BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Please reference complaint numbers XXXX and XXXX from XX/XX/. 

As of XX/XX/, per my local court clerks, this file has not been withdrawn and no " hardship hold '' has been placed on my account. This company stated to CFPB on XX/XX/2020 that a 60-day " hardship hold '' was placed upon my account. There is no hold, they are pursuing legal action, during a national emergency. XXXX and XXXX have lied to the CFPB, a government agency, and should be held liable. Capital One Bank, ( who has not yet even responded to the XX/XX/2020 complaint ), should also be held liable for the actions of their representative party. 

If the CFPB desires me to furnish the recorded telephone call where the XXXX and XXXX agent says to me that I do not have to respond to the summons of the lawsuit, I will gladly do so. It has already been given to the Attorney General of Texas and the XXXX XXXX of Texas. 

I will also begin to visit Capital One 's social media pages and demand to know why they would decide to file a lawsuit against a person who has continually attempted to get on a hardship payment plan, especially during a national emergency. I will also demand to know why, ( as XXXX and XXXX stated in the attached letter response ), they would NOT take the file back into their possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Experian Information Solutions 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:
I notified Experian of an inaccuracy on my report by national credit adjust. This same account was reported to Experian by another company, XXXX XXXX XXXX XXXX which was deleted on XX/XX/2019 because it was proven invalid. Experian created what they called an investigation which lead to the incorrect/fraud info to remain on my report after they deleted this same info by another collection agency previously. This information is completely false and should not remain on my credit. Please help!

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 2019-09-02
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received an email alert from XXXX XXXX that XXXX had reported a hard inquiry had taken place into my credit on XX/XX/2019 by SYNCB/Paypal. I did NOT authorize, request, or give permission for any inquiry into my credit. This has been done without authorization and I am afraid is a sign of fraudulent activity. While no unrecognized accounts or charges have appeared on my account to date, I am afraid this inquiry is a step in the process to open a fraudulent account in my name. 

I requested a free credit report online from XXXX which does in fact show the hard inquiry did take place on XXXX XXXX, 2019. The XXXX  report shows that the company ( Syncb/Paypal ) submitting the request supplied an incorrect address for me but they allowed the credit inquiry anyway. I attempted to dispute this fact on my report directly with XXXX. I have tried multiple times to use their online disputing tool, but it does not seem to be working properly and would not let me create an account to dispute. 

After researching online, I have discovered that this problem ( hard credit inquiries by Syncb/Paypal ) is quite a common event and many people have previously filed complaints. These inquiries should be blocked.

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 2023-06-17
Company: Diversified Adjustment Service, Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I moved from XXXX to XXXX NM and had paid all my final bills shortly after moving in XXXX. I had all my mail forwarded to my new residence. I had not received any more bills from the XXXX XXXXXXXX XXXX XXXX XXXX after moving. In fact, I called them to make sure the account was disconnected and everything was paid up. I was assured by the company everything was good. 

On XX/XX/2023, I received a bill from XXXX for {$34.00}, stating they were going to send my bill to collections. I was surprised to see this, but quickly sent a check on XX/XX/2023. I checked my bank statement dated XX/XX/2023 and saw they cashed the check. 

On XX/XX/2023, I received a letter from Diversified Adjustment Service, Inc a debt collector, claiming I had not paid the debt. 

