BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-19
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Interest rate

Complaint:
Please review my loan information My Interest rate too high 7.75 % My monthly payments XXXX XXXX XXXXXXXX : XXXX. Interest rate : 3.875 % Monthly payments XXXX to present : XXXX. Interest rate 7.75 % Origination date XXXXXXXX. Loan amount XXXX Initial rate adjustment. XXXX. Initial interest rate 3.875 %. Net rate change date. XXXX  Change percent limit 2.000 %. Index type LIBOR Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have Capital One Venture One Visa card. 

There is a number on the back of the card to call. 

When I call that number after going through all the prompts the automated system tells me the wait is more than 20 minutes. I don't have 20 minutes. I have no other way to communicate with Capital One. 

Please help me be able to communicate with them with out spending an unreasonable period of my personal time. I am not their employee. They do not compensate me for my lost time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
2 Letters dated XX/XX/2022 With different application numbers noted on each. Stated this was regarding my application for the XXXX XXXX XXXX. XXXX stated if you have any questions regarding this letter please contact us at card services XXXX XXXX XXXX XXXX XXXX XXXX No phone number was listed anywhere on letters. I suspected the letters to be fraudulently applied for two reasons one I never applied for an application for any Barclays card or any frontier airline Credit card second the letter was addressed to XXXX XXXX, this was my maiden name and not used since over 35 years ago. I looked up XXXX XXXX XXXX XXXX online to obtain phone number listed as XXXX. The first person I spoke with said that I had to call the fraud team and direct me to the second number fraud team XXXX. I explained my concerns they listen to my concerns asked my last four digits of Social Security number and date of birth. This person stated that I had to speak with the fraud security department which was different than the fraud team. I was directed to call XXXX I spoke with a woman name XXXX asked last XXXX digits of ss #, XXXX. I asked if it would help to give her the application numbers to see if there were any accounts open in my name she took the numbers came back to the line and said there were no accounts associated with these application numbers or in my name. She then said that this call needed to be Transferred to the customer security extreme high risk department put me on hold for several minutes and transferred To another representative XXXX XXXX she also asked for the last four digits of my Social Security number and date of birth. I again asked XXXX XXXX if she would like the application numbers listed on the letter. She said she needed to put me on hold looked them up and was back after several minutes. When she came back to the line she said that there was a account open with application number XXXX and everything was fine because she labeled it as fraud I asked about the second letter application number XXXX and she stumbled with her words stating No there were no account connected with that # .was while I was speaking with her that I started to suspect this was a case of fraud it seem to me she was trying to hurry me off and just directed me to report to the credit bureau I had to interrupt her over talking to me to request that she look up the application number noted on the letter.

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 2019-11-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I lost my card while on vacation around XXXX XX/XX/16 and purchases totalling {$1800.00} were made fraudulently for about a week straight. I did not realize this until the next bill came. I called USAA around XX/XX/XXXX to report this fraud. My account was closed, the card was reissued, and credits were issued for the fraudulent purchases. I then paid the remaining balance for my purchases so the balance was now XXXX. No contact by either phone or mail was made since then. I noticed around XX/XX/XXXX that the credits issued for the fraudulent purchases were put back on my account. I called to inquire and was told that there is no way for me to speak to the fraud department directly and they would contact me. 2 days later I recieved a fraud affidavit in the mail which I immediately filed out, certified mail and faxed. I did call to confirm receipt but other than that, they have not contacted me in anyway, but still are expecting me to pay the bill which is due in XXXX. I was under the impression that it is illegal for them to require me to pay this until the investigation is completed. I also do not know if an investigation was even started since I can not get any answers from Usaa. I have called 4 times since then, spending at least an hour each call to get a resolution but have still received nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Resurgent Capital Services L.P.
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:
The XXXXXXXX XXXX  account of {$630.00} on my credit report is being reported as OPEN and this is should be reported as CLOSED and this should be removed from my credit report because of inaccurate credit reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: BARCLAYS BANK DELAWARE
State: IL
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:
On XX/XX/2019 I attempted to communicate with the company about reporting incorrect information to the credit reporting agencies about me. I noticed that the information as far as my social security number doesn't match and the company still reported it to XXXX XXXX XXXX XXXX. I contacted them as well in regards to the situation and nothing was done. I explained to them that the company could not verify my identity. The address doe not match or social security. I explained that this is against the law and I have acquired legal representation. I have filed a police report in the past about this matter.

