BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-18
Company: LoanCare, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We refinanced our home in XX/XX/2020. The company we had was Loan Care. I thought it went smooth but we have sold our home and upon the title search found out that the lien loan care had on our home they had paid it off but have not released the lien. In turn this will not let us close on our home. I have tried for over 3 weeks and have been told every excuse in the book promised to have it done XX/XX/XXXX and I still do not have it done. I have missed several job openings, rescheduled the XXXX, rescheduled my work here last date 3 times. We must have this to close and need ASAP before the people back out from buying our home. Please help me get them to finish this so we can close our loan.

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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Furtherance to my complaint ( Complaint ID XXXX ) that I submitted on XX/XX/2022 against XXXX XXXX XXXX XXXX ( Caliber ), and the response from XXXX  dated XX/XX/2022, it was expected my Mortgage account and payments will be accurately updated with Credit Report Bureaus. Also, that XXXX XXXX XXXX will be more transparent. 
For the very first time, I noticed a new charge of XXXX ( {$15.00} ) called " XXXX XXXX '' on my Mortgage XXXX that was due on XX/XX/2022. As a result, I made frantic efforts to speak with a XXXX representative to explain the reason for the new charge. It is on record that the XXXX representative feign ignorance of the new charge and promised to get back to me when she is able to know the new reason for such a charge. Since XX/XX/2022 till date, no person from XXXX XXXX XXXX has ever called me on the phone or written to me on why such a charge of XXXX ( {$15.00} ) called " Corporate Advance ''. All subsequent Mortgage Statements since XX/XX/2022 include the " Corporate Advance '' charge of {$15.00}. However, I have made it a conscious decision since XX/XX/2022 not to include the " Corporate Advance '' {$15.00} charge in my monthly Mortgage payments, because the XXXX XXXX XXXX ' staff that I had to opportunity to once make an inquiry from could not provide a reason for such a charge. 
In XX/XX/2022, I noticed that All Three Credit Reporting Bureaus had entry for my Mortgage payments for the months of XXXX and XXXX, and when I spoke to XXXX of the Credit Reporting Bureaus, I was told that my Mortgage Company has reported " Nothing '' for the months of XXXX and XXXX in 2022. Even my most recent Credit Report from all three Credit Reporting Bureaus still shows no payments for the months of XXXX and XXXX in 2022. 
In addition, I have noticed on the last Mortgage Statement for the Year ending 2022 that the " Paid Year-To-Date '' Principal ( {$10000.00} ) ; Interest ( {$15000.00} ) ; and Escrow ( {$8400.00} ) as reported by Caliber are all less than the calculated amounts that I actually paid. 
I have attached to this complaint, the different Mortgage Statements received in year 2022, Bank Print-Out showing Payments received by Caliber Home Loans, relevant pages of my Credit Report from XXXX, TransUnion, and XXXX showing XXXX entry of payments as reported by 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 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I've been a CapitalOne customer for 10+ years, currently having 6 different accounts with them ( checking, savings, CD, credit card, etc ). I've tried to open an additional Savings Account ( Performance Savings ) with them on XX/XX/XXXX using their online banking interface. As a step in that process the system asked for me to upload my government ID, for which I uploaded my current drivers license. The system accepted the upload, but later I got a message that I still need to call their customer service to complete the process. Once I called, it was revealed to me that the process of ID verification has failed, and I need to do it again. Customer representative needed to send me a code to my phone number to proceed, but was unable to do so. I have two phone numbers on file with CapitalOne, and neither worked. One of the numbers is a virtual phone line ( XXXX XXXX ), which indeed doesn't work sometimes with some services. But the second line is a legitimate cellular number in my name, yet they were unable to send the code and at that point it was too much hustle to continue so I aborted the request. 

