BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX dates late as of XXXX XXXX dates late as of XXXX XXXX dates late as of XXXX XXXX dates late as of XXXX XXXX dates late as of XXXX XXXX dates late as of XXXX XXXX dates late as of XXXX XXXX dates late as of XXXX XXXX dates late as of XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I did not worry about making a payment when i was not recieving statements becasue i thought that loans were in defferment

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 2019-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I went to co sign for my partner e. car and was denied. I was totally surprised because I have severe.I paid off cars on my credit. I went and pulled my credit and there e.re things on my credit that are not mines. I contacted my local police and FTC. Imm also doing this on my own behalf. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX. Please remove these items from my credit. I

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 2020-11-05
Company: AMERICAN EXPRESS COMPANY
State: NY
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 rewards from credit card

Complaint:
In XXXX, was pre-approved for an AMEX cash card based upon an offer of {$150.00} statement credit if {$1000.00} was spent in the first three months. I agreed to these terms, and after charging the {$1000.00} in the first month, I inquired about the statement credit and the rep told me that it would be credited after 3 billing cycles. Last week, after still not receiving the credit, I was told by another rep that my inquiry would be escalated. Today a supervisor told me that I did not qualify for the credit for unexplained non-specific reasons such as having too many AMEX cards ( I have only 2 current cards ) and that somehow I agreed to waive the credit when I applied for the card! This is patently untrue. AMEX has cheated me out of my earned credit. Please escalate this .to a Manager, which the supervisor " XXXX '' refused to do today.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Constar Financial Services, LLC
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In or about XXXX, XXXX XXXX forged her ex-husband 's name XXXX XXXX, to a student loan application for their daughter XXXX XXXX. 
The forgery was reported to the police and an Identification Theft Affidavit, police report, copies of identification were provided to the creditor. 
Collection efforts continue.

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 2020-10-22
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, and I hope all is well. While reviewing the credit profile to XX/XX/XXXX/Equifax/XX/XX/XXXX the number of uncertain tradelines continues to be placed when the debt was completely satisfied and not settled. XXXX has a third-party collection agency that failed to comply with the Federal Credit Reporting Act. XXXX XXXX XXXX has purchased a debt already satisfied with the primary creditor. With the continued failed practices, this is a violation of the law, which decreases my credit score and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: Pressler & Pressler, LLP
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX. call me all time of the day and night took me to court.with outNOTICEfild me.sending threating mail.e.c.t i inform them this is not my some one are using my ss # i took step to lock my credit report.the last threating letter i got from them on XX/XX/2018 also they are adding money on every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
The 3 Credit Bureaus failed to notify me about the issue on CAPITAL ONE BANK USA N with account number XXXX. Thus, I have seen a lot of errors in the recent report which is not acceptable since it is hurting my credit score tremendously. There is no complete payment history and remarks were totally different from each of the bureau. This account should be removed since it is no longer used unless they can provide proof to validate the result of their investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-17
Company: Rocket Mortgage, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2020 - Received a call nearly every day from Quicken and finally decided to pick up on this day to get them to stop calling and spoke with an 'Associate Banker '. He shared with us new rates and discussed a possible refinance. 
XXXX - XX/XX/2020 - Did our due diligence and shopped around with multiple lenders to compare rates and products XX/XX/2020 - Came to an agreement with Quicken and received an 'Interest Rate Disclosure - ( Locked Rate Version ) ' with a loan estimate showing a 30-year conventional at 2.99 % with 0.75 % points for our Cash-out refinance. Acknowledged this agreement through their online portal. 
XX/XX/2020 - Signed and provided all necessary documentation through their online portal XX/XX/2020 - Contacted our 'Associate Banker ' asking for status of closing and if there were any issues. He passed us on to the Client Care Specialist team, heard no issues. 
XX/XX/2020 - Received appraisal for expected value of home. 
XX/XX/2020 - Received new Interest Rate Disclosure package increasing closing costs nearly {$25000.00} with no explanation XX/XX/2020 - Contacted Quicken requesting why our costs changed so much XX/XX/2020 - Received a call from a 'Solution Consultant ', explained the situation and he said there was an issue with the pricing we had previously locked in. He said he would get back to us by the end of the week. 
XX/XX/2020 - Solution Consultant emailed us and said he was working with senior leadership and would know more information Monday XX/XX/2020 - Received a new Interest Rate Disclosure package bringing down the closing costs, but still nearly {$7000.00} different from our original locked in agreement. 
Received a call from a Director of Solution Consultants. She said there was an internal error and that they wouldn't be able to give us our original locked in agreement, the 2 % discount points was the lowest she was able to go. 
We got a quote from a competitor and asked if they could meet us halfway and at least match that and bring the discount points to 1.197 %, they said no. 
We researched on their website and found their policy states that these origination fees are in the XXXX tolerance category and can not change, if they do change the lender is liable for the difference. We asked them how they can disregard that policy and they replied with " We are not able to cover anything additional at this time. Im sorry that the wrong expectations were set originally. Ive attempted to cover as much as possible for you. The best offer that we have is what I went over with you and your spouse. '' They then passed us on to their Executive team and we have not heard anything from them yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
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: Account status incorrect

Complaint:
Based on State law this account exceeds the State of California 's Statute of Limitations. Please verify all information is correct and does not violate consumer and State law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When the Coronavirus Pandemic began, the Governor closed both of my XXXX XXXX. I contacted Bank of America and worked out a series of two loan forbearance plans. I received confirmation in the mail for the forbearance. I recently called to let Bank of America know I am back on track and made monthly payments via electronic bill pay through XXXX. 
I was told by the BOA representatives they don't see the forbearance plans nor authorization for forbearance. I told them I had letters and emails to prove this was offered and accepted. They began telling me I needed to fill out a multiple document approval form ( s ). I reminded them I was not told this during the initial approval. Bank of America debt collectors are demanding payment in full on my primary Mortgage & HELOC immediately. They sent a packet to me via email that is secured and I am unable to open. Several others are reporting similar treatment from BOA. At one time during the conversation, the rep. Told me BOA had a transition and some of the data may have been lost?? She seemed very confused and uncertain. The second rep. From another dept. Was extremely rude and kind of told me off. 
I no longer feel comfortable with Bank of America or their associates. 
I have a XXXX year old son and XXXX years of age. Please help me. 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 explanation
Consumer complaint received 2020-09-02
Company: Receivables Performance Management, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, Receivables Performance has flagged my account as collections on XX/XX/XXXX for balance {$340.00} to credit bureaus. In reference to that activity I have requested to raise a dispute of amount {$340.00}. I used to live at XXXX XXXX during that period I have signed a contract with XXXX XXXX XXXX XXXX and also had XXXX XXXX XXXX internet. Due to JOB I had to relocate to XXXX XXXX XXXX. I have requested to move my XXXX XXXX XXXX services both internet and XXXX to XXXX XXXX XXXX via customer service call. On that day a customer representative informed me XXXX XXXX XXXX services were not available in XXXX XXXX XXXX, hence the representative suggested cancellation of services and told me early termination fees will be waived in my case as XXXX XXXX XXXX is unable to move my services to my relocated place. Upon that confirmation I have placed all XXXX XXXX XXXX devices including internet modem and XXXX devices in a box and dropped in XXXX. Please find attached confirmation of XXXX XXXX XXXX equipment return. XXXX representative used only XXXX XXXX XXXX internet modem as primary shipping label and clubbed all XXXX XXXX and modem devices in one box and shipped to XXXX XXXX XXXX returns. I am still an active XXXX XXXX XXXX customer for a long time and used their many services in the last decade, why would I default {$340.00}? Anyways after stressful conversation with customer representatives I made payment as I no longer have patience. Never had any late payments to XXXX XXXX XXXX ( been with XXXX XXXX XXXX since XXXX ) or any other account. This negative flag has impacted my credit reporting. This is impacting my home purchase at right time.

