BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-11
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: EQUIFAX, 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:
XXXX XXXX keeps holding me accountable for an account that was opened in my name. I told them that this isn't my loan and someone stole my information to be approved for this vehicle and to get this vehicle. I never attempted to get a vehicle nor made a payment to these people or this account. If there was an arrangement of a payment it was done by the employees trying to force me to pay something on this fraudulent account. they keep insisting I opened this account. I have not. This is illegal. Please provide me with video footage or audio that I, XXXX XXXX came and opened this account. I didn't and it is unfair when I actually want to get a vehicle in my name and get certain things and this account is fraudulent. Every company have insurance when a person defaults on a payment. I am not the person responsible for this account. Yes it was open in my name but I still didn't know about it nor did I open it. Please erase this from my account or I will pursue other actions. I am XXXX and am on fixed income and can not work and refuse to be accountable because someone hacked my information and stole my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We purchased our home in XXXX of XXXX through a conventional 100 % loan for {$240000.00}. I recently sent a letter to our mortgage company requesting to have our Private Mortgage Insurance ( PMI ) cancelled. I received a letter from them saying that our request was denied because our current loan-to-current value ( LTCV ) is not at a ratio of 80 %. I will explain why I feel this is inaccurate : XXXX We have never missed a mortgage payment or been delinquent on a payment in over 13 years at our house. 
XXXX When I called the company today ( XX/XX/XXXX ) I was told that we are at only 93 % LTCV because they are basing that off of an appraisal in XXXX when we refinanced at {$200000.00}. I explained that it should be based off the ORIGINAL loan appraisal of {$240000.00} in XXXX. On top of that I know for a fact that our house is currently valued at over {$310000.00} as we were told by a real estate agent in XXXX when we thought about selling our house, and now real estate values in my area have gone up even more. I was told by our mortgage company that they will " re-open '' our case but we also can pay for a new appraisal to prove that our home is worth more than {$200000.00} but I know this is not necessary if they actually go off of the correct ORIGINAL appraisal of {$240000.00}, let alone going off of current real estate market values.

Our outstanding principal balance currently stands at {$190000.00}. So we are actually at 79 % LTCV which is grounds for us to have a case for having our PMI cancelled.

Our mortgage company is XXXX, and the servicing company is Loancare. 
My complaint is that I feel that our mortgage company is forcing me to have to pay for a new appraisal at my expense in order to have my PMI cancelled which is unfair when the Homeowner 's Protection ACT allows for PMI cancellation once someone has reached 80 % LTCV payoff of the ORIGINAL loan and has great payment history like we have.

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 2023-09-02
Company: Upgrade, Inc.
State: CO
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I applied for a debt consolidation loan through XXXX XXXX with upgrade back in XX/XX/2022. I thought my rate was going to be lower than {$220.00} a month. They have you put in what cards you want paid but I never signed anything. I received an email on XX/XX/XXXX stating my loan was approved. I emailed them and told them I wanted to cancel the loan. I then received and email someone would contact me but did not. I thrn called them on XXXX and was told I could not cancel. This loan is breaking me and cant afford it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
State: PA
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Citibank is still refusing to send me my money after my account was closed. So found out today they are trying to say my account was closed on XXXX XX/XX/XXXX which is very untrue. This is an indication of deceptiveness of this bank. My account was to be closed around the XXXX or XXXX of XX/XX/2022. Then the phone was hung up on me in one instant and I called back. The fourth representative told me about the wrong closing date of account and then she said the system automatically prints out a check and I should have received it XXXX days after account closure. She couldn't tell me if the check had already been printed and mailed. 

Lie after lie, day after day. This company is disgusting as it gets. Day after day trying to get what belongs to you shows how much these people and company are thieves as clear as day. Holding on to other people 's possessions and assets that don't belong to them. 

On on other hand, I see they are giving people money to open accounts. They are probably using all of the money they are freezing in peoples accounts or refusing to refund back to attract others to this scam of a company.

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 2023-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Account with Capitol One - fraudulent charge of XXXX - called capitol one they can't do anything as the charge is pending, even though they deducted the amount from my account. It doesn't matter that I may have other legitimate charges coming thru on my account that will not be honored now. 

I'm supposed to call claims, the recording says the wait time is 10 minutes, it is now 19:11 minutes and adding. 

It makes no sense at all that they can deduct the amount from my account but can't put in a claim as it is " pending ''. Pending should mean that the amount is not deducted from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
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:
XXXX XXXX keeps holding me accountable for an account that was opened in my name. I told them that this isn't my loan and someone stole my information to be approved for this vehicle and to get this vehicle. I never attempted to get a vehicle nor made a payment to these people or this account. If there was an arrangement of a payment it was done by the employees trying to force me to pay something on this fraudulent account. they keep insisting I opened this account. I have not. This is illegal. Please provide me with video footage or audio that I, XXXX XXXX came and opened this account. I didn't and it is unfair when I actually want to get a vehicle in my name and get certain things and this account is fraudulent. Every company have insurance when a person defaults on a payment. I am not the person responsible for this account. Yes it was open in my name but I still didn't know about it nor did I open it. Please erase this from my account or I will pursue other actions. I am XXXX and am on fixed income and can not work and refuse to be accountable because someone hacked my information and stole my identity.

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 2017-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
For last two months, I have made an electronic payment to Capital One on credit card ending in XXXX. Each time, I received an email notifying me the payment was late. I, in turn, checked with my bank only to learn that the electronic payments were submitted and paid timely. When I contacted XXXX about the same, I was to by " XXXX '' that each time, I underpaid the minimum amount due -- {$230.00}. First, XXXX  never informed me about the sudden, substantial minimum payment increase. and second, that it supposedly wavered last month 's late fee. 

Each time I have filed a consumer complaint against Capital One, I have been retaliated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was under a contract with Conn 's - Account # XXXX and made my last payment of {$55.00} on XX/XX/2019. My payment wasn't due until XX/XX/2019 but I paid it off early. On the payment page where I selected to pay the current balance of {$55.00} the website said " Great! your selected option indicicateds you are choosing to pay off your account. '' my account was at a {$0.00} and it said I had a balance of {$2.00} with a late payment due of {$40.00}! I called Conns they said they would have someone to close the account out. It usually takes 72 hours. The 72 hours passed and I called back on XX/XX/19 and nothing had been done to the account. Conns said they would have to create another ticket and it should take 72 hours to complete. The account had not been closed and the current pbalance has gone up to {$11.00} plus a {$48.00} late fee which makes no sense. I have paid Conns 's on time and never been late on a payment for three years. Can someone please help me get this resolved? I don't want it to hit my credit when the final payment of {$55.00} was made a week before the scheduled due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Sent via email to XXXX on XX/XX/2020 at XXXX XXXX, my post discharge monitoring form. I want to make sure that it is processed and also need to confirm what year that I am in for the monitoring period. 

I have attached a copy of the completed form to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio Recovery is attempting to collect on a debt for XXXXXXXX XXXX. XXXX XXXX  informed me that the account was being handled by another company XXXX in which the account was paid. XXXX XXXX updated the paid account to my credit report, but Portfolio Recovery has refused to remove the account and hasnt responded to any of the disputes. Verification can be viewed at XXXX Acct : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: VW Credit
State: TN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Audi financial is a scam! The documents that they are sending I have never seen before. Please provide documents that I have in-fact seen and signed! My signature are not on those documents which explained someone verbally signed my name during XXXX. Next, i will be filing a discrimination suit due to I have someone else who contacted Audi of a different background and their fees were settled. My account was closed and reported paid in full and Audi reopened and reported my account as late after I filed a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged over draft fees for bank fees on the account, said I only got 1 NSF fee returned per year when this wasn't even my fault. Had no idea about bank fees and they should not charge them for fees they put on they account. 

I am putting in dispute claim as well.

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 2020-12-09
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XXXX ordered a quilt from XXXX for {$47.00}. I did not receive the quilt, instead they sent a drapery panel. They will not credit me checking account until I send back the drape I did not oder. I advised I am high risk and do not leave the house. They are holding my money hostage. I opened a billing dispute with Chase Bank and they will not credit my account because I received a drapes. I made a transaction in good faith. I did not receive my merchandise

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I have moved from XXXX XXXX XXXX XXXX and informed Bridgecrest to transfer my title as I can not get tags without it. 

XX/XX/XXXX Called into Bridgecrest to get process on Title Transfer, spoke to agent id XXXX XX/XX/XXXX Emailed XXXX XXXX XXXX XXXX form to BridgeCrest as requested XX/XX/XXXX Called into BridgeCrest, spoke to agent id XXXX, and informed title still not processed XX/XX/XXXX Called into BridgeCrest, spoke to agent id XXXX, and informed title still not processed XX/XX/XXXX Called into BridgeCrest, spoke to agent id XXXX, and informed title still not processed I have bad tags on my vehicle and can be stopped and towed at any moment. They call for payments but have never called to try to resolve this

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian has failed to remove old addresses from my account, even though I've tried to dispute it. They are associated with accounts that I have disputed under Consumer Law US Code Title 15 Chapter 41 Subchapter 3, section 1681a under Part 2 Exclusions, section A ( I ) Experian has failed to remove the address, but XXXX and XXXX have removed them.

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 2020-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Sirs : I am having an ongoing dispute with Bank of America over unpaid school taxes from the escrow account for my mortgage ( Account # XXXX ). I have tried to resolve this with the bank on numerous calls with customer service. I have been put on hold for long periods of time and even been disconnected while hanging on for the representative to return to the call. 
On XX/XX/XXXX I received a notice from my local tax collector that my school taxes for 2020 had not been paid. I then logged onto Bank of America 's website and looked at my transaction and payment history. I saw a transaction dated XX/XX/2020 that showed that they paid XXXX for a tax dispursement. On XX/XX/2020 the correct amount to have been paid would have been XXXX. They paid XXXX, the tax with a penalty which was not correct. Then on XX/XX/2020 there is a transaction for a tax refund for XXXX. Apparantely the bank did not follow up to find out why this tax was returned. I don't know if it was sent to the wrong address and returned or if some other situation was in play. On XX/XX/2020 there is a transaction for Escrow Payment to Customer in the amount of XXXX. No explanation was given to me other than I had over paid my escrow. I believe that my escrow was overpaid because of the returned tax refund. 
After receiving the late notice and talking to the banks customer service, I called my tax collector ( XXXX XXXX ) and asked if he had received any school tax payment from Bank of America. He said that he had not received any payment from the bank and he certainly didn't return anything to the bank. The last day to pay these taxes will be XX/XX/2020. After that the bill will be turned over to XXXX XXXX, PA for collection. 
Customer service at BOA has given me various explantations why they have done nothing wrong even after laying out my problem as I have done in this document. At one point they opened a case file on this issue ( XXXX ). The case manager was XXXX and I was told that she would contact me within the next 48 hours. That was on XX/XX/2020 and I still have not received a call. At this point I have paid the school tax myself with the late penalty. If Bank of Ameirca had paid this tax on time, there would have been no penalty. I am only asking that my late fee of XXXX be compensated back to me by Bank of America. I have paid this mortgage faithfully and on time for over ten years. Bank of America 's customer service is abysmal and totally unresponsive to my needs as a customer. I would greatly appreciate any assistance you could give to resove this matter. 
Sincerely, XXXX 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 monetary relief