BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the XXXX  of XXXX I decided to gather all the information I needed to change banking institutions. I was changing from Capitol One to XXXX XXXX. But before I proceeded I decided to make my car payment. Next, I called Social Security Administration to have my XXXX payments directed to XXXX XXXX and discontinue using Capitol One. After I completed everything I proceeded to pay for my storage facility with my Capitol One card, and the card was declined. I called and explained to them what happened and they insisted that the payment went through. I called the storage facility in XXXX, Texas and they said that they had not received a payment. I called Capitol One 4 times the same day and they insisted the payment had been made. I called the storage facility and they insisted the payment was not made. Capitol One finally gave me a a sequence code, but the young lady at the storage facility has not responded regarding any payment being made. Capitol One has stolen small amounts of money from my account without my permission. The month of XXXX when I received my XXXX payment I had a dollar remaining in my account. The Monthly payment is XXXX, XXXX, adding XXXX dollar would have made it XXXX, but it was XXXX. There have been recently other monies missing from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: CITIBANK, N.A.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On several occasions I have contacted Macy 's, XXXX, XXXX, XXXX XXXX, XXXX XXXX, and Infinite to dispute the inaccurate information they are reporting. I have sent in several disputes and have yet to get a response. 
Here is a list of the following dates and amounts for each company listed below : XXXX XX/XX/XXXX {$580.00} XXXX {$1700.00} XXXX ( XXXX XXXX ) XXXX {$330.00} XXXX XXXX ( XXXX XXXX XXXX ) - XX/XX/XXXX {$680.00} XXXX XXXX, XXXX ( XXXX XXXX ) - XX/XX/XXXX {$900.00} XXXX XX/XX/XXXX {$1000.00}

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 2018-08-22
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Only XX/XX/2018 I had made a purchase that was advertised on XXXX who then took the company down from advertising and doing business from their site for fraud. No item received - no refund even though the seller had wrote an email on XX/XX/2018 saying the money had already been refunded. Both PayPal and my credit card attached to PayPal have sat on this issue for 33 plus days. I pretty much filed on XX/XX/XXXX or so. 
XXXX XXXX  XXXX XXXX  says they see no credit and when trying to call the real merchant at XXXX as its only an online site, that dont get the real merchant they get PayPal whom they both are blaming each other. The facts are I filed a XXXX  complaint on both companies and I do that as a first step in hopes that the company can resolve civilly and also that I have proof I filed a case. 
On XX/XX/2018 a XXXX XXXX at PayPals executive office/executive relations wrote me saying he would like to discuss this matter. I asked why he sat on a claim for 33 plus days. He said I filed it wrong but they wouldnt allow my to refile. They knew and never responded for over 30 days that they had XXXX  case open but they did nothing. They seemingly like fraudulent sellers much like the card I have attached to PayPal. XXXX says he opened it and then closed it because he has proof that the seller refunded but my bank hasnt seen it and I have not either. 
XXXX was rude so I gave him the same attitude back threatens me with Im being recorded ( like I care ) when they dismissed a XXXX complaint - which I know they can but I at least try to resolve on that level before I have to go higher. 
XXXX seemingly thinks its normal to sit on no refund of merch for 33 days. 
How these companies are allowed to do this when I showed them proof months ago I dont know. 
XXXX needs to fired. Total liar and really couldnt tell me why he didnt respond to the XXXX - it was only until XXXX called them that they decided to respond to make themselves look good.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-15
Company: EQUIFAX, INC.
State: FL
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 would not believe if I have something in my report but when I went through my credit report I found information that is not mine absolutely. I kindly ask you to help me and to remove account that is not mine. I would like to dispute and have it investigated. I believe that I may be a victim of identity theft. Actually I have never incurred debt with these creditors. It could also be possible you are mixing up this account with someone that has a similar name as me. Please delete this account immediately as I need it asap. When you delete this account please inform all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Hello, and How are you doing during this global pandemic specially Covid19? I cant wait for this to be over honestly! But listen, I was shocked today when I reviewed my credit report and found late payment remarks on my credit even during covid on both of my credit cards and there is a restriction on it now too. Remember, i called you guys that i never received the replacement cards too!??! 

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, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Ceannate
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The company is coming after me due to a debt owed from XXXX University. To my understanding XXXX University is a XXXX based college, I have lived in XXXX for the past 20 years and did not attend an out of state University. 

Therefore, someone used my information to obtain college education. Also was told it was for XXXX  education my career focus, since highschool, was XXXX. 

