BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX To whom this may concern, I am writing to express my ongoing concerns regarding disputed information that Capital One has submitted to all three major credit bureaus ( XXXX, XXXX, XXXX ), XXXX XXXX, and potentially other credit reporting agencies.
In the past, I have disputed and requested " verification of debt/records '' from Capital One and credit reporting agencies but have not received an appropriate response that abides by the obligations set forth in Federal and State consumer protection laws.
The subject of this dispute is an account similar characteristics that appear to be as follows : ABA # : XXXX Account # : XXXX  As you should have documented, I have requested " verification of debt/records '' on this account as well as disputed the Capital One 's actions of reporting information and transferring accounts to others. Unfortunately, I have not received an satisfactory response and it appears as though Capital One has ignored my requests - and violated consumer protection laws.
To help resolve the situation, I am requesting that Capital One provide me with : 1. ) A full verification of debt/records, which shall include, at a minimum : A. ) The original contract with signature card. ( Ensure the account contract version and signature card version match ) ; B. ) Full account statements for the length of the account ; C. ) Records pertaining to any and all submission of accounts, records, transfers, or debts, to credit reporting agencies ; and D. ) All documents, records, and actions that Capital One has taken when responding to disputes and requests for re-investigation, both directly and through credit reporting agencies ; 2. ) Details about the status of the associated accounts and whether or not they have been transferred to third parties for management or collection ; 3. ) A summary of the communications Capital One has attempted ( if any ) when responding ( or not responding ) to my previously submitted concerns ; 4. ) An explanation as to my rights as a consumer and why it has taken Capital One many months if not years to respond to simple letters and requests.
Nothing contained herein is or shall be construed as a waiver or any rights or remedies, all of which have been expressively reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Hunter Warfield is harassing me, lying on me saying i gave them permission to contact me, when last year i told them directly and i think filed a complain with the CFPB to not contact me. Every time i called this company after that they told me i have to Rescind my communication with them to speak with them which i never did which always results with them hanging the phone up on me. We can get them to forward all the phone calls from my number XXXX to further verify what im saying. They claim they have a debt in my name, and not once did they sent me any type of information about this claim. They were reporting a collection on my credit report for months not verifying anything. I disputed this with XXXX, after three attempts they remove this collection. Now this has been removed Hunter Warfield literally lied stating that i gave them permission to contact me. where is the phone call, or email stating that. i haven't been in contact with this company since the last time they hung up on me. So this is crazy to me a company would stoop this low to harass me. I am not taking this lightly this is definitely fraudulent, and unprofessional behavior. Attached is the email i received on XX/XX/2022 from Hunter Warfield office

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My online payment to my HOA - XXXX XXXX HOA that was sent on XX/XX/17 was never received by them and the check was cashed with a stamp stating the 'United States Treasury XXXX has it for the amount of {$330.00}. 

I received a late payment fee from my HOA in XX/XX/XXXX so I called them to find out that they never received my check that they have been getting monthly for years! So I called Chase and they directed me to get the proof of funds which I sent to my XXXX. They are the ones that pointed out that the check shows United States Treasury on it which they do n't use. Also, looking at all my other checks to them, none of them show this stamp. 

So I filed a claim with my bank, JP Morgan Chase and they just came back stating that they were contacted by the Federal Reserve and said they wo n't deal with them and will only deal with the consumer, me and that I needed to call them to figure out what is going on. They gave me the number XXXX XXXX and ask for the Dispute Department for online payments. They gave me a bunch of transaction numbers and reference numbers. 

So I called that number and they stated that does n't make sense and that the only thing I can do is file a complaint against Chase and here I am.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-27
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I got a notification stating that I was in default of a Perkins Loan and was in the process of re-enrolling in school. I called the servicer to request the amount owed {$700.00}. In turn, I reached out the XXXX XXXX and requested a loan consolidation to satisfy the outstanding default. XXXX XXXX quickly turned around the consolidation and UAS ( XXXX ) received the funds on XXXX. I called on more than one occasion to get the payoff/paid in full letter to forward to XXXX University so that they could release the debt on my account. I was promised on two occasions that they would forward me the appropriate information via email only to not receive it. I called on the XXXX and held on the line while the supervisor drafted the attached letter, which is basically an account summary. This information still has not been forwarded to NLDS or www.Studentaid.ed.gov accounts and still shows as a default.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am having difficulty with a company that processed a check payment for an outstanding balance, and is giving me the run around trying to state that a payment was n't made. I 've provided proof that the check cleared the account, and want this balance removed immediately as they received every penny. Despite receiving and processing the payment on XXXX XXXX, 2017, I am still receiving harassing phone calls and emails from the company, who continues to transfer between three titles. This is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04
Company: CashMax LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I opened a loan with boost finance. I paid it off two weeks ago yet my account was drafted today. When I called them about it. I was told I needed to wait three days so that they can refund my payment. The also apologized. That is not ok. They shouldnt have taken it to begin with. They put me in a financial bind.

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 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2017-07-27
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has attempted to collect a debt which is not mine, it is not my name but my social security number. There has been some mistake or my identity has been stolen. I have attempted to correct this matter several times with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: CITIBANK, N.A.
State: CO
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:
i got letter from citicard that my card ending in XXXX  had been credited XXXXper agreement with you..i never received this credit..i called citicards and theysay the credit was issued but could not give me a date..i have-not been credited this settlement amountXXXX 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 explanation
Consumer complaint received 2022-02-04
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXXXXXX XXXX  / XXXX / {$7200.00} XXXX XXXX XXXX / {$9200.00} XXXXXXXX XXXX / XXXX / {$17000.00} XXXX XXXX / XXXX / {$21000.00} XXXX  / XXXX / {$21000.00} XXXXXXXX XXXX XXXX XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: AMERICAN EXPRESS COMPANY
State: MD
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:
I closed my charge card with American Express ( here refer to as " XXXX ) within the 30 days time frame but XXXX failed to refund the annual fee to me. XXXX 's refund policy states as follows : " If an Annual Membership fee applies, we will refund this fee if you notify us that you are voluntarily closing your Account within 30 days of the Closing Date of the billing statement on which that fee appears. ". 

XXXX charged me {$550.00} annual fee on XXXX/XXXX/XXXX and I closed my account on XXXX/XXXX/XXXX, which is within the 30 days time frame. I called XXXX customer service four times regarding this refund. Every single time the representative told me that they will take care of it and the refund should be credited to my account within 48 hours. Unfortunately, I have not received any refund. I am asking CFPB to look into it and see what you can do to help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-04
Company: Specialized Loan Servicing Holdings LLC
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: Old information reappears or never goes away

Complaint:
PLASE HELP ME Complaint Against Specialized Loan Services LLC Account No : XXXX XXXX XXXX Foreclosed PropertyAddress : XXXX XXXX XXXX. XXXX, GA XXXX Property Foreclosed : in XXXX I, XXXX XXXX, bring this issue to you once again as Ive been trying to deal with issue for years and no one at Specialized Loan Service, ( SLS ) will address the credit reporting errors. I have contacted SLS over twenty times with no one to help me. 

In XXXX, I submitted paperwork for a home loan and was denied due to SLS reporting a XXXX foreclosure that was reporting still active and reporting late when the property in question was CLOSED. The reporting caused me a great deal of distress as I contacted SLS pleading that they make the correction, and remove it from credit reporting. It was requested by SLS that I send my request in writing, which I did send via Certified Return Receipt. I received the receipt of acceptance from SLS, however, they continue to report the account to the credit reporting bureaus. Due to the incorrect reporting, I lost out on purchasing a home as no lender would work with me. 

In XXXX, I am in the process of purchasing a home and once again, SLS has not removed, nor have they corrected the incorrect information they are reporting to the bureaus. It is imperative that this be corrected asap! I can not lose out on purchasing a home once again due to SLS violating my rights as a consumer and disable veteran. There is no reason why SLS can not make the correction and also remove the account from reporting as its a very old account that continues to hurt my rights of purchasing a home for me and my family. This has caused me so much emotional distress, and XXXX. If this is not corrected, I will lose out on another home. If this is not corrected, I will seek legal counsel for emotional distress and damages. 

