BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX I walked into a XXXX XXXX to make a large payment {$2500.00}. Before I went there I called Capital One and they said I could make a large payment at the store. I went to desk and made payment, or so I thought. I then received my statement and it indicated that the payment was not processed correctly by the employee correctly at the store. I immediately called the Capital one and spoke with a supervisor. The first supervisor told me that the account had accrued {$70.00} in interest, I was told that if I made a payment by the next due date then the XXXX dollars would come off, so I did a complete balance transfer. Additional charges were made to card, so I called to make another payment and to see if the XXXX dollars had been removed. I spoke with a second supervisor I was told that there was not XXXX dollars in interest and that the first supervisor had suspended the interest so I would not have to pay interest until a payment was made. I argued that the first supervisor had stated there was 70 dollars but the 2nd supervisor stated there was not interest because it had been suspended, I didn't agree but I paid the balance. In the meantime I had dropped a class from a local college I was told by the school that the money would go back into the Capital one card, so I called today to see if the money had been returned. The automated service said that there was a finance charge of XXXX dollars, so I spoke with a third supervisor he stated that it was interest from the account that had collected and that it was being assessed to my account. When I asked if he could listen to the previous record of my phone calls he said he would not going to do that, I asked multiple times for someone to dispute these charges he said he was the only person I could dispute charges with. Multiple mistakes have been made and it seems the only person paying for them is me, first my payment was not processed properly and intrested accrued. I was then given the wrong information not once but twice by two different supervisors, I was then again assessed interest which I was told had been suspended but had not been. I also find it very convenient that the day I clear the account more money is charged not two days later on an account that should of had a zero balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-12
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My Best buy credit company did not adding my first payment for initial purchase {$780.00} from XX/XX/XXXX to my payment records for two month. this purchase money I suppose to paid off in 18 months with 0 % rate. I did my first payment in advance in 13 days of of {$67.00} on XX/XX/XXXX for XXXX pay period but they didn't reporting this transaction till XXXX pay period statement, XX/XX/XXXX. They combined it with my second payment {$60.00} in XXXX XX/XX/XXXX as one {$120.00} transaction and wrongly classified as one late payment. 
By doing this unlawful payment manipulation they ruined my payment history and announced majority of my payments as being late even all payment done in advance 13-28 days. 
Even I paid in advance in full in 12 month instead of 18 Best buy credit company forcing me to pay extra {$990.00} and threatening my with bad credit history. I am adding my all payments history below.

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 2023-12-12
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
We were denied I loan modification 2008

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 2021-07-10
Company: Landed Home Loans LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I have been investigating purchasing a new place in XXXX XXXX ( having moved here in the last year ). A friend suggested working with Landed.com. They say they want to help essential workers such as teachers, medical professionals, and first responders to buy houses in higher end neighborhoods. When I started talking with them red flags started going up for me. The regular mortgage seems straightforward but the down payment assistance seems to be the idea that is TERRIBLE for the home owner. They said they will provide up to 10 % of the down payment up to {$80000.00}. Once you purchase your new house there are no payments needed until you refinance or sell ( red flag # 1 ). When you do refinance or sell you owe them the original loan amount PLUS 25 % of any increase ( or decrease - red flag # 2 & # 3 ) in value of the property. Red flag # 2 on this one was the decrease idea. They have to approve of the area in which you buy therefore they can make sure that you buy in an area where property values are almost guaranteed to go up quickly. Red flag # XXXX was the percentage. I have already purchased a property in XXXX and seen the results of simply living my condo and making sure the property is maintained. I purchased it at {$150000.00}. 20 years later I'm looking to sell it at somewhere around {$440000.00}. If I had used them to provide 10 % of a down payment at that time they would have provided {$15000.00}. The increase in value would have been about {$300000.00} and 25 % of {$300000.00}. So I would have had to pay them {$75000.00} on a {$15000.00} loan. 

When I queried Landed.com about how this is a good deal they responded by emphasizing what the home owner keeps rather than how much money they walk away with. Here is a excerpt from an email they sent me : " For example, if a homebuyer bought an {$800000.00} home, and Landed contributed {$80000.00}, the home 's value at the time of ending the partnership would need to be {>= $1,000,000}. In that case, the homebuyer would buy out the investment by paying the XXXX fund {$400000.00} ( the original {$80000.00} + 25 % of the {>= $1,000,000} change in value ), but the homebuyer would keep their original {$80000.00} + the other 75 % of the {>= $1,000,000} change in value, so in this case, the homebuyer would walk away with {>= $1,000,000}, plus the equity built up by paying down the mortgage over time. '' This struck me as that classic grocery store receipt that says " You saved {$5.00}. '' When the reality is you spent {$55.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft. Please delete these items IMMEDIATELY! 

The accounts should not be furnished on my consumer report as they are in VIOLATION!!! Subsection 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTING CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX ) XXXX XXXX Current Balance : ( Reportedly {$14000.00}, Original Balance {$19000.00} ) Action taken : Submitted and received a response from Transunion ( Pending other consumer credit agencies. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Balance : ( Reportedly {$0.00}, Original Balance {$39000.00} ) Action taken : Submitted and received a response from Transunion ( Pending other consumer credit agencies. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Balance ( Reportedly {$0.00}, Original Balance {$23000.00} ) Action taken : Submitted and received a response from Transunion ( Pending other consumer credit agencies. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX Current Balance ( Reportedly {$0.00}, Original Balance {$15000.00} ) Action taken : Submitted and received a response from Transunion ( Pending other consumer credit agencies. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX ) XXXX Original Creditor - XXXXXXXX XXXX XXXX XXXX Current Balance ( Reportedly {$15000.00}, Original Balance {$14000.00} ) Action taken : Submitted and received a response from Transunion ( Pending other consumer credit agencies. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor - XXXX XXXX XXXXXXXX XXXX Current Balance ( Reportedly {$16000.00}, Original Balance {$16000.00} ) Action taken : Submitted and received a response from Transunion ( Pending other consumer credit agencies. 
Address : Unknown

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 2023-12-12
Company: WELLS FARGO & COMPANY
State: FL
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:
It has come to my attention that you are reporting my transactions with your company to the consumer reporting agency. Under the EXCLUSION section, it states that a consumers transaction or experiences between the consumer and corporation are not part of your consumer report. 
My transaction history for " XXXX XXXX and WELLS FARGO is EXCLUDED from the consumer report. Delete this transaction history from the consumer report or delete the Late Payment or delete the item Marked as Late from my consumer report. If this item is not deleted, you are violating FCRA laws under 15 USC 1681 2a1. How are you reporting this payment as late when clearly it says Under FCRA law it says under the EXCLUSION that a consumers TRANSACTIONS or EXPERIENCES are NOT INCLUDED in the CONSUMER REPORT? WELLS FARGO 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 explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
TRANSUNION RE : Method Of Verification I am requesting the Method of Verification for the following disputed account ( s ) : Account Name : NE DEPT OF HEALTH Account Number : XXXX File Identification Number:XXXX  This letter shall serve as formal notice of my intent to file a complaint with FTC due to your blatant the and objectionable disregard of the Federal Law. Since you have not given me the names of person with their business addresses that you contacted for verification of the information, so that I could follow up as I requested, I assume that you have not been able to verify the information I have disputed. It is really disappointing to find a credit bureau not following the procedures and not maintaining the accuracy norms as required by the Fair Credit Reporting Act ( FCRA ). This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is NOT a DISPUTE! Again I AM NOT DISPUTING THIS ITEM! This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the item ( s ). Please mail me the proof of your investigation or remove the negative information. Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( 15 ) days of the completion of your investigation. 
1. The name of court representative you spoke with 2. The court address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. Your company has never validated or verified these judgement lien entries on my credit report. I need the child support information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 
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 2023-12-12
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Sub-product: Store credit 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:
Please see attached file with all the documentation and explanations. 
I am sure both Lowes and Synchrony will know who I am so my name and address info is included in the attached file. 

All these transactions were apparently conducted at the XXXX Lowes store without my presence or credit card. What Lowes employee created and processed these transactions using my Lowes credit card without my authorization, knowledge, approval, my actual credit card or my presence? 

The {$200.00} additional charge for stucco work was fraud because my house does not have stucco. 

The {$100.00} credit is reimbursement for the caulking that I had to do because the installer lied and said it was extra even though it was included in my total cost of {$1200.00}.

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 monetary relief
Consumer complaint received 2023-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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 had a prior case open through the CFPB and in the resolution, XXXX stated that the inquiry would stay on my record for XXXX years ( hard inquiry ). This inquiry was a fraudulent hard check on my credit and I am requesting again for it to be taken off. I understand that soft inquiries happen due to credit card promos but this is different. I checked the portal and it still says, XX/XX/2023 CAPITAL ONE BANK USA NA CAPITAL ONE BANK USA NA, XXXX XXXXL XXXX XXXX, XXXX, VA XXXX '' on my hard inquiries. Please help me take this off my credit line. When I click dispute it doesn't pull anything up!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: WELLS FARGO & COMPANY
State: PA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Wells Fargo " acknowledges '' a " problem with credit card transitions ''. I paid off the balance of card, it did not register, rather what appeared is a different charge/balance that does not correlate with any charges made. Balance on card was XXXX. That balance was paid on XX/XX/16, but did not show up. I could not track this payment, so I paid the new balance, now XXXX. 
This is fraud. They need to pay back the money

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 2023-08-17
Company: ProCollect, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I found out the debt isn't mine and that XXXX XXXX admitted they made a mistake and that I wasn't on the lease as a renter I was listed as an occupant along with my XXXX daughter. I reached out to pro collect in regard to my debt the week of XX/XX/2023 they told me that if I get a written letter from the debtor ( XXXX XXXXXXXX XXXX XXXX that they will remove debt from me. I submitted the letter that XXXX XXXX provided and signed to pro collect via fax later that week around XX/XX/2023. They then informed me that they would need to speak with XXXX XXXX. After calling Pro collect they informed me that the debt is still owed even after XXXX XXXX forwarded me emails where she clearly provided the lease agreement and the letter showing and stating that I XXXX XXXX was not on the lease and did not have any signatures proofing the debt isn't mine. They just keep telling me this is all they can do. Last communication was XX/XX/2023. I just wonder how many other people this company is trying to force incorrect debt on.

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 2023-08-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing, Inc. ( SPS ) Sent another " Annual Escrow Analysis '' after having previously informed us that our new payment amount would be {$1900.00}. 
XXXX XXXX on the analysis indicates that our new payment amount would be {$2000.00}, however on the coupon for sending in an advance escrow payment it indicates that our payment amount will increase by {$6.00}. 
SPS has used figures under " current payment '' that represent our payment prior to the " Annual Escrow Analysis '' that was received dated XX/XX/XXXX. 
We question why SPS is allowed to send another " Annual Escrow Analysis '', in a matter of weeks, and given the above discrepancy we have little faith that SPS is handling the escrow account properly. 
In addition, the latest analysis was dated XX/XX/XXXX, to be effective XX/XX/XXXX. 
As normal, since the XXXX HAMP modification, we have paid the mortgage on the first business day of the month, hence the XXXX payment was made on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
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:
Experian has defamed my character, I have tried several times over the last few months to exercise my federally protected right to extend credit and because of the defamation of character and my reputation being damaged based on the information that is displayed on my consumer report, I have been denied credit continuously.

I have also tried several times to contact Experian to have them remove the information, the case would open and 2-3 days later, the case would be closed with no explanation OR it says the information has been updated but there are no changes to my consumer report.

The inaccurate information that Experian has placed and allows to continue to be displayed on my consumer report is making it impossible for me to take care of my family and get the items that we need for my personal household.

There area also inquiries on my consumer report that need to be removed as well.

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