BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-18
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My credit score dropped 133 points from XXXX and spoke with Equifax and was unable to to get any answers of why my credit score dropped by so much. then I was hung up on. My XXXX account is at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: U.S. BANCORP
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I lost my job in XX/XX/XXXX, no income until XX/XX/XXXX. Tried to negotiate with lender for a hardship. We have 5products from US Bank. I 've been tossed around the cust reps and when trying to return calls, was having 20 to 25 minute wait times. We get 10 calls a day. I gave up trying to get the help they told us.

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 2019-04-18
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan transfer date XX/XX/XXXX Loan balance at transfer was {$2200.00} escrow bal was {$1800.00} This is mrcooper previous Nationstar Mortgage # 1 requested a payoff amount. The quote was expired the day before I received it. Still charged {$30.00} for quote # 2 I was told they ( by law ) could not make any payments from escrow account for 60 days from the time they took over the loan. I informed them that my taxes were going to be late so I would pay them that day XX/XX/XXXX. I was told to send my receipt showing that I paid to XXXX which I did. Just moments after I sent the receipt they showed a disbursement from my escrow of {$1300.00} with a balance of {$570.00} and this was the same day I was told by law they could not do this. 
# 3 On XX/XX/XXXX I tried to make a payment of {$2200.00} but the website would only let me make a total payment of {$2100.00} after which they took the better part of the remaining escrow and was notified the loan was paid off and all remaining funds would be refunded within 30 days. I called the county tax collector and they send their payment back on XX/XX/XXXX but now I am expected to wait ( at least ) 60 days for my refund per mrcooper.I have talked to a number of mrcooper reps and seem to get a different story from each. The issue is simple why tell me from more than one person that by law they could not disperse any funds from escrow account for 60 days of obtaining my loan and the day I send them a receipt they decide to send the funds also?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited my stimulus check from the gov of {$1200.00} to Capital One Bank ATM machine in XXXX XXXX XXXX, XXXX, NY XXXX around XXXX. I went home and immediately went on a chat with an agent on capital one requesting to have some of the funds available to me since I physically deposited the check. He released some funds to me and even helped me get my {$35.00} overdraft fee back. {$1000.00} of my {$1200.00} was available and everything looked okay. I woke up today and the deposit is not showing on my account. I was charged 3 overdraft fees for transactions I made right after I had some funds released to me from the cap one representative. I couldnt even had made those transactions without the funds being released since I was negative before that. I wake up the next day and my direct deposit from work is in my account but the check deposit disappeared. Its not visible in any sort of way. I contacted the bank via chat and asked whats happening. They said they do not see my check deposit. This makes NO sense since i made transactions yesterday and she even got in contact with the rep i spoke to yesterday immediately after the deposit. They agreed to refund my three {$35.00} overdraft fees from overnight. My {$1200.00} check they can not locate and confirm for some reason. The physical check must still be sitting in the ATM machine and I did not get a confirmation to prove it but its physically in there. Rep told me that this has to go to claims. I am outraged since I am now missing {$1200.00}. I had a lot of things scheduled for today. I was told to call claims dept. They too can not see the check on the back end apparently and will not release my funds to me. This is not something that I did but the bank messed up and can not trace my deposit yet the physical check is already in the ATM machine. They can check the cctv camera around XXXX to see that I deposited the check. They are holding my {$1200.00} in an ATM and wasting my time calling the bank and claims and chatting with different representatives only to be told that they can not trace is and an investigation will open. I just want my funds while they do their investigation since I am SURE i deposited my check. How can I trust my bank after this mishap. I dont even have a picture of the check nor can I contact IRS asking them to confirm with Capital One in regards to my check. This seems VERY suspicious and unfair as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
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 in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX XXXX {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 been trying for months to get this company to remove it's inquire from my credit report. I did not request a credit card from them, they refuse to submit documentation of proof of an application from me, despite numerous letters sent asking for this proof so that it can be review. I have put alerts on my credit reports since the breach. I want proof from this company that an application was submitted to them, if so then I can use it as proof that my information has been compromised.

