BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
I disputed a charge on my CapitalOne credit card, because I receive damaged goods from XXXX. Merchant was XXXX. Capital one - first, give me money back, but about 3 days ago they reverse this money without any notice. Terrible customer service .... lazy dispute team

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Carter Young Inc has been reporting a debt of {$100.00} to the credit bureaus ( incorrectly listing XX/XX/XXXX are the opened date ), and I contacted them and requested notification and verification of the amount they are attempting to collect. I had not been previously notified of a debt in this amount. I received 2 emails ( XXXX XX/XX/XXXX, and XX/XX/XXXX ) from the person listed below : XXXX XXXX XXXX Carter-Young , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX The emails do not have any documentation related to the amount they are reporting to the credit bureaus. There is no billing statement attached. I have not received anything else from them. 

On my credit reports, Carter-Young Inc. is reporting a. " Opened '' date of XX/XX/XXXX, but the first of 2 emails what I received from them ( which do not list any billing information ) is dated XX/XX/XXXX. How can they report that a debt has not been paid, when they never notified the person they are trying to collect from? They are damaging my credit score immensely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
.On XX/XX/XXXX of this year, I contacted CapitalOne to find out how they are applying my payments to the 0 % balance transfers that I currently have. 
XXXX ( on XX/XX/XXXX no last name supplied ) and a XXXX ( on XX/XX/XXXX refused to give a last name ), both told me that most of the monies from the payments I made were applied to the 0 % that were due the soonest ( and were the oldest ). 
Yet as I looked over the last 6 statements, I saw that it was not occurring. 
And to complicate matters, CapitalOne admits to, and says corrected, a glich in their balance transfer system. I transferred {$2600.00} on XX/XX/XXXX as a 0 % transfer for 18 months, 3 % fee. Yet their software changed it to 25 % interest, no fee, on {$2600.00}. 
That has been corrected. 
BUT the big problem is that once the {$2600.00} was changed to 0 % ( with 3 % fees applied due XX/XX/XXXX ), all the monies that I sent to CapitalOne were now being applied to the {$2600.00}, not the {$4400.00} that was due to lose 0 % in XX/XX/XXXX. 
For the XXXX statement the amount was {$4400.00}, for XXXX the amount was {$4400.00} and then for XXXX the amount was {$4200.00}. 
Yet the 0 % due XX/XX/XXXX was now at {$950.00}. 
And the 0 % due XX/XX/XXXX is at {$3400.00} I budgeted out every 0 % balance transfer I made, yet the largest and soonest due was not applied the correct funds. 
And they refuse to rectify this problem. And I will have to come up with over {$3000.00} to keep from paying 25 % interest on the original amount of {$5000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01
Company: Better Mortgage, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have refinanced our home on XX/XX/XXXX with " Better.com '' mortgage company. 
The mortgage terms include escrow for property taxes and insurance. 
They ( Better.com ) have serviced the mortgage with their servicing company called " XXXX XXXX XXXX ''. 
I was notified by Better.com that they have transferred my loan to a new mortgage company on XX/XX/XXXX. 
The new mortgage company is called " XXXX ''. 
The last payment to Better mortgage was automatically taken by " Better.com '' from my XXXX checking account on XX/XX/XXXX. 
I have received a letter from our town that the property taxes that were due on XXXX XXXX  were not received by them and that I am delinquent and that interest has started to accrue on the account. 
I called both mortgage servicing companies - the old one ( better.com ), and the new one XXXX XXXX XXXX. 
Better.com say that the it was the new company 's responsibility to pay the taxes, and they can't do anything about it. 
XXXX say that it was the previous company 's responsibility and that they can not do anything about it. 
I spent hors with them on the phone today, mostly waiting to be transferred to different departments. 
I can't understand how one company sells the loan to another, and both claim not to be responsible for the escrow payment to the town. 
Please help me, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: Ocwen Financial Corporation
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:
My credit report contains an mortgage account from Ocwen / XXXX XXXX  which I have contacted Ocwen and they confirmed is NOT mine. However, they will not inform the credit agency of this, despite me escalating and providing them the information. 

I have also contacted the credit agencies multiple times on this, and it continues to remain on my account, without explanation or evidence that the account belongs to me. 

This is extremely upsetting and frustrating. This is inhibiting my ability to purchase a home. 

Thank you for all your help.

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 2019-02-10
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a loan that is being serviced by Ditech Mortgage, loan # XXXX. I've been trying to resolve an issue I found since XX/XX/2018 to no avail. A reallocation occurred in my account where {$9000.00} was debited from my principal, {$3200.00} from interest and {$2900.00} from escrow. I do not see any reason why this occurred. I need an explanation of this reallocation that I do not agree with. I always pay additional towards my principal to pay down my loan. I've been given the roundabout to no understanding of what they did. Please kindly assist me in this situation. I have my home under contract for sale and need to resolve so I am paid in full all the money I have put into my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XX/XX/18 On reviewing my checking account I noticed a check had been altered from {$230.00} to {$1200.00}. Reported the discrepancy to Citizen '' s bank immediately! They started a claim # XXXX. Despite numerous followups I have been unable to resolve the difference. The claim # was subsequently changed to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
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: Their investigation did not fix an error on your report

Complaint:
I have filed multiple complaints since 2017 regarding theft and fraud. According to the Fair Credit Reporting Act ( FCRA ), a national consumer credit reporting agencys role in the dispute process is to review the accuracy and completeness of any disputed item WHICH MAY INCLUDE, BUT NOT NECESSARILY, contacting the furnisher of the information. However, I only receive " feel good form letter '' that don't accomplish anything. See last two replies from XXXX  and Transunion. I have filed affidavits and sheriff 's report. XXXX and Transunion send information and complaints to the furnsihers who in turn deny everything without investigating. I have sent information time and time again and then when I call they don't know what I am talking about.

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 2019-02-11
Company: PNC Bank N.A.
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
On XXXX XXXX2018 I received an email from a person named XXXX XXXX stating that they wanted to buy two party dresses I had for sale on a website called XXXX. I was asked how much money I wanted for the two dresses and gave the amount of {$130.00}. I was also asked for my name and my address to send a check to. I was told that I could be met in person in a public place for these items to be picked up. After this, I had not heard from this person except for multiple excuses for why this item was not purchased and why the check was not sent out. On XX/XX/, 2018 I received  a check in the mail from an XXXX XXXX from XXXX XXXX, Kentucky. The cashier 's check was made out to my name, but the check came from XXXX XXXX for XXXX. The check is coming out of an account from PNC Bank in Illinois, This was a lot more than the {$130.00} I asked for. When I emailed XXXX to tell him I received the check, he told me movers would be coming for this item and I would be paying for them to come move these items. They wanted {$500.00} in XXXX gift cards. At this time, my bank- XXXX XXXX told me the check was fraudulent because there was no such person and no account from PNC Bank XXXX and bounced in my bank account. As a result, my bank account is closed until I can make a payment. Since I can not make any payments on my checking account and credit cards, my credit card minimum payments have skyrocketed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INQUIRIES ON MY FILE. THESE INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE INQUIRIES. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE FOR THESE INQUIRIES TO BE REMOVED OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, 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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Therefore these items must be deleted immediately. 
The FTC report ID number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Navient and XXXX XXXX have ruined my life, my credit everything. I cant afford XXXX/ month in payments to them. Ive deferred them for as long as I possibly could but all that did was destroy my credit. Now everything major I have to purchase such as a car or applying for a mortgage Im either flat out rejected or need a co-signer. These companies are predators whove ruined countless lives. Ive argued with them countless times, Ive filed complaints with the XXXX XXXX XXXX, and the Attorney Generals office for their harassment. They call at all hours ( XXXX XXXX  and XXXX XXXX EST ) on phone numbers they werent given, and call every day included Sundays. Ive attempted everything I could think of a part of taking out a personal loan to pay them off. I can not refinance my loans becauase I did not graduate because it got too expensive to finish, therefore I do not qualify for refinancing. This system is flawed and wrong and needs to be stopped. They are the cause for a bulk of my XXXX XXXX  issues because of how relentless and XXXX XXXX they are. Ive asked to speak with supervisors and managers and was laughed at and told it wont matter youre still XXXX. Ive asked them how it feels to have XXXX  on their hands because of the crippling debt they cause young people, some of whom I know have actually ended their life because of the amount of debt they are in. They did not care and seemed to think they played no role in the amounting debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I've submitted several disputes regarding Bankruptcies appearing on my credit report that was not filed. I've been provided a letter from the three credit bureau 's source stating those bankruptcies was investigated and removed in XX/XX/2017. Attached is a copy of XXXX XXXX records showing they were removed

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 2018-02-20
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Around XX/XX/XXXX! My account has been closed! Because my girlfriend write me a check about {$10000.00}! Befor I deposit I did not tell her! I m gon na deposit right now! I think. Bank call her said do you wirte check for anyone deposit! She said no! We are missed communication! So bank reject my deposit! And my bank had closed by chase! On XX/XX/XXXX I try to reopen a new account at chase! After 2 days my account been closed! I really like chase bank I wan na know how can I reopen!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-07
Company: DISCOVER BANK
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have several outstanding 0 % promotional balances with Discover Card, they sent me an offer for a 3.99 % offer that lasts for 15 months. When I made a payment to pay off a 0 % balance transfer that was expiring they applied the payment to the 3.99 % balance transfer instead of the the expiring 0 % offer and converted the expiring 0 % balance to a puchase which they charged 14.99 % interest on. When I spoke with them they stated it is in the terms and conditions and it was spelled out in the balance transfer offer on how payments are applied and they would not change anything. I asked which section of the terms and the conditions it was spelled out and the representative said he did not know. He finally agreed to mail me a copy of the terms and conditions. He refused to provide it electronically even though that is how I accepted the offer. This balance transfer offer was misleading and deceptive in that it was not clear that accepting a low interest balance transfer was going to cause a balance to convert to a purchase and incur higher interest rates

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XX.XX.2017 A wire transfer was made in the amount of {$20000.00} based on a fraudulent email received by our accounting department. Please see attached email chain.

We contacted Santander within 30 minutes of making the transfer and spoke with a rep whose name we have, who assured us that he would inform XXXX XXXX to stop the transfer. Later that day, our VP contacted the fraud department of Santander and they also assured him that a reverse action would be taken. Two days later, I contacted the supervisor of the wire transfer department and she told me that she generated a fraud claim # XXXX. As of today, no one a

t Santander knows where the money is. I filed a police report and sent a copy to Santander.

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 2019-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I have reached out to XXXX and Transunion in regards to the numerous inquiries that's appearing on my credit report.I let them know that I was a victim of their inquiry issue. They have neglected to remove them as well as bankruptcy and a collection account that does NOT belong to me. They have said it came back as verified and I requested them to provide me who verified the accounts. They have failed to do that as well. XXXX has abided by the law and deleted said accounts and stated they were unverifiable. I am trying to understand how one bureau can not verify accounts and another bureau who will not provide proof of verification can. I also provided documentation from the U.S. BANKRUPTCY COURT whom in which they said furnished the information stating their accusations are false. To my understanding the accounts must be verified by the alleged FURNISHER. Any automated response or e-Oscar verification is unacceptable.

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 2020-05-07
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Ongoing problem with Target Credit Card and and TD Bank USA. I've had this payment set up on automatic payments for the last couple of years. The first problem occurred when they changed the minimum amount due and the payment fell slightly below the minimum. This time, the automatic payment failed to execute at XXXX XXXX 's BillPay for whatever reason. 

This credit account has been an ongoing problem due to a scam perpetrated by the creditor to collect additional fees by not properly applying credits to the account and changing the minimum due to be a moving target. Here is what they fraudulently charged me : XX/XX/XXXX {$38.00} XX/XX/XXXX {$38.00} XX/XX/XXXX {$28.00} XX/XX/XXXX {$28.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-29
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:
The following personal information does not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MO XXXX Inquiries : XXXX. XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Experian Information Solutions 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:
I have already submitted a report to you a month ago and they did not remove the information that was used through some opening account using my information. 
XXXX did remove items off my report Experian only removed I item and still kept 2 on my report and XXXX are horrible they did not up date anything and I still have XXXX inquiries and account that I didn't open

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