BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 sent police report to Capital one credit card and informed them that the credit issued under my name and soocial name XXXX XXXX is fraud. This happened after identity social security theft and i filed fca report. They deleted from XXXX credit burue. 
But they keep sendining information to XXXX  to label it as charged off account. I have evidence letter that this was resoved as frayd see attachment so I would like XXXX  to delete it I am XXXX  XXXX person and they ruined my credit, I made more than 5 attempts they delete and bring it back Please I want permenant delete My last social XXXX name XXXX XXXX XXXX Dob XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-04
Company: Security Credit Services, LLC
State: MI
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:
Security Credit Services continues to report to credit bureaus ( recently XX/XX/XXXX ) without validating this debt. I have no knowledge of what this debt is and have continually called this company, left numerous voicemails and have not been sent any validation information or return calls. This company is not licensed as a collection agency in the state of MI, their license lapsed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Identity Theft & Fraud, that was never blocked, on my account. Duplicated Account. 
Inaccurate Account Information, Incorrect Information on loans, balances, payment amount. 

Missing Credit Cards Accounts that is not showing on my credit. 

Example : XXXX/XXXX, XXXXt/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 2019-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Transunion has XXXX XXXX as an open account with a balance of XXXX. I was told by both Transunion and XXXX XXXX that this account would be removed by today, 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 2020-01-27
Company: PNC Bank N.A.
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage in good standing, which was sold to PNC Bank. Part of each payment is held by PNC Bank for Tax and Insurance Escrow. The escrow is set up by our choice, it was not enforced by the loan type. We have been escrowing for a number of years, but now I want to stop the escrow service. I submitted this request in writing and rcvd a response form PNC Bank requiring to pay {$340.00} by check to them as Escrow closing fee. 
Only after that they will refund the escrow balance of approx. {$2000.00} to me. I have never heard of charging a substantial fee to STOP providing the service. I have worked with local banks before and they have not charged anything to stop the escrow service. It seems that PNC is just abusing their power over the borrowers by making it extremely expensive to release cash they are holding on our behalf. It is banking 101, that the bank wants to keep as much cash as possible to leverage it for the lending and make higher profit. 
I called PNC Bank to complain in XX/XX/XXXX. PNC employee said there is nothing she can do about the fee, it is just a fee that everyone has to pay, but she would file a complaint. I have not heard bank as of today XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My Complaint has been on-going and not resolved with the Mortgage, first with XXXX XXXX, and then XXXX sold the home, and now SPS Inc, is the Servicing the Mortgage. 
The latest information/nonsense sent to me from SPS Inc., involves a letter from them to me dated : XX/XX/XXXX. I had asked SPS Inc., to provide me with the Appraisal done by XXXX XXXX in XX/XX/XXXX. SPS Inc., had another Appraisal done on XX/XX/XXXX, using homes in the same area in very poor condition, in order to bring down the price of the Appraisal, from what had been previously done in XX/XX/XXXX. 

SPS Inc., is aware that the remaining Loan Balance is is lower than the Appraised Value of the XX/XX/XXXX Appraisal, therefore SPS Inc., will owe me the difference, and they are attempting to low ball me, in order to avoid, paying me the balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: Resurgent Capital Services L.P.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
reply : i received an e-mail from XXXX an advertise on sale we have an men 18 '' ct gold ring for sale for a {$30.00} dwn pmt so i gave it a thought so i said o.k. also with 8 diamonds it looked so real so i took the ring to have it tested by a jewler and it was a fake piece of metal with gold coating on it so my next stept was to advise customer services about my service? it was a charge from my credit card whitch i never received in return so at this point i'am fileing a dispute fraud charge thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been paying my mortgage bi-weekly with payments coming right from my checking account. 

They continually keep putting payments to the principle and it causes my mortgage payment to show late on their website. So, I have had to deal with late fees which they said would be reversed but haven't. I have been going around and around with them since last year. 

Since XXXX, I have really been trying to get this resolved. I contact them through email because I have hearing issues and I like to have everything documented. 

I have a years worth of payment history from my bank and their website and all emails sent and received as proof. I have sent them everything but it's the same thing over and over. And, every payment made by my back clearly states what is to go to payment and what is extra to principal. 

This what their website is showing and why my mortgage is running 9 days late now! 

XX/XX/2020 Principal Only Payment {$700.00} XX/XX/2020 Mortgage Payment {$700.00} XX/XX/2020 Principal Only Payment {$180.00} XX/XX/2020 Mortgage Payment {$1200.00} XX/XX/2020 Mortgage Payment {$700.00} XX/XX/2020 Mortgage Payment {$700.00} XX/XX/2020 Principal Only Payment {$700.00} XX/XX/2020 Mortgage Payment {$700.00} XX/XX/2020 Principal Only Payment {$720.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: American Capital Enterprises, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Ive repeatedly disputed this collection from my credit stating that I had medi-cal insurance at the time and still do. They then began to perform a HIPAA violation give me continuous harassing phone calls and text messages. I have changed my phone number numerous times because of this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error..XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
these accounts dont belong to me. please remove accounts : 1. Identity Theft CAPITAL ONE Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account XXXX : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
My information was used without my consent

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 2018-03-27
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX, I called my loan provider Navient ( customer support line ). I noticed that my monthly loan payment went up and I had some questions regarding that. Upon calling, the representative set me up for the " Consolidated Student Loan Forgiveness Program ''. She said that I would pay around {$96.00} for 3 years and around {$38.00} for 7 years. After 10 years of payments she said that my loans would be forgiven. I stayed on the phone with this lady for almost 2 hours going over documents to send to her. I do have the documents saved on my computer. She said she also needed pictures of the front/back of my debit card. At this time, these people have taken {$700.00} from me. I have called my bank and put a stop to them taking more payments out. 

I noticed I still had the same payment due from Navient, so I called them again today. They said they had no records of speaking with me on XX/XX/XXXX and no records that I had changed anything with my account. They said that the phone call on XX/XX/XXXX could some how have gotten intercepted and that I spoke with a party that was not Navient. I do not believe Navient is at fault. 

On XX/XX/XXXX, I received a call from my new " Account Manager ''. She left me a message and said her name was XXXX. The number she gave me to reach her is XXXX. I have not contacted this woman. 

I'm hoping you all can help so this does not happen to other innocent people!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have requested Covid 19 help and got approval from Carrington mortgage. Just to find out that the company is doing nothing for us. They have posted bad credit for us also. This is wrong!!! Carrington does not follow financial legal practices. We have called in many times for help. Carrington always says they will help with given current pandemic and has damaged our credit. Congress is funding them and they are not helping people. We have sent in all requested information multiple times with no help!!! Carrington seems to misplace a lot of documents just to request them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I recently sent a dispute letter to XXXX, Equifax, and XXXX on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
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:
XXXX, SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I recently sent a dispute letter to TransUnion, XXXX, and XXXX  on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

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 2018-03-28
Company: The CBE Group, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
CBE group keeps harrasing a family member at the number given. This family member is not the debtor. The debt is for XXXX XXXX / XXXX XXXX TV, and is disputed. The collector at CBE violated the FDCPA and told the third party family member about the debt ( creditor, amount, and my ssn! ) Please investigate this company. CBE group, XXXX XXXX XXXX XXXX, IA XXXX Phone : ( XXXX ) XXXX website wwwcbegroup.com They call multiple times per day, one of their fake phone numbers is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: Experian Information Solutions Inc.
State: CO
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:
What is this complaint about?

When applying for a car loan the credit report from Experian/XXXX is drastically less from my consumer pull than what the dealer came up with. My scores have been hovering at the same number for about a year. I additionally have different averages for the age of my accounts. My paid off debts to not show for some reason either. Lastly, when I tried to get insurance it seems my public record was mixed up with wrong person, however I have no insight into this issue now.

What type of problem are you having?

Inability to get public information or the reasons behind my credit score being low. IE : Through my requests it shows as XXXX but through a pull from someone else the score shows as ranges XXXX  to XXXX. Not able to get insurance for new car. Not able to figure out what issues are happening for my records.

What happened?

I attempted to purchase a car out of necessity and had to co-sign with someone else because of the issues with my credit and possible identity.

What company is this complaint about?

XXXX, Experian, and XXXX.

Who are the people involved?

Myself, 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 2020-05-19
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:
I HAVE REVIEWED MY CREDIT REPORT FILE AND FOUND SOME INACCURATE ACCOUNTS AND A FEW ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE IN THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE. THE ACCOUNTS THAT I AM DISPUTING MUST ALL BE FRAUD RELATED. I TRY MY BEST TO KEEP THIS TYPE OF THING FROM HAPPENING TO ME BY BEING EXTRA CAREFUL WITH MY PERSONAL INFORMATION. THIS SITUATION IS CAUSED A GREAT DEED OF STRESS TO MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We are processing papers for a bank approved short sale when I was admitted in the hospital for XXXX XXXX hence I could not complete my papers before the deadline and the mortgage company has decided to go ahead with foreclosure. My husband is sick with XXXX, just had XXXX therapy. The mortgage company is PHH

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Diversified Consultants. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for USAA XXXX credit card on XX/XX/XXXX by telephone. I was responding to an email marketing/invitation from USAA for the credit card. The representative told that a further evaluation needed to done with my application and that I would have to wait a couple of days for their decision. Subsequently, USAA stated that they would need additional identification from me to establish confirmation that I was who was making the application. I emailed the requested four items of identification ( driver 's license ( front and back ), social security card, copy of my military XXXX and recent utility bill showing residency ) to USAA on XX/XX/XXXX and I received a receipt confirmation email from USAA the same day. 

I attempt several times to follow-up with USAA regarding the status of my application by telephone and even wrote an email to their " XXXX '' addressing the situation on XX/XX/XXXX. I got no response to the email sent. XX/XX/XXXX I received a postal letter, dated XX/XX/XXXX, from USAA stating that my application was declined because " Unable to verify applicant 's identity ''.

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