BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Capital One has put a late payment on my credit from XX/XX/XXXX. I was hospitalized for that entire month and the payment had been sent via mail however they had not processed and I had no notifications. Once out of the hospital everything got cleared up however they still hit me on my credit report as a late payment, I have never had late payment with them and still have the account open. The account has been established since XXXX XXXX XXXX has put 2 lates on my credit report XX/XX/XXXX and XX/XX/XXXX. I was involved in a lawsuit and in order to accelerate and end the lawsuit I was forced to not pay the mortgage as the other party kept making me make payments for a house that was no longer mine. We had an agreement with the party that title will be moved over at his name and he would take the mortgage and refinance me out within 6 months. I had no interest on the property and the other party needed to get it off my name. It went 6 months or more and nothing was done so I had to do a lawsuit. The mortgage company was aware of this and said its ok. Now I am hit on credit due to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02
Company: EQUIFAX, INC.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX Acct # XXXX ..XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX  Acct # XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
The credit bureau Transunion is not complying with their own policies in a timely manner. I submitted a dispute via mail over 30 days ago on XX/XX/ as well as a follow up letter on XX/XX/ to remove negative and inaccurate items on my credit report and i still have not received a response.

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 2021-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a Capital One 360 account in XX/XX/XXXX. The agreement was that there was a {$400.00} bonus if I enter promotional XXXX. 
https : XXXX Received at least 2 direct deposits totaling {$1000.00} or more to your 360 Checking account within 60 days of account opening. A qualifying direct deposit is an Automated Clearing House ( ACH ) credit, which may include payroll, pension or government payments ( such as Social Security ) by your employer or an outside institution. I did all of this. 

Capital One has denied me the {$400.00} bonus stating that, " I had opened another Capital One 360 '' checking account. I never did this. The misunderstanding is due to the fact that I had opened, back in XXXX, an XXXX XXXX account. This was not a Capital One account. Then at some point in time, Capital One took over XXXX XXXX. The old account became a Capital One account. But I never opened an account with Capital One. 

In fact, I thought that the XXXX XXXX account was closed and somehow Capital One kept it open for 5 years with only 1 cent in the account???? It's clear that I never used the account and it just sat there. So when I found out about it in XXXX, I had the account closed. They are stating that I missed the cutoff and I had a previous Capital One account so I'm not elligible for the bonus. But it's due to their own error ( XXXX cent ) and keeping an account alive for several years that I was not aware of. 

I would like to be a Capital One customer and I would like my {$400.00} bonus manually applied. 

I called on XX/XX/XXXX and explained all of this. I was told that the bonus may hit that very evening, so I should wait and see and then call back if it didn't happen. 

I checked again on XX/XX/XXXX and seeing no bonus, I called again. I eventually was put through to some gentleman that identified himself as " management. '' I reexplained the entire ordeal, and he seemed indifferent, really didn't care too much, and told me that due to the other account being open I just missed the cutoff and he could not apply the bonus. I don't think this is fair because I never opened a previous account with Capital One. It's not my fault that they took over another bank and converted an account from that bank. 

Please apply the {$400.00} bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-09
Company: Netspend Corporation
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2018 my account was compromised by theft by a debit card at a XXXX XXXX XXXX XXXX in XXXX TX. There was merchandise purchased in the amount of {$540.00}. I do not have a XXXX 's jewelry account and I did not purchase merchandise from XXXX XXXX XXXX. XXXX TX is over 300 miles to my home in XXXX TX. I am desperate for your assistance. The monies that was stolen from my account was for my electricity bill and it will be shut off if these funds are not returned to me. I have filed a police report, I have contacted Netspen & XXXX XXXX ( same company ) and I have contacted XXXX XXXX XXXXXXXX   and no one will assist me. I have given them all the information I possibly can and no one can give me answers to who took the funds from my account. XXXX XXXX XXXX tells me it's Netspend job to start and investigation and Netspend says XXXXXXXX XXXX XXXX has tell me what information they need. Please help me I am a single mom and I am in dire need of the CFPB.

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 2019-02-06
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have continually asked the bureaus to remove two accounts from this collection agency that harasses myself and my family. They create fake accounts without validation and proper handling of disputes and they are all over the internet scamming people. I have disputed this account many many times and sent over my medical information with no response except more calls and voicemails. I am not responsible for any bills and any bill was never sent to me to verify, dispute or even be aware of. I ask that this company stop contacting me and they refuse and say they will ruin my life and my credit and they put collections on all of my credit reports and say they can keep it 10 years. they only want full payment, even after i send letters and paperwork back with insurance claims aleady paid. 


these accounts never had bills and never waited a fair amount of days before putting this collection against me. They said they dont care and they straight only put collection. 

this is too old and almost 10 years ago, why are they pursuing me? I dont even have that same insurance that covered back then. 

they claim I owe {$820.00} and {$200.00} accounts number # XXXX and # XXXX ( FAKE ACCNTS )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Main problem is with Wayfair -Commenity Bank : A payment was purposefully sent prior to the end of the promotional period on XX/XX/2020 in that amount of {$280.00}. It did not apply. This incurred. me {$190.00} off promo plus another {$48.00} fee. This I had been making multiple large payments to pay this bill off starting in XXXX the original amount was between $ XXXX. Literally I paid over {$660.00}, and now the want {$360.00} more. 

I fell that the off promo is a scam and if you wait to pay it off the last month before the back interest they will purposefully slow down posting payments. 

The fees are also ridiculous. 

$ 28.9 % interest should be illegal. We used to call that loan sharking. There should also be a limit and payments have to be posted and be processed in 24 hours of receipt! The are taking my money and not paying my bills!! 
2nd problem with Come its I called and got through only once. Sent 2 emails. 

Secondary problem Same creditor but different card-Comenity-XXXX I made the mistake of opening a card buying in a XXXX store and never received my card or bill! Also they have wrong address, one I lived in 5 years ago! It was supposed to be fixed after I called to get it fixed and can not get back through. No bill no card!! bad credit. These people are ruining me. 
With the COVID19 I cant fix XXXX account in person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-09
Company: United Collection Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
This company hired XXXX XXXX to call and claim they are processing a claim against me by XXXX for a lease contract from 5 years ago. This contract is beyond the statute of limitations in the state of California. XXXX XXXX also contacted my father and mom before contacting me and gave them all the information about this case they claim they are opening against me without ever reaching out to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Carter young Inc has put a debt that I do not owe them on my credit reports. I have never had any type of contract with this company. I asked them to send me info with my signature showing I signed something with their company and they never provided anything because I do not owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: Ability Recovery Services, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I checked my credit last month and discovered a new collection. I had never received any letters stating I had a balance from the original creditor or the company that bought the debt. I called and spoke with Ability recovery service who told me the account is from XXXX XXXX XXXX emergency from XX/XX/16. On XX/XX/16, I did have a visit with XXXX XXXX. The visit was billed to my primary insurance XXXX and my secondary insurance XXXX  XXXX. The visit was billed past timely filling and both insurances denied the claim as timely filing and left XXXX patient responsibility. XXXX XXXX, in particular, is a government plan and it is illegal to bill amounts not approved by XXXX  XXXX on the explanation of benefits. I have attached my Explanation of Benefits from my insurance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Early Warning Services, LLC
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:
I applied for a checking account with both XXXX and XXXX XXXX XXXX on XX/XX/XXXX and was denied due to incorrect reporting of a fraudulent account that was proven to be fraud by XXXX Police Department. The police report number is XXXX. I disputed the information with XXXX XXXX XXXXXXXX but they have yet to delete the fraudulent account from my credit. I have a pending lawsuit against XXXX XXXX XXXXXXXX for incorrect credit reporting. 

The report sent to XXXX XXXX XXXXXXXX on both XX/XX/XXXX and XX/XX/XXXX : I stored my personal items at a friend 's house because I was XXXX for a few months prior to relocating to college in XXXX, XXXX. I went to XXXX XXXX XXXX on XX/XX/XXXX in XXXX, XXXX to be added to my aunt 's checking account as an authorized user and was told there was an account on my XXXX report from XXXX XXXX XXXXXXXX that was reporting fraudulent activity at an address I have never lived at ( XXXX XXXX, XXXX, XXXX ). I filed a police report in XXXX, FL, where I currently reside, because I suspect the tenant, XXXX XXXX of XXXX, GA, stole my identity, then used my information to open an account without my permission. The account was opened in XX/XX/XXXX, according to XXXX report. I attached my IG with my Georgia address, the only address I've ever lived. XXXX XXXX XXXXXXXX Replied stating they would not remove the account and expected payment because an individual walked into the bank on XX/XX/XXXX and opened an account with my ID. My ID and SSN card was stolen, as I stated above, and even after I provided XXXX XXXX with the identity theft criminal report case number from XXXX Police ( XXXX PD Criminal Report # : XXXX ) upon request, the account still has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: ProCollect, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pro collect has been sending me collection papers for the amount of XXXX and the collect is past due, I do not know this company and have no affiliation of any kind

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Numerous attempts have been made to get this error corrected. I entered mortgage forbearance XX/XX/XXXX and was approved and continued through XX/XX/XXXX. In XX/XX/XXXX I called to discuss options upon the completion of my forbearance XXXX XXXX. While discussing options with the rep, I decided to go with the deferment of all payments, including escrow, through XX/XX/XXXX to begin repayment on XX/XX/XXXX. I then received notice that my repayment would begin XX/XX/XXXX - an error had been created on the mortgage company side - this was confirmed when another rep listened to the previous phone call. Due to their error, they are denying XXXX XXXX  to be included as originally agreed. I never agreed to begin payment in XXXX XXXX Again, this was confirmed with a check of the phone call from XXXX. I have attached the approval for the forbearance through XX/XX/XXXX and the denial to include it after requesting the error be corrected. I have also included the statement where the payment was to begin XX/XX/XXXX. I have continually requested an override of their error to no avail. I have been promised return phone calls and they have not been received. I need their error to be corrected so that I can make my XX/XX/XXXX payment. If I make my payment now, it will be applied to XXXX XXXX XXXX They have also charged me late charges and continue to call me for the XX/XX/XXXX payment - violating the Cares Act and my approved forbearance. I agreed to make payments beginning XXXX XXXX XXXX  and not before. I demand they correct their error and correct my account to begin payments XX/XX/XXXX as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Caliber Home Loans, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I am writing to request clarification and possibly legislative action to : 1. Stop the practice of Lenders to falsely require a loan to be in default of at least 30 days before they can provide payment plan alternatives, including COVID-19 related relief. This happened to me when I first contacted my current Lender. In my conversation with the agent when I was asking for clarification around applying for the Forbearance program under the CARES act I was told specifically that I should first make sure I was 30 days past due on my current loan otherwise they would not have been able to process any options. Clearly a falsehood and it would have tagged me right away as in default and kept me so in their records for the full extension of the program and possibly beyond. Luckily I did not trust the conversation and applied regardless of my " current '' status.

2. The initial approved Forbearance period is granted for only 90 days. Not the full 180 days as defined by the CARES act. This is a point of clarification that needs to be made on whether the Lenders have the latitude to decide on their own what the initial approved plan length or extensions should be. If this is not how the law was intended to be enacted it should be clarified and enforced asap. 

XXXX. The latest update to the XXXX XXXX XXXX is a bit ambiguous. " If your mortgage is backed by Fannie Mae or XXXX XXXX : You may request up to two additional three-month extensions, up to a maximum of 18 months of total forbearance. But to qualify, you must have received your initial forbearance on or before XX/XX/2021. Check with your servicer about the options available. '' This language leaves some room for interpretation of the meaning of " ... received ... on or before XXXX XXXX ''. If I have a letter of acceptance into the plan dated on or before that date, but the next due payment is in XXXX or XXXX of 2021 does that disqualify me from being able to take advantage of the new extension rules? 

Thank you for your time in considering the above. 
I hope this finds you and your family healthy and safe. 

XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened a Citi XXXX  XXXX Mastercard account in late XX/XX/XXXX. I received an offer confirmation letter dated XX/XX/XXXX stating the following " Effective XX/XX/XXXX, the promotional Annual Percentage Rate ( APR ) of 0.00 % applies to each transferred balance made under this offer until XX/XX/XXXX. '' However, they began charging me interest in XX/XX/XXXX. I contacted the company at XXXX and spoke with XXXX about the error & she said they would not be able to reverse the interest charges unless I printed out a copy of the Offer Confirmation letter account & send it to them through the US mail. Now, they already have a copy of this letter & it is also viewable & available for download on my online account. Please see the attached Office Confirmation letter dated XX/XX/XXXX and my latest statement dated XX/XX/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 2018-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2018 I registered with a third party company which checks eligibility to apply and get approved for credit cards. Unfortunately they applied for several credit cards from capital one on XX/XX/XXXX XX/XX/XXXX and XX/XX/2018 without my consent and because the request was denied I'm left with multiple hard  inquiries on my credit report which is affecting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have a student loan with Nelnet that I started paying in 2012. At that time, the monthly payment was {$220.00} per month for more than three years. Then, without any notification this increase to {$330.00} per month. Now Nelnet increased to {$370.00} a month. This is a high amount that I have had difficulty paying. I contacted Nelnet and they did not give me any convenient option to make my payments in an affordable way. In addition, they informed me that the loan will be paid in full within ten years from now and this was the same information I was given when I started making my payments in 2012. The total of my debt is {$25000.00} and in ten years I'll end up paying about {$45000.00}. Nelnet must provide accurate information about the payment plans and respect the established conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: EQUIFAX, INC.
State: OH
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation