BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had late payment reported for my CAPITAL ONE credicard in XX/XX/XXXXwhich i wasn't using since XXXX or XXXX XXXX but still there was around {$2.00} due and made payment since i didn't want my credit to be affected due to this very small unrecognized charges and later i have disputed this transaction with credit card company. Same thing happened with capital one card that i used to have in year XXXX and then i ended up closing the account due to the similar issue. even though i am not using CAPITAL ONE credit card since XXXX XXXX, it again had fraudulent charges after XXXX for XXXX purchases which i disputed again and again i ended up paying for these fraudulent charges to XXXX with different credit card to restart my XXXX XXXX XXXX XXXX XXXX have locked my account due to non payment for these fraudulent charges after i disputed transaction with CAPITAL ONE. this time again i paid for 3 transaction which we didn't recognize to XXXX and on top it hurt my credit so badly. 
if you see my entire credit history, i have 3-4 late payment as negative entry on my history and all of them are with CAPITAL ONE. so somehow i feel my identity or something is leaked and hacked through CAPITAL ONE which have affected my credit badly multiple times. 
and last two time in year XXXX i was promised by CAPITAL ONE representative that they will provide all necessary information to credit beuros to remove late payment information from my credit. but they didn't even do that job appropriately for proofi am attaching the {$2.00} payment that i made in XX/XX/XXXXfor the due payment reported to Credit beuro in month of XX/XX/XXXX 
my question to you, why would someone not bother to pay only {$2.00} which is reported as late payment when that someone have great history of paying bigger amount XXXX home mortgage, car loans, other credit cards, kids tution fees ) without missing any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
This acct was a secured XXXX XXXX card and they say i owe them and they are reporting this on my credit report and if it was a a secured card how can i owe them because the acct was closed in good standing and you could never go over the secured amount i have asked for documentation and they continue to refuse to give send it 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 2020-12-09
Company: Kriya Capital, LLC
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: Investigation took more than 30 days

Complaint:
I have filed a dispute on XX/XX/2020 in regards to the incorrect items on my credit report, it has been well over 30 days and haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S. C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX XXXX a lien release on the 2nd mortgage was granted to me by BOA. It was recorded XXXX XXXX XXXX XXXX XXXX Courts. 

The amount was never removed from my loan, no XXXX  was issued. BOA failed to honor the lien release when they transferred the loan to a new servicer. 
I have contacted the servicer with no resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: TCF NATIONAL BANK
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
We received a delivery of crushed rock for our driveway in XX/XX/XXXX. We received a bill from the company, XXXX XXXX XXXX XXXX, and entered that company and it's address into the 'bill pay ' part of TCF XXXX online banking. The bill totaled {$1200.00} and we entered that amount into to be paid online ; meaning, TCF would issue a check. This transaction cleared our bank on XX/XX/XXXX. We were informed on XX/XX/XXXX that the check never reached the intended. XXXX at XXXX XXXX was very angry and threatening and although I sent him screen shots and copies of our statement, showing the cleared transaction, he claims he did not receive the payment. His bank verified this. When I tried to talk to TCF about this, I received a myriad of responses from TCF from this being an ACH transaction, ( which it could not have been as I did not have that banking information for XXXX XXXX ), XXXX XXXX is lying, there is no check to get a copy of the front and back from, and so on. TCF also told me to go to a branch to get more detailed information. I did this, but there was nothing the teller could do. By this time, we had closed our accounts with TCF due to poor customer service. I truly spent in excess of eight to nine hours on hold with them trying to resolve this. I have been transferred to more departments than I care to mention. I was told that I could not have a stop payment issued as the accounts were closed. When I told TCF that the accounts were closed due to poor customer service, I was hung up on. I want to know what the disposition of this payment is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: OK
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'm not sure what the issue is with the credit bureaus but I have tried to communicate with them numerous times about their inaccurate reporting on my credit report. They are not handling this situation in accordance with the FCRA in regards to conducting a reasonable investigation and resolving the problem nor are they abiding by the CFPB 's 60 day investigation guidelines. I have been at this for awhile now and I feel my only option is legal action due to them violating my rights to an investigation on various accounts.

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 2019-08-19
Company: WELLS FARGO & COMPANY
State: NM
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My Dad got a VA loan XXXX XXXX XXXX XXXX, for XXXX XXXX XXXX XXXX in XXXX, NM XXXX. My Dad died and my Mom died. My Mom did a Transfer on Death Deed leaving me the house. I live in the home and have paid the mortgage and all bills related to my parents death. I went to make a payment over the phone and they wouldn't accept the payment. They told me the house was in foreclosure. I contacted the VA today and will send a copy of the deed to them. The servicer has hired an attorney and referred the case to court (NM is judicial foreclosure). I have asked the attorney for a forbearance plan, or a repayment plan. Because my name is on the loan, the servicer has not given me any attempts at loss mitigation. Nor have they given me a  notice of acceleration on the loan. My parents have been deceased for some time now and I have repeatedly sent in all the necessary documents. I have income and the ability to make the payments. I would appreciate your assistance in resolving this issue.Thank you,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 2021-01-26
Company: Freedom Mortgage Company
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have submitted a complaint about Freedom Mortgage in the past. I requested an apology, the lowest interest rate available and my fees for my refinance to be waived as they have lied to me several times and I have emails documenting their lies. I requested a personal apology but they thought that their response to the complaint was " good enough ''. I was not given the compensation or the apology that I requested. I have spend over 2 months working on getting this refi completed and have lost out on over {$600.00} that they promised me that I would save. I have spend hours on the phone with this company and they refuse to own their poor behavior. They also sent me a response that was intended for someone else, so they have failed to maintain confidentiality, and even provided me with that person 's personal information.

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 2023-09-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I recently submitted a complaint regarding all open inquires below mentioned. Your response is below. please provide a description of the investigation you completed that made these accounts factual. 


XXXX XXXX XXXX  INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDUREXXXX XXXX XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. XXXX   : XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. XXXX XXXX XXXX  XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. XXXX XXXX XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. XXXX XXXX XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. XXXX XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. XXXX XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. NON REPORTING DISPUTES XXXX XXXX XXXX XXXX XXXX  THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I do not recognize this account. The information regarding this account fails to report completely. I do not see the monthly payment, terms, credit limit, past due, and date of last payment being reported. Please provide the information or take this account off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX and I am a user of PayPal with email address XXXX 25 days ago, PayPal decided to lock my account and limited some features and asked me to provide some documentations in order to regain access.

However I provided the documents PayPal said 1 business day should be okay for me to start using PayPal again, but unfortunately, PayPal has not fulfilled it's promise.

Because of that, I decided to use this complaint channel and ask PayPal to put things right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM THIS MAY CONCERN I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ACCURACY OF MY CREDIT REPORT IS UNMATCHED. I AM CONTACTING THE ORIGINAL CREDITORS THAT ARE RESPONSIBLE FOR REPORTING INVALID INFORMATION. ALL ACCOUNTS, DATES, AMOUNTS ARE LISTED IN THE FILES. PLEASE REVIEW AND REMOVE THE LISTED ITEMS 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 non-monetary relief
Consumer complaint received 2021-10-07
Company: American Mediation
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call from a " process server '' and they told me to call another number to try to resolve a case they were trying to serve me for without saying what I was being served for. The company that I called acted like they weren't sure what to do with my debt and since the process server said their phone number, then they guess they could continue the mediation process. I asked for information in regards to what this was and they claimed I should have received paperwork back in XXXX, which I had not. I can't find their business online anywhere and the phone number I plug in doesn't return any associated business. They did send me an email with only payment options but no address or other information for the debt or their right to collect the debt. They informed me the only way I will get paper documentation would be to get served. Also if I did a debt validation letter that wouldn't stop me from being sued and it would take too long to get the information out. They also said I would owe over {$5000.00} if it went to court but if I did out of court options it would only be around {$1300.00}.

Company response to consumer: Untimely response
Consumer complaint received 2018-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am a victim of identity fraud, and I believe someone is trying to use my credit to gain illegally credibility. I've made the credit reporting agency aware of this, so they informed me that I should call the hard inquiries phone number that is display onto my credit file, that doesn't belong to me. They also sent out notification to all the hard inquiries that isn't mine three months straight to no avail. So I got on the phone and called Bank Of America and was held up on the phone for two hours, shuffled around to five different departments and still didn't get anywhere. I was told there was nothing they could do about it, and that it wasn't their problem. I did not request products or services from Bank Of America. This inquiry need to come off my credit file from Bank Of America.

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 2022-10-23
Company: EQUIFAX, INC.
State: TN
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 have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a dispute on XX/XX/2020 after signing up for alerts from Wells Fargo, and I started getting notifications that my card was being used repeatedly. I was given a provisional credit which was reversed and basically took all the money I had left in my account. 

I talked to a supervisor who informed me that ALL my money would be returned if the vendor doesnt respond by the XX/XX/2020, which wouldve been 30 days. The XXXX comes and go and I still dont have my money back. During the phone call with the Supervisor, which was recorded, he informed me not to worry, that merchants never respond because the fraud was done digitally online and that there isnt anything that the merchant can respond with that wil change the outcome, he said you will have you your money back because the MERCHANT WILL JOT RESPOND! 

Now, they are telling me I have to wait another 120 days for a response from the merchant, event though theyve said repeatedly that the merchant will not respond because theres no evidence that the merchant can provide since the fraudulent charges were done online. He said theres no sign contact or verbal agreement and no video or photo evidence. Once again they all reassured me the merchant wont respond. 

They are holding my money hostage and I have a family and bills they are past due, because of their lack of care for their customers. I told them last Monday was my last day at work and my family needs our money. I dont understand how these big companies has the power to take customers money. 

I just got off the phone with a rep at XXXX XXXX today that also informed me that she also already know the merchant wont respond. And MERCHANTS HAVE 30 days to respond to disputes, which the merchant didnt do by the XXXX of XXXX, therefore the merchant wont respond or challenge the dispute. Wells Fargo seems to be a predatory company. I have deposited almost $ 100k in my account since XXXX of this year, yet they take my hard earned money. If this complaint doesnt resolve my issue immediately, I will be taking legal action, I have recorded my last 4 phone calls with their agents, which proves what they told me. 

Thank you CFPB for being a voice for customers!!

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 2021-03-28
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
On XX/XX/XXXX I spoke with Mohela to request my student loan payment plan and payment history. They said I would receive it in the mail in 7-10 days. I did not receive it. I spoke with them again on XX/XX/XXXX requesting it again. I was told that they are not able to keep those records and that they could not send them to me.

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