BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
About a week and a half ago the credit card payment atm are my card and I called to get a new one and it never came in the mail it was supposed to be by XXXX XXXX it was a capital one sponsored quicksilver card XXXX I think XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
On XX/XX/2020, I worked out an arrangement with XXXX  XXXX  to settle a Collection account that originally belonged to XXXX. The agreement was that if I paid XXXX XXXX would cease all collection efforts on the account. I did pay the agreed upon amount and XXXX returned the remaining amount to XXXX, assuring me that all collection efforts would cease. After a couple weeks I noticed that Experian had shown that the account had a XXXX balance, but was still listed as a collection account. I disputed this with Experian and I got the attached dispute response when they show that was no longer listed as a collection account, but indicated that the account would remain on my credit for seven years. 

Yesterday, after paying Experian {$29.00} I looked at my credit report and discovered that they had in fact not removed the account from the Collections section of the report. I contacted XXXX XXXX, whom I have an account with, and asked what could be done to get the information corrected, as the credit bureau was still showing the account as a collection item and that was not what I had agreed to. That conversation is also enclosed and shows that they have also tried to get the information straightened out. I spoke to XXXX, and they told me that they reported it as a closed account, but they could not guarantee how the credit bureau reported it. I also attached a copy of the letter of agreement from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: TRANSWORLD SYSTEMS INC
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Letter received from TRANSWORLD SYSTEMS INC XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, WA XXXX XXXX. 
Stated it was a credit agency demanding payment of {$150.00} sum of balances from 5 accounts. Creditor not stated. 
I believe this to be a scam. I have checked with XXXX and XXXX  and there is no debt reported. 
Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed a complaint against Specialized Loan Servicing, case number XXXX, in which SLS is claiming that I have missed a monthly mortgage specifically on XX/XX/2017 in the amount of {$1300.00}. That was SLS 's response to my case where I was asking why I owe them a month 's mortgage payment plus interest when I know I have never missed a mortgage payment ever. 
I checked my payment history with SLS and it clearly shows that I paid {$1300.00} on XX/XX/XXXX for the monthly mortgage for XX/XX/2017. Then on XX/XX/XXXX I made an early payment for {$1300.00} to SLS for the month of XX/XX/2017. This was where the problem began. Somehow SLS credited this payment somewhere else and not to my XX/XX/2017 mortgage payment. 
SLS can double check my payment history and it will clearly show that I paid twice in the month of XXXX. It was because of my early payment to SLS that this problem occurred. 
With that said, I would like SLS to reconsider and double check my records to verify that I have never missed a monthly mortgage payment. 
Regards, 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 2016-06-20
Company: Credit Union Mortgage Association, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
As required, three days prior to closing I received a closing disclosure from my lender that I believe was not made in good faith. This closing disclosure did not include the prorated amount XXXX XXXX & city/town property tax the seller had already paid and that I would reimburse, a prorated amount of XXXX fees that the previous sellers paid and that I would reimburse, and prepaid XXXX fees. At closing, I had to cover these additional costs to take possession of the property for a total additional amount of {$1100.00}. I believe the lender was in violation XXXX for not providing actual costs that should have been readily available to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: EQUIFAX, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA & # 39 ; sXXXX On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-09-21
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX, I applied for {$50.00}, XXXX business line of credit designed for XXXX  businesses at BMO Harris Bank located at : XXXX XXXX XXXX XXXX XXXX, MN XXXX. My company ; XXXX XXXX XXXX, has been in business in the State of Minnesota since XXXX. I was told by the branch manager ; XXXX XXXX, that the minimum credit requirement for this line of credit is XXXX, as long as that hold true, and the company is majority owned by XXXX, we should not be worried at all. In addition, I was told that we have to open a business account with a minimum of {$5000.00} and in return, BMO will reward us {$500.00} in the next 90 days so long we maintained that {$5000.00} balance on the business account. In fact, not do I met the minimum credit requirement of XXXX, my personal credit score with XXXX was XXXX at the time of the pull. 
I was in for a rude awaking on XX/XX/XXXX, I was told that my company has been denied due to the fact that the company 's EIN was not listed on my personal Schedule-C personal taxes returns for XXXX & XXXX fillings!! This was a shock to me as I am in the financial/lending industry and we know many single owned entity enterprises use either the owner 's SSN or the company 's EIN on the personal Schedule-C tax fillings. More Importantly, BMO Harris was out compliance for the date of the application ; XX/XX/XXXX and the date disclosure ; XX/XX/XXXX. 
Not only do I believe my company has denied for wrong reason, but also this has cost me 18 points reduction on my personal credit score with XXXX which BMO Harris is refusing to remove credit inquiry.

BMO Harris Bank not only are advertising this Business line of credit for minority, I they're disclosing it wrongly and their practice is deceiving the same people it supposed to help. I hope the regulators should take a look at it. 
Thank you Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have disputed an error for an account that I had with XXXX XXXX credit card with XXXX, XXXX   & transunion. I have provided a copy of the check that I paid the account in full to both the credit bureau agencies as well as XXXX directly several times and yet this account is still being reported as late and not paid. Legally they are obligated to correctly report the right information and they refuse to.

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 2020-09-15
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to my credit report Gulfcstcol received this account from another collector of which I did try and contact and explain what was going on. Thought all was well and then I seen Gulfcstcol had put it on my credit report as derogatory remarks and owing {$250.00}. First of all they  have repeated the charge twice, dated XXXX, making it look like two charges now. Secondly the first charge never should have been on there at all as I was under XXXX XXXX at the time and went into hospital and they were accountable for the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: EQUIFAX, INC.
State: NY
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
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 information incorrect

Complaint:
Correct amount owed should be {$7200.00} with 7 payments remaining. Ive contacted the creditor and credit bureaus on numerous occasions with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi On XX/XX/2020 I have submitted a dispute against the credit bureaus to eliminate some erroneous accounts in my credit report, but so far I have not received any responses from them. I have sent letters month after month since XXXX and I still haven't received any responses. I need help to know the status of my disputes. 

I enclose the first round of letters sent to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: GOLDMAN SACHS BANK USA
State: CA
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:
Had multiple charges from a merchant called " XXXX '' brought this up to the attention of Apple card Goldman Sachs. They flagged the charges as fraud. few weeks later i received an email notifying me that the charges where found in the merchants favor. The merchant claims they have evidence that im associated with the address they have on file. I inquired to that evidence and Goldman Sachs was not able to produce any evidence. 

I believe this is gross negligence and breaches my rights under the Fairs Credit act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Security Credit Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Im not sure if this man is calling from the same company, but hes calling my children leaving messages as if ive broken laws and that hes calling the authorities. They put me into collections fraudulently and i fought it on my credit reports and the account was removed. This would be the only company harassing me since all my debts were included and discharged in a bankruptcy. He says his name is XXXX and his # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: National Enterprise Systems, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX National Enterprise Systems from XXXX ext XXXX  and XXXX XXXX from National Enterprise Systems take turns calling my place of work is at a high time record of 16 calls in one day. They threaten my co workers and bosses to give them my work schedule so they can call me and harass me during my work shift. I only work 4 hours a week, and they call even when I'm not there, they won't give me any information on the debt owed without first giving them my personal information and my social security number. I have not received any notification by mail. It is not my debt, so make them stop calling me at work. My bosses and myself have ask them to stop calling me at work, but they seem not to care and keep calling even after the threat of hiring a lawyer to sue them. I won't have a job if they keep this up.

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 2019-06-12
Company: DISCOVER BANK
State: OH
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: Overcharged for something you did purchase with the card

Complaint:
Discover has charged me, multiple times, for the same purchases. I have paid for these purchases, but they continue to charge me for them. Also, I disputed a charge, based on the quality of the purchase not being as guaranteed. They denied my dispute. I have since closed my account, but they continue to charge interest on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
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:
As

a victim of identify theft there are invalid inquiries on my report. US SM BUS ADMIN  XXXX - XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/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 non-monetary relief
Consumer complaint received 2018-03-15
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
This is the second complaint to the CFPB on this death/assumption/modification closing. To date OCWEN has only retaliated for my complaint by changing the terms and transfering my deceased daughters loan which had been transferred to me, back into her estate? 

The loan was transferred to XXXX who is now requesting {$12000.00} which Ocwen claims to have forgiven : Current Terms were : Unpaid Principal Balance : {$21000.00} Interest Rate : 10.375 % Remaining Term : XXXX? 
Loan maturity date : XX/XX/XXXX Proposed Terms are : Unpaid principal balance {$33000.00} Principal forgiveness : {$9000.00} Amortizing unpaid principle balance : {$24000.00} BALLOON PAYMENT : {$4200.00} INTEREST RATE : 3.875 % REMAINING TERM : XXXX? 
REMAINING AMORTIZATION TERM : XXXX? 
Modification Effective date : XX/XX/XXXX? 
XXXX XXXX XXXX : XX/XX/XXXX I continually questioned the terms of the death/assumption/modification and finally received this unofficial non RESPA document. I was told that there was no BALLOON NOTE and all this information would change after the trial period? It was not changed but instead my daughters loan was transferred to cover up this disaster. In addition I was continually questioned as to where I got the document? So I gathered I was not supposed to know that I was being defrauded and taken advantage of. 

I was already promised by the OMBUSMAN department that they would adjust the junk charges added to my loan previously when this loan was paid off? Is it a technicality that transfer does not mean paid off? 

Ocwen is now requesting estate documents before they can talk to me ( letters attached ). Documents that were provided last year in order for them to provide a mortgage assistance acceptance form and final notorized borrowers acknowledgement ( both attached ). 

The payments are current to XX/XX/XXXX and all payments were made as agreed per the contracts we are into 6 payments and no one is paying attention. All documents have been provided after continually contacting OCWEN and finding someone who made sure I got the documents to notorize and finalize this transaction. Only to find that it has not been finalized because of the retaliation from the attempt to rob me and my deceased daughter with a pen. PLEASE, PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect info for this account XXXX  XXXX Account # XXXX. Because accounts that are incorrectly reported by your company and XXXX, XXXX & Experian are different, this means the account has not been properly verified. Please delete this account 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 2018-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
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:
The following are hard inquiries on my account that don't belong because I've never applied for a credit card with any of these businesses. There is currently an investigation going on in which my mother had taken loans on my credit and I believe she is the one still applying for credit cards. 
XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX All Banks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 notified TransUnion, XXXX, and XXXX of unauthorized inquiries on my credit report. Since the creditors didn't have me authorization, written nor verbal. I ask the credit reporting agencies to immediately delete the inquires. I previously requested the creditors delete the inquires also, and was denied.

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