BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
I purchased two money orders from XXXX XXXX to pay my rent in XX/XX/2018. I found out several months later that the landlord had never received it. I contacted XXXX XXXX and they traced the money orders. Both money orders, one for {$1000.00} and one for {$340.00} had both been altered and cashed by someone other than the landlord. I completed the request to have the money refunded to me and provided all requested documentation. XXXX XXXX paid me back for the {$340.00}, but said the bank that had cashed the check, Capital One, never responded to their request to refund the money. XXXX XXXX says there is nothing else they can do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-06
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
PHH mortgage purchased the mortgage servicing from Ocwen but did not pay the ground rent payment. PHH mortgage doesn't know what a ground rent is or what to do with it. 
The new ground rent owner has filed for an ejection of my house even though I have always paid my mortgage is on time. 

When I purchased my home XXXX XXXX XXXX in 2009 the ground rent payment was included in the payment. PHH mortgage is charging me {$140.00} a month but now applying to the ground rent. There is a lot of money in the escrow account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md. XXXX PHH Mortgage loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I've contacted XXXX & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on the account. They told me they send the statements to the wrong address and agreed to update to open/never late. Please adjust accordingly. 

XXXX XXXX .... Date Opened XX/XX/18 Balance {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
In accordance with the Fair Credit Reporting XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2018-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 - 30 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-23
Company: AMERICAN EXPRESS COMPANY
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: Confusing or misleading advertising about the credit card

Complaint:
XXXX XXXX marketing material on a flyer received in the mail for the " XXXX XXXX American Express XXXX XXXX ''. 

On the left side of the flyer is says 6x Bonus points at US SuperMarkets, US Gas Stations and US Restaurants. However the number 2 is an asterisk, noting that more information can be found in section 2 on the back.

Most people would not read this section and might just move forward with applying or discarding the promotional flyer.

I read section 2. With in its text it says " You also will NOT get additional points for purchases at nightclubs, convenience stores, grocery stores, or supermarkets. '' Above that however it states you will receive extra points for a total of 6 at Restaurants, Supermarkets and US Gas Stations. So in essence it cancels each other out and the advertising and rules on the back are un clear, creating the opportunity for points to be awarded and or not awarded based on the suppliers discretion and not the basic understanding as permitted on the front of the flyer. It also uniquely disqualifies superstores and warehouse clubs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: DC
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:
XXXX is a closed account and is still showing as open and reporting. This account is also associated with fraudulent charges and inaccurate personal infromation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
we've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX Date Opened : XX/XX/2018 Balance : {$3300.00}

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 non-monetary relief
Consumer complaint received 2019-10-23
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Back in XX/XX/2018 We purchased a TV at Best buy XXXX, MD. When we tried to pick the TV up, it TV was not in stock. Best buy refunded us a total of {$2500.00} ( see attached receipt ) I submitted the dispute with Citi Bank to return the money to my account. 
On XX/XX/2018, I received a credit for the disputed amount. However they charged me the same amount again, same happened in XXXX and XX/XX/2018 Since then I've filed several disputes and went to Citi Bank in person and I've been told there's nothing the can do for me. They say that they see there's this charge but they can't refund it. I also went to Best buy in XXXX and they told me that the money was returned to City Bank. 
It's been over a year and City Bank has not been able to clear this, it's hurting my credit score and also my available balance for purchase.

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 2023-04-05
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:
I am a natural person, I a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. and they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax these accounts. 

Accounts : Inquiries : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX Mark : XXXX XXXXXXXX XXXX XXXX Balance : {$1200.00} Installment account : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: Experian Information Solutions Inc.
State: FL
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:
I continue sending mails and dispute to Experian regard these unverified and inaccurate accounts on my credit file. I've attached the items and the reason for the deletion

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 2021-01-26
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
We closed escrow on our home on XX/XX/2020. We had an escrow balance of more than {$5000.00} that Loancare was supposed to refund to us. I have had numerous conversations with Loancare and have documentation to support the conversations. They said they would be mailing it out in XX/XX/XXXX. I never received a check. I called them again and they said they would be mailing the check on XX/XX/XXXX. Today is XX/XX/XXXX and we still have not received our check. I have offered to give them a XXXX XXXX account number so that they would overnight the check to us but they refused. We are seniors and now, during COVID, this money would help us with our finances.

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 2023-05-17
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have made several attempts to call XXXX XXXX loans to discuss an error in their computing of my monthly payments. Instead of applying my payments to my monthy mortgage dues, they are applying my payments to the " principal '' and sending me late fees notices and non-payment letters. I have all payments on auto-pay and therefore there shouldn't be a problem at all. The agent yesterday simply hung up on me because is was too difficult to manage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: WELLS FARGO & COMPANY
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a bill for {$490.00} from XXXX XXXX XXXX, a collection agency They said I have a XXXX account balance thru Wells Fargo Bank The address on file was an old address of mine 4 years ago The email they have on file is : XXXX. I have never had this email or ever heard of it before I had a similar problem with XXXX and XXXX XXXX using this same address in XXXX of 2020. That went thru XXXX XXXX XXXX for the exact same amount .That issue was fraud and resolved in my favor. My credit score and account with XXXX  is locked and has not been breeched

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 2019-10-30
Company: Utah System of Higher Education
State: UT
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:
XXXX/Utah XXXX # XXXX is reporting lates in XX/XX/18, XX/XX/18 and XX/XX/18 that I should not have. I had paid this online and it showed that it went through when I did so, I did not know that the payments were not going through until I had my credit pulled and saw all the lates on my credit report. These lates are not my fault and they need to be removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
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:
ACCOUNT REPORTING TO MY CREDIT REPORT DOESNT BELONG TO ME FOR VERY LOANG TIME I WAS GETTING DENIED FOR CREDIT WAS NOT SURE WHAT WAS GOING ON UNTIL RECENTLY I REVIEW MY REPORT TO FIND NUMBERS OF UNKNOWN DEBT I HAD NO KNOWLEDGE OF AND I AM WORKING TO FIX IT ALL

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 2021-02-25
Company: NAVY FEDERAL CREDIT UNION
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:
I opened an account via telephone with Navy Federal ( NFCU ) on XX/XX/XXXX. I deposited {$100.00} and distributed the amount between checking and savings accounts. I did not receive a debit card that NFCU claimed was mailed to me. There was fraud on my account with NFCU on or about XX/XX/XXXX. Someone deposited a third party check to my a/c and made several withdrawals. When I noticed I call NFCU and filed a claim. Subsequently, NFCU denied my claim and contended that there was no fraud and that I benefited from the fraudulent transactions. My accounts are now approximately {$1700.00} in the red which NFCU is insisting that I am responsible for. I made none of these transactions, nor did I authorize anyone to make any transactions with my accounts. I have not benefitted in any way from these fraudulent transactions, whether deposits or withdrawals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I attented XXXX after speaking with a recruiter who came to my home in attendence with my father. It was soon discovered I would not be eligible for enough financial aid to attend the school, so the recruiter heavily pushed Sallie Mae Financial for the private loans. 

XXXX and its recruiter boasted extremely high job placement and skillsets that would readily have me ready for the workforce, but this was not the case. It was discovered and is now known via mutliple lawsuits that the school lied to its students about its job placement statistics, and its preparation readiness for the workplace. 

The Dept of Education has placed stopped payment on all XXXX XXXX loans, the parent company of XXXX. 

Due to financial difficulties, my student loans went into default multiple times after countless harassing phone calls and threats of wage garnishment etc after difficulties finding employment as the training at XXXX was insufficient to meet many companies standards for jobs. 

After receiving help from family members, my wife and I did a cash out refinance on our home, in order to pay off the remaining loans and remove the defaulted loans from my credit report. 

XXXX 's fraudulent ways and insufficent education, along with predatory practices caused me to incur massive financial penalties. I am currently awaiting reimbursement of all federal and state loans, and am requesting a full refund of all private loans for this fraudulent school.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX XXXX XXXX " robo-called '' my wife 's phone and my phone threatening to call my employer and take me to court. I called back and they said I owe XXXX for an HSBC credit card. Since this was not the first time I have been threatened by them I asked for more info with intentions to file harassment charges but they would only tell me the state they are in and name of the company. Eventually the lady on the phone didn't like my persistence and just said that they are forwarding my file to court. 

XX/XX/XXXX XXXX XXXX " robo-called '' my wife 's phone and my phone threatening to call my employer and take me to court. I called back and tried a more deceiving tactic to get more info about this business who does have my accurate personal info. Eventually they threatened to sue me for harassment and blocked my number. 

I called the FTC who said I should look at my credit report to see who is actually reporting the debt and it don't show on any of the reports. 

I am looking at my paid receipt and the debt for the HSBC card I had was fully satisfied on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: Account Resolution Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I offered to pay the amount but they refused to remove it from my credit report. Theres no benefit to paying it if they do not remove it. They do not think they have to remove it if its Paid. 

Account resolution Corp XXXX. XXXX XXXX XXXX mo XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: WESTERN UNION COMPANY, THE
State: PR
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
Western Union repeatedly uses exchange rates far below the actual rate. for instance. Today I wanted to send money to XXXX. The posted rate was XXXX to XXXX but Western Union only gave XXXX toXXXX. They always given lower than the actual rates but lately they keep getting worse and worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My chime bank account which included my check-in and savings accounts both were closed on XX/XX/XXXX I was not told why they were closed out I was sent a policy to read that would describe part of the reason why my account was closed out that was the only evidence and or proof that I was sent as to why my account had been closed after my account had been closed I was told that I would receive my closure check with the amount that was in my accounts at the time of the closure I had to wait 15 business days for an investigation and then 10 business days after that for the check to be sent out and received in the mail after waiting the 25 business days I never received my check in the mail I let them know via email and they gave me the runaround and continuously avoided answering any of my questions and for almost 6 months now I've been trying to request my closure check from them just now today I spoke with them because I had waited 10 days again because they had told me on XX/XX/XXXX that within 10 business days I would receive my closure check because they had to send it back out and after confirming my address they had resent the closure check I've waited over 10 business days when I contacted them after waiting the 10 business days they didn't respond 48 hours after the 10 business days they responded and told me that the check would be sent out in the mail and then they sent me an account balance of {$0.00} in both my checking and my savings account this is completely false and fraudulent I would like the amount that was in my account sent to me like they were supposed to be sent out in the mail in the first place the amount should be {$82.00} and something cents for my checking account and there was only around XXXX cents in my savings account I'm not worried about my savings account as much as I am worried about the amount of money that was in my checking account at the time of closure that has been stolen for me at this point please help me recover my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My identity was stolen and several fraudulent accounts were opened in my name.

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 2019-10-23
Company: Experian Information Solutions Inc.
State: WA
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:
I DEMAND TO KNOW A REASON AS TO WHY THE CHARGED OFF ACCOUNT FOR XXXX  XXXX XXXX IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT. IT'S AN ACCOUNT THAT WAS OPENED IN 2002 AND IS WAY TOO AGED TO STILL BE REPORTING ON THERE. AFTER SEVERAL ATTEMPTS AT TRYING TO GET THIS ACCOUNT REMOVED, NO RESPONSE HAS BEEN GIVEN TO ME NEITHER HAS ANYTHING BEEN DONE. PLEASE REMOVE THIS ACCOUNT BECAUSE I HAVE GOALS I NEED TO ACHIEVE, AND IT IS REALLY AFFECTING THE OVERALL HEALTH OF MY CREDIT. PLUS, IT DOES NOT ALLOW ME TO MOVE FURTHER IN LIFE.

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