BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-03
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021, I was scammed in the amount of {$1400.00} through US Banks platform via XXXX. I received a call from a guy and he stated he was calling from XXXX. He stated that someone was trying to use my debit card at XXXX, ordering a {$1500.00} iphone. He asked me to go online to XXXX, fill-out claim form to have money refunded. I continued to the XXXX site which he walked me through, which looked legit, filled out claim form and clicked GET REFUND MONEY. After that, he had me to go to another website, clicking on different buttons, and unbeknownst to me, he had access to my computer. Once he had access, without my knowledge, he told me to go to my online banking to see if money was refunded and at that time, my screen went blank. I asked why is my screen blank, he stated dont turn it on. I stated I already turned it on. Apparently, at this time, he had access to my computer and bank information and quickly did a XXXX transfer to himself. The name the XXXX was transferred to is XXXX XXXX, phone number : ( XXXX ) XXXX. Once I realized what had been done, I quickly contacted US Bank and reported this fraud/scam transaction. US Bank put account on hold pending fraud investigation. When the fraud investigation was completed, XXXX stated that XXXX denied my claim. XXXX further stated that their FDIC does not cover third-party fraud claims. Could you please be so kind and help with this issue. Thank you for your time and consideration. Should you have any further questions, please feel free to contact 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 monetary relief
Consumer complaint received 2018-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA- XXXX XXXX Dear Capital One, Capital One Credit card ending XXXX Today ( XXXX2018 XXXX XXXX PCT ) I called your customer assistant Plan department and answered XXXX and asking payment assistant plan for above account number. Begin she not treated me as a valued customer and she asking same questions again and again. I told her I had account Last 4 number ending XXXX already in Payment assistant plan and I need to sing up with this account as well. 
She without checking said for me your both account current and not eligible for payment plan. I felt she given me wrong information. And same time she treated me unprofessional and I felt discrimination. 
I told her to transfer to account supervisor and I spoken with XXXX ( Customer Advocate Department ). She also very unprofessional  behavior and she cover it up XXXX XXXX was right. She basically said I have to skipped 4 months minimum payment and get my accounts past due and call again and see I am eligible to payment plan. I felt also she discrimination on me. 
She transferred my call to executive office and answered my call XXXX ( ID : XXXX ). She also not help me out and she not give any positive feedback. I felt each persons treated me very unprofessional. 
I having hard time financial situation and I loved to keep this account open and Please help me reduction APR for short period really appreciated. 

Thank you .. 
XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-26
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
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 already reached out to CARRINGTON MORTGAGE SERVICES and to the 3 BUREAUS ( XXXX, XXXX and XXXX ) and notify them of their error posting of information on my report. I was never late on these accounts. On XXXX, I received their acknowledgement of the QWR and said the investigation would be complete on XX/XX/19. But they never sent a response. They are required by law under the RESPA/ Dodd Frank Wall Street amendment to provide the acknowledgement in 5 days ( research this to double check ) which they did, and then investigation results in 30 days. Which they did not. They are now in violation and must remove the 4 late pays reported. 

I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical first hand documentation of the payment history but I did not receive what I asked and these violations still persists on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I spoke to XXXX XXXX from Navient back in XX/XX/XXXX. He requested I provide 2-3 paystubs in order to enroll in a new program. I uploaded the information and fast forward 3 months later. I keep getting calls from Ohio ( like every 30-1hr ) leaving voicemails with no message at times or leaving no vm 's at all. At first I was n't sure who it was, until It angered me and that 's where I found out it was Navient. Just to find out I was delinquent 3 months and I owe over $ 1k. Never had a problem in the past and now they are telling me im delinquent when I clearly spoke to one of the employees there. Also, to find out they never received my information. Let me remind you my personal information is on these paystubs, and to find out they do n't have anything on file for the month of XX/XX/XXXX, that 's actually scaring me. Now, Navient is asking for my paystubs again and I do n't feel comfortable doing it. I need help and I need help fast because Navient is not a friendly, helpful company to deal with. If someone can guide me the right direction that will be highly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
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:
I requested by letter for Experian, XXXX and XXXX to validate the missed payment on XXXX accounts with the Office of Attorney General. I received a response by email from Experian and by mail from XXXX and XXXX by mail. That the accounts were verified as correctly reporting. All XXXX credit bureaus reports are inconsistent showing sever missed payment on XXXX case XXXX has reported XXXX payments being missed. While XXXX reporting XXXX missed payments and no other data received. Experian reports has a XXXX days pass due since XX/XX/2021 and all three agencies reporting different amount owed. The same inconsistency is report on the other XXXX cases with the XXXX office. I haven't received any documentation supporting their findings from the investigation. I had miss work and went to the XXXX office for a print out of my payment history there was no missed payment due to the payment is being garnished from my pay check. I don't know how Experian, XXXX XXXX and XXXX received the information I was told at the XXXX office that they don't give out this information over the telephone without proper identification. Must be in person or a legal representative for the custodial or noncustodial parent in the case.

