BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In regards to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX. I filed for a late payment verification over the phone and thru certified mail. Both times came back as verified accurate. When I made on time payments and never missed but XXXX XXXX XXXX continues to report inaccurately, I 've asked them to show me proof and validate there late payment claim, when I paid on time and there 's no records. When I have asked to see - they have never shown me. I 'm so upset that I know no other remedy but to file a complaint about this situation, apparently they had a system glitch around that time or human error was made on there part and they will not remove the late payment

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 2019-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Im very upset because I received my annual credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. I've already contacted the FTC and the police. I'm doing this on my own and there are still items on my credit report that are not mine. Bankruptcy Chapter XXXX-discharged.

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 2017-11-19
Company: Navient Solutions, LLC.
State: WA
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 am a government employee and started paying a loan amount of {$46000.00} at XXXX XXXX monthly payments rate in XXXX. At this time my family of four had an AGI of less than {$60000.00}. 

At that time I learned about this government employee loan forgiveness program that will happen after 10 years of payment, in my thinking the ( XXXX  XXXX m x XXXX y = XXXX or XXXX XXXX ) will be paid and the XXXX XXXX May be forgiven. 

During the toughest times of my family life I paid those monthly payments with some delays and couple calls to my loan servicer during tough times. 

My frustration and feeling of being treated by predatory lender comes because ; after more than five years of paying the {$260.00} a month, my loan balance is still the original {$46000.00}. 

I have learned the the hows and whys from Navient, but I still think I was left alone to fail than assisted by my loan servicer. I suppose they were the middle men to help people like me. On top of this, the hard to reach customer service people cant see the trustee aspect of my question. 

Now my wife works and I am in better shape too, restructuring the loan will take me to paying about {$370.00} a month to repay the entire loan within 10 years. 

How will the XXXX I paid so far be used to benefit me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This are the new complaint on the lies by XXXX XXXX on complaints ending on XXXX/XXXX/XXXX. On the letter you stated that the bank took a loss of {$1800.00} that was a lie because very simple that amount was taken out of my checking account balance. 
2- The claim XXXX was never closed by the bank and it is still open. 
3- A debit card is not an account and according to customer support debit cards were cancelled on XX/XX/XXXX and they never replaced it or I received it or activated.if it states that the account was closed they are refering to the checking or savings account related to the debit card. 
4- The withdrawls that took place on XX/XX/XXXX over the counter for {$600.00} and the over the counter {$2100.00} and the {$1.00} on XX/XX/XXXX why a {$1.00} on same date and teller counter that is definatley a lie account ending on XXXX. You stated that the bank confirmed it was done with a drivers license that was used as I.D . and that it was on all three transaction a debit card ending on XXXX was used as I.D . never had this debit card period. NO CONFIRMATION OF ANY TYPE ALL IT SHOWS IS ( GA TLR WITHDRAWLS ON INDICATION OF ANYTHING AT ALL AND THAT IS WHY IT IS AS PART OF THE FRAUD THAT HAD TAKEN PLACE. 
5- I have reviewed all statements on accts and there were no indications or confirmations of any type on all withdraws that took place onXX/XX/XXXX and XX/XX/XXXX including a debit card ending on XXXX and it is my proof of the fraud that had taken place there was never any teller counter withdraws by me period in all statements of my accounts. IN ADDITION YOU CAN SEE ALL THE TYPES OF TRANSFERED FROM MY CHECKING ACCOUNT XXXX TO THE XXXX in the past and what has taken place is that you the bank confirmed that there was fraud and actually verified it with letter dated XX/XX/XXXX. therefore this is very simple confimation that all I needed to do was just go on internet or call customer support and just transfer all amounts available on the account XXXX to my XXXX where I had my directs deposits and had it for quite a while. So all transactions that took place on XX/XX/XXXX and XX/XX/XXXX were all done by the bank personnel or whom ever did all previous fraud transactions.

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 2021-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/XXXX - phone was stolen at XXXX XXXX and {$390.00} was transferred out of account through XXXX by unknown party. Phone was ditched and later found. 

XX/XX/XXXX - fraud complaint filed with bank after researching what my actions should be XXXX - bank has claimed unusual activity and has frozen all my remaining money and after contacting them, closed my account. later has denied the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
At US Bank I have my credit card connected to my checking account as OD protection and at times it will use my credit card to cover transactions on my checking account. IT IS ALLOWED!!! At this most unfair financial institutions they red flagged my credit card account and when spoke to the person assigned he made illegal//unlawful statement/reasoning of why the account was closed and hung up the line. 
I herein demand that US Bank makes that conversation available to CFPB1

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 2018-03-16
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
result of fraud i have no knowledge of this account

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 2018-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
2 unauthorized transactions were made from my Bank of America online account through a feature called XXXX that were not of my doing or anyone that I know. 

2 Transactions : XX/XX/2018 Transfer of {$1000.00} XX/XX/2018 Transfer of {$1500.00} These transactions were not authorized and money was being sent ( deducted from my checking account ) to a person/entity that I have no information on. The number it was sent to is a anonymous free phone number made up. 

