BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My account was closed which is a violation of the ECOA. According to the Equal Credit Opportunity Act It is unlawful for a creditor to discriminate against any applicant, with respect to any aspect of a credit transaction -- because the applicant has in good faith exercised any right under this chapter. I exercised my right to dispute and ask CAPITAL ONE for validation of a debt owed and my account was closed as a result. CAPITAL ONE has made it impossible for me to use my consumer open end credit account since by failing to provide me with a replacement card. Also CAPITAL ONE did not provide to me pursuant to ECOA Regulation B ( 12 CFR 1002.9 ( a ) ( 2 ) a statement of SPECIFIC reasons for the adverse action taken; or a disclosure of the my right to a statement of specific reasons within 30 days, if the statement is requested within 60 days of the creditor 's notification. The disclosure suppose to include the name, address, and telephone number of the person or office from which the statement of reasons can be obtained. It was stated that my account was closed because of activity on the account or another account ( I only had one account with CAPTIAL ONE ) that isn't consistent with CAPTIAL ONE expectations of the account usage and violation of the CAPTIAL ONE consumer agreement. If I violated the agreement I was suppose to be provided with the proof of the violation ( s ) and specific reasons, not the vague statement I was given. I do not agree with any actions that CAPITAL ONE took against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me. 

CHAPTER XXXX BANKRUPTCYDISMISSEDXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We have had a very difficult time with PHH to have our short sale reviewed. Our agent has submitted the short sale 3 times and after 30 days PHH has still not placed the short sale in review.

The first excuse was they had to review for a loan modification. PHH took 30 days and they approved us for a Owner occupied loan modification. They problem with that is we moved out 6 months ago, and the property is vacant. This was told to PHH 10 times but they did not seem to under stand. Approving a home owner for a un occupied property with no proof of income seem like mortgage fraud. And it continues.

Now after 30 days of removing the loan modification PHH can not give us an answer to why they simply can not move the file to the short sale department and being the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
My name is XXXX, XXXX in my late XXXX, and trying to fix this has felt like mission impossible. 

XXXX XXXX XXXX, a debt buyer, and the XXXX XXXX XXXX XXXX have been the most difficult task I have ever encountered. 

XXXX desperate. 

I know the CFPB has inroads so please take this nightmare away from me and to them! 

THIS DISPUTE IS REGARDING ORIGINAL LENDER : XXXX XXXX XXXX XXXXXXXX in the amount of {$2600.00}. 

This trade line just appeared on my credit report. I explained it was probably a credit mix up and asked to have it removed. But my request was completely ignored. 

It was never my loan. I never applied for it and never received it. As a matter of fact, I was told that not a single payment was ever made on that note. 

I got an email offer in XXXX via email to settle the amount for {$260.00}. 

I accepted because I was tired of the calls. Every morning, before I got up they were already calling! 

But it should not be that way. The information on there is supposed to be accurate and they have a legal obligation under the Fair Credit Reporting Act 's XXXX XXXX. 

For XXXX months I have tried to have this debt either validated or deleted and Ive achieved neither. 


I mailed XXXX letters via XXXX XXXX AND RETURN RECEIPT to XXXX from XX/XX/XXXX to XX/XX/XXXX. 

XX/XX/XXXX I mailed XXXX, XXXX AND TRANSUNION a letter stating my intent to sue. 

I hope that there is resolution between XXXX and I. 

Enclosed is documentation supporting my request : the letters mailed over the last 26 months ( although they did nothing to help ). 

Please investigate this matter and delete the disputed item as soon as possible. 


Sincerely, XXXX XXXX Enclosures : XX/XX/XXXX Validation Letter mailed via XXXX XXXX RETURN RECEIPT XX/XX/XXXX INVESTIGATION REQUEST # XXXX XX/XX/XXXX XXXX Validation Request explaining why Letter from XXXX did not satisfy XX/XX/XXXX Investigation Request # XXXX XX/XX/XXXX Letter to XXXX XX/XX/XXXX Letter to XXXX XX/XX/XXXX NOTICE WRITTEN & MAILED VIA XXXX WITH EXPLANATION FOR INTENT TO FILE SUIT XX/XX/XXXX XXXX MORE SHOT AT RESOLUTION WITH CFPB

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 2020-12-20
Company: Experian Information Solutions Inc.
State: IN
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: Problem with personal statement of dispute

Complaint:
The date 2020 yr to date. Experance is the score and company that need look for reasons of not updating my info/ score. My score is XXXX on the other two companies reported to. They are not updating my info right like the others.

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 2019-05-16
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We went to closing on XX/XX/XXXX paying off both Navy Federal Credit Union and NFCU attorney/ collection agency XXXX , XXXX , XXXX XXXX XXXX , XXXX . and XXXX XXXX XXXX. NFCU did not give us an payoff from NFCU itself instead NFCU had their attorney/collection agency XXXX , XXXX , XXXX XXXX XXXX , XXXX . send the payoff that was confirmed XX/XX/XXXX by XXXX XXXX was the wrong payoff. After our complaint to your office NFCU and their attorney/collection agency XXXX , XXXX , XXXX XXXX XXXX , XXXX . refused to send the correct payoff and was trying to destroy closing once again with their unethical and unlawful actions so we were advised to payoff full amount under protest. emails will confirm Enclosed are the emails from settlement company making full confirmation both NFCU and Beneficial were paid in full the amounts as Navy Federal Credit Union and NFCU attorney/ collection agency XXXX , XXXX , XXXX XXXX XXXX , XXXXXXXX . and XXXX XXXX XXXX required in their payoff notices/documentation to settlement company. 

We are still receiving harassing calls from NFCU and XXXX XXXX XXXX. NFCU informed us that they have the right to call because NFCU have not received payoff. 

Enclosed are emails XX/XX/XXXX from NFCU attorney/ collection agency XXXX , XXXX , XXXX XXXX XXXX , XXXX . stating on XX/XX/XXXX. Please see emails XX/XX/XXXX of settlement company confirming both wired payoffs for both XXXX XXXX XXXX. 

Both NFCU and XXXX XXXX XXXX are destroying our credit and is refusing to report to all the credit bureaus that both mortgage loans are paid off in full. We want Both XXXX XXXX XXXX to report both loans as payoffs in full and remove all damaging information destroying our credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: Crow Creek Sioux Tribe
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a payday loan then realized the percentage. I got a XXXX loan and have paid 4 payments of XXXX. My loan balance is more now than when I started and I already paid {$1000.00}. I calledvthen and they told me I have 10 months. That's XXXX for a XXXX loan. I can't think of how it would be paid off. When I calledvthen said I had ineterest and daily interest.

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 2020-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have a az pua debit card on XX/XX/2020 I tried to make a atm withdrawal of XXXX $ the atm gave me XXXX and went off line I called the atm company and they told me to call my bofa card service and they can refund the remainder of the money I tried calling the claims dept for 2 weeks before I finally was able to speak to someone at the call center and they told me they have to investigate so yesterday XX/XX/XXXX they put the credit in my account before taking it back and basically saying I lied and tried to fraudulently obtain money CASE NUMBER XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: CITIBANK, N.A.
State: IL
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:
During XXXX and XX/XX/2020 multiple unauthorized purchases were made with my Citi Bank card utilizing XXXX. According to XXXX XXXX customer service these purchases were made online via their website utilizing XXXX as a third party payment service. Citibank card ending in XXXX was charged for {$4900.00} in special order purchases that were picked up at multiple store locations in person as well as delivered to an address that is not mine. Citibank never questioned said charges despite being large amounts that are being shipped to an address not on file with them. I have never utilized this card at XXXX XXXX previously and had a zero balance prior to these purchases. They have requested no further information from me nor had any correspondence aside from the initial dispute. They have somehow determined that I am responsible for these charges despite security failures on their part. I have asked XXXX XXXX to verify the person who picked up said purchases and was told they can not due to not requesting ID verification. CitiBank is refusing to deal with XXXX stating that I must try speaking to them. These purchases were not made by me nor were they authorized. CitiBank has determined I am responsible for said charges but have not provided any evidence as to why. I have included said charges and have print outs from XXXX showing the wrong delivery address and multiple fraudulent charges.

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 monetary relief
Consumer complaint received 2019-06-28
Company: ENCORE CAPITAL GROUP INC.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated phone calls from ( XXXX ) XXXX for a debt the company says I owe. I told the company that I had an attorney representing me, and to stop calling. I tried to provide the company my attorney 's phone number, and they always hang up. 

On XX/XX/2019 I received a call, and attempted to tell them not to call anymore. They hung up before I could explain. 

They called a total of 4 times on that same day. 

Here are more dates and number of times they called each day : XX/XX/2019 called 7 times XX/XX/2019 called 2 times

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12
Company: EQUIFAX, 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: Account information incorrect

Complaint:
These accounts below are not charge off 's. They are paid in full and should be listed as such. This wrong reporting information is causing me a hardship. 

XXXX XXXX XXXX Last reported XX/XX/2019 {$350.00} XXXX XXXX Last reported XX/XX/2019 {$2500.00} XXXX XXXX Last reported XX/XX/2019 {$950.00} XXXX XXXX XXXX Last reported XX/XX/2019 {$430.00} XXXX XXXX Last reported XX/XX/2019 {$220.00} This account below has wrong account balance and is paid up to date. 

XXXX XXXX Last reported XX/XX/2019 {$37000.00} This account below is not mines and i'm disputing. Also you will see this on my account twice. This company never contacted me or allowed me to dispute this debt. 

COLLECTIONS  {$31000.00} Reported balance XXXX XXXX XXXX   {$31000.00} Needs attention

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: Experian Information Solutions Inc.
State: FL
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 was granted forbearance on all late payments on my student loan. I even updated a document outlining the terms of my forbearance from the lender. All late payments were forgiven up until XX/XX/2019. I submitted a dispute with Experian on XX/XX/XXXX. It was marked as completed today, but when i looked at it, absolutely nothing was done on the account. I tried calling multiple times, but i can get no one on the phone to help me with this issue.

