BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hello Yes I would like to report Capitol One Bank. They intentionally and purposefully blocked me from making a purchase from XXXX XXXX. This is the second complaint I made. I just received tax refund and it was deposited into Capitol One Bank. I want Capital One actions reported to the police for invading my privacy and purposely with cruelty. I don't know who they are trying to impress or side with but their continued action is going hurt their business financially. Thy people they are trying to side with wont save them from getting a lawsuit if they continue with their erratic XXXX behavior. Also the media ssuch as XXXX XXXX, XXXX XXXX and XXXXXXXX XXXX and XXXX others etc. has been invading my privacy and I have complained to the police about it. Now Capitol One wants to XXXX join the cruelty and prevent me from making needed purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo overdraft fee. I started my account in 2009

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 2018-03-09
Company: NCB Management Services Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't know who these people are.i asked for a debt validation and they sent me a letter with someone else 's email address on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
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:
In summer XXXX I filed for an income-based payment plan ( my Loans were w/ XXXX at that time ) and was told that I would have a $ XXXX monthly payment. I also filed for the Public Service Loan Forgiveness program and as part of that application, my loans were then transferred to XXXX XXXX. Throughout late XXXX XXXX I made $ XXXX/month payments ( despite being on a {$0.00} income-based plan ). In XXXX XXXX I started to receive odd bills saying that I had owed $ 800- {$900.00}. Since I am a resident with a tight budget, I called about this major increase in bills. I was then told that I needed to go in to forbearance if I could n't afford this. As a result, ~ {$4000.00} interest capitalized on my student loans. I then filed a complaint with Federal Student Aid, as a I felt that my payments had been incorrectly calculated and I had been unnecessarily forced in to forbearance. It took nearly 60-days to receive a response ( to be fair, their site says it may take this amount of time ), and they found numerous errors in my account. I was told that in order to fix they issues they would have to de-convert my loans back to XXXX and then convert them back to XXXX XXXX with the correct payment info. That has occurred, for the most part. However, as a result of that process, my income-based payment plan has fallen off and for the past 2 months I have had to make payments of ~ {$2500.00} ( that is 89 % of my monthly income! ). I have been told that the only option I have is to cancel my direct debit and just " not make the monthly payments ''. I have not done that due to not wanting to default on my loans and I also do n't want to file for forbearance and have additional interest become capitalized. Furthermore, during this conversion/deconversion process multiple loans installments have been marked as delinquent and are now on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: ENCORE CAPITAL GROUP INC.
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:
THIS IS RIDICULOUS! I'm not familiar with this account! Why is my credit report being reflected therein? I need this account to be verified! I don't have a contract with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Experian Information Solutions Inc.
State: OH
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:
ve been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!! Bureuas are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents.

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 2021-09-03
Company: EQUIFAX, INC.
State: CO
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/2021 Equifax updated my credit score, dropping it from XXXX ( as of XX/XX/2021 ) to XXXX ( XX/XX/2021 ) I've contacted Equifax ( XX/XX/2021 ) and reviewed this with an agent, she could not find any reason for this drop and scheduled a call back from a supervisor to assist me within 24 hours, this did not happen.

I spoke with an agent ( XXXX ) today XX/XX/2021, to review my dispute, she said it was logged as a complaint and they were not required to respond in any timeframe. She did not dispute the FALSE score, nor assist me w/why Equifax would have dropped my credit score. I was told to find the reason why it happened and file a formal dispute for that item, something they could not find. I believe EQUIFAX is in violation of FCRA and need assistance restoring my Credit score to match the other 2 CRAs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
CareCredit Card from Synchrony Bank On XX/XX/XXXX I called into Synchrony bank to make payment my Care Credit card. I have multiple Deferred interest payment buckets and one standard purchase bucket. One deferred interest bucket was expiring in XXXX After speaking with the agent I had a payment of XXXX {$170.00} set to payoff my deferred interest bucket expiring in XXXX and my Standard purchase bucket that was currently accruing interest ( ~ {$41.00} deferred bucket, ~ {$130.00} standard bucket ). The agent advised she had it set to disburse in that way. 
The following day, upon reviewing my account, I found the Deferred interest bucket expiring in XXXX was paid as instructed, however the remaining {$130.00} of my payment was distributed across all remaining buckets and did not go to payoff the Standard Purchase bucket, that is actually accruing interest, as I had instructed and as the agent on XX/XX/XXXX advised. 

On XX/XX/XXXX, I online chatted with XXXX XXXX XXXX attached ) where we discussed the mistake, XXXX agreed that an error had occurred and was going to submit for a correction. 

On XX/XX/XXXX, I found no correction and called into speak with an agent. The agent again confirmed they see the error and was going to escalate. 

On XXXX I received a letter from Synchrony Bank stating they did not intend to correct their mistake. They stated that excess funds were to be applied to the balance accruing the highest interest. I was surprised at this as my request was to have the payment applied to the balance accruing interest and their mistake, which they stated they wouldn't correct, was that they applied the payment to deferred interest balances ( letter attached ).

Two regulatory errors in this complaint 1 ) Reg Z : Bank did not apply payments as instructed, and they did not apply payments to the balance
s with the highest interest.

2 ) UDAAP : Agent advised they could and would apply pymts as I instructed, while actually applying to deferred interest buckets and not accruing interest buckets resulting in interest income for the bank. In addition, the letter I received from the bank states requirements that they are using to not correct their error however not actually following through on those requirements.

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 2020-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 previously disputed my bankruptcy with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response which was sent you you multiple times stated the opposite. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

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 2019-08-23
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was given a loan modification from Chase Bank in XXXX of XXXX because they said I met their qualifications for a hardship and I had never missed a payment. 
They never discussed with me the terms of the modification other than to say they would escrow my homeowners insurance included in my new payment amount. They never told me they were going to add fifteen years to my mortgage. 
Now on XX/XX/XXXX I have received an insurance bill from them for {$1100.00}. They have also just informed me that they have sold my loan which is why they added15 years to my mortgage. 
I have spoken with their executive office and was informed that Chase Bank regulations require them to make sure they have discussed the terms of the modification with their customers which Chase Bank failed to do. 
They have acted with impunity and deceit in order to take advantage of one of their customers. They did this knowing full well they were going to sell the loan and make a bigger profit by adding fifteen years to my mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Firstsource Business Process Services, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I never received a direct bill from XXXX XXXX XXXX in XXXX. They sent my account directly to a collection agency, One Advantage. I made the following payments, but continue to receive notices for payment from One Advantage : XX/XX/20 paid {$300.00} ( acct. # XXXX XXXX XX/XX/20 paid {$480.00} ( {$300.00} to acct. # XXXX and {$180.00} to acct. # XXXX XXXX Account numbers : XXXX and XXXX ( creditor # XXXX ) XXXX XXXX creditor # XXXX ) One Advantage, LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I may have been wrongly charged fees, freezes etc

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 2021-09-03
Company: ENCORE CAPITAL GROUP INC.
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:
I was recently informed that I was victim of XXXX data breach being a former customer I did not open this account and need it removed from my credit file ASAP. I do not own this account nor did I ever open it or had any idea it existed on my file until I checked it recently and being a victim of XXXX data breach I can deduce someone was able to use my information to open this account and thus I need it removed from credit file, as it is affecting the growth of my credit and I should not be responsible for someone else 's account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Bridgecrest Acceptance 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:
I was recently informed that I was victim of XXXX data breach being a former customer I did not open this account and need it removed from my credit file ASAP. I do not own this account nor did I ever open it or had any idea it existed on my file until I checked it recently and being a victim of XXXX data breach I can deduce someone was able to use my information to open this account and thus I need it removed from credit file, as it is affecting the growth of my credit and I should not be responsible for someone else 's account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: First Premier Financial, Inc.
State: CO
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a certified 609 letter to XXXX on XX/XX/ requesting copies of validation of debt they received from First Premier Financial that was closed and reported as a reposession. I spoke with a representative last week on XX/XX/ and he stated the handwritten letter was received. The information came back as verified however proof was not sent to me per request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I advised Choice Recovery that I was a victim of identity theft and that the debt was not mine. I have submitted them a copy of the police report. They initially removed the debt then added it back. Also, they are reporting negative to all 3 bureaus and I have submitted the company and the credit bureaus a copy of the police report. This is detrimental to my job and livelyhood to keep a clean credit file. I want this {$25.00} collection removed ASAP from all 3 bureaus and Im filing a complaint with XXXX, FTC along with CFPB for unfair practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The problem is with my escrow account. Because we were out of town and missed a short turn around letter from the bank. We were given a shortage amount to be paid. We were given a subsequent amount to pay which we did. The analysis said if we pay that amount we would pay the smaller designated amount {$1600.00}. However, that did not happen and we received a higher payment in the XX/XX/2019 statement. Since then we have received two more analysis and and three more statements with different amounts to pay. All of them increasingly higher asking us to pay more because this bank incorrectly planned for the following years tax payments. Now we are being asked to pay more ( {$1600.00} ) than we can afford per month. We are willing to do what we can but this bank is being very unreasonable. I tried to get the problem solved with help from the XXXX but that is useless because they assume no responsibility just want us to pay for their mistakes.

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 2017-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Privacy issues

Complaint:
XX/XX/XXXX I submitted online app for a credit card with Bank of America, referred to as BOA through the remainder of this complaint. I requested a balance transfer on the app to be paid to XXXX XXXX in the amount of {$1100.00}. I received a phone call the next morning from the fraud dept of BOA said they were verifying if I had submitted the app and I confirmed I had.I thought that was odd as I 've submitted several online apps for cards and had never received a call like that. Did n't think anymore of it. The balance transfer was supposed to be paid within 2 wks. On XX/XX/XXXX I called XXXX XXXX to check if BOA had sent payment to them for the balance transfer and to my surprise they had n't. I then called BOA to inquire and the rep told me they did not pay XXXX XXXX but had paid my XXXX XXXX card balance of {$2200.00}. I asked her how did they obtain my XXXX XXXX card number because I did not list that balance to be transferred. She was puzzled as well and transferred me to the fraud dept. I explained my issue again and was transferred to the fraud dept supervisor. Explained my issue again and her response was " Well you must have given it to us, how else would we gave gotten it ''. I told her I noticed they had a phone number listed on their webpage for FRAUD WITHIN THE COMPANY maybe thats how it was obtained. I told her to pull up my online app and she would see XXXX XXXX 's balance of {$1100.00} listed to be transferred and not XXXX XXXX 's balance of {$2200.00}. She then told me I had to call XXXX XXXX and request they send the payment back to BOA. I did n't think that was normal protocol but I called XXXX XXXX anyway and explained the issue to them and they said BOA would have to request a refund of the payment. I called BOA back to let them know and to this day I am still waiting for someone to call me back. This has been terribly frustrating and this is a new account and I think it is despicable how they handled the situation. So nonchalant. I later read reviews of the bank and I wish I had did that research prior to submitting my application. Its companys like this that need to be penalized severely for their unscrupulous practices. I do have documentation to upload because of course they snatch your app offline as soon as its submitted and they did not send a confirmation so I have nothing to prove other than them accessing the application themselves.

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