BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-27
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: Other problem

Complaint:
On or about XX/XX/XXXX my credit card was declined. I called Capital One onXX/XX/XXXXto inquire and was told that the additional checking account that I added raised a flag and the account was now restricted due to fraud. I have Power of Attorney of my fathers bank account and added it to manage his affairs. I explained to this to Capital One and they sent me a link to upload bank statements verifying the account owners. Someone would contact me within 72 hours of receipt. 

On XX/XX/XXXXI sent the requested documents and a letter from my fathers bank indicating that I am the Attorney-in-Fact and I 'm authorized to use his account. I also included the case number and my contact number on each document. 

On XX/XX/XXXX I called to check the status of my account to no avail. Capital One indicated they had the statements and someone would reach out to me within 72 hours. 

OnXX/XX/XXXX I called to check the status and was told that because I blackened out the balances and deposit amounts, the documents were invalid. I now needed to send in voided checks. I sent in the voided checks for each account and was told that they needed to verbally speak with my father. I informed them that he is in the hospital and can not speak but I have his Power of Attorney. The manager insisted that they had to speak with him. 

I called back later in the day to speak with someone on the Executive Customer Service Team and spoke with XXXX, a Capital One Fraud Specialist. She indicated that I needed to submit the Power of Attorney documents to Capital One for review. No one could tell my why this was not requested initially. I have submitted the Power of Attorney document and still waiting on a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I contacted Experian to put a security freeze on my account in response to the XXXX breach. A few days following my request, Experian lowered my Fico score 23 points. It does n't seem right, that while there were no changes in my financial history or performance, Experian would damage my financial reputation merely because I asked to have my credit information protected. I learned about Experian 's action on XX/XX/2017. They have no vehicle for addressing this type of action internally. I requested the credit freeze around XX/XX/2017. XXXX 's webpage to sign up for the credit freeze stated that they would notify the other 2 credit bureaus of the freeze - so they have damaged my financial reputation with other companies as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
It is clear to me that a mistake has been made on my credit report ... These companies conducted a credit inquiry without my authorization.. I disputed the inquiries but it came back verified. I never gave this company the permission to check my credit report.. Please take this off XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is follow-up to prior complaint number XXXX. Rushmore Loan Management Services is trying to collect a bogus debt I do not owe for alleged new loan number XXXX that I never took out with their company and/or XXXX XXXX XXXX XXXX acting as ostensible trustee. The original loan XXXX with XXXX XXXX XXXX XXXX was cancelled by XXXX XXXX : XXXX XXXX court clerk, case # XXXX. Now Rushmore attorneys are opening the same court case to collect on a new bogus debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX received a promissory note for full settlement from me and agreed not to sell my note but to pay me {$1000.00}. per day and then {$10000.00}. per day respectively for every day she failed to delivery my free- & -clear title. Her company was also invoiced for services rendered to the property. See lien filed with XXXX XXXX Register of Deeds : Document # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: WESTERN UNION COMPANY, THE
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I transferred money using online westering Union website to a family of mine who reside in XXXX on XX/XX/2021. First, I didn't look at the exchange rate and just sent the money through wester union. The western union exchange rate was XXXX XXXX per XXXX USD. However, after I sent it, I went to look the exchange rate right after and the exchange rate was XXXX to XXXX XXXX Birr. I called to asking why and they told me the exchange rate can changed in a minute. How in this world the exchange rate can be lower by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
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:
experian told me over the phone that the duplicate names on my credit report could not be removed. I didnt double enter my name 6 times on my credit report, and it looks tacky and unproffesional. My name is XXXX XXXX XXXX Not XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , and XXXX XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Capio Partners, LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022, A representative from the company Capio Partners informed me about outstanding medical debt of XXXX dollars from last year. That debt has been paid off months ago, and i have receipts to back that up. I told the representative that much and insisted that i did not recognize the debt, but needed proof of his alleged debt. instead of taking a mailing address down, he claimed that his system was not designed to do that. he gave me the email address XXXX to submit my complaint. I humored him, but my email that conveyed the same info was bounced back to me. I do not believe this company does not send out written debt validation notice. Furthermore, i contacted XXXX XXXX and they have no business with that company. Capio Partners, at best, it is a second hand debt buyer running on bad information, with no means to scrutinize it. At worse, it is a scam, and needs to be shut down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was looking to purchase a home for my family and I went to see my options for purchasing and the lady at the bank ran my credit to see if she can pre approve me and I was denied. I pulled my credit and I see some things on there that are not mine. I have reached out to the FTC and to my local police department. I am doing this all on my own. These items need to be removed, XXXX, XXXX XXXX, XXXX XXXX, DPT ED/XXXX, XXXX AND XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XX/XX/XXXX & XX/XX/XXXX for 30 days late??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-27
Company: Evans & Green LLP
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Evans & Green, LLP in XXXX, MO was hired around XXXX 2017 to collect a debt from our business regarding advertising with a local tv station - XXXX aka XXXX XXXX XXXX. 
During the attempt to collect the debt this law firm as repeatedly come into both retail stores taking pictures, harassing employees telling them that the store will be closing because all assets are being seized, harassed employees over the phone. 
Now as of today this law firm has posted defaming comments on both stores XXXX pages on all of the posts attempting to announce the unpaid debt to all of our companies XXXX fans and customers. The posts appeared 21 times throughout both XXXX pages. 
This is clearly a violation of privacy and a violation of the Fair Debt Collection Act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I was pre-approved and applied for a credit card with XXXX XXXX on XX/XX/2021. 
Reference number XXXXUSD They declined my application and said it was because I have no credit history. I have over a decade of credit history and have had no problems with getting credit in the past. 

They suggested we do a manual application so we did that on XX/XX/2021. 
They rejected it again and told me I don't have a credit history. I was able to pull all 3 of my credit reports and I faxed it to them after they requested it.

They still refused my application and would not escalate it. I clearly have a credit history. They kept saying that it is XXXX and TransUnion 's issue and I should speak with them. 

I talked with TransUnion and they said that they see that there was hard pulls on my credit report by XXXX XXXX so they must have got my credit report. They said it was XXXX XXXXXXXX XXXX issue and that everything is fine on their end. They refused to escalate or talk with XXXX XXXX on my behalf. 

I called XXXX several times but was put on hold for over an hour each time and never got anybody on the phone. 

I could not get any of the companies to escalate the issue for me because I very certainly have a credit report. I do not know what to do or how to have this resolved.

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 2017-10-05
Company: Big Picture Loans, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied online for a loan with this company on X/X/2017. I was approved for a loan of {$1500.00}. At the time that I accepted this loan, the Truth in Lending disclosure was not visable, and it shows an APR of 496.8091 % and that the total repayment amount for my {$1500.00} loan is {$7100.00}. I was not informed of this HUGE interest rate on the loan, I was told that there was a low finance charge. I was never able to view their " Truth in Lending '' disclosure until AFTER the loan had been processed and the funds delivered to my account, which from my research I have discovered is not legal. This company is predatory and their business practices are questionable. I have paid to date {$1100.00} and they are stating that I still owe them {$2200.00} at a minimum. This company should be investigated and stopped from taking advantage of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I first applied for the Fedloan Serving program in XXXX in hopes of getting loan forgiveness since I've been paying on my student loans since late XXXX or early XXXX and I have been a public servant since XXXX, XXXX. I have never missed a payment to any of the various loan companies that owned my loans. The Fedloan Program turned me down in XXXX, saying my loans, which were originally Federal Stafford Loans, did not qualify me for the Program. In XXXX, XXXX, I was solicited by XXXX XXXX   and told I could get into this program to reduce my loan payments. I was charged {$690.00} by XXXX XXXX to get me into the Fedloan Serving program. My loan payments went down to $ XXXX/month for the first year. In XXXX, XXXX, Fedloan Servicing informed me via email that I needed to recertify my " income-driven repayment plan. Their customer service helped me submit the form XXXX XXXX ) via the internet and it involved the IRS. For reasons I don't understand, Fedloan is now increasing my monthly payments to {$380.00}, effective XX/XX/XXXX. This is a 60 % increase. On XX/XX/XXXX, I called Fedloan regarding this issue. The customer service person suggested I ask for a recalculation and provide pay-stubs rather than IRS information. On the same call, I was transferred to a second agent who listened to my concern and suggested I get out of the Fedloan Program since I really didn't qualify for it anyway and I could save money by going to a regular payment plan with a different servicer such as XXXX which had serviced my loan previously. I feel like I've been miss-lead by the Fedloan Serving Program and by Mr. XXXX XXXX, the case manager at XXXX XXXX ( http : //www.nexum-servicing.com ). After receiving my {$690.00}, I was never able to talk to XXXX on the phone again. He had convinced me I could save money with Fedloan and he told me my payments would go down to {$0.00} when I retire from State Service in XXXX. He told me I would receive loan forgiveness once my payments went to {$0.00}. I have concluded his advise was incorrect and or miss-leading. I regret having my loan transferred to the Fedloan Program because its representatives have indicated I will not receive loan forgiveness for my 20 years of public service. I am very concerned about the cost of my student loan debt, especially since I intend to retire from State service in XXXX. I am also concerned about how I will be able to afford these student loan payments once I am receiving a pension. I am also very disappointed that I haven't been able to " qualify '' for loan forgiveness based on my long years of public service. I think this whole Fedloan Program is complete scam and I have been duped.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have submitted a dispute with equifax on 2 different occasions about an account that is list in my credit report twice. Each time they have done their investigation they have said both accounts are correct. This last report they sent me after my dispute I saved. It clearly shows that the 2 accounts are duplicates. They even list the exact same account number. I have also disputed the fact that the collection agency is charging interest on the account and I have been informed that a collection may not charge interest on an account that wasnt part of the original contract but this company is trying to charge interest on the account. I dont know what this collection is or when I supposedly owe this or for what but I can see that it is a medical collection and so Im guessing it is an old hospital bill. All the times I have been to the hospital nowhere have I seen it state anything about being charged interest. Both equifax and XXXX and associates have clearly violated the fair credit reporting act. Equifax by not performing a real investigation into this account and XXXX and associates by reporting false and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Counsel Mortgage Group, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied as a first time home buyer. Trusted lender to evaluate amount of mortgage payment I could afford. Lender underestimated closing costs by {$2000.00}. Corrected costs after too late to cancel contract on home purchase. Also found out after too late to cancel and get refund of earnest money that lender qualified me for a home mortgage loan at 55 % of my take home pay, after simple costs of utilities, car insurance, I would have left {$200.00} for all living expenses, food, clothing, gas to get to and from work. Lender admitted by phone that he made errors and would submit a retraction of my loan approval but did the retraction in a way so that I can not get my earnest money back. Lender did not tell me payment amount until after cancellation time had passed. The Administrator of the Real Estate Company I was working with, XXXX XXXX XXXX, called the lender. The Manager of the firm told her they were not working on a loan for me because they did not have a signed loan application. She inquired if that meant they were not working on a loan for me, they responded they were only gathering information yet they have not filed proper paperwork admitting they made a mistake qualifying me so that I can get the earnest money returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: TMX Finance LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
On or around XXXX XXXX, XXXX I visited a XXXX XXXX  location in XXXX, CA. At that time the staff was welcoming a friendly and informed me that I was eligible for a loan of {$2600.00}. After they took fees from that amount to register the car and other fees I walked away with {$2100.00}. I made 1 or 2 monthly payments in the amount of {$390.00} before I took my income tax money to pay them off in full around XXXX XXXX, XXXX. At a later date around XXXX/XXXX/XXXX, I ran into another hardship and reapplied for another loan. This time they did not charge me all of the other fees but gave me a check for {$2600.00}. None of the employees or affiliates informed me that every time I make a monthly payment that more will be applied to the loan if I do n't come in and pay {$3500.00} in total at one time. Daily interest of {$10.00} + accrued even though monthly payments were being made which has placed my family in a financial hardship. After speaking with the employer I learned that I would have to pay them nearly {$15000.00} before my loan would be paid off if i " wanted '' to continue to pay monthly fees. Again, none of this was explained to me at the time they reassured me that I can just make monthly payments until I reach {$3500.00} to pay them back. Out of good faith, I reached out to the employer and asked them to refinance the loan so that I can afford the monthly payments until I am able to come in with a large lump sum when I get my income taxes. The manager XXXX XXXX stated that I would have to come in with the Monthly payment plus the daily interest estimating in an amount of {$770.00} in order to refinance the loan to a smaller monthly payment amount. I could not afford it and have been forced into a financial hardship. Currently, the vehicle is a total lost according to my insurance company " XXXX XXXX '' and the insurance agency is ready to pay me out. Unfortunately because XXXX is the " XXXX '' the insurance company is asking for my signature to send the check to XXXX Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
WELLS FARGO HOME MORTGAGE SECONDARY HOME MORTGAGE I AM REQUESTING BALANCE OWED, DAYS LATE UNAPPLIED FUNDS BALANCE ON DATES THAT MY HOME WAS INSPECTED AND DATES AND AMOUNTS OWED WHEN LOCKS WERE CHANGED. 
WELLS FARGO RESPONDS HOWEVER THEY NEVER ANSWER THE SPECIFIC QUESTIONS AS TO DATES THAT INSPECTIONS WERE DONE AND THE AMOUNT I OWED ON THOSE DATES. 
THIS WAS A 10 YEAR LOAN I OWED LESS THAN {$10000.00} HAD A HICCUP IN MY LIFE FORGOT TO PAY THE REAL ESTATE TAXES AND THEN WELLS FARGO & I PAID THEM ON THE SAME DAY THEY STARTED TO ESCROW - IT WAS THE LAST 10 MONTHS ON THE LOAN!! THEY ALSO STARTED TO, MISAPPLY MY PAYMENTS FOR THIS LOAN AND THE ONE FOR MY PRIMARY HOUSE, THEY KEEP SITED THAT THE HOUSE WAS VACANT - IT WAS FURNISHED AND UNOCCUPIED SINCE IT IS A SEASONAL RESIDENCE. THE LOAN WAS PAID OFF NOT FORECLOSED - I AM ASKING FOR DATES OF INSPECTIONS, THE NAME OF THE VENDOR, THE AMOUNT I OWED ON THOSE DATES. SOMEONE TOOK ALL OF MY FURNITURE, AS WELL AS A TRACTOR AN XXXX HOUSE TRAILER --  WELLS FARGO IS DENYING RESPONSIBILITY. WHEN POLICE WENT TO HOUSE DOORS AND WINDOWS LOCKED BUT NO FURNITURE - WELLS FARGO ONLY ONES THAT HAD THE KEY

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 2017-12-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have unauthorized " INQUIRES '' on my credit report and I wrote to the creditor 's explaining to them that I did not authorize these inquires and that I am a victim of ID theft. The creditor 's never contacted me back and never removed the information from my credit.

Company response to consumer: Closed with non-monetary relief