Also, the college states that I attended the University back inXX/XX/2016. I was a graduate of XXXX XXXX ( XXXX ) class of XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This problem relates specifically to the mortgage servicer, Penny Mac, incorrectly and irresponsibly attempting to force place costly private insurance on my already insured home. Lender placed insurance is an unfortunate necessity for loan servicers but it is exceedingly costly and should be more strongly regulated in its application by a lender and the price paid by a consumer. In this case, no insurance is needed and I fear the loan servicer is using this as part of a systemic abuse that places unnecessary costly insurance for financial gain. 

I purchased a home this past XXXX. The home met all insurance requirements to originate the loan. In XXXX, Penny Mac acquired the servicing. XXXX was my first payment to Penny Mac. All payments have been made on time and no issues exist related to financial performance. 

During the loan transfer, the loan servicer incorrectly input the maturity date of my insurance policy. Penny Mac sent a notification in early XXXX indicating they would force place insurance if I did not rectify. I immediately contracted the servicer via secure message indicating their error on their files, stated that I have the necessary coverage, and provided documentation of the insurance policy, coverage amounts and coverage period. This matter should have been resolved then and there. 

Since providing that documentation on XX/XX/2020, I have not received any reply other than " we are reviewing your file ''. I have re-contacted Penny Mac 3 times and have not had this issue cleared. After a recent request for update, their last communication to me on XX/XX/2020 indicated " your loan is with our insurance group being reviewed ''. 

Today, I received a second notice indicating they will force place unnecessary costly insurance on me if I do not respond. I have responded, I have provided the documents required, I have been the person intimating the activity to clear up their mistake. They have ignored my urging, even when indicating I would report this to regulators. 

Therefore, I urge you, the Consumer Financial Protection Bureau, to help me, the consumer who has done what is needed. Please forward this to Penny Mac and compel them to do jobs. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Well its been actually a few years this problem has been going on. I have sent all credit agencies XXXX, XXXX, And XXXX  a police report about this loan being fraudulent. They still have't taking it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Experian Information Solutions 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:
I was alerted that there were substantial changes to my credit report, reading 2 late payments on my XXXX XXXX Credit Cards. I had set up Automatic payments so I attempted to resolve the issue with XXXX XXXX Directly. They refused to change any reports. I contacted the credit reporting agencies XX/XX/XXXX and again XX/XX/XXXX to resolve the issue and I included copies of my credit card statement that reflects a payment made and bank withdrawals along with my letter of complaint. Of the three bureaus only XXXX corrected the mistake ( XX/XX/2020 ). I contacted XXXX XXXXXXXX again and opened another dispute after speaking with a representative XX/XX/2020 who confirmed there were no missed payments on my record and opened a dispute for me to have them removed. I received a letter dated XX/XX/2020 stating they are not inaccurately reporting my information and they will not change how they're reporting my account. 
I have copies that reflect payments deducted from my XXXX XXXX bank account onXXXX and the XXXX   XXXX credit statements showing payments were received. 
Additionally I have copies from XX/XX/2020 showing payment deducted from my XXXX XXXX  account and credit card statements from XXXX XXXXXXXX showing they also received that payment as well. 

I called today to address my concerns with them directly that this is not an accurate reflection on my credit report as I have been making HIGHER than the minimum payment for almost the entirety of my time with them however they stated that they cant do anything to correct it as " this is the policy '' telling me that I need to file another dispute. I asked to speak to someone in their XXXX XXXX Credit Bureau Resolutions sector but they said there is no person I can speak with, only to submit another letter. Seeing as I have filed 2 disputes already with XXXX XXXX and 2x already with Experian, 1x with XXXX and 2x with XXXX I don't believe filing another dispute will be effective. 

This misinformation has been detrimental to my credit, so much so that it dropped my score almost XXXX. I was not able to secure a loan on the home that I have been working to build and buy. It's horrible that a company would be so reckless and such disregard how their policies effect peoples lives.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Walmart has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX decided to reinserted NON VALIDATED information back on my credit files, with all bureaus. They could not provide me with the proper VALIDATION of said debt. They could not provide me with a contract or promissory note with the ORIGINAL said debtor signature. They removed it back in XXXX and today I got notification that this negative information has been reinserted on all credit reports. 
I did NOT receive 5 days notice that they were going to reinserted this NON VALIDATED said debt, and that there is against the law. 
I have not heard from this company since XXXX of this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Well its been actually a few years this problem has been going on. I have sent all credit agencies XXXX, XXXX, And XXXX  a police report about this loan being fraudulent. They still have't taking it off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
Company: Ocwen Financial Corporation
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: Old information reappears or never goes away