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 2020-12-20
Company: EQUIFAX, INC.
State: MO
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:
I submitted a letter to the credit bureaus regarding the inaccurate things on my credit report, it has been over 100 days and I still have not received a response back. I feel like Im ignored and taken advantage of. Section 611 ( a ), states that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand inaccurate reported late payments updated to payed as agreed or I will file litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: Early Warning Services, LLC
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was offered money to put a XXXX decal on my car. The check ( over {$2500.00} ) came in the mail with a list of instructions to do with the money, the first being to text XXXX XXXX. 
XXXX then said to deposit the check and let him know when it cleared I woke up the next day to a text from him saying that the check had cleared and to send two Payments through Zelle for the amount of {$990.00} each to XXXX ( XXXX XXXX ) and the other to XXXX ( XXXX XXXX ). 
So I did what XXXX XXXX said and sent the money on XX/XX/XXXX and it seemed legit. 
He said someone would be at my house to install the Car wrap on Monday XX/XX/XXXX. 
I tried calling XXXX XXXX multiple times and the phone line eventually said that the number was no longer in service. I checked my bank account and the check was put on hold as of XX/XX/XXXX. My account is now negative because of the fraud check so I reached out to XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX in XXXX Wisconsin to ask if they work with the XXXX XXXX XXXX. 
The president of the company is on vacation and wont be able to get back with me until Wednesday XX/XX/XXXX, but the XXXX XXXX told me they currently have an open investigation to find the suspect. 
I called my bank ( XXXX XXXX ) and filed claims but they can not do anything until the situation is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2019 Citi Bank Home Depot XXXX XXXX illegally charged my account 25.99 % interest over a period of about 15 months until I found out on XX/XX/2019. I sent out my 93! demand letter asking for the total amount being charged. and Why? I believer All my purchase on the card was under the promotion of 0 % over the period of 12 months or 6 months. When I purchased. I immediately set up with XXXX  XXXX XXXX on line pay. I set it up 10 equal payment on a 12-month promotion and 5 months equal pay on a 6 months promotion and forgot about. I never received any reminder orwarning regarding the extremely high interest, which according to consumer protection law is illegal! 
I asked the customer service what is my balance that. He gave me {$27000.00}. I immediately ACH the full amount via XXXX XXXX business checking account, XXXX proof attached ). I have never received any response to my XXXX demand letter. According to the law. City Bank Home Depot XXXX owe me triple damage. I have the letter to the City Card I would have to take legal action as soon as the Court opens. But when I learn the CFPB, It want to get this free help first. 
City Bank illegally ACH my account a few times without my knowledge and consent until I find output a stop on it. It looks like all the banks using the same ACH agency steal money from consumers just because it has access via online payments, but its not the permission to let you ACH. My online pay with XXXX  XXXX XXXX is only for reminder of myself to check to pay the bill. I do not give anyone permission to ACH my account. I find out the hard way, Steal from my account, even for some already closed accounts with zero balance being ACH my old {$20.00} to {$25.00} pay-setting I always use but I ve never pay the minimum amount. That was just a reminder so I do not miss my payment. But I must personally examine the accuracy before I pay in Full. I want all illegal interest charged on my account be fully refunded> Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
TD BANK A/C XXXX XXXX COMPLAINT ABOUT TD BANK ACCOUNT 1 ) I HAD RECOLLECTION OF FINDING A SHORT OF ABOUT {$2700.00} ON XX/XX/XXXX XXXX ) I HAD A RECOLLECTION OF ONE TIME HAVING ABOUT {$1500.00} IN XX/XX/XXXX I AM TOLD I HAVE ONLY {$300.00} SO I HAD TO TRANSFER SOME MONEY TO TO CHECKING 3 ) I HAD A CASHERS CHECK RETURN TO MY ACCOUNT AMOUNTING TO {$15000.00} SO WHEN I CHECKED THE BALANCE I HAVE TOTAL BALANCE SAVING AND CHECKING I FOUND OUT SHORT ABOUT {$4000.00} XX/XX/XXXX 4 ) SOME DAY BACK I WAS PUZZLED TOP SEE A SHORT OF {$900.00} 5 ) THE BANK IS NOT WILLING TO SEND ME A ONE YEAR BANK STATEMENT, TO YOUR SURPRISE I GOT A STATEMENT FOR THREE MONTH AND FOUND OUT THERE WAS A SHORTAGE OF ABOUT {$500.00} VERY RECENTLY, AROUND XXXX XX/XX/XXXX TO XX/XX/XXXX XXXX THIS PROVES THE BOOK HAS BEEN COMPROMISED FOR A WHILE AND SOME OF IMPORTANT INFO i HAVE SAVED ON MY DRIVE WAS HACKED AND HAS BEEN COMPROMISED. 
PLEASE CAREFULLY REVIEW MY ACCOUNTS WITH TD BANK, WHICH SHOWS OVER {$11000.00} AND XXXX XXXX SHOWS SHORT OF {$23000.00} IF CAREFULLY RESEARCHED VIA BANK EXPERT STAFF AND TOOLS I BELIEVE THE BALANCE I STOLEN IS WAY MORE THAN STATED HERE SO I KINDLY REQUEST THE COMMISSION TO GET THE BANK TO REFUND BACK MY BALANCE AS SOON AS POSSIBLE AND ALSO REFER TO CIVIL SUIT LAW FIRMS AND LEGAL AID WHO MAY CHALLENGE THOSE BANKS TO REFUND ME THE MONEY FRAUD FROM MY CHECKING AND SAVING ACCOUNT. 
THANKS XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
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: Personal information incorrect

Complaint:
Equifax is reporting wrong address, in spite of telling them NOT to do many times. 

This is the wrong address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: Westlake Services, LLC
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Westlake Portfolio management have listed charge off on a paid debt 100 %. They never contacted me about this debt, Ive tried calling them and they never responded but enter a charge off. I need this debt verified that I owe them with my signature. They never contacted me

Company response to consumer: Closed with explanation