXX XXXX. The holiday season came and went ; still no refund received via mail. 

On today ( XXXX ) I called to inquire to the status of my refund and was not given a satisfactory reply. I feel that is is unreasonable and abusive for the security deposit to earn XXXX interest, and for a simple deposit refund to require 6-plus weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Credit report shows a {$210.00} delinquent account on a JPMCB. I am NOT aware of this debt. Credit report shows it just appeared on my credit report XX/XX/19. If I had a delinquent debt, why havent I gotten a bill from whom ever this creditor is so I could pay it. I paid off all my debts after XX/XX/2019 after selling my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Chase moves the debits around when your account has a low balance and causes your account to overdraft. Then they charge an overdrsft fee for each. My account had a balance of {$19.00} on XX/XX/XXXX. One item of {$39.00} was debited to my account. All the items that had been paid were shuffled around and they were able to come up with three items within that {$39.00} range that the could charge fees on. This happens all the time. This is my third complaint about this practice at Chase. If the overdraft fee is bal is I dont have a problem paying it but they are manufacturing fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XXXX, I attempted to reload my American Express Serve Prepaid Checking Account and the card got Declined at 1 ) XXXX XXXX XXXX XXXX XXXX XXXX ( kiosk Machine XXXX, XXXX, and XXXX ). I thought it was someone who had hacked the Kiosk Machine ( again ) and chose to prevent me from paying with card. So, I called the XXXX XXXX ( XXXX ) XXXX and shared how someone hacked the Kiosk Machine and prevented me from reloading my XXXX Card ( {$1.00} ). This occurred around XXXX XXXX. EST. Then I arrived to XXXX XXXX, FL ; chose to pay for a Strawberry Milk Shake at the XXXX  located at : XXXX XXXX XXXX XXXX, XXXX, FL XXXX ; and my transaction kept saying DECLINED. I knew I had at least {$12.00} ( rounded off ) ; and it kept saying DECLINED over and over. So, I had to pay for the order in cash ( see image - {$2.00} ). Once I received the order, I called American Express Serve again, this time to speak to a Representative vs. hear my balance. XXXX answered the phone and said that a purchase of {$11.00} was used at XXXX ( yesterday XXXX ). This took place at a XXXX in XXXX, NY. It was in Pending status ; and that I have to wait 8 days for the Merchant to answer some questions. I told XXXX I want to DISPUTE the transaction. I twas not me. I did not shop at XXXX yesterday, XXXX. I only used my card TWICE yesterday, XXXX ; and therefore, since {$11.00} is STILL NOT in my account today, XXXX ; I am filing this CFPB complaint. 
In conclusion, please have {$11.00} credited back into my account. Make American Express Serve Department secure my account better and add my name back to the account the way it used to be. I am still who I say I am. I have not lost my identity, rights, or benefits in our country. I have my freedom 100 % ; and I don't understand how this really all happened. Perhaps your end does. I even emailed CFPB LAST night past XXXX XXXX. EST from my mobile phone ( XXXX ) XXXX ; and I still do not have the money in that account. Please have the online account fixed and the money placed back. It's a complete CRIME for anyone to steal that money and then say, " XXXX transaction. '' The last day I was in NY was on XXXX. I've been back in XXXX Florida since XXXX, and I have NOT left. Again, please have the money placed back in the account. Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited my financial aid reimbursement check, {$1300.00} onXX/XX/XXXX into my recently opened Capital One 360 account via their mobile application. The check was written out and sent to me onXX/XX/XXXX 
OnXX/XX/XXXXI get an email stating that I need to call CapitalOne360 to verify my recent account activities and that I had 10 business days to do so. That afternoon I call in and get through to their " security '' team. I was informed that there will be a hold on my account and was questioned about the check and if there was something wrong with it. I was unsure as to why or if there was a problem with the check. I told him I would have to get back to him on it. 
I called the financial aid advisors at my school and the institution ( Bank Mobile ) that they used to write out the checks. The college said they already sent the money to Bank Mobile and Bank Mobile said the check was cashed and processed. 
With this information, I tried to contact the " security '' team again at capital one on two separate days. 
XX/XX/XXXX, I would call in and not be able to reach the " security '' team, instead I was told by some intermediate team that I could leave a message and the " security '' team would contact me within two business days. 

XX/XX/XXXX, I would go to a physical branch of CapitalOne and see if someone there could help me with my situation. I was told by the teller their that they had no power to do so and recommended me to call CapitalOne360 again and tell them I was in an actual branch. I did so, and only got through to their intermediate team again and told to leave a message. I told the women that I had doe so the previous week, how I did not get contacted within 2 business, and that I was in a physically branch. She said she could n't help me anymore, and that I could either leave a message again or she could send an email to them and that I would get contacted within 24 hours. With no other options, I requested the email be sent. 
Later that day at home, I would shoot one more call at CapitalOne360 to get a definitive answer. This time a guy answers from the intermediate team, and he tells me that ( according to his limited notes from the " security '' team ) that, 1, account was placed on hold by the security team and he had no power in that action. 2, business relation is ending after everything is set and done. Once the check goes through, they would transfer that money to my account in another institution. 3, my funds would no be accessible to me/withdraw able by me. In response I ask him, " so how do it get my funds withdraw able? '' He tells me that he does not see a set of action for me to do to get my funds withdraw able. I respond " So did you guys just take my financial aid and that 's it? '' I receive an unclear response and he reiterated the that, according to his notes, the hold on my account was determined by the security team.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Firstly, I was part of a class action lawsuit against Toyota Motor Credit handled by the CFPB. I was co-buyer with my daughter of a used car from XXXX XXXX XXXX in XXXX, NJ. I did not know that I was the primary buyer at the time because I read and signed all documents on a small electronic screen. They told my daughter that she needed a co-signer and that was what I thought. I was aware that should she fail to pay her note that I would be responsible. The problem with that is she was the only one receiving the billing documents. At some point I did receive the calls that she was behind and I did make effort to catch her up. Her car ended up being repossessed. Sometime after, I received a letter that if I wanted the car I would need to have the total balance for the car plus added fees necessary for repo. There was no way I could come up with the amount asked for in that amount of time. 
Some time after, I received notice from the Superior Court of XXXX County to appear in court. I thought it was a scam at first, honestly because I did not receive a certified letter. 
Also, had I gone into arbitration, I would have given up my right to be part of the class action law suit according to my contract with them that is stated on page five of their contract ( included on last page of attachments ). That contract also states should I be part of a class action lawsuit against them It would void that contract. 
XXXX XXXX XXXX used unfair loan practices and Toyota Motor Credit is asking me to pay them. This repo is reflected on all three major credit reports as a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: GATEWAY FIRST BANK
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: Account status incorrect

Complaint:
On XXXX XXXX, I spoke with the loss mitigation specialist XXXX  regarding issue with my credit reporting. I told XXXX that Gateway was putting on my credit report that I had a Balloon on my Mortgage and the information was incorrect. I let XXXX know that My payments was deferred from Covid and the remark should be a deferment not a balloon if anything. XXXX let me know that a Balloon is kinda like a deferment and that is why it's on there. I begin to tell XXXX that this is false information because I do not have a balloon and you should not put something on someone credit report if that is not what it is and that is false information. She then let me know that this is the company 's policy. When I ask to speak to a supervisor she would not let me speak to her supervisor and told me she would put in a ticket for one to call me back because her department does not handle credit. A supervisor has still not call me back at this time to try to fix this issue. I have attached the deferment showing that this is not a balloon. Also Gateway should have report payments from XX/XX/XXXX - XX/XX/XXXX reflecting timely payments through forbearance which they did not report. page 5 of the forbearance agreement state that credit report will have this reflected and this was not done as well because there is no data reflecting for those months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A review of my credit report reveled a collection notice had been placed with the three credit reporting agencies by : Commonwealth Financial XXXX XXXX XXXX XXXX PA XXXX Due to a bill from : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX I have never had any contact, received a bill, phone call, or any correspondence with either of these companies. 
My health insurer is XXXX. The indicated that there are no outstanding bills, co-pays or disputes with XXXX XXXX. 
How can a collection agency be allowed to act in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: RFNA, LP
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company regarding the derogatory information being reported to my credit bureaus. My first Debt Validation letter was signed and received by them on XX/XX/2020. I received no response. I later sent a Non Response letter advising them to delete this negative information from my credit reports as they have not provided any validity that this debt belongs to me nor exists. This is a clear character violation and lack of validation. I have given 30 days to respond regarding my dispute with no proof in sight. How is it possible for them to continue reporting clearly Unverified, Invalidated, and Inaccurate information to my credit report? I am requesting this company to immediately remove this erroneous invalidated information from the three major credit bureaus : XXXX, XXXX, and XXXX. I am also requesting a physical deletion letter be mailed to me directly.

Company response to consumer: Closed with explanation