BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
There are transactions on my Capital One credit card that I need to dispute. Capital One has disabled it's online tool which allowed it's customers to dispute charges in their online accounts. Instead they are directing their customers to call their 1-800 number instead. For one week I have spent 5 hours on hold everyday trying to get through to someone but no one is answering the phone at Capital One. WHY DID THEY DISABLE THEIR ONLINE TOOL THAT ALLOWS CUSTOMERS TO DISPUTE CHARGES?? Why??? Why did they instruct us to call them instead but then they do not answer their phone? There is no LEGAL justification for this. You can not DENY SERVICE to your customers like this. It is against the law. What will the CFPB do about this??? Capital One is doing this intentionally. What is the point of having laws if corporations coninually are allowed to break the law with no consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2018-08-04
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX my husband and I filed a WI 128 amortization of debts. On XX/XX/XXXX an order was entered by the court that all debts included in this payment plan are satisfied in full. This company has two accounts opened. One in my name and one in my husbands name. Additionally, the account in my name is also serviced by XXXX XXXX Firm in XXXX, Wi and they show it as a outstanding judgement on my court record. I have spoken with Midland as the balances owed are very low so I was just going to pay the extra over what I was ordered to pay. Midland refuses to take money directly from me because of the trustee who was placed on the account for the 128 plan. Since the plan is satisfied the trustee is no longer in this equation. Both debts to this agency/attorney have been satisfied in full but they are not being reported in such a manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had a car loan with XXXX XXXX XXXX and authorized them to debit my my Wells Fargo checking account one a month to pay my premiums. My checking account debited each month with no problems. On XXXX/XXXX/2012 my car was repossessed by XXXX. I reported my vehicle as stolen.The police found out it was repossessed. I called the bank and was told they have not submitted my payments because a letter was sent to me stating that I need to report to the bank to let them know who is authorized to debit my account. I explained I never received such a letter. They said they were putting my payments into a holding account until I reported to the bank as the letter instructed me to do. I explained I never received the letter and could they send me a copy.. They said no. I reported the matter to a bank representative and me some call on my behalf but was unable to get anyone wllling to send me a copy of the letter. 
I made several more attempts to get a copy of this letter and was finally told recently their never existed such a letter. I was deliberately misinformed by Well Fargo Bank.My vehicle was repossessed because XXXX did not receive 2 payments prior to the repossession date XXXX/XXXX/2012. I did not receive any notifications from either XXXX or Wells Fargo bank my account was in jeopardy. My credit was destroyed because of this.

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 2019-09-06
Company: AES/PHEAA
State: OR
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:
In 2016 I filled litigation with my bankruptcy against the student loan companies I owed money too. AES, XXXX, XXXX XXXX, ie, XXXX, ie XXXX, is all the same company I borrowed loans from. When I could not repay, I filed and made an arrangement with XXXX lawyers and my lawyer. XXXX decided to discharge the debts owed to them. XXXX is still trying to Collect said debts and is still Reporting to the credit agencies when this was resolved in 2016. This needs to stop. I have disputed these debts. I also have tried to talk with the companies. Twice, I also have mailed copy of the court documents stating that navient agrees to discharge my debts to all 3 credit companies. XXXX, XXXX XXXX, and XXXX needs to stop reaffirming a debt they agreed to discharge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-04
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX XXXX ran a credit check without my permission. On XX/XX/18 a sales rep named " XXXX '' approached me and offered me cable and internet through XXXX XXXX XXXX. I told him that I was interested as long as they were not going to check my credit. He assured me that they only needed my social security number to make sure that I didn't owe XXXX XXXX XXXX any money. I gave him my information and scbeduled an installation date. The next day I received an alert by email telling me that XXXX XXXX XXXX ran a hard inquire on my credit. I tried contacting XXXX XXXX XXXX and even Equifax, but no one wants to help me. I would like the inquire removed and to have my points back. I would also like you to know how they do their business. They go door to door offering cable and internet and give false information such as promising no credit check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: NAVY FEDERAL CREDIT UNION
State: CA
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 in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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: RentDebt Automated Collections, LLC
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:
I have disputed a fraudulent account. Rent Debt Automated collection through XXXX. I submitted police report utility bill indicating documentation proving this account was open up in my name without consent or knowledge. I contacted the collection agency with my social security number ID police report and utility bill and this company advised they would send me a affidavit to sign which they have failed to send I have been waiting since XX/XX/XXXX for the affidavit. 

