BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-29
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Refi with Wells Fargo which closed on XXXX XX/XX/2020. Throughout the whole process, Well Fargo was totally disorganized, unprofessional, and incompetent. The mortgage officer put the wrong social security number and property address initially on the application, the mortgage processor kept asking for the same documents multiple times ( losing or misplacing them ) and asking for documents that were irrelevant and did not exist, people did not return phone calls and emails answering questions, the XXXX people dithered around for days trying to contact the wrong people, and so we missed the initial closing. We are longtime, major Well Fargo customers, and we were treated shabbily if not worse. No one should use Wells Fargo for a mortgage.

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 2019-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been banking with Capital One Bank for many years.  I have been using their online banking to access my account information and pay bills for many years.  A couple of weeks ago I went online to pay a bill and suddenly ALL my banking information was gone.  I have a credit card with the bank as well and the only thing visible when I logon is the Credit Card.  I no longer have access to my checking account online.  Yes, in the past BOTH the CREDIT CARD and CHECKING account was visible when I logged into Capital One.  I have called the bank MANY times and have gotten the run around; however, nobody has been able to correct it.  I am XXXX years old and recovering from XXXX  and have been told many times that they don't know how to correct it and will "escalate the issue to another department".  Yesterday, I had someone take me to the bank (spoke to XXXX XXXX) and he also told me that he doesn't know how to correct it and will "escalate the issue to another department".  My only solution for now was to open a new account, at another bank, so I can pay bills online and view my transactions.  I would like Capital One to give me back my access to online banking.  And as an aside... XXXX XXXX is the most unprofessional person I have dealt with in quite a long time and this was not my first unpleasant experience with him.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
The date opened on this account is incorrect across the three credit bureaus. One states Date Opened : XX/XX/2019 and another states XX/XX/2019. According to FCRA 100 % accuracy is required. Lastly I have never been late on this account validate this erroneous statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Problem getting your free annual credit report

Complaint:
All 3 of the Credit Reporting Agencies have made it extremely difficult to obtain my information, despite the fact that I am a victim of identify theft. They are clearly in violation of the FCRA and FACT act as described in the United States Code!

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 2018-03-01
Company: Nelnet, Inc.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have made several attempts to solve repaying my student loan with XXXX. Sent in a form to apply for a deferment and hardship since I feel behind to constant medical bills. They denied it and came up with a repayment of {$190.00} per month and this is definitely too high. If I am having a financial hardship, then I definitely can not pay that amount. 
When ever I email to get a better term payment, I get harassing emails on paying. It appears that this company lack compassion or just bothersome and want to harass a person. 
What can be done to have them come to realization that I can not pay {$190.00} a month with the hardship I am having?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: FIRST PORTFOLIO SERVICING INC
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My information was used fraudulently to apply for several different things that I did not authorize. These companies include XXXX XXXX XXXX XXXXXXXXVervent and XXXXVervent. On XXXX I called XXXX and they advised that there were no applications in my name or SSN, however there are hard inquiries on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: CITIBANK, N.A.
State: OH
Product: Credit 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:
between XX/XX/XXXX and XX/XX/XXXX on XXXX separate charges a total of {$17000.00} was STOLEN right off my card- by making balance transfers. 

I have demanded an explanation of how this could happen as this card was ONLY in my name. I have received no response. 

I have repeatedly demanded XXXX the IP addresses of all of the withdrawals XXXX. Where my money was transferred to- account details XXXX. Exact Dates and amounts of when the money was moved I am getting NO answers. Citigroup has NO sense of urgency. 
Please help asap. 
Thank you so much XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-11
Company: EQUIFAX, INC.
State: AZ
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:
In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX 15 u.s.c 1681 section 602 a states I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 ; It also states a consumer reporting agency can not furnish an account without written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
i phoned the lender and tried to get them to postpone the foreclosure sale since i have just received an offer on the property and the buyer is very serious about purchasing the property. I have fallen on hard times and i was unable to pay my mortgage and when i went to my lender to see if they could assist me with the other alternatives, they were not really invested in assisting me. I feel as if they have been unreasonable and unavailable while i am going through this tough time. I need help and i am hoping that you are available to assist me. the lender continues to ask me about a retention option.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Genesis FS Card Services, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an email on XX/XX/XXXX stating that my account for Destiny XXXX has been registered. I never received a credit card nor opened an account with them. I called the company within XXXX minutes of receiving that email on XX/XX/XXXX, I spoke to a fraud department representative who I asked to close the account. She had asked me to follow up with the Federal Trade Comission. There is a XXXX dollar annual fee due. I did not open this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: AES/PHEAA
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have tried to get information as to why they has listed my accounts the way they have so it seem I have all of this debt cause my accounts are listed one by one and I was in the income driven program and was told that even though my payback amount was XXXX it sill cointed towards the PSLF program and when you look at the statements it says XXXX went towards that program this comapny has not informed me on anything I have been doing research on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: EQUIFAX, INC.
State: PA
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 am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : 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. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have a previous address that is on my credit report that I never used and never lived at I am attaching a letter to explain the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Checking a credit report that's supposed to be associated with me and my personal business. I come across some hard inquries that TRANSUNION refuse to remove with my oral and written consent per 15 USC 1681 d ( 1 ) & ( 2 ) and request serveral times. I gave the bureau applical evidence and findings. 

PERMISSIBLE PURPOSE MEANS : EMPLOYMENT INSURANCE COURT ORDER FIRM OFFER OF CREDIT *** THIS IS STRAIGHT FROM TRANSUNION WEBSITE*** & FCRA Permissible Purpose Compliance Notifications Permissible purpose is defined in Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ] In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

In accordance with the written instructions of the consumer to whom it relates.

To a person which it has reason to believe intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or intends to use the information for employment purposes ; or intends to use the information in connection with the underwriting of insurance involving the consumer ; or intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or otherwise has a legitimate business need for the information in connection with a business transaction that is initiated by the consumer ; or to review an account to determine whether the consumer continues to meet the terms of the account.

I understand 15 USC 1681 ensures me These inquries have no permissible purpose to be in a credit profile that I dO NOT HAVE ANY ACCOUNTS WITH. 

1. XXXX  XXXX XXXX XX/XX/2022 2. XXXX XXXX XX/XX/2022 3. XXXX XXXX XXXX XX/XX/2022 *** XXXX FOUND NO RECORDS OF THESE ACOUNTS AND DELETED THE INQURIES. 

4. XXXX ACCOUNT # XXXX. UPDATED TO ''PAID AS AGREED '' LIKE XXXX XXXX XXXX XXXX SHOW YOUR PROOF OF ME NOT PAYING THIS ACCOUNT OFF.

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 2019-11-22
Company: EQUIFAX, INC.
State: VA
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:
Equifax said they verified the bankruptcy through the court system and XXXX attached are letters from the courts stating that they don't verify this information and from XXXX stating that my file is frozen, the credit bureau is saying that they are verifying this information which is incorrect, please remove from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
Bank of America reported late payment on my account however their customer service teams investigated issue and acknowledged that it was an error on their end. Bank of America promised to fix the issue last month ( XX/XX/2021 ) and yet in XX/XX/2021, they reported to credit agencies incorrectly.

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 2020-10-29
Company: The CBE Group, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX at XXXX ( AZ Time ) I received a call from " XXXX '' at The CBE Group , Inc. She told me that I owed them {$1800.00} and it has been placed in collections. XXXX informed me that this debt was delinquent XX/XX/XXXX and that they received the account in XXXX XXXX said this was a debt that was owed to XXXX for medical expenses. I explained that I have had XXXX a number of years and never once was contacted about this debt. I asked when the debt incurred and she was unable to give me information. I asked them to provide proof of debt and they said they did not have any in their possession. I informed XXXX that I have a XXXX XXXX XXXX and this debt did not show up on my records, ever and it would have shown if it was valid. XXXX said that my wages would be garnished if I did not make arrangements for this debt to be paid. They are not the holders of the debt and are a 3rd party attempting to collect on behalf of someone else ( they did not know who the debt originated from ). No correspondence was ever sent to me in regards to owing money to anyone and all my XXXX accounts show that there is a {$0.00} balance. XXXX then stated that when it comes time for my re-investigation for my XXXX that it would cause issues and I might not clear the background. This is harassing behavior and I have asked they not contact me further. They are not attempting to collect an actual debt and hold no proof of money owed and denied being able to provide me with more information than the amount owed and the address they have on file for me. They have no bearing on collection of this supposive debt and are attempting to collect money that is not owed. I then spoke with Supervisor XXXX, and he said that since I am a XXXX XXXX it would cause issues for me, but once again could not provide me with any information about the money owed, when it occurred, the company its associated with, or more than the amount owed. The CBE Group, Inc.has had numerous lawsuits filed against them for this type of behavior and you would think they would learn it's unacceptable to instill fear into someone based on their employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I DO NOT have any idea regarding this fraudulent account on my credit report. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery keeps calling my Number! Ive asked them in the past and recently, repeatedly to stop calling and they will not respect it!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have a discover it credit card, On XX/XX/2019 they closed my account because of not enough personal information. But I faxed them three times my ssn and my driver license. They called me the last minute  saying that they cant see my driver license because of too blurry. I am going to fix it in few days, but they closed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Navient Solutions, LLC.
State: AZ
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:
I was on a XXXX  repayment plan through Navient. In the past few years I have been able to finally make solid monthly payments. However, I kept seeing late fees on all my payments. I called and they told me that my XXXX repayment option was over and I now have to pay {$430.00} a month. I can not afford that! Where did that arbitrary number come from? The Navient agent could not help me and I could not understand her anyway. I completed my FSA Id process and took a look at my account and it states that I owe {$130000.00}! I almost threw up. I owe {$69000.00}! What is going on? This is so misleading and now I understand that the CFPB is being gutted by our government in favor of loan servicers like Navient. Nothing about this seems right and I feel like I am being scammed. I would rather default on the loans so I can retain a lawyer and protect myself. Is this what its come to now? I need help desperately. I never had these issues when XXXX XXXX was servicing my loan. Can someone please contact me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$9300.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$3800.00} ; P. O. XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-01-28
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ON XX/XX/13 I PAID MY TOTAL CHILD SUPPORT OFF THE AMOUNT WAS XXXX I NEVER RECEIVED A CLOSE OUT LETTER BUT I RECEIVED A STATEMENT THAT SAID THAT THE BALANCES WAS CLOSED OUT. ITS SHOWS UP ON EQUIFAX AS NO ACTIVITY BUT A XXXX BALANCE

Company response to consumer: Closed with explanation