BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 initially contacted Capital One within 2-3 days after a charge for {$870.00} posted to my account. I notified them that the charge was not correct and services had be paid for by other means. I further provided the revised invoice for services which shows that the original amount due was {$850.00}. The merchant misapplied my payment to another account, causing them to charge me again for the original amount due of {$850.00} as well as a {$25.00} late fee - {$870.00} total. The original amount of {$850.00} has already been paid in full and on time, the charge to my Capital One account ( which was on file with the this provider ) includes a duplicate payment and a wrongly assessed late fee. I further provided proof of payment. The claim at one point was paid, and then reversed a short time later. After several months of back and forth and explaining the situation to several representatives, and re-submitting the same information several times, I was told that the claim was denied because it was not filed timely - which is absolutely not true. The only untimeliness involving this claim has been on Capital One 's behalf in their failure to resolve the issue. To deny the claim based on untimeliness, is inaccurate, no applicable and completely prejudicial. 

I have been a Capital One customer for years, and this entire process has been very frustrating and disappointing. I ask that you please take into consideration the forgoing information and re-evaluate the claim in my favor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/XXXX, I sent an investigation request to XXXX  and Trans Union. They are supposed to respond with the investigation results within 30 days. Its been 45 days, and they have not responded yet.

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 2020-12-16
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Called Mr cooper, Nationstar, to get the payoff on my mortgage on XX/XX/15, mailed in a check. Was not cashed after 10 days, called again and was told i could do a check by phone, got my ID and called back and was told, i could not. Spoke to a supervisor and was told my check was sitting there, but i needed an official letter and had to send a certified check. This was never told to me before. I was told my check would be sent back to me and a letter with the correct form to submit for pay off would be sent. It is now 10 days and i have nothing. i am XXXX years old, and believe i am being taken advantage of because of my age, so they can get interest on the mortgage. I had actually spoken to 3 people who all gave me the same address to mail check ; now they are changing the process.these are not nice or incompetent people, or both to do business with. 
My loan address is XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX unit XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: SYNCHRONY FINANCIAL
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:
I received an alert from XXXX XXXX saying that a hard inquiry was done by XXXX on XX/XX/2019. After doing research it is : Synchrony Bank via XXXX. I did not initiate or authorize any new accounts or applications with either institution. I called the number on my XXXX credit report : XXXX ( XXXX ) and the agent looked up my phone number and email address and said that she isn't seeing anything. She emailed ( via XXXX app ) me information on how to dispute the hard inquiry. If there is no record of anyone trying to open a new account, then that means XXXX ran my credit without my permission. I am in the process of disputing it with both XXXX and 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 2018-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX ACC # XXXX, XXXX XXXX ACC # XXXX Were both in a bankruptcy I filed on XX/XX/2014. Both of these accounts continue to update showing negative balances after the bankruptcy was discharged over 4 years ago.

I have tried several times to have this issue resolved the credit bureaus and the furnishers but with no success.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: EQUIFAX, INC.
State: UT
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:
XXXX ACC # XXXX, XXXX XXXX ACC # XXXX Were both in a bankruptcy I filed on XX/XX/2014. Both of these accounts continue to update showing negative balances after the bankruptcy was discharged over 4 years ago.

I have tried several times to have this issue resolved the credit bureaus and the furnishers but with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
ALL CRA REPORTING PUBLIC RECORDS ON CREDIT REPORT ... I NEVER HAD ANY BANKRUPTCY AND ALL AGENCIES REPORTING INCORRECT " PACER '' DATA ON FILE/ NOT MY ACCOUNT ..CASE # XXXX..VIOLATES FCRA PROVISION 604,605,607,611 AND 623 ( A ) ... REMOVE FROM CREDIT REPORT ASAP [

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
When the mortgage NOTE was transferred to SLS  from XXXX XXXX XXXX was it a electronic NOTE? 

Information shows that the NOTE was securitized in 2006 ( see attachment, Line 6. 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 2016-05-10
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX , XXXX repeatedly call me on my cell phone, which is my work phone. When I say Hello, hello, no one is there!!! I repeatedly asked them to Validate this debt, which mentions XXXX and as I see from my credit report is quite old, but they keep sending me a letter saying they are requesting the appropriate documents. The last time they called, I took a photo of the call on my cell number. XXXX removed their entry from my credit report but XXXX is not willing to do so.

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 2019-05-07
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2019 i Called Wells Fargo Mortgage dept to get pre-approval for a home i wanted to buy, XXXX. i spoke with Loan Officer XXXX XXXX and during initial conversation i explained to him that i had approximately XXXX in Student Loans and some medical bills that were being disputed and that i had paid off vehicle and credit card. .and XXXX proceeded to pull my credit and said he would send to Underwriting. within 5 minutes a decision came back from Underwriting with a Pre-Approval. XXXX said he was surprised that underwriting had approved with DTI being right under 50 %. and that my Credit score qualified me for FHA and they had a 3 Point Program that i also qualified for that only Wells Fargo offered. He then directed me to website to fill out application all with his assistance while we both were online and he could see and direct me while i input my information.. He also told me to go to my WF Application and pay {$75.00} so that i could receive {$750.00} to help with my Closing Cost. I was ELATED that i had a pre approval from WELLS FARGO Bank that the same day i put up {$3000.00} Due Diligence fee to secure home and my agent delivered certified check the following day. the following morning around XXXX i received an email informing me that " XXXX i made a significant oversight on your pre approval, your students loans I made a significant oversight on your pre-approval ; your student loans which will make your debt-to-income ratio significantly higher than guidelines permit '' I recommend you disapprove the physical condition of the property and cancel the contract. I deeply apologize for rushing through your loan application with us and for having wasted your time, ..This gentlemen knew that i had put up DD money and bragged about him having over 8 years experience and do allow some other Loan Co do what he just did to me..AND MOST OF ALL HE SHOULD HAVE KNOWN THAT DUE DILIGENCE MONIES ARE NOT REFUNDABLE..I AM DEVASTATED AND WOULD LIKE TO BE REFUNDED MY {$3000.00} AND HOLD WELLS FARGO ACCOUNTABLE. I DID CALL AND FILE COMPLAINT WITH WF ON FRIDAY AND WAS INFORMED THAT SOMEONE WOULD CALL ME AND TO DATE NO ONE HAS CALLED. PLEASE HELP!! I AM A SINGLE PARENT TRYING TO PURCHASE MY FIRST HOME AND THIS HAPPENS WITH A REPUTABLE COMPANY " WELLS FARGO ''

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 2021-03-08
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
THE ACCOUNT WAS CHARGED OFF I PAID THE ACCOUNT BACK IN XXXX TO XXXX THE COLLECTION COMPANY. IT HAS BEEN ALMOST 4 MONTHS AND THE INFORMATION HASNT BEEN UPDATED TO PAID ON MY CREDIT REPORT. I HAVE SENT IN SEVERAL DISPUTES AND EVEN CONTACTED THE COMPANY NOTHING WAS UPDATED. i AM IN THE PROCESS OF BUYING A HOME AND CLEARING UP NEGATIVE INFORMATION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
on XX/XX/XXXX I receieved a notification from XXXX stating I had an alert for a new credit inquiry. ( When I looked it stated XXXX XXXX ). I until todays date have not receieved a 30 day right to dispute letter. I amcertain your company is familiar with The Fair Debt Collection Practices Act states that a debt collector must send the consumer a written notice containing the amount of the debt, name of the creditor and a statement stating they have 30 days to dispute the validity of the debt or the debt will be considered valid by the debt collector. Failure by the consumer to dispute the debt within that 30-day time period is not considered an admission of liability. Once I received the alert I XXXX the company and sent them a letter certified and with return receipt. As you can see the copy of the return label it was signed for by XXXX XXXX or XXXX XXXX ( camt read the had writting ) on XX/XX/XXXX ( see attached ) here we are XX/XX/XXXX and I have yet to recieve debut  vaildation or a letter stating the primary purpose fo rrunning my credit. On my credit report It states I allegedly owe XXXX XXXX XXXX dollars.Attempts to collect debt not owed without vaildation is illegal.I will be filing a consumer complaint with the FTC as well due to the failure to reply with 30 days.Im sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. Therefore you are in violation of this section of the FDCPA. I will be taking legal action against Transunion for defamation of character, Failure to vaildate debut.

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 2019-05-07
Company: EQUIFAX, INC.
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:
My credit card had got stolen, when they was disputing the issue it took over 120 days. They told me no payment was due because, they didnt have a new account number for me. In the mix of everything, they told me no payment wasd due. Then they reported me late. When I tried to get it fix. they told me to write a letter of dispute or dispute it with the credit agency then they would remove it. I have written letter after letter and still to date its reporting as a past due payment on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Bread Financial Holdings, Inc.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I tried to withdraw {$75.00} from my savings account at XXXX   XXXX XXXX, by initiating a transfer, using XXXX 's website, to my account at another financial institution. XXXX 's website indicated that I did not have sufficient funds to make the transfer, My available balance is {$100.00}. XXXX is greater than XXXX. The account does NOT have a minimum balance requirement ( it does have a minimum opening deposit, but no ongoing minimum balance. ) I tried contacting XXXX XXXX XXXX repeatedly and got no response. Out of a combination of frustration and now total lack of confidence in XXXX being a safe place to hold savings, I contacted the bank again and asked that my entire account balance be ACH 'd to my external account at another bank, and that my savings account be close. XXXX has not responded to, nor acted upon, this request. 

I'm concerned that my funds may be lost forever. It's not a high dollar amount, but it is my money, and I'd like it back. 

In the interest of full disclosure : I'm an employee and a shareholder of Alliance Data XXXX. Alliance Data XXXX is the parent company of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-06
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Ive tried to talk to a human and Im convinced this company that is calling is fraudulent. Im also convinced I do not owe them any money because I pay my debts, even if Ive had to pay late. You can not talk to a live human on the phone, its ridiculous! They call anytime of day, several times a day ... there is no end in sight!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 write to this credit repository last XXXX XXXX, XXXX. I have disputed two accounts, XXXX XXXX and XXXX. Both accounts have been reporting incorrect, inaccurate and incomplete information. These account has been reporting incomplete and inaccurate late payments. credit bureaus show either " no data '' or " unknown in most months in my payment history. They are also reporting " 90 days late '' without prior late?!. Account # XXXX has been removed/repaired. But account # XXXX, still reports the error violating FCRA.

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 2020-05-01
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid off this loan on XX/XX/2020. My credit report as of XX/XX/XXXX still shows this account open with a balance not taking my payoff payment into consideration. Therefore it would have been appropriate for my credit report to show this paid off and closed as of XX/XX/XXXX. It seems the Bank does not have appropriate controls in place to ensure accuracy of customer information submitted to a credit reporting agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-04
Company: Experian Information Solutions Inc.
State: CA
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:
I have an incorrect account reporting to my Experian and XXXX  credit report. I have tried to resolve this with both Experian and XXXX  with no response from either companies within 30 days. I have provided proof of delivery 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 explanation
Consumer complaint received 2021-02-10
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX  ; Experian and XXXX  should not be reporting each inquiry listed as a separate line item on my credit report for XXXX and XXXX. These multiple inquiries in are well within the shopping window that is typically allowed to check different lenders and find the best loans. Each one of these inquiries listed are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score and they need to be removed from my credit report. ( Please see pages attached from my credit report. ) This false reporting of multiple inquiries is seriously harming my credit score. Please update to report only one line item for each. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2018-07-30
Company: Freedom Mortgage Company
State: VA
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 attempted on four separate occasions to correct this problem via the credit bureaus. It appears that Freedom Mortgage is not will to correct the issue. Per their own correspondence to me, they stated they would report the account as " Settled in Full for less than Owed. '' They are however reporting this as a foreclosure and it cost me finances on XX/XX/2018.

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 2021-09-16
Company: JFQ Lending, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Receive various notices in mail about unwanted FHA loans. This company makes it look like its from the government but its not. They refuse to stop sending them to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
A payment of {$1500.00} was sent to Ocwen on XXXX/XXXX/15 as an additional principal payment on my loan. another payment of {$1800.00} was sent on XXXX/XXXX/15 as the actuall mortgage payment. Ocwen added a fee of {$49.00} to my statement assuming that the {$1500.00} was the true mortgage payment of {$1500.00}. They adjusted it, yet continually re-add the {$49.00} fee to my statements so my principal balance is always {$49.00} higher than should be. 
In frustration I sent a letter to ocwen on XXXX disputing, and they continue to say account is corret.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: State Collection Service, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
State Collection Services Inc. 

XX/XX/XXXX - {$0.00} XX/XX/XXXX - {$0.00} XX/XX/XXXX - {$0.00} XX/XX/XXXX - {$0.00} XX/XX/XXXX - {$0.00} XX/XX/XXXX - {$0.00} XX/XX/XXXX - {$0.00} XXXX {$0.00} XXXX {$0.00} XX/XX/XXXX - {$0.00} XX/XX/XXXX - {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} All show open status, derogatory Mark 's, zero amounts owed, remarks on Credit report state XXXX Bankruptcy Chapter XXXX. I have contacted them thru multiple letters and emails to please close accounts and provided proof of my Chapter XXXX Bankruptcy as of XX/XX/XXXX. As of XX/XX/XXXX, over a year now ... ... all are are still listed on my credit report. I'm unable, at this point to seek further care from these medical professionals due to these still being listed as BAD DEBT on my medical accounts. All because State Collection Services Inc., has not provided their clients with my updated information.

Company response to consumer: Closed with explanation