I seek your assistance with this issue that I can not get SLS to correct. 

Thank you, I may be reached at 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 explanation
Consumer complaint received 2019-05-18
Company: Exeter Finance Corp.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Made several attempts to resolve with company. Company failed to make contact with original party. Made contact with original Party and no return information within the 30 day response rule.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: AmeriHome Mortgage Company, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to pay off a mortgage with Amerihome Mortgage. My bank sent them a bank check on XX/XX/22. They sent the check back. I called them twice in XXXX and the second time, the representative stated that they would take XXXX payments. I have sent them those payments daily up to the balance due. They took both XXXX and XXXX mortgage payments out before they were due. I did not authorize this! I just want to pay off this mortgage. My last call was with XXXX from the Resolution Department on XX/XX/22. He said they are holding the last XXXX in an account!! He said he could not accept this payment. Why were they able to take all the other payments?? Meanwhile, I am getting charged fees. I would like this paid off as soon as possible and all my over payments paid back to me. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ERC had been contacted along with their client, numerous times by me in attempt to resolve this issue but have been ignored and this false negative report is and has prevented me from getting the needed score to obtain loans for my business, which is and has been leading to ongoing losses in my business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX does n't want to delete all the negatives collections and Unauthorize hard inquiries and negative accounts that are closed after Bankruptcy Chapter XXXX after it was discharged by Federal XXXX, Texas on XX/XX/XXXX,2016. There should n't be no negatives like collections or creditors open accounts like XXXX XXXX credit cards, all account on credit reports should be deleted. The only creditors that should be displaying on my XXXX, XXXX, Equifax should be XXXX XXXX XXXX and XXXX XXXX XXXX. All other creditors was included on bankruptcy chapter XXXX and XXXX data should delete all discharged creditors. XXXX is in violation of my ADA Disability Act Civil Rights under the Department of Justice and Federal Bankruptcy Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
According to XXXX my credit information has been possibly leaked due the recent data spill. I never consented the right for credit agencies to store my personal information in any form, thus the leak of my information is entirely upon them. To potentially stop identity theft I tried to freeze my credit inquires but it seems that the websites wo n't allow me. Upon calling their centers I was informed that I would have to pay for the freeze which should NOT be the case. This is due to their negligence and they wnat money form me to resolve. This is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
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:
Capital one is doing a big fraud with me, I am not going to use Capital one card for big transactions anymore. I disputed three transaction 3 months ago, one was the XXXX for {$93.00}, the second one was for {$300.00} the home inspection one and the third one was the {$140.00} one. For several days capital one gave me a credit for all three transactions and now they added it back on my credit card and sent me a letter for two of them, {$93.00} and {$300.00} and said that they are going to reapply the credit on my credit card before the transaction is completed. 

This is a big fraud bank. Why they gave me a credit at the first place if they wanted to reapply it again and that too after so many several months. 

Please see the attached screenshot and a copy of the letter I received from them. 

I am going to return all big purchases on this card and put it on XXXX XXXX who is not a fraud like this bank and is more reliable and doesn't play a vicious circle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: EQUIFAX, INC.
State: AL
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'm written this complaint because I am a victim of fraud and the company name are XXXX XXXX in XXXX Alabama got on my credit report that I owe them I never had any account with the agency I call the credit bureau XXXX they remove the fradulent account but Equifax I made a dispute with them somehow the fradulent account still report and I have a fraud alert on my account this account still reporting to Equifax I want it remove from my credit report this not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: SECURITY FINANCE CORP
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
XXXX keeps calling me after I have told her to stop calling me regarding someone who has used me as a reference. 
. 
I do not have a loan with this company and they keep harassing me after I have repeatedly asked them to stop contacting me. 

This company has called me several times a week since XX/XX/2019.

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