BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
In XX/XX/XXXX I contacted XXXX  and advised I was disputing several accounts they were fraud on my credit report I advised them of a XXXX account in the amount of XXXX opened on or around XX/XX/XXXX Creditor Contact Details XXXX  XXXX XXXX XXXX XXXX  XXXX, MN XXXX ( XXXX ) XXXX and also an account from an original creditor by the name of XXXX XXXX XXXX in the amount of {$32000.00} opened on or around XX/XX/XXXX I also advised them of another collection account with XXXX XXXX in the amount of XXXX opened on or around XX/XX/XXXX Ive sent in another dispute on XX/XX/XXXX asking once again for this to be reinvested I have tried to contact the collection agency got XXXX XXXX  I get nothing but a ringing no answer no voicemail I was just told on XX/XX/XXXX that my dispute result from XX/XX/XXXX was found that the information belong to me it was valid however I was not provided with any proof any paperwork or anything regarding this investigation I contacted XXXX  again on XX/XX/XXXX they advised me that the collection agency has 30 days to respond to them I do not feel this was properly investigated back in XX/XX/XXXXif it was then it would have been clear that this account did not belong to me and was fraud and removed from my credit report just like Trans Union and XXXX   removed this particular account from my credit report lastly TransUnion is also disregarding a disputed account from Creditor Information XXXX  XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX in the amount of XXXX and I have no knowledge of this account I explained my email was compromised my belongings were compromised and also I was apart of the data Breach with XXXX  as well also an account showing closed with acceptance Now for XXXX opened on or around XX/XX/XXXX and is showing closed with a balance and I never done business with these people I explained to the company and also the credit bureaus and they are refusing to remove these off my credit reports. All of these accounts were disputed on or around XX/XX/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 2017-09-19
Company: DISCOVER BANK
State: ND
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received a letter from Discover Student Loans stating " lat year we sent you a check as agreed under a Consent Order with the CFPB. Our Records indicate the check we mailed to you has not been cashed or deposited. '' After XXXX XXXX, 2017 they had to remit the funds to the CFPB and i would have to contact the CFPB in order to have a new check reissued. I contacted the CFPB on XX.XX.17 and they could not issues a new refund because Discovery Student Loans did not provide a 3rd party admin contact number to distribute the funds. 

As of right now I have no way of getting the check reissued until Discover provides the needed information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
For the second time now Carrington Mortgage has come through on my bank account 2 days earlier ( agreement date is the 16th of every month ) then our agreed upon date. Causing overdrafts as well as locking up my account. Their document, which I have attached is by Carrington, clearly states the money will never be drafted prior to date submitted on AHCAuthorization form, XXXX : //www.carringtonms.com/XXXX-ACHAuthorization.pdf Per Carrington 's agreement form : " Once your Automatic Payments have begun, your payment will not be debited prior to the dates you selected on the authorization form. However, payments may periodically be delayed by weekends, holidays or administrative interruptions. You understand that CMS will continue to debit my account for the full term of your note or until you provide notice that you wish to cancel automatic payments ''. 

I called them the first time this happened and they assured me they'd correct it but they did not. I called bank this morning and they told me they have nothing to do with the date the payment is withdrawn and if it's withdrawn early ; it is because the mortgage company sent it early. *Bank Statement on XX/XX/18 attached and shows overdrawn status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The account is showing as closed when account is open. Account is charged off and car was repossessed but I payed past due balances and got car back and back in good standing with Chrysler. However account is still showing as closed and past due by over 6,000.00 $ when in reality balance is at XXXX and monthly payment of XXXX are being made until XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: MONEY SOURCE, INC., THE
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a phone calls from someone's personal cell phone who refuses to leave a message but is calling about my mortgage. I also received a threatening letter dated XX/XX/XXXX from TMS The Money Source saying that my XXXX mortgage payment was due XX/XX/2020 and " the total amount due on your monthly mortgage is {$2300.00}. This includes a late fee balance of {$1300.00}. '' First of all, the mortgage company is trying to capitalize on a common misconception. While the grace period is 15 days before a late fee is added, I have 30 days to pay the month 's mortgage for XXXX ( {$970.00} ) before they may report to the credit bureaus and take adverse action. And I have already scheduled the XXXX payment for XX/XX/XXXX. 

Secondly, TMS 's online payment system allows me not to include late fees in my monthly payment. 

Third, I have requested from the mortgage company to waive the late fees due to economic impact from COVID-19, and they have refused to do so. 

Instead, they are abusing their costumers who have been impacted economically. 

I want the late fees waived, the phone calls ended, and the threatening letters to stop, or I will contact the local news and my district representative XXXX XXXX. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience with this mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have tried fixing this issue with Capital One on numerous occasions, they are keep telling me they will get back to me but never hear back. There is a credit card which was opened under my name fraudulently I am a victim of identity theft and I have reported to police department " attaching copy of the police report ''. I need Capital One to remove this unauthorized account from records immediately as this dose not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Experian Information Solutions 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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX   XXXX {$6300.00} XXXX CARD XXXX {$670.00} XXXX XXXX  XXXX {$870.00} XXXX XXXX  XXXX {$3300.00} XXXX  XXXX XXXX {$530.00} XXXX XXXX XXXX {$51.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$1800.00}

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 2021-04-07
Company: EQUIFAX, INC.
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:
There are over 6 accounts on my credit that do not belong to me I have disputed these items with the bureaus and I have not gotten any response back I want this taken care of since it is not my fault but is affecting me 100 % Account Name : A - XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX INQUIRIES Creditor Name : XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : A - XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX NA Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : A - XXXX XXXX XXXX Inquiry Date : XXXX  XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : A - XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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 a XXXX XXXX account listed on my credit report however, XXXX XXXX sold this account to Portfolio Recovery in the amount of {$1400.00}. I disputed this account with XXXX XXXX for inaccuracies and XXXX XXXX deleted it off my credit report. I have the documents showing it was deleted. Portfolio Recovery has been contacted numerous times about this account and I even stated that XXXX XXXX deleted it. Also, I asked Portfolio Recovery to provide validtion that this is my account and they can not provide the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
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:
We participated in a group tour in XX/XX/2020 that included travel to XXXX. Due to the spread of the coronavirus pandemic, we decided to leave the tour early and made flight reservations on XX/XX/XXXX to leave XXXX for XXXX on XX/XX/XXXX, using a website operated by the merchant, XXXX. We paid with our Capital One credit card. On XX/XX/XXXX, the government of XXXX announced closure of all international travel in and out of XXXX. We were in XXXX with our tour group at this time. Our tour group agents personally visited the XXXX airport on the afternoon of XX/XX/XXXX and morning of XX/XX/XXXX, and advised us that no flights were authorized to leave the airport, and that we should not go to the airport. We contacted the Merchant on XX/XX/XXXX concerning this matter and did not receive a response. We contacted the United States Embassy in XXXX and were told that all flights were suspended effective XX/XX/XXXX and that we should not go to the airport. We promptly cancelled the flight reservations on XX/XX/XXXX and were able to visit with a Merchant representative, who indicated that she was not in the country and was unaware of the airport closure. We have submitted copies of all relevant information we have on this matter yet Capital One appears to ignore the realities of the situation, even apparently agreeing with the Merchants claim that the tickets purchased by the customer were not affected by the Covid-19 travel Ban. So, we were expected to ignore the executive order of a government where we were traveling, our own governments embassys instructions as well as our legal agreement with our travel company? We did make a timely appeal of Capital Ones initial rejection of our dispute, which involves {$680.00}. In its final rejection letter to us, Capital One falsely claims that we did not dispute this charge within 60 days of receiving the statement that shows the disputed charge. This is not true-we sent them a letter dated XX/XX/2020 that disputes the charge-less than one week after we received the statement. We also contacted Capital One by telephone on XX/XX/2020 concerning the matter because we had received no response from them at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This CFPB complaint is a follow-up to the one I previously filed, which asked the CFPB to remove bogus accounts and information from my credit file. According to section 605b of the Fair Credit Reporting Act, I have read. I am shielded from inaccurate reporting by Federal law, and you are obligated by law to erase any accounts and information from my credit file. Please follow the law and remove the disputed accounts and data as soon as you can : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX CT XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$50.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$750.00} XXXX XXXX XXXX XXXXXX/XX/2021. You haven't supplied me a copy of any documentation proving your assertions that I own the disputed accounts. Without these documentation, it is assumed that the challenged materials will be deleted right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is still reporting on my Credit Reports and needs to UPDATE completely from my Credit Report : XXXX  XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Dear CFPB - Im at a loss with Capital One and their lack of customer service assessing an issue we had with a locked card and now closed account due to inactivity. This all started back in XX/XX/2020 with a fraud alert / identity alert generated by Captial one. There was never any fraud, identity theft or charges not paid. They wanted me to prove who I was before they would unlock the card. They asked for a copy my drivers license to to be faxed into their office for that proof. We did this countless times over the course of several months to no avail. Ive called many times and have been told they will look into it. No one will call me back and every time I call I get the same answer. Its mind blowing! I have excellent credit and card has always been paid on time. We have paid the annual fees and generally carried no balance. I have called several times to find out what exactly is the issue with them not responding or unlocking the account. The answer is the account was closed due to inactivity. Really??? How can that be when I couldnt use the card? We did what they asked and its gotten us nowhere. No one will help me get to the bottom of this and seems no one has any skill set to rectify the situation. How can a credit card company be so ignorant to basic reasoning or customer service? I have been a loyal customer without issue and accumulated over 200k miles with this card. To add injury to insult, these miles are unavailable to me since they closed my account. Im hoping you can help me get someone to hear the complaint and rectify the problem. Thank you in advance, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened account with Citizens Bank on XX/XX/2017. The offer I responded to stated that if I had a direct deposit of {$500.00} to the account within 60 days Id receive a {$200.00} bonus. I have contacted the bank and have not received this bonus yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-04
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: Investigation took more than 30 days

Complaint:
This car loan company is reporting increases of my balance. I have never missed a payment. They have been reporting interest increases which has caused my credit score to plummet. In my XXXX years i have never ever seen any company report the interest.

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 2021-03-28
Company: Ability Recovery Services, LLC
State: OK
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:
Ive sent several debt VALIDATION letters for this reporting to my credit. This is NOT my debt.

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 2022-10-01
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I was charged overdraft fees on multiple withdrawals because the total added up to not being sufficient.

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 2021-04-07
Company: INTERCONTINENTAL CAPITAL GROUP
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage loan refinance on XX/XX/XXXX with Intercontinental Capital Group ( https : //intercontinentalcapital.com ) after receiving an offer from XXXX XXXX XXXX Mortgage Loan Officer NMLS : XXXX. I quickly submitted all the requested forms and documents. On XX/XX/XXXX I was contacted via email by XXXXXX/XX/XXXX, Submission Processor at Intercontinental Capital Group NMLS : XXXX, and additional information was requested. I submitted all requested information the same day, uploading it via the lender 's secure portal. Then the delays began. I would regularly email XXXX asking for updates. She would be slow to respond, usually waiting several days, and then kept asking for information pertaining to my employer ( a multispecialty medical group where I am a partner ) so I directed her to communicate directly with my group 's executive director. Despite the executive director verifying my employment and my income, XXXX kept avoiding giving me a closing date. She eventually said the closing date would be XX/XX/XXXX, but nothing happened on this date. I was able to reach her by phone after this date and she said that the application was held up in the underwriting process due to lack of income verification, which I had submitted multiple times already. On XX/XX/XXXXI emailed and called her again, and my email was returned as blocked and my phone calls are now being unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: Experian Information Solutions 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:
Experian is reporting incorrectly a collection in the amount of {$27000.00} partial account number XXXX. ( Please see page 22 of the attached credit report. ) This account is over 7 years and reporting of this item is a violation of the Fair Credit Reporting Act. This inaccurate reporting is harming my credit score. Please delete this line item 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