BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-11
Company: Aldridge Pite, LLP
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Since XX/XX/2008 my home has been a subject of illegal foreclosures attempts. On the first one the Bank/Servicer/Investor or whatever they were, stated that my mortgage note was destroyed or lost. Since then 2 other  Bank/Servicer/Investor tried to do the same but all cases have been dismissed in court. Now a Trust that its not even listed at the Securities and Exchange Commission just filed another attempt : XXXX XXXX XXXX XXXX, XXXX as Trustee of XXXX XXXX  XXXX XXXX XXXX. I have requested the Servicer XXXX XXXX  numerous times sending a Qualified Written Request to find the real owners of my Mortgage since I would like to negotiate with them. They ignored my requests. Please you are my last resource.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX XXXX  sold my mortgage to their sub-servicer, XXXX. My credit immediately dropped 15 points from XXXX and XXXX because it shows my mortgage as closed. I made a complaint with XXXX, all three credit bureaus, and consumer finance. I received a notice of remarks on my credit reports for XXXX  and XXXX, but XXXX  is the only one that went back to normal ( above XXXX XXXX. Now, Experian shows my credit dropping 30 points for the mortgage falsley being reported as closed!!! I'm now in a separate credit worthiness bracket!! This is unacceptable for a financial institution. Please correct this incompetence ASAP.

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 2019-05-29
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I moved to a new home on XX/XX/XXXX to be closer to services for my XXXX child and during my move, my postal mail did not reach my new address in a timely manner. Consequently, Discover Card charged me {$27.00} late fee and {$5.00} in interest charges in fees on a {$270.00} balance. In the confusion of relocating with a XXXX XXXX child, I regretted not finding the time to notify Discover of my new address, so I paid the fees without complaint, but in addition to receiving an effective APR of 71 % for a two month late payment, Discover reported a late payment to the credit reporting agencies. 

Although the Discover Card website states that they will give " goodwill adjustments '' to customers who make a one-time mistake ( https : //www.discover.com/credit-cards/resources/how-to-raise-your-credit-score-fast/ ). As I've had no other derogatory remarks from Discover during my 21 years of being a customer, I requested a goodwill adjustment on XX/XX/XXXX, but was told that Discover no longer gives goodwill adjustments despite Discover 's own website recommending that longterm customers request one ( please see link above ). 

Due to this derogatory mark, I'm unable to refinance loans to free up funds to assist my XXXX child.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I took the time out to reach out to the listed company and they prompt me to reach out to you guys regarding the inaccuracy report of the account listed on my credit report.

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 2020-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
I submitted a credit dispute to all 3 Credit Bureaus and the debt listesd on my reports was never proven or verified as mine. Electronic signatures do not hold up as legal documentation in the court of law. 
XX/XX/2019 certified mail via USPS I submitted : CA acknowledgement ; Notary 's Cert of Service ; Presentment under Notary Seal ; & an UCC 11 Lien Search showing no debt or liens in commerce nation wide. 
CAPITAL ONE:XXXX - Fraud accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicer Mr cooperXXXX isn't recognizing my account as paid in full. 

On/around XXXX I paid my full mortgage payment. As of XXXX I contacted Mr cooperXXXX as my online account showed a significant balance and I was receiving automated voice mails I was promised by XXXX at the Texas location via online chat there was an error on Mr cooperXXXX and the issue would be resolved within 3 business days.

The statement I am attaching clearly shows my balance was paid in full and I believe this company is trying to " pull a fast one on me '' and potentially others.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I filed online dispute XX/XX/XXXX. Contacted XXXX with certified mail included documentation that was signed for XX/XX/XXXX by someone at company. Requested validation of debt in letter XX/XX/XXXX. No contract with this company must remove debt from credit file ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021.

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: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I wired {$2000.00} to Coinbase onXX/XX/XXXX from XXXX, the money is gone from my bank account, but its not showing in my Coinbase account. I submitted a ticket from Coinbase website on XX/XX/XXXX, so far still havent got any actual update from Coinbase except XXXX reply said they already returned money.

Im wondering what exactly happened to the money I wired. Its unbelievable theres a company in US can do this to their customer! Just take money from people!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: JPMORGAN CHASE & CO.
State: AR
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:
CHASE S REPORTING 2 DUPLICATED MORTGAGE ACCOUNTS WITH TRANSPOSING NUMBERS, CHASE MUST FORCE XXXX  TO ALLOW YOU TO REMOVE THESE FROM MY CREDIT FILES CHASE HOME FINANCE LLC LOAN NO.XXXX AND CHASE MANHATTAN MORTGAGE XXXX. 

