BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 have filed a dispute regarding the incorrect items on my credit report. It has been more than 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, I submitted a payment online for my American Express Blue Cash credit card for the total balance of {$310.00} from one of two bank accounts linked to the credit card account for payments. I incorrectly used one of the bank accounts, XXXX XXXX XXXX XXXX, that did not have sufficient funds instead of the correct bank account, XXXX XXXX XXXX XXXX, from which I 've been making payments to American Express for years, on time and well over the minimum due. When I realized the error, American Express had already tried two times to receive these funds from the XXXX XXXX XXXX XXXX account. As such, I received two {$30.00} fees for insufficient funds in the account from the bank. I immediately called American Express when I realized this error on Monday, XX/XX/XXXX. A representative understood my request and processed the payment of {$310.00} from the XXXX XXXX XXXX XXXX account. However, the next day, Tuesday, XX/XX/XXXX, American Express processed a third attempt to receive the funds from XXXX XXXX XXXX XXXX, for which I was charged a third time for insufficient funds. When I called American Express to address this third incorrect payment, they told me they would refund the returned payment fee that American Express charges but that they could not address the insufficient funds fee charged by my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: 3rd Generation, Inc.
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:
On XX/XX/2021 I filed a CFPB complaint ( XXXX ) against CALIFORNIA AUTO FINANCE. It has been 72 DAYS with NO RESPONSE to my CFPB complaint. CALIFORNIA AUTO FINANCE failed to respond to my request for debt validation in 30 days. CALIFORNIA AUTO FINANCE hired a third party debt collector XXXX XXXX  to steal my identity, personal information, credit card and social security card. XXXX XXXX  sent my personal information, credit card number and social security card to at least four uninterested parties to which I have proof. They furnished documentation that clearly displays their harassment and fraudulent actions. There is no contract, agreement or validation between this alleged debt collector and me. I am the original creditor and consumer.Violations of TRUTH IN LENDING ACT 15 USC 1601 AND FAIR DEBT COLLECTION PRACTICES 15 USC 1692. I humbly request CONSUMER FINANCIAL PROTECTION BUREAU intervention and action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: Navient Solutions, LLC.
State: PA
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:
in XX/XX/XXXX, I. lost my son in a car crash, Loans he signed for were forgiven. the parent plus loans I signed for were not they said they were combined with another sons loan. Over a 12 year period I made several attempts to clear the notes. I continued to make payments. In XX/XX/XXXX< I contacted an ombudsman to plead my case. I was some what successful, in XX/XX/XXXX the total amount of his portion of my debt was credited. ( {$56000.00} ) What was not credited was the interest that accrued over the 12 years for the {$56000.00}. 
After doing my own anylasis, if the my debt due at the time with the payments I made would of been less than {$10000.00}. In stead it was set at over {$27000.00}. Te difference is very close to the cost of of interest for the {$56000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: 21ST MORTGAGE CORP.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ive not worked since XXXX of 2020, my mortgage company attempted to defer payments, however, I was not receiving unemployment, so I had no income to pay the taxes and service fees to defer payments. They are now threatening to foreclose on me. I am still unemployed, looking for work, and receiving unemployment. I am doing my best to get caught up, but they arent working with me any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a bunch of fraudulent information on my credit report. 

I never had an account with XXXX XXXX XXXX or XXXX XXXX XXXX but they are showing up on my credit report. 

I also have several other inaccuracies on my report such as " XXXX XXXX '' another company that I have know knowledge of and have never opened an account with them. 

This is crazy, how can this be happening?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: MAJR Financial Corp
State: TX
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 have filed a dispute regarding the incorrect items on my credit report. It has been more than 30 days and I have not received any investigation results.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
Portfolio Recoverr, a debt buyer company reporting as a factoring company on my credit reports had two accounts listed as collections from XXXX XXXX. Those accounts were never validated. I never received an original consumer contract. I decided to settle the amounts because the collection implied that it would be removed. Portfolio did not remove the accounts. The rep coerced me to settle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: ERC
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been trying to fix my credit for quite a few months now. There has been some collections and other accounts placed on my credit due to someone else. I have filed a police report with my local police department and was advised to file a complaint here as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
on XX/XX/2020 at XXXX XXXX central time, I received a call to my desk phone. The caller id was XXXX. I picked it up and it was a debt collection company. There was an automated greeting saying they were for XXXX XXXX and they would come to my place of business, and serve me. I clicked the option to pick to a rep. I asked them to please do not call my place of employment because I'm not allowed to have personal calls. 
The rep told " they would not stop calling my place of business until I paid them ''. I told him that was not right and I have the right to tell them to call XXXX XXXX. The rep told me " they will continue to call me everyday until I pay them '', he then said ' and if you do not pay, you will be sued in XXXX XXXX courts ''. I again asked him to remove my work phone and he declined. I let me know my work phone was being recorded and he said ' he didn't care because his phone was being recorded and calls to my job would not stop ' he hung up on me at that time. 

I have a copy of the recorded call. 
The company was IC System - XXXX XXXX XXXX XXXX - website is https : //www.icsystem.comXXXX

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 2019-03-26
Company: Mr. Cooper Group Inc.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I XXXX XXXX submitted a full modification package to a mortgage servicing company known as XXXX XXXX. There was a complete modification package submitted in XX/XX/XXXX and another one submitted in XX/XX/XXXX whereas the file took nearly one year in underwriting review and was rejected because there was a lien on my title from the divorce attorney that handled my divorce. I then re-submitted a new modification package with a copy of the lien release. All of my financial conditions were met to qualify for a home modification. As my loan was in final underwriting review, XXXX XXXX sold the servicing rights to my mortgage to Mr. Cooper, formerly Nationstar Mortgage. I now have to send in a full modification package for the third time. Fortunately, I have all of my documentation together and I can expedite a full modification package once I receive a clean mortgage assistance application. I have made this request on several occasions within the past 30-days, even with the bank 's attorneys as my mortgage was thrown into a foreclosure process during my divorce. My case was badly handled by XXXX XXXX and now I'm seeing the same lines of communication going in the same direction with Mr. Cooper. I am more than qualified to handle the completed modification payment arrangements. I will file a formal complaint with the Federal Deposit Insurance Corporation on this abusive collection practice that could easily be resolved with the right professionals at Mr. Cooper. I am in dire need of assistance from the Consumer Financial Protection Bureau to expedite my rights under the Fair Debt Collection Practices Act amended version of XX/XX/XXXX. I demand that my modification assistance application be emailed to me immediately so that I can process and forward a full modification package for underwriting review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2020 XXXX XXXX XXXX Loan number XXXX XXXX XXXX XXXX XXXX, CA XXXX I'm reaching out to you in the hopes that you will be able to assist me with my negotiations with Rushmore Loan Management Services. 

I have been trying, unsuccessfully, to resolve a Foreclosure matter with them for more than a year now. 3 years ago, my fiance passed away and that created, not only a loss of income, but a large financial debt. As a result of these issues, I fell behind with my mortgage and have been trying to modify the loan since. 

I have been working with an attorney who has basically only made the issue worse, as that person has backed me into a corner - there is a sale date schedule for my home on the XXXX and the attorney did nothing to address it. 

I reached out ( again ) to Rushmore last week and was told that as long as I had documentation submitted by end of business day, Monday the XXXX, I would be fine. I submitted everything, called on Tuesday to confirm that it was received and was told that the documents were being imaged. When I spoke with them yesterday I got three different answers from three different individuals, regarding the status of my request - all of them conflicting. 

Not only this, but now they're requesting additional documentation and are refusing to put the sale date on hold. I have done everything I possibly can to comply with their requests over the last year, but it seems as though they're determined to follow predatory, as well as, questionable business practices. 

I was told that things would be fine, as long as I follow their instructions, but it's clear that that was all part of their deception. Please assist with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Selene Holdings LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In the process of selling my home my mortgage was sold without my knowledge. The mortgage was sold from XXXX XXXX to Selene Mortgage company on the day the property was sold. The check was sent to XXXX servicing on XXXX XXXX and they sent the check to Selene. Selene cashed the check on XXXX XXXX in the amount of {$90000.00}, this was the total pay off amount. Selene has yet to apply the total to the outstanding balance. I have received SEVERAL collection phone calls over the past 90 days. And have spent countless hours on the phone with them trying to resolve the issue. I have requested 5 times to speak to a manager and it is not allowed. They always tell me that someone will get back to me within 24-48 hours and they never do. They owe me {$220.00} of {$11.00} a day in prepaid interest ( 20 days ). There has been activity of payments made to the account and then retracted. I need help finding my {$90000.00} PLEASE HELP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
They pulled my credit report without my permission i did not authorize this credit pulled so it put a hard inquiry on my credit report without my permissions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: JPMORGAN CHASE & CO.
State: AR
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/18 I received an email from Chase about a suspicious charge on my XXXX XXXX VISA card in the amount of {$490.00}. I immediately contacted Chase to confirm that the charge was fraudulent and they removed the charge, cancelled my old card number and issued me a new card. 

AT THIS POINT, I THOUGHT THE MATTER WAS COMPLETELY SETTLED. 

However, the charge of {$490.00} reappeared on my XXXX statement. When I contacted Chase again, they said they put the charge back on my account because a package linked to this charge was shipped to my address. 

Again, I informed them that I did not make this charge and never received any packages. I also informed them that someone set up a fraudulent XXXX My Choice account linked to my address and this time, mostly likely, to intercept the package. I have a police report to document this. 

In spite of this information and repeated calls made in an attempt to settle this matter, Chase refuses to remove this fraudulent charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-29
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
After pulling all 3 of my credit reports, I have noticed a collection debt from RENTDEBT AUTOMATED COLLE. XXXX XXXX XXXX XXXX, TN XXXX, ( XXXX ) XXXX pertaining an invalid account number and the amount that is not mine. The amount reported is {$3800.00}, reported XX/XX/XXXX. I DO NOT have a contract with them and DO NOT owe this company. This falls under inaccurate/false reporting and must be DELETED FROM ALL 3 CREDIT BUREAU 'S IMMEDIATELY and due to law passed XX/XX/XXXX no judgments are to be reported on neither 2 credit bureau 's. This is illegal again I do not owe this debt that the RENTDEBT has reported and it is not mine. I requested that RENTDEBT REMOVE IMMEDIATELY FROM ALL 3 CREDIT BUREAU 'S WHICH IS XXXX, XXXX AND XXXX. I 'M OUTRAGED THAT COLLECTION AGENCIES CAN REPORT ANYTHING/AMOUNT ON YOUR CREDIT AND RESPOND TO THE CREDIT BUREAU 'S AFTER DISPUTE THAT IT IS ACCURATE INFORMATION, OWED AND UPDATE NO PAYMENT ON YOUR REPORTS!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a bunch of fraudulent information on my credit report. 

I never had an account with XXXX XXXX XXXX or XXXX  XXXX XXXX but they are showing up on my credit report. 

I also have several other inaccuracies on my report such as " XXXX XXXX '' another company that I have know knowledge of and have never opened an account with them. 

This is crazy, how can this be happening?

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 2021-09-11
Company: CARMEL FINANCIAL CORPORATION, INC.
State: TX
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 have filed a dispute regarding the incorrect items on my credit report. It has been more than 30 days and I have not received any investigation results.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid a chase credit card off with over {$6000.00} in charges, additional charges were applied after the pay off or a small unpaid portion was still due. A payment of {$100.00} on the lingering {$190.00} was made in XX/XX/2018 and a complete pay off was made the next billing cycle. I received an automated call from chase in mid XX/XX/XXXXsaying i had a 35 day late payment due in which i hung up and went on chase online banking to make sure the call was not fraudulentl as i thought the card was paid in full. I seen a past due amount and immediately paid the card and late fee in full. I figured the money would be refunded if an error were found but either way keeping my credit in good standing would be worth {$140.00}. I've been building my credit for about 16 years and have zero late payments. They reported this payment as late and that credit bureau listed me as having 288 total payments and 1 late payment being from Chase which brought my credit score down 96 points. I know that humans are not perfect nor is the internet or websites and I can not prove who is at fault and neither can chase. However, i am certain i attempted the 90 somthing dollar payoff which apparently did not go through and was " sure '' there was a {$0.00} balance. I reached out to chase several times in which they are unwilling to help. I think chase online banking was at fault and my credit history shows my seriousness to paying my bills on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: American Accounts & Advisers, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I went to check for financing a vehicle, which this dealership holds, called as XXXX XXXX XXXX. They took the data and put a report on my credit with {$460.00} charge displaying it as American Account Advisor,  Out of nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: EQUIFAX, INC.
State: CO
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:
Since XX/XX/2021 I have been disputing XXXX XXXX XXXX on my credit report and the ALL 3 BUREAUS have refused to open an investigation on my behalf. I have attached each letter of dispute for this account and no response from the bureaus. The Bureaus is in direct violation of the FCRA guidelines on conducting an investigation and it has been well passed the timeframe allowed to do so. I am now requesting permanent deletion. I keep excellent records and I do not want to have to file a civil suit against the bureaus with a Consumer Attorney for them being in violation of my consumer rights and them reporting inaccurate, erroneous information on my credit report. I have attached my Driver 's License and Utility Bill for proof of my identity. Please consider this my written authorization. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Larry H. Miller Group of Companies
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
In XX/XX/XXXX I purchased a XXXX XXXX XXXX from the dealership XXXX XXXX XXXX XXXX XXXX. I was told I only received financing from 1 company. I believed them since I knew I had credit issues and this was a new start fresh. I did not know at the time the company I received financing thru was owned by the dealership. If I had known I probably would not have gotten the car. When there is no disclosure of business relationships its hard as a consumer to make informed decisions. 
I was later been made aware that I received an offer from XXXX XXXX as well as XXXX XXXX but was never given the option of this other financing company. Since obtaining this loan I have been unable to trade it in because of a lawsuit with the car and the amker and the value has since been cut in half of what I owe.

Company response to consumer: Closed with explanation