This account is incomplete and unverifiable. How do you verify account when I have documentation indicating identity theft what was your method of verification? XXXX  is reporting incomplete and unverifiable information to my credit report which is negativity effecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
When I first diputed the account XXXX XXXX I get the reply that I have no obligation letter towards the debt. And when I disputed the debt with written letter I got the reply from them stating to dispute provide docs ..and again I disputed I got no obligation letter this is confusing unable to understand I have any obligation towards the debt or not

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: ENOVA INTERNATIONAL, INC.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
NC Financial is reporting a past due on my credit report that is not my debt and no one wil remove it. Never signed a note with NC Financial and they have asked me to fax them sensitive personal and financial information that is not proper procedure for a legitimate company. Example would be a faxed copy of the police report and a faxed copy of my bank account number and information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am applying for a grant, the grant entity needs my information to link my account to deposit the grant if successful, PNC refuses to allow this link.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: Bread Financial Holdings, Inc.
State: WA
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:
There is an unknown charge-off on my credit reports. Im requested the verification of the charge-off and the method of verification. COMENITY BANK/XXXX XXXX XXXX XXXX XXXX, 2019 ). For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I PULLED MY CREDIT TO MYSELF FOR THE FIRST TIME AND I HAVE DEROGATORY ITEMS THAT ARE NOT MINE. THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE DELETED. PLESE REMOVE THESE UNKNOWN ACCOUNTS FROM MY NAME. XXXX XXXX {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX AND TRANSUNION HAVE inaccurate information on credit report please let them know that my cra and ftc rights have been violated code protection consumer rights

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 2018-08-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a check from my homeowners insurance for a roof replacement. The check was forwarded to Select Portfolio Servicing , Inc. in XXXX XXXX XXXX, UT for their endorsement. When the check was not returned in a timely manner, I submitted a complaint. The check was received a few days later, however, I received a phone call from SPS stating that the call was an attempt to collect on a debt. I have never been late on my mortgage payment in the 14 years I have owned my home. The caller then stated he was trying to get updated information. I complained to SPS via their ombudsman about the phone call and received a letter ( attached ) that addressed the check, which was handled. As to the communication problem, there was no verification that I was not late on any payment and, further, that I had a payment due XX/XX/XXXX and I should contact the company. Page two ends with the statement that the letter is an attempt to collect on a debt. I feel that SPS is making an attempt to commit fraud and take my house in a foreclosure. Clearly, I am being harassed by them and believe I should begin legal action to protect my property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am reviewing my credit report for errors. It says I have a late payment on a student loan and it is incorrect. The report says 60 days later in XXXX. I dispute this information. I request that it is removed. 

Account Number - XXXX XXXX Account Name - WELLS FARGO EDUCATIO AES/WLLSFRGO Account Condition - Closed Closed Payment - Paid Paid Account Balance {$0.00} {$0.00} Balance Date - XXXX XXXX High Balance - {$5500.00} {$5500.00}

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 2021-04-24
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXX and XXXX reported inaccurate information to experian which they used to decrease my credit score by nearly 40 points. Experience also had me sign yp for boost, then used it against me because they lost the connection to my back. They cited no report of payments while the connection was lost for more than 60 days. But I contacted them within 15 days of notice that the contact loss notification appeared on their website. When I could not reset it according to their instructions I called them to find out if this was a systems breach or scam. They did not fix the connection at the time and I could not fix it until about 10 days ago. By then XXXX  had scammed me and made 3 complaints which lowered my credit score. All in all experience and XXXX XXXX  don't show accurate depictions of my financial life

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 2020-08-21
Company: CITIBANK, N.A.
State: CA
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've got an on going issue with Macy 's that has cost me my financial life and credit worthiness. 

I've had a Macy 's card for over 4 years, and I personally have not used this card myself in a very long time. Mid last year, as I didn't even have this card in my possession, some charges came on that I personally never signed for. 

During this time, not only was my dad in the hospital who I was tending to, there was a FEMA natural disaster and state of emergency declared in my state due to EarthQuake activity. Due to this issue I was not made aware of any payment due and 2 late payments were incurred. 
Which tubbed my perfect credit rating and now my partner and I are left with not being able to qualify a mortgage loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-27
Company: EQUIFAX, INC.
State: ID
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:
Credit Bureaus were unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts XXXX XXXX XXXX - multiple entries on my credit report, XXXX XXXX XXXX - multiple entries on my credit report, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
This is an ongoing dispute with a Mortgage Service company that is intent on foreclosing despite my good faith and will towards this company. We have remained in contact, our income and jobs have changed for much better, we currently have no problem paying either the mortgage or a significant increase for modification, and this provider continues to deny modification and uses inappropriate and deceitful practices to push forward with trying to take my home. Everytime we submit a resolution or documents they wait till the last moment to then say they did not have important signatures or something was not checked or crossed off. We need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: MCCUE MORTGAGE COMPANY, THE
State: RI
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Never received a compromised claim disclosure for {$9800.00} ( VA Home Loan Guarantee ) or sale disclosure form from the mortgage company that occured on XX/XX/XXXX. When I attempted to request all documents pertaining to the short sale ( XX/XX/XXXX ), representative was resistant to my request, telling me that I could not have those documents. Later the mortgage rep called back and stated that I could get email correspondences in relation to the sales transaction. I also was informed that any documentation pertaining to the sale of the house would cost me {$5.00} per page. 

At closing of the sale I did not receive any closing disclosure from the sale or a compromised claim documentation submitted to the VA Home Loan Guarantee.

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 2015-08-19
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX XXXX, NY XXXXEnclosed are the pictures of the basement when or where it was flooded when it was raining. But I used part of the rental money to fix the problem. Now, the property is in good condition, the tenant are very happy to pay the rent and I am extremely happy to start paying the mortgage on a timely basis. 
Please note that I have been retired from my job for the last past 5 years. I do not file the Federal Income tax due to the fact that I do not pay any Tax. Obviously, I received Social Security Benefits of {$1200.00} and an additional retirement fund of $ XXXXThere is also an additional non co-borrower contribution of $ XXXX/month. 
From Social Security Benefit and the retirement the total amount is {$1500.00} and the non-co-borrower contribution is {$690.00}. The total monthly income is $ XXXXCombine the rental income with what I received every month is : {$6100.00} + {$2200.00} ___________The total monthly income is : $ XXXXA loan modification would be beneficial to both of us. It would help me to get back on track and fulfill my obligation to Wells Fargo/The Lender as well as my other obligations. My home means a great deal to me and it is my desire to work with Wells Fargo to keep it out of foreclosure. Please advise me of all options available to avoid or stop foreclosure. I am anxious to reach an agreement and appreciate your assistance in this matter. 
I have sent the Award letter that I received from the Social Security Benefit, the XXXX and XXXX and the non-borrower information. 
If you have any other document you want to request, please feel free to call me at your earlier convenience. 

Cordially, XXXX XXXXXXXXI have sent the Award letter that I received from the Social Security Benefit, the XXXX and XXXX and the non-borrower information. 
If you have any other document you want to request, please feel free to call me at your earlier convenience. 

Cordially, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company was with XXXX and now for the last 3 years it's with Mr Cooper Mortgage Co. Within the last few years they raised my mortgage payment 4 times and they always give the excuse it was due to escrow! 
Can you please look into this for me? 

Thank you, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX

Company response to consumer: Closed with explanation