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 2022-05-21
Company: Fidelity National Information Services, Inc. (FNIS)
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: Personal information incorrect

Complaint:
Hello CFPB, The address that is currently displaying on ALL of my credit reports is WRONG, incorrect and is a potential serious identity fraud risk! 

I'm hoping you can help me with fixing the address that is showing on all of my credit reports. 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX I have lived at this address for over 2 Years, so I don't understand why the information is displaying incorrectly on my credit report. 

I want to assert my legal right for 100 % of the information on my credit report to be fully accurate. I don't know the law or FCRA statute that protects this legal right, But I know it exists. 

I am quite concerned to get this fixed ASAP. 

I have sent multiple letters to the Credit Bureaus requesting they correct my address. 

To date, they have NOT corrected the problem. 

I request that ALL Credit Reporting Agencies, ( including what many people call the sub-bureaus or data furnishers ) to immediately correct my address ... OR ... if they are not able to display my current address correctly due to a limitation of their technology systems... 

... Immediately remove ALL addresses that do not EXACTLY MATCH this one. 

I would rather have NO address listed at ALL on my credit report, than to have the wrong address listed! 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX There is a similar address in the neighborhood that is NOT CORRECT aka XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA XXXX NOT CORRECT. 

I will attach a PDF which includes documents which clearly show my current and correct address : My State Drivers License, Apartment Rental Agreement/ Lease XXXX Bank Statements Voter Status Car Insurance I have experienced that computers often auto-populate MY address incorrectly, miss entering the address, aka not including the " XXXX '' in the number, OR the city of XXXX XXXX XXXX My apartment is in XXXX XXXX. 

Please understand that my correct address MUST include " XXXX '' and XXXX XXXX, as listed on my identification documents, otherwise other people receive my personal mail. This could lead to other people stealing my identity. 

Please also remove ANY and ALL Phone Numbers listed on my credit report. 

Please correct these issues Immediately. 

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 2018-03-28
Company: United Student Aid (USA) Funds
State: KS
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
USA Funds has sold a debt they do not own to another company called XXXX XXXX XXXX. 

The debt in question is currently owned by XXXX XXXX XXXX and is currently being paid through them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Capital One stated that my bill was due on the XXXX of the month. Payment was made on the XXXX of XX/XX/2023. Payment from consumer bank showed payment was posted on the XXXX of XX/XX/2023. Capital One refused to post payment as well as available credit added to card. Called Customer Service for Capital One and was advised that there is a hold placed on the account. No correspondence was given to card holder in regards of Capital One withholding credit after payment has been received. Help desk couldn't explain the reasoning behind this phantom hold. Payments has been made using this method previously, how ever this new method showed inconvenience to the consumer who underneath the consumer 's law is being violated of the credit that is owed from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am signed up for online access with transunion ( https : //service.transunion.com ) to freeze/unfreeze report for last few years. Earlier this year, the freeze/unfreeze stopped working and all I get is an error asking me to call a number. 

I have called several times without any resolution. I keep getting transferred to different teams. In my last interaction on XX/XX/2023 the team I got connected to seemed to be the right team. The representative said she knew the exact problem but a supervisor had to fix it. I asked more details and was told she can't disclose anything, which doesn't sound right to me. 

Anyways, few weeks later there is no resolution ( I was told it would be fixed in few days ). Ticket number : XXXX XXXX XXXX XXXX So no resolution, no communication and when I call, I keep getting transferred to teams that have no idea and say everything shows good to them. 

more details on the error : Your TransUnion Credit Report Freeze status is currently : UNKNOWN The TransUnion XXXX XXXX XXXX is temporarily unavailable. 

Please try again later. If you need immediate assistance, please contact our Consumer Relations team at XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-19
Company: JPMORGAN CHASE & CO.
State: CA
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 have carefully reviewed my credit report in the XXXX credit bureaus. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. JPMCB CARD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The federal student loan servicer is reporting my account as late to the credit bureaus. The loan servicer incorrectly reported that I was late on XXXX, XXXX and XX/XX/2017. I was not late and paid on time. The incorrect credit reporting is causing negative credit markings, and negatively impacts by ability to obtain credit and loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: CL Holdings LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has continued to sell and report this account although I have disputed the validity. We agreed to a settlement that has not been honored to the current date. Please see attachments of accepted, signed and cashed check as well as accepted settlement agreement. 