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 2020-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XXXX XXXX, 2019, XXXX XX/XX/XXXXadd a hard inquiry on my credit report per XX/XX/XXXX and XX/XX/XXXX. 
On XXXX XXXX, 2019, XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXXXX/XX/XXXX andXX/XX/XXXX. 
On XX/XX/2019, CAPITAL ONE add a hard inquiry on my credit report per XX/XX/XXXXXX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-22
Company: ONLINE Information Services, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/2019, I attempted to open a utility account with XXXX XXXX XXXX. They told me because of my credit report, I would have to pay a big down payment in order to receive utilities. I had a roommate so she opened the account in her name. They sent me a letter dated XX/XX/2019, which stated that I had a bad mark on there and a utility debt owed to XXXX XXXX. I called XXXX XXXX to see who and what they were. They told me that I had a debt of {$94.00} for services that I had received in XXXX XXXX Florida. I explained to them that I did not live in XXXX XXXX Florida and someone must have opened the account with my name. The people used my name and Social security number to open the utility account. They did not pay the remaining balance of the debt. Now it is on my credit report. XXXX XXXX told me that the perpetrators also used my information to open an account in XXXX XXXX Florida. The perpetrators were living at an address at the active account and XXXX XXXX said that they would immediately turn the energy off. XXXX also gave me information to report the identity theft. I started the process of reporting the identity theft. Due to the holidays and then Covid 19, I forgot about the process. I found the papers in my drawer and started the process again. I called Online Information Services and they told me unless they have the police report, they can not remove the account from my credit report. I called the XXXX Kentucky Police Department and they told me to call the XXXX XXXX Police Department to make the report. XXXX XXXX told me that I needed to call the XXXX Police Department to file the report. I then asked to speak to the police chief at the XXXX Police Department. The chief department told me I needed to call the FBI to file the report. I went online and sent a report and I have not heard anything back since. I have XXXX XXXX and do not have the energy to continue this process. I called the online information services and they told me that until I get a report from the police department I would not be able to get this written off. How do I proceed from here.? No one is helping me file a report. Can your service help me to get a police report so that I can file this and get this taken off of my credit report. This is the only negative report that I have on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
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: Public record information inaccurate

Complaint:
XXXX continued to bill us after cancelling their service, multiple contacts made with them to remove the billing we should not have been billed for. They sent us to collection, we settled it to just be done with dealing with them. 

I cancelled XXXX XXXX XX/XX/XXXX of XXXX, we were not on contract. I disconnected all equipment and waited to send it back. 

I called multiple times to remove the billing, they billed me through XXXX of XXXX, two additional months. When talking with them, they acknowledged the billing should not have continued, but nobody was able to stop it and I was forced to pay for services we did not use. 

XXXX can and has verified all of this, they've also verified the equipment was disconnected and sent back. They have been unwilling to remove the inaccurate collection.

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 2019-02-12
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Hi there, My name is XXXX XXXX and I'm reaching out in regards to the lawsuit against Navient - the student loan provider. As I'm sure you are aware, there's a lawsuit against them for not letting students know about forgiveness options - I would like to know what the status is, how I can be entered in the lawsuit case and what I can do to move this forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: 2288984 Ontario Inc.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a phone call on my work phone on XX/XX/XXXX at XXXX XXXX, from a guy whom never stated his name. It caught me by surprise because he addressed me by first and last name, he state that he was hired by a company to investigate and track me down for a debt that I owe and if I did not pay this debt within 48 hrs he was going to come to my job and serve me papers to have my wages garnished. I asked whom was the company that hired him he stated he did not know that information but if I wanted to contact them I could call them and settle the debt, so that he would not have to serve me at work. I wrote the information down and contacted the number he provided me, I provided the woman with the case number and she told me that I owed {$530.00} ( to XXXX ) with a {$6.00} processing fee. If I did not pay that amount immediately they were going to garnish my wages for triple that amount. Which made me fearful, I promptly made the payment so that he wouldn't come to my job and have my wages garnished. My bank wouldn't allow a debt transaction over {$500.00} in one day so the payment would have to be broken into 2 payments.On XX/XX/XXXX I paid {$490.00} plus {$6.00} processing fee, the women emailed me an receipt. The next day XX/XX/XXXX the second payment for {$49.00} plus {$6.00} processing fee was made but I never received a receipt or paid in full letter as the women said she would email to me. On XX/XX/XXXX I tried to contact that same number to have them send my paid in full letter the phone number no longer workers. I've called the phone number on the invoice/XXXX and left a voice mail and have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Santander Consumer USA Holdings Inc.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Loan to Chrysler Capital was paid off in full {$31000.00} with checks ( {$30000.00} + {$1500.00} ) in USPS Tracking Number : XXXX - Your item was delivered at XXXXXX/XX/XXXX on XX/XX/XXXX in XXXX, TX XXXX to XX/XX/XXXX XXXX. The item was signed for by XXXX XXXX. 
on XX/XX/XXXX Chrysler still showed I owed {$1500.00} on the XXXX XXXX XXXX pickup truck. and have not released the Title to the new lienholder. 
My Check # XXXX for {$1500.00} has not cleared my bank to date XX/XX/XXXX, and Chrysler Capital is not planning to assist in locating the missing check, and offers no compensation to

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Synovus Bank
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I brought this problem up to first progress about my car being sent to collections I paid the collections and they still have nine charge offs reporting on my credit report I called and asked them to remove and they gave me the runaround

Company response to consumer: Closed with explanation