BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-29
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I leased 3 cars from KIA and bought a forth car buying out the lease. I have previously complained to CFPB about KIA FINANCE and their predatory lending procedures. They never asked me for pay stubs to confirm my income, and had me sign several bill of sale contracts after purchase with force threatening me with police. This last car KIA XXXX with loan number XXXX with traded in. I don't why is it reporting as a charge off. After purchasing a fourth car, I can not understand how a finance company is allowed to take advantage of it's consumers. 

This charge off now is affecting my licensing and my livelihood 15 years in my career as a licensed mortgage originator. I have never missed payments before. I am attaching the letter from the state regulator for my licensing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Real Time Group, 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 information incorrect

Complaint:
This company which I hold no contact with nor have received services from reporting a collection account against my SSN in the account of {$1000.00} with XXXX and XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does a contract with me for goods or services they have provide not have they provided adequate proof I am not obligated to pay for the alleged debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The medical collection was put on my report, erroneously. I have always disputed the information AND how can the collection agency verify the accuracy of the account without violating the HIPAA Privacy Act? Additionally, it appears to be listed as an " Unknown '' or " Unnamed '' collection on both my XXXX and XXXX report but the same amount and what seems to be the same account number shows up on my XXXX  report as Phoenix Financial Services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
The XXXX XXXX XXXX  XXXX XXXX XXXX opened a company account in PAYPAL in XX/XX/2019, in order to receive payments from the offer of services such as training courses. 
At the time of opening, the balance could be withdrawn by credit card. However, it is important to note that this information is not easy to find and is not discussed in the terms and conditions for opening the account. 
Currently, it is not possible only through a bank account in the United States and by check. The Foundation can not open a bank account in the United States. 
We have written 3 times in the last month, through the messaging service to ask the bank that issued the check to be able to cash it in XXXX, before requesting the balance by this means. 
As they do not respond to us, we directly try to request the balance by check and we were surprised to verify that it is not possible to withdraw this balance by this means either. 
We demand the return of this balance immediately. 
We have screenshots that show what was said.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I called B of A trying to get a replacement card. I believed I did not have the card and had destroyed it. I did not think this would turn into a big problem. Now it has. 
They didn't believe I didn't have the card, which was weird. 
They sent me to fraud to verify me, which annoyed me because the card hasn't been used in almost 2 years. So I go through all of the verification, answering at least a dozen security and personal information answers. 
I know I got everything right. They asked several trick questions. The last question was kind of ambiguous, asking what amount would have been deposited to the account. Do they mean now, or before? I answered from before. Who knows what they meant, but they said I was a fraudster and they wouldn't send me another card. 

I am not a fraudster and they need to send me another card. 

I called the unemployment office to get a new card and they wouldn't help me. But I did talk to a rep who was very helpful in telling me that I was confused about which company the unemployment department had switched from. All I could recall was going to XXXX XXXX. It actually was the reverse. I started with XXXX, and then at the end went to B of A. So, maybe that is why they didn't believe me? Who knows. 

But, think about it. Your credit card is stolen. You call your bank and say it's stolen. They turn that card off and send you another one. Right? Okay, my debit card has been turned off. No one has attempted to use it. They refuse to send me another one. They say I have to go into the branch and beg the manager to get on the phone saying I'm real and I am now allowed to call again for a replacement card. Total discrimination. This wouldn't happen if they didn't think I was a low life on unemployment. I will not allow Bank of America to treat me like this. They are professional criminals and I am an honest citizen.

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 2019-01-08
Company: Midwest Recovery Systems
State: VA
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:
Midwest Recovery placed a collection account on my credit report in XX/XX/2018. I did not receive a XXXX letter nor notification regarding the debt. I wrote a letter to Midwest recovery in XX/XX/2018 and again in XXXX & XXXX asking for debt validation. Meanwhile I also request validation from XXXX XXXX  and XXXX. To date the debt has not been validated but still remains on my XXXX and XXXX credit report. Ive sent a second dispute letter and XXXX  was the only agency to remove the debt because it couldnt be validated. Midwest has not responded to three request to validate and XXXX  and XXXX  have failed to provide the method of validation. This account is unknown to me and I wish it to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Experian Information Solutions Inc.
State: TN
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:
Contacted Experian XX/XX/20 XXXX XXXX  CST, and spoke with a representative in which asked questions about why a closed account consistently reporting late and showing an increased past due balance. The representative advised the account was currently under investigation, and I will receive an update within 30 days. I received an email alert stating the dispute is now open on XX/XX/20. A couple of hours later I received an alert stating the dispute was completed, and another alert stating an update on the dispute. After checking the before dispute in comparison to the after dispute ; the account was updated as verified and balance increased by {$1.00}. How can a dispute be verified, updated, and balance increased by {$1.00} in the same day? According to Experian ; In most cases, disputes are completed within 10-14 business days and quite often within two to three days. Results were provided within hours without any method of verification. In this case, the representative had the ability to change the amount by {$1.00} upon what authority, or legal aspect?

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 2021-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
I purchased a product from a company, XXXX XXXX XXXX, for the amount of {$3200.00} and ended up having to get a refund. The credit card used was Capital One and I made 6 monthly payments of {$530.00} from XX/XX/XXXX to XX/XX/XXXX ( 6 payments ). 

When the refunds finally showed up on the statements, it was shown that the company did refund the 6 payments ( {$3200.00} ) but Capital One showed they were only going to refund {$2600.00} ( which happens to be exactly {$530.00} + {$55.00}, the {$55.00} being a charge for bug extermination from XXXX. Why have I been charged this extra {$590.00}? 

These were the only charges I had with Capital One from mid-XXXX XXXXXXXX to XXXX XXXX and I always paid the amount due in full. 

To me it is basic math ; I payed out {$3200.00}, I should be refunded {$3200.00}, not {$2600.00}. 

When I called Capital One, the first attendant could not figure out the problem of why I was not being refunded correctly. So they sent this to the " highest '' level and I was spoken to by an attendant who merely went over the statement with me. I asked him point blank if he does not see the basic math with the situation and he responded that the statements tell the whole story as if there could be no errors in the statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
18 U.S.C. 1029 ( A ) ( 6 ) is intended to address fraudulent " solicitation '' ( B ) selling information regarding or an application to obtain an access device. 

Third party collection furnished an account for me using my personal identifying information without my consent or valid contract. This agency is participating in soliciting activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: JPMORGAN CHASE & CO.
State: IL
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:
This is the 2nd time in the past 3 weeks that Chase Bank has improperly made a payment to itself from my checking account and overdrawn my checking account. Despite the fact I was no where near a computer or phone at the time they're saying, they say that someone must have logged into my account and paid off my balance. I've never had autopay. The previous incident I had to have my bank put a stop payment on the payment because they erroneously tried to charge my for something I didn't authorize. Later, I had to remove a stop payment so I could make a normal payment. Chase reversed the actual payment I scheduled and instead put it upon themselves to take everything out of my checking account without my authorization. I looked into my account where it shows logins and IP addresses associated with such and there's nothing for the time and date in which they're claiming that someone logged in and made this random payment. How can that be so? Chase is failing to address this issue in a timely manner and they are also failing to admit fault when this is clearly an issue that they have caused twice. Now, going into the weekend I was told that I won't be called today but probably Monday or Tuesday. This is unacceptable and unprofessional. Their error should take top priority in fixing and remedying the situation, instead they have me on the phone for 2 hours, say sorry, and then hang up

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not an account that should be on my report. I have never lived In This complex. 

I have been a victim of identity theft. and will be attaching an affidavit to this report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
The account in question in discussion is Capital one Bank Account # XXXX the issue at hand is a late in XX/XX/2020, I was sick with XXXX I tried calling to defer the payment and could not reach anybody at Capital one. When I was well enough to work I did make the payment immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-22
Company: GUARANTEED RATE INC.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My loan was not made in good faith. GRI changed my APR from 4.25 to 4.5. The Closing disclosure I signed was different that the one at closing.

GRI sent me TILA-RESPA LOAN CHANGE Disclosure in mail on XX/XX/18. However this LOAN CHANGE disclosure was never given to me and is missing DOCU SIGNATURE. The documents states APR changed to do score change.

There was no score change. Credit score used for lOAN is attached The only TILA-RESPA LOAN CHANGE disclosure with a DOCU SIGNATURE that was given to me is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX has appeared on my credit file through Transunion. I disputed XXXX in the past and it was removed off of my credit file. Once item has been removed off of my file you can't re report that information because of the Fair Credit Reporting Act

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 2018-06-22
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX Good morning, We're reaching out to you, in the hopes that you will assist us, with our negotiations, with Ocwen loan servicing. 

We are WELL aware of the fact that Ocwen has a very long history of deception and fraud, when it comes to dealing with distressed homeowners and we need your help in our situation. 

We began our negotiations with them on XX/XX/XXXX. At that time we got a snapshot of our account status and we told XXXX, employee # XXXX that we would be submitting all paperwork required for review of our loan. 

On XX/XX/XXXX, we spoke with XXXX XXXX employee # XXXX. She informed us that all 52 pages that we faxed, were documented, imaged in and that the review process would begin within 3 to 5 business days. 

During the month of XXXX, we were required to resubmit the XXXX form, along with proof that my husband, XXXX XXXX, was the Executor of the Estate on this account.. TWICE. We did so happily. 

During the month of XXXX we've had contacts with them on a weekly basis and each of those conversations, we were told that our request for modification was being reviewed. 

We spoke with Ocwen on the XXXX, to XXXX, employee # XXXX and then to XXXX XXXX, employee # XXXX. At that point we were told that NO modification was being reviewed. 

We requested to be transferred to a supervisor and we spoke with XXXX, employee # XXXX. He told us that the original request for modification was, in fact, closed on XX/XX/XXXX. Meaning - Ocwen has been lying to us for the past 3 weeks. 

In order to review this loan for modification, a request ticket for an Assumption Modification must be made first. Documentation must be submitted for that and once approved, the formal modification can be completed. This was discussed during the very first conversation we had with Ocwen and they agreed that this would be done simultaneously, with our request. 

All of the notes from our conversations are attached to this complaint and we're asking that you reach out to Ocwen immediately, so they take this matter seriously and we get to where we need to be as quickly as possible. 

Thank you for your help with this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
This is a school debt from XXXX. It has been 7 years and should be removed from my account. In addition, this is a school debt that I am being forced to pay while I am still in school, and have been in school since XXXX. I want the account either updated to show that I have not missed any payments, but preferably I want it removed COMPLETELY from my credit report. Attached are letters proving that this is a federal loan, and this is the only federal loan that is not in deferment because UD sent it to a private debt collection agency pretending it was a personal loan borrowed directly from UD, when it was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
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: Old information reappears or never goes away

Complaint:
I notice some negative items on my credit report and sent a dispute to the 3 CRA ( XXXX, XXXX, and experian ) on XX/XX/2020 about the inaccurate items -- most of them are items that are more than 7 years old and needs to be deleted asap, the rest are incomplete and inaccurate items that needs to be deleted as well. Neither of the CRAs has responded to me concerning the inaccurate items.

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 2018-06-22
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There was a total loss on my vehicle and Wells fargo incorrectly reported my loan past due and continues to report it past due. I spoke with the total loss department and it has been verified twice now they agreed to submit to the credit agency that the payments reported late were never late. I just disputed this on my credit report after talking to a wells fargo agent because she said that was the way to get it off my credit. They will send the request to wells fargo and it will show the notes that it was to be taken off. The only reason this account was considered late in the first place was because wells fargo incorrectly filled my loan documents out and could not provide my insurance company with a title so they withheld payment. My insurance company was ready to send a check to wells fargo about 7 days after the car was totaled. Wells fargo is reporting my payment 90 days late. All of the conversations are noted by wells fargo and can be confirmed that around mid XXXX i spoke with the total loss and they agreed the defaulted account was not my fault and would be corrected.

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 2019-01-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax NOTICE OF DEFAULT ACTION XXXX REF : alleged XXXX XXXX/XXXX   faulure to comply with the FCRA, FCA to a request for information. On XX/XX/2018 I emailed as per enclose documents to, XXXX has failed to provide any thing to me this is a official statement of fact. You Equifax are required by law to remove this alleged account for there failure to comply, warrants removal immediately. Please do so. All response will be forward to the CFPB for violations. This alleged account was disputed to both of you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-12
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX, I received a retroactive interest rate refund ( {$220.00} ) from CITI, XXXX XXXX XXXX, XXXX, OR XXXX. This refund check is issued in agreement with the Bureau of Consumer Financial Protection for flaws in CITI 's APR review between XX/XX/XXXX and XX/XX/XXXX. The contact number on the letter is, # XXXX. The escalation of the calls to this number determined that this is a company, XXXX that generates the refund checks for CITI. The customer service number on my CITI statement, # XXXX also determined that this is handled by XXXX. They could only explain the generation of the check and therefore, could not answer my questions. After 2 hours of inquires, I reach XXXX, Supervisor - CITI. My demand is to receive an audit of my account regarding the flaw and the correction that generated the refund. She advised that I would receive a letter. She was informed that another word salad letter would not be acceptable.

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