BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Hello, I've had an issue with Capital One internet services. I found out through my Experian credit monitoring that I was behind on a payment. I never received noticed of this payment being due either by email, letter, or phone. I thought that the balance was at XXXX and I never use the card. I had cut the card up long ago. When trying to resolve the issue, it's been nearly impossible to deal with their online interface. The only way to log in to my account after forgetting my password was with the CCV code on the back. Obviously, not having the card, I didn't have this information. I've been dealing with over 5 different customer representatives to try to regain access to my account, and it's taken hours. A huge problem was that the company wanted to verify my account information using only text messaging. As someone who lives in a rural area, i don't receive text messages, and was forced to consent to use them as means of communications regarding my account, despite not being able to receive them. I find this an unfair disadvantage for just trying to maintain my account information as someone who doesn't live within cell range. I rely on satellite internet, but standard messages do not go through. As someone just wishing to receive timely information about my account, and someone who's had a spotless payment record up until this point, I find this mark against my credit as an unfair penalty for not living in more urban environments. The amount of my time spent trying to resolve this issue was absolutely ridiculous, and at no point was I ever offered the opportunity to resolve it via Email or other forms of internet communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02
Company: AMERICAN EXPRESS COMPANY
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My American Express full statement payment of XXXX was due on XX/XX/XXXX. I paid the full amount on XX/XX/XXXX. Amex charged me an interest of XXXX for this XXXX day late payment, which is 14,132.5 % in yearly interest. When contacting Amex today, I was told that this is standard practice. 
I think that this practice is outrageous and should be terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: First Credit Services Inc.
State: NY
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 are the following accounts that are on my credit report without me knowing 1. XXXX XXXX. DATE OPENED XX/XX/XXXX {$1000.00} 2. first credit services date XX/XX/XXXX {$6000.00} 3. XXXX XXXX  XXXX date XX/XX/XXXX {$230.00} 4.XXXX XXXX XXXX   XX/XX/XXXX {$0.00} 5.XXXXXX/XX/XXXX {$0.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
This account, dating back to 2018, has been reflecting on my credit report for five years, even though the full payment of {$1100.00} was made. Although Bank of America assured me that the account would be eliminated from the report after full payment, it has not been resolved yet. This situation has caused me significant personal strain, affecting my ability to secure housing and leaving me vulnerable to homelessness. I respectfully request that the account be removed from my credit report within the next 30 days.

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 2023-03-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account was frozen and they held a large sum of money. In XXXX  in a later month ( XXXX XXXX XXXX XXXX? ). They finally gave it back a few months later. I know I was made some big mistakes that year, I had a bad reaction to a medication. I was in trouble with a reporting agency. But I didnt deserve for you to hold 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 2023-03-22
Company: Celebrity Financial, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please note that the category of complaint that I selected is not ideal, but no other option is better. 

I have not received my year end tax statements such as 1098 and 1099-INT from my original mortgage lender, Celebrity Home Loans. 

As a result, I am unable to complete my XXXX tax returns. 

My mortgage loan agent said that the lender has suddenly gone out of business and that no one is available to provide me with the tax statements. 

My loan was sold to another mortgage lender, XXXX XXXXXXXX XXXX in late XXXX, but XXXX XXXXXXXX XXXX did not start servicing my loan until XXXX, so they said that they can not provide me with any tax statements for XXXX. 

Can you please help me with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I WAS TOLD THAT IN ORDER TO BE APPROVED FOR A, EVERDAYAMERICANEXPRESSCREDITCARD, ALSO THAT IWOULD NEED A SCORE OF AT LEAST 750, POINTS ON MOST RECORD SHEETS SUCH AS XXXX REPORTING AGENCY OR THE OTHER ONE THAT I MY SELF BELOMG TOO/SUCH AS XXXX XXXX XXXX FOR AT LEAST ABOUT 2/YEARS MEMBERSHIP.THEPHONENUBERTOTHIS OFFICE IS XXXX, AMERICANEXPRESSRECONSIDERATIONLINETEAM/THESEPHONENUMBERS ARE AS/FOWOLLING/XXXX-XXXX-XXXX/XXXX-XXXX-XXXX/I, THINK YHAT THE REAL NEED IS TO ASK THESE PEOPLES FOR A BETTER UPDATE RESPONSE/FURTHERMORE, AS A GHANGE UP IN WRITING BECAUSE MY POINTS KEPT BEING CONTRUSED DOWINGLY EVERY MONTH FOR NO APPERENT KNOWN REASON/ALSOTHE BOTTOM SHEET REPRTS NEGETIV ITEMS WERE SUPPOSED TO BE ERASED BY/XXXX/AND XXXXBLDGINGSMEMBERS, IF NOT OUTSIDECARS/JUMPSIE/OUT/OF/TOWNLOOKS/PERSONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Mr. Cooper 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: Investigation took more than 30 days

Complaint:
On my XXXX  credit report my mortgage payments and balances are not being reported at all for several months dating back as far as 2017. I call Nationstar to resolve the matter and I am told that Nationstar is reporting my mortgage information accurately and consistently and that it is an issue with XXXX however the data is not available still in my XXXX credit report. So, I call, file complaints and disputes with XXXX and they respond by telling me that it is Nationstar 's fault that Nationstar is not furnishing them ( XXXX ) with the data. I AM NOT GOING AWAY! THIS MATTER WILL BE RESOLVED REGARDLESS OF WHO'S FAULT IT IS! 
Please take a look at the XXXX  credit report, you will see that multiple months reflex no data for my Nationstar Mortgage. I AM NOT OK WITH THAT, IT NEEDS TO STOP! 
Also the resolution letter from Nationstar does not address this issue and why and who is NOT DOING THEIR JOB! FIX IT OR PAY THE PRICE! Nationstar has already been sued for this lack of ethics and changing your name isn't going to change the fact that what you are doing is wrong on so many levels.Way to much data missing from my Nationstar mortgage, MONTHS!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
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: Account information incorrect

Complaint:
Improper Charge for Service covered under Paid Provider Network XXXX XXXX XXXX billed {$260.00} for services On XX/XX/XXXX that they were contractually committed to not charging for thru my Health Benefit Plan with XXXX. Account XXXX On XX/XX/XXXX the bill was given to a debt collector, XXXX XXXX XXXX, for recovery. Account # XXXX Both XXXX XXXXXXXX and XXXX were notified by myself and through my plan administrator that they could not bill for these services. XXXX was notified by me personally on XX/XX/XXXX and on XX/XX/XXXX. They were also notified by my plans member services on XX/XX/XXXX. XXXX XXXXXXXX was also notified by me on or about those dates. XXXX   XXXX has continued to try to collect this fraudulent debt and has reported me to the credit monitoring services. The amount was reduced to {$60.00} on a report from XX/XX/XXXX. 
Attempts to correct the problem with Equifax have been disregarded. First, their website reporting for disputes does not work. Second, calls to them to through their dispute resolution have been disregarded and went nowhere. Third, a request for forms to dispute the problem have been ignored and as of XX/XX/XXXX I have not received the requested documents. XXXX has addressed this fraudulent claim, Equifax will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is in reference to the consumer report sent by your company via electronic form through XXXX, XXXX and Transunion. While checking the above report, it came to my notice that your company has furnished an account on my report. 

According to 15 USC 1692a ( 2 ) the term Communication means that conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the consumer report { bearing information regarding the alleged debt } by the company will amount to communication as per Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing your formal notice to cease any further communications regarding this account immediately. 
This includes but not limited to telephone calls, emails, social media, or any consumer reporting agency. 

Any further contact by your agent or company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 


Thank you for your cooperation

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 2023-04-11
Company: EQUIFAX, INC.
State: FL
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:
If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: CORELOGIC INC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
ON XX/XX/2021 CORELOGIC CREDCO RECEIVED AND SIGNED FOR MY LETTER VIA US ( CERTIFIED MAIL # XXXX ) THAT WAS DATED XX/XX/2021, THE LETTER SPECIFICALLY REQUESTED THAT A SECURITY FREEZE BE PLACED ON MY CORELOGIC CREDCO CONSUMER CREDIT FILE AND XXXX TO BE PROVIDED WITH A FREE COPY OF MY CREDCO CONSUMER CREDIT REPORT. WITH THAT BE SAID CREDCO FAILED TO ADHERE THE THE FCRA AND FACTA ACT BY NOT HONORING MY REQUEST FOR A FREEZE ON MY CONSUMER FILE. AS WELL AS A FREE COPY OF CREDCO REPORT. CREDCO ALSO RECEIVED COPY OF MY STATE OF NJ DRIVERS LICENSE AND WEEL AS A COPY OF MY SOCIAL SECURITY CARD THAT CLEARLY IDENTIFIES MY IDENTITY. CREDCO RESPONDED BY SENDING ME A REPLY LETTER ABOUT IRRELEVANT INFORMATION ABOUT OTHER CREDIT BUREAU AGENCIES PROCEDURES EVEN THOUGH I SPECIFICALLY STATED IN MY REQUEST TO FREEZE MY CORELOGIC CREDCO CONSUMER CREDIT REPORT. THEY ALSO SENT A REPLY TO THE REQUEST FOR A FREE COPY BY SAYING THEY COULD NOT IDENTIFY ME EVEN WITH I SUBMITTED DOCUMENTS THAT CLEARLY IDENTIFIES MY IDENTITY. 

ATTACHED TO THIS COMPLAINT IS MY REQUEST LETTER ( WITH REDACTIONS ) FOR THE FREEZE AND FOR A FREE COPY OF CONSUMER CORELOGIC CREDCO CREDIT REPORT. ALSO ATTACHED IS THE ERRONEOUS REPLY TO BOTH OF MY REQUEST. IF BOTH OF MY REQUEST ARE NOT HONORED I WILL SEEK DAMAGES IN A COURT OF LAW. 

CORELOGIC CREDCO HAVE ALL ORIGINAL DOCUMENTS IN THERE POSSESSION AS OF XX/XX/2021 WITH OUT THE REDACTIONS

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 2023-01-24
Company: Experian Information Solutions Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within XXXX  days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2017-12-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX XXXX, XXXX I deposited my check at an ATM owned by Wells Fargo bank. The check amount for my paycheck was {$1500.00} and the bank error deposited only {$510.00} and shortchanged my funds of {$1000.00}. When I called Wells Fargo ( six times ),  the bank told me that there was nothing they could do at moment. I have proof of photo of the paycheck and amount and deposit amount in my email from Wells Fargo. They emailed me it. I am disputing {$1000.00} as I believe Wells Fargo committed financial fraud on me, a loyal customer.

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 2017-12-13
Company: BANK OF THE WEST
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of the West is reordering electronic deposits and withdrawals in our business banking account. We receive notification of a deposit 2-3 days prior to the deposit appearing in our account, a pending deposit. Our company payroll is also processed electronically, on or near the pay date which is on a Friday every other week. In the last month we have had two separate instances where the deposit and debit post on the same day, yet we have been assessed an overdraft fee.

The bank reversed one of the fees when I inquired about the first charge and stated we should apply for overdraft protection on this account. The overdraft protection is expensive, it applies a fee whether it is used or not and has a significant percentage rate on the overdraft amount. The bank seems to be reordering deposits and withdrawals in order to charge a fee or force us into an even more expensive overdraft line of credit. We have no control over when these electronic items process, we as consumers are entirely in the dark regarding these transactions that appear to be nothing more than a vehicle for the bank to assess more fees to a small business.

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 2019-11-05
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
LoanCare, my previous mortgage servicer, shorted my escrow account by {$1800.00} more than two months ago and has still not refunded my money. I have tried to resolve this matter through ( at least ) 16 phone calls to LoanCare dating back to XX/XX/2019. Each call was answered by a call center representative who was unable to help me. After several calls, I began to ask to speak with a supervisor. I would then get routed to the supervisors extension where I would be placed on hold for 30 to 40 minutes before my call was answered. I recall that on at least three occasions my call was disconnected. 

Here is what I have learned through my phone conversations with LoanCare staff and a review of my payment history which I accessed from LoanCares website ( See attached document ; I have highlighted the key transactions in yellow. ). 

On XX/XX/2019, my account was mistakenly credited with another borrowers payment in the amount of {$1800.00}. 
The {$1800.00} was promptly refunded to the other borrowers account, also on XX/XX/2019. 
A second transfer of {$1800.00} was mistakenly made from my account to the same borrowers account on XX/XX/2019. So, the borrowers account contains {$1800.00} that is my money. 
XXXX at LoanCare researched my complaint and acknowledged these errors in our XX/XX/2019 phone conversation. She acknowledged that I was owed the {$1800.00}, which would be refunded to me. She advised that I was to receive a phone call from LoanCare as early as the following Monday ( XX/XX/2019 ) to confirm that the check would be sent. I have yet to receive the call or the check. XXXX has been the LoanCare employee most responsive to my situation ; however, I have not been able to reach her for status, even though I have left messages for her to call me with two other employees.

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 2018-10-13
Company: Experian Information Solutions Inc.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XXXX WENT ON MY CREDIT REPORTS AND KEEPS CALLING FAMILY MEMBERS.. 
CEASE AND DESIST COLLE CTIONS AND CEASE COMMUNICATIONS.

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 2019-11-05
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:
PLEASE LOOK INTO THE XXXX ACCOUNT WHICH IS REFLECTING NEGATIVELY ON MY CURRENT CREDIT REPORTS. THIS IS AN ACCOUNT THAT IS NOT REPORTING ANY BALANCE WHAT SO EVER, IT IS A PAID CHARGED OFF ACCOUNT AND IS STILL REPORTING UNDER ALL THREE BUREAUS. THE ISSUE HERE IS WHY WAS XXXX  ABLE TO REPAIR THE DEROGATORY HISTORY ON THIS ACCOUNT, AND WHY DIDN'T EQUIFAX AND XXXX DO ANYTHING ABOUT IT? NOTHING HAS BEEN DONE ABOUT THIS MATTER AND I DEMAND TO KNOW WHY THIS ACCOUNT IS STILL REFLECTING NEGATIVELY. THIS ACCOUNT HAS BEEN OPENED SINCE XXXX OF THE YEAR XXXX. AFTER SEVERAL ATTEMPTS AT DISPUTING ( SINCE : XX/XX/XXXX ), AND TRYING TO GET THE NEGATIVITY OFF OF MY CREDIT REPORT, STILL ... ..NOTHING HAS BEEN DONE ABOUT THIS MATTER AND THIS IS REALLY GETTING TO THE POINT WHERE IT IS UPSETTING ME IN GENERAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, 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 have called Transunion on multiple occasions regarding these inquires appearing on my Credit Report from dates back in 2018 they were not there about 2 months ago now they have been inserted, I did not authorize or didn't get any type of notification on where or why they are on my report. I've tried calling the company 's along with Transunion and the representative refuses to assist with this issue. 

Hard Inquiry on XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 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 2017-12-13
Company: Experian Information Solutions Inc.
State: LA
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: Investigation took more than 30 days

Complaint:
Hello how are you doing? Fine I hope. Im sitting here soooo confused. Ive been trying to dispute some inaccuracies on my credit report but for some reason Ive been getting nowhere. I think my proof of my identity may be an issue. Im just lost because I feel like Ive exhausted all options to get this cleared up. Can you take a look at these accounts for me please? I would appreciate it. 

I see several medical accounts being handled by XXXX XXXX XXXX. Do you know that theyre operating under an inactive license? In the state of Louisiana this is illegal. Please remove these accounts. 

2. XXXX I have never done buisness with not have I been contacted by this company. 

3. XXXX XXXX Please furnish me with a medical release form Im sure Ive never given this company permission to access my medical records. 

4 XXXX XXXX XXXX This company is reporting inaccurate and misleading payment information. Please remove this account. 

5. XXXX XXXX This company has made a mistake. I was never late. 

6. XXXX XXXX XXXX This account is reporting several inaccuracies.

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