BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
I got a pre-approved offer in the mail from Capitalone, so I applied for the card and got approved. A few weeks after my card arrived, I got a letter from Caopitalone informing me that they are closing my account baecause '' Principal owner ( s ) have past, present or pending legal action ''. Closing my account and checking my credit report have both caused my credit score to drop as a result. This is not the first time this company has done that to me, last year the same scenario happened but that time it was a secured credit card and this time this is an unsecured card. By receiving a pre-approved offer I thought that the company has done their research and found me creditworthy to receive their card, but just to turn around and close my account a few weeks after is rather peculiar. Their actions both times have caused my credit score to drop and now I have two closed accounts on my credit report that further damages my credit score and my ability to better myself financialy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: LD Holdings Group, LLC
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX oXXXX XXXX, Loan Depot indicated that my XXXX XXXX was short {$14000.00} for my property tax bill and that I would be required to pay an additional {$1300.00} per month to address the shortage on top of the XXXX that would be the new monthly tax payment escrowed going forward. I identified a discrepancy with my jurisdiction and in XX/XX/2022, my jurisdiction reissued a new tax bill clarifying that the tax obligation for the year would be only {$1800.00}. The jurisdiction acknowledged a credit that was available for overpayment of my tax obligation along with instructions for LoanDepot to collect the credit. LoanDepot has made no efforts to collect this credit to apply to the escrow account. 

Since XX/XX/2022, Loan Depot has not accurately corrected the tax obligation and instead increased the amount due to address the escrow shortage. I have requested multiple tax and escrow analyses to be performed on the account, LoanDepot acknowledges their error in telephone conversations and refuses to adjust the monthly mortgage payment for XXXX and XXXX to correct this error. Moreover, despite the overpayments to the escrow account, LoanDepot continues to show an escrow shortage. The additional {$2500.00} per month being asked to pay despite my annual tax obligation being only {$1800.00} per year is egregious and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received your letter today. In your response to my previous email you agreed that you will provide the requested information but now you are saying that XXXX has already provided the requested information. THIS IS INACCURATE and I DEMAND THAT UNDER RESPA ACT YOU PROVIDE ME UPTODATE INFORMATION FROM THE LOAN ORIGINATION up until TO DATE AND ANY MISSING INFIRMATION IN BETWEEN TIME PERIOD. 

I am again asking the following questions : 1. How did you arrive at the accrual balance of {$34000.00} on XX/XX/XXXX? 

2. What made you decide to start to present the accrual history spreadsheet from this date of XX/XX/XXXX until charge off date of XX/XX/XXXX? 

XXXX. I would request that I be presented accrual history spreadsheet from XX/XX/XXXX ( my loan origination date ) through XX/XX/XXXX so I can reconcile the amount you are showing as accrual balance {$34000.00}. This will also show me how my payments from XX/XX/XXXX through XX/XX/XXXX in the amount of {$96000.00} was applied to arrive at accrual balance of {$34000.00} on XX/XX/XXXX. 

XXXX. BOA spreadsheet sheet XX/XX/XXXX through XX/XX/XXXX that you provided to me does NOT show the accrual history. 


XXXX. In your letter of XX/XX/XXXX you mentioned that payoff balance as of XX/XX/XXXX was {$470000.00}. This included XXXX principal balance + {$160000.00} interest + {$11000.00} in fees. This would remain same and will not change in future. 

6.On XX/XX/XXXX I received XXXX letter saying amount due {$340000.00}. Can you please explain this amount due terminology? 


My questions pertain to RESPA request and a complete analysis must be given to the request made. I am copying this email to HUD Counselor who is authorized on my account to resolve the issues and has participated in the conference calls previously to settle this account. 

thank you. 


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 2022-04-26
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I believe Navy Federal Credit Union ( NFCU ) denied my mortgage loan application based on my race, being the head of household, and my age which were known by NFCU from supporting identification and documents requested by NFCU. This action by NFCU caused my family and I to be denied equity of becoming homeowners.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
These accounts were listed as mine and they were all fraudulent accounts XXXX XXXX XXXX XXXXXX/XX/XXXX ( Closed ) XXXX XXXX Not my account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XX/XX/XXXXXXXX XXXX XXXX ( Bank ). XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXXXXXX ( Finance ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX ( Bank XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) - XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX  ( Finance ). XX/XX/XXXX XXXX XXXX. XX/XX/XXXXXXXX XXXX ( Miscellaneous ) XX/XX/XXXXXXXX XXXX XXXX  XXXX ( Bank ). XX/XX/XXXXXXXX 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 2020-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. O n XX/XX/2019, CAP1/LORD AND TAYLOR add a hard inquiry on my credit report. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-18
Company: Resurgent Capital Services L.P.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a collection oh my credit report that I wasn't aware of and was part of identity theft from XXXX to XXXX in Texas  I've lived in Delaware  since XXXX of XXXX and can prove it someone has used my social security number and information either my ex-wife or someone related to her I'm thinking. I filed a complaint dispute with all three credit bureaus nothing has been resolved yet I'm trying to get this off my credit report it's {$450.00} or original creditor XXXX XXXX XXXX   XXXX  XXXX  XXXX XXXX  XXXX XXXX, South Carolina XXXX XXXX is the collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
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: Information belongs to someone else