This kind of incompetence is infuriating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: LA
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, Account # XXXX, Account # 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 explanation
Consumer complaint received 2023-05-19
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
RIGHT PATH IS ATTEMPTING TO FORECLOSE ON MY HOME WITH A FRAUDULENT ASSIGNMENT. THE DOCUMENT IS ROBO SIGNED, THE HAVE ALSO VOLATILIZED FEDERAL LAW BY CARRYING OUT FORECLOSURE WHILE LOAN A MODIFICATION AND MORTGAGE ASSISTANCE WERE BEING NEGOTIATE. XX/XX/2023 THE SENT A NOTICED THAT MY ASSISTANCE REQUEST WAS DENIED. MEANWHILE THE FORECLOSURE WAS STILL IN PROGRESS. THIS IS DUAL TRACKING AND THAT IS AGAINST FEDERAL LAW. NATION STAR DOSE NOT HAVE LEGAL STANDINGS TO FORECLOSURE ON MY PROPERTY. THE TRANSFERS OF TITLE ARE FRAUDULENT AND FRAUD CANT BE THE BASICS OF OBTAIN A DEED. I ALSO SENT 2 QWR AND NEITHER OF THE MY REQUEST WERE RESPOND TO. THEY REFUSE ALSO THE SEND THE CURRENT MORTGAGE STATEMENT AFTER MY HUD REP REQUESTED THEY ALSO ACCEPTED 2 PAYMENTS FROM WHILE STILL PROCESSING A FORECLOSURE FOR XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been making payments to Carrington Mortgage Services for 2 years. My home has recently been foreclosed and sold, without my knowledge, and without my being allowed to rectify whatever problems thay are claiming there are with my payments. I received a form recently in the mail saying that my loan was in foreclosure, and when I called the company, I was informed that the house had already been sold to to their sister company! I also just received a check from them refunding my last few months of mortgage payments. THIS CA N'T BE LEGAL! I NEED HELP! I have called lawyers, bankers, judges, and everyone that I can think of in hopes that someone can help, but no one seems to be sure what recourse I have against these people other than trying to buy my mortgage back? Again, please help. I am a single mother of XXXX who works nights as a XXXX and this house is the only equity that I have. If it is stolen from me, I will have nothing to show for a decade of mortgage payments on a house that I personally designed and built. This company appears to have the legal authority to do what they have done, but I have not been informed why or how they have foreclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I just telephoned Navient a few moments ago. I asked them kindly to remove my mom and my ex-brotherinlaw from my private loans. I also requested they lower my interest rates on all XXXX private loans and to please consolidate my loans into XXXX. They said no they do n't consolidate and refused to lower interest rates or remove my mother and ex-brotherinlaw. I currently owe {$33000.00}. I owe more than I borrowed and this is now the forth time I 've requested assistance from them. They are unhelpful and unyielding assisting. I strongly feel I 'm being taken advantage of. The last time I called to try and lower my payments, they requested my mothers and my ex-brotherinlaws income. I found that awkward and when I asked why, I was informed Navient would have to take into account their income as well, although they are only co-signers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Repeated calls, also calls to my parents. 
On the weekends calls at XXXX. As late as XXXX. Non stop, when I return calls they either dont answer or threaten, with garnishing wages. 
They immediately demand my SSN # and banking information. Never identify themselves until I ask numerous times. Its a debt collection services, Theyve put negative remarks on my score before speaking with me. Harassment and invasion on privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX : {$5700.00} XXXX XXXX XXXX : {$0.00}

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 2023-07-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX Accounts, has violated my rights. 
Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have expressed my concern with misleading information being report to consumers. A few months ago Transunion was continuing to report an item that was requested to be deleted from my credit report at the request of a creditor. The company mailed to me copies of the requested deletion. 
Transunion report credit scores XXXX points below other companies. 
Transunion is presently reporting and item that show no available information. Transunion report is reporting a debt of XXXX. That was in the center of the Pandemic when everything was closed and no business was being conducted in my area. I believe the federal government stop any items from being reported during that time frame. 
Another item listed has a XXXX balance Transunion is being reported it as a debt. There was any item of a credit card debt. The credit card was had not been used. My bank contacted Transunion at least twice to request for those items to be deleted. 
I am unsure why there are always so many errors reported through Transunion.

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 2022-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I reported a scammed XXXX transfer with Bank of America. There are two transfers, one of the amount {$3500.00} on XX/XX/XXXX, and another of the amount {$400.00} on XX/XX/XXXX. It was a fraud/scam because this was the money for a landscaping contract but the person never had the service done last year because she claimed she was caught by COVID and could not start the work right after the transfer. Then she told me that she would resume the work this year in XXXX spring, but then she never replied my message or call this year whenever I tried to ask when she was going to resume the work. Then I reported this Fraud/scam to Bank of America XXXX and requested for refund of the scammed transfer. However, Bank of America refused to do that and claimed that there is some protocol with XXXX they have to follow. Therefore, I am submitting this claim hoping that CFPB could help facilitate me to get the refund from Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Social Finance, Inc.
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I initiated a loan payment as an ACH transaction on my lender 's site, debiting from my SoFi Money account. The payment debited my account a few days later. 