Complaint:
I was given a thirty day late while i was in a XXXX  XXXX bankruptcy on XX/XX/2011, my attorneys were XXXX XXXX Attorneys at Law looked into the matter with Ocwen Mortgage and resolved the issue but a couple years ago XXXX had a data breach and when they got it resolved it came back up!! the 30 day late. this is the issue i was never late with Ocwen and my Attorney and i with bank statements proved it, so why are they reporting the wrong dates of me being late to keep it open it seems to be deliberate and predatory and i want to really sue for all the capital they have cost me since XXXX!! please can you help? thank you!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the inaccurate reporting of XXXX XXXX XXXX XXXX several times.They are reporting that I owe {$130.00} to XXXX. I do not owe XXXX and this is inaccurate information. XXXX is reporting this false information to Credit Bureaus under different names also. Under XXXX it is XXXX XXXX XXXX XXXX   and Equifax XXXX XXXX XXXX XXXX. The investigation into this inaccurate account has been less than adequate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
In XX/XX/2020 Paypal closed the account I was using for selling online and they did not give me a reason. Prior to them closing my account they were holding my money saying that I had to prove items were shipped and money would be released when the items were delivered. I provided tracking and all items were delivered but still they were holding my money. Out of nowhere I logged in and was told my account was limited and I could no longer use Paypal. No reason given. I was then told that they were going to hold my money for 180 days, no reason given. As the 180 mark was approaching I logged into my Paypal account to see what needed to be done to make sure my money was released and I see that on XX/XX/2020 they transferred the {$1500.00} they were holding out of my account to themselves. I called to get help and they basically said we are keeping your money, we won't tell you why and there is no one you can talk to about it. Plain and simple, Paypal just stole {$1500.00} from me. I did not violate any terms of service and if I had, the closing of my account would have been sufficient. It does not give them the right to take my money and nothing I may have done warrants them keeping it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: Experian Information Solutions 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:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2020-10-14
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:
I was alerted that there were substantial changes to my credit report, reading 2 late payments on my XXXX XXXX Credit Cards. I had set up Automatic payments so I attempted to resolve the issue with XXXX XXXX Directly. They refused to change any reports. I contacted the credit reporting agencies XX/XX/XXXX and again XX/XX/XXXX to resolve the issue and I included copies of my credit card statement that reflects a payment made and bank withdrawals along with my letter of complaint. Of the three bureaus only XXXX  corrected the mistake ( XX/XX/2020 ). I contacted XXXX XXXXXXXX again and opened another dispute after speaking with a representative XX/XX/2020 who confirmed there were no missed payments on my record and opened a dispute for me to have them removed. I received a letter dated XX/XX/2020 stating they are not inaccurately reporting my information and they will not change how they're reporting my account. 
I have copies that reflect payments deducted from my XXXX XXXX bank account onXXXX and the XXXX   XXXX credit statements showing payments were received. 
Additionally I have copies from XX/XX/2020 showing payment deducted from my XXXX XXXX account and credit card statements from XXXX XXXX showing they also received that payment as well. 

I called today to address my concerns with them directly that this is not an accurate reflection on my credit report as I have been making HIGHER than the minimum payment for almost the entirety of my time with them however they stated that they cant do anything to correct it as " this is the policy '' telling me that I need to file another dispute. I asked to speak to someone in their XXXX XXXX Credit Bureau Resolutions sector but they said there is no person I can speak with, only to submit another letter. Seeing as I have filed 2 disputes already with XXXX XXXX and 2x already with XXXX, 1x with XXXX and 2x with Equifax I don't believe filing another dispute will be effective. 

This misinformation has been detrimental to my credit, so much so that it dropped my score almost XXXX. I was not able to secure a loan on the home that I have been working to build and buy. It's horrible that a company would be so reckless and such disregard how their policies effect peoples lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper Mortgage Lender recently aquired my loan from another lender. I did not receive information about this until AFTER the pay date. They never sent the information or payment requests. However, I did manage to figure it out and pay them ON TIME online on XX/XX/12. 

Then, without my permission, on XX/XX/XXXX, they withdrew money from my account. They made me pay my mortgage twice in XXXX without permission. My mortgage is not due until XXXX. 

This is a HUGE issue. You can't just go into someone's bank account when they have already paid their mortgage, are current with payments, and STEAL their money. I am filing a complaint with my bank as well. Because of their idiocy and greed and incompetence, I will be late paying ALL MY OTHER BILLS. 

This needs to be dealt with ASAP.

Company response to consumer: Closed with explanation