BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX, I was making a purchase from Cabelas on-line. A pop-up suggested I apply for the Cabelas branded card, which I did. 

Last week, when checking my credit report for another purpose, I was reminded of the application. I then discovered it was through Capital One. I called and was told I had been mailed a letter and they would not talk to me until I had it in my hand. I told them I had not received the letter and they said it would be remailed. My wife received the letter late last week while I was on business and she texted it to me. 

I called again and they refused to speak to me. After I made it clear that I am a bank officer and know the process, they finally told me that a decision had been made on XX/XX/XXXX to deny credit based on an incomplete application. I was never notified of an incomplete or unverifiable application and after I told them they were violating the law, including the FCRA, they asked me to call and speak to a supervisor named XXXX. I called the following day and they refused to let me talk to him. I received a voice mail from him later that day when it was too late to call back. 

Called back this XXXX - XXXX ( a month after application ) and they are refusing to talk to me. They can't tell me what the issue is and I feel like I'm being discriminated against. They've made the credit inquiry so it's also reflecting poorly on my credit report. 

I think there is a chance they were supposed to call me because of a credit alert on my account and they simply did not want to take the time to do so. This would, of course, be discriminating against me for protecting my credit data and would be against the law. 

This is fraud and discrimination pure and simple.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I responded to an ad on pages in my profile of XXXX XXXX offering XXXX  miles after opening a new account and spending a certain amount. 

I was approved, met the qualifications but did not get the miles ; and, when I called about it, I was told that I was not eligible since I had had a mileage credit card less than 2 years ago. 

I pointed out : The ad was on my profile pages of XXXX. 
There was no mention of this requirement in any of the pages of the offer on the website- I have printed and kept every page. 
I was not told when my application was accepted that I was not eligible for the mileage offer. 
I was not told I was not eligible for the miles in the literature I got with the card. 

I believe this is false advertising I told them on the phone and they said they would investigate. I got a letter in the mail restating that I was not eligible. I sent them a return letter on XX/XX/XXXX ( attached ) restating why I thought their advertising was misleading and that they should award me the XXXX  miles. 

No response

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 2023-05-03
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I went under forbearance because my spouse lost her job because of XXXX. The agreement was to postpone payments until we were better situated. During the forbearance period, random visitors showed up at our house asking " Is this house occupied ''? We were confused as to why these people were showing up and we warned them that we will call the police if they continued to invade our privacy. They were caught peeking through our windows and taking pictures of our home as if planning something. 

We contacted Pennymac and they informed us that they used a 3rd party to investigate and they will send a complaint for harassment. We had the same lady show up again a week after this conversation. Another representative said they were moving forward with a foreclosure anticipating that I would not be able to make payments in the future. This home was purchased under a VA loan which states that companies can not foreclose without appearing in court. 

Furthermore, the forbearance was not supposed to have an impact on my credit score. Because of the alleged delinquency, I have not been able to purchase a more reasonable vehicle and my security clearance is also at risk. 

I was also assigned a " Trustee '' that is NOT a legal resident of Tennessee, which is a requirement to be listed on a DEED OF TRUST in the state of Tennessee. We have had our rights violated on multiple occasions since XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is In Reference to my previous complaints that I have asked you to investigate against Bayview / Community loan servicing under complaint # XXXX and XXXX. I am asking CFPB to investigate the details of the forclosure below. 

Community loan servicing is not responding to the their improper handling of this mortgage foreclosure. 

ALL CORRESONDENCE ( PLEASE SEE THE ATTACHMENTS ) WERE SENT TO THE ADDRESS OF THE PROPERTY WHERE NONE OF THE PARTIES RESPONSIBLE FOR THE MORTGAGE RESIDE. EVEN THOUGH I MADE AGREEMENT FOR THE LOAN MODIFICATION IN XX/XX/XXXX VIA EMAIL AND THE FIRST PAYMENT WAS CASHED IN XX/XX/XXXX, NO FURTHER CORRESPONENCE WAS SENT TO ME AT MY ADDRESS THAT WAS GIVEN TO COMMUNITY LOAN SERVICING. EVERY PIECE OF CORRESPONDENCE WAS SENT TO THE INCORRECT ADDRESS. 

The loan modification agreement that was issued by Bayview was never forwarded to me for the payment arrangements although Bayview had my home address, email and my cell phone number. There were no attempts to contact me only letters and arrangements sent to the property address that I did not receive. 

The transfer of service that is referenced to have been issued to me was also issued to the address of the property. This information as to the transfer of the mortgage was never sent to me to my address of record nor was I notified in any other way. 

Community had all of my contact information but chose not to contact me at my home address, my business email, nor to my cell phone. XXXX XXXX at Bayview had all of my contact information. ( see the attachments ) Community states they are unable to comment on the servicing of the loan as the loan was transferred to XXXX ; however they were responsible for giving the new assumed company my correct contact information which was NOT done. 

The transfer of service company, XXXX XXXX, was not given my correct contact information by Community as no attempt was made through this company regarding the previous modification or a new modification agreement and the property was sold on XX/XX/XXXX without any notification to me as guardian to XXXX XXXX XXXX. 

This is my third attempt to ask to have this reviewed as to the fairness and integrity of the transactions that occurred. I continued my contact with Bayview/Community into XX/XX/XXXX with no resolution and no cooperation. Community simply want to transfer the blame for the foreclosure sale to XXXX XXXX XXXX XXXX whom never received the proper contact information for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: NJ
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:
I am writing to dispute the following information that appears on my XXXX/Experian consumer report Dispute Student Loans Student Loans amounting to XXXX of 8 accounts The current status of my account is not correct It states that I have late payments as of XXXX XXXX, 2022, that is not true. I have deferred the payments and have no payment due, see attached documentation from XXXX. There is no payment due. 
Can you remove the late payment tag? 

I have attached a copy of my report with the accounts in question below. 

Thank you for your assistance. 

Sincerely,

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 2017-08-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have filed multiple disputes, and requested multiple times VALIDATION of this bankruptcy reporting on credit report that it belongs to me but they failed to provide me the proper documentation except " verified ''. I have called the different numbers listed on my credit report from all 3 credit bureaus for FL FED Bk CT-XXXX which are XXXX on XXXX, and XXXX on XXXX and Experian but yet all these numbers are disconnected or not in service. I fear that this bankruptcy is being reported wrongly on my credit report and since they are unable to properly VALIDATE THIS INFORMATION WITH THE CORRECT SIGNATURE AND PERSONAL INFO, I am requesting an immediate removal of thisbankruptcy from my credit reports in all 3 credit bureaus as it is negatively big time affecting my credit score.

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 2020-12-30
Company: Self Financial Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Ive made 2 reports that my account is being reported as bankruptcy discharge. This account was not discharged and is being negatively reported on my XXXX credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: COMMUNITY BANK SYSTEM, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Community Bank, N.A. in XXXX XXXX mistakenly transferred {$2800.00} from the XXXX XXXX XXXX account to XXXX XXXX of Virginia through the Automated Clearing House despite the fact that we do not have a debit card and do not make electronic payments from this account. Following a series of complaints, the bank refunded only {$1400.00} and claimed that we were not entitled to a complete recovery because we did not notify the bank of our loss within 48 hours. They then charged us {$16.00} for new checks to a new account because the old account was not secure.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear TransUnion, I hope this letter finds you well. I am writing to bring to your attention an error on my credit report and kindly request your assistance in rectifying the matter. 

Upon reviewing my credit report, I noticed that there is an account listed with inaccurate information. The account in question is an installment loan with XXXX XXXX, Account Number : XXXX. According to the information provided, the bank claims that I paid {$2100.00} in interest during the year XXXX. However, I would like to emphasize that I have no recollection of incurring such an expense nor having any association with this loan. 

Given the discrepancies mentioned above, I kindly request that you investigate the matter and take the necessary steps to remove this erroneous account from my credit report. I have enclosed copies of my credit report highlighting the incorrect information for your reference. Additionally, I have included any supporting documentation that may assist you in verifying the accuracy of my claim. 

I understand that the Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies, such as XXXX, investigate any disputed items on a consumer 's credit report within 30 days of receipt of a dispute letter. Therefore, I kindly ask you to initiate an investigation into this matter promptly. 

It is essential for my financial well-being and creditworthiness that inaccurate information is promptly rectified. I trust in XXXX 's commitment to ensuring the accuracy of credit reports and upholding the rights of consumers. I appreciate your attention to this matter and your assistance in resolving this issue as soon as possible. 

Please inform me in writing of the outcome of your investigation and any actions taken to address this matter. Additionally, I kindly request that you provide me with an updated credit report reflecting the removal of the disputed account. 

Thank you for your prompt attention to this request. I am confident that XXXX will handle this matter with the utmost professionalism and diligence. If you require any further information or documentation from me, please do not hesitate to contact me at the provided contact details. 

Sincerely, 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 2019-03-18
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I've been repaying my student loans with Navient through an income-sensitive repayment ( ISR ) plan, with which I have to file a new form annually to certify my income level. 

My payment was about to go up as of XX/XX/XXXX, so in XXXX, I filed the ISR documentation. 

On XX/XX/XXXX, I received notice that my ISR materials were rejected because of the form of income certification I submitted ( tax return -- married filing jointly -- they needed a form that didn't include my spouse 's income ). 

So I resubmitted the documentation on XX/XX/XXXX ( this time, with the 2018 W9 form from the company I work for ). After submitting, the confirmation page noted that I should expect the form to be processed within 15 days. 

On XX/XX/XXXX, I contacted Navient because I noticed that I had still not received an updated payment plan from them. 

When I spoke to the customer service rep, she notified me that because I was on an Autopay plan, they could not process my ISR when it was received within 14 days of the payment due date. 

I asked to speak with a supervisor because 1 ) I submitted my first form in XXXX, then my second form on XX/XX/XXXX, so I knew that this was well within the time frame she suggested, and 2 ) I was never notified of this technicality re : the Autopay plan and the due date. All that was indicated to me when I submitted my ISR documentation was that it would be processed within 15 days. 

I was then transferred to the supervisor, Navient employee # XXXX, who reiterated that because the Autopay was scheduled for XX/XX/XXXX, the ISR could not be processed before that date. This made no sense to me. 

I expressed my frustration that this information was not made available to me at any point in the process, and that I was now going to be forced to pay a significantly higher payment this month ( over 3x what I normally pay ) because of these deceptive practices. 

She argued with me about it for some time, and even had the audacity to say that this higher payment would actually be of BENEFIT TO ME, because it would lower my principal balance. I explained that while it would indeed lower my principal, that would not benefit me if I couldn't pay my other bills. She finally agreed with me, saying, " I understand -- if you had known about this, you could've planned for it. '' Exactly. 

It's important for borrowers to maintain sovereignty over their own financial decisions, and not be deceived by information that is not made clearly available to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Here is my actual score from XXXX ... XXXXAmerican Express XXXX and said it was XXXX when the actual score is XXXX... here are the direct notes from XXXX ; XXXX XXXX XX/XX/2022 XXXX GOOD XXXX POINTS XXXX XXXX See what's changed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: EQUIFAX, INC.
State: NV
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:
There is an account on my credit report that isn't mine. I tried calling the merchant, and they indicated to dispute it, and that they do not report anything to the credit bureaus. So, either the credit bureaus are lying, or so is the merchant, or both. Please remove it immediately as this is a violation of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Date : XX/XX/2023 Discrepancy : Transunion refuses to remove inaccurate Inquiries. 
Actions Taken : Called Transunion @ XXXX ( XXXX ) XXXX I reviewed my credit report and saw inaccurate information listed. I contacted Transunion at the number listed above and spoke with XXXX via Text Message. I told him I had 4 inquiries that were not authorized. He refused to remove inaccurate reports from my credit file and he gave me false information. That I could only remove inquiries if I get a letter from said company to dispute those inquiries on my behalf. This information he gave me is incorrect according to the Fair Credit Reporting Act. I don't need to track down an unknown third party to get incorrect items removed from my credit file. This would complete defeat the purpose of any disputing policies.

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 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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'VE TRY TO GET THIS RESOLVE, HOWEVER, IT NEVER GET FIX. PLEASE HELP ME OUT. IM THE ONLY PERSON WRITING THIS. SO I HAVE A MEDICAL BILL. Recently checked my credit reports and realized the agency and this debt collector is in Restriction on sharing of medical information. please see attached file.

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 2018-06-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Chexsystems continues to violate all of the FCRA laws in place to protect consumers and victims of identity theft. Not only did Chexsystems advise they wouldnt assist me with the inquiries they let go through WITH A SECURITY FREEZE ON MY REPORTS. Additionally these inquiries are duplicated and triple. I did not authorize these nor did I apply for any bank accounts. Also they have fraudulent addresses listed on my Chexsystems reports I have disputed these as well as requested this be blocked. The FTC is a Government Agency setup to assist consumers and protect their rights. As a victim of identity theft and by the FCRA laws, and also according to your website. If I provide you notice of Identity theft, also provide you a document declaring Identity theft, I have a legal right to ask the consumer agency to block this information. Additionally you stated XXXX XXXX inquiry in XX/XX/XXXX was authorized, however I havent applied for any account or service with them in XX/XX/XXXXat all. Therefore that is false and you continually put fraudulent information on my reports abusing me as a 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