BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-05
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have an account with citibank, and I mailed a check to XXXX in the amount of {$500.00} which was cashed, but never received by XXXX. This caused problems going through tolls and I incurred fees for this. I have contacted citibank and they said that the check was cashed but they are unable to find out who cashed the check. So, basically, the bank lost my money, and is refusing to refund it or find out and prove who took it. I have submitted every single form the bank has asked for, and they are continuing to bury me in more forms. They lost my money and refuse to give it back.

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 2018-02-01
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received in the mail onXX/XX/XXXX, a mailing from the XXXX in XXXX, WI that I was a new member and had an XXXX account with them. I never tried to open an account with this bank. I never signed any forms or gave them any information about myself. I received a 2nd mailing from them aroundXX/XX/XXXX or XX/XX/XXXX that included a debit card for this account. I have my health insurance through the XXXX  corporation in Indiana that I am now retired from. I contacted the XXXX  corporation central office on XX/XX/XXXX, about this. There has been no change with our XXXX accounts. It is still with the same bank, XXXX XXXX XXXX XXXX, that it has been with for several years. My former employer did not make this change. I emailed the XXXX  about this issue and told them what had happened. I received a response the next day and was told to call the bank to straighten this out. The email said that my employer could have done this and also gave the name of three investment companies that could have done this. I have no investments with any of those companies.I called the XXXX customer service number on XX/XX/XXXX. I explained that I had never opened an account with them or attempted to do so, and I had not signed any forms. I asked how could this have happened. I was told it could have been that my employer had done this. I told them that I checked this out and that they hadn't done this. The lady I talked with on the phone said the only way she could try to help me was if I gave her the last four digits of my social security number. I refused to do that. I have not deposited any money into this account. I received a statement from them in early XX/XX/XXXXstating that there was an opening balance of {$0.00} and that there was a deposit of {$0.00} made before XX/XX/XXXX. I have not made any deposits into this account. 

The name of the person on the email is : XXXX XXXX XXXX The physical address of the bank is : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, WI XXXX The customer service number is ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently learned that Capital One is not accurately reporting information for two credit cards I currently have with the company. I tried to dispute the information through XXXX  but I was advised to contact the creditor as they are responsible for supplying the information in the first place. I then called Capital One regarding the inaccurate information and they stated that they update balance information each month to the credit reporting agencies. However, upon further review, I discovered that my information has been inaccurately reported for the past year. Not only is the balance history completely inaccurate, but so is the the average monthly payment listed for each credit card. This incorrect information has hurt my ability to secure a mortgage and other important lines of credit because I am not able to demonstrate a history of paying off large balances. 

Here 's the snapshot for CAPITAL ONE CREDIT CARD ( credit line {$5000.00}, current balance {$2900.00} ). On XX/XX/XXXX, Capital One reported a payment of {$140.00} but the actual payment was {$1500.00}. XX/XX/XXXX, CapOne reported {$150.00}, actual payment was {$200.00}. XX/XX/XXXX, CapOne reported {$150.00}, actual payment was {$300.00}. XX/XX/XXXX, CapOne reported {$140.00}, actual payment was {$150.00}. XX/XX/XXXX, CapOne reported {$120.00}, actual payment was {$150.00}. XX/XX/XXXX, CapOne reported {$110.00}, actual payment was {$550.00}. XX/XX/XXXX, CapOne reported {$120.00}, actual payment was {$350.00}. XX/XX/XXXX, CapOne reported {$120.00}, actual payment was {$500.00}. XX/XX/XXXX, CapOne reported {$110.00}, actual payment was {$500.00}. XX/XX/XXXX, CapOne reported {$110.00}, actual payment was {$300.00}. 