Complaint:
FCRA VIOATIONS NOT MINE PLEASE DELETE NOT MY CC XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3500.00} Status Account charged off. {$3500.00} written off. {$2800.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5600.00} Status Account charged off. {$5600.00} written off. {$4200.00} past due as of XX/XX/XXXX. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$2800.00} written off. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$4900.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$6500.00} Status Account charged off. {$6500.00} written off. {$6500.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3400.00} Status Collection account. {$3.00}, NOT MY CHILD SUPPORT OFFICE OF THE ATTY GENER Potentially negative Date opened XX/XX/XXXX Balance {$2700.00} Status Open. {$2700.00} past due NEVER LIVED HERE XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex  XXXX XXXX XXXX  XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type NOT MY PHONE NUMBERS ( XXXX ) XXXX XXXX ( XXXX ) XXXX NOT MY NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT MY WORK PLACE XXXX XXXX XXXX XXXX XXXX XXXX NOT MY INQURIES XXXX XXXX, XXXX  Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/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 2022-04-26
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Bach in 2012 was demoted and had a pay loss. Was paying XXXX a month. Asked if I could pay XXXX. a month. Their answer no we can defer your payments. I borrowed XXXX for degree and have made payments until my pay change. I am now XXXX and owe XXXX. All interest because they wouldny accept any payment and eas never offered income based payments. I started to work  temp for 3 months doing taxes grossing 3,500 approximately.  I offered XXXX last year but they said no. I'm tired of this hanging over me and gave been on interviews but  no one wants to hire old prople. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have disputed the same fraudulent accounts that are showing up on my consumer credit report more than 8 times with the same lenders. I have sent them an FTC identity theft report, Police report, Affidavit of fraudulent information and proof of being in a rehabilitation facility and these accounts are still reporting. 

Capitol One : Date Opened XX/XX/XXXX. Amount of {$450.00} XXXX XXXX XXXX : Date Opened XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In regards to CFPB CASE # XXXX. I am yet to receive the check that was mentioned in the letter either by mailed or email. 
I have called the number on the letter, but no one is available to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Bread Financial Holdings, Inc.
State: AZ
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 was recently notified by XXXX XXXX XXXX XXXX that an account was added to my credit profile. I did not open the account. I have not applied for or received a credit card from Comenity Capital. I have have not approved any opening of a credit card from this company. All other legitimate creditors have a way to contact them via telephone on my credit report, this company does not. It only has a XXXX XXXX XXXX. I am disputing the validity of this credit card account. XXXX has replied to my dispute with them, as reinvestigated and verified, but how? They never communicated with me about the account. They are not providing me proof that I opened the account. Am I just supposed to accept that this account is my account when I know nothing about this company? I have never received anything telling me that the account is open and that I have a credit card with a certain credit limit?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My car was broke into and my purse stolen, my credit cards were used in several charges, all was fixed except this one. I was not aware of it until it hit collections and I tried to refinance my house. I sent them the police report, i thought it was removed but apparently they just keep selling it to other companies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. U S Dept Of EdXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. U S Dept Of EdXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5XX/XX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XX/XX/XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on 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 explanation
Consumer complaint received 2021-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am trying to transfer funds from the savings account to a linked account at XXXX XXXX. When I click transfer funds it tells me they are experiencing difficulties. In addition, it only lets me withdraw {$3000.00} at a time. Ive encountered this problem at least 3 times before. Each time I called the bank and my problem wasnt resolved. Today I threatened to file a complaint and was connected with a manager. He told me that there is a transfer limit on my account. I can only withdraw {$6000.00} in a month. The account was opened inXXXX. Do you think they would have updated the account polices in the past 34 years? They never made me aware of this. I am furious that I cant access my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
When trying to purchase a Mortgage Loan, they requested my Credit Report. After received by the Mortgage Bank, they notify me that the Credit Card Account is not present in the Credit Report on none of the 3 Credit Bureaus. 

I proceed to contact my Credit Card Bank ( XXXX XXXX ) to verify this information and they state that the report has been submitted monthly to the Credit Bureaus. I have tried numerous times ( 15 times to be exactly in the past two weeks ) to get an answer on why none of the Credit Bureau companies have received it and they just say that they have done it ( When the Credit Bureau has not receive anything ). The Bank doesn't give me a reasonable answer or result. Do to this negligence, I have recently lost the opportunity to acquire my Mortgage Loan and lost the apartment I was hoping to purchase because that card makes me eligible with the XXXX XXXX needed to purchase the Mortgage Loan. After two weeks, they still don't give me a concrete answer and the Credit Bureaus still haven't receive an Activity or Existence report of my Credit Card Account.

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 2020-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
See Attached Detail Material. 

In XX/XX/2019 XXXX , XXXX incorrectly reported my loan as being past due. The issue related to their incorrect calculation of the proper escrow amount due. 

XXXX has since acknowledged the error and said they corrected the reporting to the 3 credit bureaus. 

TransUnion still does not report my payment history correctly.

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 2023-10-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation