BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2019 I called the Kohls company and spoke to XXXX, employee ID XXXX. He advised me that even though I could make the full payment and clear the account, the late fee of {$27.00} would not be waived. This fee is assessed immediately despite good past billing, etc.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-09
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX an collection was placed on my credit report from credit collection service for an debt with esurance. The account was PAID In full with the original creditor XXXX prior to the collection being placed on my credit report. I immediately contacted XXXX let them know what happened. A supervisor told me they have records showing an email was sent to credit collection service to pull the account from collections notifying them the account was paid in full. I contacted XXXX XXXX XXXX spoke with a representative explain what happened she told me that once they get the information the account will be updated to paid in full with the collection bureaus. I explain that is false representation because you are now implying that an account that should of never been on my credit report was paid in full implying I paid you credit collection services in full which is not true the original creditor was paid in full and the account needed to be deleted. I requested to speak with a supervisor I spoke to an XXXX XXXX or XXXX I provided the time, date, card # she started they will contact Esurance verify the information and once verified as an courtesy the account will be DELETED. I BELIEVED her and we where on an recorded line so please review the recording. Now it's XX/XX/XXXX and I do understand it can take 30 to 45 days for the account to be deleted but the company has been FLAGGING the account as an collection with the credit bureaus every day. Which is causing me to lose points every day they flag the account they supposed to deleted

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, Wells Fargo sent me a letter saying the following : We want to let you know about a processing error that we found during a review of your account, and we want to share actions we 've taken to address the issue. 

Credit reporting on your account We 've determined that a processing error resulted in an additional month being added to a delinquency that we reported on your account. This may have impacted reporting on your account for XX/XX/XXXX. 

This error is making it hard for me to refinance my mortgage and it has not been changed by Wells Fargo according to the three major credit reporting agencies. 

When I called Wells Fargo in XX/XX/XXXX, they were completely unhelpful, and they said the burden of proof was on me, even though I received a letter from them. I have all the payment information from my bank and the letter from Wells Fargo as proof of their error, and I need this to be rectified ASAP. 

Thank you in advance for your help with this issue.

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 2017-12-03
Company: U.S. BANCORP
State: MO
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:
US Bank is submitting a report to the credit bureaus that my account is under investigation. I have never disputed this account. During a call onXX/XX/XXXX, XXXX, US Bank employee # XXXX, refuses to provide me with account information on my account regarding what is being submitted and reported to the credit bureaus. 

As of XXXX, my balance is {$0.00}. I have not filed any dispute regarding this account. Still, on XX/XX/XXXX, balance reported by US Bank for period ending XXXX is {$54.00} with a comment that the account is under investigation. 

I want this investigation ceased immediately by both US Bank and XXXX. Both state the other company is disputing the account or originated the dispute.

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 2021-04-09
Company: STOCKTON MORTGAGE
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When we received our bill from Stockton Mortgage due onXX/XX/XXXX the amount due increased by {$480.00}. When we contacted the company we were informed that it was due to an escrow shortage based on the amount of taxes owed. Upon further research on our part, it was determined that the mortgage company had accidently paid our taxes twice forXX/XX/XXXX, paying an excess {$4600.00}. The company even after admitting this error, still made us pay the extra {$480.00} for the payment due on XX/XX/XXXX, indicating they could not adjust the payment due until they received the refund from the county. When speaking with the company on XX/XX/XXXX, they indicated it would take 14 days to correct the issue. We contacted the company again on XX/XX/XXXX and no progress had been made and we were told it would take another 14 days. At this point, we asked to speak with management and were told they would call within 24 hours. No call was received, so we called the company back on XX/XX/XXXX. At this point, they indicated that they had received the refund from the county. We were told they would escalate the escrow analysis and have it complete by XX/XX/XXXX. Once again we asked to speak to management and were told we would receive a call back in 24-48 hours but did not. We contacted the company on XX/XX/XXXX and they indicated it had not been completed, but would be complete by XX/XX/XXXX. We contacted the company again on XX/XX/XXXX and were told the analysis still had not been completed. We were told again we would receive a call from management within 2 hours and no call was received and the issue still has not been resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX, I observed I had a negative report on my credit history, reported by XXXX XXXX credit card through a XXXX Credit card. I filed a dispute through XXXX  and a month later, XXXX XXXX  removed the report from my credit history. 

XX/XX/XXXX, I observed Midland Credit Management, had placed the same account in collections and had falsely reported it to my credit report. I contacted Midland via phone and by certified letter, disputing the account. I also explained what XXXX XXXX  had done and how they had erased the report from credit history. I was told that I owed the debt and that they would not remove anything from my credit history. I requested validation of the alleged account, which they advised they would send. 

By XXXX, I had not received anything validating the account, which I again spoke with Midland via phone and they stated they never received my letter requesting they validate the debt. The representative did advise they sent me the validation paperwork, to my current address, which the XXXX conversation with the representative revealed they had the incorrect addresses, I never corrected them, because in my letter it advised of my correct address. However, this conversation with the representative he all of a sudden had my correct address, which I asked how was it that he had my correct address if they never received my letter, which I received no response. 

Since XXXX I have sent two additional letters requesting for Midland to seize any collections attempt and erase the false information from credit reports, as they are negatively affecting my credit reports. I have not received any response from Midland.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-28
Company: Experian Information Solutions Inc.
State: CO
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:
Experian has incorrect information my credit report. I have written them twice to correct the report errors, on XX/XX/XXXX and XX/XX/2018. The information contained the report is in error and has adversely affected my credit score. Further, it has resulted in an increase in my APR on my XXXX XXXX account. I have not received a reply to my letters in any form or manner. They show delinquencies which is incorrect, high balances on revolving credit cards which is incorrect ( all my cards with one exception have a XXXX balance ), they show I have recent personal loans outstanding which is incorrect, they have us residing at an address we have never owned or resided at. All of this was brought to their attention in my letter of XX/XX/XXXX and follow up of XX/XX/XXXX, with no response from 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 non-monetary relief
Consumer complaint received 2019-04-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing is charging consumers up to {$15.00} processing fee for utilizing their online payment functionality. 
Consumers should not be forced to pay a processing fee for making online payments on the company website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: HYUNDAI CAPITAL AMERICA
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX has sold debt to XXXX XXXX XXXX   for A vehicle I own with title and lien release. No debt is owed to either company. A letter asking for validation was sent on XX/XX/2019. XXXX has not contacted me since. 
Amount attempted to collect was {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: LEXISNEXIS
State: TX
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 2017 I had a lexis nexis report sent to me. I found out that I have a bankruptcy inaccurately listed on my report. I disputed the report. They said it was accurate and received information from the circuit court. I contacted the circuit which I have emails and they stated they do not report to credit bureaus or creditors. They lied to me in writing and I would the bankruptcy removed from my report immediately and all credit bureaus notified of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX changed my address to my address to a Kentucky address I live in Arkansas they sent me a letter said they was changing my address I called them XXXX XXXX in formed them I did nod change my address then I got another letter yesterday said they was closing my account so I called them XXXX XXXX they wanted my checking account no I gave it to them they hung up on me my bal was {$350.00} now they say my bal is & XXXX XXXX XXXX I made a payment of {$100.00} to them my credit line is $ XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A card was proactively cancelled and a new card was issued XX/XX/XXXX. A charge was applied with that card which was proactively cancelled on XX/XX/XXXX. Capitol one was not able to provide a phone number or any information to me on the creditor. I spoke with someone on XX/XX/XXXX. Instead of allowing me to dispute the charge again my new card has been restricted. I am being penalized again for something I had nothing to do with. I would like to have my current card remain active without being inconvenienced to cancel that card. Since that card was not the card utilized for the fraudulent charge i see no reason to cancel the card. The Capital One is incompetent and has no regards for customer goodwill. I am being treated as if my business means nothing to them. I want the {$500.00} charged removed, without cancelling my card that was not used for the charge, and I want to have my current card not be restricted. I keep being humiliated with my card being restricted as I attempt to make a purchase. I have been a customer of Capital One since XX/XX/XXXX and I have always paid off the balance in full each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have a real estate mortgage loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion   reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late.

