BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Today XX/XX/XXXX on credit karma a Hard inquiry for capital one appeared on my XXXX & XXXX report. I have not contacted company and have no accounts. CAP1/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have applied for a credit card through XXXX XXXX. They use Synchrony Bank. I was denied a card based on " unfortunately, based on results of these checks ( social security, address ) we are unable to confirm your identity with enough confidence to approve your application at this time. '' I have an XXXX credit score and have credit cards through J.C. Penny 's XXXX XXXX XXXX and Lowes ALL OF WHICH ARE ISSUED THROUGH SYNCHRONY BANK. 

Their actions have adversely affected my credit rating. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
While I was working at my past employer from XX/XX/XXXX-XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, I called Navient known as XXXX XXXX that I was having difficulties paying my student loan debt. I asked if they have a programs on reducing payment, consolidating, etc. I was told that my situation that I should do a Forbearance. They never gave me an option on changing the amount, etc. They also did n't tell me that I would be charged on interest. Also, XXXX College I was attending from XX/XX/XXXX-XX/XX/XXXX and my company was paying for my tuition. I 'm starting to wonder if they gave back the financial aid. As of today, I have done a short forbearance and lowered my payment balance, but they assume that I can pay each month {$220.00}, which on top of that I have loans from XXXX XXXX that are {$1000.00}. I asked to go to an income based plan, because I am married. My husband will not pay for the loans. I have a daughter and I 'm currently making a year {$52000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am writing to contest the additional fees ( {$1500.00} ) being charged by QLMS for my refinance. I feel QLMS totally dropped the ball on this and purposely delayed the closing of this loan to nickel and dime me at the last minute and put me in a corner. 

I reviewed and approved the Closing Disclosure Package ( attached ) sent out on XX/XX/XXXX and was expecting to have this wrapped up shortly thereafter. I was then notified there was an issue regarding a lien that did not even exist as of XX/XX/XXXX as notated in the attached document provided by XXXX XXXX. There was a week of back and forth from QLMS about an issue that was not even real or true. They said they could not close the refi until the issue was resolved which there was no issue to resolve. QLMS clearly dropped the ball on this issue as they received these documents and confirmation directly from the title company and it had nothing to do with me. I was expecting to close on XX/XX/XXXX with funding on XX/XX/XXXX as notated on the closing disclosure provided by QLMS which I reviewed and approved on XX/XX/XXXX. There were some delays, which were of no fault of mine, and then I was told on XX/XX/XXXX that QLMS did not have the correct Payoff Statement from my current lender. Again, no fault of my own and clearly QLMS dropped the ball on this. Now QLMS is trying to charge me, XXXX {$1500.00} XXXX as noted on the attached Redisclosure Package XXXX XX/XX/XXXX XXXX, for their mistakes and lack of professionalism. This totally unacceptable and clearly part of their process in hopes of cheating potential clients for a few dollars more. I feel they are in violation of the law with these bait and switch tactics. 

In addition, I was told to not make my payment to my current lender since funding was supposed to be on XX/XX/XXXX. Now, it is XX/XX/XXXX and QLMS is no where near completing this refi and I am now late for my XXXX payment. I will have an additional expense because of the late payment which again was no fault of my own. I am extremely frustrated and unhappy about the way I am being treated and the way QLMS does business. 

I expect QLMS to honor the totals on the attached Closing Disclosure ( XX/XX/XXXX ), as required by law, and to close this loan ASAP! Again, the delays were of no fault of mine and therefore I should not be penalized. 

Please confirm receipt of this email and let me know if the only option is to cancel this refi as I am not willing to pay for the mistakes made by Quicken Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Experian Information Solutions Inc.
State: VA
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 XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received verification of the inaccurate items.. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states failure to investigate items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2022-11-19
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Incorrect information is showing on this account and continues to be reported to the credit bureau. This was a joint account that was resolved and should be removed/not reported anymore. Information being reported is different for each agency which is causing inaccurate information to be shown on my file. Please remove this inaccurate information as it is fraudulently being reported to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am writing to dispute the following information that appears on my consumer credit report : After numerous attempts to try and resolve erroneous reporting on my credit report. I am left no choice but to escalate these matters. 
Experian, XXXX  and XXXX  continue to report inaccurate public information on my credit. 
As a victim of Identity fraud. I have been working diligently to correct any misrepresentations on my credit report. 

The issues at hand involves a Dismissed chapter XXXX bankruptcy case on my report. I have looked this over and have found many inaccuracies with the reporting among the three above mentioned companies. 
The reporting date for this matter is XX/XX/2019 Therefore under the CFPB guidelines afford to me. I am asking that this be removed from my account for each agency. 



Thank you for your assistance.

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 2020-11-18
Company: EQUIFAX, INC.
State: VA
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 XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received verification of the inaccurate items.. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states failure to investigate items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Misinformation has been placed : Incorrect address, Telephone number, Name, and Information. I need this to be investigated and fixed immediately! 
Here is the list of all the account : 1- XXXX  XXXX  Account # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX 3- XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) Account XXXX XXXX 4- XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) Account # XXXX 5- XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) Account # XXXX 6- XXXX Account # XXXX 7- XXXX XXXX XXXX XXXX Account # XXXX 8- XXXX XXXX XXXX Account # XXXX 9- XXXX XXXX Account # XXXX 10-SXXXX  Account # XXXX XXXX Account # XXXX 12-XXXX  Account # XXXX 13-XXXX  XXXX  Account # XXXX 14-XXXX Account # XXXX 15-XXXX XXXX  Account # XXXX 16-XXXX Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I am writing to DISPUTE the balance of this loan. I am asking that i get the original signed contract to VALIDATE this loan is actually mine. I do not agree with the balance listed after repossession.

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 2017-12-09
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Did Wells Fargo pull a bait & switch by changing a 15-year mortgage to a 30-year mortgage at a higher interest-rate? Over the term of the loan, total interest payable was increased by {$160000.00}. It is a sad tale of nonexistent emails, lost documents, discovered exhibits, mysterious sentences, secret guidelines, disappearing taxes and bad math. Really bad math. Wells Fargo based its action on numerous misstatements of fact, having the effect of understating income and overstating debt in the critical debt-to-income ratio. More importantly, when Wells Fargo last month finally disclosed how it computed its final DTI ratio, it became apparent that the monthly amount it allowed for the 30-year higher-rate mortgage was more than sufficient to pay the 15-year lower-rate mortgage. Yet, Wells Fargo approved only the 30-year loan and denied the 15-year loan. While it is unclear whether Wells Fargo made these many mistakes out of intent or incompetence, it should quickly correct its now obvious error out of simple  fairness and to avoid acting in bad faith.

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 2020-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Bank of America Home Loan has been taking unauthorized money out of my Home Equity Loan account # XXXX. I had opened a case with CFPB # XXXX which resulted in BofA correcting my account which reached a good state on XX/XX/2020 and now the unauthorized process of taking money out of my account has started again. I have neither taken this money our nor authorized it and as of today my balance is XXXX instead of XXXX. Customer service is not reachable and my emails haven't produced results. I really don't know if this is fraud or pure incompetence at the bank. I need help correcting this. It should be illegal for BofA to take money out of my account unauthorized and they should have consequences.

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 2017-12-20
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
There is an address listed on my credit report which I have never lived at, and as far as I am aware does not exist in my town. The address is XXXX XXXX XXXX # XXXX # XXXX XXXX XXXX MO XXXX I have contacted the credit Bureau Experian about this several times by letters and phone calls. the response I keep getting is that the address has been verified ( You can not verify an address as mine I have never lived at ) and they can not remove the address from my report because there is an account associated with that address. I asked the " dispute speacialist '' what is the account supposedly associated with that address and was told " they will send me a copy of my credit report and I can find out for myself ''. How can I have an account associated with a non existing address? Today over the phone I was told from the same " dispute speacialist '' that it doesnt matter what address is on my report the addresses do n't matter anyway. If addresses do n't matter to them then why wo n't they remove it? Because it does matter 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 non-monetary relief
Consumer complaint received 2019-06-06
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XX/XX/XXXX - Applied and approved for a targeted bonus offer of XXXX MR points after spending $ XXXX in 3   months. 

XX/XX/XXXX - Statement reflects XXXX MR Points credited to account after spending over $ XXXX in charges. 

XX/XX/XXXX - American Express announces 30 % Transfer bonus with XXXX XXXX with MR Points XX/XX/XXXX - Attempt to transfer XXXX MR Points to XXXX XXXX with promotion for XXXX total via online. The transfer was unsuccessful - I called, and AMEX could not process transfer because MR account was flagged for abuse and needed to legitimize purchases XX/XX/XXXX - Transferred XXXX points from another credit card company to complete transaction and book flight. The trip will be taken XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX - I called to receive a status on investigation and open an inquiry. " Investigation still pending no update but would receive a call in 5-7 business days with more information '' XX/XX/XXXX - Received a call from AMEX. They were unable to provide any ETA on completion of the investigation but could take 6-8 weeks or a " promotional period of 1 year. '' XX/XX/XXXX - Called again investigation is handled by corporate and not MR team. No resolution date was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a " XXXX XXXX '' card with Citi since XXXX. Citi bank closed my account on XX/XX/XXXX without any notice due to " no activity on card ''. The balance was paid in full at the moment of card closure and the card was never delinquent. 

I logged into my Citi account today ( XX/XX/XXXX ) and found the close was since closed. I called Citi customer service and found out the account was closed by Citi on XX/XX/XXXX. I had XXXX XXXX XXXX ( Citi XXXX XXXX XXXX that I earned on the card at the time of account closure, Citi refuses to allow me redeem the point for cash or make any compensation offer.

Here is what I think Citi 's activity falls under UDAAP definition : 1. Despite Citi has right to close my account due to inactivity, Citi should have notified my via first class mail or other written format to notify me. Citi did not notify me nor allowed me to dispute this decision timely. 

2. At the time of account closure, the points earned on the account should be cashed out or transferred to another eligible account. Citi forfeited the reward balance and refused to recredit them. 

Citi advertised XXXX XXXX as the feature of the product and a return of profit to customer, yet Citi closes account and seize rewards without notifying the customer. This is especially unacceptable when there is no wrongdoing on customer 's side ( e.g., bank decides to close account due to inactivity ).

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 2019-11-12
Company: National Collection Systems, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit Management is attempting to collect a debt for XXXX XXXX XXXX College. The debt is for a class that I enrolled in, but then dropped the class online. I did not take the class and dropped well before the deadline. 

NCM and XXXX claim that I should pay {$320.00} for the class that I did not take and they have filed a claim on my credit report. 

I have advised NCM and XXXX both that I cancelled this class. There appears to be a mistake with their online enrollment system. I have asked both organizations to provide proof that the class was not dropped and they have been unable to provide this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: ID Analytics, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I tried to get an auto loan and SageStream reports my credit score at almost half of other credit info services. I tried to go online to get a copy of my report to see why but they require copies of my original ID, SS # and I do n't want to put that out there. They do not offer an easy access to my information online so I can see and dispute its accuracy. But mostly I never heard of these people before and my score is only low with them so I am concerned they do not know what they are doing and they are ruining my credit reputation out of their incompetence.

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 2020-11-18
Company: Convergent Resources, Inc.
State: NV
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:
Investigation took more than 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