BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-30
Company: Prime Recovery LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
A collection agent from Prime XXXX called last night to my phone after XXXX. It was XXXX to be exact. I am a XXXX  in a busy ER and not able to speak on my phone. This collector then called the emergency room at XXXX and spoke to a coworker then asked for me. When I did speak to her she threatened wage garnishment on a debt I have no clue about. First of all it was after the time she should legally call. Second of all during a pandemic we are not allowed to take personal calls in an emergency room. The collector should not have contacted me after XXXX and should not be calling an er. I attached the screen shot of the call and time

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-30
Company: EQUIFAX, INC.
State: OH
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 am disputing this information. And seeking reports free from EQUIFAX and XXXX  and XXXX XXXX, because they are also reporting inaccurate information. It's also a violation of my hippa rights .To third parties such as credit karma etc, its preventing me from getting proper housing XXXX, XXXX XXXX OH XXXX, XXXX , TXXXXX, XXXX XXXX NCXXXX, XXXX , TXXXXX XXXX, XXXX XXXX OHXXXX XXXX, XXXX , NC XXXX, XXXX XXXX NCXXXX  XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Never done business with these companies XXXX XXXX XXXX XXXX XXXX # XXXX XXXX listed twice with misspelled name XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
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:
XXXX ; Experian and XXXX  are reporting 90 plus days late on the XXXX/XXXX  account number XXXX. ( Please see page 3 of the attached credit report. ) The date of last activity was in XXXX, 2012. This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please remove this line item from my credit report.

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 2019-06-21
Company: SYNCHRONY FINANCIAL
State: CA
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 a inquiry that I dont recognize at all. 
Under SYNCB. There is no amount. Date that was posted XX/XX/2019. I did not apply or do anything recently.

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 2018-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
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:
Just received a capital one venture card a week ago, promotion was spend {$5000.00} within 3 months and receive miles bonus. I made this card my primary card for all the purchases. Out of {$15000.00} limit {$1200.00} was used within a week ( due to XXXX shopping mostly ). Today got an email that they closed my account because I did not meet their spending expectations. No other reasons, no details. Nothing. I have an excellent credit score, own a house, have a well paid job. Never had an experience like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
ALL " CRA '' CONTINUE TO VIOLATE " FCRA '' SECTION 604,607,609, 611, 614, 615 AND 623 WITH REPORTING SAME ACCOUNTS 3X/ RE-APPERANCE OF INCORRECT DATA INFORMATION AND NOT MY ACCOUNTS : '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX ... REPORTING INACCURATE AND NON- " PERMISSIBLE PURPOSES '' XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
In most recent response to my CFPB complaint about the fact that Capital One misrepresents the federal laws to the customers by making statements that there exist federal regulations that require Capital One to collect citizenship status of consumers applying for a Capital One credit card Capital One claimed the following ( see attached ) : " Federal law requires that at account opening we obtain and maintain information regarding our customers and their accounts and account relationship. '' This statement does not say anything about federal laws requiring Capital One to collect applicants citizenship information. 

Capital one further states : " Capital One must comply with the requirements of the Bank Secrecy Act, including requirements that Capital One gather information about and verify the identity of accountholders and people who are allowed to engage in activity on accounts. '' The Bank Secrecy Act mentioned by Capital One does NOT have any requirements for Capital One to gather citizenship information of its credit card applicants. 

Capital One further states that " If you would like to understand this law further, there is a lot of publicly available information, including information provided by our primary federal regulator, the Treasury Departments Office of the Comptroller of the Currency. You can find additional information on their website at https : //www.occ.treas.gov/topics/compliancebsa/bsa/index-bsa.html. " None of the publicly available information referred to by Capital One, including the internet resource link Capital One provided, has any information about any federal law requiring Capital One to collect citizenship information of its applicants. 

Capital One in its response to my complaint CFPB Case : XXXX continues to provide misleading statements about the federal regulations and misinforms the public that there are federal regulations that require Capital One to collect citizenship status of consumers applying for a credit card to Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
ALL " CRA '' CONTINUE TO VIOLATE " FCRA '' SECTION 604,607,609, 611, 614, 615 AND 623 WITH REPORTING SAME ACCOUNTS 3X/ RE-APPERANCE OF INCORRECT DATA INFORMATION AND NOT MY ACCOUNTS : '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX ... REPORTING INACCURATE AND NON- " PERMISSIBLE PURPOSES '' 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 2020-04-30
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX XXXX XXXX is reporting inaccurate information about the payment history associated with this account on all 3 credit bureaus. The information is inaccurate for the years of XXXX, XXXX, XXXX, and XXXX on all 3 bureaus. This company is in violation of FCRA XXXX in that information must be reported to all bureaus accurately. Clearly they have violated this FCRA623aB. Attached are the inaccurate information reported to each bureau and also a letter that states that this information must be removed due to violation of FCRA623aB.

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 2019-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 tried to resolve these issues with the credit reporting companies and i have had no help and this is stopping me from buying a home. Please see accounts below XXXX account number # XXXX for {$580.00} XXXX XXXX Account XXXX # XXXX for {$0.00}, its a charge off thats not mine XXXX account number # XXXX collection that not mine either

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 2019-06-21
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the date below : XX/XX/2018 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.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
OnXX/XX/ I opened an online IRA certificate of deposit ( 12 month with an APY 2.50 % ) for {$1.00} with Capital One bank and completed an IRA deposit form. I mailed my XXXX disbursement check from XXXX XXXX for {$240000.00} instructing Capital One bank to deposit this check into the new CD as indicated on the IRA form that was attached. 

On XX/XX/XXXX, Capital One received the check and to my dismay they deposited the funds in to a regular savings account at 1 % interest without my knowledge. Even though Capital One had all of my contact information they neglected to advise me of any problems. Also, I never even received any acknowledgment that they even processed my funds - I had to call them. 
On XX/XX/XXXX I contacted their call center and found out that a regular IRA savings was opened. Apparently, they could not add the check to the account that I had opened. I indicated that an adjustment of accrued interest was due and had to escalate the problem to a Manager - XXXX XXXX explaining that I should be compensated for the loss of interest ( 1 % vs 2.50 % ). Several days later, XXXX explained that they can only credit 8 days from XX/XX/XXXX when the funds became available ( {$79.00} )? I believe that I should have been compensated for the loss of interest from the day of deposit which was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am really complaining about the very poor customer service. I inquired about approval for a land swap between myself and a neighbor - my soon to be neighbor is building a house nearby but does not have a spot that has the proper soil composition for a septic tank. My property does have the proper soil composition so we agreed to swap a small portion of the land in order to facilitate his building the septic tank. 
He completed a survey and wrote a description of the swap, I emailed that information to Mr. Cooper on XX/XX/2019. 
I followed up with a phone call and was told I had submitted what was required. I then followed up on XX/XX/XXXX and was told that I needed to submit the information to a different email address. I did that on XX/XX/XXXX. I followed up numerous times both by phone and email between XX/XX/XXXX and XX/XX/XXXX - I never was able to get an answer from anyone other than it was in process and could take 30 business days. I was told if I emailed the research department directly I would receive an update but never did. I called today to follow up and was told that nothing had been done with my request, and now they required {$250.00} and an appraisal to start another 30 business day review. My frustration is that I get different information every time I call, and no-one that will take the time to really answer any questions or that seems to have any desire to actually help resolve the issue. I have done everything that was asked of me as soon as it was asked, and yet they have never responded to me ( all contact has originated by me ), and I get a different answer every time I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: WELLS FARGO & COMPANY
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I purchased a house in XXXX XXXX, NC in XX/XX/2001, when purchased it was not in a flood zone and did not require flood insurance. This year Wells Fargo informed me that FEMA had changed the classification of the zone and I was required to buy Flood Insurance. I argued with them but finally paid {$500.00} for Flood Insurance. 

Wells Fargo proceeded to buy insurance on top of the insurance I purchased and charged my escrow account {$1100.00}. I called and discussed the matter with XXXX on several occasions and their response was for me to have my property rezoned by FEMA. I opened a case with FEMA ( Amendment Project is Created with Project Number = XXXX ) and have not had a response yet. 

In the 18 years I've owned the house I have never had a flood. Recently Hurricane Florence made a direct hit on our house and caused the worse flooding in NC history, but we had NO flood whatsoever. Which indicates to me we are not in a flood zone and I never needed to purchase flood insurance and Wells Fargo had no right to charge me {$1100.00} extra. 

Now I want to pay off my mortgage but see they have added {$1100.00} to my payoff, I have made numerous calls and written letters to no avail. I just spent one hour and nine minutes on the phone with Wells Fargo only to be hung up on. Their only response so far is there is nothing they can do because FEMA changed my rating and I have to have it re-rated. But who knows how long that may take and they say nothing about dropping the {$1100.00} they indiscriminately charged my account.

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 2018-10-02
Company: Vitek Real Estate Industries Group, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
What the agent would state on phone would be different of what he would put in text and email. Eventually had another agent working on file and then refused to put simple things in email. When I was not available by phone and wanted everything in writing. Wanted quote from other lending company had this agent send copy of file and they then took upon their-self to close application. Which XXXX  us up as we were in escrow! then I found out they omitted items that had to be counted, so they gave an approval that was not going to work and we would have lost house anyways. I lost money for inspections and other things told them they need to reimburse for not securing my approval. ( first agent talked to my of it going through underwriting when i found out it never did ) Not only did we lose money we lost house and has had the worst experience that has made it question if we ever want to buy now. Refused to fix the issue and tried to make it look as if i wanted them to close file. I have 61 pages ( that's not all correspondence ) showing the hassle and headache and the problems I pointed out from beginning. I got 5 different closing cost amounts all in one day from two different people. I was not informed of the inspections or other cost until my agent told me. I asked them about the class that is needed and still never received an answer but my agent confirmed I needed it. So many problems with the way they do business. I can keep going. I started talking to agent XX/XX/2018 and decided after all conversation we were ready and proceeded XX/XX/2018 but then everything he said changed. They options that they gave to " correct it '' was not an option and would cost us more. Plus it wouldn't be able to close and they did not follow guidelines and they put wrong information on the disclosures. I received two loan packets and both had different loan amounts and interest rates but both have same date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: LD Holdings Group, LLC
State: WA
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:
Today, on XX/XX/2020, I had my credit pulled without my authorization by the company Loan Depot. My husband and I are attempting a refinance, and we told the loan officer we did not want any hard polls on our credit until we could see the numbers. I was told on the phone that this would not happen. Not 10 minutes after getting off the phone, I got an alert that my credit was pulled by his company. My credit score dropped 3 points do to this unauthorized pull.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29
Company: CIG FINANCIAL LLC
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:
The company said we were late for XXXX but we were not when we tried to fix it with XXXX. XXXX did the investigation came back and it was the same thing I called the company and asked them how can we be late for XXXX when we paid all of XXXX and it was just turning XXXX. I told them that's not e 30 days late. They reported it on my credit and my credit score went down as a result. the company fails to do anything about it. I even talked to a lady and sent her all the information and still nothing they didn't even get back to me it's like they don't care.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair credit Reporting act XXXX the following accounts listed below has violated my rights. 

1. XXXX XXXX XXXX XXXX Account # XXXX 2. XXXX Account # XXXX 3. XXXX XXXX Account XXXX XXXX 4. XXXX Account # XXXX 5. XXXX XXXX Bank Account # XXXX 6. XXXX XXXX  XXXX XXXX Account # XXXX XXXX. XXXX XXXX  XXXX XXXX Account # XXXX 8. XXXX XXXX Bank 15 U.S.C 1681 section 602A states i have the right to privacy 15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written Instructions

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 2020-04-30
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Consumer Affairs representative, On XX/XX/XXXX, my mortgage was sold to a new creditor, XXXX XXXX XXXX- XXXX XXXX XXXX XXXX . Rushmore loan management services LLC was identified as the new servicer of my loan, including collection of my mortgage payment. 
In XX/XX/XXXX, I sent my mortgage payment in the form of a cashier 's check via certified mail to Rushmore. Upon its receipt, it is to be signed for by Rushmore and I, the sender, receives a return receipt. There is also a tracking number ( # XXXX ) on the postage, where I can track the mail to the location. The mail got there XX/XX/XXXX, but they did not pick up the mail until XX/XX/XXXX. The receiver was XXXX XXXX. On XX/XX/XXXX, I received a notice in the mail that my payment was not received. The date of the notice was XX/XX/XXXX. 
On XXXX XXXX, I placed a call to the servicer explaining to them that the mail was there for pick up on XX/XX/XXXX and that XXXX XXXX signed for the mail on XX/XX/XXXX. I was told that they put the payment in the system on XX/XX/XXXX, hence they deemed it late. 
For the XXXX mortgage, I changed my method of payment and sent it through XXXX XXXX as they identified this as an method of payment they accept. I called the following day and spoke to the representative XXXX to make sure they received the payment. I was told he did not see a payment made to the account and if it was sent in, they will enter it in their system later. On the statement due XX/XX/XXXX, I was charged a late fee again and was even reported to the credit bureau. 
I am deeply distressed with the blatant disregard Rushmore has for its consumers. I need them to clear my name with the credit bureau and bring my account to current. Further, I no longer wish to do business with them, as their business practices appear to be unscrupulous and not consumer oriented. 
As a XXXX XXXX, I have lost substantial sleep over the last 60 days. Daily, I am putting my life on the line to instill hope in every XXXX  I come in contact with and to put a smile on their faces whenever possible. I have XXXX, family members, and children that are depending on me. The last thing I should have to worry about is a mortgage servicer that is cheating the American Consumer out of their homes. As an essential part of the workforce, it deeply saddens me that this company takes advantage of its consumers in this way to line their pockets. It is a shame and they should not be in business. 
I anxiously await and anticipate your response.

Company response to consumer: Closed with explanation