STOP PAYING THEM FOR VIOLATING F.CR.A. AND THE DODD FRANK ACT.  THIS IS MY 3RD REQUEST SINCE 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Why did I received the below e-mail from Bank of America From XXXX Bank of America XXXX Subject : You have a new bill from Bank of America Credit Card To : XXXX Reply To : Bank of America XXXX E-mail noted " You have a new E-bill from Bank of America Credit Card. 

I HAVE NOT SIGNED UP FOR ON LINE E-BILL OR ON LINE BILLING. 

AGAIN, WHY DID YOU SEND THIS E-MAIL TO 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 2021-02-02
Company: REGIONS FINANCIAL CORPORATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
Over the past couple of months my business ( fleet ) credit card for gas purchases has fallen victim to a number of fraudulent charges that have posted to our account. The fraud protection system that the card uses flagged these as potential fraud and emailed me to confirm or deny the charges. In every instance I have responded that the charges were not authorized, and the card company blocked the compromised cards and issued a new one. When I received my statement I noticed that we were still charged for the fraudulent charges despite reporting that they were not authorized. I called the credit card provider earlier in XX/XX/XXXX and was told that even though we already reported the charges as fraudulent that we still had to submit a transaction dispute after the fact. I submitted disputes for 4 charges on XX/XX/XXXX and 2 more on XX/XX/XXXX. For each of those disputes I received notices back a week later stating that we will not be credited back for those charges because we have more than 10 cards. Today I have submitted disputes for 3 more charges and I have 3 more to dispute, but the card provider 's website seems to be down. I expect that the responses will be the same as those I have already received. Since the beginning of XXXX we have flagged {$1300.00} in fraudulent charges that the card provider has not credit back to us. Dates and amount of those charges are as follows : XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$86.00} XX/XX/XXXX - {$86.00} XX/XX/XXXX - {$80.00} XX/XX/XXXX - {$74.00} XX/XX/XXXX - {$74.00} XX/XX/XXXX - {$74.00}

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 2017-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
X/X/2017 Attempted to login to CapitalOne website to pay my bill. They re-vamped their website and asked me to verify some additional information such as home phone, work phone, cell phone and e-mail address. I 'm ok with that. Scrolling down, they now wanted an update on my yearly income and my employment status. The following is a copy/paste directly from their login screen : We use income information for ongoing card account management purposes, which may include consideration for a future credit line increase. You may include : 1. Personal income, which is income you have earned, including full-time, part-time, or seasonal jobs, self-employment, interest or dividend, retirement, and public assistance. 2. Shared income, which is money from somebody else that is regularly deposited into your individual account or into a joint account that person shares with you. If you are 21 or over, you may also include somebody else 's income that is regularly used to pay your expenses. Total Annual Income* $ *Alimony, child support or separate maintenance income need not be revealed if you do not choose to have it considered as a basis for repayment. Employment Status I called Capital One and complained because I 'm an existing customer for over 30 years and all I wanted to do was pay my bill online. They told me this was FEDERAL LAW and I had to update this information in order to pay my bill online. I escalated to several " supervisors '', but it 's like talking to a wall reading from a script. I have no interest in a credit increase and absolutely no desire to allow them to manage my account. I manage my own account. If I had requested a credit increase or some other product, I could see that they would ask me for this type of information, however, I have not requested anything. I JUST WANT TO PAY MY BILL ONLINE WITHOUT GIVING THIS TYPE OF PERSONAL INFORMATION. THIS IS A VIOLATION OF MY PRIVACY. I have never been late with a payment and usually pay them over the minimum due. Their resolution to the problem was for me to enter inaccurate information, like {$0.00} for income and Unemployed or whatever other reason I choose. This would allow me to bypass the screen and continue on to pay my bill. This makes absolutely no sense. Would Federal Law allow you to lie about your income and employment status? This is some sort of phishing scam direct from Capital One. NONE of my other creditors have asked for this type of information when paying my bills online.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of idenity theft, I also sent letters to XXXX notifying this of this and also asking for clarity about this alledged debt. They have now gave this acoount to another agency Jefferson Capital System, which now they are reporting erroneous informaton on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The credit bureau has ignored my dispute for over 30 days and the inaccurate information is misleading and impacting my credit report.

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 2018-07-09
Company: Phelan Hallinan Diamond & Jones, PC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
If presenting there looting activity inside my property organize by those criminals is consider harassment only for make it public I wonder how will be consider ween we are going to meet those criminals and looter organizer in criminal court soon. Those criminals can understand that I have no mortgage no financial obligation and their looting was criminal illegal and fraudulent NOW lying and deceiving CFPB present even more facts that those criminal ( find guilty by the Superior Court ) the show total disrespect for CFPB We must drain this filthy face of corruption and looting organizer They foreclose criminal in top secret close door illegal and fraudulent and this is more criminal than any theorist activity and I strongly believe that this is the biggest dagger against Americans. After it they used criminal looters lying law garbage firm XXXX XXXX XXXX the worst criminal looter in the country, use those criminals to lie in courts, defraud people and if they can not intimidate some clients they organized death treats to their clients as is my case. If this is the landing and mortgage servicing organize by XXXX, and this XXXX XXXX running XXXX XXXX that we must close this criminal business permanently. I am sure those criminals refers to this as duplicate referring to their criminal activities not to what I presented. As mention to all Governors in each state in USA in in particular the State of PA, NJ and Organ I will keep informing everybody about the criminal activity inside my property for which I do not have any financial obligation, mortgage, loans or credit cards as I do not need. American people are losing their property due to criminal activity properly presented below. Also CFPB must take in consideration that in PA the ownership law was flagrant violated by Law Firms that are experts in lying even to their clients and triple charge them ( find guilty in Superior and Supreme Court ).  XXXX XXXX XXXX, Law Firm Phelan Hallinan with theirs pettifogger lawyers, XXXX, XXXX and XXXX XXXX and the looting company XXXX XXXX. They can lie, cover up abuse but I will never ever stop period until I get back my property and all stolen furniture, electronica, home decoration looted by XXXX XXXX with direct help form XXXX using looting expert law firms XXXX and Phelan, Hallinan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: AES/PHEAA
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I took out a student loan in 2004 about {$26000.00}. I have been making payments over 20 years and they say I still owe XXXX. I disagree as I have been making monthly payments of {$190.00}. Every time I call and try to find out what is going on I get the run around. I need my password which I do n't remember. To set up a new they have security questions which I do n't remember the answers to. I have all the info to identify myself but they say no they will not speak with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: WELLS FARGO & COMPANY
State: CA
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:
Frauding scams using XXXX Indiana and XXXX Indiana title work attached to towns social numbers and birth certificate and XXXX   record and schools records, 50 states frauding cases Also frauding scams using XXXX fraud ids and business permits Frauding scams using XXXX business permits and ids There was others counties of Indiana which wrecked on that location of data

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 2021-02-02
Company: LoanCare, LLC
State: MA
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: Problem with personal statement of dispute

Complaint:
I have disputed late payments with my mortgage company. 

They sent me a letter which does not constitute validation of the payment history. 

I was on a repayment plan which provided a different amount then my and different due dates. 

The credit report verifies payments received in XXXX reported by Loancare. 

In XXXX I submitted a application for forbearance and never received a response from the company other than the confirmation email. 

I have provided copies of my credit reports showing the discrepancies between the bureaus which is been verified/certified as accurate by information provider LoanCare.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Experian Information Solutions Inc.
State: SC
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:
Car was repossessed and sold at auction. The original debt is 6yrs 4 months old and they reached it to 4 yrs .Balance on one credit report shows paid the other is reporting original debt. I have submitted several verification of debt and request for inaccuracies to be corrected or deleted to both creditor and all credit bureaus. Its deleted off one and remains inaccurate on others. Neither the creditor or credit bureaus have taken my phone calls or letters seriously and has caused severe damage to my credit. When I have tried to point out inaccuracies and request my right for accurate data or deletion as my consumer rights provide 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 explanation
Consumer complaint received 2020-05-13
Company: Bridgecrest Acceptance Corporation
State: WA
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:
Dear CFPB, I have submitted dispute for one of the inaccurate accounts on my credit reports. I did request all the information about account and XXXX hasnt provided them to me. I want them to provide all information as a proof that account is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: WELLS FARGO & COMPANY
State: MO
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 contacted Wells Fargo Deal Services to make them aware that my identity was used fraudulently for this one account on my credit file. The other two account are legitimate credit cards accounts. I gave them my contact information, when I acquired the two credit cards accounts. So my contact information was already on file at Wells Fargo Dealer Services. However, the account that's displayed for the car doesn't belong to me. I have disputed this account several times, but to no avail. This is not my account. Wells Fargo Dealer Services refuse to remove it from my credit file. I have sent them all the supporting documentation to support my claim, but still refuse to remove it. I'm taking this to the media after this last attempt.

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