BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Capital One will not allow me to link my accounts to a third party accounting service. Specifically, XXXX - XXXX XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: Southern Management Systems Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt verification letter within the 30 days provided by original letter ( have proof via certified mail and original letter ). However, before sending any verification of debt they reported it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: CITYWORTH MORTGAGE LLC
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: Reporting company used your report improperly

Complaint:
I was working with City worth to refinance my house just started in XXXX and and they said that my credit score was too low and to work on it and they would figure out how to get my refinance to go through they called me every single day saying they were closer and closer yet I did not know they were pulling my credit numerous times and sadly they said I was approved and all in all it was a huge scheme and now they want me to pay the money and refuse to take the inquiries off my account because they want to continue to try to get me the loan even though I have not given them consent to keep pulling my credit and they pulled it to the point that I can not refinance with anybody and they have taken the last 2 years of my life of trying to get my credit up and destroyed it the man working on my case of the refinance told me that his boss what's the one that told him to keep pulling my credit and the man wants to send in a paper State and that yes he was told to pull my credit but the boss will not allow it and he told me the best thing is to dispute the charges and that's pretty sad that it's coming from somebody that's inside the company I've already reported them to the XXXX XXXX and now I am just trying to get these inquiries taken off my account because like I said they scammed me to the point where they took everything away from me and now I will have to wait another 2 years before I can try to refinance because I have to bring my credit score back up if you do not take the inquiries. off. This company has literally destroyed my life and were calling me and asking me for so much information that when I got the SBA loan from the IRS I didn't have to go through this much and it got to the point where they called me right when my XXXX XXXX and were forcing me to find paperwork and I told him I didn't want to continue on with us numerous and numerous and numerous times and then to have a phone call just last week from them State and that they were going to close out the loan because the credit score was too low and that's when I realized that they were pulling my credit almost every 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: Fidelity National Information Services, Inc. (FNIS)
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I attempted to open a checking account with XXXX XXXX XXXX on XX/XX/XXXX and was denied because Chex System is currently reporting I owe XXXX   XXXX XXXX  XXXX {$250.00}. XXXX XXXX was included in my bankruptcy case and the debt was satisfied when I was discharged on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
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 status incorrect

Complaint:
Account with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX was included in Chapter XXXX bankruptcy filed on XX/XX/2018. Bank responded and filed a claim with the bankruptcy trustee on XX/XX/2018. XXXX XXXX XXXX  has continued to attempt to collect the debt by sending notices to my home and by reporting that we are 30, 60, 90, and 120 days late in payment to the credit reporting agencies. Bank was contacted, situation was explained, Experian was contacted to file a dispute, and still XXXX XXXX XXXX  attempts to collect a debt that is in bankruptcy and that they have filed a claim with the bankruptcy trustee to be part of the bankruptcy payout. XXXX XXXX XXXX is breaking Texas unfair trade practice laws, the federal Fair Debt Collection Practices Act, Texas fair debt collection practices laws, and the Fair Credit Reporting Act. XXXX XXXX XXXX was contacted, given the bankruptcy information ( even though they had filed a claim with the court ) and told to remove the negative information from credit report and to stop sending payment requests to me. They have not corrected my credit report. 

NOTE : I have copies of the statements where they tried to collect I can send at a later date. bank reported 120 days late AFTER I contacted them to STOP.

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 2018-09-05
Company: WESTERN UNION COMPANY, THE
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2018 I wired {$300.00} through Western Union online to pay a bill from one of my bank accounts to another. I paid a {$.00} fee for a 6 business day delivery. I called 7 business days later. First I was told that the money went through and is with my bank so contact them. I did contact them the same day and my bank told me that was false. Someone from WU said they would call the bank and straighten it out but I never heard back. I called several times since then and then was told a refund was issued with no reason why. I was then told that it can take up to 7 business days for the return. I have emailed and called since with no help and a lot of transfers and hang ups. I wait a long while to speak with people only to be transferred without help. I email the customer service desk with more promises about an investigation on this case, and I will hear back but have not for days. They did finally verify that i indeed do not have the money, but refuse to give me my money back and wont give me any answers. I did make a XXXX cell payment from the bank account that I was told the money was being returned to but since it never was I was over drafted with a {$30.00} fee attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: Midwest Recovery Systems
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a handwritten certified letter to them on XX/XX/2018 asking for validation and verification on this account that is negatively reporting on my credit report. I have not received any verification or validation on this account. Per section ( 609 ) of the Fair Credit Reporting Act I should have received validation and verification of this debt within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: Shellpoint Partners, LLC
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
ON XX/XX/2017 SHELLPOINT PULLED MY CREDIT ON XXXX ( SEE  ATTACHED ) FOR SHORT SALE APPROVAL PROCESS. THEY INDICATED MY SCORE WAS XXXX ON XX/XX/2017. I AM DEMANDING FROM SHELLPOINT TO FURNISH A COMPLETE COPY OF THIS REPORT FROM XXXX, OR BE SUED.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've had two major issues arise from Navient 's mishandling of my loan 's forbearance paperwork. One is that they claim my account was not in forbearance for a two month period and do not have records of the paperwork. Two is that they put this on my credit report as a missed payment for each of my 5 loans for two months totaling 10 late payments on my report. Navient has refused to correct this when contacted and claims they are in the right. 

1. These late payments vary across the bureaus but on XXXX  it shows XXXX and XX/XX/2014 and on XXXX it shows XXXX and XX/XX/2014. This is all around the same time period Navient split from Salle Mae and in all likelihood mishandled my forbearance. 
2. The first late payment is listed as a 90-119 day late and the second is listed as a 120-149 day late. How is that possible if the proceeding months are listed as current? 

3. Navient applied a late payment to each of my loans separately showing a total of 10 missed payments across two actual missed payments which should not of been shown as missed in the first place. This has been detrimental to my credit report and prevented me from placing my own name on the mortgage of my own house due to high interest not to mention my car loans high interest as well. I verified this when I disputed these payments and the loans temporary came off increasing my credit by 80 points! Only to go back down once they were re-added to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Exeter Finance Corp.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On XX/XX/XXXX I purchased a used XXXX XXXX XXXX XXXX from XXXX located in XXXX North Carolina on XXXX XXXX. The loan was approved by Exeter Finance. Contract was signed, delivery of vehicle taken and down payment of {$1800.00} paid. 

About a week or a week and a half later received a call from XXXX stating that my employment start date of XX/XX/XXXX fell short of Exeter 2 week time frame and Exeter was attempting to not fund the loan. Spoke  with Sales Manager provided information as to documentation provided to Exeter as well as approval from Exeter regarding the documentation. Was advised by XXXX that they would contact me if any further action was required. 

I did not hear from Exeter or XXXX. I contacted Exeter on XX/XX/XXXX attempting to make payment at which time I was told I was not a customer and referred back to dealer. Spoke with dealer and was advised that needed to bring the car back and have it returned to inventory and attempt to repurchase and obtain financing now that 6 months employment criteria was now met without an exception having to be made. 

XXXX has agreed to return the vehicle and exchange it for another that XXXX is offering for sale, however Exeters approval keeps yo yo ing anywhere from {$2000.00} down with 28 % interest XXXX this is agreed upon terms and specified financing option requested XXXX to {$4500.00} down payment requiremented depending on which location ( state ) the car is purchased in. 

XXXX has already titled the vehicle I am in possession of to me with Exeter listed as lienholder. Exeter says I am not a customer. XXXX states Exeter will be repossessing the vehicle. How can they repossess if I am not a customer and have not breached the terms of my contract with them? 

How can they hold a security interest in the vehicle if they are not providing a loan? 

Wouldnt the security interest belong to XXXX as stated in the financing contract they provided stating that they would be transferring the contract to Exeter?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: Northern Trust Company, The
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account was fraudulently accessed and personal data was changed. Once the data was changed, the fraudster than proceeded to make a {$60000.00} disbursement from the account ( basically draining the XXXX account ) and had the money wire transferred. The ACH transfer went through XXXX XXXX in XXXX, XXXX to a XXXX XXXX account in XXXX. The XXXX management firm, a company called XXXX XXXX [ Post Office Box XXXX XXXXXXXX XXXX XXXX ; phone XXXX ] WILL NOT provide me documentation of the chronology of the fraud related activity ( basically the details from the time the fraudster accessed my account to the time the money was moved ). XXXX XXXX will not provide any documentation, nor will they work with XXXX XXXX or XXXX XXXX to obtain the details of the fraud. The fraudster also used a XXXX XXXX : mail address, which they refuse to investigate. My expectation of XXXX XXXX is as follow : - Timeline of the account access ( screen shots from their systems showing when the attempted access started, how the fraudster got in etc ) - Timeline of how the personal data was changed and than the activity on how disbursement of the money occurred - Phone records of Alight employees who XXXX have interacted with the fraudster - XXXX XXXX has the Computer XXXX address of the fraudster and the XXXX : mail address ( it a XXXX address ) of who changed my personal data in the account This is just a small segment of the documented material I am entitled to. I want system screen shots and other documents from XXXX. I just do n't want a document just typed up detailing what happened. I have done more investigatory work than Alight ( or XXXX XXXX XXXX has done )

