BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-18
Company: Perfection Collection
State: WA
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:
There is a collection on my credit report that Just recently appeared and it shouldnt be there. My daughter is getting phone calls from the debt collector threatening that they are coming to my house to arrest me. 

I disputed the charges on my XXXX  Credit Report. I have lived in Washington state for the past 15. - 20 years and this debt is for a home alarm service in a completely different state. Supposedly someone by the name of XXXX signed a contract with me but I have never seen the contract. I was never made aware of this debt until I saw it on my credit report. 
I dont feel that XXXX  did anything to verify the validity of this debt when I submitted a dispute to them online. XXXX  replied to say that the company said it is true so it is. The fact is that the debt does. It belong to me and I want it removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was trying to deposite some money into the CITI bank account, but account is blocked for some reason and there is a fee charged related to it, which is ok to me. But customer service has a very bad attitude and didn't give good resolution about this. I called twice but the answers to solve this questions are different. And one customer service hang up the phone when I was asking a question.

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 2019-01-28
Company: AES/PHEAA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
While in forbearance and applying for a loan reduction, XXXX XXXX sent negative remarks to XXXX  for non payment of accumulated interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have submitted multiple letters to this company to verify the debt they say i owe. They have not submitted the proper documents with my signature on it to verify this debt belongs to me,

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 2018-04-09
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I do not have exact dates, but I called Equifax to inform them that my XXXX XXXX credit card ; as well as, my XXXX it credit card is not showing and that affects my credit score, I also called the credit card places and filed a complaint as well. There is no problems with my credit cards reporting to the other agencies only Equifax is a problem!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have no knowledge of this account and it needs to be removed from my credit report. I have filed a complaint with XXXX  but have not been able to do so with XXXX  as their site is garbage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Was late on a payment on a secured card due to covid, so I spoke with a representative who waived a late fee, and gave me a lower amount to pay. I paid that, and then every 2 weeks until the account was current and below the credit limit, with no more late payments occuring, in XX/XX/XXXX. Finished paying down the account in XX/XX/XXXX, and they closed the account without notice. When I called, I had a balance of XXXX, and since I had made a secured deposit of {$200.00}, I was told the amount would be taken out of the {$200.00} to pay off the account, and the remaining XXXX would be sent back to me in the form of a check. That phone call was XX/XX/XXXX. In the middle of XXXX, I received a letter from Citybank, saying the same about issuing me a check, but they said they would be holding the money from me until XXXX. On XX/XX/XXXX, I received a statement from them with a {$35.00} late fee, and payment due of {$74.00} from no payment on XX/XX/XXXX. The account was closed already at this point, and they owed me money. No payment should have been due, and I was never informed that I would have to continue making payments until they reimbursed me. Called the company on XX/XX/XXXX, and was told since I had a late fee removed in XXXX, I was not eligible to have this one credited. This charge should never have happened, so I spoke with a supervisor who eventually issued a statement credit of {$35.00}, which will not show up on the account until AFTER they refund the balance of my deposit, so I will have to wait even longer for them to send the remaining {$35.00} owed, and they can't do anything about the late payment reported to the credit bureau, nor any charges that may stem from non payment on XX/XX/XXXX, even though the account is closed and balance due should be 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 2021-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am in the process of refinancing my 1st mortgage as a rate and term refinance to better my financial position however BOA is not letting without incurring thousands of dollars in extra closing costs.

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 2018-03-06
Company: Larry H. Miller Group of Companies
State: CO
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:
Larry Miller XXXX, XXXX, accessed my credit report, while i was not even in the loan process. Neither I was present at the dealership while my report was pulled. When I brought it to their attention, they did not disclose the whole truth, and told me they never got my credit score. However it is showing in my credit report that a hard inquiry was made by XXXX XXXX on my credit. They told me they were trying to pull credit score for another individual, which name does not even remotely match with me. ( We have the same address, but i dont think that should matter. ) They told me that person 's social security number is similar, thats how they got my credit report by mistake. After verifying with the person whose credit they were supposed to access, his social security number is not even close to mine. I asked them how did they got my credit report, they told me its a system error and they " apologize ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: On-Site Manager, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
On XX/XX/XXXX I submitted a rental application to XXXX XXXX at XXXX in XXXX XXXX, IL. Their 3rd party vendor, On-Site ran a background check if my rental history which discovered an eviction/judgment XXXX that was reported in error on XX/XX/XXXX. This information has successfully been removed from my credit bureau reports and XXXX file as I was able to prove the case was voluntarily dismissed by the plaintiff, XXXX XXXX XXXX dba XXXX XXXX XXXX. I still currently reside at this same address until my current lease expires XX/XX/XXXX. I immediately filed a dispute with On-Site on XX/XX/XXXX, Dispute # XXXX, providing a copy of my recent XXXX credit report that they used to show this is inaccurate. On XX/XX/XXXX, On-Site responder that they have finished their investigating but would not be removing the inaccurate finding. This has delayed my search to find new housing as my current lease is voluntarily expiring and I require relocation. On XX/XX/XXXX I submitted a 2nd dispute with On-Site Dispute # XXXX, this time I included a copy of the voluntary case dismissal and agreement from XXXX County Circuit court signed by myself and the former property manager, XXXX XXXX. The very next day XX/XX/XXXX, On-Site responder again, that they will not update their records and have informed XXXX XXXX at XXXX that they will not update their records. This is very unfair as the information is inaccurate and is causing me to not be able to secure fair housing. I do not know why they refuse to make the updates when I have supplied sufficient evidence. Please assist with making this correction. My daytime phone is ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was denied a modification on This home on XX/XX/XXXX According to the lender. However, prior to notice of decision to deny which came on XX/XX/XXXX, the lender had an appraiser call me to schedule an appraisal. I was called on XX/XX/XXXX. So they claim they denied me but still needed an appraisal after the fact??!? I am very confused by this. They denied me and then scheduled an appraisal at my expense. How is that fair or accurate. 

I do not think they considered all pertinent info prior to denying my modification. I appealed the decision and they are saying it was submitted to late however it was submitted 2 days after we received notice. They are not giving me time to rebut the misinformation. Nor are they allowing a fair disclosure times, when considering they sent me the denial after the allotted time to appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
There are a lot of inquiries on my report that I did not authorize those companies to do and I need them removed from my credit report immediately.

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 2018-04-14
Company: Seed Consulting, LLC
State: MT
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX XXXX  XXXX or SEED Consulting as it comes up on my credit card was at a convention in XXXX XXXX for XXXX XXXX XXXX  Mastery  Marketing Event. I attended because I already had invested our insurance policy/ money into this company. ( XXXX XXXX is now under investigation by FTC-XX/XX/XXXX ) I lay awake at night wondering how to pay off all this debt I have got myself into. I'mXXXX this was supposed to be a retirement plan, not a work forever plan. Going thru my tax info recently, I have realized if I had not got involved with XXXX XXXX XXXX I would not have the problems I have now. 
They actually helped me secure the cards/credit I put the " all in '' amounts to XXXX XXXX on. They ( XXXX @ XXXX ) made it seem so easy. I can still see him handing me the pen to sign up for their services. " XXXX is no problem for XXXX members, Many of them make way more than that '' ... I would have a year to get them paid, but a few months I should be seeing income. I was instructed to go along with my " projected income '' if any of the card companys call to verify my income .... $ XXXX more annual income than I make. I wish they were all like XXXX XXXX who declined the application because they found out it was third party application. That it was done for me. They actually called me. All the others were done the same, but XXXX was the only one who called me. ( kudos to them ) My credit Limits were high, at zero % interest. Only problem is XXXX XXXX is fraudulent. XXXX XXXX  was there for XXXX XXXX. They were ready secure credit for people to go all in and join XXXX. Now I am broke ( and can't afford the interest on these " great '' cards. I don't know what to do. I am trying to dispute all the XXXX charges but have only heard back from one card company. XXXX XXXX has reversed their charges. Thank XXXX.But that is only a fourth. If I could get a credit slip, XXXX XXXX would reverse XXXX   XXXX but they said it was more of a legal case. I got the service, just because it was deceptive wasn't their call. 
XXXX XXXX and XXXX XXXX ( XXXX XXXX ) have not even acknowledged my {$9600.00} each in dispute from XX/XX/XXXX paid to XXXX XXXX or XXXX XXXX ( XXXX ) Again thank you XXXX XXXX, your are # 1 There is alot of marketing expenses still on these other cards, following " the Plan '' I will never recover except as a hard lesson.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-28
Company: Seterus, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My problem is my mortgage company say I have an overage in my escrow every year and have been charging me more than my taxes and insurance every year, now it has gotten out of control and my taxes and insurance haven't gone up but my escrow keep going up for what reason I don't know. My mortgage is currently with seterus. Yes I have missed a month here and there over the 15 years I've had the mortgage but never have I been in forclosure.

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 2021-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
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 was scamed out of money for a person a thought was a person turned out not be for XXXX XXXX dollars around XXXX of last year it was inter net dating  on line Im having a rough time paying things because of it at times

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-20
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DC
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:
On XX/XX/XXXX XXXX XXXX Spoke to Rushmore Rep in their Pay Off Dept. ; ( Refi Officer asked that I contact them for a corrected Payoff Statement ), was told take I missed a Mort. payment, although she could not tell me when ; prior to calling, uploaded Banks Stat from XX/XX/XXXX thru XX/XX/XXXX showing payments made to Rushmore in their online portal. Tried to get her to verify receipt, she would not. I'm trying to Refi ASAP ; Rushmore countinues to submit Pay Off Statement showing I missed " XXXX XXXX '' pymt ; I did not ; When I messaged Rushmore on their portal, they thank me for that pymt, and that they now would be apply to " XXXX 's '' missed pymt ; I did not.

