BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-20
Company: Cornerstone Home Lending Inc.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I am refinancing an existing USDA loan from Cornerstone Home Lending , Inc., existing lender ( Company NMLS XXXX ), to XXXX XXXX ( the new mortgage company ). A payoff statement was provided on XX/XX/XXXX that had the below payment information ( it is attached ). The original payment amount was {$260000.00} through XX/XX/XXXX with a daily per diem of {$34.00} per day for any funding date after XXXX. By adding an additional 13 days of per diem interest through XXXX, XXXX collected a total of {$260000.00}. XXXX and the title company wired the {$260.00}, XXXX on XX/XX/XXXX and should have been enough money until the end of XXXX. That should have allowed for another 3 days for the funds to arrive to Cornerstone without being short. 

The payment was rejected, I am still not completely unsure why but supposedly there was an escrow shortage. I confirmed with Cornerstone that I had a positive escrow amount remaining of {$140.00}, therefore the payment was incorrectly rejected. See math below. 

Payoff Statement XXXX Payment due by XX/XX/XXXX = {$260.00}, XXXX + {$34.00} * 13 days = {$260.00}, XXXX {$260.00}, XXXX was good through XX/XX/XXXX according to the Payoff Statement from XXXX and the money was forwarded on XX/XX/XXXX, providing three days of additional interest above and beyond what was sent. 

My escrow amount has a positive balance of {$140.00} and was not short. The payment should not have been rejected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2019, my checking account ending in XXXX was overdrawn by {$500.00} including 4 overdraft fees of {$35.00} each for the debit transactions of {$150.00}, {$21.00}, {$89.00}, and {$100.00} from XXXX. Because of these fees, I was not able to make deposits to cover the debit balance in full for the next two months resulting in closure of my account because I live paycheck to paycheck. I had to suffer a lot mentally due to this action on the part of the Wells Fargo Bank, because not only was I not able to get my paycheck on time from the employer, but also I had to pay extra fees to other third-party merchants for check-cashing services. I would, therefore, ask the Bank to refund my overdraft fees at the very minimum to compensate for my hard earned lost 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 2019-01-13
Company: GREAT LAKES
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
On XX/XX/2018, I mailed a letter to Great Lakes loan. In the letter I asked to make extra payments in exchange for the letter of indebtedness. The letter of indebtedness is the Mastery Promissory Note. I have doubts about this loan and whether or not it belongs to me. Great Lakes responded to my letter dated XX/XX/2018, informing me of the numerous options for paying the loan. Then Great Lakes loan suggested that I logon to student loans.gov to obtain the Mastery Promissory Note.

I did what Great Lakes loan suggested and I logged on to  studentloans.gov. I clicked on Mastery Promissory Note which read No Record Found. I mailed a second letter on XX/XX/2018, asking again for the letter of indebtedness ( Mastery Promissory Note ). Also I attached my results found on student loans.gov. Great Lakes response dated XX/XX/2018, saying they need clarification of what Im asking for. I believe that Great Lakes loan is giving me the runaround about the Mastery Promissory Note. I cant seem to get a straight answer with them. I want proof that I owe this loan. I want to see the alleged signature that I signed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: DISCOVER BANK
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 accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine. 

6. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 375 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2020-02-02
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX, 2019 I sent a certified letter to XXXX, Equifax and XXXX informing them that there were 2 accounts on my reports listed by XXXX XXXX. Neither of these accounts are mine. I have called the original creditor and the info wasnt a match for me. I have never lived where they had these 2 accounts. These accounts need to be removed as they have kept me from getting a car loan. I have called the credit reporting companies and get the run around I have been sending letters for 5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My personal information is reporting incorrectly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA 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 non-monetary relief
Consumer complaint received 2019-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Inappropriate probably illegal handling of deposits via Capitalone App. 

Executive Summary, I proceeded to deposit a bank draft to my CapitalOne 360 Checking Acct, Deposit was successful as per their email communication instructing me to destroy the deposited check ( see Attached copy ), after 2 days the credited amount is debited, over the telephone they tell me " Bank refused payment ( of a bank check? ), they mail to me a copy of the check in their files ( see Attached ) that demonstrates a smear in the data transmission of the deposit via XXXX App, they request i resubmit deposit of the same check they instructed me to destroy ( again see Attached ), we continue over the course of 1 month through various escalations, to no avail - final position by a " XXXX '' that informs me they will not credit my checking acct. of the amount deposited for which they themselves sent me an email stating that the deposit was successful instructing me to destroy the check Bottom heavy infrastructure but " middle management '' as well in Customer Service with the arrogance of unchecked decisional power on one side. 
On the other inappropriate handling of deosited funds, amounts inappropriately withheld - for this I believe this body or FDIC should take action independently and above and beyond Capitalone communications with me Specifics : XX/XX/XXXX : deposit of check using latest version of Capitalone XXXX App XX/XX/XXXX : e-mail communication from Capitalone confirming deposit and instructing me to destroy draft ( see Attached ) XX/XX/XXXX : deposit reversed and deposited amount debited, no communication to client XX/XX/XXXX : first interaction with Customer Service, " XXXX '', I ask for copy of deposited bank check intheir files, which they send me by USPS ( see Attached ) XX/XX/XXXX : last interaction with Customer Service, " XXXX '', in which he informs me their decison will not be reversed, furnishing no rationale or explanation Again, above and beyond Capitalone interaction with me on this matter, as prompted by this complaint with your Office, I request this body to proceed with a formal assessment of CapitalOne actions in this matter, that amount to inappropriate appropriation of funds following problems with their software I thank you in advance for your interest in this matter Please do note that the 2 Attachments mentioned in the text above, in spite of being of accepted formats and sizes as per your instructions, do not upload to your site - do feel free to contact me as appropriate should you need any further info or the Attachements themselves - Capitalone obviously has them and i requested them to maintain these records Sincerely XXXX XXXX, XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Student Loan had been in " OK '' standing since XX/XX/XXXX As of XX/XX/XXXX,  my account was 90 days past due. I called and corrected the issue, however, that report after six years of " good standing '' dropped my credit score 178 points. That point drop seems excessive after six years of good standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$25000.00}

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 2021-07-14
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My XXXX card is appearing on my credit report but not on the " Personel Finances '' section of my Experian membership. 
I called and a XXXXr named XXXX said I had the wrong information on my credit card. I asked him to hold while I confirmed on my XXXX account that the information was correct. He sounded frustrated and like he wanted to go ... then he hung up on me. I had been on the phone for about XXXX an hour before I finally was able to get a supervisor. 
He never called back. 
When I opened my profile on the XXXX account, my information was correct. So why is it now showing on my finances section? 
I tried to " Connect '' the account manually but the experian system does not recognize XXXX ... the bank for XXXX cards.

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 2021-10-08
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In the recent days I received mail stating i was to be in XXXX session for a court hearing for an amount of XXXX. I am not sure if all this is a type of scam. When I called the number on the paperwork, the represenative that answered was rude and hung up on me. The prompt said the call was being recorded. I did look up this company Blitt and Gaines and it looks to be a debt collector. I am a Military Veteran and I have heard of so many scams going on. Please help. All the best, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: Credits, Incorporated
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Credits Inc has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX entered into a consumer credit transaction with XXXX several years ago. A consumer transaction that i never gave any written consent to report anything on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
SOMEONE USED MY PHOTO ID AND SOCIAL TO OPEN THIS FRAUDULENT XXXX XXXX XXXX XXXX I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX TransUnion  and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After a kohl 's account was charged off, because their collector told me I may get sued, I settled the account. I spent many months working on this with a company called XXXX XXXX XXXX. They have failed to update the account as settled, which it is, and they have failed to respond to my disputes. Kohl 's is still reporting the card with a balance, which is clearly inaccurate. They are willfully causing me damage by misrepresenting the facts on the account. Please make them remove the account entirely from my credit report because they have reported it inaccurately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I want to link my Capital One checking account with XXXX. They are blocking access. I was instructed that I have the right to access my financial information and to file a complaint here. They allowed me to connect with XXXX, but not with XXXX. I think this is completely unfair and possibly illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: Pendrick Capital Partners Holding, LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I went to the emergency at XXXX XXXX XXXX   Hospital from a XXXX XXXX. The following month I received a bill of {$270.00}. I forwarded the bill to to owner of the dog because they said they will take care of the bill and they give me a check of the said amount and I took is personally to the hospital and it was settled on XX/XX/XXXX. Since this payment was made I never ever received any other bill or calls letting me know of any unpaid billof {$280.00} at all. I have been working on building my credit by making all my payments on time for the past six years. Last year around XX/XX/XXXX I received an alert that my credit history had drastically gone down. I launched a dispute through XXXX   to determine what was wrong with my credit and they investigated and informed me that I had a bill that was not paid for XXXX XXXX XXXX Hospital. I called the collectors XXXX XXXX XXXX XXXX to find out about this said amount and advised me to find out from the hospital. Therefore I personally went to the hospital and they checked their records and said that I didn't have any unpaid bill unless if it was for the emergency physician Dr . They gave me a No. to call for physicians billing department. I called them and they also said that they could not find any unpaid bill with my name with them. I called the collectors and they explained to me that they were directed by a company called Pendrick capital Partners whom they claim were the purchasers of the physicians company. I asked if anybody called or wrote a letter to inform me of this unpaid bill of {$280.00} and they could not give me any answer. I was very absent and disappointed and asked them why nobody including the XXXX XXXX XXXX XXXX ( collectors ) nor Pendrick Capital Partners ever informed me of this unpaid bill before they forwarded it to my credit report. The letter that was issued was after my phone conversation with XXXX XXXX XXXX for collection which was to cover up that they wrote a letter earlier trying to recover the unpaid bill received after my phone call on the XX/XX/XXXX claiming the legal time had expired. In the first place how can they say they made attempts when I NEVER received any letter to inform me of the bill. This letter they just issued is the first I ever received. Why would they claim they made attempts and why could they issue a letter like they did after my phone call and after damaging my credit history. I have always paid my bills on time and this could not have been an exceptional. I need an explanation why nobody informed me of the said bill? Legally there should have been attempts either through writing or phone calls made informing me about the unpaid bill and to my dismay no efforts were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, WA XXXX Sent me a bill offering to accept 50 % of the amount owed to XXXX XXXX XXXX XXXX XXXX XXXX service XXXX XXXX Account I do not have, nor have I ever had, a XXXX XXXX  account or any account with either XXXX XXXX XXXX, or XXXX XXXX While XXXX XXXX XXXX may be a legitimate company, the loan itself does not exist and has never existed.

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