I received a follow-up email from my lender that the payment was returned, and assessing me a fee. The payment was still debited from my SoFi Money account. 

I attempted to resolve this with the lender, and they were insistent that they received a payment returned for " No Account / Unable to locate account '' and to contact my bank. 

I called SoFi only to be told that they didn't return the payment, my lender is wrong. The only " assistance '' I could get from SoFi was being told I used the wrong routing number. I verified the routing number used on the payment was the correct one, and they had no further help or ideas. 

No one will help to try and resolve this. SoFi has stolen over {$1000.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I owed debt to XXXX XXXX in late XXXX. When the pandemic hit in early XXXX XXXX I lost my job and had to stop paying all my credit card accounts. I have been able to work with all of them but this specific account was sold to Midland Funding who NEVER sent me a letter and have continued to call my old job which has THANKFULLY reopened and rehired me even though I have told them to STOP calling me work and they hang up. They show up to my home with their phone cameras filming me asking what my name is and I say who are you from and they tell me they can not say who they are. And today for a 3rd time someone showed up at my home and threw documents at my front door took photos and left the documents at my front door? I have this all on on security camera. This is complete fraud and they are trying to scare me and bully me. I need some sort of protection from this please. The documents they left claim that they have sued me XXXX XXXX XXXX on XX/XX/XXXX? I was NEVER notified of this, when I look it up on the court website theres no records of this? This is fraud and the people who are coming to my home are starting to scare me and my family. Please help me. The documents I have attached were thrown at my front door today XX/XX/XXXX by a large man with his phone out filming everything. This is NOT OK.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any account not later than 4 business days after XX/XX/2023 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on this account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THIS FRAUDULENT ITEM : XXXX 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 explanation
Consumer complaint received 2019-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been in the process of correcting the wrong and the effects of identity theft on myself for over a year and a half. Because of this, I have been very diligent in reviewing my credit file on a weekly basis. I received an alert from a credit monitoring service that I had new negative account reporting. Sure enough, theses accounts are reporting XXXX  XXXX-XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX  XXXX and these accounts are not mine. After further review of my credit file, I also found several inquiries that I did not authorize that were fraudulent as well. I have submitted a complaint to the FTC and have a report of this.

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 2017-07-16
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: Information belongs to someone else

Complaint:
To whom it concerns i recently pulled my credit report and noticed fraudulent errors dealing with the company 's listed above. I 've contacted these company 's by phone email and mailing certified letters. I have n't received any documents, phone calls nor emails from the banks, credit bureaus and The  XXXX . It has been over a period of five years since  XXXX /2012 and current. I 've asked the company 's to send verifiable documents of any signatures pertaining to me but i still have n't received any documents back yet. I have not been able to open an account in over 5 years and have n't open any accounts because of this fraudulent error where my identity was used to open the accounts listed above without my consent. Identity theft is one of the biggest crimes and it 's an ongoing crime that i have no control over. During this period i also lost my wallet that had my license, social security card, birth certificate and more. This is been an uncomfortable situation that i had to deal with for a very long time and its affected my life. It 's difficult to work a job and get paid where i can not put my money in the bank because someone used my identity to open several bank accounts under my name.

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 2019-07-22
Company: BARCLAYS BANK DELAWARE
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: Information belongs to someone else

Complaint:
Dear Consumer Financial Protection Bureau Someone had fraudulently created a credit card account with Barclays Bank and charged over {$5200.00} under my name and this amount has been over due for several months now. I do not bank with Barclays Bank. 

I have always paid my credit card charges on time and there has not been any arrears in payment unitil this incident. 

My credit score had always been high but because of the fraud, my credit reporting has plummeted to a very low level. I have contacted XXXX, XXXX and XXXX about this but nothing is being done. 

I have spoken to the fraud department at Barclays Bank and after investigation they have concluded I have been fraudulently charged. However to this date, nothing has been done to clear my name nor my credit report/score. 

I have recently found out that there was data breach by XXXX and they are being sued for data breach of confidential customer information. I strongly believe that I am one of the victims from this data breach. 

Please include me in your class action lawsuit against XXXX. I deserve some compensation because my credit and name had been tarnished. I have put in great deal of time and effort in trying to solve this fraud. 

Yours truly, XXXX XXXX XXXX, CA

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