BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had contacted Capital One XX/XX/2020 to inform them of the late penalties I was assesed. But the bank informed me their systems were down and to call back at a later time. I had previously called and asked to be enrolled in automatic payments but Capital One refused to assist me with setting the automatic payments regarding account ending in XXXX. I am enrolled in payments with my other accounts and capital one assisted me in setting up automatic payments with these accounts. And I once again called on XX/XX/XXXX to explain what had happened but the representative refused to assist me in this matter. He claimed that their is a 12 month waiting period. I expressed to him that I've had a long standing relationship with capital one extending 4 years. And that I had regularly asked for automatic payments to be set up to my account in XXXX. I incurred these fees through no fault of my own as I do not have the legal authority to control and add and verify an external account to my credit card. I wish to address this as soon as possible and not be forced to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I paid off a loan with Navy Federal Credit Union ( NFCU ) in XX/XX/XXXX using an online transfer from XXXX XXXX. In XXXX of XXXX, a year later, Navy Federal erroneously sent back the pay off back to XXXX XXXX. NFCU then charged interest for an entire year even though my loan was paid off. 

I only became aware of the loan being active again when it showed on a mortgage application. 

Once I was aware the loan was open I immediately paid off the total. However, there was an added {$2600.00} in interested as a result of Navy Federal backdating an entire year. Again, even though my loan was paid off. 

The entire time between the loan re-opening and being paid off 'again ' was about XXXX weeks if I recall correctly. Nonetheless there's an entire year of interest. 

I've spoken with XXXX XXXX regarding any request to have the funds sent back. XXXX XXXX specifically said, because the amount of time is over a year they would have not requested nor would have any ability to request the funds be returned for any reason. I was sent a letter that also mentioned this. 

I've made many attempts with NFCU to resolve this issue without result. Most recently I've gone back to my message accounts in XXXX XXXX and can not find any of my communications regarding this matter in my secure inbox. Even though there are older messages in the inbox and I have not deleted anything. 

Attached document shows the last payment received on XX/XX/XXXX The loan was satisfied and closed. 

Screenshot attached. Messages in NFCU dating back to XXXX. However, any messages regarding my attempts to have the issue corrected have been removed from my inbox. I have never deleted a message from my NFCU inbox. The message labeled " Message from Navy Federal Credit Union [ XXXX ] '' is the attached document mentioned above showing the loan paid off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: Atlantic Recovery Solutions LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have answered phone calls and received texts looking for someone who owes a debt I have asked twice now to have my phone number removed and to stop calling me. Both times the gentlemen were rude and kept asking how to get a hold of this person. I am not the person so I wouldnt know.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have paid off one loan with XXXX XXXX but on my credit report it still shows me owing over {$3300.00} on the loan and the account has not been updated in five months. Another load shows me owing over {$9000.00} when I actually owe less than {$4000.00}. I have contacted all three credit bureaus to try and address this issue with no result. I requested a loan satisfaction document from XXXX XXXX which I have never received. 
None of these agencies are responsive in any way. Instead of addressing your complaint they bombard you with emails for " credit protection services ''. I am now into my second month of trying to get this simple issue address and have made no progress so far. Since the consumer " does not own their credit '' the agencies that manage it should be responsible for reporting accurate information. This is definitely not the case. The government continues to let banks write laws governing their own behavior with no consideration on how it will impact the consumer. I guess if I could buy as many senators and congressmen as XXXX XXXX I wouldn't be having this problem! 
.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: TD BANK US HOLDING COMPANY
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 am a victim of identity theft. The some information listed on my credit report does not relate to the request I have made on my behalf so those items should be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been trying to get this company to remove innacurate information that isreporting to my credit file that continues to violate my consuer rights.

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 2019-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

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 explanation
Consumer complaint received 2018-10-11
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been working to get the following issues taken care of my with loans since XX/XX/XXXX. 

- Get loan payments made in XX/XX/XXXX, XX/XX/XXXXXXXX and XX/XX/XXXX counted towards my PUBLIC SERVICE LOAN FORGIVENESS program participation retroactively. ( Paper work submitted for this. ) - Get a " REVISED PAY AS YOU EARN '' INCOME DRIVEN REPAYMENT ( IDR ) plan applied towards my account and applied to loans scheduled to come out of the grade period in XX/XX/XXXX. 
- Have existing loans taken out of " administrative forbearance '' so that I MAY BEGIN PAYING immediately with these LOAN PAYMENTS CALCULATED UNDER THE REVISED PAY AS YOU EARN IDE. 

XXXX XXXX XXXX claims they " have don't have an idea '' of how long it will take to process my " In school waiver '' form to get the payments for XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX counted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
It is inconceivable that, in the face of irrefutable proof of fraudulent activity, your bureau continues to deny the removal of these accounts. I find it absolutely unacceptable that I should suffer the consequences of identity theft or erroneous reporting when I have diligently followed the proper procedures to rectify this situation. I was the victim & Im not sure why the FCRA is not complying with the law. This is not how victims should be treated. I am asking for justice and yet, it seems you do not give any attention and ignored our complaint. 
XXXX XXXXPLEASE DELETE!!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I demand an immediate and thorough investigation into why these fraudulent accounts persist on my credit report, as well as an explanation for the repeated denials to remove them. It is your duty as a credit reporting agency to ensure the accuracy of the information you provide, and the presence of these fraudulent accounts contradicts the principles of fairness and accountability. 
I insist that you take prompt and decisive action to rectify this gross oversight. The burden of proof rests squarely on your shoulders, and I expect your agency to act in accordance with the Fair Credit Reporting Act ( FCRA ) to promptly correct this damaging error. The continued presence of these fraudulent accounts is not only damaging my credit score but also causing undue stress and hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-09
Company: PNC Bank N.A.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I made a partial loan payment in XXXX. I failed to pay XXXX and XXXX. PNC has accepted late and partial payments in the past. My loan was to mature XX/XX/XXXX. XX/XX/XXXX the day I was going to the bank to make a payment my XXXX XXXX XXXX was repossessed. They sent all communications to an old address. I was XXXX behind and I owed {$740.00} on maturity date. I was charged XXXX because of repossession fees and now cant pay the {$740.00} on the maturity date. I wasnt giving up on my loan, I only owed XXXX. My car sells for XXXX. I dont understand why PNC wound tank my already bad credit with a repossession just to get XXXX. And making it where Im short to pay on the maturity date because they chose to repossess!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-09
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: SC
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:
My mortgage was recently transferred to a new servicer Rushmore Loan Management and bought by a new lender. My mortgage was modified in XX/XX/2015 with XXXX XXXX XXXX and the terms of my payment changed to 480 months. Shortly after it was transferred to XXXX XXXX XXXX XXXX and terms were reported correctly.The new servicer Rushmore Loan management is reporting the terms at 648 months. I called to inform them that it should be 480 months not 648 months. I was told that it is being reported correctly at 648 months. I will include my modification agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: TX
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:
For a number of years I've been going back and forth with these credit reporting companies trying to get them to remove obvious fraudulent accounts from my credit reports. I was told you guys could assist me in getting the resolve I need. My information was compromised in the Equifax data breach a few years ago and it's been XXXX ever since trying to get accounts removed. Pls assist me in removing the accounts and inquiries listed on my FTC reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have a paypal account and now they limited me for 180 days, time in which I can not withdraw money or close the account and after that time they are going to close my account and to withdraw the money I have to do it to an account in the US, I do not have an account in the US because I am a resident of another country. On the other hand, the company tells me that the problem is that they are reviewing my sales and I have never been sold by paypal. If they are going to close my account because they do not let me take out the money and that's it?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, XXXX I mailed to Wells Fargo a Error Resolution Notice under 12 C.F.R. 1024.35. I received verbal acknowledgement from Wells Fargo that errors have been made on my account. I was advised by Wells Fargo that I would receive written confirmation of the errors including that the errors have been corrected. I have not received written confirmation. On XXXX XXXX, XXXX I mailed Wells Fargo a request for a complete account history of my mortgage. As of XXXX XXXX, XXXX Wells Fargo has failed to provide the information I requested. On XXXX XXXX, XXXX I mailed Wells Fargo an additional letter. I advised Wells Fargo that I have not received an acknowledgement of the errors made on my account concerning the Error Resolution Notice. As well as advising that I have not received the information I requested on XXXX XXXX, XXXX. As of XXXX XXXX, XXXX I have not received from Wells Fargo a letter acknowledging errors made on my account ; if the errors have been corrected ; nor have I received a history of my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Capital One bank has been promoting that it will help its customers through the pandemic. Since XXXX, I have been contacting them so I can get help with my monthly payment due to my hours being reduced at work due to COVID 19. They agreed to help me and said they will enroll me in a program that will make my account current without any minimum monthly payment. In XXXX i received a notice that i was late, I called and they said that i was supposed to call every month. I said i wasn't sure i understood that and if they can please help me and they refused and made my account 30 days late and sent it to my Credit report which cost me 40+ points reduction. In XXXX i made the call again and ask if i can have my interest freeze because my card went over the limit due to interest and i don't have enough to make payment and they said they cant. and in XXXX i made the call as well. In XX/XX/XXXX a Representative said he has a better plan for me that won't require me with any minimum payment or late fees. I asked if i still had to call every month and he said i don't until XXXX but now I'm receiving notices in my credit score that I'm late 3 months, and I'm receiving emails feeling pressured to make a payment on XXXX for {$200.00} to make my account current or will be going in collections which means it will affect my credit score as well. I Now call in XX/XX/XXXX and ask why is my account showing I'm behind 3months and why is this being sent to my credit report and they said that is due to the new program. I explain to XXXX the manager that it wasn't what I was told especially with the questions I specifically asked which were do i have to make a minimum payment, will my account be current, and do I have to still call every month. XXXX said she can't do anything for me but to review the call. This is the first time I have ever written a complaint with capital one because they are my favorite bank but with the situation, I'm going through I feel they are juggling me around and giving me all these fees towards my account when they know I can't afford it. It will not be a fair call where I'm asking for help and my account goes into a collection or destroys my credit score more than what it is all because no one wants to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Credit Control, LLC
State: MI
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX is trying to collect a debt that is not mine and it has been reported since day one. I cancelled this phone. It was my wife 's who passed away and the number was stolen after and bill ran up. This is not my debt and XXXX has totally ignored this and given it to a collector. Also, I am on SSI with very limited income since 2021. This needs to be dropped. It is totally false. I tried to contact them by email and they blocked me. Have tried on multiple occassions. They are just being difficult.

