BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-21
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
On or around XX/XX/2017 I disputed account with XXXX # XXXX. They sent a letter denying any inaccuracy. They sent documents but didn't have original documents nor signature verifying this account to be mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: EQUIFAX, INC.
State: PA
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:
My Identity was stolen and fraudulent accounts were opened in my name with my social security number. Because of the fraudulent information on my account Equifax and XXXX  will not verify my identity and won't provide me a solution to how I can access my credit report to dispute the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Cares Act during the period of payments on federal student loans are suspended by the Department of education any payment suspended by the department of education is to be reported as if regularly scheduled payment made by the borrower.

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 2019-01-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
I continue to receive credit card offers from CapitalOne at my home address. This is an issue from several perspectives : 1 ) Mail Theft - Someone can steal the promotion and with enough information obtain a credit card in my name without my knowledge. CapitalOne offers a " personal application code '' to make stealing my identity even easier 2 ) I have called and opted out of CapitalOne solicitations and yet I continue to receive these offers. I have NOT done business with CapitalOne for over 15 years because of their abusive credit business practices 3 ) I have  submitted the form with my name from the XXXX website to be permanently removed from all credit solicitations. All OTHER credit card companies have stopped sending solicitation yet CapitalOne apparently IGNORES this request 4 ) There is no CLEAR way to opt out of CapitalOne solicitation either in the mail solicitation or on-line. If you search online for CapitalOne and opt out you will see this frustration with various suggestion on how to opt out but no CLEAR way to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: Auto Trakk, LLC
State: MI
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 is an repossessed car that was fraudulently put in my name. I've asked for to be shown validation of debt on numerous occasions, but to no avail. I've sent in paperwork and police report showing it wasn't my vehicle and yet XXXX  won't remove said item. My next and only recourse if this matter cant be resolved its to take legal action against XXXX and the company AutoTrakk LLC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
The amount for my loan has increased, which to me makes no sense this has never happened before and I have been making payments on time every month for the past year. I have previously been placed on a wage garnishment which was supposed to be because they were not receiving a XXXX $ monthly payment, if it wasn't the payment then it was paperwork. I also had made payments to a company who told me that they could help avoid the garnishment and get me on the right track which turned out to be a lie. ( wasted money, time, effort, and personal information ). My original loan amount was XXXX and that tripled to XXXX which i had gotten down to XXXX but is now back up to XXXX and I have never owed that much in student loans. I have yet to receive paperwork on how Navient is charging me interest, which as i said has never before happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Contributor : BANK OF AMERICA Contribution Ref # : XXXX XXXX Number : XXXX Account Number : XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, MD XXXX SSN/Tax ID # : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Type : Driver 's License/USA ID State : MD Incident Date : XX/XX/XXXX Principal Loss : {$0.00} Contribution Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner I deposited a check from my account the check had my old account number on it. and the bank placed a fraud alert on my account. I told the teller that My dad XXXX and I had to close our joint account but I still had an account there. they flagged my account and closed it. I owe no money. I brought in my dads XXXX XXXX and our close account information along with my pen account information and they refused to reopen it. or remove the flag.

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 2020-06-27
Company: Results Unlimited, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/20 Results unlimited collected XXXX all the money we saved for a place of our own to live now they are holding XXXX from the same account. the original debt was for XXXX dollars. ( XXXX XXXX dollar. ) The check for ( XXXX ) was sign and cashed by their staff but was not reported as paid to courts. Our bank has the sign copy of the check. 
Results Unlimited XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 making a request to have All Closed accounts on ALL 3 credit reporting agencies : Transunion, XXXX, and XXXX, DELETED from their databases. 

All three credit reporting agencies have not deleted items off my report since I have requested multiple times for them to do so as they have not provided me the Original Signed Documents for any of the accounts that are listed and would allow them to report any of the accounts on all 3 reporting agencies.

items are past or near statute of limitations and bare no such right to be on my reports at all as accounts are Old, Closed, and have not been deleted and resolved upon my previous requests. 

I have attached the disputes I have sent to them showing details of dates, names of accounts etc.. that need to be deleted immediately.

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 2019-11-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Im a woman in XXXX XXXX, so this is the wrong place to make a complaint. 
However, out of despair for being stuck in a city that has recklesly abused me discriminated, harassed me, due to various indiviudals and a former corrupt mayor. 

I recently opened a HSBC bank account, they were rude, something odd was going on have had some media and an ex, his friend sister works for XXXX PR XXXX XXXX Im not sure, but she might have been contacting my bank to mess with me, leaking my bank account data and other security data. A shopping center and various other companies have gotten full access of my data, the HSBC bank in XXXX XXXX might have disclosed all of my data. The police wont help and they are very corrupt in this city, the FCA haven't helped much. Its caused me a lot of distress, hackers have also been targeting me. Is there another organisation that I can contact?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This was a fraudulent account that was open and i disputed everything with XXXX, XXXX  and XXXX  and it was removed from my credit report. I guess this diversified collections didnt like the result and keeps calling and harassing me. I told them several times to stop calling but they keep on going. Its more a nuisance at this point cause they just wont stop and i feel i need to change my number

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Order XXXX On XX/XX/20 I returned a compact 1.5 cu ft dryer to XXXX XXXX on XXXX XXXX XXXX XXXX in XXXX XXXX, NV. XXXX. Supervisor XXXX & cashier XXXX, whose name is on return receipt stated my having closed Paypal account after purchase on XX/XX/20 would not place return in limbo. Today, XX/XX/20 XXXX stated refund landed at Paypal who refused to issue to my bank. This is theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-01
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX, IA XXXX To Whom It May Concern : My name is XXXX XXXX XXXX ; and I am submitting a complaint against Ditech Financial LLC, that holds the mortgage on my manufactured home. I began the purchase of my home in XX/XX/XXXX and made the first payment of {$170.00} in XXXX of the same year. Now, twenty years later, after having paid 237 of 240 payments, my loan is at maturation. One of those last three payments was deferred a few months ago. The other two, I have refused to pay, until I receive the fully itemized account of my payment history, including the amount of the loan ( {$17000.00} ), the fixed rate of interest of 9.5 % ( no idea as to how it has been compounded ) ) ; the amount that has been applied to the interest, and the amount that has been applied to the principal. I made three oral requests in XXXX, and then one by email ( sent XX/XX/XXXX ), as I was finally instructed. On that same day, I was sent a reply from Ditech that my request had been received, and a representative would be in contact with me. 

A representative did indeed call and simply started asking me questions for which the answers were in my written request. I told the representative that I wasn't answering any questions ; that everything was in the email. I then told the person to simply send me the information I had requested ; and then we would talk. This is XX/XX/XXXX, and I have yet to have that requested information sent to me. However, representatives from Ditech continue to call every day, sometimes twice a day. 

Since the date of my first payment, I have paid 237 payments at {$170.00} a payment, for a total of {$40000.00}. That is on a {$17000.00} loan. I would think that my debt would be satisfied ; but Ditech still has me owing {$3400.00}. ( Three home owner 's insurance premiums ( that's another story ) of {$84.00} each, are included in this amount. ) In conclusion, I am of the opinion that my debt has been more than satisfied. I can not know for a certainty, one way or the other, though, without the information I have repeatedly requested. Therefore, I submit this complaint to you in hopes that you will help me resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
AFNI, Inc is reporting to my credit that my collection was paid. I never paid AFNI, Inc. I was contacted by the CEO office of XXXX  because I am currently in the Military and had an issue with my XXXX bill. They gave me a chance to pay the total amount. I had two accounts requesting for me to pay my XXXX bill. AFNI, Inc and XXXX XXXX XXXX XXXX was on my credit report requesting the same amount. After paying my amount to XXXX, XXXX XXXX XXXX XXXX deleted the collection on my account. AFNI, Inc did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: Georgia Student Finance Authority
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 status incorrect

Complaint:
On Georgia student finance its states i was passed due for 60 days. & I sent my enrollment paper that stated I was still in school. & my information have not been updated. & if you could help me get the information that would be great.

Company response to consumer: Untimely response
Consumer complaint received 2020-09-23
Company: AXOS FINANCIAL, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home at XXXX XXXX XXXX XXXX XXXX, Az. in the XXXX  of 2020. The lender XXXXXXXX XXXX  XXXX # XXXX, listed the balance on the statement of XX/XX/XXXX XXXX20 as XXXX which included principal and interest and fees. The refinancer Axos bank 's loan XXXX, quoted no fees and listed an incorrect balance of XXXX that they said they got from XXXX. I paid with the XXXX Invoice from XXXX XXXX, ck XXXX on XX/XX/XXXX. They sent back a repayment to me after several weeks. I called XXXX and they said they had also been over paid XXXX. XXXX, and sent me a check for that amount several weeks later which I then sent to Axos on XXXX XXXX ck # XXXX to be used against the balance. I have paid Axos XXXX ck # XXXX, XXXX ck # XXXX and XXXX ck # XXXX. I received an an invoice today XX/XX/XXXX20 due XX/XX/XXXX20 for total due of XXXX with a balance of XXXX and a late charge of due XX/XX/XXXX of XXXX. I have communicated by letter email and phone with Axos with no response to the amounts owed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: DISCOVER BANK
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Discover has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I did an assumption two years ago to take my ex husband off of the mortgage. Last year, my tax statements went to his new address. I called them and had it fixed. I just paid the mortgage off and was checking to see if my escrow payment was coming to me yet. I noticed they just changed my address to his new address. I know he just bought a house. Why does my accounts keep on being changed to his address? I dont understand because he longer had anything to do with that mortgage or with me. I do not want my tax statements going to him. I believe my escrow is coming to me because it was mailed before the address changed. There also might be an overpayment but I am not sure. I dont want that going to him either. 

How does this bank not have controls in place to avoid people changing addresses that are not on the account? This is how fraud happens and also people have privacy concerns too.

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 2021-05-03
Company: EQUIFAX, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial XXXX and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
have had no access to the mobile app since they started requiring two step verification and they REFUSE to send me the code. I have been waiting for them to address my issues with their " digital escalation team '' for more than two months. Now They have revoked my online access, I have no access to my account in any ay and they refuse to help. Further they refuse to send me statements. They refuse to deal with me or help me at all. They have been acting this way and refusing to help me ever since I deployed with the military. The only thing they ever tell me is " We have to investigate and will call you back '' They never call back. I believe the law requires them to provide me with a statement which they refuse to do I had a previous compliant they stated I have online access and I do not. I still can not loggon to the website. 
They still refuse to call me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01
Company: EQUIFAX, 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:
equifax has held some inacurate inforation on my credit report and wil not remove or delete : XXXX XXXX XXXX Unverified Account- NOT MINE XXXX XXXX Unverified Account-NOT MINE XXXX XXXX XXXX Unverified AccountI NOT MINE XXXX XXXX XXXX XXXX Unverified AccountI NOT MINE XXXXL XXXX XXXX Unverified Account- NOT MINE XXXX XXXX XXXX Unverified Account- NOT MINE XXXX XXXX XXXX Unverified Account- NOT MINE XXXX XXXX Unverified Account- NOT MINE XXXX XXXX XXXX Unverified Account- NOT MINE XXXX XXXX XXXXXXXX XXXX Unverified Account- NOT MINE XXXX XXXX XXXX XXXX  XXXX Unverified Account- NOT MINE Unverified Account Inquiries XXXX XXXX XXXX/XX/XX/18 Not Mine. 
Inquiries XXXX XXXX XXXX  XXXX XXXX/XX/XX/18 Not Mine. 
Inquiries XXXX XXXX XXXX/XX/XX/18 Not Mine. 
Inquiries XXXX/XX/XX/18 Not Mine. 

THE FROLLOWING ADDRESSES : Address XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX, XXXX XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX This address does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: CITIBANK, N.A.
State: CO
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:
On XX/XX/2021, my card was charged for a service I did not receive in the amount of {$390.00} I notified the card and filed a dispute on XX/XX/2021 On XX/XX/2021, Citi notified me that that were ruling in the vendor 's favor even though the vendor did not respond at all. 

This is contrary to the CFPB law, which indicates that a vendor must respond within 30 days.

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 2021-08-14
Company: SF VAGO, LLC
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 status incorrect

Complaint:
I have paid on my State Farm account on time. State Farm has reported a late on my credit report. I provided them with information that I tested positive for COVID 19 in XXXX XXXX and couldnt leave the country due to COVID 19. They refuse to give me a COVID 19 extension, I still attempted to pay on XX/XX/XXXX and the funds were debited from my account onXX/XX/XXXX because it was by a electronic check. The company reported a late to my credit report that has impacted my credit ratings. I am attaching proof that I sent to State Farm concerning the late payment was made on time and medical documentation of COVID 19

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: EQUIFAX, INC.
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:
Another person 's credit information is showing up in my credit report I have only one major credit card under my name but lot of information coming up isn't related to me

Company response to consumer: Closed with explanation