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 2018-01-23
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX, our Loan servicing was transferred from XXXX to Carrington Mortgage Services , LLC . We never received any communications or information from Carrington. The only information we received was a notice of servicing transfer from XXXX. XX/XX/XXXX, we finally get a letter asking for updated contact information. I mailed updated contact information back to Carrington. XX/XX/XXXX, an unknown person showed up at our residence with a piece of paper with a phone number that stated contact as soon as possible. My husband called the number XXXX on XX/XX/XXXX. It was Carrington and the conversation was about what were our intention to do with the property. He asked why have n't we received a monthly statement and was told they do n't automatically send them, we have to request one. When I mailed XX/XX/XXXX payment, I requested a statement and have yet to receive one. XX/XX/XXXX, we received a blue envelope from Carrington with our check for XX/XX/XXXX 's payment and a letter demanding a quick collect or XXXX XXXX payment. XX/XX/XXXX, my husband called Carrington about why we received the letter and why they returned check for XX/XX/XXXX. He informed them that all payments were made on time and up to date. Carrington had cashed all our checks. They stated their records showed no payments were made. 
I pulled cleared checks from our and faxed to them. Carrington stated they will look into it and get back with us but process could take 30 days. XX/XX/XXXX, we received a letter of intent to foreclose and another one XX/XX/XXXX. This has been very frustrating to have to deal with a Company that is supposed to have our best interest first. They have been cashing payments and not professionally handling them. Then to threaten foreclosure when they are mishandling funds. We have to jump through hoops to prove to them that we 've paid them. It 's sad. I had a credit card cancelled due to incorrect information being reported to the credit bureau due to their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Transunion continuously reporting a balance increase and reporting a incorrect balance of {$18000.00} for my XXXX XXXX XXXX XXXX each month. I disputed this twice with no update.

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 2018-01-23
Company: Big Picture Loans, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had applied for a loan of {$800.00} with Big Picture Loans on XXXX XXXX of 2017. I was given a astoundingly diffrent pay back amount. The amount was deposited into my account. Soon after I was informed that I would be paying XXXX a month for a year. This is over 200 % the money I had borrowed. It is criminal. I am XXXX and they know this. It is over a 1/3 of my income with a family to take care of. I have already played XXXX. I was misinformed from the beginning. I have called and been hung up on time and time again. I am in such disbelief. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
Debt for Capital One was cancelled and reported to the IRS as income in XX/XX/XXXX. Capital One still reporting full amount delinquent. If debt has been cancelled and account closed they should not still be reporting full balance amount. I contacted Capital one on XX/XX/XXXX and XX/XX/XXXX to inquire of this reporting and were advised they do n't have to stop reporting if the debt is cancelled but the amount they are reporting is incorrect for a cancelled debt. 

XXXX XXXX is reporting a balance of XXXX on my credit report and the XXXX was paid in full but they are refusing to remove the XXXX because I have another balance in their office of a lesser amount. I contacted XXXX XXXX on XX/XX/XXXX to ask to remove the XXXX from credit report as it is what is reporting and was denied that request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian, XXXX  and XXXX have not updated my mortgage file and my mortgage company has not update the file either i have dispute the information on several occasions and nothing, my file is reporting foreclosure and i am in forbearance i am trying to refinance my property and i cant cause they are not reporting the correct information and when the bank pulls my Experian file shows I'm in a foreclosure status XXXX has not updated the file in over a year and states the account is closed, and XXXX  shows the account is closed, XXXX XXXX XXXX XXXX is the agency reporting the information, i have called them on several occasions also to update the files and nothing has been done the account is an active account. due to all party 's involved being negligent, i am requesting that the foreclosure be removed from my account because it is hindering me from getting my mortgage refinanced. i am expecting that this item of foreclosure be removed immediately. and update my account accordingly.

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 2020-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I disputed a transaction in them amount of {$54.00}. I mailed the product back to the seller in XXXX. I provided BOA with the tracking number, which states the XXXX post office received my item XX/XX/XXXX. I dont know how the postal system works in XXXX. 
But I did my part by mailing the product back and getting a tracking #. Bank of America has refused to refund my monies despite me providing a tracking number. 
Im not sure if they receive a percentage of sales from XXXX or why I have to fight to get my funds back.

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 monetary relief
Consumer complaint received 2018-01-23
Company: ERC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Years ago I had a cell phone account with XXXX XXXX XXXX. I went through the proper steps to close the account and moved to a different provider. XXXX XXXX XXXX continued to send me bills for service in which I had ended. I repeatedly called their customer service and they would say it has been resolved. Years later I continued getting a bill saying I owed for service in which I did not have. I learned later that XXXX XXXX XXXX has class action suits against them for the same practices. Eventually they turned my bill over to a collection agency in which I have zero correspondence. It shows on my credit report.. XXXX XXXX XXXX has XXXX tactics and poor customer service. If they were to pull up the account for the dates years ago they would see that there was no active account and no activity on the account. I think with research it will be found that XXXX XXXX XXXX has done this with many others.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I opened a dispute in XX/XX/2021 for charges I was assessed by XXXX and XXXX marketing after numerous attempts to dispute with the merchants. I canceled all ads and marketing but yet was continuously being charged. After attempting to resolve it with the merchants I opened a dispute with USAA my bank. I never received any request to provide information. I logged in today to see that my account had been reversed with the charge. I called immediately and was told additional information was needed and I promptly provided it. With the XXXX, my mail is often delayed and we have a shortage of XXXX XXXX XXXX in my community and share a mail box. I was told that it was in the mail and promptly requested to reopen because it was same day. I turned over all documentation to support even proof that it was canceled. I was told that the dispute was reopened. Pursuant to https : XXXX1005/11/ # b-3 section ( c ) ( iii ) if there is an open dispute investigation the funds are to be issued for a provisional credit until it is resolved. The funds were never reissued and I was just told basically wait for a resolve from the investigation but be financially penalized even tho I provided overwhelming proof of the cancellation, the date and even me challenging the merchant Numerous times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I electronically deposited a check for {$3700.00} into my checking account. The bank stated that the funds would be available on the XX/XX/2022. On XX/XX/2022 Chase put the checking account in restricted status. The check was made out the my wife, however, the check has my name on it as well. Instead of me signing my wife 's name first I signed mine name. The transaction was flagged and considered to be fraudulent. I spoke to a customer representative in the restrictions department and they explained to me that the check needs to be verified in order for the funds to be released to the account. Meanwhile, Chase cashed the check and is holding the funds. My wife and I both went to our local branch to further handle this situation to verify ourselves and that the check is issued to use and the bank still refused to released the funds to us. They told us that the account will be closed due to the correct verification measures. On XX/XX/2022, my wife and I went to another branch and spoke to a branch manager about this situation. She stated that the old account is closed and offered to open a new checking account. She also stated that chase would direct the funds of {$3700.00} would be transferred to the new account within 4-5 business days. We still have not received the funds yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: TD BANK US HOLDING COMPANY
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:
I entered on XX/XX/XXXX in effort to pay the debt off .I was told by agent that I needed to pay {$76.00} to start the payment plan which I did. When I log into my account online it stated that I owed {$46.00} I called in and was told that I should ignore that as it takes time forthe plan to take effect I have made each payment as they are drafted from my account on the XXXX .I did speak with a supervisor and was told that it would take 48 hours to fix .However my credit as been negatively affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: Experian Information Solutions Inc.
State: CA
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 have tried to get old addresses removed and addresses that are complete errors on my report. The credit reporting agencies seem not to care in any way. I just want my credit report to be factual and correct. Two addresses I use are XXXX XXXX XXXX   XXXX XXXX # XXXX XXXX XXXX XXXXXXXX, CA XXXX ... .. 

XXXX XXXX XXXX XXXX  XXXX, CA 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 2019-02-01
Company: TRIAD FINANCIAL SERVICES, INC.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Triad financial services uses predatory business practices, unlawful debt collection behavior, and will try to reposess your house on charges you do not owe. We never received closing loan documents. They have processed our mortgage payment a month late every single month and have tried to hit us with late charges. They also did not credit us with a payment more than once and I had to submit proof that we paid them and they cashed it multiple times. We have submitted proof multiple times that we paid every month, and the continued to harrass us with phone calls saying we were a month late several times a month for the last seven months. When sent a cease and desist with requests for proof that we were missing a payment, loan documents ( including promissory note ) and to stop the harrassing phone calls over a debt we do not still owe they sent us a threatening letter saying they are going to reposess and foreclose if we did not pay the disputed amount and the current month payment within thirty days. They have been made aware of charges to our account not due and yet it says in the notice that they are not aware of any such charges. They have been made aware. Multiple times. This is despicable behavior for a company to engage in.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: EQUIFAX, INC.
State: TX
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 report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation