BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
On XX/XX/XXXX of XX/XX/2020, I reached out to CapitalOne regarding my credit card ending in XXXX & made a payment over the phone. At the time my account was a few days past due ( but less than 30 days ) so I incurred a late fee, which they were nice enough waive. I inquired if they offered a hardship program, they offered a 3 month deferred plan which I accepted. A few weeks later, I got an alert from a credit monitoring service ( XXXX ) notifying me of a late payment reported on XX/XX/XXXX of XX/XX/2020by CapitalOne. I called them immediately and disputed the late payment, they told me it was a mistake & it would be removed. Till this day when I call they agree to the situation but can not send me a letter to the removal of the late payment. I was enrolled in a hardship program with them that was 3 months long. All these conversations were on a recorded line. I don't understand why all the trouble. My credit since then has dropped and it has been difficult to obtain a mortgage. Pleae help me remove this late payment. Other than this I have exceptionable payment history and would like it to reflect as much. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Paysend US LLC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XX/XX/. I sent {$2700.00} through Paysend, to a family member for a birthday party, XX/XX/XXXX, I put the wrong date for birth date by I number. I asked for an update on my changes. No one stated it was done. On that same date I advised to cancel this transaction. They stated they are working on it. I was told my complaint would take 15 days to get it resolved. 
We are now at XX/XX/XXXX and I still have not gotten my money back. 
I was told numerous times that they have to figure out how to refund my money. I was told by sending messages and complaints everyday and about XXXX a day does nothing to make it happen. 
I can't wait anymore. It should not take this long to get back my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-04-12
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2023 I left the United States of America and traveled to XXXX XXXX  when I got here citi credit card was flagged as fraudulent I called the company and they said they can not reactivate my account because I don't have the phone number associated with the account or access to my old address because I don't live there right now I literally have everything else my birth certificate social security card passport everything that you can imagine except those two things so they locked me out of the account and they said that there is nothing they can do to help me I've exhausted every other possibility and I need help

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 2021-02-08
Company: Jim Bottin Enterprises, Inc
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a gym membership at XXXXXXXX XXXX at the XXXX location in XXXX XXXX, NY. Due to state mandates, they were closed from XXXX to XX/XX/2020. During that time, there was no way to cancel my membership as the only acceptable forms of cancellation, based on their agreement, were in person or certified mail via the post office. After repeated requests by me to cancel via any other form that does not violate local covid mandates, I was denied my ability to cancel my membership. I have been charged {$73.00} by them and currently have an outstanding balance from them which was sent to collections. Please help me regarding this matter. 

Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo Reverse Mortgage has informed us that they are transferring the servicing of our reverse Mortgage to a company called XXXX. we were not advised of this until a few days ago, and that the transfer will take place on X/X/2017, and that we have no say in this matter. We chose Wells Fargo when we se t up the account because of its financial stability, and would not have chosen XXXX XXXX, and we do not want them to service our a/c now. Complaints about XXXX XXXX are numerous, and we feel we have bee mislead by Wells Fargo. we have asked for our initial costs of setting up the account to be repaid, along with the interest to date, but they have refused. We feel we have been exploited to the benefit of Wells Fargo and their profit motives. We hope you can help in this matter. XXXX XXXX Tel : XXXX 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 2023-08-11
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Please take bankruptcy off my credit report immediately. 

At this point of my life I was not behind on any payment and my credit was fair. My credit card debt was under {$650.00} and my car note loan was under {$5000.00}. My mortgage debt is {$160000.00} and my payment was on time. the only I was getting information on how to removed fraudulent activity because someone did identify a thief in my name and brought some vacation home package. ( XXXX XXXX XXXX, XXXX. When I asked what information was on file the company couldn't release that type of information. 

I FILE PAPERWORK FOR A PROBATE CASE IN A DIFFERENT LOCATION. My personal information like identification numberc, ard and ssn number and address was uploaded to the court files by a clerk on accident. THE only think im quilty of is askinfg the clerk peaper work on how to clearv my name. i didnt konw the bankrupty will be process cause i didn't pay for any or owe c also hand a probate case going and the court clerk upload my California driving license, socail security nunber, address and all my person business to the internet on accident for anybody can see it. 




XXXX XXXX XXXX, XXXX. IS Fraud. I didn't do this at all PLEASE REMOVED THE BANK

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 2021-02-15
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
Robinhood is supposed.to give my tax.documents by by XX/XX/XXXX, .and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EdFinancial Services
State: CA
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:
On Tuesday, XX/XX/XXXX, I contacted Edfinancial immediately after receiving the news of Bidens Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. I make under the XXXX income limit and therefore am eligible for XXXX in forgiveness. Throughout the pandemic I paid almost $ XXXX in payments. 
It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, aidvantage are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 
They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other peoples loan providers reinstating their balance after requesting it just 36-72 hours later makes me very concerned that this company does not have our best interests at heart

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Atlanticus Services Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
In XX/XX/2022, I filled out a credit application for a credit card and I was denied the card. I am aware that I extended the credit and the extension of the credit is a consumer 's right. Since, I am the creator and maker of the account, i did not receive the value to use for the primary purposes which is for personal, family and household purposes. I sent correspondence to Aspire Credit Services requesting to correct the error in their system and send me a credit card with a {$5000.00} credit limit OR return the property ( credit application ) to me, the consumer as it is my right of possession since it has all my private information on it. Aspire credit services are in violation for discriminating against the consumer and by action ; showing that they use unfair and deceptive business practices. The consumer, preserve her rights to receive compensation for the emotional stress that was placed on her due to Aspire Credit Services violating the federal laws. Aspire credit services is required to return the credit application or send the credit card as requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I used to have an account with Barclay. Due to oversea traveling, I failed to pay a small balance on the card. Barclay closed my account, and added a huge amount of fee into it. On XX/XX/2017, I was able to talk with a Barclay representative, and he told me that he can waived some of the fee, and the total I owned & need to pay off the account is XXXX. That was taken out of my XXXX XXXX XXXX checking account that Barclay has on file on the same day.

Fast forwarding to now, I got email from Barclay saying that I owned {$390.00} on the closed account. I called in, and the nice representative explained to me that the balance was never paid off. She was able to get $ 100+ fee off the account, and I paid $ 200+ to close the account. 

As I was made to believed that the account is closed and paid off in XX/XX/2017, and as most of these charge are fees on top of fees, I believe the fees are excessive.

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting 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:
I DON'T APPLY FOR ANY OF THESE INQUIRIES, PLEASE HELP ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-09-07
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, I received a scam email from XXXX in which I responded and sent {$1000.00} as instructed from my banking institution. Upon realizing this was most likely a scam, I immediately called my financial institution to stop payment. The bank told me there was nothing they could do and informed me to contact XXXX, who is also stating there is nothing they can do to regain my money.

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 2018-10-15
Company: AES/PHEAA
State: CA
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:
XXXX XXXX did not handle my automatic payment known as Direct Debts as described. XXXX XXXX also gave me misinformation about the loan payoff. 

I signed up for a direct debt to automatically pay on the XXXX of every month, but that it never posted on that day. Instead it would post 2-14 days later. The delay in payment meant more interested would grow within those days. 

Additionally when I went to make my final payment and requested for a loan payoff amount, XXXX   XXXX gave me the wrong amount. It gave me a calculated pay off at {$990.00}, but as per a costumer service representative, it was {$1.00} under the " actual amount ''. The website has a loan payoff calculator in which you provide a date and they calculate the payoff for that date. Whenever you use it, it is wrong. When I spoke to the customer service representative about this, she said me that this happens frequently and people end up having a balance even though it shows that the account balance is at {$0.00}. This happened to me twice with two different loans. The first time I paid a random amount extra, any extra funds over the " actual payment of payoff '' was not refunded to me, nor was it applied to another loan. The second time I called in and they customer service representative gave me an amount. For some reason she can see if in get system, but the online user accessible system did not have that amount. 

Both these practices are misleading and make the student loaner pay more.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I recently moved to a new apartment ( XX/XX/2018 ) and was approved for the lease after the apartment complex confirmed my credit history. Upon moving in, I contacted XXXX XXXX XXXX ( XX/XX/2018 ) to request internet at the new apartment and they performed a credit check with Equifax. For some reason, this came up with a block on my credit and after submitting all of my information to Equifax trying to verify my identity ( Driver 's License, SSN, DOB, Address, etc. ) they came back and told me it could take up to 30 days to process the request and verify my identity. I have no idea how I was approved for a 12 month apartment lease in consecutive years and my credit appears clean, however Equifax has placed a block on my credit making it all but impossible to get approved through XXXX XXXX XXXX for wifi. I must now have a Co-signer on my internet account ( $ XXXX/month ) when I have not needed a co-signer on either of the two apartment leases ( each over $ XXXX/month ) that I have applied for over the last two years. They will not discuss why I have a block on my credit. I do not know what else to provide to verify my identity, and as I work from home I need wifi to do my job. Their incompetence and unwillingness to help me resolve my issue is extremely frustrating and I would like an explanation from them on why I am unable to receive credit approval for an internet account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I made numerous attempts to get lvnv funding to validate the debt. they continue to send me collection letters and not the original contract with my signature. They are in violation of numerous consumer law and FDCPA laws such as 15 usc 1692c, 1692d, 1692, j and 1692g. they are not complying with my requests of validation of the debt. they are just making redundant attempts to collect a debt that i do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: JPMORGAN CHASE & CO.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Hello, On two occasions, JPMC chase bank sent me pre-approval offers for credit cards. I had a car loan with them, and they provided my credit score and credit information through the loan on their credit journey site. Chase denied my credit card application citing a XX/XX/XXXX rule that they do not advertise on the mailers they send or on their website. I had to find it on XXXX XXXX  after they used it against me to deny me credit and drop my credit score. I feel chase uses predatory lending tactics to entice customers to submit applications knowing they will later deny them. Chase bank could see that I did not qualify for theirXX/XX/XXXX rule but still sent two offers in subsequent months, making it appear that they had already vetted my report. I want them to remove the inquiry from XXXX and XXXX. The report they provide through their website is XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: ORG GC GP Buyer, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Starting summer of 2020 ; I started receiving letters and phone calls from different debt collectors. I told them Ive never owed money to anyone. I pay all my bills. I also stated that Ive never even heard of nor lived at the address tied to the debt. Somehow they have my full name, date of birth, phone number and social security number. After stating this they told me they would make a notation. And I would stop receiving calls and letters ; until they sold debt to another company ; which started the process all over again. The original debt is with dish network. The two current debt collection companies are XXXX XXXX for {$330.00}. And the second is GC Services for {$460.00}. Which are both for the same debt. 
This has been detrimental to my credit score and caused me troubles with other loan approvals.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-27
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
OCWEN is our loan servicer and they have scheduled a foreclosure sale for XX/XX/2018, even though they gave us a loan modification. They kicked us out of the modification and claimed our first trial payment was late. However, our payment WAS MADE ON TIME and we are getting the runaround by their representatives. We fell behind on our mortgage payments after we went through some tough times financially. We went through their modification process and we got a modification with an affordable payment. I sent in our payment, but they claim it was late and not the right amount. However, I have proof that it was not made late and that it was the exact amount they requested. 
We see that OCWEN got in trouble for this type of behavior and your agency fined them {$2.00} XXXX, but it appears it is just business as usual at OCWEN. We also have concerns regarding the significant increase in our loan amount when we refinanced our loan. Our balance was about {$110000.00} and we took out {$20000.00} to alter the home to meet the needs of our son. However, when he dust settled from the refinance, the balance on our loan ballooned to over {$190000.00}. We tried to get an explanation from our Broker, but we could never get a straight answer. 
We are hoping you could press them to do a formal review of where our money has gone and why our loan went up over {$50000.00}. I have never spoken to the same person twice at OCWEN, have never been able to get our single point on contact on the phone more than once, can not understand them some times and they just keep us in an endless cycle of wasted time and effort. Our current income is sufficient enough to make a reasonable mortgage payment and we want OCWEN to take a step back from foreclosure proceedings and initiate a proper review to resolve our mortgage issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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