BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-23
Company: FinCo Services Inc DBA Current
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This complaint is directed to Current Bank FinCo Services Inc. and XXXX XXXX XXXX. I had an account with Current. I direct deposited my Social Security Disability check in this account. On XX/XX/2021 I found out my account was suspended. I tried to call customer support and a recorded message told me their phone service was down and to email customer support on my online account and chat with a live team member but I couldn't because my online account was suspended and to email customer support. I emailed them and asked why it was suspended I got a form email saying they had received my email and a support member would contact me shortly usually within 24hrs. I was never contacted by anyone even though I emailed them daily just that form email. About a month later I received a letter saying they had closed my account and sent me a check for the remaining balance in my account of {$930.00}. When I tried to deposit this check from FinCo Services Inc. " ieCurrent bank '' in my new account they would not except it when I tried to cash it at XXXX XXXX  they said they couldn't cash it because they couldn't verify it. I have been emailing them for four months trying to get them to resolve this matter and got no response just that form email. I know they aren't reading my emails because immediately after I send my email they send that form email. About 2 weeks ago I got an email from their support team saying they finished investigating my account and closed it??? They did this after closing my account and sending me the check. I don't know but I thought once they closed my account and sent me the check it was done but they reopened my account without informing me or asking me I thought that constituted Frau or at least it would be if I did that yes?? They investigated my account for depositing my Social Security XXXX check as fraudulent suspicious criminal XXXX acts I didn't know they made depositing a XXXX check would be considered any of those things. I'm still trying too get a response from them on this so far I just get that form email no contact by anyone team member no one. I talked too the SSA and asked if they could hold my XXXX check and they said not unless they had a garnishment order or a court order signed by a federal Judge so holding my check for four months is an illegal act by them this caused serious hardship on me monetarily and health risk as I am XXXXyrs.oldand have had XXXX XXXX XXXX and XXXX XXXX XXXX and I couldn't get my XXXX XXXX  and I have XXXX XXXX and couldn't get those medication for the month of XXXX. Thanks I hope you can help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I put a house up for sale XXXX XXXX for XXXX. I signed a re-modifaction in XXXX not understanding the full ramifications ofthe re-modification. The outstanding principal listed on the orgimortgage service web site and on statements listed the same amount of {$180000.00}, The payoff amount issued by the mortgagelisted an arrears amount of {$33000.00}. My final take on the saleminus normal other expenses was approx. {$1000.00}. I feel this is a gross\gross injustice. The servicer was Seterus inc. XXXX purchased the home in XXXX. I had to refiin XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Had a loan w XXXX XXXX. They agreed to remove the late payment I had and it has not been removed.

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 2022-08-26
Company: Paypal Holdings, Inc
State: NY
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:
Called on XX/XX/2022 at XXXX from XXXX XXXX XXXX. 
Text stated that it was the PayPal Fraud Department and that my XXXX XXXX has been deactivated due to the fraudulent activity on your account please call us back asap at XXXX XXXX. 
I called the card and they stated that there were no unauthorized charges on my account. This was a scam call. I was directed by PayPal to your website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
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:
My problem is with Equifax and XXXX Reporting Bureau, a while back I disputed some issues on my credit report. I requested my annual credit report and could not get it from either one. I later found that Equifax has a Credit File Status Blocked for Promotional Purposes. I was not told what this means and had no contact from either company. I am using XXXX XXXX XXXX XXXX and they been fantastic, but I wonder are the credit companies punishing me for challenging or making a dispute? There has been no follow up whatsoever when I contacted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: Co-Operative Adjustment Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They keep reporting collection on my credit that is not mine.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I was shocked when I reviewed my credit report and found inaccurate items. 

Creditor : XXXX XXXX XXXX ACCt # : XXXX I do not have a debt with XXXX XXXX XXXX and have tried repeatedly to get them to answer me to verify how they determined that this debt is mine. I have never had a debt with them and I am unable to get this item off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I recently disputed some accounts on my credit report that was not accurate, multiple accounts, they where supposed to be removed with proof from the original creditors, The credit bureaus have failed to acknowledge and execute on this issue for months now. This has been going on past 45 days. All proof is below, they informed me that if I was a credit repair organization or using a Credit Repair organization I would need to state that, no law says I need to state anything about my credit because it is part of my consumer privacy protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: Early Warning Services, LLC
State: NY
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:
EARLY WARNING SERVICES HAS INCORRECT INFORMATION ON MY CONSUMER REPORT. IT NEEDS TO BE REMOVED. THERE ARE SEVERAL ACCOUNTS I NEVER OPENED. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX OPENED ON XX/XX/XXXX XXXX XXXX XXXX OPENED ON XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: Bread Financial Holdings, Inc.
State: CA
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:
XXXX XXXX my XXXX Visa reword card closed without informing. 
My credit score was good and no explanation why my account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I XXXX got money depsoited to my acct from a loan ... once the money got deposited to my acct i started withdrawing some of the money... then they stoped me with drawing the money blocked my acct sent me to the fraud department..asking me all types of questions ... and very rude customer service ..which i know for a fact one of the agents was very XXXX in so many ways she didnt even hide it the way she was asking me questions and harrasing me about my acct to where she blocked it... .i been going back and fourth with these people to release my funds and unblock my acct... nothing has been done its going on about 2yrs now...

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 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-08-26
Company: Self Financial Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There has been damage caused in regard to my credit reputation. This has caused me economic strife

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: LEXISNEXIS
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: Information belongs to someone else

Complaint:
reporting inacurate information. Inclosed is an opt out form I would like to go ahead and proceed with removing the inacurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of 2015 I finalized my divorce which included child support to begin in XXXX of 2015. I began to pay as ordered but the office of the attorney general in Texas did not accrue my payments. The matter was settled at a meeting at the child support office and an order was issued to correct the matter. However the Child support office refused to acknowledge their mistake and has left the problem notation on my credit records. This record has no basis and it should be removed.

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 2019-11-27
Company: CORELOGIC INC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have some major issues and major errors on my credit report that I need addressed immediately. My name is XXXX XXXX XXXX. My SS is XXXX. 
My DOB is XX/XX/XXXXPlease remove delete ANY OTHER name and SOCIAL SECURITY NUMBERS. the following addresses are not accurate please delete them : XXXX XXXX XX/XX/XXXXXXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX PL # XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX, OH 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 2017-04-15
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
In XX/XX/XXXX, there were XXXX isolated fraudulent credit card charges on my Chase credit card account, an account which I opened in XX/XX/XXXX. At that time, I contacted Chase about the charges, and Chase replaced my card. I subsequently contacted XXXX to request that a security freeze be placed on my account. I did NOT dispute the Chase account, but XXXX contacted Chase and required that my account be closed. Further, my 11 year Chase credit history was entirely removed from my credit report without my consent. On XX/XX/XXXX, I contacted XXXX and spoke to XXXX, a Supervisor in Special Handling. She looked at my security freeze request and verbally acknowledged that XXXX was responsible for the error. She stated that I would need to contact Chase to have the account reinstated, and then XXXX would update my credit history. Chase, however, refused to reinstate my account, even though I had paid in full for all charges other than the XXXX fraudulent charges in XX/XX/XXXX. Chase told me that once all XXXX credit reporting agencies instructed them to reinstate my account, they would do so. After much back and forth between Chase and the credit reporting agencies, none would take action ; I was then placed in a " Catch-22. '' Because XXXX had made the original error, I filed a complaint against XXXX with the CFPB to request that they contact Chase to correct their error. XXXX replied that they had re-inserted the item on my credit report and sent it to Chase for approval. Chase refused to reinstate it, and XXXX now states that, " Chase has removed the account as verified fraud by credit grantor. '' Chase has clearly made an error. If my entire account had been fraudulent, I would not have been paying my bills in full on the account since XX/XX/XXXX. Only the XXXX charges disputed with Chase were fraudulent. In fact, even though I never received a bill for some of my charges in XX/XX/XXXX after they unexpectedly closed my account, I voluntarily contacted Chase in order to determine the balance due, which I then paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-17
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
As Class Members of the XXXX XXXX XXXX XXXX XXXX XXXX, my wife XXXX XXXX XXXX and I do not owe any of the debts on our credit report save our first mortgage lien, XXXX auto loan and Federal student loans. Furthermore, I have an attached LAPD ID Theft Report ( # XXXX ) which further absolves me of any debts assumed to be accrued by with me with the exception of the ones listed above.

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 2022-08-26
Company: BARCLAYS BANK DELAWARE
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I've been a customer of JetBlue Barclays Mastercard for over five years. I've never been late on a payment and have always made payments in full. 

On XX/XX/XXXX, they did not accept my payment for an unknown reason. I tried via the app, website, and over phone to make the payment. They were " processing '' the payment until XX/XX/XXXX. 

I contacted my bank as well and there was nothing they could do. 

On XX/XX/XXXX, I was charged interest of {$96.00}. 

On XX/XX/XXXX, I called to dispute, they issued a " one time refund '' of {$96.00}. 

On XX/XX/XXXX, I noticed they retroactively added a new interest charge of {$86.00}, but issued on XX/XX/XXXX. 

On XX/XX/XXXX, I called to dispute, they issued a " one time refund '' of {$86.00}. 

On XX/XX/XXXX I was charged interest of {$37.00}. 

I called on XX/XX/XXXX to dispute, they refused to issue a refund because a payment on XX/XX/XXXX happened from the " time my bill was sent to me until the time the card issuer received my payment ''. 

I've never dealt with this until XXXX and XXXX of this year. I have been a loyal customer and never made a late payment. These charges are bogus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Late fee

Complaint:
I was tricked into getting this card. when I got the offer, I called to ask when the XXXX payment would be due if I purchased that day XXXX and was told XXXX. Nope XXXX bill was due less than 30 days and there is " no grace period '' before a late fee is assessed. 
So after negotiating late fees and interest after no other charges have been made since XXXX, I have had to call every month to get a late fee waived due to how I am paid ( bi monthly ) and the due date. 
My bill is now {$110.00} with a {$35.00} late fee due to my missing the min payment by {$4.00} and I am being assessed interest on no new balance. 
I advised I could pay the balance owed MINUS the late fee and interest and they refused to waive the fee. 
I was also advised that my refusal to pay these XXXX fees would reflect on my credit report as a balance due. 
1. CAPITAL ONE are frauds 2. They have no grace period 3. They prey on the poor 4. I was told interest was charged on new purchases 6. I was told in my last conversation with capital one on XXXX that I had a grace period. 
7. I continued to state that the XXXX would be the better due date if I paid the bill from my XXXX pay. 
8. I have {$77.00} for you. Nothing more.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: National Credit Adjusters, LLC
State: RI
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
National credit Adjuster is dept collection agency. I had a credit with XXXX XXXX that I could not make payment to, so my account was charge off and sold to them. They have been calling and attempted to collect this debt. Two mothers ago they talked me into a setttlment, which I agreed to and they convince me to make a post dated online transfer to make payments. I gave them my bank number my account information. But after careful consideration I called them back and cancelled the post dated transaction. Which they agreed to and they even sent me a confirmation letter on XXXX XXXX XXXX. But on XXXX XXXX they sent me another letter stating they have accepted my offer to settle the my dept. Which I never replied because I had cancel the agreement. On XXXX XXXX with out my authorization they went into my back acount and took money XXXX dollars. To my understanding is a RI law and federal law that collectors can not post date a transaction with out my knowledge. I called them and they stated I made a authorization on XXXX XXXX, which never happened. And also they never called me for my authorization. I want my money back. Because of that my son can not go to daycare this week and had to cut back on a lot things. Acc # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I. After my Forbearance Plan ended XX/XX/ 2022, LoanCare sent a letter dated : XX/XX/2022 denies all other mitigation assistance options ( with appealable reasons ) except for XXXX XXXX Flex Modification, offer to be received in 15 days. I have never received this Flex Modification offer as of XX/XX/ 2022 ( see attached ) II. Never granted communication access to XXXX ( aka XXXX XXXX XXXX ) on multiple attempts for multiple XXXX  As per my Homeowners Bill of Rights a XXXX is a single point of contact which will explain resolution options, report consistent loan status and notify consumer of any required action for completion of modification assistance application and deadlines regarding that action. 

III. Never received a Notice of Default or Foreclosure but received letter Dated XX/XX/2022 ( received XXXX XXXX, 2022 ) stating that there 37 calendar days or or less before a scheduled foreclosure sale. In addition this letter states that an application for Loss Mitigation Assistance is incomplete, after I have already been evaluated for options and qualified for a XXXX XXXX Flex Modification Dated XX/XX/2022 ( item # I ). ( XXXX XXXX, 2022 see attached ). 

IV. Since entering Forbearance I have been discriminated against by not being provided access to entitled services e.g. Online/Web tools to be able to manage my loan. The restricted services included payment, accessing payment history, exchanging documentation, etc. I became a Foreclosure target as soon as I entered Forbearance.

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