Breach of Contract Agreement Contract Agreement violation Missouri common law, by Article II of Missouris UniformCommercial Code ( UCC ) A breach of contract : Breaking a binding legal document by failing to satisfy the terms of the contract without a lawful reason [ including unilateral law : signed, cashed and deposited check ] Details of Accepted Settlement Agreement to date XX/XX/XXXX JEFFERSON CAPITALACCEPTED SETTLEMENT AGREEMENT XX/XX/XXXX CASHED CHECK VERIFYING ACCEPTED SETTLEMENT AGREEMENT JEFFERSON CAPITAL ASSIGNEE OF XXXX XX/XX/XXXX JEFFERSON CAPITAL [ XXXX ] -Honor Accepted Settlement Agreement Request-Mailed letter to Jefferson CapitalXXXX duplicate request of agreement including removal of debt and to stop reporting debt and selling debt to other collection companies [ to honor the additional terms of our agreement ]. Mailed letter to ALL 3 CREDIT REPORTING AGENCIES ( XXXX, XXXX, XXXX ) to request removal of debt and to stop reporting debt and selling debt to other collection companies [ per honoring the additional terms of our agreement ]. 

XX/XX/XXXX CURRENTLY, It appears to be still showing up on at least two Credit Reporting Bureau ( XXXX/XXXX  ) as XXXX/XXXX  ( charge off and sold to another lender ). One is reporting in current/good standing and the other is showing as derogatory!!! 

I have made numerous attempts over the past years to resolve this disputed and erroneously reported issue, but to no avail. I agreed to do a settlement just to receive a final resolve but to no avail. I am reaching out for help. I continued to experience financial damage/loss and would like immediate recourse in getting this very unfortunate situation resolved! 

Thank you for your time and due diligence in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: National Enterprise Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt from XXXX XXXX  is not valid. I went in to the bank myself and asked to close the account. But are now saying I owe. The business and everything attached has been closed for awhile 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 2023-09-18
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I sent money via XXXX to what later learned was a scammer, I contacted my bank immediately and they said that they were going to put a request to get my money back. I received a letter stating that since I sent the money willingly, they couldn't do anything about it

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 2017-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
A denial letter dated XXXX/XXXX/XXXX had a score of XXXX. On XXXX/XXXX/XXXX, a denial letter had a score of XXXX. The XXXX/XXXX/XXXX letter was in response to a secured card. According to both letters, XXXX provided the score. Please tell me if there is a different credit card scoring used for the secured card. I do n't see how the score went down by 76 points. I opened a new card, with another bank, in XXXX. I think it should be on the report pulled for the denial letter dated XXXX/XXXX/XXXX. The letter dated XXXX/XXXX/XXXX, also mentioned income being insufficient for requested credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
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: Account status incorrect

Complaint:
I filled out an order for relief for XXXX granting them credit on the application which gives me a security interest in the business known as equity. The amount was XXXX around XX/XX/2023. I was denied. On XX/XX/2023, I received and adverse action from your company attempting to explain why I was denied via human expanation. This was clearly and act of DISCRIMINATION pursuant to 15 usc 1691 ( a ) ( 3 ) I used my credit card pursuant to 15 usc 1602 ( a ) ( L ) to extend myself credit through your company, which make me a creditor pursuant to 15 usc 1602 ( G ). That also give me the right to give credit pursuant to 15 usc 1602 ( F ). I exercised my right in good faith to extend myself credit as a consumer, and a creditor pursuant to 15 usc 1691a ( 3 ), I have received no benefits from this consumer credit transaction pursuant to 15 usc 1602 ( a ) ( p ) on top of that my credit card was used by a person other than myself which is clearly a violation of this federal law. You are now held civilly and criminally liable under : 1. ) 15 usc 1611 2. ) 15 usc 1640 3. ) 15 usc 1691 ( e ) 4. ) 15 usc 1 I told XXXX XXXX ( finance manager ) in front of XXXX XXXX ( sale consultant ) i had given him all the info he need ( ed to process the consumer credit transaction, XXXX said he was going to Denied the process. I explained the information above to XXXX XXXX told me it doesn't apply to me getting the XXXX  and no one was going to honor the law. I told XXXX XXXX okay and to give me all my documents I shared with XXXX of XXXX. XXXX XXXX refused and insisting he was going to call the authorities on me to get me removed from the property. At that moment another XXXX ( XXXX XXXX ) walked in on the conversation and could clearly see my frustrations while maintaining my composure. XXXX had expressed he had been doing this line of work for XXXX and how I am looking to do this consumer credit transaction is wrong. I am looking to get the XXXX  I test drove. that i need to get the automobile!! No company rules or policy supersede federal LAW!!!!

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