BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a debt collector on my credit report representing Capital One. I have not ever seen this account and have been disputing this charge for over 5 years. When I did call to find out what the issue is I was transferred many times and then told I would have to wait for something to be mailed to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I believe that HSBC lowered my credit line. They have not issued any letter or calls stating this. They have the absolute worst online site. You cant see your limit except for the last statement which show {$2500.00}. So I was buying something small and last I knew had XXXX or more available and I was declined. I looked at my statements and my credit score hasnt change much in fact has got better. Ive never missed a payment. What they are doing is Wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: Experian Information Solutions Inc.
State: WA
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:
On XX/XX/XXXX XXXX XXXX XXXX reported to the 3 credit bureau 's a debt in the amount of {$870.00}. On XX/XX/XXXX I called and spoke to a representative who agreed to take a settlement in exchange for deleting the entire account off my personal credit report, they have failed. I have called the bureau 's and XXXX XXXX XXXX   multiple times to no avail.

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 2019-01-31
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XX/XX/XXXX & XXXX XXXX XXXX lies to me stating Navients 3rd party admin Minnesota/XXXX denied my XXXX XXXX XXXX XXXX claim. When I requested the denial documents from Navient they ignored my emails. 
XX/XX/XXXX I received correspondence from Navient stating unlike federal student loans, private student loans are not entitled to discharge in the event that a customer becomes XXXX XXXX. 

XXXX & XXXX I repeatedly requested payment assistance due to me being XXXX with no income and was mislead me into short term payment option, instead of long term solutions. 

XX/XX/XXXX I applied to have co-signer removed and was denied because of financial & credit challenges. 

Navient never notified me of the requirements or my eligibility to release co-signer, when I was repaying on time with perfect credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: Experian Information Solutions Inc.
State: NC
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:
Asking two credit bureaus to check the accuracy of a report chapter XXXX bankruptcy on my credit file. Inaccurate information is being reported. My father and I have the same name. Please verify the account and the accuracy of the information being reported at the local clerks office. Third parties are verifying the information via online and it is not correct

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 2018-06-05
Company: EQUIFAX, INC.
State: WA
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:
On XX/XX/XXXX XXXX XXXX XXXX reported to the 3 credit bureau 's a debt in the amount of {$870.00}. On XX/XX/XXXX I called and spoke to a representative who agreed to take a settlement in exchange for deleting the entire account off my personal credit report, they have failed. I have called the bureau 's and XXXX XXXX XXXX   multiple times to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 been a victim of identity theft.

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 2021-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX # XXXX. I have been in contact with Bank of America, and they submitted initial explanation of my original inquiry, however there are still questions. I have reached out twice to the representative, and left two voicemails, however have not heard back. I understand that since it's XXXX XXXX / XXXX week, communication is a little delayed, however I would like to receive a final response on " other deferred amount '' totaling {$3800.00} pertaining to the Home Modification loan of 2010. My question is, is the deferred amount a fee of the modification loan process, or is this amount corresponding to missed payments? At no time during this time was a payment missed, but rather the payments were purposely withheld by BOA so that I could qualify for the XXXX XXXX loan. Therefore the deferred amount previously mentioned is non-existent. I would like to have clarification on this question. Thank you very much in advance.

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 2020-06-03
Company: LendKey Technologies, Inc.
State: NC
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:
My student ( Loan ID XXXX ) serviced by LendKey Technologies and held by XXXX XXXX XXXX XXXX continues to show on my XXXX credit report as open with an account balance of {$9400.00}. The account was paid in full on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: PHH Mortgage Services Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PHH has effectively kept me from obtaining a loan modification, for which my mortgage loan qualifies. I had always made my mortgage payments on time every month, but when I suffered an unforeseeable job loss, I saw that it was going to be impossible to stay current with my payments. I was given a forbearance agreement which I accepted and started making the payments. Unfortunately, I also had to make payments to the bankruptcy Trustee and it was impossible to keep up with both payments. I had to stop making payments and tried to work with PHH Mortgage to get a loan modification, but they would not work with me since I was in bankruptcy. My delinquency has now grown and I am afraid that I will not be able to get into some sort of workout option. PHH Mortgage has definitely received all of the money I should have paid them as I was put into an interest only loan when I bought my home. I definitely was taken advantage of and would have never taken that loan if I realized what I had signed. PHH Mortgage has never provided me with a single point of contact and they are refusing to work with me. I have never had a loan modification on my loan and I make enough money for a reasonable payment, so I must assume that PHH just wants to take my home away to capture the equity that I have in the home. I am extremely upset and frustrated with PHH as they are sending my loan through the foreclosure process and I need help to keep my home for my wife and children. My financial situation has turned around and I am out of my financial distress. I am hoping that you can look into how they are treating me and help me keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I went through an illness, I have separated from my wife, but I was able to keep my children. I am well now and tried numerous times to work out something with Caliber Home loans to save my house. It has been difficult. 

I have had to file bankruptcy chapter XXXX to stop the sale. I was working on a part time job for many years and now they have decided to hire me full time. I make a good salary now and I am well physically and mentally. My children are all in school and doing well. 

I am willing to pay a good faith payment and trial payments to get an opportunity to save my house from foreclosure auction on XX/XX/ 2018.

I am willing to work with Caliber Home Loans if they will please give ma a chance to prove myself and keep my home I can afford to make the payments and maintain the property. 

Thank You Very Much!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Yes I open this account XX/XX/2008, my card was fraudulent use in another state that thus credit card company, contacted me that my card had fraudlent activity. so capital one closed my account. and i agreed to pay my part where i had made purchased, on this card.and i conitued to pay what i owed. then capital one raised my interest rates. on what i had used my card. i have been paying my account everymonth as i should. last month capital one charge me a annual fee on this closed account. this was just a slap in my face by this company. i seek a attorney. and was told this was agaist the law. this account has made my life and credit upside down, I was told also that i was being charge for a XXXX dollars cash advancement. over 10 years. the capitalone crdit card company has continued to charge my account now for over 10 years. this is ridiculous. can youplease help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-11
Company: EQUIFAX, INC.
State: MD
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 voluntarily gave the XXXX XXXX XXXX ( XXXX ) back their car, which is considered a voluntary repossession. This occurred early 2016. XXXX was supposed to " auction '' the car off, but i was never notified of the sale. But They report a closed $ XXXX Balance on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had an 18 month promotional offer with XXXX for same as cash financing. Apparently, the offer ended on XX/XX/XXXX of which I was not notified by email or mail. I was assessed finance charges in the amount of {$1700.00}. I have paid my account on time during those 18 months. I called to dispute charges however, they said there was nothing they could do and I had no options. I told them I wanted to pay off my balance with the closing of my house on XX/XX/XXXX. They said I would have to pay my balance of {$2900.00} as well as the interest charged of {$1700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: Experian Information Solutions Inc.
State: NY
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 been a victim of identity theft.

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 2018-04-19
Company: CITIBANK, N.A.
State: NY
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:
I CAN NOT RESOLVE THE LAST FEW LATE PAYMENTS ON THE ACCOUNT. I HAD SOME MANY PROBLEMS WITH MY COMPUTER IN XX/XX/XXXX AND MY PAYMENTS WERE GETTING IN LATE AND THE SUGGESTION OF THE SUPERVISOR OF XXXX  XXXX XXXX I HAD MADE A PAYMENT ON THEIR WEB SITE AND I WAS APPLIED LATE AND MY CAR WAS TOWED FOR THE LAST PAYMENT NOT RECIEVED OR RECIEVED LATE. THIS COMPANY HAS TREATED ME VERY POORLY, AND BULLIED ME INTO BELIEVEING I DESERVED TO HAVE MY CAR TOWED AND TO PAY THE TOWING COMPANY A FEE FOR A PAYMENT MADE BUT NOT POSTED IN TO THE ACCOUNT. THIS ERROR WAS ENTIRELY XXXX XXXX FAULT. 
ALL I WOULD LIKE IS TO HAVE THE LATE PAYMENTS REMOVED FROM MY HISTORY. 
I ALSO DONT KNOW WHY THEY WOULD UPDATE MY ACCOUNT IN XX/XX/XXXX AND XX/XX/XXXX, WHEN I HAVE HAD NO PAYMENT OBLIGATION TO XXXX XXXX, AT THIS RATE I WILL NEVER GET RID OF THIS BAGERING COMPANY FROM MY CREDIT REPORTS. 
PLEASE HELP ME IN REMOVING ALL THIS HISTORY FROM THIS COMPANY ... THIS IS MY RIGHT AS A CONSUMER, I HAVE HAD NO FURTHER BUSINESS WITH THIS COMPANY AND THEY STILL HAVE ACCESS TO DESTROY MY CREDIT ...

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 2018-03-26
Company: RoundPoint Mortgage Servicing LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a loan that is serviced by roundpoint mortgage. On XX/XX/XXXX my wife received a call from our insurance agent stating that our loan servicer had not paid our insurance premium, even though it was being escrowed. I immediately called roundpoint. I spent almost 1 hour on hold. The lady I spoke with said they had not received a bill and she would call my insurance agent. I was placed on hold and when she returned she said it had been worked out. On XX/XX/XXXX I received a letter from roundpoint stating that my insurance had expired and I was required to prove I had it or they would buy insurance for me at a higher rate. I looked at my account online and it showed no payment being applied to my insurance, even though it showed my insurance company and due date on the escrow portion of the account page. I again called roundpoint. As I type this, I have been on hold for over 1 hour and 45 minutes.

