BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XXXX XX/XX/XXXX, my XXXX XXXX XXXX financed through Capital One Finance was totaled. XXXX, my insurance provider deemed the vehicle as a total loss and deemed the vehicle 's value at the full value of the remaining loan amount. My loan will be at 30 days late on XXXX XXXX, during the processing of the total loss settlement, I had asked the company to place the account on hold to prevent a negative report to the credit bureau. While they knew the car was a total loss for which they would be receiving a check to pay off, they refused to place my account on hold until the check clears and the account is at zero. 

I am a veteran of the United States XXXX XXXX and I am currently experiencing a financial hardship ; I do not have the means to make an extra payment by XXXX XXXX to ensure there is not a bad reporting to the credit bureau. At this point, I have to make a decision between letting my utilities get cut off or make a car payment. Due to the processing time, my account should have been put on hold or in a temporary moratorium to await process times of pay off my loan. The member should not be held liable for this situation. The XXXX claims department has been in contact with Capital One, so they are well aware of the check/pay off by the insurance company. In fact, the representative read the notes back to me pertaining to the settlement. Based on the fact that it has been documented by both XXXX and Capital One that my car is a complete loss and a payment in full is in transit to the lender, it will cause an unnecessary hardship on me financially. I have worked extremely hard to maintain my good credit with Capital One over the years and I feel this is a predatory lending practice that will cause harm to me. 

I respectfully ask for your assistance to address this unfair lending practice by helping me obtain a moratorium on my account to allow for the insurance payment to process and prevent a 30 blemish on my credit. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: Experian Information Solutions Inc.
State: MA
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: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2021-04-11
Company: Mr. Cooper Group Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The original borrower filed Chapter 7 in XX/XX/XXXX and bankruptcy was finalized and discharged XX/XX/XXXX. The last payment made was XX/XX/XXXX. The owner left the country and transferred property to me after I helped bring property current on XXXX XXXX dues and more than 4 years passed. The statue of limitations on time barred debt passed and she was still insolvent, and unable to pay XXXX fees. I paid over {$60000.00} to bring the property current and stop an XXXX foreclosure. However after the property was transferred to Nationstar Mortgage from XXXX XXXX, they filed a notice of default in XX/XX/XXXX and I believed I was responsible or I would lose the property. I had someone knowledgeable of Loan modifications and foreclosures help communicate on my behalf with Nationstar Mortgage. XXXX XXXX from the non-profit ACCE helped provide contact information for XXXX XXXX, VP of Litigation at Nationstar Mortgage. He was able to rescind the XX/XX/XXXX foreclosure sale. She also provided a contact XXXX XXXX at Nationstar Mortgage who helped facilitate a loan modification. I didn't know that time barred debt was not legally collectible from me or that a debt discharged in bankruptcy could not be modified. Nationstar allowed the modification to the original debtors loan even though she was living abroad. Without her financial information I was able to use my own financial information and added as a co-borrower to the loan modification. The loan never added my name when it was temporarily granted and XXXX XXXX assured it wouldn't be a problem. I thought I was responsible and I made over {$17000.00} in payments covering 9 payments. The original borrower or debtor never communicated with anyone at NationStar. In XX/XX/XXXX Nationstar foreclosed and sold the property to XXXX XXXX XXXX XXXX XXXX. I hired attorneys to represent myself and the borrower not knowing that this was illegal and I was being defrauded by the law firm as well. The original debtor never signed am agreement however she's named in the lawsuit without being present or afforded due process. I've spent over {$300000.00} in legal fees and {$200000.00} in bond payments to XXXX superior court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/18 I opened a BBVA Clear Connect Checking account with Promotion code : XXXX. This promotion is for {$100.00} deposited into checking account after meeting a requirement. I completed this requirement by processing a bill pay to a cable company for {$25.00} on XX/XX/18. The terms of the offer state that the checking account bonus will be deposited within 90 days of meeting the terms. Seeing that it is now beyond 90 days and BBVA refuses to acknowledge this, I am filing a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I contacted XXXX XXXX on XX/XX/XXXX when I noticed a charge. The charge was from XXXX and I had not received the item as scheduled. I tried to contact XXXX, but could not due to the XXXX rioting in XXXX. I thought my order wasn't delivered because of the mess. I emailed and called XXXX. Finally I received a letter from them saying I wasn't billed and the transaction was not completed and to contact the Bank for any issues with funds. I did this and TCF still has not recovered my funds as promised. 
I have been chasing my money since then and TCF won't stop with their errors. They recently changed their banking hours, started back dating debits with no descriptions, charged overdraft fees despite all the mess with their systems and merger. The reps take no accountability at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-20
Company: PENNYMAC LOAN SERVICES, LLC.
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Completed a short sale, received approval to patriciate and gave me a number they wanted for the offer. The Realtor got amount requested, buyer is ready to settle. The lender keeps rescheduling which is postponed each time. I have a buyer ready to go to settlement immediately and the lender is refusing to send the approval prior to sheriff sale. This is the third time they have done this. The buyer has offered appraised value that the lender already said they would accept. Buyer is ready to settle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: I.C. System, Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE IC SYSTEMS IS TRYING TO COLLECT A DEBT I DO NOT OWE. XXXX. 
THEY MAY AS WELL STOP WASTING THEIR TIME CALLING HERE BECAUSE I WILL NEVER ANSWER THE PHONE IF I DO NOT RECOGNIZE THE NUMBER OR IF IT'S NOT A PERSONAL ACQUAINTANCE OF MINE. SORRY SCAMMERS!!!!!!!!!!!

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 2021-02-22
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: Account status incorrect

Complaint:
In XX/XX/XXXX the XXXX XXXX XXXX closed my credit card account, and reopened the account after my request. After the account be reopened the bank never corrected the information that the account is closed by the credit guarantor. As of today, XX/XX/XXXX, the credit agencies, XXXX, XXXX and Transunion keep the information that the account is closed at the request of the credit guarantor and since XX/XX/XXXX, the XXXXXXXX XXXX XXXX  no longer updates my report of credit. After opening a dispute with the 3 main agencies ( Transunion, XXXX and XXXX  ) the closed account information was left unchanged because the XXXX XXXXXXXX XXXX  stated is accurate.

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 2021-05-01
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I changed financial servicing companies as BSI Financial Services lousy service was an issue i moved my account for my home to another institution, my BSI loan was paid in full and confirmed. 

Yet BSI has and is withholding mu refunds as they have again and again overcharged me now owing me over {$620.00} i asked when and why they are holding MY MONEY, the answer was " Yes he got the wired funds and they cleared the banks, but BSI has a " Reputation '' of keeping large sums of monies from people like your self to make more on % until we are forced to refund funds to those we owe '' I find this reprehensible, illegal and demand my over-payment funds be returned to me ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
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 customer service

Complaint:
on XX/XX/20 There were fraudulent charges on my visa credit card. 
I contacted fenfed customer service and they said they would start and investigation into the fraud, and that it would take approximately 10 days for the charges to come off my credit card. 
After numerous calls with out any contact from Penfed. I was the only one contacting them, as of XX/XX/20. they sent me a response, saying that there were no fraudulent charges on my account the the case was closed. 

this is {$1600.00} in fraudulent charges that I am not responsible for. 
I have no other recourse at this point. 
am looking for help in this matter

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 2021-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2021 I check my credit report and it shows capital one bank usa did a inquiry XXXX XXXX I did not authorize this transaction had no idea of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
My credit reports are listing a bankruptcy from XXXX, XXXX  , & TransUnion and all 3 bureaus are saying that XXXX is the furnisher. I wrote XXXX ( on XX/XX/2020 & XX/XX/2020 ) about this issue and ask them to send me verification of this bankruptcy ( that they have from the courts ). They never sent me any proof from the courts or any were else. But the are still being listed as the furnisher of this bankruptcy with the credit bureaus. The courts are the only one who could be be the furnisher of this information to anybody and they basically said, the do not report to any of the credit bureaus or companies like XXXX. I have the letter to prove it. 

Then I wrote XXXX, XXXX, & TransUnion ( around XX/XX/2020 ) about all 3 of them report inaccurate information on my reports about this bankruptcy. The kept sending letters back saying it was verified. I sent them proof of this and they ignored it.

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 2020-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Capital One advertised that I can open a 360 Performance Account, which is a high yield savings account earning 1.5 % and will include a {$500.00} bonus. I have over {$100000.00} to invest. Their website encouraged the opening of the account on XX/XX/2020 but after I gave them all of my personal information, it first said it recognized me but then said it didn't. I called Capital One and was told that because I had an ING account many years ago, their computer has a bug that will not allow me to open the account. 

I emailed XXXX XXXX, CEO of Capital Bank to complain. I received a call yesterday from Executive Customer Care that yes, there is a computer problem and there is nothing they can do about it. I told them that you can't advertise something and then refuse to let it happen. I said the computer bug is not my problem so will I be reimbursed for the interest I lost when the bug is fixed. I was told no. 

Is this even legal? I asked them to override the computer problem and was told thet can't. Can you help me with this? 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I 've   had this ongoing issue with Macy 's regarding my account, when Macy 's switched accounts to Citi from their previous servicer my credit account did not transfer over to their new system and all the while I had no access to my account and neither did I know any payments were due, as everytime I logged into the account the profile showed blank and I assumed there was no payments due. This was not the case and due to this error Macys ended up marking me late.
I have chronologized Macy 's online systems   mistakes with pictures in the attached word document.

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 2021-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have been requesting information on a car loan that was fraudulently put into my name by XXXX XXXX XXXX XXXX ( XXXX ). I have been requesting the following information for 5 years. XXXX ignores and purposely sends what they want. I requested information per the attached memo dated XX/XX/XXXX and I received the attached. It is not what I requested. Why? Does that look like what I requested? XXXX  XXXX XXXX XXXX is illiterate or playing games. 
A careful examination of the permissible permission and the credit report will reflect the fraud. THAT IS WHY I NEED IT! When I became aware of the forgery, fraud, etc etc, I immediately filed a sheriffs report on XXXX XXXX XXXX XXXX XXXX as reflected on the application. Which I have sent XXXX multiple times! The presidents office of XXXX XXXX XXXX XXXX informed me I need an affidavit PLUS sheriffs report reflecting XXXX with VIN number which I was not aware of in XXXX and did not know to do when I filed the sheriffs report. Therefore, I have sent convictions and police reports on XXXX XXXX XXXX XXXX XXXX reflecting forgery, false pretenses for many cars. XXXX XXXX is even listed on the application! AS FURTHER PROOF, my personal information was accessed WITHOUT MY PERMISSIONS one day prior to an INCOMPLETE application. The incomplete application should not have been processed at a minimum AS EVEN STATED AT TOP OF APPLICATION. 
PLEASE READ THE FOLLOWING REQUEST AGAIN CAREFULLY. Again, I request : Copy of dated Permissible Permission used to pull my credit report on XXXX Copy of Credit Report pulled on XXXX. 

XXXX  XXXX XXXX XXXX based their decision upon the credit report and I need the credit report pulled XXXX. In addition, I need the permissible permission used to access my credit.

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 2021-04-11
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt was not owed, however company continued to call and harass me. They called family members and places of prior employment. This occurred over a 2 year period for an amount they state is XXXX USD. This company has continued to report the debt as a major derogatory account fraudulently to XXXX. 
This is effectively extortion at this point. The company is United Revenue Corp .

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: EQUIFAX, INC.
State: MA
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: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Date XXXX i was notified by XXXX XXXX that this account was considered a " Charge Off '' I looked into this, and i have no idea what this account is or why it is associated with me. 
I was never once notified that there was an account open or a balance due, and now I am finding out there is a charge off which is negatively impacting my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: CITIBANK, N.A.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently went in to check my credit score and it appears that CBNA created an inquiry into my credit on XX/XX/16 without my consent.

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