SECOND CAPITAL ONE CREDIT CARD ( {$2000.00} credit line, current balance : {$930.00} ) : XX/XX/XXXX, CapOne reported {$53.00}, actual payment was {$700.00}. XX/XX/XXXX, CapOne reported {$54.00}, actual payment was {$300.00}. XX/XX/XXXX, CapOne reported {$52.00}, actual payment was {$200.00}. XX/XX/XXXX, CapOne reported {$51.00}, actual payment was {$150.00}. XX/XX/XXXX, CapOne reported {$49.00}, actual payment was {$100.00}. XX/XX/XXXX, CapOne reported {$53.00}, actual payment was {$100.00}. XX/XX/XXXX, CapOne reported {$57.00}, actual payment was {$200.00}. XX/XX/XXXX, CapOne reported {$56.00}, actual payment was {$150.00}. XX/XX/XXXX, CapOne reported {$53.00}, actual payment was {$150.00}. XX/XX/XXXX, XXXX reported {$53.00}, actual payment was {$400.00}. XX/XX/XXXX, CapOne reported {$56.00}, actual payment was {$300.00}. Based on this information, my average monthly payment of {$37.00} is absolutely inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: BROKER SOLUTIONS, INC.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We had a home loan on a condo with New American Funding that was paid on time every month for over 3 years. We then sold the condo because we bought a house and once we closed on the condo the loan was paid off in full to New American Funding on XX/XX/2021 which was immediately reflected in our account. Two days later we saw a pending transaction in the amount of the past monthly mortgage amount, so we immediately called New American Funding and was told the transaction was not likely to go through because there was a {$0.00} balance so it couldn't go through. The transaction did go through so once again we called New American Funding to let them know and we were told it would be refunded by Friday XX/XX/XXXX or Monday XX/XX/XXXX. It is now XX/XX/XXXX and we called them because we still have not received the refund and were told it would take longer because they needed to process the request before they could write a physical check to mail out. We told them that is not acceptable because of the financial burden it places us in, and because they had no right to take that money in the first place. They didn't care. We will be contacting our lawyer about it if we don't have our money that they stole from us back by the end of the business day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Portfolio Recovery Associates owns an account of mine purchased from XXXX XXXX, account # XXXX. They have listed this same account on my report twice once under Portfolio to XXXX and the other as XXXX XXXX to XXXX with variation of the same account number. I have disputed this several times and it has not been corrected. This has caused me to be denied for credit! Additionally, the instance reported to XXXX is factoring as an open account when it is a collection! This violates the FDCPA and because it does if it is not removed I will sue!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I had an XXXX  loan serviced by Bank of America. I sold my property on XX/XX/2021. The day after the sale, I called Bank of America customer service to inquiry about the status of my escrow account, which they told me they would close and issue me a refund check for any remaining balance. I waited for almost a month and I received two correspondence letters from Bank of America ; one stating my loan was paid off, the other regarding the balance and closure of my escrow account, but NO check was received. I called Bank of America customer service to let them know I never received a check in the mail, and was promptly told that it was either delayed by the post office or it was lost in the mail. They cancelled the check and reissued a second check. I wait another month, and again I received nothing in the mail. I called Bank of America customer service again, and again they told me it was either delayed or lost or just to keep waiting. I asked if they could transfer the funds into my Bank of America checking account instead and was told that they could not, and they could only issue a paper check for closed accounts. I decided to go into a branch and speak to a representative in person. I told the representative my situation and provide documentation for everything. I told him I have waited 2 months for these funds, and I will be closing on a property in 3 weeks and that I needed my money for closing. The representative called Bank of America customer service and worked with another agent over the phone. He asked that the funds be transferred to my checking account because it has been 2 months and I am in dire need of my money. I was told that my funds would be deposited into my checking account within 3 business days. I waited 4 business days and checked my account everyday, and I still have not received my escrow funds. My loan was officially paid off as of XX/XX/2021 according to Bank of America. To this date, it has been 61 days or 45 business days and I still have not received my money or an adequate answer to where my money is or when I can expect my money to be returned to me.

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 2020-11-02
Company: ID Analytics, 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: Information belongs to someone else

Complaint:
There are currently numerous accounts and inquiries listed on my credit report that I have no knowledge of. These accounts and inquiries weren't initiated by me and is a result of identity theft or malpractice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: Bread Financial 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: Information belongs to someone else

Complaint:
To whom it may concern : I am XXXX XXXX XXXX and the reason I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX,2020 XXXX XXXX,2020 XXXX XXXX,2020 XXXX XXXX,2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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: Investigation took more than 30 days

Complaint:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: Voss & Klein, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX I received a letter from Voss and Klein attempting to collect a debt the amount was insufficient. I stated to them the collections amount was wrong and thats not my account I tried disputing it it did not come off. I asked the collections agency Voss and Klein to stop contacting me about a debt thats not mines they continue to call and harass me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount Owed : {$300.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount Owed : {$2900.00} Account Name : CAPITAL ONE BANK  USA N Account Number : XXXX Amount Owed : {$500.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount Owed : {$300.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount Owed : {$2900.00} Account Name : XXXX XXXX   XXXX   XXXX XXXX  Account Number : XXXX Amount Owed : {$110.00} Account Name : XXXX XXXX Account Number : XXXX Amount Owed : {$180.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We are requesting your assistance with PNC Bank located at XXXX XXXX XXXX  XXXX, OH XXXX. PNC Bank has violated the terms of our mortgage agreements, and we believe, are also in violation of the Truth in Lending Act of 1968. 

We are requesting your help in resolving the issue outlined below as soon as possible, and reprimanding PNC Bank for their callous handling of this matter. Our hope is they will not continue to treat other less resilient consumers this way. 

We are a retired couple with excellent credit who decided to refinance our primary resident in XXXX of XXXX to take advantage of the low interest rates available. We did not agree to an escrow account. And, we had not had one for decades because of our excellent credit and prompt payment of all our bills. It was also part of our selection criteria for the mortgage company we chose for this refinance. 

However, our mortgage was sold to PNC Bank, who apparently believe they are excused from following legal documents. And, feel they can use heavy handed methods and discourtesy to consumers to ignore their obligations. 

Here is an outline of events with reference to supporting documents : 1. On XX/XX/XXXX we refinanced our primary residence with XXXX XXXX XXXX, XXXX ( See Attachment 1 : HUD1 Closing Disclosure ). Included in the closing documents is an Escrow Waiver with XXXX XXXX XXXX, XXXX as a condition of our refinanced mortgage with them ( See Attachment 2 : Escrow Waiver ). 
2. PNC Bank purchased the subject mortgage from XXXX XXXX XXXX, XXXX and unilaterally added escrow payments to our mortgage bill in violation of the terms and conditions of our mortgage agreements. Our PNC Bank Account Number is available on request. 
3. My wife XXXX XXXX has made several contacts with PNC Bank to have the monthly escrow charge removed but without any success. She explained the apparent error to PNC Bank, and complied diligently to their requests for supporting documents to resolve the issue. On XX/XX/XXXX she submitted the documents requested by PNC Bank ( See Attachment : 3 Escrow Removal Request and Attachment 4 Escrow Letter ). 
4. We received a letter from PNC Bank Escrow Analysis Department dated XX/XX/XXXX ( See Attachment 5 PNC Bank Letter ) stating they would not : approve your request due to the following reasons. However, the reasons are not stated in the letter. 

We are demanding PNC Bank to stop this fraudulent behavior, stop collecting escrow payments from us immediately, and refund to us any escrow balance. We are further asking PNC Bank to comply with the terms of the mortgage agreements and stop making unilateral decisions to the detriment of the general public. 

We are available to provide any further documentation you may need and to answer any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: Essential Retrieval Group
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I was called today by this company and told there was a civil suit against me. I have nothing in collections or past due for that matter. Tonight on the same day my ex wife ( we've been divorced for XXXX years ) was called by the same person and left the same message.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-01
Company: EQUIFAX, INC.
State: AL
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 just obtained a copy of my credit report and I was very surprized to see several unauthorized account that I had no prior knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is my second claim against this company I was lied to after I distinguishly pointed out the errors in the caculations of the square footage of my home along with the incomparable comps submitted I have not recieved any fairness that I deserve as a customer. The facts are proven in the appraisal report it was bias. Along with the rude treatment from wells fargo employee and the desrepectful accusation comments made in the comments in the apprasers report stating that I did not need a loan. There is a loop hole in this system and the money that I gave to Wells Fargo totalling XXXX should be refunded back into my account. Due to fraud lies and misuse of a work trusted into the hands of a representative who does not evidently believe that numbers are the true facts of survival or Wells Fargo representation and reputation has been truly compromissed and they don't care.

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 2021-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with explanation