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 2020-11-06
Company: BOK FINANCIAL CORP
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX and todays date is XXXX2020. I have a mortgage with Bank of Oklahoma. The loan number is XXXX. I went to the bank to pay off the remaining balance. They said they could not give me a balance and I would have to call their automated system and wait for a total to be given in a week. This seems wrong because they are able to collect interest for another week. Are they required to give me the amount and let me pay it off immediately during normal banking hours? Should I have to wait a week?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: Sterling Infosystems Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I had a suspension lifted off of my Dmv records including a point taken off after completing XXXX school and it wasnt accurately noted on the background check when ran. Please re run to see correction has been made as of XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Receivable Management Group, Inc. (GA)
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Receivable Management Group has refused to validate the debt that they have stated that I owe. I deny that this is my debt and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my knowledge and I have no contractual agreement with Receivable Management Group. The lack of validation of any debt owed to them is in violation of 15 USC 1692 Sec.809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, Receivable Management Group is practicing UNJUST ENRICHMENT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent Afni Inc 2 letters and tracked both. They both were received by Afni, however they have never responded. 

First letter was sent in XXXX XXXX and the 2nd was sent in XXXX XXXX. I have the tracking information and copies of both letters. 


Afni Inc XXXX XXXX XXXX XXXX, IL XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: I.C. System, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I. C. System, Inc. called a number, asked if I was XXXX XXXX. Asked if I receive mail at XXXX XXXX XXXX in XXXX CO, I said yes. I could be anyone. They read me a " mini-miranda '' and proceeded to reveal personal information about the debtor to the caller about my private and confidential business matter with XXXX. At no point during the call did I.C. System attempt to get me to identify myself with the last 4 of my social security number, my address etc. They only asked if I was " so-and-so '' and if my address was " so-and-so '' and proceeded to release my personal information to a random party. This is a vulgar violation of the FDCPA.

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 2021-05-06
Company: Synovus Bank
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 sick with XXXX and in the hospital and barely made it. I have requested for them to remove my 30 day late and they have ignored me. I have sent them a letter and they have not alleviated the situation. This company has no way of making a payment online easily. The payment system is basically created for you to have to pay fees to get anything done. Check their website to see. I am in a tough situation because I can not cancel the card because it is my oldest tradeline. Can anyone help?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: Resurgent Capital Services L.P.
State: VA
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 XXXX XXXX is showing i owe them {$1500.00}. this account is not my account. I have Ask XXXX to provide the sign contract agreement that i supposed to sign. They wasnt able to provide proof of contract. I need this accound removed from my credit account. 

Date XX/XX/2014 XX/XX/2014

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: Pendrick Capital Partners Holding, LLC
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Two collections were owed and were being collected by XXXX XXXX XXXX   XXXX XXXX XXXX XXXX PA XXXX, ( XXXX ) XXXX, ext XXXX XXXX XXXX. The first collection was for {$960.00} and the second was {$650.00} both owed to XXXX Texas XXXX XXXX. XXXX XXXX XXXX was handling this collection for Pendrick Capital. An agreement was reached with XXXX Representative, XXXX XXXX for payment of 60 % of the debt in the amount of {$970.00} and it was agreed that it would be deleted from my credit report. The amount of {$970.00} was paid on XX/XX/2019. 

On XXXX XXXX, 2019 I received a collection notice from XXXX XXXX XXXX in XXXX IN in the amount of {$650.00} owed to XXXX TX XXXX XXXX. Again this collection agency was handling the collection for Pendrick Capital. This is the same debt that I already paid through XXXX XXXX. It is apparent that XXXX XXXX has a habit of these kinds of practices because they have many complaints through CFPB and through the XXXX for the same kind of stuff. 

Now XXXX XXXX is threatening my credit if this isnt paid and is causing me the burden of providing proof that this debt has been paid. When is someone going to stop these bottom feeders from doing this to people? To begin with I am a! 00 % service connected XXXX XXXX. My medical bills are paid by the VA at no cost to me. The original creditor just didnt want to do the work to collect from the VA so they wrote the debt off and the bottom feeders at Pendrick Capital picked it up to start their shady collection practices. I should have had to pay this debt at all but I wanted to maintain my credit so I nbegotiated a settlement I could live with. What I cant live with is Pendrick Capital continuing to try and get paid more than once for these debts and using multiple collection agencies to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XX/XX/XXXX I entered into a payment plam agreement with Old Navy. I was told that, after completing the plan, I would still be able to use my Old Navy credit card. This was during the the time period where consumers were getting grace due to COVID. I successfully completed my payment plan. In XX/XX/XXXX, I tried to make a {$70.00} purchase and was declined. When the cashier looked into the reason for this, she was told that my card was closed and I would have to reapply. I should not have to reapply for a card for which I had fulfilled a payment agreement.

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 2021-05-06
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have applied for a mortgage modification because I have fallen behind on my payments due to my wife and I losing our jobs. I have since been able to make my payments but I can not catch them up. I can not afford payment arrangements because the mortgage servicer Mr. Cooper will not spread them out over a long enough period of time. 5 months ago I applied for the modification and provided all required documents at that time. The underwriter did not read all of the documents provided and requested the same documents over again with no explanation as to what was wrong with what was provided. In late XXXX I spoke to their customer service agent whom went over the documents I provided with me and stated all required documents where there. The underwriter reissued the same request for documents in XXXX. I called and spoke to the customer service representative again and they stated they saw that the documents were uploaded. Meanwhile I have been making monthly payments keeping the mortgage from going 90 days delinquent. This continued through XXXX when on the XXXX I went and uploaded all new documents for review and went over such documents with customer service. There has been no review of those documents and a month has now elapsed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: Experian Information Solutions Inc.
State: NJ
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 DID NOT AUTHORIZE THOSE INQUIRIES ON MY CREDIT REPORT. PLEASE HAVE THEM REMOVED OFF MY FILE.

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 2018-07-16
Company: Freedom Mortgage Company
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
to whom it may concern : last year at this time my mortgage company Freedom mortage increase my mortgage about 800.00 a month with no explanation!! I submitted thru your organization last year a complaint. freedom mortgage didn't really give a viable explanation as to why they increased it but they did lower it back to what it was. NOW!! a year later they are doing it again! telling me I owe them roughly 700.00 additional payment per, and when I call them they initially agree that something is wrong, but as usual they say pay it!, so I called my city tax office they said my taxes are payed in full. I told Freedom mortgage again that my taxes are about XXXX a year. they said I have to pay an additional amount of roughly 4500, I ask him to email me those documents that say I owe roughly 9000 a year in taxes, he said he would, but am still waiting. my case file number : XXXX XXXX XXXX XXXX XXXX asst vice pres customer service wrote my last responce

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 2020-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
In XXXX of 2019 I opened up a credit card with Capital One. 

The first thing we noticed is when you went online to complete the account setup. It tossed an error saying OOPS we hit a snag.. please try again later. I tried a few times through the month with no help. 

In XXXX my bill was due, and I tried to pay the bill, and got an OOP we hit a snag try again later. 

I then did a payment from my bank account with XXXX to Capital one and it was returned saying it could not be processed. 

I then called Capital one, and they tried to do it over the phone, and got an error also. 

They then transferred me to the back office, and a girl took a VISA Debit payment. And transferred me to tech support. 

Tech support could not fix the issue, and opened up an escalation. 

In XXXX we had the same issue, and we escalated again. 

In XXXX same issue,. I am now 30 days behind as the girl in collections tried to set up an auto payment and also got an error and said try calling back in 24 hours. 

We then managed to get a payment processed again via the back office using a VISA Debit payment. 

But they then flagged me on my credit bureau for being 30 days late, hit me with 2 late fees and a payment processing fee of {$7.00} I then called to complain saying that, its not my fault you guys can not set up auto pay, I can not pay via my bank account and you then need to go to back office to do a one time payment. 

She said we can not credit you back as you do have the option of calling and getting escalated to have a one time payment done. 

My argument is, I should not need to spend 3 hours a month on hold then transferred around for another hour just to be able to pay my credit card. 

They wont fix the report to credit nor credit me back the late fee, nor the processing fee. 

Once again I was escalated to tech support who could not fix the issue. 

A quick search online shows numerous people complaining about the same problem, they try and pay and get oops we hit a snag. 

Screen Shot 1 says I am 2 months behind.. No I am one month behind as they can't process the payment but want the next payment in Advance. 

Screen shot 2 is trying to make a payment Screen shot 3 is the error we get when trying to pay.

Company response to consumer: Closed with explanation