Rushmore has reported to XXXX that I missed XXXX XXXX mortgage, I did not. The proof is attached and was also given to Rushmore on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
DISPUTED A BANKRUPCTY WITH EQUIFAX ON VERIFIED BUT I ALSO ATTACHED A LETTER I GOT FROM THE BANKRUPCTY COURTS AND IT STATES THE COURTS DOES NOT PROVIDE THAT INFORMATION TO ANY OF THE THREE CREDIT REPORTING AGENCIES EQUIFAX IS GETTING  INFORMATION FROM A THIRD PARTY VENDOR AS IN THE FAIR CREDIT ACT IT STATES THAT INFORMATION HAS TO BE VERIFIED THREW THE DATA FURNISHER AND THAT WOULD HAVE TO BE THE BANKRUPCTY COURTS .BUT THE COURTS DON'T RELEASE THAT INFORMATION I ALSO ASK EQUIFAX TO PROVIDE ME WITH THE NAMES OF PERSON WHO THEY CONTACTED TO VERIFY THIS INFORMATION THEY FAILED TO DO SO .BECAUSE NO ONE FROM THE BANKRUPCTY COURTS WOULD RELEASE THAT INFORMATION.THEY ARE GETTING THAT INFORMATION FROM XXXX XXXX EQUIFAX HAS TO PROVE THE ACCURACY OF THE INFORMATION THEY ARE REPORTING ON MY CREDIT FILE I ALSO HAVE DOUMENTS FROM XXXX DELETING THIS FROM MY CREDIT REPORT AS OF XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have made a purchase on XX/XX/XXXX online from a seller that is outside the country in XXXX and paid XXXX dollars with my capital one card ending in XXXX The item did Not arrive so I submitted a dispute to the charge. Capital one gave me a Credit on XX/XX/XXXX. Then I received the watch which turned out to defective and a piece of junk. So capital one rebilled me XXXX dollars which was XXXX dollars more than what they credited me. I called capital one and sent them what documents they asked and told them that what I received is NOT as described and its a piece of junk not worth XXXX dollar and a defective watch. So then they gave me a credit for XXXX and that is XXXX dollars less than the charge. Then they rebilled me again in XXXX of XXXX and I called them back and gave them more documents so they credited me the rebilled amount on XX/XX/XXXX and the case was closed since its been more than 90 days since I disputed the charge .. case was CLOSED back in XXXX of XXXX and the dispute was over 4 months old. Now after 7 months of opening the dispute capital one card decides to rebill my account for XXXX dollars for NO reason. Its been 7 months that passed since I opened the dispute and the case was closed in XXXX after I was given a credit since the watch I received was NOT as described and I was scammed by the seller and the watch was defective and had NO value. Capital one should have NOT charged my account on XX/XX/XXXX for an old dispute that was 7 months old and closed a long time ago. This is Fraud by capital one and very shady business practice. I want my money back and I want capital one card to credit and refund my account for the XXXX dollars and the XXXX dollars that they overcharged me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-09
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Went into an Ace Cash Express # XXXX at XXXXXXXX XXXX  XXXX XXXX XXXX, CA on Sunday XX/XX/XXXX Sunday and gave them {$620.00} to make a rent payment. The money was to be transmitted to an account number provided by a detailed invoice that had account number and biller name. Provided all the information and when the receipt was printed it didn't have any of the information that the receipts normally have in the same area. The store was about to close in 40 minutes. 
So if the receipt is missing vital information, that raises a red alarm. So when asked for a refund as soon as the receipt was given, the csr lady said it would not be a problem. The problem was that her manager had to approve the refund. Well she called the manager Named XXXX XXXX and when she explained the situation over the phone, XXXX XXXX told her to tell the customers to come back tomorrow and hung up. The refund was not guaranted either, it's just come back tomorrow. So after giving someone {$620.00} we are not going to walk away with any kind reassurance. We asked for a refund and the money has not been wired yet. How am I going to trust the same business that just acted like that. So the lady kept on calling and calling for ace corporate or any others manager. XXXX would not answer his phone or anything. So finally she got a hold of a lady manager and that lady finally responded and talked with me. I had her call me and she took my number, we left the store 20 minutes after closing. Then to make things worse there are people XXXX XXXX outside the store. Overall this situation was mishandled and should have been resolved really easy. Instead it was mishandled in the most irresponsible and lazy way possible by XXXX XXXX. It wasted everyone 's time money and the stress was so high the other customers couldn't even get proper service. I am still waiting for my XXXX call from the manager or a refund. There is no moral to this story, it's just someone being irresponsible and lazy. I've attached a photo of someone XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Please refer my earlier complaint against Wells Fargo XXXX. I would like to close my account. There is no chat or secure email option provided by Wells Fargo. When i called on the phone # - there is too long of wait time. 
Please close my account. I have already transferred my balance from there.

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