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 2019-01-31
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
refuses a mortgage because I filed it online claiming " not available for them- so no assistance '' yet company XXXX XXXX in 5 program in XXXX XXXX  area. switched my payment accounts without my authorization by coercion. repeatedly denies me my XXXX income in a reasonable timeframe-income which is verifiable and guaranteed. advertises 2 day early pay- easy home loans ... truth is company is worse than it was before the govt took action. Corporate said this wasnt WF- this was the old WF-apparenly nothing but the same shenanigans bofa has pulled in the past.

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 2021-03-30
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Dear Madam/Sir, CFPB : Please note that the debt collector keeps sending me letters since : XX/XX/XXXX XXXX and I did respond to all this letters, one letter at the time and before 30 days as per federal Laws. Collection agency wants to collect : XXXX, from an unknown credit card that its not mine and does not belongs to me. The last letter I received from the debt collector was on : XX/XX/XXXX. And I answered the letter on : XX/XX/XXXX. I requested one more time the fallowing legal documentation : 1 ) The Original Application when this unknown credit card was opened, with original signature on the application. 2 ) My Lawyers need original copies of all the Statement from the yearsXXXX, and XXXX, as per Federal Laws. 3 ) My lawyers requested copies of, ALL the purchases, charges, done from : XXXX to XXXX, of this unknown credit card. 4 ) As A client I need ALL the bills and/or receives of this unknown credit card. Also on, XX/XX/XXXX. My Lawyers send the debt collector an AFFIDAVIT. I Respectfully request ALL the above legal information. ITS THE LAW. Thank you for your anticipated courtesy and cooperation in this important matter. Respectfully yours : XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
According to XX/XX/XXXX, settlement, the loan # ending in XXXX that Navient claims I have should have been relieved. The school that Navient ( at the time called XXXX XXXX ) is claiming that I had the loan for was a for-profit school ; according to Navient, the loan did take place between XXXX and XXXX, according to Navient, the loan was in delinquency, and I live in the State of Virginia XXXX The schools name is not a requirement in this settlement. Navient was supposed to inform me by XX/XX/XXXX that the loan has been relieved, but no information has been sent to me about loan relief till now. 
Also, nothing has been updated on my credit history to this day. I called Navient multiple times about this issue, but the people who answered the phone said they were not allowed to discuss it. I guess the fraud and deception of Navient continue. They need to update my credit history in which they should report that the loan has been relieved or should remove the loan # ending in XXXX from my credit history. Otherwise, I am calling all the XXXX state attorney generals and informing them about the fraud and deception that Navient continues. They need to do this as soon as possible and send me loan relief information through this website.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: EOS Holdings, Inc.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Back in XX/XX/XXXX I noticed a collection on my credit report by XXXX XXXX for a debt owed to XXXX in XX/XX/XXXX. I had no idea about any debt I owed XXXX. I called XXXX XXXX and they said they could find any information about it and the Representative told me to dispute it. So I did and it was removed from my credit report. 

Fast Forward to today. I find another collection on my credit report but this time from EOS CCA. Same amount and from XXXX. For the record, I never received any correspondence notifying me of the debt from EOS CCA. So I called EOS CCA to explain that I did not owe the debt and had no idea about the debt except that another collection agency reported it on my credit in XX/XX/XXXX and it was removed. They said they did not care and that I either settle or the collection would stay. So I disputed it again with EOS CCA but they told XXXX XXXX that the debt was good. So I called XXXX XXXX and they said they don't actually verify the debt they just ask EOS CCA if it is valid and if they say yes than the collection stays on the report. XXXX XXXX did say if I had any proof that the debt isn't mine than I could submit it. There lies the problem,. I have no clue what this debt is so I have nothing. I tried getting something from XXXX XXXX but to no avail as I give them every piece of information I can but they can't find anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: LEXISNEXIS
State: FL
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:
My driving record has 2 accidents listed because the claim made one was incorrect but im going to get car insurance again and im being penalized for both accidents even though one of the claims wasn't paid out because it was incorrect. I tried solving with the insurance specialist and i keep getting a hotline number for Lexus Nexus and no response. so i call insurance back and they tell me to call this really good company that will fix it. it ends up being lexus nexus again. no option to talk to someone in customer service. does this company actually fix things? been over a week and no response calling multiple times a day NEVER able to get someone on the line, no option to hold for someone, just says thank you someone will get back to you and ends the pre-recorded call.

Company response to consumer: Closed with explanation