Scrolling forward, on XX/XX/XXXX I decided to try again opening that same type of account with Capital One. This time I tried to use my valid US passport for verification. The system again accepted the upload, but next day I again found a message that it didn't work and I need to call CapitalOne. I also logged into my CapitalOne online account and found that all of my accounts are frozen. I called CapitalOne, and was informed by the customer representative that I my accounts are frozen because I failed ID verification. They sent me a link to upload the ID again, which I did, getting the confirmation screen that the upload was successful. However, representative informed me that my ID verification failed, and they need to send me the authorization code to my number. Basically the same process that I described earlier from XX/XX/XXXX. This process again failed. Representative then suggested they are going to do me a " favor '' and work around the system to unlock my accounts, but the call disconnected and accounts remained locked. 

In summary, CapitalOne utilizes an ID verification system that is extremely unreliable. CapitalOne also utilizes authentication system via SMS messaging that is unreliable. The result is that a customer may end up locked out of their money. I don't have access to my accounts as of right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
It has been drawn out that XXXX AND TRANSUNION Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX Balance : {$0.00} ; 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 2021-06-18
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: EQUIFAX, INC.
State: FL
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:
some time on or about XX/XX/2018 I lost my Daddy and fall on a hardship and lost seven credit line but I work it out with the bank and settle the account and canceled the debt with bank, XXXX XXXX agree to settle the account by issues a 1099-c at the end of the year. and the account being resolution and canceled., I file a dispute with Equifax and XXXX  and they refuse to delete for my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Capital One was offering a promotional offer for a welcome bonus for their capital savor one card. The promotional offer is advertised on their website and through credit karma declaring there is a {$200.00} welcome bonus for new account member sign-ups for this particular card, if they spend {$500.00} within 3-months. 

I have complied with their terms and conditions, and reached out to their customer service inquiring the status of when I would receive the welcome bonus but was notified I was not eligible. 

The customer service member failed to declare why I was not eligible for the reward offer based on the terms and Conditions. 

I requested the terms and conditions and was notified that they did not have the terms and conditions to share with me and that no one would be able to supply me the terms or conditions or explain why I was not eligible. 

I opened up my account on XX/XX/2023 and have exceeded the {$500.00} requirement by early XXXX which fulfilled their requirement prior to XXXX. 

Capital One refuses to provide any additional information indicating why I was not eligible for the welcome bonus and refuses to provide me the terms and conditions to show that I was not eligible for the welcome bonus that was bring offered on their capital savor one card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am a XXXX veteran with a NJ Property tax exemption. Mr. Cooper has been overcharging me property taxes for close to a year. They were made aware of my tax exemption for close to a year The county and town tax collectors have repeatedly reached out to the company to stop this predatory charging without any help. 
I finally had to reach out to my congressman for help for them to recognize my tax exemption. Now that they were forced to stop charging me for taxes, I don't have to pay no one at Mr. Cooper knows where the overcharged money is. I have overpaid close to 9,000.00 in taxes and no one at Mr. cooper has any clue or cares. I am curious how many other veterans this company has done this too?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: EQUIFAX, INC.
State: MD
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:
On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: EQUIFAX, INC.
State: IL
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 sent multiple disputes to all the credit reporting agencies for personal information being reported incorrectly, collection accounts not being verified after I asked for documentation via mail, payment history not being updated after I had correspondence with the company to correct inaccurate information that they were reporting to the credit bureaus, and disputes for inquiries I did not authorize. 
XX/XX/2021, XX/XX/2021, XX/XX/2021, I sent a fourth set of dispute letters but can't locate the receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Capital Accounts, LLC
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
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 has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 it also States a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-08-07
Company: Fay Servicing, LLC
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
FAY SERVICING sends a monthly statement on the XXXX of XXXX indicating I have a PAST UNPAID PAYMENT OF XXXX. My payments are set up to be deducted by FAY SERVICING directly from my checking account. I check my bank statement and they had not deducted the XXXX until XX/XX/XXXX. 

Why aren't they able to deduct the payment earlier in the month to eliminate the past unpaid payment showing on the statement? I don't decide when they take the money from my checking account THEY DO! 

This maneuver shortens the 15 day grace period!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: CBC Companies, 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: Personal information incorrect

Complaint:
On or about XX/XX/XXXX a fraudulent application for credit was made at XXXX XXXX. The criminal used a fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank populated this address to XXXX who listed it as my primary residence address. I filed a CFPB complaint against XXXX XXXX and XXXX on or about XX/XX/XXXX and the issue was resolved. 

But now I find out the issue was NOT resolved. In addition to reporting the fraudulent address to XXXX, XXXX XXXX  also reported the fraudulent address to Innovis. I have tried to contact Innovis about this and they refuse me access online. They also refuse to delete the fraudulent address unless the data furnisher, XXXXXXXX XXXX contacts them to request removal. 

XXXXXXXX XXXX  failed to delete the fraudulent address from all entities they reported it to even though at the time it was reported XXXX XXXX clearly new the address was from a fraudulent credit application. 

Innovis refuses to delete fraudulent information from my credit report in violation of the FCRA. I fully intend to bring legal action against Innovis.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Lending Club Corp
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Hello, I got a personal loan from LendingClub on XX/XX/2020. The loan amount was {$30000.00}. However, they did not credit me {$6000.00} into my account. They asked me to credit this money to one of my existing account. The XXXX XXXX account was over there and I thought it was related to my car loan account XXXX XXXX XXXX XXXX. But it was not. I gave my car loan account number and the money did not go there. I contacted the LendingClub and XXXX XXXX couple of times with phone and e-mail. They promised me but they did not solve my problem. I am still paying LendingClub {$1000.00} dollars every month with automatic payments. However, I could not get my {$6000.00} dollars from either company. Could you please help me with this issue? 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We had a loan modification done on our Mortgage. We went the the office of BOA with all the managers and other workers in presence of us signing the new payment and balance. They ( BOA ) proceeded to add on a balance of $ XXXX. Onto the end of our mortgage. Notification, reason. We have all our documents from that day with all the witnesss present and they had to sign. No where on it does it have the $ XXXX on it. They also sold our loan to XXXX XXXX. They are a debt collector. We are no longer behind on our payments. The only thing showing this money we owe that is NOT on our original modification Documentation. 
What are our options? 
Thanks Im advance 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 2022-12-08
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/22 my chase account was hacked and credited these amounts {$970.00}, {$460.00} {$170.00}, {$130.00}, {$120.00} ( XXXX ), {$100.00} ( XXXX ), On XX/XX/22 {$970.00}, {$83.00} ( XXXX ), On XX/XX/22 {$190.00} ( XXXX ), {$860.00}, {$150.00} ( XXXX ). On the same day XX/XX/22 a XXXX withdrawal of {$990.00}, {$600.00}, {$300.00} and {$500.00}. On XX/XX/22 XXXX XXXX of {$500.00}. I called Chase and made a complaint and Chase said my account was hacked and they will look into it. I believe this is an inside job because the hacker got into my account and turned off all my alerts off so I would not know what's going on. So I opened up another account with Chase and was told nothing will happen. On XX/XX/22 my new account at XXXX was put into negative for {$1400.00} and hours later took my direct deposit of {$970.00}. On XX/XX/22 now its negative & XXXX for the total of {$5000.00}. On XX/XX/22 my direct deposit went in so now its negative {$4000.00}. On XX/XX/22 I spent 4 hours at Chase trying to get help and I was told I will be stuck paying this back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Experian Information Solutions Inc.
State: DE
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:
CFPB Write up n accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DELAWARE XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Please remove all non-account holding inquiries over 30 days old. 

* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX IN WITNESS WHEREOF, the said party has signed and sealed these presents the day and year first above written.

Signed, sealed and delivered in the presence of : XXXX XXXX STATE OF COUNTY OF I HEREBY CERTIFY that on this day before me, an officer duly qualified to take acknowledgments, personally appeared XXXX XXXX, who is personally known to me or who has produced _____________________________________________ as identification and who executed the foregoing instrument and he/she acknowledged before me that he/she executed the same. 
WITNESS my hand and official seal in the County and State aforesaid this XXXX day of XXXX 2023. 



___________________________________ Notary Public Printeod Name : 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