BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
My complaint is against Capital One Bank, in 2020 when covid was raging I was approved for unemployment in XXXX through a hearing when my payments abruptly stopped through no fault of my own, the ceased payments caused me to get XXXX miss payments in XXXX & XXXX. I have NEVER had a missed payment EVER with my Capital One accounts, Card or Auto and as soon as I had the money I paid my account. I have spoken to Cap One and even offered cash to remove the missed payments but all they would say is that they were running a program for covid hardship and since that's closed theres nothing I can do, but my point is I didn't know of said program nor had the ability to learn of it due to I couldn't pay for cable and would have went homeless if not for the eviction moratorium. As a Capital One member that all but those XXXX missed payments has exceptional payment history should be cut some slack with this.! It wasn't my fault the money stopped, I am high risk plus couldn't get childcare to work there was literally nothing I could do. I personally feel as if I'm being bullied for something that was out of my control and I really need some help to clear this egregious oversight up Please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-04
Company: Synovus Bank
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Good Afternoon, We are having a problem with our bank, BMO Harris Bank. On XX/XX/2019 we made a deposit to a personal checking account. the deposit was a check drawn on a foreign bank account. The deposit was acknowledge by the bank teller. We got a copy of the check and a copy of the Domestic & Foreign Items Collection/Cash Letter Form. 

On XX/XX/2019, a letter was issued and mailed. It was a letter acknowledging receipt of the mentioned collection and it being presented for payment. 

On XX/XX/2019, a letter was issued notifying that the collection item was not going to be paid. The reason was THE LEGAL PERIOD FOR PRESENTATION WAS EXPIRED. On the letter is states that the item was enclosed, but it was not. Only a photocopy of the check was attached to the letter. 

Since then, the branch has not been able to obtain the original check back. The bank in XXXX requires the original check to be returned. It has been 5 months now, and the bank has no answers for me. They can not locate the original check. The letter form received when the check was deposited states that the unprocessed item was to be returned via mail. No one is able to help get a phone number for the legal department or a XXXX Rep. Is there something that can be done and can you help me? If so I can email you all the supporting documentation.

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 2019-05-15
Company: Capital Markets Cooporative, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called CMC Funding XX/XX/2019 to get a payoff amount on my mortgage, first payment due XX/XX/2019 but sold my former home so I wanted to pay in full. Sent a certified check for the full amount on XX/XX/2019 knowing there would still be interest owed. Called XX/XX/2019 to find status since I received a letter saying I now owed two months of mortgage payment. Was told if a check for the shortfall was not received by XX/XX/2019 my original check would be returned. Immediately the doorbell rang, there was UPS with my original check, on the XXXX! I called CMC, spoke with XXXX who gave me an additional amount to pay. Left for the credit union right away, wire transferred the original amount of {$320000.00} plus an additional {$1900.00} in interest. On XX/XX/19 received notice of foreclosure. Called immediately, spoke with several people who claimed a shortfall letter had been sent ( I never received anything ) interest was still being charged, yes they had my wire transfer but it had not been applied since it was not the full amount. I asked how I was supposed to know this and they said a letter had been sent. We went around and around until finally I was given an additional amount to wire transfer to stop the money bleeding. A claim was supposed to be initiated, I did receive a check for {$160.00} for escrow (? ) but no additional explanation. I don't feel I should owe any interst after XX/XX/19. Customer service did nothing but give me the runaround, made it difficult to payoff the mortgage and I still don't think they have been accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Many late mortgage payments are currently being reported to all three credit bureaus by Wells Fargo Home Mortgage and those late payments are showing up on my credit report. The property ( XXXX XXXX XXXX, XXXX XXXX, FL XXXX ) was deeded to my ex-wife, XXXX XXXX, on XX/XX/2013. I was not financially responsible for the property at the time the late payments were made. I have contacted Wells Fargo Home Mortgage multiple times to resolve the matter and have never had the situation resolved. I am requesting that all of the mortgage late payments be removed to correct the information. 

Property Address : XXXX XXXX XXXX, XXXX XXXX, FL XXXX Account # 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 2019-05-15
Company: Atlantic Recovery Solutions LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This morning I received a message at my place of employment ( XXXX ) XXXX from XXXX XXXX supervisor from Atlantic Recovery Solutions letting me know that I havent made a payment since XX/XX/2019. And he wanted me to call him back to make a payment arrangement before XX/XX/2019 or else he was giving back the account to his client so that they file suit against me. Scared to death, which for the record this is the THIRD notification to this company advising them that I am NOT allowed to receive personal phone calls at work. I called XXXX back and let him know please dont call my job that he needs to call my personal cell number and I asked for my account number so that I can make a payment online he said no he wasnt giving it to me that I needed to pay off the balance of {$500.00} I told him no that I dont have that and that I will make a payment online he kept telling no about account number when I asked for it and that he was making a note that I refused to make a payment, and threatened me that the next step was wage garnishment. I let him know that I am not refusing I am asking for my account number and he wont give it to me. I also let him know he cant do that as along as I make a payment. He told me I dont know this work " honey '' and I told yes I do he hung up on me. I called him back asking for my account number he wouldnt give to me that I have to make a payment over the phone I let him know I dont give my credit card information over the phone but that I will do it online he said no because back in XX/XX/2019 I suppose to make a payment online and I didnt I let him know that I honestly got side track do to me being at work but that I have everything ready to go on my computer screen I just need my account number he once again said no that I have to pay the full amount of XXXX right now over the phone. I told I dont have that but I will make a payment online and he said no and hung up. I have never felt more threatened, disrespected, and intimidated in my entire life.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: BMW Financial Services NA, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a loan with BMW financial my payments are automatically taken from my XXXX XXXX checking account each month. I had this load almost 2 years now. I don't know the reason why and BMW financial  never told me the reason why the payment of {$1100.00} for XXXX XXXX XXXX was taken from my bank account twice causing XXXX XXXX XXXX to charge me overdraft fees and put other wrongful limits on my checking account. I call them and let them know that and they stop the reaccuring draft because it tried to get withdrawn several times. But XXXX XXXX XXXX still did not take out those overdrafts they just refunded a portion of the fees and I just have to live with those over drafts on my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan is with SPS Select Portfolio Servicing. I was sent two separate XXXX  Cancellation debt one for XX/XX/XXXX of in the amount of {$91000.00} and one for XX/XX/XXXX for the amount of {$76000.00}. I have file both XXXX on my taxes. Both years have been adjusted on my taxes. Both amounts have been added back into the loan. Which has increased the of my loan to {$380000.00}. I was informed from several agencies that those amounts should not be added back into the loan because these amounts have been sent to the IRS as a forgiven debt. Which means they have said they can not collect the debt. So why are the added back into the loan. The explanation The servers is say is that because the loan modification was not completed. The amounts have been added back into the loan. So they get the tax break from the IRS and still get to add it back into the loan. 

I have been trying to get help to get help with my loan and I don't qualify because of the amount stated on my statements. 

I need help getting this corrected so I can get my mortgage back on track.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: Navient Solutions, LLC.
State: CO
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:
There are large swings in the amount that goes to Principal and the amount that goes to interest month to month. That is not how an amortization table works I have never missed a payment on any loan. 

I have been paying on these loans for years and to have no principal reduction in the last 2 months and 100 % going to interest one of those months suggests foul play. This is not the first time I have asked why this is happening, its happened multiple times and Navient blow me off saying that it is just day counts of interest. Please perform a full audit of my account. 

I understand daily compounding and days per month will have slight changes in the amounts to the amounts. 

Is Navient incompetent on every level or is Navient stealing from me? 

Here is the most recent example Account Total XX/XX/XXXX Payment - {$79.00} Principal - {$16.00} Interest - {$63.00} Fees - {$0.00} XX/XX/XXXX Payment- {$79.00} Principal- {$66.00} Interest - {$12.00} Fees - {$0.00} XX/XX/XXXX Payment- {$79.00} Principal- {$29.00} Interest - {$50.00} Fees - {$0.00} Loan # 9 ONLY XX/XX/XXXX Principal {$0.00} Interest - {$51.00} Fees {$0.00} Total Payment - {$51.00} Unpaid Principal {$6600.00} XX/XX/XXXX Principal {$0.00} Interest {$0.00} Fees {$0.00} Total {$0.00} Unpaid Principal {$6600.00} XX/XX/XXXX Principal - {$14.00} Interest - {$37.00} Fees {$0.00} Total Payment - {$51.00} Unpaid Principal {$6600.00} XX/XX/XXXX Payment - {$15.00} - {$36.00} {$0.00} - {$51.00} {$6600.00} XX/XX/XXXX Payment - {$22.00} - {$36.00} {$0.00} - {$59.00} {$6600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: ERC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
ERC kept repeatedly calling me about a debt that was discharged under Chapter XXXX Bankruptcy. All debtors were notified and it has been discharged. This company kept asking for my social security number because they could not find my account. If I had an account they would know my info. I refused to give them my social but I gave them my attorney 's number and name. Plus they were asking for me by a name I have not went by in 5 years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself. These accounts are reporting late as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from these accounts. 

( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-05
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have this collection on my credit report from XXXX despite never having used their services. I disputed the debt through XXXX but the company verified it even though it cant possible be my account money is owed on. 
Account Name ERC XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$4200.00} past due as of XX/XX/XXXX. 
Status updated 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 2019-05-15
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Company in question : Lakeview Loan Servicing ( subservicing by XXXX ) Goal : Obtain documentation from XXXX where overpayment of monthly mortgage is going. 

Issues : 1. From my bank I send {$1000.00} monthly ( fixed amount ). XX/XX/2019 I received an " annual escrow account disclosure statement '' dated XX/XX/2019 which raised questions. 
2. The monthly fixed amount I pay for my mortgage is NOT correctly recorded at XXXX ( see info further below ). They are recording {$1000.00} - {$22.00} less than my actual payment. 
3. I have no idea where the over-paid amount is going. 
4. I can not reach the staff at XXXX. When I phone, a message says they are having " technical difficulties '' with a " one hour  wait '' and to " call back in two hours ''. The web page to submit a written message does not work ( no form, nothing ). There is no other way to reach this company unless I write a letter. 
5. No history of the actual fixed monthly payment amount from my bank ( {$1000.00} ) is documented on the website. 

As I have not checked my account at XXXX in over a year, I logged on. NO WHERE at the site does it record the {$1000.00} ( i.e. payment history, escrow, etc. ). There is NO history of ANY of my monthly mortgage payments ( that I could find ). 

Example : I paid {$1000.00} on XX/XX/2019, but the site ( see below ) shows {$1000.00}. This is a difference of {$22.00} on a monthly basis. 
XXXX Last Payment Received XX/XX/2019 Principal {$260.00} Interest {$490.00} Escrow {$300.00} _____________ Total {$1000.00} =================================== The XXXX   website " payment history '' screen does NOT show the {$1000.00} payment for XX/XX/2019 ( or any date from that matter ), nor the overage payment of {$21.00} ( or where that money went ). 

See example below from the website " payment history '' page. 
================================================== Due Date XX/XX/2019 Applied Date XX/XX/2019 Description MortgageInsuranceDisb Principal {$0.00} Interest {$0.00} Escrow Paid $ -XXXX AmountPaid $ -XXXX Escrow Advance {$0.00} Escrow Balance {$740.00} Principal Balance {$150000.00} ==================================================

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 2020-10-09
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate ad unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Transunion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Transunion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01
Company: EQUIFAX, 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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself. These accounts are reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from these accounts. 

( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: PENTAGON FEDERAL CREDIT UNION
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, I accessed my XXXX  credit report. In the section for Inquiries '' there is an inquiry placed by Pentagon Federal Credit Union dated XX/XX/XXXX and annotated as XXXX -- an inquiry placed for a pre-authorized offer of credit. 

First of all, Pentagon Federal Credit Union has never sent me notice of any pre-approved offers of credit. 

Secondly, I am not a member of Pentagon Federal Credit Union. I cancelled my PenFed membership approximately two years ago and closed all of my accounts. 

Pentagon Federal Credit Union had no permissible purpose whatsoever under the Fair Credit Reporting Act to access my credit bureau reports.

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 2019-07-08
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX I discovered that there was a TJMax card taken out in my name in XXXX of XXXX. The charges were XXXX on XX/XX/XXXX. I called the company and closed the card and I reported to the 3 credit bureaus. There is currently an investigation going on. However, the company allowed the person who committed fraud to make a payment to be made. 

The payment came out of my fathers checking account. This company has not helped with this situation and hasn't locked the account so that no further payments will be made.

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