BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
On XX/XX/19, I purchased a laptop screen in the amount of {$160.00} using my Capital One credit card. Within a few days of the screen 's arrival, I determined that the screen was defective. I attempted to reinstall it multiple times and ran a full diagnostic on the computer. I have a background in technology. THE SCREEN IS DEFECTIVE. This is a SCAM. I provided Capital One 's dispute department with a written and signed statement, evidence of a warranty offered at the time of the sale as well as the communication log between the retailer and me. In that communication log, I requested a new screen within the warranty period. The retailer has done nothing but stall and has not followed through on the warranty. Further, you will see in the conversation log that I requested a return shipping label which the vendor completely ignored. Capital One stated Visa wouldn't support me because I still had the screen. I guess they're illiterate because I clearly made an attempt to return the screen and it was ignored. 

Capital One is requesting a copy of the " purchase Agreement / contract ''. Who the hell signs a purchase contract for an XXXX-like transaction?? This entire situation defies logic. I'm done with them. Just spent nearly 50 minutes on hold only to have the call conveniently disconnected. Of course, they never called back despite confirming my call back number on the call. WORST CUSTOMER SERVICE I'VE EVER EXPERIENCED. What does it take to win a dispute? The product is defective. The product has a warranty. The communication log between myself and the retailer was provided evidencing my request for a replacement. I ASKED the vendor to send a return label. THEY NEVER RESPONDED and still haven't TO THIS DAY. XXXX VISA and XXXX Capital One! They don't have your back anymore. So here 's where I'm at. I will not pay this bill. I have a superior credit score and I'm willing to sacrifice it on principals alone. Would appreciate your help but if the matter isn't resolved through your firm, I'll be closing my account with the unpaid balance. Thank You,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..CFPB please delete XXXX XXXX, XXXX XXXXXXXX XXXX with different balances, and CHAPTER XXXX BANKRUPTCY : BANKRUPTCY DISHCARGED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 would like to dispute the following accounts, simply cause they are not mines, I did not cause them, no do I have any knowledge of these frivolous accounts reporting on my credit report. I'm asking that the 3 major credit reporting agencies remove the following unauthorized accounts. 

[ 1 ] XXXX XXXX {$600.00} [ 2 ] XXXX  XXXX {$470.00} [ 3 ] XXXX {$400.00} [ 4 ] XXXX XXXX XXXX XXXX {$4500.00} [ 5 ] XXXX XXXX XXXX XXXX {$3500.00} [ 6 ] XXXX XXXX  XXXX XXXX {$2200.00} [ 7 ] XXXX XXXX XXXX  XXXX {$2100.00} [ 8 ] XXXX XXXX XXXX XXXX {$2000.00} [ 9 ] XXXX XXXX XXXX {$1700.00} [ 10 ] XXXX XXXX XXXX {$1700.00} [ 11 ] XXXX XXXX XXXX {$1300.00} [ 12 ] XXXX XXXX XXXX   {$1000.00} [ 13 ] XXXX XXXX XXXX {$100.00} ]

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 2020-12-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$4400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Company is unknown account showing closed on my credit report I have no knowledge of even opening an account with this company I am not reliable for this debt have no agreement nor contract with this company please remove from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
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:
I paid off my car lease with XXXX XXXXXXXX XXXX Equifax refuses to update their records and keep saying I owe a balance XXXX as of XX/XX/2021. This was paid off XX/XX/2021. I would like this updated on my equfax report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Franklin American. They raised my mortgage payment XXXX $ a month because they miscalculated my taxes and escrow account after paying on time for a year. They have refused to take partial payments or full payments. 
I have been trying to work with them and pay what is owed and they are being unreasonable. My most recent of many interactions was on the phone with XXXX XXXX ( XXXX ) on XX/XX/XXXX. I was told that the reinstatement amt was XXXX $ and had to arrive by XX/XX/XXXX. A bank check for that amt was sent to XXXX XXXX XXXX. XXXX NJ XXXX ( the address that I was given ) on XX/XX/XXXX. I have received the bank check back and was told the it was not enough money. There is a stamp on the check for XX/XX/XXXX that was not from the bank or me. Now they are telling me that I have to pay their attorneys fees on top of the other fees that I owe which are over 1500 . I now have a mortgage of XXXX $ a month from XXXX $ a month. I am a single mother of XXXX young children. I would have NEVER signed a mortgage for that amount as I can not afford that. I have actually spoken to a few people that have bought houses in XXXX and this has happened to all of them. Every person that I have talked to has had their mortgage go up by at least 400 $ for the same exact reason. Why are Mortgage companies putting people in homes that they can not afford again. Franklin American has refused to work with me every time I have tried. They have not accepted any payment that I have attempted to make. They just want my house back. It is disgusting. I am a XXXX XXXX XXXX XXXX. If I gave patient care the way they run that financial institution patients would XXXX every day. I am responsible for knowing my job and treating people appropriately. They should also be responsible for their mistakes. 

Most of the Communications were by phone as they told me they do not email communication. They did initially tell me that they would email me and that never happened. When I called back to ask the next agent told me they do not do email communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After a careful review of my credit report, I noticed the following mistakes, unknown accounts inwhich obviously occured at the time of my identity being compromised and relocation of cities. I'm demanding that the major credit reporting agencies provide me with physical documentation before reporting such acts. And as a general rule of law electronic Verification can not be accepted as proof. And as stated within the FCRA laws these accounts shall be blocked immediately. 

Accounts 1 ) XXXX XXXX {$3200.00} 2 ) XXXX XXXX {$1700.00}

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 2017-06-26
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On  XXXX   XXXX ,  2017  I was  discharged  from a  Chapter  #  XXXX  Bankruptcy. On  XXXX   XXXX ,  2017  I received a letter from the Attorneys of my Mortgage Company, the letter was accusing me of violated  # 1322 ( b ) ( 5 ) of the Bankruptcy Code. The creditor states that I missed two mortgage paym ents.   This is not true, and this is not the first time this particular company has given us problems.   I am a  XXXX  veteran who suffers from  XXXX , I do not need anymore  XXXX  in my life. My family and I work very hard to pay our bills, and stay above water. I did not miss a Chapter #  XXXX  payment or a mortgage payment.   We do not have the money nor experience to battle with the lawyers and mortgage company.     Please 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 2018-10-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed the late payments on XXXX XXXXXXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts reporting on my credit file does not belong to me and I'm demanding that these accounts be blocked. If you as the reporting company can not provide me with physical documentation of a signed contract in regards to these accounts then you must remove them in accordance with the FCRA laws.., these accounts shall be blocked, 1 ) XXXX XXXX {$820.00} 2 ) XXXX XXXX {$670.00} 3 ) XXXX XXXX {$120.00} 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX - XXXX XXXX. XXXX 6 ) XXXX XXXX XXXX - XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13
Company: AMERISAVE MORTGAGE CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Amerisave uses bait and switch tactics. They failed to provide Loan Estimates that reflect your " locked '' rate. They refuse to lock a rate until they decide to do so and charged for appraisals with affiliated entities despite not allowing me to lock my rate. I originally was trying to close a few loans with them but got a last minute bait and switch that required {$5000.00} in points charged. I refused but already lost my appraisal fees. I highly recommend they are investigated for similar tactics identified in their 2014 CFPB case.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
bmo harris trust dept failed to close all accounts in XXXX XXXX XXXX and XXXX XXXX and forward proceeds to executors, XXXX XXXX XXXX and XXXX XXXX XXXX, executors in fact. see attched.

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 2018-10-29
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: Account status incorrect

Complaint:
I have disputed the late payments on XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2019-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts reporting on my credit file does not belong to me and I'm demanding that these accounts be blocked. If you as the reporting company can not provide me with physical documentation of a signed contract in regards to these accounts then you must remove them in accordance with the FCRA laws.., these accounts shall be blocked, 1 ) XXXX XXXX {$820.00} 2 ) XXXX XXXX {$670.00} 3 ) XXXX XXXX {$120.00} 4 ) XXXX XXXX XXXX 5 ) XXXX  XXXX   XXXX - XXXX XXXX. XXXX 6 ) 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 2021-10-13
Company: EQUIFAX, INC.
State: OH
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:
One of family members told me that you all may be able to help me with some accounts on my credit that are not mine. I doing this on my own and also contact the police. I file a complaint with this FTC but not sure if thats all I needed to do. XXXX. XXXX XXXX. XXXX. XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX. XXXX. XXXX/XXXX, XXXX XXXX , XXXX, XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX, XXXX. 
XXXX, XXXX. XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified account KOHLS/CAPITAL ONE is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: AES/PHEAA
State: MI
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:
I have never missed a payment on my student loans, and I am currently on track for TEPSLF. I have worked for a qualifying employer for nearing 10 years, since XX/XX/XXXX of XXXX, with a qualifying payment plan. 

When my loans were transferred to FedLoanServicing for PSLF, I noticed over a year 's worth of payments to one of my previous, now defunct, servicers, " Direct Loan Servicing '' were not being counted toward PSLF or TEPSLF despite being over a year 's worth of payments made under the standard repayment plan while working for a qualifying employer. This period is being classified as " No bill '' - except I certainly had bills during this time, because I still have the receipts! 

In XXXX of XXXX I submitted over a year 's worth of receipts to FedLoanServicing so these payments, and a few others, could be manually tabulated. If tabulated correctly, I should qualify for TEPSLF in XXXX of XXXX. I have been waiting 10 months for them to do this. Every time I reach out to them requesting an update, I get a non-answer or more incorrect information. They scheduled a review of my account for the months from XX/XX/XXXX to XX/XX/XXXX when this review should be from XX/XX/XXXX through XX/XX/XXXX. They are also listing any time my loans were transferred to other servicers as months that do not qualify, despite being instructed by these servicers to continue making payments as usual until the transfer was complete. I have two months until I *should* be at 120 qualifying payments ( I was hired by a qualifying employer on XX/XX/XXXX and continue to work there ). Instead FedLoan Servicing 's complete incompetence has resulted in my estimated date for qualifying for forgiveness being XXXX. 

I was recently informed that FedLoanServicing will be transferring my loans to yet another service provider some time this year. I am livid. I am concerned I will have to start this process all over again, or continue making payments well beyond when I should need to. Refunding that money after this is finally corrected will not be an acceptable resolution. I have contacted FedLoanServicing every month since XXXX to try and get an update on the status of my request, and I just get the run around. This is so unacceptable it is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: GRANDVIEW FINANCIAL SERVICES INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My financial lender calls about ten times a day. They have called everyone on my reference telling that I need to pay when the due date on the bill says. They have even called my boss. This happens on a daily basis at least ten times a day. I m scared my boss will fire me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: EQUIFAX, INC.
State: MI
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:
Two finance companies XXXX XXXX and XXXX XXXX keep reporting my account as charged off and unpaid. When I file a complaint then it is changed back to charge off paid in most cases. This has been ongoing since XX/XX/XXXX. 

My dispute dates with Equifax are as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Cooling and Winter LLC Sent me a letter that belonged to someone else. They put this persons first and last name, their amount owed, and to whom they owe it. I can only assume that this person received my paperwork. This is very upsettting because they are leaking PERSONAL, PRIVATE information. I have been nothing but cooperative with them but feel they are sompletely incapable of handling this paperwork. This is very personal information that they are sending out and now someone has information about my personal finances.

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 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I sent letters to XXXX, and transunion and they failed to respond after 45 days I sent more letters to look into then matter and explained because of non response the items need to be removed.

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