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 2018-03-24
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2018, Citi notified me of suspected fraud on my credit card. I immediately confirmed for them that a charge to a company I have NEVER done business with, XXXX XXXX, for {$200.00} was FRAUD. Citi immediately closed that card number out and sent me a new card with a new number. Citi did reverse that one fraudulent charge and another, also. Today, XX/XX/XXXX, only 16 days later, I awoke to a text message claiming yet another charge to XXXX XXXX for {$200.00}, was made. After an excruciatingly long call with several customer service reps with heavy foreign accents, I spoke to a supervisor named XXXX, who gave me her rep or code number XXXX. She claims that XXXX XXXX has the ability to change card numbers to a new card number for recurring charges. This proves that both Citi and XXXX obviously did not take any action whatsoever to pursue the CRIMINAL who is using my account to recurrently pay their bill! I have attached my most recent statement, showing the first fraudulent XXXX XXXX charge of XX/XX/XXXX and Citi reversal of this charge.

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 2019-04-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent in the proper documents and the still didn't delete the accounts that I have on there. 


XX/XX/XXXX {$3900.00}, {$3800.00} XX/XX/XXXX XX/XX/XXXX {$17000.00} XX/XX/XXXX XX/XX/XXXX {$5900.00} XX/XX/XXXX {$15000.00} XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Addendum to complaint XXXX : I went to the Send Message part of Freedom Mortgage 's website 2-3 times between XX/XX/XXXX and XX/XX/XXXX as well. The website has a " Subject '' pull down menu that is blank. If this is not filled in, the Message will not " Send. '' I tried to send Messages twice this way as well as all of the phone calls mentioned in the above complaint.

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 2020-11-13
Company: LEXISNEXIS
State: OH
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: Investigation took more than 30 days

Complaint:
I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX XXXX XXXX CARD. The dates were XX/XX/2020, XX/XX/2020, XXXX XXXX/XXXX XXXX, XXXX, XXXX/XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX/XXXX XXXX, XXXX/XXXX XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this late mark is preventing me from moving into a new apt . I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreements accommodations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I received a text message alert warning me that someone was using my card unauthorized. They listed a number below for me to call. When I called the number they began a debit fraud dispute for me that included many charges that took place during this timeframe from the XX/XX/XXXX. After filing my dispute, the airline got caught doing some type of switch up that revealed 2 flights being purchased for me for the same flight. I then called back to report this as well. Most recent I contacted the cfpb about what the bank did to my automobile insurance. I reported an employee for threatening to cause a lapse in my ( supposedly canceled ) insurance because I told him I would file a lawsuit for the money they owed me. They owed me over 200 dollars but when I called to report what occurred they claimed they sent a check for XXXX. Which I have not received. Because I told the cfpb about Mr XXXX. The bank then reversed the credit they issued to me AFTER notifying me that someone was using my card. I am writing to get the credit given back to me and to end retaliation against me for informing the cfpb about their dishonesty.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Experian Information Solutions Inc.
State: TX
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 not received any confirmation on how you have verified the fraudulent alleged inquiries attached in Exhibit B and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those non-compliant unverifiable accounts and inquiries on my report. 

All inquiries names listed below in EXHIBIT B are fraudulent. These inquiries were pull without my knowledge, nor my permission. According to section 605B of the Fair Credit Reporting Act, those fraudulent inquiries names listed in EXHIBIT B are due to identity theft and shall be remove from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation