BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a Capital One 360 checking account a month ago. I requested a statement multiple times to set up a direct deposit and Capital One refused to issue me one which prevented me from being able to properly fund my account. I sold my old cell phone on the app " XXXX XXXX '' and was given a check as payment. I deposited the check into an ATM machine. I did not attempt to withdrawal the funds from the check nor did I withdrawal any funds. I received an email from Capital One today asking me to call about recent activity on my account. I called Capital One and I was told that the check I deposited was not a good check and that they were closing my account. They have frozen my online access so now I can not even log in to see what my balance is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Had problems with XXXX XXXX XXXXXXXX XXXX applying my monthly morgtage payments as they used wrong a personal bank account number to withdraw funds to pay monthly morgtage payments, they claim I did not pay XX/XX/XXXX on time, but, I had sent them a payment of {$4500.00} on XX/XX/XXXX, with confirmation numnber XXXX, and I talked to a person in collections named : XXXX XXXX, who stated that those funds were " just sitting there '' and were never applied to my morgtage payments, therefore, " I never missed any monthly morgtage payments and the XXXX XXXXXXXX XXXX should not have reported me to the credit bureau who, based upon the report from the XXXX XXXXXXXX XXXX the Credit Bureau lowered my credit rating from XX/XX/XXXX of XXXX, to XXXX in XX/XX/XXXX. I feel that is a wrong report because I NEVER ever missed any monthly morgtage payments, the XXXXXXXX XXXX XXXX just did not apply the funds I sent them for whatever reason. I just need them to issue a correct report that I have never missed any monthly morgtage payment. I even sent them fees for late payments which I feel they should return to me and they also charged me NSF fees, even when I have always maintained sufficent personal bank account funds which I can prove by the balances on my monthly bank statements and also, all payments made to XXXX made on time with confirmation numbers issued by them from their online site.

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 2021-02-23
Company: Concord Servicing Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep getting calls from Concord Servicing Corp Phone number XXXX. They are looking for a " XXXX, XXXX ''. I am not that person. I have called them and emailed them asking them to remove my number from their system and to stop calling me. They continue to call. Please make them stop.

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 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$10000.00} XXXX   XXXX {$530.00}

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 2020-10-13
Company: Fairfax Lending Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The XX/XX/20 " Loan Estimate '', " Closing Cost Details '' lists two items : Funding Fee {$250.00} and Underwriting Fee {$1000.00}. 

The XX/XX/20 " Closing Cost Details '' has a new entry : XXXX of Loan Amount ( Points ) {$980.00}. 
When asked about this charge, the broker ( XXXX XXXX ) replied on XX/XX/20, " The {$980.00} charge is being added due to the current market conditions. " I responded on XX/XX/20, " Adding XXXX unilaterally and without informing me, ie, leaving it up to me to spot it, is called bait & switch. Sleazy. " Broker responded XX/XX/20, " I am not being sleazy. The fee that got added from my investor was actually 0.50 % of the loan amount and computed to {$1600.00}. I only added {$980.00} and took a hit for {$640.00}. '' I responded on XX/XX/20, " If your investor added 50 bps as a condition of approving the loan than that information MUST be conveyed to me for my acceptance or rejection. 

If your investor added 50 bps because of the new law mandating that cost, theyve applied incorrectly to me since their loan commitment to me PREDATES the law change so the 50 bps does not apply. Someone is being sleazy, dont you think?? '' Broker responded XX/XX/20, " We should have updated payoff later today. Once we have it we will email the final CD for review. '' but I did not receive the updated payof. 

On XX/XX/20, I asked broker again to withdraw my loan application, per my first request to withdraw on XX/XX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Agency of Credit Control
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent the bank statement from XX/XX/2017 showing XXXX XXXX co pay of {

$15.00} was PAID. Please see page 5 of 10 on the bank statement 4th line from the bottom. This company left negative credit information that related to a debt that WAS PAID and cost me a car loan and mortgage. I intend to seek monetary damages for the incorrect information that has been listed on my credit report affecting me adversely during COVID

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX XXXX XXXX for a debt and account with XXXX XXXX issued by XXXX XXXX XXXX XXXX dba XXXX XXXX ( had received something from XXXX XXXX for same false item a month ago! ). 

This account is not mine and I have idea what this is. I was a victim of identity theft back in 2014 but I am unsure if this account is from that issue. I want them at XXXX XXXX XXXX to close this right away please. I have sent XXXX XXXX XXXX a letter to close this as well which I have attached. Thank you for the help and assistance on this frustrating manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
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 was notified of the existence of this debt after submitting to a background/credit check for a new job. After contacting XXXX XXXX, I contacted Portfolio Recovery Associates who had apparently purchased the debt. I was not notified by mail, phone, email, or any other communication type by XXXX XXXX of the existence of this account prior to the debt being sold to Portfolio Recovery Associates ( PRA ). 

On my third attempt to contact PRA, I was finally able to reach an associate who agreed to start the dispute process for me. After expressing concerns about the time-sensitive nature of my dispute, I was not given a timeframe or made aware the PRA would request further documentation from me, by mail, even after making the associate aware that I was not reachable by mail at my home address. I have been sheltering in place out of state due to COVID-19. 

After filing the dispute on XX/XX/XXXX, I called PRA a total of 6 times to attempt to ascertain a status update. Each time that I called, I spoke initially with a customer care associate who would then transfer me to disputes where I would wait on hold in excess of an hour each call. Each customer care associate was made aware of the time-sensitive nature of my dispute, and none of them provided a direct phone number to reach disputes. In addition, the PRA website lists their general customer care number as the direct line to their dispute department. PRA refused to provide me with accessible documentation to reflect the disputed status of this debt. 

I was not able to reach a representative in the dispute department until XX/XX/XXXX. I was not notified by phone during any of these phone calls, until XX/XX/XXXX, that the PRA Dispute Department was waiting for documentation to be provided by me. I was not made aware that the affidavit they requested by mail could be provided electronically through the FTC website.

It is my belief that PRA associates chose not to provide a full and fair disclosure of the options available to me, in an attempt to elicit payment for a debt that does not belong to me, because they were made aware of the fact that my job offer hinged upon my providing an account for this debt. They believed that they could corner me into paying for the debt rather than doing their best to provide to me their reason to me for believing that the debt was truly mine. 

I was made aware that each call was recorded, and my expectation is that PRA will review all of these calls which will back-up my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Was not notified of investigation status or results

Complaint:
I have send several letters out to XXXX about hard inquiries I have 43 hard inquiries on my credit report I have disputed them but have not heard anything from Transunion, XXXX, XXXX I have 18 hard inquiries on Transunion 43 on XXXX  and 16 on XXXX it has been over five months and I have not heard for any one

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 2020-08-20
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:
I got my credit pulled due to a bill I received in the mail. I have never heard from the place before. I suspected identity theft. When I looked at my report I was taken by surprise on a couple of derogatory items that I've never opened. These things listed on my applications a.re not mine. XXXX XXXXXXXX XXXX XXXX DEPTEDXXXX. US DEPT ED, XXXX. I have contacted the FTC and my local police and I am doing this all alone. Please remove these unknown items from my report. US SM BUS ADMIN ODA 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 explanation
Consumer complaint received 2018-11-09
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The tradeline XXXX XXXX was disputed and Equifax claimed it was verified, I have requested proof of the investigation with the letter dated XX/XX/2018 as this item is reporting in my file in error. They refuse to send me how the account was verified and are illegally reporting this to my file. XXXX XXXX   was unable to provide me proof ( contractual agreement with original creditor XXXX with my signature ) and the account was not properly investigated with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There is an account listed XXXX XXXX for XXXX XXXX {$1100.00}, original balance XXXX This account was settled and closed, nothing is owed. Please remove

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is an account listed XXXX XXXX for XXXX XXXX {$1100.00}, original balance XXXX This account was settled and closed, nothing is owed. Please remove

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 2018-06-26
Company: Experian Information Solutions 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:
On XX/XX/18, XX/XX/18, and XX/XX/18 I sent Experian, XXXX, and XXXX certified letters to verify 2 bankruptcies listed on my credit reports. Each escalating letter asked for verification of the listings.The three credit bureaus each sent me letters stating the bankruptcies were verified. Massachusetts Federal Court stated to me that they DO NOT give information to any third parties, including credit bureaus. I have continuously asked the three credit bureaus to remove the inaccurrate listings and how they received the inaccurrate information. The three credit bureaus have failed to address my problem and have supported failed credit opportunities and stress for me and my family.

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 2019-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Opened a Kohl 's credit card. Used it for one purchase, I paid the entire card off at the time of the one purchase. After I closed the account, Kohl 's, started calling me several times everyday stating I have a {$10.00} unpaid balance. Now they are adding interest. I paid the entire balance at the time of the purchase and never used it again. I told them on the phone that they have inaccurate information and I do not owe them anything. They said they would file a dispute. That was a couple of months ago. They call relentlessly and I block every single number they call from.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-03
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received notice dated XX/XX/19 from CMRE Financial Services , Inc for a debt that I was not aware of from some creditor called -XXXX  XXXX , XXXX , which I do not know anything about for a debt in the amount of {$100.00}. or debt. 

I called the number provided - XXXX and provided them an acct #, from the letter - XXXX The lady that I spoke to did not provide her number and asked me for my birthday and/or the last 4 of my SS #. I told her that I was looking to identify what this debt was for, because it did not look familiar. I also told her that I would not provide any information that was not on the letter. She stated that was fine and she hung up on me. 

How would I think this is a legitamite collection agency and/or debt. 

Please look into and advise me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX or XXXX, 2019, I submitted a payoff quote to Loancare, as the holder of my company. I had just sold my other home and am now trying to pay this home off within 90   days, or I must pay capital gains  taxes. On XX/XX/2019, at XXXX, I received an email response from Payoffs at Loancare , acknowledging my request and advising me to allow 3 business days for my payoff quote to be processed. Within 15 days, I received a letter advising that my loan had been sold to another company, but nothing regarding my payoff quote. Since my request in late XX/XX/2019 for a payoff quote, I have had to make another payment. It is not XXXX XXXX, 2019 and I do not have a payoff quote from Loancare. However, I am over one month closer to my 90  day deadline to reinvest my money in another home, or pay capital gains  taxes to the IRS. 

I believe the lack of a payoff quote from Loancare was purposeful so that I would have to make another payment, and as a result, I also question the timing upon which my loan was sold to another company. Perhaps my loan was seen as no longer profitable.

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 2020-08-20
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX : Found a Huntington checking account promotion online offering {$150.00} to open their Asterick-Free Checking account. Screenshot of offer is attached below. I opened the account on XX/XX/XXXX by clicking the Apply Online button on their promotion page.

Offer Details : 1. Open account by XX/XX/XXXX. I did that on XX/XX/XXXX. 2. Make deposits of {$1000.00} within 60 days and keep account open for at least 90 days. I had a payroll deposit on XX/XX/XXXX of {$2300.00} so fulfilled that requirement as well. XXXX. {$150.00} will be deposited within 14 days of meeting requirements. This never happened. 

Week of XX/XX/XXXX : I made numerous inquiries both online chat and phone asking why the bonus was not there. 
XX/XX/XXXX : I reached a supervisor named XXXX. I explained the situation, she said there was no promotional code attached to my account. I let her know that there was no code to enter, that you simply click the Apply Online button. She said yes, that's right because it's an online account. I emailed her a screenshot of the promotion to her email provided which she said she received XXXX. She said she'd submit the request to have the {$150.00} deposited within 24-48 hours on XX/XX/XXXX. She said she'd call me back on XX/XX/XXXX if there were any issues. I never heard from her and the {$150.00} was never deposited. Today it's XX/XX/XXXX, and she isn't responding to emails. I've emailed her 6 times. Nothing and no response in my bank account messages, calls, voicemails, emails, nothing saying what happened to the {$150.00} request. I can only assume that Huntington is sticking to the " no code was entered '' line which is not accurate and I am afraid it's happening to me and more people for them to get people to sign up for accounts and avoid paying the promised promotional bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Date : XX/XX/18 Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX RE : XXXX Act. # XXXX To Whom it May Concern, This letter is in response to your recent claim regarding XXXX Act. # XXXX which you claim is closed with a balance owed of {$570.00}. 

By not replying in a timely manner to my initial letter, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I further remind you that you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company. 

I would be seeking damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX 
XXXX, NC XXXX Social Security number : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief