BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 received a statement from Capital One for a charge on XX/XX/2019 that I did not make. This was while we were on vacation for 10 days from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX, XXXX, in the XXXX. The charge was for {$620.00}. It would have been for dinner, and there would have been a signature. I checked this charge to see what it was for. The company, XXXX, run a restaurant XXXX XXXX XXXX, XXXX. We did not eat there. I have another charge for that same night from a restaurant that we did eat at, invoice attached, at XXXX 's XXXX XXXX for {$210.00}. I called the island to see if XXXX had any other restaurants under another name in their company that we may have eaten dinner at, they do not. I called Capital One to contest this fraudulent charge. They looked into it and said it was not fraudulent solely because it was a chip credit card, that was their only reason. I advised them that all the businesses on this island all still collect signatures for their charges, and to please supply the signature for this fraudulent charge. They declined to request the signature and said I would have to pay it. I paid off my Capital One balance, less this charge and cancelled my account of 30 years with Capital One. I feel that this company is very over confident in the anti fraud properties of the " chipped '' credit card they offer and I am being taken advantage of by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance {$1200.00} ; XXXX XXXX XXXX  XXXX Balance {$510.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1000.00} ; XXXX XXXX XXXX Balance {$480.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$410.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX DBA XXXX ) XXXX Balance {$1200.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$470.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$780.00} ; XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance {$420.00} ; XXXX XXXX XXXXXXXX ( Original creditor : XXXX ) XXXX Balance {$4500.00} ; XXXX XXXX ( Original creditor : 06 XXXX XXXX XXXX XXXX ) XXXX Balance {$79.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$410.00} ; XXXX XXXX XXXX ( Original creditor : XXXXXXXX XXXX ) XXXX Balance {$830.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: NATIONSTAR MORTGAGE LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I 'm very perplexed that after me fighting for my home i was granted an n house modification by nationstar mortgage but problem i have is that I 've never spoken with this loan specialist that was a singed to my file he only left me massages without explaining what i needed to do or what type of loan i was getting he just left a massage telling to sign and the money back with the documents so i hire an attorney to look over the document cause i did n't understand what the adjustable arm entailed which is my right i want my home i want to be treated fair i work everyday and can afford my home i just do n't want to be back in the same situation that i already in my attorney he sent the documents with last week please correct the problem so i can move forward and give me some who 's going to return my call as well as speak with when theres a problem i have a signed agreement i do n't want to deal with XXXX XXXX who want speak with me directly its always has been through massage and this is n't business when i need answers right then and there

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I enrolled in autopay on my account and selected " amount due, '' assuming this would lead to full payment of my statement balance. The option directly below " amount due '' is " minimum amount due, '' which implies the minimum payment required not to encounter a late fee. Unlike XXXX or XXXX, Bank of America has both " Amount Due '' and " Account Balance '' in their drop down, and it's unclear what the difference between the two is. Further, they list " Amount Due '' as the first option, followed by " Minimum Amount Due '' and " Account Balance. '' When I told the rep that this is confusing for customers, she agreed and mentioned that many others call in with my same confusion. Nonetheless, she was only able to waive one out of two interest charges added to my account. BofA should take a lesson from XXXX and XXXX and simplify their autopay dropdox. When a consumer sees " amount due '' and " minimum amount due '' back to back, the latter suggests minimum payment required not to pay a late fee, whereas the former implies FULL payment. It's not intuitive that a user would need to select the THIRD option on the list ( " Account Balance '' ) to pay off their statement, when " Amount Due '' has the same connotation. This is entirely deceptive.

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 monetary relief
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Once again I submitted a complaint about Experian not investigating account on my credit report and they responded to you all and said they were still investigating the account just for them not to and respond by saying they updated my information. which I did ask for I have documents that show inaccurate dates on this account which should cause for a removal. If they cant do their job I will be filing a law suit against them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have paid my payments on time with XXXX XXXX  XXXX XXXX XXXX prior to COVID. I lost my job in XX/XX/2020 and struggled with my car payment for the Months of XXXX, XXXX, and XX/XX/2020. I struggled to make full payments in XXXX, XXXX, XX/XX/2020, however I did make partial payments during this time. I called to request help and was told that they cant remove the late payments and they generate due to full payment not being made. I mentioned that President Trump had passed the bill to work with customers due to fact they received relief funding. It was my understanding that during this time customers were not going to be marked late especially for partial payments that I made. I did call the Credit union about the past dues and they stated they could not be removed off my credit report well part of this bill was not to negatively impact credit and stimulate the economy. I feel that these late payments should be removed. I immediately caught up the car loan payment and have been on time with the exception of when out of work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: Midwest Recovery Systems
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
A collections showed up on my credit report from Midwest Recovery Systems. It says it's for a pay day loan. I have no information on this. I have no idea what it is. I don't owe for a payday loan from " XXXX XXXX XXXX ''. I have disputed it on my credit report, but I don't know how to reach this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: SN SERVICING CORPORATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan was sold to this company during the XX/XX/XXXX - XX/XX/2018 timeframe. I was notified of the transfer and told that SN Servicing Corp would officially take over as of XX/XX/2018. 

During the transfer process, I was immediately confused as to when my next payment was due because I was already informed that money was still being processed from the old servicer ( XXXX XXXX XXXX ). In XX/XX/2018, there were 3 payments made : one from XXXX XXXX XXXX ( {$920.00} ), one from me ( {$870.00} ) and one from Rushmore Loan Services for ( {$460.00} ). I even  called/emailed the company for clarification - never received a response to my email and was given misleading information during the phone call. 

Technically, this should have been payments for both XX/XX/XXXX and XX/XX/XXXX, however, only one payment was created ( posted ) in timely fashion and ultimately when I made my next payment in XX/XX/XXXX for the amount of {$870.00}, this was incorrectly considered a " late '' payment for XX/XX/2018, when it should have been an on time payment for XX/XX/2018. 

Needless to say, I am convinced that much of my account history with SN Servicing is flawed, resulting in a cascading effect on my history. I have requested a forensic audit ( line-for-line ) from SN Servicing Corp and they refuse to be cooperative. I am concerned because they have a D- Rating with the XX/XX/XXXX and have several complaints filed against them for similar claims, most of which involve fraudulent activity with their servicing of loans. I believe some of my late payments are the direct result of inaccurate accounting, as well as poor communication, inexplicable fees and other intentionally misleading accounting practices, which I'm sure violate regulations. When I made attempts to bring my account current, I was also misled by Customer Service that additional payments would help bring me current, when ( in fact ) some of them simply got put towards principle in error. 

I am requesting an investigative audit of my account. As a result of their handling of my entire transaction history, my wife and I have been declined for a mortgage based on this one company 's accounting, even though the rest of our credit profile ( and payment history ) is great.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$960.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$980.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO 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 2019-10-26
Company: Deinde Online Services, LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I took out a installment loan with Integra, in XX/XX/XXXX I reached out to company asking for help over the month of XX/XX/XXXX as i was not able to make my payment. I was assured that my next payment would not be due until XX/XX/XXXX. On XX/XX/XXXX the debited my bank account which caused me a XXXX overdraft fee. I instantly contacted them. Was assured they would refund my payment as well as my overdraft fee in 2-3 business days. On XX/XX/XXXX I reached back out to be advised they would issue my payment back but not my overdraft that would be credited toward my balance. On monday XX/XX/XXXX I followed up to be told it takes 2 full business days for the payment to clear and then time to process refund but that it was on it's way. I was told this again Tuesday and on Wednesday I was told it had been processed and on it's way to my bank, on Thursday I reached out again to be told that they're working to resolve the issue ... no longer stating I would receive a refund but that the supervisor couldn't process the refund and it had to be sent to upper management. Today XX/XX/XXXX I reached out again and told that upper management has not reviewed my account yet but that I would hear from someone when they do. No longer recieving even an ETA for when this will be returned.

This is a horrible way to run a business based on trust. I was honest with them and they withdrew money from my account without authorization after stating they would not and now are refusing to refund the money they were not authorized to take. 

I would like the refund of the payment that was not authorized as well as the overdraft fee I was charged due to the companies unwillingness to honor the email they had sent stating I would not have a payment pulled until XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-24
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, XXXX, I mailed a qualified written request to Nationstar requesting certain information and documents. Specifically, I requested : the identity of the owner of my loan ; any language in the applicable servicing agreement or investor guidelines that would restrict a loan modification ; an itemization of costs, fees and expenses charged to my account since I defaulted ; a description of Nationstar 's efforts to establish live contact with me within 36 days of my delinquency to inform me about loss mitigation options ; a copy of the notice Nationstar sent me as required by XXXX CFR XXXX ( b ) ; and a copy of the loss mitigation application I submitted to Nationstar on or about XXXX XXXX, XXXX, as well as Nationstar 's written responses to that application. That qualified written request was delivered to Nationstar on XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, Nationstar mailed a purported response to my qualified written request. In this letter, Nationstar claimed that it would enclose the following documents : the note and security instrument ; the payment history ; the most recent billing statement ; the notice of servicing transfer ; the most recent escrow analysis statement ; and the payoff quote. I never requested these documents. Nor did Nationstar provide any of the documents or information I requested in my qualified written request.

Company response to consumer: Closed
Consumer complaint received 2018-02-26
Company: Profit Services Group
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was called and told about sums owed. I stated I had not recieved bills but would be happy to take care of it if I could see paperwork and verify I owed it. He said that I could not get any type of verification that wasnt his job. He then started asking about my husbands employer. He then said I had to pay within 2 days. I said it wasnt possible without reviewing said bills. He then said he would contact the dr to tell them I refused payment and to seek legal action against me. Then he hung up on me. I called back and ask for a supervisor two times and they refused me and Said there were none.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$71.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX  XXXX Balance : {$450.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-10-13
Company: Ocwen Financial Corporation
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My wife and I were under a forbearance agreement with PHH mortgage. We gave them one payment at that time of what we could afford, PHH started the billing process on us and stated that we were late now. They reported us late for the next 6 months till we had to work out payments and a loan modification. Since then, we have paid on time every month. We have complained about the negative reporting before, and their response is as always. Per the fair debt collection act, we have the right to report what we want. I have advised them that since they agreed at the time to follow the cares act, they are governed by the rules and not allowed to report something negative like that. the past two times they have stated they would check into it and have someone get back to us. Recently we applied for an equity loan and was turned down because of our payment history from the mortgage company. With a forbearance in place and after the modification we signed with them they have continued to show and report negative remarks from our past history and from our late fees and account issues from the forbearance time. they see in their system that we signed the forbearance agreement however they didn't follow the rules on their side. I have done the research and found that they have done this to several other clients also.

Company response to consumer: Closed with explanation