BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
was contacted by a company that identified itself to me as per attached document I was instructed to send these funds to specific beneficiaries. The merchant claimed that the funds from these transfers would be used to fund the brokerage/investment account they provided. At the time, the merchant presented this information as if the beneficiary was actually them. 
Since initiating these transfers, I have determined that the named beneficiary does not actually have any type of connection to the merchant at all. The terms and conditions provided on the merchants website list the client agreement as being between the merchant and myself. The name of the beneficiary to whom the funds were transferred by bank wire is not listed on the merchants website. 

It has recently been brought to my attention that there is not any connection between the merchant and the beneficiary to whom the funds were transferred. 


That is why I am reaching out to the bank a while after the transfer of the money to be deposited had occurred, to assist me by requesting the merchant 's bank launch a fraud investigation against the merchant and reverse the transactions if the funds are still available in the merchant 's account. 



In light of this information, I am kindly requesting you to start a fraud investigation and a wire recall procedure. 


I am available to provide further documentation or clarification as needed if you can supply me with an email address. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: Focus Holding Company
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
FOCUS RECEIVABLES MANAGEMENT has been calling and harassing me about a bill owed to XXXX. 
I haved contacted XXXX XXXX and the company states they have no record of me evering having there service or owing a bill with there company. 
I have told Focus Receivables Management on numerous phone calls this information and have asked for proof from there company showing I owe this debt. 
Now this company are reporting a collection account with all three credit bureaus listed under my name, which is ruining my credit standing. 
I asked for them to delete this false information from my credit reports without any luck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Capital one 360 shut down my savings account and credit card accounts without giving me a reason. I had alot of points on my credit card that I had not used, they even ran my credit which now shows on my credit report. They are not giving me a reason as to why they have closed all my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I would like to know, where and who do I need to get in contact with to try and settle a charge off on my account. The Credit card company is telling me its the collection agency and the collection agency is telling me the credit card company that can update and remove the negative report when it 's paid.. 
Please help me with who and where I need to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Debt was included in CH XXXX BK. They have called me 6-7 times these past few months trying to collect this debt. This is very illegal. I have phone documents to prove this. They deserve to be fined, and Deserve a settlement. 

I have phone records showing the incoming calls from them. THIS IS HARASSMENT!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I previously had an account with Fifth Third Bank and account we overdrawn for too long and they closed my account back in XXXX and they sent me charge off paperwork XXXX to file with my taxes in XXXX and I filed it and I was told things would be clear and I could re open an account with them and any negative reporting information would be removed and it is XXXX and I still am unable to get an account with them and negative information as overdraft and fraud is reporting which is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Cit-bank XXXX  Card I paid off this credit card in full. The next billing cycle I receive a statement bill interest after payment was made in full on XXXX. The interest charge was on XXXX. When I spent one hour on the phone I was told that it was interest from last month that ran from XXXX until XXXX. So right off the dates according to the phone operator XXXX and her supervisor XXXX I owed the interest. The dates I am not sure why this was not included in the total balance that I paid off here in question but also getting charged 4 days longer for this interest. I felt this interest was unfairly charged to me. I have paid the interest but I feel that I should not owe this amount. The introductory rate expired on the XXXX so I was hit with a 15.99 % daily from XXXX until XXXX. I thought paying off the entire balance before the end of the billing cycle send would not cause charges these fees nor was I notified with any truth and lending act that the rate was expired or going to change.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 an account that was paid as agreed and in return the company would remove all the late payments due to being laid off from my job at the time but the company failed to do their part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Good day, I have encountered some problems regarding on my account being limited on Paypal on this day XX/XX/2021 my account was been permanently limited. 

I'm from the XXXX, I have XXXX in my account which I cant get because they hold my account. 

I have promptly gave the necessary documents. And I have followed all the steps and still PayPal have no respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
This is a frequent reoccurring problem with the bank I use. Availability of funds. My recent deposit was made on XX/XX/2017, the deposit posted XX/XX/2017 the on XX/XX/2017, XXXX of a XXXX deposit was added to my account. I have been with this bank, formerly Soverign Bank, for fifteen years. In the past two years with holding funds to my account are a monthly event and I get monthly overdraft fees in the XXXX 's range. The visual posting of my account is deceiving as well.The checks that I deposit are not personal checks written to me rather bank checks from my clients all in the USA. I am a common woman, with a XXXX, my funds are limited and I live day to day. Clearly I will find another bank. I feel that the practices of Santander Bank holding my funds for days is that of thievery. They, Santander have immediate access to my money, we are in a lighting flash technology era, I know they use my money for a period of time to make more money for the bank and with my additional overdraft fees I am truly being robbed. A two day hold on personal accounts is only wrong and the people who have the least money get hit the hardest.

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 2021-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : 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 2021-12-20
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Dynamic Recovery Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I asked the company in writing to provide documentation that I provided them with a HIPAA release to access medical information associated with this debt. The company refused to respond to the original letter or a follow up letter sent 45 days after. Creditor refused to remove from report after failing to verify the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-17
Company: Ditech Financial LLC
State: HI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Ditect is servicer of a loan and property in hawaii. It is in violation of hawaii state mortgage servicer laws XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX XXXX Social, ID, Identity Theft report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Credit determination

Complaint:
I applied for a Capital One Venture Credit Card several weeks ago. On XXXX XXXX, 2016 they sent me an e-mail, which I did not receive/see until a few days later. In their letter they stated " Based on your application information, despite our attempt to reach you, we have been unable to resolve a consumer alert you placed for access to your credit bureau report. '' I did place an alert because my credit card was compromised. 

They also stated in their report that my XXXX XXXX credit score was XXXX, dated XXXX/XXXX/2016. Just below that they wrote, " Key factors that adversely affected your credit score : Serious delinquency ; too many accounts with balances ; proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high '' This is absolutely false. I do not appreciate getting a letter accusing me of false activity with my credit. A letter stating the facts would have been acceptable and I could have proceeded from there. I can not, however, accept the fact they are sending me a form/custom letter with false information. 

Nobody ever tried to reach me, other than this email that I was n't notified that I would receive. The key factors that you say adversely affected my credit score of XXXX are in absolutely false. I have XXXX credit cards. XXXX is paid off monthly. The other has a small balance, less than {$1000.00} out of a credit limit of {$7500.00}. 

I was denied a credit card by Capital One Venture Card after they nicked my credit twice because they said, via telephone, that the credit reporting bureaus did not have my telephone number. When speaking with them they were unable to take my phone numbers verbally from me. I will look into this. There was no need to check my credit TWICE!! I do not feel they had any right to do this. Once to verify my credit and the second was unnecessary and I want it removed from my credit report because all it will do is hurt my credit report. 

It appears that Capital One Venture Card sent me a form letter of denial stating the above false information. I want the denial of credit by Capital One Venture Card to be removed from any credit reporting bureau because of their false accusations. I DO want a letter from Capital One Venture Card stating the reason I was denied, because as they told me they were unable to get my phone number from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
A vehicle that I co-sgined for was repossed around XX/XX/XXXX, and when I found out I contacted Capital One Auto to find out what I needed to do regarding the matter. I was contacted once by Captial One in XX/XX/XXXX to tell me that they were making arrangements to obtain the vehicle and that I would be able to receive additional information once they obtained possession of the vehicle. I never received any more information regarding this matter until I received a letter from a XXXX collections Agency in XX/XX/XXXX stating that I owed them {$8000.00}. I immediately contacted them because I was not even aware that the vehicle was sold, so I sent them a letter asking for an explanation of how they came up with this amount because I was not informed that the vehicle was sold, how much it was sold for or the date and time of when it was sold. I have not heard from XXXX since that time. I filed a complaint through XXXX XXXX XX/XX/XXXX because of the negative inquiry on my Equifax report and was told that Equifax and Capital One Auto would contact me to do a conference call. On XX/XX/XXXX I received a call from XXXX of XXXX and XXXX XXXX of Capital One Auto. XXXX XXXX told me that Capital One did not have to notify me of a private sale of the vehicle. I asked about the law that states that a consumer is to be notified in writing about the date, time and location of a sale to afford the consumer to either buy back the vehicle or in my case, have someone else purchase the vehilce. She again stated that for private sales, this is not the case and that there is nothing that I can so. XXXX of XXXX, did not ask any questions so I was confused why we had a conference call set-up. I again asked so the laws regarding this does not pertain to Capital One and she said that is correct. I am reaching out to see if there is any other avenues that I can pursue because I thought state and federal laws were binding but and being told that they are not. 

Thank you kindly for any advice that you may be able to provide me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card
Issue: Payoff process

Complaint:
I have a credit card with my ex-wife that is seven years old. I did n't realize it was never taken care of and was never contacted of this debt. Come to find out that the credit card is at a law firm and they increased the balance over {$2000.00} on top of capital one increase for late fees and interest. The credit card started out with a {$3000.00} limit. Now the balance is at XXXX. I 'm willing to take care of the debt but nobody 's willing to contact me back to discuss pay off or payments. Please let me know what to do I ca n't afford a lawyer. and they wo n't talk to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX allowed my county tax office to cash the same check two times, causing financial harm to me and my family. Details below. 

XX/XX/XXXX - Check # XXXX was cashed in the amount of {$2800.00}. This is cashed as intended for my XXXX winter property taxes. 

XX/XX/XXXX - Check # XXXX was cashed AGAIN over a year later for {$2800.00}. This is a major issue as I'm not sure how a competent bank could allow the same check to be cashed twice over a year a part. 

XX/XX/XXXX - I called Chase to alert them of the issue and dispute the charge. They said it will take two business days to get to fix. This is unacceptable as I made XXXX error. It was Chase 's incompetency that caused this issue to begin with. Waiting at all is unacceptable. Throughout the process of filing the dispute, I was transferred from multiple different departments. Nobody had a clue what I was talking about. The wait time between every transfer was 30+ minutes. I was on the phone for hours and got nowhere. 

XX/XX/XXXX - I called back to confirm the dispute and get an immediate deposit back to my account. I was reassured multiple times by the representative that there was nothing they can do and that my money will be back in my account on Monday XX/XX/XXXX. I asked several times to speak with a manager or someone who can help me. The person was completely unhelpful and repeated that nobody can help me. She ultimately hung up on me after telling me the funds will be in my account on XX/XX/XXXX. 

XX/XX/XXXX - The funds were not in my account. I called Chase again. Only to be told that a dispute was never filed. This is literally impossible. I spoke with multiple people who all told me it was filed and I would get my money on Monday the XXXX. 

Due to the complete incompetency on behalf of Chase and the absolute lack of care and solution focus from their lack luster Customer Service department, I am cancelling my Chase account, paying off my credit card, and taking my business to a company that cares and has customer service reps with common sense. In the meantime, my son 'XXXX XXXX, groceries, XXXX XXXX, and the property tax check for our other house is written against the same checking account. I expect all fees will be covered and a compensation check of {$500.00} for my time be sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: SYNCHRONY FINANCIAL
State: SC
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 disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files.

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