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 2018-06-19
Company: Servis One, Inc., Titusville, PA Branch
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
XXXX # XXXX Name XXXX XXXX XXXX. 
I had a loan modification with XXXX XXXX. AT the time XXXX  XXXX was collecting escrow for real estate taxes and Insurance. After the modification was approved the loan was sold to XXXX XXXX XXXX and I is currently being serviced by XXXX XXXX. 
I have 3 main issues ( besides the fact that their customer service is terrible and I can never get a straight answer from anyone I speak to ) 1. Where is the money that XXXX  XXXX collected for escrow ( insurance and taxes )? It has not been applied to my loan ( or reimbursed to me ) and I paid the insurance and taxes for XXXX and the XXXX taxes have not been paid ( I paid the XXXX insurance ) 2. XXXX agreed to waive my insurance escrow ( since I paid the insurance ) and they were suppose to reduce the escrow for the insurance from my monthly payment ( they did it for one month and then charged me escrow the next ). Now I paid the Insurance and they are still collecting escrow for both insurance and taxes. 
3. I signed up for their electronic payment and they charged me two mortgage payments in one month ( even though I was not behind ) then had the audacity to charge me late fees. I finally got it resolved ( through multiple letters and phone calls ) but now they charge me different amounts every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was selling an furniture through an online service ( XXXX ). A buyer contacted me claiming to be interested in purchasing the item. The buyer then sent payment through cashiers check ( for amount more than the asking price ) and asked me to money transfer the balance amount of {$950.00} through XXXX   money transfer and {$850.00} through Moneygram to pay for the transport guy which I did. The payment ( cashiers check ) turned out to be a fake, and Im out of money. I was able to cash the cashier 's check or see funds recorded in my account statement after two days of depositing the check but after a week to find out that the check has bounced. 
Can you please arrange refund of my money of {$1800.00} as I was a victim of online scam. Please see attached XXXX and Moneygram receipt for that I paid the buyer. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: Atlantic Credit & Finance, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
XXXX continuously calls pretending to be a Credit Agency and sometimes a Debt collector. They act very strangely on the phone and ask for employees at our company often revealing their personal info!

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 2018-09-05
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My original complaint was complaint number XXXX-XXXX. I had written in response to a XXXX form that I received without being able to get information regarding the reason I was receiving it. I have reviewed the response from Toyota but it raised some additional questions.The response from Toyota along with the history provided indicates that I purchased a Toyota XXXX on XX/XX/XXXX, then on XX/XX/XXXX the car was repossessed and then charged {$2000.00} in repossession fees and if I am reading correctly sold for {$530.00}. Then according to the response I was provided with some legally required notices however I do not see these attached. Again according to the response my account was charged off on XX/XX/XXXX, and in continued to make payments according to the history provided. Then starting in XX/XX/XXXX the payments up until XX/XX/XXXX are applied to interest which seems odd if the account was charged off. Neither I or the co-signer have seen these letters from XX/XX/XXXX that were attached. We continued to make payments on the account and then the letter states that Toyota ceases to attempt to collect the debt in XX/XX/XXXX. I have not heard from, received a letter from, spoken to Toyota in  years. I purchased and financed a new Toyota XXXX in XX/XX/XXXX. I purchased a home, got a mortgage, and purchased and financed multiple cars over this period. Now in XX/XX/XXXX I receive this XXXX, however I no longer have any documentation to try to affirm the amounts due or paid as it has been 14 years since Toyota says they charged the account off. While in the letter it states attempt to collect this debt ceased in XX/XX/XXXX, but is there any evidence of collection activity occurring, or when was it that the last collection activity occurred? How would I be able to verify that if this XXXX is correct, that it was issued in the correct year, account was charged off per Toyota in XX/XX/XXXX, and in the history it appears the car repossession charges that start from XX/XX/XXXX,  but then the car is sold in XX/XX/XXXX and the 2 year old car was sold for {$530.00}. The whole timeframe somewhat baffling. It just seems based on this timeline it would be really remarkable for me to have the records to verify or respond to this. There is no reference of this account appearing on either my or the cosigners credit report. It never came up as an issue when I bought a home in XX/XX/XXXX, or when I purchased a Toyota XXXX in XX/XX/XXXX. I just don't understand how I could have addressed it if there was no contact or info for me to respond to, if nothing the XXXX should have been issued in a different time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XXXX XXXX, XXXX I applied for a small business checking account online with BBVA Compass. I specifically chose BBVA Compass because they stated on their website that one could open a new business checking account online. I completed the application process successfully. 

On XXXX XXXX, I received an email from XXXX XXXX at BBVA. She asked some questions XXXX answers to which had been supplied during their online application process ), including whether I wanted to use my Social Security number or my business EIN number for the tax reporting on my account. I had supplied my Social Security number during the online application process, but also provided my company XXXX number for the tax reporting in a response email the same day. It does not matter to me if my XXXX or XXXX is used for tax reporting purposes for this account. Since I am a sole proprietor of this business, the tax process is the same for either number. 

On XXXX XXXX, I received a response from XXXX XXXX stating that since I had provided my EIN number, they would not be able to open the account. Instead, she said I would need to visit a BBVA branch location to open the account. She informed me that she had canceled my online application. 

I feel that BBVA was deceptive in this case by offering to open up a checking account online, but failing to do so. If the representative from BBVA would have explained to me the difference between using my SSN vs the EIN for the business, I would have chosen to use my SSN to open the account. I suspect that this offer to open the account online was just a bait and switch tactic in order to drive people to their physical branch locations where they would be able to use additional high-pressure sales tactics in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I reported the identity theft charges to Experian and The other credit bureaus but it was removed from credit reports

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