BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-12
Company: EQUIFAX, 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:
XXXX XXXX has reported my account as paid late 30 - 59 days twice wrongfully : 1. Reported on XX/XX/XXXX a payment status of 30 days and an amount delinquent of {$640.00} my payment was due on the XXXX of XX/XX/XXXX, I paid and the payment posted on XX/XX/XXXX the amount of {$650.00} and XXXX XXXX processed the payment on that same date. Given that XXXX in XXXX has 28 days this means that my payment was made and processed on the 28th day and not 30 days or more. By law they should have not reported a payment made before 30 days as a 30 to 59 days late. Now this is reported on all major credit bureaus and XXXX XXXX is refusing to acknowledge and abide by the consumer protection protocols and laws. 

2. Reported on XX/XX/XXXX a payment status of 30 days and an amount delinquent of {$640.00}. my payment was due on the XXXX of XX/XX/XXXX, I paid and the payment posted on XX/XX/XXXX the amount of {$640.00} and XXXX XXXX processed the payment on that same date. Given that XX/XX/XXXX was a Saturday this means that my payment was made and processed on the XXXX but what XXXX did is that they counted the week end and end of business the following Monday and reported my payment to the credit agencies as paid on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My problem exist with Capital One credit card division. I have been a customer for seven years. When I applied for the card it was pre paid. During my initial signing of the agreement, it stated that if I kept the card in good standing my card would be changed into an unsecured credit card. During the sevens years of my card, I have never been late, I pay my balance almost every month. I rarely have carried a balance.I have called on 10 different occasions to request for a change. I never got any corespondance as to why I they will not change credit card status. They are holding XXXX. I have requested that it be switched. The bank says I was under review. And when my time comes they will switch over. I can not understand if I have followed all the guidelines and did what they asked, why will they not switch the card to an unsecured card. My credit score has been very good the entire period of the card after establishing credit with them.The last conversation I had with the representative, I asked who should I send a complaint to she said she would write a complaint and send it in. I received a copy of an agreement that said nothing about a pre paid card. I do not want others to be a victim. I can only imagine what they do to customers in a bad situation with them, if they are treating me like this. If I close the account my credit will be effected negatively. If I leave it open I will not receive my XXXX dollars.My request is that switch me to an unsecured card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
To the best of my knowledge, the account has been closed with a {$0.00} balance, but now I have received a letter indicated I owe them for {$1000.00} for some reason.

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 2022-08-05
Company: Solar Mosaic LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
A loan agreement was signed on XX/XX/2022, with the help of the contractor XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX to finance home repairs. The money was dispersed on XX/XX/2022. XXXX quit and threatened to sue on XX/XX/2022 after repeated request for a complete bill, a completion date, all paperwork that pertains to my home, such as inspection reports. a stipulation for contractors in the Mosaic program is that the work be completed and done correctly. Not only is work not completed on the home, there is substantial damage. Proof of damage and a settlement agreement offered after both XXXX and XXXX XXXX did a walk through to see the damage. Each complaint sent to Mosaic ends with the installer said that they had proof that the work was completed, but was unable to provide me that proof, and a later reply that the installer would finish the work. The last call I had with XXXX was on XX/XX/2022. As we were on the call, XXXX began to give a run down on how the project order was supposed to happen ; I cut him off when he said an engineering approved reminding him that there was no engineering done at my house, and he hung up. This information was presented to Mosaic, and the still sided with the contractor. Some of the remedies from Mosaic if the work is not complete or is not up to par is to require the participant ( XXXX XXXX ) to refund the money, cancel the loan agreement. Mosaic has continued to pass my complaint from person to person ; XXXX to XXXX to XXXX to XXXX. Was told by XXXX, XXXX and XXXX that an investigation was happening and that if they continued to not receive contact with the installer, they would send someone to XXXX XXXXXXXX XXXX and to my house to find out what's wrong. While the case was under XXXX, XXXX closed it and I had it reopened. I have not been able to get any compliance worker on the phone for the past two weeks. Lastly, a payment was returned from Mosaic saying they can't find account, but I received a payment received letter. I believe they are intentionally not working with me and are trying to put a lein on my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Avant Credit Corporation
State: NJ
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:
Avant LLC is reporting five ( 13 ) missed or late payments on my credit report ; XX/XX/XXXX - XX/XX/XXXX. I've disputed these late payments with Avant on multiple occasions including phone, email and certified mail. Avant has failed to respond to direct disputes and fell short of doing thorough investigations when asked to by the CRAs. Its completely unsatisfactory that these mid to large companies violate FCRA violations such as notices informing consumers they are reporting negative information -- every consumer does not review their credit monthly. In my case, I went nearly a year and half until I noticed the negative reporting by this time there has been instrumental damage to my credit worthiness. What is equally alarming, when the CRAs fail to conduct a independent investigations and the outcomes turn out to be " certified '' without surveilling the full scope. After disputing the reporting, there has been multiple times where Avant has not left a " dispute remark '' on my profile which I have attached documents validating this incompliance. I've exhausted all options at this point with both Avant and all three ( 3 ) CRAs to no available. 

Compliance violations 1. 623 ( 5 ) ( a ) -- Duty to Provide Notice of Delinquency of Accounts 2. 623 ( 7 ) ( a ) -- Notice to consumer require reporting Negative information 3. 623 ( 7 ) ( b ) -- Time of notice reporting Negative information 4. 623 ( a ) ( 3 ) : Duty of furnishers to provide notice of dispute to CRAs ( No remark on credit file ) 5. 12 CFR 1022.43 - Direct disputes Tracking numbers ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Please help, as this is 6 of the 10 years of payments towards PSLF. 

I consolidated my federal student loans in summer of XXXX and was originally with XXXX XXXX using Income base repayment. My loan payments then switched to XXXX with IBR and now my loans are with FedLoan Servicing with IBR as of XXXX. I am trying to get a correct count on the payments that are eligible towards the Public Service Loan Forgiveness. 

I have submitted paperwork for the time I was employed from XX/XX/XXXX-XX/XX/XXXX, all of which are eligible for PSLF. However, FedLoans is not  counting any of the prior payments under XXXX or XXXX XXXX. I need help in having FedLoans acknowledge my prior payments as PSLF eligible. 

I have records of my payments with XXXX. However, I did not print out hardcopies or save files of my payments from XXXX and now I can no longer access their website. 

Thank you in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-30
Company: CITIBANK, N.A.
State: HI
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:
I purchased a cordless vacuum from a third party vendor on XXXX, the XXXX XXXX XXXX, on XX/XX/XXXX. I received the item on XX/XX/XXXX. I used it for a week or two before it completely stopped functioning and sucking up anything from my floors. I tried everything from fully charging the battery to turning it on and off again to trying it out on hardwood flooring versus rugs. Nothing worked it merely pushed the dirt around or would spit it right back out all over the place. I called XXXX to request an immediate refund as the product was inoperable and damaged. But because this was obtained from a third party seller, XXXX, XXXX could not issue me one. I attempted to contact the company to which they told me to simply charge the battery or to send the broken vacuum back. After trying those two routes, I decided to contact my credit card company, as I did not believe it was appropriate for them to request for me to return the damaged product in an oversized box ( which I did not have ) in order to receive a refund. Please note that I also live in Hawaii where mailing back items of this size is a large inconvenience for a broken product that I have since thrown away. This was XXXX XXXX mistake for selling me a broken product that didn't work and for refusing to refund me. A dispute was filed with my credit card company, Citicard, but I just received notice on XX/XX/XXXX that the {$100.00} charge was resolved in XXXX XXXX favor. This was an unjust service all the way around, including the credit card company, and it does not sit right with me. The product is the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There are many reviews of customers who have had the exact same experience as I have and so I know that I am not in the wrong and this should have been handled in my favor and much more appropriately. I believe this company is doing shady business. Thank you for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-30
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 status incorrect

Complaint:
I had a loan for a vehicle through XXXX XXXX for a vehicle I purchased in XX/XX/XXXX. In XXXX after 20 MONTHS OF ONTIME PAYMENTS, the vehicle was stolen and when recovered was a total loss. I had full coverage insurance as well as gap insurance through the finance company on the vehicle. Once recovered, I went to XXXX impound and signed over power of attorney to the finance company so they could deliver the vehicle to the insurance company to pay the claim. XXXX XXXX NEVER DELIVERED THE VEHICLE to the insurance company and after 30 days XXXX impound crushed it and sold it. Due to never getting the vehicle delivered ( which was the responsibility of the finance company as I had signed over all power of attorney ) my insurance company did not pay the finance company. XXXX XXXX then told me I had to continue to make payments on the vehicle which I did for 1 month AFTER THE VEHICLE WAS DEEMED A TOTAL LOSS but then could not afford any longer due to having to purchase another vehicle as well as all my tools that were stolen that were in the vehicle. XXXX XXXX then proceeded to attempt to sue me FOR THEIR INCOMPETENCE but the case was thrown out by the judge. In XXXX, my insurance company finally paid out XXXX XXXX but I never received ANY FORM OF REIMBURSEMENT for the taxes, plates, my tools or any of the thousands of dollars in parts I had installed prior to the theft of the vehicle and total loss. Currently XXXX XXXX shows I have 6 charge offs on my credit report which has prevented me from obtaining housing, loans and credit cards for the past 5 years as this is one of  the only accounts on my report. I had NEVER MADE A LATE PAYMENT- EVER- and yet they are still saying I was in collections over the account and refuse to change this after MULTIPLE times contacting them as well as MULTIPLE DISPUTES. XXXX XXXX has made my life a living XXXX the past 5 years and has resulted in homelessness ( even while I was working full time- I could not find an apartment due to my credit score being so low as it dropped from a XXXX to in the 400s due to this ) yet they refuse to fix anything on my account. I have the utmost contempt for this company as they have made me suffer beyond words and destroying my life is nothing but a game to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: TRUIST FINANCIAL CORPORATION
State: FL
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/2020, I reported to XXXX XXXX my dispute of inaccurate payment history information with XXXX. Also, I contacted and wrote, and mailed XXXX supporting documentation of my said claims ) to my mortgage company Branch Banking and Trust. BB & T credit reporting department representative reassured me that they reported my on time payments. On XXXX XXXX BB & T credit reporting department wrote me a letter stating they received correspondence of my dispute. On XX/XX/2020 I received a letter from BB & T Mortgage Credit Reporting Department stating that they investigated my dispute and determined the information is correct. A day later XX/XX/2020 my credit score decreased for a second time and it did not show any payment information for the months of XXXX and XX/XX/2020. On XX/XX/2020 I received by mail a letter from BB & T credit reporting that they received correspondence and that no error has occurred. Again, I spoke to BB & T on XXXX XXXX and spoke directly with two Supervisors and wrote a second dispute with my concerns of my inaccurate payment history. They both stated by phone everything was up to date. This time around my score decreased with XXXX  instead of the above agency XXXX. I called on XX/XX/2020 XXXX  Credit Bureau and the representative told me that BB & T last reported to them in XXXX of 2020 and that there were no payment history for the months of XXXX and XXXX. On XX/XX/2020 BB & T credit reporting department sent me by mail a letter stating that they received correspondence of my inquiry. Today, XX/XX/2020 my score decreased for a third time with XXXX. Moreover, I spoke to a XXXX Credit Bureau representative and they stated that they have never received any payment history from BB & T credit reporting department for the months of XXXX, XXXX, and XX/XX/2020.

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 2020-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Around XX/XX/2020 I received email notification of XXXX charges on my Capital One card. I called Cap 1 and went through the usual fraud reporting and the charges were removed and a new card was mailed to me. BEFORE I received the new card I started receiving email notification of charges from XXXX that were mot mine on that card. 

So I checked my XXXX account and none of the fraudulent charges are in my XXXX account. 

I called Capital One and reported the fraud but did not request a replacement because I think somebody has hacked Capital One since the hackers are getting brand new credit card numbers faster than the actual cards can be delivered in the mail. Representatives of Capital  One denied this. 

Yesterday, my girlfriend 's Capital One account was hit with fraudulent XXXX chages. She has never used XXXX and has no XXXX account. 

I think consumers should be notified about the hack at Capital One. It should be public.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
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:
I have written letters to the credit bureaus requesting verification of an account being reported by XXXX XXXX XXXX. Each time, the account is coming back as " verified ''. I have requested information on how the information was verified and have received no response. The credit bureaus in question are not following the law. They are solely relying on E-oscar to " verify '' accounts. They are also not adhering to metro 2 compliance protocol. Instead of doing their own independent investigation, they are going solely off of the incorrect information that is being supplied by XXXX XXXX XXXX. I have tried for MONTHS to get documentation from XXXX XXXX XXXX to justify their reporting and they have not been able to provide me with documentation. If they can not supply ME with documentation, then how are they able to report this information to the credit bureaus? That is a huge problem.

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 2021-11-03
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX, Midland Funding and XXXX Funding refuse to provide me with 30 day Payoff Letters so that my mortgage company can pay them what I owe them. 

Please advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-14
Company: REGIONS FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Regions bank has attended to collect a debt that was a result of identity theft and has since reported it to a collection agency. This has resulted is severe damage to 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 2021-02-22
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
On XX/XX/2021, I personally reported my XXXX Netspend card stolen on the Netspend app and I subsequently placed an order for a new card. On XX/XX/2021, around XXXX XXXX PST, I called the Netspend customer service line at XXXX and several customer service agents gave me the runaround by not answering my questions after giving them a ton of personal identifying information. Each agent that I spoke with verified the information several times and ended up not assisting me with a replacement card nor have they answered my questions. Instead, they kept putting me back on the automated recording where the system did not recognize my SOCIAL SECURITY # I was able to verify my account with before.

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 2019-08-20
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My mortgage was sold to rushmore loan. I sold my home after 2 years. My refund escrow check has become an issue.  It's been over 3 months and I have not recieved it. According to rushmore they have sent it 3 different time but are unable to provide any type of verification or tracking  numbers. I called immediately after selling my house in XX/XX/2019 to inform them of my new address to receive my refund. Month later I called again to see where it's at and I was informed it was sent to my old address I would need to update my address. Which I did again .I spoke to new owner and asked if I had by chance got a letter that for some odd reason didnt get forwarded like every other piece of mail. I called again XX/XX/XXXX to ve told they mailed and I should have gotten it by now . They will cancel and reissue again . I called yesterday XX/XX/19 to be told it would be escalated after being told it was escalated on the XX/XX/XXXX. I called today XX/XX/19 and after requesting speaking to the manager . The same girl came back on the phone with a basic script please wait 10 business days . I asked not to speak with her as I wanted my concerns to be heard by a supervisor or manager and XXXX put my on a slight hold and hung up. I called back immediately and asked to speak to a XXXX   office branch. I have all conversations recorded. As I felt I've been getting the run around. I today am told it will take another week to be approved. To call back next week" monday by latest "I have requested a tracking number as of last monday XX/XX/XXXX on this next check they are sending . She acknowledged that as it was in the notes.

Company response to consumer: Closed with explanation