BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-10
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Wells Fargo took {$290.00} deposit and are saying they didnt get it when XXXX XXXX has sent me and then all the information showing they got it, I was using the money Friday and Saturday when I got up the account was overdrawn. They still havent given me the money, now my account is overdrawn. They also closed my savings account when I had claims open, they owe me over {$1000.00}. They wont give me my money!

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 2019-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
On XX/XX/XXXX my credit card was handed to the cashier at the XXXX XXXX  XXXX   XXXX restaurant drive in. The card was used without my permission for two additional transactions to XXXX*XXXX XXXX XXXX XXXX XXXX. The valid transaction was for {$9.00}. The charge for {$400.00} to XXXX XXXX XXXX XXXX XXXX was not authorized. The charge for {$390.00} to XXXX XXXX XXXX  XXXX XXXX was not authorized. 
I received a text on my phone from Capital One asking me if the two large transactions were valid. I told them NO, that I did not authorize the transaction for {$400.00} or the one for {$390.00}. Capital One credited my card for both transactions on XX/XX/XXXX. Then on XX/XX/XXXX, Capital One rebilled my account for these amounts. They said because the chip was read, the charge was valid. The 'fraud investigator ' said there is nothing they can do, I should go to the police.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have an automobile loan and they took an extra unauthorized payment on XXXX XXXX XXXX when I made a monthly payment on XXXX XXXX. They insist they did not take an extra unauthorized payment. When I paid the monthly loan amount on XXXX XXXX XXXX I was told and my account reflected " payment current ''. 

By taking the extra amount of {$450.00} I can not pay my other bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
- Around XX/XX/XXXX, Chase sent me a targeted offer ( attached below ) in the physical mail for opening a Chase XXXX XXXX XXXX card. The offer was to earn XXXX XXXX XXXX if I spent {$3000.00} in the first three months. The inside of the offer had instructions for applying, which was to merely use the link provided and enter your XXXX XXXX account information. 
- On XX/XX/XXXX, I followed the instructions to apply for the card using this offer. Upon being immediately approved for the card, I saw verbiage about XXXX points instead so I immediately called the Chase number to speak with a representative. The representative I spoke with assured me that it was a mistake and I will receive the correct XXXX miles upon meeting the {$3000.00} spend. He even mentioned that he saw an internal email mentioning that people might be calling about this issue and to assure them that they will receive the correct mileage. 
- Around XX/XX/XXXX, I knew I had met the {$3000.00} spend threshold, so I logged onto my mileage, and saw that I was only awarded XXXX bonus miles, which was XXXX less than promised. I called the number on the back of the card, and spoke with a different chase representative. I explained the situation and they told me they will put the request for the credit in, and I will have to wait up to 10 business days for a response in the mail. 
- On XX/XX/XXXX, I received a letter in the mail stating that I am not eligible for any different offer, and that no further miles will be awarded.

On XX/XX/XXXX, I called Chase back, spoke to a different representative, and explained the entire situation up to this point, including the fact that I still have the physical offer that was sent to me. She told me she will put in a request to have this " expedited '', and that I have to wait two billing cycles to see if Chase/XXXX has decided to award me those miles. 

At this point I 'm very concerned, because it seems like Chase is dragging this out to a point where I will be less likely to fight about it, and their promise for correspondence in two billing cycles is n't even a resolution to this issue, its a decision on whether they feel like they should.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-10
Company: Nelnet, 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: Old information reappears or never goes away

Complaint:
The company by the name of DEPT OF EDUCATION/NELNET is reporting on my credit report. These loans where sold to a company by the name of XXXX. NELNET is also reporting late fees on my report which has been consolidated. All of the NELNET accounts have been on my report before XXXX and open since XXXX there XXXX accounts they are reporting to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Resurgent Capital Services L.P.
State: MA
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:
So the Debt Collector Resurgent Capital Services located at XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, SC, XXXX has yet to Verify the debt that is on my credit report under a business name of theirs that they are doing business under XXXX, XXXX. This dispute was opened on XXXX by the better business bureau and still XXXX, XXXX. Or Resurgent has not provided any verification of debt or judgement to be mailed to the consumer ( XXXX XXXX XXXX ). 
1. This debt was added to a credit report without being verified. Incompliance with FDCPA 1692e 1692f and if it has provide official written proof in detail. 
2. This debt has still yet to be verified with consumer as of XXXX/XXXX/XXXX XXXX. Upon dispute from the BBB the Collection agency failed to provide verification of debt, verify debt and or provide the consumer with judgement against XXXX. Have failed to mail any documentation to the consumer regarding the debt 5. I demand that this be removed from my credit report for the above violations. If this is not removed I demand the Collection agency provide the authorization of the initial debt along with the full payment history and actual amount of debt before any and all fees this would comply with the Fair Debt Collection Practices Act 1692e and 1692f There also needs to be a new response not the initial response again sent from XXXX XXXX, XXXX. 

I am giving Resurgent a chance to do the right thing before I file this with the FTC and Commonwealth of Massachusetts small claims court to seek damages from this unverified debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I opened the account on XXXX XXXX, XXXX for the amount of {$300.00} or so. I was being charged excessive amounts of interest and was unable to make the payments. The company then proceeded to put my account into collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Navient Solutions, LLC.
State: NV
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 've been disputing these charges XXXX2008. I contacted the original lender XXXX who was supposed to be working with XXXX XXXX with regards to the refund amount that was supposed to be sent back to the original lender. That was never completed by XXXX XXXX and the amount owed is inaccurate for only attending for a period of 8 months of a 2 year program. XXXX never sent a the original lender the refund required and the lender charged off the account due to XXXX never responding to the lender at the time so the lender sent the entire balance for collection. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I TRied making a deposit to an Bank of America Bank atm to make a deposit before I got hit by many over draft fees bank errors

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 2022-01-12
Company: EQUIFAX, 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: Rent Recovery Solutions
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I co-signed for my daughter an apartment @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY and that lease was finished out. My daughter later on signed a lease with the same Apartment Management company @ XXXX XXXX XXXX # XXXX XXXX, KY. She had an unpaid balance from that unit. This company has reported me to the collection agency/credit bureau as my debt. I showed documentation that I am not on this lease at all. They said that because I co-signed on a previous lease it is their policy that I can be held liable for another lease?. This is fraud and illegal. I demand they be held responsible for this fraud as this has dropped my credit score 40 points while I was in the process of purchasing a home. 

I filed a dispute against Rent Recovery the first part of XX/XX/2019 and they said it was accurate, the place was reporting it accurate. 
I called XXXX XXXX XXXX today and they said they could consider me a co-signer on another lease that I did not agree to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX, the original company, was paid in full when I left them for XXXX. They have send three other collection agencies about this and they've all backed off upon review of the evidence but they continue giving the account to additional agencies in order to destroy my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
American Express called my mom about my account being delinquent. She told than I do not live there and tried to give them my phone number. They would not take it. They then tried to bully her into making a payment. She told them no and since they would not take my phone number she said she would call me and relay the message. Then she got a letter in the mail saying they took money out of her checking account. Her checking account information has never been associated with my credit card. This is totally my credit card I got an additional card with her name it for her to use as a supplemental card in case I needed her to. She has never used her card. They used her information that I gave them and looked to see if she had a card of her own which she does. She has had her own card for over 20 years. They then got her checking account information and took the money without her consent. They stole her money. They said they put the money back in my checking account and when I asked them why they would do that then they came back and said they aint a check out to my mom already and that she should get it by the XXXX of this month. She kept saying do t worry. Well it is too late for that. My mom has had to borrow mo eu so she could pay her bills. They said they wanted {$160.00} paid on the XXXX of XXXX I paid {$170.00} and they still took that much out of her account and then they stole another {$1400.00}. That is not not right!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Opened a few fraud cases when I did not use my atm card lost my pin and reported to Bank of American they did not want to pay my claims!!

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 2019-07-24
Company: Utah System of Higher Education
State: UT
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 a student loan with UHEAA. I have been scheduling automatic payments for years with no problems. I recently adjusted the automatic payment to pay more each month to pay down the principal faster. After adjusting the automatic payment the problems started. My online account shows the automatic payment setup correctly but it is not going through. The first time this happened I wasn't notified until they were about to send me to collections. I used the SAME information used for my automatic payment to schedule a one time payment that got me caught up ( including the late fees they applied on my account ) and that went through. I contacted UHEAA about this and they stated my account has an automatic payment setup so it was my bank 's fault that the payments didn't go through, even though there has always been sufficient funds in my bank account for this payment. I went to my bank and asked them and the ACH department reviewed my account and stated there were no request for a payment from UHEAA except my one time payment. I called UHEAA about this and they stated it should be fine at this point. I asked them to contact me if it doesn't go through again. The representative stated they would notate that in my file and I should be contacted for any problems. The next month, the automatic payment did not go through AGAIN. UHEAA also did not contact me. I checked it the day of and day after to see if the payment would go through but it has not and UHEAA did not contact me about a failed automatic payment. I'm trying to pay the company, and pay my loan faster than required, but UHEAA is not taking my money as schedule on their system, yet still fining me late fees when the automatic payment in their system does not work correctly due to their fault. In my opinion this is now predatory lending tactics to get fines from their consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: Altisource Portfolio Solutions, S.à r.l.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
NATIONWIDE CREDIT ALREADY SAW THE ATTACHED CALLS IN PREVIOUS COMPLIANTS AND REFUDES TO CLEAR THIS MATTER UP AND REMOVE HARD INQUIRIES FROM XXXX, WHERE THEY PULL MY CREDIT TWICE IN ERROR.

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 2017-11-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Long story short I had previously placed a complaint on this company for contacting me repeatedly ... they replied and disagreed with my statement. In that time duration XX/XX/XXXX they closed all my accounts with them and credit karma reported this to me via email ... I originally thought because they found my dispute to have validity ... no, they was removed and closed and 24hrs later they were all replaced BACK ON my credit file. 
I happend to take a screenshot of ALL the removed accounts that day that were close ... I was not notified of these accounts being placed back on my credit file. I have proof I can send of this occurrence Portfolio recovery

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: EQUIFAX, 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: Other problem getting your report or credit score

Complaint:
on XXXX XXXX XXXX I applied for XXXX XXXX credit card and I had hard inquiry on Equifax which fine and normal then I found another hard inquiry for same company on XXXX XXXX XXXX I did apply for the credit onetime and I got approved on XXXX XXXX XXXX for credit line XXXX . I never apply again to get another hard inquiry for same credit card in few week after XXXX XXXX XXXX. its from XXXX XXXX for XXXX  credit card cos. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
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: Information belongs to someone else

Complaint:
My credit is being denied wherever I go. 
I have written to the agencies, police, credit card companies, social security office as there had been a XXXX and all my personal information was stolen. 
However till date it seems nothing is being resolved. 
I travel extensively and seldom use credit, so I understand that my score would not be good, but companies are telling me that there are delinquencies and unpaid debt on it, but they are not telling me what it is. 
I need help and for someone to urgently look into this for me. 
Thank you

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 2018-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Credit reporting agencies keep putting delinquent information saying that I either have a collection for child support or have late payments. I am constantly trying to get them to delete the errors with no luck. I just have a review of my credit and didn't know that this item was put on my report and credit was not extended to me because of it. I have an order deleting all child support and abating me of any types of responsibility of child support that was signed in XXXX, how can I have late or delinquent charges? I have an order directly from the state of Texas dated XX/XX/XXXX stating that I owe no money in child support, nor do I have any arrearages of any sort. In fact, the state of Texas is working to get me back 4 years of child support that was overpaid.

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 2019-07-24
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan # is XXXX. 
On XX/XX/XXXX, I submitted my loss mitigation package to PHH Servicing to request assistance in accepting a 6 - 12 months repayment plan with the constituency of PHH accepting 4 out of the 6 payments I ave. 
On XX/XX/XXXX I spoke with the loss mitigation representative and they confirmed receipt of the loss mitigation package and the loan will not be forward to a foreclosure attorney. The loan is on hold for the next 30 days to be reviewed. 
On XX/XX/XXXX, I called PHH home retention department and the representative stated the file is still in review for a loan modification. I stated I was not asking for a loan modification because I received approval with Ocwen Loan Servicing in XX/XX/XXXX. Therefore, I am aware that another loan modification would be approved and instead I requested specifically on my hardship letter a repayment plan. I requested the assigned case management XXXX XXXX to contact me and I have not received any returned calls or written correspondence from PHH. The representative suggested that I should receive a call from PHH by XXXX XXXX. 
On XX/XX/XXXX, I called PHH Home Retention Dept. and spoke with XXXX ID # XXXX and he stated there is no file in loss mitigation for review and there was no written correspondence sent to me stating if my request for a repayment plan was approved or denied. He also stated the loan was referred to an attorney on XX/XX/XXXX. Again I have not received any written correspondence nor any calls from the assigned case manager to discuss my hardship and request for assistance. It's my understanding that as a consumer, the servicing of my loan has been handled poorly and inappropriately and I believe under CFPB ruling, any loan in default while in loss mitigation review, the loan can not be submitted to an attorney to begin foreclosure proceedings until a decision is made from the Home Retention Department. PHH is not in compliance with the servicing of my loan and I am requesting an urgent escalation of my case. I requested to speak with the manager of the Home Retention Dept is Ms. XXXX XXXX and of course, she was in a meeting. I requested for XXXX, ID XXXX, to leave a message for Ms. XXXX requesting an immediately returned call. PHH policy is that I have to wait 24 to 48 hours for a return call. My situation is of an urgent matter, my home and I have to wait 24 to 48 hours.

Company response to consumer: Closed with explanation