Claim # : XXXX was closed on XX/XX/2018 and was not resolved in my favor. I lost {$2500.00} due to fraud and Bank of America gave me no other detail in the resolution letter other than the fact that these transactions were " authorized '' to which they were not. They said if I shared user id/password info with anyone to get into my account that these were valid. I did not share any log in details with any one.

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 2019-05-09
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was sold to Mr. Cooper/Nationstar in XX/XX/2019. Upon receiving our account, Mr. Cooper performed and escrow analysis and determined that we had a surplus. They sent us a check for {$1400.00} and emptied our escrow account, bringing the balance to {$0.00}. I realized that this was not correct and called Mr. Cooper and was instructed to send the check back, which I did. In the meantime, they performed another escrow analysis and determined we had an escrow shortage. Upon review, we realized that they had incorrectly projected our taxes to be {$11000.00}, despite our county tax appraisal to be under {$6000.00}. They also had a " miscellaneous tax '' for XXXX county for {$3700.00} - our property is not in XXXX county and we do not pay taxes to XXXX. I called immediately and reported that they incorrectly assessed our account. I was told that they would need to remove the incorrect tax, which would take 7 days, then send our account back for re-analysis. I called yesterday, XX/XX/19, which was more than 7 days later, and they still had not removed the incorrect XXXX property tax. I told them that we needed to get this resolved as soon as possible, seeing as our payment due XXXX is nearly triple our current payment. I was told that they were unsure whether they would be able to resolve our account prior to the payment due date, and we would need to pay the full payment ( {$3000.00} ), otherwise the account would be sent to collections. I have submitted all of the necessary documentation to Mr. Cooper, but have yet been able to get our escrow account corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: DISCOVER BANK
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Im not sure that anything illegal has happened but more unethical. This loan was originally secured through XXXX XXXX in XX/XX/XXXX at which time XXXX year old me had been accepted to a school in AZ. XXXX XXXX told me that my interest rate would be 'prime plus 1 percent ' which would have been around 7 % at the time. Once I had traveled to AZ and signed a lease for an apartment, the finance department had me sign for the loan which suddenly was 14 %. Locked into a lease and 3000 miles from home, I signed the loan agreement. 

Later in XX/XX/XXXX I joined the military and this loan was put into deferment. The loan, and myself moved around a lot. As the loan was sold and repurchased and as I moved from station to station ( up to four times in a year ) I lost track of the loan which had been ballooning up to XXXX from XXXX. 

Trying to acquire information on the loan through the lenders is nearly impossible. Even when the loan stays with a bank they rename and format the loan information and when asked for payment history, I receive a hand typed XXXX file with 'loan fees ' and other various information on it that the bank is unable to explain to me. 

I have been paying off the loan have it down to XXXX now but recently left the military to pursue college once again with my government benefits. When I started school the bank automatically differed the loan that I had been paying on without any contact to me. I only realized when checking my bank and noticing that the loan payment had n't been deducted. Then upon reestablishing my automatic payments, the payment I made was put towards the next month, allowing another XXXX dollars of interest to accrue. 

After all of this I was going to get a 0 % credit card with XXXX balance transfers and put the card there until tax season when I would pay it off ( I have the money now but it would be a huge stress before XXXX ) but Discover now tells me that they do not accept credit card transfers. This is absurd. I may have been able to do this with the other banks that held the loan but during the bank process of reacquiring the loan, I apparently just have to accept the terms and conditions of whatever new bank wants to give me? I feel there is little protection for consumers, especially considering the age and ignorance of a XXXX year old against such a financial institution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-01
Company: Resurgent Capital Services L.P.
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:
I filed a dispute in regards to incorrect items on my credit report. Its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: Experian Information Solutions Inc.
State: NC
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:
When I check my credit score Im told that incomplete information about my mortgage is hurting my score. This is the same with all the reporting services. I dont know how to report to them that I do not have a mortgage I own my house outright. The same goes for all my vehicles. I also do not have any personal loans. My only obligation is my credit cards which I pay in full every month and have done so for over 10 years.

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 2021-09-17
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened an account with Comenity Bank Wayfair in XX/XX/XXXX. My payments are due on the XXXX of each month. I submit my payments during the last week of each month prior to my due date. For the XX/XX/XXXX payment, I submitted my payment on XX/XX/XXXX. On XX/XX/XXXX, a late fee credit of {$40.00} was applied to my account. Today, I contacted Comenity Bank to inquire why I was charged a late fee for XXXX 's payment when my payment was not late, and in fact, paid 3 days early. The representative responded that he didn't know why I was charged a late fee. This is very disturbing, despite their correction as an applied credit. 

Further, I checked my XXXX credit report. Despite having a balance, this is a closed account. It appears that Comenity Bank is reporting an available credit amount of {$1600.00} which is inaccurate and erroneously contributing to the total available credit amount on my credit profile. My Comenity Bank statement shows an available credit of {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Experian Information Solutions Inc.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On or around XX/XX/2021 an attempt was made to communicate with Experian by submitting a letter via certified USPS mail requesting that a dispute be initiated. Experian has been unresponsive and also have not taken steps to assist with this issue. 

The account is under XXXX XXXX XXXX whom is currently under litigation for engaging in subprime lending practices to consumers between XX/XX/XXXX-XX/XX/XXXX. Because I am in the eligibility criteria and qualify for relief it is my intent to be sure that each of the credit bureaus are also complying with this matter by removing the account from my consumer report. For identification purposes I've included my driver 's license and social security card so that this matter can be properly addressed and the dispute is started. Also included un this compliant is the letter that has been sent to XXXX XXXX directly.

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 2018-06-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX A bank representative with Wells Fargo Bank by the name of ( XXXX ) informed me that a dispute was opened in XX/XX/XXXX for a claim in the amount of {$620.00}. 

The disputed opened was for an unauthorized charge. The company called XXXX charged my account without my authorization. 

XXXX an agent w/ Wells Fargo Bank also informed me that this claim which was paid back in XXXX was reversed and that proof would be required to reverse the unauthorized charge for {$620.00}. The agent informed me that if that proof was provided the claim would be opened up and the charge for {$620.00} would be reversed. 

The agent also informed me to fax any proof over to the claims department to confirm payment was made to the vendor XXXX in the amount of {$620.00} The agent provide a fax number ( XXXX ) XXXX The agent informed me to include a claim number claim # XXXX on all my docs After submitting information as requested I was later told the information provided to me by XXXX was invalid and incorrect and my claim would ( not ) be reopened and would remain denied. 

I am requesting that Wells Fargo take full responsibility for what the agent informed me and reverse the charge for {$620.00} like I was informed by two agents of Wells Fargo Bank. 

I would like the phone calls reviewed on XX/XX/XXXX with agent XXXX and on XX/XX/XXXX with XXXX Claims supervisor ( XXXX ) agent ID # XXXX informed me the a bank error was made and that I was given incorrect information by XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX both informed me to submit proof of payment to reverse the claim however ( XXXX ) informed that the information was false. And any false information provided by an agent would not change the decision he made to deny my claim due to a bank 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 monetary relief
Consumer complaint received 2017-12-01
Company: Home Loan Center, Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
XXXX XXXX advertises as a highly rated auto loan lender. They do n't clearly indicate prior to asking any personal information that they are intermediaries and are selling your information to several lenders. At the end when prompted to enter the last 4 digits of ss #, they do n't give you a warning that proceeding will cause several companies to pull your credit. Instead of a 'submit ' button clearly identified as last step before your information is released to them, their button says 'View Free Rates ', once you click on that, the screen disappears and no rates are given or provided. 
Then i called their phone number and that is when I was explained that i had authorized several companies to pull my credit. 
This is deceifull and not at all what i wanted, and could cause my score to go down due to the inquiries. 
Very upsetting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Mr. Cooper Group 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:
Re : NATIONSTARMORTGAGE/Mr. Cooper XXXX XXXX To whom it may concern : I am submitting this complaint to address the following issue : The above mentioned company submitted Incorrect Information to credit reporting agencies and failed to correct it.

1. Account Name : NATIONSTAR MORTGAGE/MrCooper XXXX : XXXX, XXXX XXXX days late. 

2. Account Name : NATIONSTAR MORTGAGE/MrCooper XXXX : XXXX, XXXX XXXX days late. 

The information is inaccurate. 

Payments were posted in the timely fashion to the account on XX/XX/XXXX and XX/XX/XXXX as per NATIONSTAR MORTGAGE/MrCooper records. 


Under the FCRA : It is the responsibility of the mortgage services to furnish only accurate information to the Credit Reporting Agencies.

It is the responsibility of the mortgage services to correct inaccurate information submitted to the Credit Reporting Agencies.

It is the responsibility of the mortgage servicer to conduct proper investigation of the dispute.

The information provided to the Credit Reporting Agencies should be substantiated by the records when it is furnished. 


Under the FCRA, both the credit reporting company and the information provider are responsible for correcting inaccurate information. 

It was a horrible shock for me to discover that my credit rating is damaged after having an excellent credit reputation for many years. 
I am experiencing considerable embarrassment having to explain to my business associates my situation with the credit rating. 
I am also forced to spend a considerable amount of time disputing inaccurate information and protecting my good name and reputation. 

I am ready to address the above matter to the Court of Law and file Defamation of Character charges against NATIONSTAR MORTGAGE/MrCooper if necessary. 
Section 1681o authorizes a consumer to recover actual damages sustained from the consumer reporting agency 's negligent violation of a requirement under FCRA. 
Actual damages include humiliation or mental distress, even if the consumer has suffered no out-of-pocket losses. 
( United States Court of Appeals, Fifth Circuit, Case No. 91-7142, John STEVENSON vs. TRW, April 1, 1993. ) Feel free to contact me via XXXX. 

Sincerely, XXXX. 

XX/XX/XXXX.

Company response to consumer: Closed with explanation