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 2021-02-06
Company: Convergent Resources, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this account. I requested original dates on when this account was open with signatures. They are stating this was recently open. I requested for original documents.

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 2021-01-26
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I made a purchase for XXXX from curveous boutique. On XX/XX/2020 the mail carrier mis delivered my package. I went to the post office letting them know I never received the package. The post office told me to contact my bank which I did. The bank is telling me someone signed for the package a XXXX XXXX i explained I am not XXXX XXXX and I dont know who he is, later I found out it was a fill in mail carriers name. I have been disputing this since XX/XX/2020 with no resolution. I finally got a letter from the post office explaining I never received the package, after tracking it they realized it was delivered to XXXX instead of XXXX the bank told me its too late to get my money because of the lapse in time. I expressed to them that it was and ongoing investigation and that I had no control of when the post office would send a letter explaining meanwhile that XXXX made my account negative which then caused many things to be negative experiencing a XXXX additional fee. For each negative transaction I have never been able to get ahead after that. My son was murdered XX/XX/2020 and I havent been able to work my money is limited this charge has caused stress and anxiety because of the over drafts I have been behind because of that one transaction. Im Grieving and without working, money is extremely tight, because of that one transaction its made all my furture transactions become negative too Im currently out on disability ( after I lost my son ) I dont have money like that anymore it has been a struggle. Many may not be affected but XXXX has been tough to recover from. Please help, thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief