BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I initiated a balance transfer on XX/XX/2019. I transferred {$1200.00} from my XXXX card to Capital One to bring down the Capital One balance. The money left XXXX and posted to my account on XX/XX/XXXX. The balance is still not posted to Capital One. I reached out to both companies several times, and Capital One said it was posted to an account that does not exist on XX/XX/XXXX. They got the correct number from XXXX while they were on the line with me. They have said this would be resolved in three to five business days. It has still not been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-31
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: Account status incorrect

Complaint:
I have an auto lease with XXXX XXXX XXXX and on XXXX of XXXX it reported to all 3 credit bureau that i was late 30 days and caused my score to drop over 50 points which denied me an approval for a coop / condo mortgage. These mortgages have stricter requirements than standard single family homes. I called XXXX to express my concern and they provided me with a certified copy stating that my account was never late or been delinquent since its birth and they have never reported anything negative to the credit bureau. How is that mistake made and how can it be fixed. Tried to dispute with all three credit bureau but my credit score stays the same and provided them with a copy of the letter exonerating me from such delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2021, I sent a letter to Wells Fargo in regards of an account being reported to the credit bureaus where they are reporting different numbers than my records. but they sent me a letter without the whole number that I requested. 
I wanted to know if the account was sold, and if so to whom. I sent a follow up letter on XX/XX/2021 and it was ignored.

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 2021-11-04
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Got a letter form mr cooper claiming that. they will no longer contact cause they were notified RECENTLY to cease and desist even though they have been told this many many times over and that is why i get sparse call from them not leaving messages or leaving four second blank messages EVER SINCE then they send the bogus letter like they finally were told PREPOSTEROUS!!!!! they don't honor their word cause i got another call from them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I made a purchase from a fraudulent company, XXXX ( XXXX XXXX XXXX ), using Paypal on XX/XX/2020 in the amount of {$99.00}. XXXX also claims payment is for item " XXXX  XXXX Item 1 '' and uses a personal email address " XXXX '' for their paypal account . As soon as the order went through and I didn't receive email confirmation or the order, I emailed and called the seller immediately to no avail. I got a gut feeling being a fake website/ scam, I immediate on the same day of the transaction XX/XX/XXXX ( within couple of hours maximum ), logged a dispute with Paypal stating this to be scam. So they should stop processing the transaction, which they never did and proceeded without proper investigation to allow funds being transferred to the scammer. 

On the dispute with PayPal and XXXX provided a fake tracking number ( for a order to different address in the same destination city ). PayPal accepts this without investigation and closes the dispute. I notified PayPal, that I have video surveillance in my house and do not show any deliveries from XXXX  that day either. Again to no avail and no investigation. 

Paypal has been made aware of this company by many other people and still allows its account to sell and denies disputes or to return money. I have provided these to Paypal and they never investigated and closed that dispute either to no avail. 

XXXX XXXX XXXX # XXXX XXXX XXXX   Additionally, The XXXX  tracking shows delivery to someone else 's address within same city of an item of 10lbs weight. The item I purchase a basketball hoop weighs well over 120lbs as per description on XXXX, XXXX XXXX.. Paypal has done no investigation on its part and just closed the case without proper communication and investigation into this matter and also has not safeguarded buyer 's and has left them vulnerable to fraud/scam by still allowing these sites to operate on their platform. 

While talking to a customer rep at paypal he agreed that proper procedures need to be implemented and that I " will not lose a penny with Paypal '', but that has not been fruitful either. There's no buyer 's protection that paypal touts and is deceptive in its tactics. Their platform may be serving criminal money laundering activity and the do not perform proper KYC/EDD/CDD checks on their merchants. 

Transaction ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: Colony Brands, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX XXXX and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX and XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Experian Information Solutions Inc.
State: AL
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:
Clarity Consumers subsidiaries of Experian all of the stuff I the report that obtained is XXXX  and is there anyway to request for this company to not report or keep information about you?

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 2018-05-02
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Under the FCRA I request that LexisNexis immediately notify XXXX of the folllowing : That the bankruptcy Item XXXX is deleted from my file. And to provide me with a copy of said communication. Under the FCRA, I have the right to : - Request that LexisNexis furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by him who has received a LexisNexis consumer report for employment purposes within the past two years, or received a LexisNexis consumer report for any other purpose in the past six months ( twelve months for residents of Colorado, Maryland, and New York ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Ballybunion Enterprises, Inc
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Called XXXX XXXX to discuss making a payment arrangement to satisfy a debt that I owe. I offered a payment of a {$100.00} a month ( {$50.00} Biweekly ) and XXXX XXXX said that they could not take less than {$200.00} a month. I informed them that I can not make a payment that high at this time at in the future I could. I again asked if I could start with the {$50.00} bi weekly payments and he then said that they could not again. At this time I got off the phone as I was not able to make an arrangement with them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: EQUIFAX, INC.
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 am a victim of identity theft and I have a security freeze and fraud alert on my credit reports along with an Identity theft Affidavit filed with the FTC - Report # XXXX and a police report report filed at the XXXX Police Department. 

Please be advised that along with my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite three written requests, the unverified and FRAUDULENT items listed below remain on my credit report in violation of Federal Law. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be removed from my credit report : Collection Agency : XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Nelnet, Inc.
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 am writing with a serious grievance regarding my accounts serviced by XXXX XXXX - a division of NELNET , Inc. - which house three private student loan accounts serviced on behalf of XXXX XXXX, the lender. Upon phoning in to XXXX several weeks ago to inquire about remaining forbearance time on my account, I was advised by three separate representatives on four ( 4 ) separate occasions that each of my loans had nine ( 9 ) months of forbearance time remaining for my use, most recently on a call today, XX/XX/XXXX. Upon being previously informed of my remaining forbearance time ( 9 months ), I made several financial decisions to plan out my budgeting and finances accordingly, only to receive a call one week later, informing me that I infect only had three ( 3 ) months of time remaining on two of my loans. 

Understandably, I was and remain outraged at this sequence of events, as XXXX staff erroneously informed me on four separate occasions that I still had nine months of forbearance use available to me, on recorded calls. This situation has directly caused me financial harm, as a result of the misinformation provided by four XXXX company representatives, and XXXX must be held accountable for this grievous error. I have spoken to management, whom only give generic replies regarding their error, and refuse to coordinate with XXXX XXXX to honor the additional forbearance time, as a result of their company 's error. At this time, as a result of XXXX 's blatant errors and refusal to assist me with resolution, I am requesting immediate resolution to this matter by either coordination with XXXX XXXX ( the lender ) to honor this additional 6 months of forebearance time on the two other loans, as promised by their staff, or that XXXX XXXX covers the minimum monthly payment for these two loans for the 6 months after the current forbearance time ends ( which is allegedly set to due so in XX/XX/XXXX ). XXXX 's erroneous misinformation provided to me -- by four company staff members -- has caused me direct financial harm, and I must request immediate resolution to this matter at the executive level.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
How are you doing? Can you please help me? During this Covid-19 I been reviewing my credit report, and I was shocked when I reviewed my credit report and found late payment on the dates below XX/XX/2019-XX/XX/2020 for XXXX 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, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-03
Company: LEXISNEXIS
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: Was not notified of investigation status or results

Complaint:
LexisNexis received my certified letter XX/XX/20 requesting a Method of Verification regarding their claim that a Chapter 7 with filing number XXXX is verified as correct. They have 15 days to send the documentation. They are outside of the time frame to send the requested documentation. They are out of compliance. I am exercising my rights under FCRA 611 ( a ) ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A medical debt that I legitimately owed was assigned to XXXX, XXXX, XXXX XXXX XXXX for collection. They reported on my credit report that I owed {$5700.00}. On XX/XX/XXXX, I paid off this balance. Instead of my credit report showing paid, XXXX, XXXX, XXXX XXXX XXXX is now reporting that I still owe over {$1800.00}. When I contacted them, the Rep claimed that the balance owed is interest that they charged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I was preapproved for a mortgage loan with PennyMac. Initial terms granted me FHA loan 3.5 % deposit for up to $ XXXX financed. When I found my dream home and signed contract, PennyMac changed the terms on my loan twice due to errors they stated in their preapproval process and to accommodate my student loans that were placed in forbearance because of covid-19. I was told that my loan needed to be a conventional loan with a 5 % downpayment. Then, halfway through the process ( 30  days to close ) and after an earnest money deposit was paid, inspection costs, appraisal costs, moving expenses, etc, I was told that my loan terms needed to be modified again. This time to a 20 % down payment and paying off my auto loan. Ten days prior to closing, my loan officer stopped responding to my calls and voicemails. Whereas before I was able to reach him on his direct line and he would respond to my email within 24 hours, I have yet to speak with him again and today is the day before closing. Nine days before closing a voicemail was left stating my rate lock was expiring same day and I would need to pay an additional fee or start the loan process all over again. I contacted my realtor and she was able to get my rate lock extended without additional fees. I called and emailed my loan officer everyday for ten days prior to my closing date on XX/XX/2020. This is my second mortgage loan with PennyMac and the complete neglect and lack of professionalism and attention I received throughout this second mortgage process was negligent. I was supposed to close on my mortgage at XXXX on XX/XX/2020 and was told they needed to work on my loan the day before. An extension was granted until XX/XX/2020. On XX/XX/2020, I received a call from XXXX XXXX, a processing supervisor, stating that they ran my account several times and were unable to get me approved in the automatic underwriting system. They could not explain why or how I was previously approved and suddenly not. 

I am displaced. I have no home. I sold my home in VA and moved to GA the week of XX/XX/2020 to move into my new home. 

DO not use PennyMac to finance a loan for your home. I have a daughter who has been uprooted and displaced with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have called Trans-union multiple times to fix the wrong addresses and phone numbers listed on my credit report. The agent tells me to write a letter which i did a year ago, then told me to send in information, I've done that. My bank said it is NOT my responsibility to provide information they should know. This is fraud because i have tried to rectify this issue. 

This is messing up buying a house & credit cards i apply for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
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 my complaint with XXXX  XXXX on line. 

I have not received any information from XXXX  since that time. I have considered filing it via mail but am concerned it will be rejected because it would be the same complaint with the same information and thus considered frivolous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Capital Accounts, LLC
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 noticed a medical charge on my consumer report that I did not recognize so I proceeded with the following : XX/XX/XXXX - Notified the credit bureaus reporting this error via certified mail. ( XXXX  & XXXX  ) XX/XX/XXXX - Sent a notarized letter to the collection agency [ Capital Accounts ] requesting validation or evidence that this debt belonged to me, sent certified mail with a return receipt. 

XX/XX/XXXX - Capital Accounts received my letter. 

XX/XX/XXXX - 12 days after my medical investigation began, XXXX  reported the account as " verified '' on my consumer report. 

XX/XX/XXXX & XX/XX/XXXX - XXXX  reported Capital Accounts as " verified '' on my consumer report. 

Per the Fair Debt Collection Act, during a medical investigation, creditors/collection agencies can not take legal or other action to collect the disputed amount and related charges during the investigation. The creditor or collection agency may not threaten my credit rating, report me as delinquent, or accelerate my debt because I have used my FCBA rights. 

Capital Accounts, XXXX  XXXX, & XXXX  have all violated my rights. Capital Accounts failed to respond to the dispute and as of today, XX/XX/XXXX they still have not responded. Neither XXXX   nor XXXX, has sent verifiable documents as required in the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) supporting this delinquent claim on my report. I requested proof from XXXX  on XX/XX/XXXX and XXXX  on XX/XX/XXXX. Both credit bureaus have failed to provide any evidence. 

The medical account in question, owned by Capital Accounts does not belong to me. I have requested proof and explanation of charges, neither of the ( 3 ) parties have provided it. 

Please remove this account from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Coinbase, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My Coinbase.com account was locked after i sold my Bitcoin at a high point on XX/XX/2020. I kept the money in the XXXX XXXX  so i could rebuy when the prices went down but the next morning XX/XX/2020 my account was locked for no reason at all. I submitted a case immediately and Ive not received any responses. Ive tried to reach out through XXXX  on their support account to no prevail. I have thousands of dollars sitting in my account that I have zero access to. Ive had two factor authentication activated since the creation of my account as well. My case number is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX, XXXX amount of {$7700.00}. I have sent XXXX XXXX, XXXX a debt validation they did not respond. XXXX XXXX, XXXX then took me to court and then voluntary dismissed the case. XXXX XXXX, XXXX is also reporting on my credit reports with XXXX, XXXX  and XXXX.

Company response to consumer: Closed with explanation