BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX calls and refuses to identify themselves. After repeated calls and telling them to remove me from their contact list, they keep calling. I block the number, but they call from a different number every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hello, The bank doesnt have the option to block my card or all my transaction in case my card information is stolen. This is a very concern security issue. Also, customer services is really bad and trying to blame the customer instead of fixing the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Barclay Bank Card retained a law firm XXXX XXXX XXXX who brought action against me in a court with no jurisdiction from a city court we do not reside in. My husband was served papers by a process server who was dressed like law enforcement. When my husband told the server that what he was doing was illegal. The process server became argumentative & my husband told him to leave. The server sat in his car in my driveway for over 5 min on the phone. He then peeled out of my driveway striking & damaging my gate & drove off. This happened on XX/XX/XXXX. My husband filed a Police report with the NY State Police on XX/XX/XXXX. I have wrote & called numerous times to both parties & have been ignored! The process serving Co. Paid {$100.00} for the gate, but the cost is {$300.00} for repairs that we have demanded from both the law firm & Barclay Bank to pay the balance. Plus they have violated the FDCPA of using a process server simulating law enforcement, Sued out of court with no jurisdiction, and have failed to report the alleged debt as disputed with the credit Bureaus that I have disputed many times with both parties.

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 2020-07-27
Company: U.S. BANCORP
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My Husband refinanced his mortgage with Us Bank in XXXX of 2020, in XXXX I reached out to the loan processor to let him know that I was interested in applying for a Mortgage to get a bigger living space, the loan processor sentmy info to a mortgage officer who reached out to me and started the whole process, told me i was pre-approved for XXXX, based on my salary and credit, I gave them all my info they had me pay for an appraisal and an inspection, the closing date was scheduled on XX/XX/XXXX, I got a call on XX/XX/XXXX that I can not get the mortgage because I signed documents saying that my primary residence is my existing address, and I cant get the loan. I reviewed all the documents and my husband is the only borrower that signed as such on the mortgage. I feel as though I am being discriminated against because im XXXX and we shouldn't be successful or have anything. Not to mention the fact that by law they should have sent me a copy of the appraisal I paid for, and to date have not sent it. I applied with another lender who is trying to help me, after I explained the whole thing to them they thought it was outrageous. I feel like they had all the facts and waited till the last minute to XXXX me up. No empathy no remorse nothing treated me like trash.

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 2018-03-21
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was in the process of getting a loan, when the bank told me that my credit report showed that I was late on my mortgage payment. My home was foreclosed on in XX/XX/XXXX and paid off at the sale and with the FHA loan. It is reported as a closed account on my Equifax credit report with a {$0.00} balance owed however they have not entered the date it was closed. ( XX/XX/15 ) which does show on my XX/XX/XXXX credit report. 

I have asked the bank ( XXXX DBA XXXX XXXX now ) and the attorney that handled the foreclosure to report the date to Equifax, both have told me it is the others responsablity to report the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Shellpoint Partners, LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My mortgage on my personal residence is being serviced by Shellpoint Mortgage Servicing. They have incorrectly stated that I have an escrow account for my mortgage. Further, they have incorrectly reported to credit agencies that my XX/XX/XXXX payment was 30 days passed due. All of this has prevented me from getting my mortgage refinanced. I have called them on numerous occasions with regard to the escrow account. They have repeatedly told me that I do not have an escrow account and they have corrected the problem only to find that the next months statements continues to indicate that I have an escrow account. In addition, on Wednesday, XX/XX/XXXX and Thursday, XX/XX/XXXX, per their customer service, the only way to deal with this was to send an email to their loan servicing department with full documentation of their errors requesting that they immediately correct my account and remove the 30 day notice from my credit report. To date, they have done nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Reporting company used your report improperly

Complaint:
I applied for a consumer credit card with Capital One. My application was denied due to " pending litigation. '' There is no indication of any litigation on any of my credit reports from XXXX, XXXX, or XXXX. On Capital One 's denial letter, there is no indication of where they obtained their information of " pending litigation. '' I called Capital One about this matter and asked where they got this information. They would not tell me. I believe this to be a blatant disregard of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I, XXXX XXXX, mortgage holder of loan # XXXX with Phh Mortgage am filing an additional complaint to case # XXXX assigned by FTC. I had filed a previous complaint with above case # on Phh mortgage regarding why a re-issuance has not yet been sent to me of {$6200.00} which was from overage in escrow account when loan was paid in full the second time around. 
XX/XX/2021 i received a escrow account letter from Phh Mortgage showing the accounting of the escrow account which does not make sense to me why they are sending me this letter and not refund again which should still be available since the second payoff of loan is same. 
I tried to contact bank but was sent an e-mail by their attorney XXXX XXXX to cease and decease contact with the bank since the account has been paid in full. 
At this point my first complaint has not been addressed accordingly. This escrow letter sent to me by Phh Mortgage is not sufficient response. From the reading of the letter it appears the bank is trying to state there is all of a sudden no overage in escrow account as prior which is not adding up because there was an overage the first pay-off. I am once again requesting my refund be reissued of {$6200.00} and payoff letter and want reason why it has not yet been resent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: CITIBANK, N.A.
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:
since i found out that I have quite a few fraudulent accounts on my credit report ( under different names and addresses ) i been trying to remove them from my credit report. 
all these accounts aren't mine, they were open under different names and addresses between XXXX to XXXX. 

Account name XXXX Account number XXXX XX/XX/XXXX Account name XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account name XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Show more Account name XXXX XXXX XXXX Account number XXXX XX/XX/XXXX XXXX XXXX XXXX every time i called the XXXX, XXXX and XXXX  credit bureaus, they tell me something different non sense. please help me to sort this out.

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 2018-07-27
Company: Dynamic Recovery Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted regarding a debt that was settled over 10 years ago. The company refuses to provide information regarding this debt. They continue to call before XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-03
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
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:
Good afternoon, I am filing a complaint for 3 consecutive 30 day late payments. 3 different month ranges for each of the credit bureaus reported by Pentagon Federal Credit Union. ( obvious mistake as the months don't even match bureau to bureau ) XXXX : 30 days late XXXX- XXXX XXXX : 30 days late XXXX XXXX:30 days late XXXX XXXX- XXXX ( Credit Report attached Per MyFico ) The circumstance : Every XXXX of the month a payment of XXXX is due ( along with a 5 day grace period ). In XX/XX/XXXX a letter was sent in regards to a missed payment and failure to make a full payment of XXXX. This blindsided us as we had just made a payment on XX/XX/XXXX of XXXX and XX/XX/XXXX of XXXX. That being said we were able to make a payment in full on XX/XX/XXXX of XXXX. We thought everything was fine and there were no issues moving forward with payments. This year ( XXXX ) my growing family began plans to purchase our first home and looking into our credit we had 3 consecutive 30 day late payments reported ( listed above ). I called " Penfed '' and explained that payments were made in ALL of the months in question how could I possibly have 30 day late payments reported. The customer service rep agreed after looking through my file and offered to send a email to the specific department ( dept cant be contacted by phone ) but I would need to consent for Penfed to do a hard inquiry on my file in order for them to see what happened. I did not want to add more damage to my file than what had wrongfully been done. As I mentioned before we are planning on purchasing a home. I told the rep I would rather just dispute this with the credit bureaus and have this removed that way. The rep understood and confirmed she would send a email with regards to this mistake. After disputing there was a response from the bureaus but nothing was deleted. I have been enrolled in auto pay as well as been a customer of " PenFed '' for over 3 years without issues aside from this one. Although I understand mistakes can be made, it is disappointing that this issue has yet to be resolved.

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 2017-11-29
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX, I applied for a Wells Fargo XXXX XXXX Credit Card. I am a customer of the bank for over five years and am in good standing and got a credit score in the top 20 % of the population. 

On XX/XX/XXXX, Wells Fargo closed the account, without notifying me. I eventually found out on the customer portal of Wells Fargo and subsequently filed a complained with CFPB on XX/XX/XXXX. ( CFPB Case # XXXX ). On XX/XX/XXXX XXXX or XXXX XXXX XXXX answered to parts of my complaint on behalf of Wells Fargo thru the CFPB. While many questions remained unanswered, according to Wells Fargo the account was closed " by our Fraud Department due to a possible fraudulent application being submitted. '' It was suggested by Wells Fargo, that I should submit a new application by either of the following three options : 1. You may go online at wellsfargo.com website. 
2. You may apply by phone at XXXX. Agents are available to assist you Monday- Sunday, XXXXXXXX XXXX XXXX XXXX ( XXXX ), ET. 
3. You may apply at your local Wells Fargo Branch, when you are back in the United States. 

On XX/XX/XXXX I did as suggested and opted for ( 1 ) above ( Application # XXXX ). This time the credit was not auto approved. Today, I received a letter dated XX/XX/XXXX but postmarked XX/XX/XXXX in which Wells Fargo informs me, that my application after " careful review '' was denied. The resaon given for the denial was : " This is a duplicate application ; you have already responded to this credit offer '' I am sorry, but this is totally absurd! It was Wells Fargo which cancelled the previous account without ever explaining, why a fraud was suspected or why they would n't inform me of such suspicion. It was Wells Fargo who suggested I should apply again, as the old account could not be reopened. What did I do wrong? What has changed, that I was initially approved and am now rejected?

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 2018-03-22
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
To preface this is about the tenth time this has happened. XXXX XXXX/Navient has mis-allocated my student loan payments, ( again ) making certain loans become past due. I have called them over and over to solve the problem. As a customer, this is extremely frustrating as I have fixed it so many times, yet it still continues to happen. I can not include dates because I get several phone calls/emails a week regarding the matter every time it happens. I also have no idea what actions can be taken by the company because they obviously don't pay attention to this mistake as it has happened over and over and not just for me. This company really needs to have some sort of protection against it. This is just the problem of the week and I seem to have problems all the time with them. This is the worst company I have ever dealt with yet no corrective action has taken place. I would love the single payment they take out of my bank account directly every month to be correctly allocated to each loan that is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Navient has made it nearly impossible for me to pay off my final debt. I have now attempted 3 times in the last month to submit a " final '' payment ( ie. the complete sum of what's left to be owed ), every time I get a message " payment reversal. '' The most recent transaction took 7 before message " payment reversal '' populated. I have called Navient customer service about the issue, and - as reported by other upset customers on this site - they claimed that my band account number was incorrect. This claim is false as each time I have deleted and reentered the bank information, on top of this, I have successfully been able to draw from this bank account with others sites and services other than Navient. I have also called my bank to be sure the issue was not on their end, they reported that my bank account number was in fact correct and fully functional ; the issue must be on Navient 's side. As time passes and Navient does nothing about this issue, interest continues to accrue! What's more, I receive NO notification from Navient when payment is reversed, so I am unaware if/when this issue happens. Navient has made it impossible for me to make any further payments towards my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE:XXXX LVNV FUNDING LLC XXXX LVNV FUNDING LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from  identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-21
Company: EQUIFAX, INC.
State: NY
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 was reduced 133 points due to action taken by XXXX, because a loan payment was over 90 days late. Previously, XXXX had not given me written notice of upcoming or late payments for this loan, and also did not give me any such information when I called them. The loan payments are now current. The loan would never have become overdue if XXXX had given me written notice or provided me with the necessary information any response to my telephone enquiries. 

XXXX claims to be unable to do anything to have the bad mark on my credit removed. 

Equifax, a credit score service, told me that it was possible to get the bad mark on my credit removed, but the bad mark would then be transferred to my son 's credit report ( the loan at issue was for my son 's benefit ). 

I feel that XXXX has been unfair and abusive to me. It is no wonder that XXXX has been sued by your agency. Also, I feel that Equifax has also treated unfairly and unhelpfully. 

Any assistance this agency can provide would be greatly appreciated.

Company response to consumer: Closed with explanation