BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had three credit cards with Capital One going back to XX/XX/XXXX in various credit limits : {$300.00} business Visa, {$1200.00} Visa and {$2200.00} Mastercard. In XX/XX/XXXX, I was notified about an alleged security issue and all card numbers would be changed and new cards issued. I never got replacement cards or statements-only call that indicated that between XX/XX/XXXX and XX/XX/XXXX the balances in all three skyrocketed over the credit limits. Before that, I could not charge even {$1.00} over the limit. I started making civilized phone calls about the lack of explanation, continued to pay on what the previous balance was until XX/XX/XXXX when I had to stop. The accounts were not closed and I could not get cards until the alleged debts were paid. I finally got the accounts closed by a foreigner. The accounts showed balances over {$4000.00}. They were ultimately charged off. Then in XX/XX/XXXX, I got a welcome notice from VISA about my new {$3000.00} credit limit account-accompanied by no card and balance already over {$2000.00}. I reported this to the newly formed CFPB. Executive Response employee XXXX XXXX informed CFPB that she had indeed opened a new account with high credit limit to improve my credit score. I never heard back from CFPB about the legitimacy of a company opening unauthorized credit cards with no card and strong arming for illegitimate debt. However, in the meantime XXXX XXXX was hauled before Congress for doing the same thing-opening fake accounts. I just have tried to refinance my home mortgage at 8.3 % since XX/XX/XXXX-only to find the fake Capital One charge off back on my credit report. The statue of limitations in Louisiana for collecting is three years. XXXX is defending it allowing this on my report 5 years later and explains, after over three hours on the phone, transferred to 7 people in three countries,  that this WILL remain on my credit report 10 years. Completely talking over me, the investigative branch in XXXX for XXXX puts me on music after the three hours of abuse. My second attempt at refinance this year was denied because of this. Just taken off XXXX was a phony second mortgage from XXXX ( XXXX ) that doesnt exist anymore but was showing as current-for the same {$140000.00} home totaling over {$260000.00} mortgage payments. That huge debt for someone with my limited income tanked the first refinance. The double mortgages still appear on XXXX  ; the Capital One alleged debt appears on XXXX again along with a debt collector XXXX XXXX with fake address and phone number ). Capital One did not provide a phone number and gave a XXXX XXXX XXXX address for this XXXX VA account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I keep getting phone calls from several phone numbers leading back to Diversified Consultants , Inc . They have left one phone message threatening me that they were going to call the police on me and have me arrested if I don't show up in court. The other times they just call and don't leave a message. I block the calls but then they call back only with different last four digits. The only credit cards I have are the ones I currently use and make monthly payments on them and have had no problems with the companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-22
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
I received I refund from XXXX from a reservation that was canceled. I paid using my paypal account with a debit card ending in XXXX. I closed this XXXX account on XX/XX/2018 and PayPal proceed the refund on XXXX XXXX. Since I never received the money I called XXXX to see where my money went and they said the money is not on the account since it is already closed. I contacted PayPal more than 3 times reagarding my refund and asked them to put it in another account, they refused to do it since they claim the money is in my XXXX accout. Today they sent me an email stating they money is in a card ending in XXXX. I have no card ending in XXXX, the credit card I have with XXXX ends in XXXX. PayPal reduces to give me my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX XXXX went bankrupt and closed all account. I was negatively impacted by this because my score dropped 15 points.

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 2020-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
TransUnion did not provide name, contact information or documentation for the data furnisher in response to my Method of Verification Letter.

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 2018-06-26
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I went to XXXX XXXX from XXXX XXXX XXXX by XX/XX/XXXX i was employed full time at a non profit company. apparently partial amount of my loans went into repayment in XX/XX/XXXX and the rest in XX/XX/XXXX. i went on XXXX XXXX XX/XX/XXXX for which i continued to make payments regardless. around that time ( XXXX - XX/XX/XXXX ) i applied to be put on the IDR repayment plan and WITHOUT my consent/knowledge nelnet put my account in forbearance although i made normal payment that month and at the normal amount. 

in XX/XX/XXXX once again nelnet put me into forbearance WITHOUT my consent/  knowledge when i enrolled in their autodebit and they still received their normal payment at the due date. 

I transferred into a public service loan forgiveness program through XXXX in XX/XX/XXXX and my loans. After contacting nelnet I found out that WITHOUT asking/knowledge they put my account once again in forbearance when i continued to make normal payments. 

then there are a period of approximately 8 months where they say they have no record of payment BUT at the same time say there was no forbearance or deferment but refuse to answer my question as to why there would be no payments and the lack of negative reports/delinquency notes on my account. 

ALL of these issues have caused me to loose out on over 12 qualifying payments for my loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Experian Information Solutions Inc.
State: AR
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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

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 2018-06-26
Company: First Advantage LNS Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My husband & I rented an apartment at XXXX 's XXXX ( XXXX XXXX ) since XXXX. We were good tenants and regularly had maintenance repair things, kept the place nice, etc. In XX/XX/XXXX, my husband passed away suddenly from XXXX XXXX unexpectedly. I am permanently XXXX. I went into the office and spoke to XXXX XXXX a few times explaining I couldn't afford the rent anymore and would probably have to leave. I told her I had to see when everything settled. She was fine with that and told me that they needed 60-90 days notice if i left and said they would work with me due to the situation. 
In XXXX I sent an email stating I could no longer afford financially to stay. I also went back to speak with XXXX telling her my husbands employer had dropped me and my children from insurance and now i had to pay for all my medical, prescriptions, etc. So i had no way of affording the rent and that I would be leaving by the end of XXXX. As I had informed the office by the end of XXXX, I packed up, spent the weekend cleaning, painting with help and shampooing the carpets. Now since XXXX we had paid a deposit for a cat plus {$25.00} a month pet fee. All the walls were repainted with 2 coats of white paint. there was normal wear and tear in the apartment after 7 years, the carpet had never been replaced but regularly shampooed by me. There was a spot in the bedroom they claimed was from my cat, but it was actually from the maintenance man XXXX who when our air conditioner leaked, he drilled a hole in the unit causing the stain. counters get used, etc. 
But in the end of XXXX i get a note from XXXX XXXX stating they are keeping my security deposit, i owe damages, plus 2 months rent. I tell them I don't owe as i am XXXX and my income ( my spouse ) has died i can break the lease. they sent me to XXXX who tells me they are sending me right to the credit bureau and has done so making my credit go down and i don't feel this is right. I would like them to take this off my credit report immediately and i would like the so called debt eliminated and actually would like my security deposit refunded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
We entered into an agreement to purchase a XXXX Truck from XXXX XXXX XXXX XXXX XXXX XXXX XXXX Indiana. After numerous e-mails, a wire transfer of funds was sent and the truck was to be delivered the next week. When we received no information about the delivery, we called the dealer and the phone was not working. All information is still up on the website, including the truck we supposedly purchased. We tried contacting the bank that our bank, XXXX XXXX XXXX, transferred our money to and they are very rude and told our bank agent that they do not like dealing with XXXX XXXX XXXX  and will make them jump through hoops before dealing with them. However, they did let XXXX XXXX XXXX know that the funds in the account we sent our monies to were frozen. This happened on XX/XX/XXXX and Iberia Bank of Louisiana is still not cooperating about what has happened to our {$25000.00} that we transferred. The XXXX XXXX XXXX XXXX XXXX XXXX is still advertising classic cars for sale, but will not answer our phone calls. I am attaching all the e-mails and information I have to substantiate our claim. 

On the wire transfer instructions, it is listing Iberia Bank with a XXXX Indiana address, however, there is no Iberia Bank in Indiana and our monies went to Iberia Bank in Louisiana according to the routing number. Our XXXX XXXX XXXX Agent, XXXX, has called them numerous times and they will not deal with her. I filed a report with the Police Department in XXXX Indiana, however now that we know the bank is in Louisiana, I had to call the police department there are they would not take a report. I filed a report with the FBI, but have not heard back from them either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/XXXX I disputed Experians failure to accurately report information surrounding a credit card that I have had for over 9 years. I contacted my credit card company, XXXX XXXX who advised they have been sending the information to experian. Experian is NOT updating my credit report with accurate data. As a result I am suffering from increased interest rates from various institutions because of Experians unwillingness to investigate issues on their side.

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 2021-05-07
Company: FREEDOM FINANCIAL NETWORK
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I Signed up with Freedom Dept Relief, in I think 2018 Freedom dept relief, said that I pay them and in turn they would pay off my Creditors. 
What happened was that I paid Freedom Dept Relief monthly, They did nothing with my Money, except ruin my Credit, My depts were not paid and my credit was ruined

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: MIDCOUNTRY FINANCIAL CORP
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I obtained a loan from XXXX towards the end of 2016. I have been making my payments that was agreed upon initially every month and they have been reporting me to the credit bureau as behind every month. I have called for two weeks straight and was kept on hold for hours every day. The automated system try to refer me to the online site but I can not get on my account because it keeps telling me to contact customer support. They wouldnt refinance my loan as I requested unless I reapply for another loan which I refused because that would be adding on to my current loan. 

After my refusal to reapply for another loan, they went ahead and submitted new application which required a credit pull that was declined without my authorization and then they told me that I wasnt qualify anyway. Due to my PCS move to a new state, I took a huge pay cut which was the reason I wanted to refinance but they decline. 

I asked for copies of the actual contract and the payment history because I had no clue what the balance was and they just ignored my pleas. This has been going on for months. They locked my account and it tells me to contact customer service but its going on 3 weeks now and was put on hold for hours. I receive no update on my payments & balance and recently out of curiousity because I know the loan should be close to being paid off but no luck. I am so tired of these companies getting away with these types of fraudulent business behavior. The sad thing they advertise so much about helping military families and yet theyre taking from them more than helping. I am never working with this company ever again. It was a time of distress that I had to take this loan from them to help cover my brothers XXXX because he was XXXX and his insurance had dropped him because the XXXX treatment was too expensive and this is what I had to deal with. Its so hard to deal with them once I obtained the loan. Dont ever believe their untruthful slogan about helping military families. Its a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: EQUIFAX, INC.
State: LA
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:
My credit report is showing an account for XXXX XXXX XXXX Acct # XXXX that has been paid in full which when the account was paid in full XXXX agreed due to a goodwill payment, once the payment has been made they will honor my request for my XXXX  to be deleted off my credit report from all three credit breaus. Well needless to say, your credit breau has yet to honor XXXX  deletion request off my credit report, the account is still showing on my credit report as closed. I have also faxed the document to your company, called and spoke to a representative at your office, informed them of the contact name and phone number who they can call at XXXX  to confirm the information on the letter attached is accurate and still nothing. Let me provide you the information again, I spoke to XXXX XXXX with XXXX XXXX-XXXX-XXXX who is the collections manager with XXXX. XXXX with XXXX   provided me with the letter attached approving the XXXX account to be deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage Servicing is in violation of CFPB 1024.37 ( b ) Basis for charging borrower for force-placed insurance. A servicer may not assess on a borrower a premium charge or fee related to force-placed insurance unless the servicer has a reasonable basis to believe that the borrower has failed to comply with the mortgage loan contract 's requirement to maintain hazard insurance. 

The property is a condo and they are requiring I provide them with master HOA insurance policy showing the renewal. I obtained an updated copy and provided it to them multiple times. It is the same policy number, coverage amounts etc. as the previous policy and shows updated coverage dates. Please note this is a recurring pattern with this company .This has happened to me twice since my account was transferred to them in XX/XX/XXXX. I provided them a copy of master HOA policy at that time and several times after and they still forced placed insurance and it did not get resolved until XX/XX/XXXX and now the exact same thing is happening again due to insurance is an annual policy. 

I received a letter from them on XX/XX/XXXX advising a renewal HOA hazard insurance was needed. I uploaded the renewal policy to the portal as indicated on the letter at XXXX along with a code to enter on XX/XX/XXXX. 
I received no reply. XX/XX/XXXX I received a second and final notice to provide insurance. I called Shellpoint on XX/XX/XXXX and after an extensive hold time spoke to a rep in the insurance department who didnt seem to know what an HOA master policy was and told me to upload my tax bill because they were so clueless as to what insurance is. After I repeatedly corrected their rep, I was told that portal on the letter was not good and that I should log into their website for better service and attach the proof of insurance to an inquiry. There is no mention of this on either letter. I did as suggested the same day and sent the HOA renewal policy through another tool on their website. I was told it would take 3-5 business days for it to be reviewed and the only way I could tell if it had been cleared and accepted was by checking my statement. On XX/XX/XXXX I received my statement showing Lender placed insurance hazard disbursement on XX/XX/XXXX for {$160.00}. This is the 2nd time in a row they have done this to me and is a clear abuse of power especially to people who are uniformed of the process and unfamiliar with regulations such as this one. They are unfairly charging customers by charging for Lender forced placed insurance when proof of adequate insurance was already received by them.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: Experian Information Solutions Inc.
State: TX
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:
The bureaus are reporting accounts that were results of identity theft. I tried times after times to ask for blocking under FCRA 605B but the bureaus do not care. They are violating several laws and regulations but do not seem to care.

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 2018-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
Unhappy with the way Capital one is handling disputes, by stating that XXXX is not giving them enough room to help me.It looks like Capital One wants to charge me the amount without looking into the fact, which is costing me more money and time to get my refund, and happening repeatedly. 
On Fri, XX/XX/XXXX I was charged {$990.00} by XXXX XXXX XXXX for fixing coolant leak in my car for First Time. My car is again coming back with same coolant leak issue. Next I went back and I was charged Tue, XX/XX/XXXX was charged for {$510.00} and again the coolant leak is coming back, when I went back for second time XXXX 's initially agreed to fix the issue at no additional cost and told it will be resolved in a day, but they hold my car for extended period of time and charged me additional amount. I have no faith in XXXX 's motor, as they are ripping me off by no fixing my car and trying to make me come back and charge additional money. If Capital one needs second opinion for me to get my refund, then I request Capital one to pay of a professional to diagnose my car and give a written note, as for me my car is the evidence that the car coolant leak is not fixed. 

I filed dispute with capital one for both transaction and Capital one refuses to refund my money, only because XXXX XXXX XXXX send my invoice which hold no weight or proof that my issue is resolved. I only signed the invoice with the garuntee that XXXX 's has resolved my coolant leak, but my coolant is still leaking, I have to top off little coolant every other day and drive my car, which is costing more money as it is. 

Adding to above, during my second visit XXXX XXXX XXXX ill advised me to sell my car, so that I wont have any evidence to prove my case.

Company response to consumer: Closed with non-monetary relief