BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
On XX/XX/XXXX, I submitted a dispute letter to all three credit bureaus. I received a response from all three credit bureaus. On XX/XX/XXXX, I sent a demand of action letter to all three credit bureaus demanding the removal of all duplicate XXXX accounts. XXXX has not removed these duplicate accounts. XXXX  and XXXX  have. Two accounts with account # XXXX and two accounts with account # XXXX ( for a total amount of {$4300.00} ) are showing closed in the same frame and showing POSITIVE with XXXX. On XX/XX/XXXX, XXXX submitted an in-school deferment request to XXXX. As of XX/XX/XXXX, they noted the account, " No adjustment needed, '' because the accounts are closed. They can not confirm my deferment because the accounts were closed. Also, on XX/XX/XXXX, I sent a correction to the credit report to remove Kohl 's which was paid in full on XX/XX/XXXX. They have failed to remove that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: EQUITY LOANS LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Settlement date XX/XX/2020 agreed FHA Payment XXXX After about 4 months living at my home. 
Now company EPM is saying I owe escrow XXXX All of my payments have been on time. 
A XXXX City Tax issue/ closing issue EPM over paid Taxes and wants me to pay it back in my Escrow I have been going back an forth with EPM for the past 8 months and Im not getting any where. I am a single mother with XXXX children and I should not be obligated to pay any kind of money back for someone elses mistake. XXXX City Tax Authority needs to reimburse EPM their money. I need help this has become very stressful. I would like to try to resolve before hiring a real estate attorney. 
If someone can please help me, I would really appreciate it. 
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 2020-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
WAKEFIELD AND ASSOCIATES FTC VIOLATONS SENT OVER 45 DAYS AGO

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
It is too difficult simple to link my PNC checking account to my XXXX account. I called at least 3 times and issue was not resolved, and I visit branch and it is the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
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: Was not notified of investigation status or results

Complaint:
I started disputing on XX/XX/XXXX with the credit bureaus because I noticed some inquiries that were never authorized as well as collections that were still reporting that had already been paid! The bureaus never responded to my dispute so I sent another one on XX/XX/XXXX and again on XX/XX/XXXX. I have yet to get a reply from the bureaus even acknowledging that they received my disputes. This is not good practice from the bureaus!

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 2020-12-13
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:
I am a victim of identity theft

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 2021-04-09
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I started disputing on XX/XX/XXXX with the credit bureaus because I noticed some inquiries that were never authorized as well as collections that were still reporting that had already been paid! The bureaus never responded to my dispute so I sent another one on XX/XX/XXXX and again on XX/XX/XXXX. I have yet to get a reply from the bureaus even acknowledging that they received my disputes. This is not good practice from the bureaus!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: Motolease, LLC
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Purchased motorcycle on XX/XX/16. Motorcycle was stolen and damaged XX/XX/16. XXXX XXXX justice court # XXXX. Case is still in litigation. The suspect convicted of grand larceny auto is the person solely responsible for debt owed on this damaged motorcycle. This company is unwilling to listen and understand the situation. I dont believe I am responsible to clean up after some trash who has yet to be reprimanded for his crimes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: Kriya Capital, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX and everyday since this day I am receiving calls from Credence Resource Management in Michigan about an debt that didn't belong to me that has already been disputed with another collection company back in XX/XX/XXXX for the same creditor ( XXXX  ) for {$5300.00} I informed them that this debt was due to identity theft and I thought this was resolved back in XXXX XXXX XXXX. I also informed them that I had a complaint filed with CFBP for this creditor with another company and it was resolved. they for one are calling me on a sunday which i believe they have no right to do also they informed me that they will not be filing a dispute on my behalf and that i can settle for XXXX and pay them XXXX a month until this is paid. I am a victim of identity theft and I will not be paying for any debt that doesn't belong to me. I also asked them to provide documentation to show proof of my signature they weren't willing to do that. I have already filed a complaint about this debt and I will need to get this cleared up immediately. I informed Credence Resource Management that I was going to file a complaint against them form consistent calling and not willing to file a dispute on my behalf. XXXX was the supervisor that I spoke to on several occasions about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Bridgecrest Acceptance Corporation
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2018, a charge for XXXX as posted against my XXXX Account held by XXXX. This charge was made by " XXXX Bridgecrest XXXXBridgcst XXXX TEL ID : XXXX ''. I tried to call Bridgecrest, but they won't speak to me and insist I reach out to their legal department through my XXXX XXXX. Unfortunately, XXXX won't escalate this on my behalf due to a window ( even though it was quite a recent charge ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: EQUIFAX, 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 information incorrect

Complaint:
XXXX XXXX ) I called for a deferment for a few months due to the Covid 19 Pandemic. They agreed that a ate payment for the following 3 months would not report as a late pay on my credit report and they did not comply ... to my surprise I have my credit report to be qualified for my 1st home and there is the late payment that they stated they would not report ... this is killing my score and now i do not qualify for the home ... i need this reversed immediately to read paid on time ... .I need the 30 day late for XX/XX/2020 updated to paid on time as we had an agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information on my file. The items need to be deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that these items be deleted to correct my credit report. I reported theft of my identity to the Federal Trade Commission, and I have also enclosed copies of the federal Trade Commission identity theft affidavit. Please delete as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: Brown and Joseph, Ltd
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Hello, approximately 6 months ago XXXX XXXX form a co named Brown and Joseph in ILL called me and said they were collecting a dept from and insurance pollicy for my workers comp that i failed to properly complete my audit. i explained all moneys were paid and that i changed insurance cos. He said he was going to file a lawsuit and lein my house and co but if i gave him {$3000.00} he could reopen case and tell me what costs were from. I foolishly paid him and set docs. He contacted me agin to collect, when i researched his co found many complaints like mine .He is rude and is harrassing me with phone calls. please let me know if there are ways i could get my fraudulently taken funds. There contact info is below. Thank You XXXX XXXX, Brown and Joseph limited management and consulting XXXX XXXX XXXX # XXXX Rolling XXXX iL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Due to family medical issues I had fallen behind in both of my consolidated student loans. When I contacted Navient in late XX/XX/2018 by phone to tell them I would be able to get back on track next month they directed me to a forbearance until XXXX. When I was able to clear the medical bills in XXXX I contacted Navient by phone on XX/XX/2018 about paying of the smallest of the two consolidated loans in its entirety and making a regular payment on the larger loan ahead of the forbearance date in XXXX. 

After going through 3 levels of account representatives I was assured that the {$2000.00} payment I made on XX/XX/2018 ( taken out of bank on XX/XX/2018 ) would apply to the smallest of the two consolidated loans and pay it off in full. That would have saved me approximately $ XXXX- {$42.00} per month which I could have applied to the principal on the larger loan. I also paid {$190.00} to the monthly payment on the larger of the two consolidated loans on XX/XX/2018. 

I created an online account with them afterwards to keep better track of my loans. When I review the statements later it appeared they had applied the payments to the opposite accounts that what I directed them to. 

This only served to exacerbate the ongoing problem and keep payments artificially inflated. I feel they deliberately failed to provide me with ethical and competent loan servicing duties by ( 1 ) steering me to a loan forbearance and ( 2 ) deliberately misdirecting my payments in order to prevent me from paying off the smaller of the two consolidated loans. 

When I contacted them by phone on XX/XX/2018 and described the problem, the representative was unresponsive. When I asked to speak to a supervisor I was put on hold and eventually had to hang up after about 30 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
TransUnion lowered my credit score due to inaccurate negative payment history that was inaccurately reported by XXXX XXXX. XXXX XXXX notified TransUnion of the inaccurate, negative payment status that was reported and they also corrected the error. 

TransUnion has still refused to correctly report my positive payment history with XXXX XXXX and has not raised my credit score back to the very good status that it was ( over 740 ) before this negative, inaccurate payment history was placed on my credit file.

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 2019-08-29
Company: Eastpoint Recovery Group, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have an outstanding debt with a company who sold my debt to EastPoint of XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. I rec 'd a notice dated XX/XX/19 as the Initial Notification from them. They began calling my husband, then by some means got my son 's info, my son 's girlfriend 's info and my son 's girlfriend 's sister-in-law 's info and began calling them. On several occasions they were informed not to call our son and they have now been told to not call his acquaintances as well. 
The rep, XXXX, threatened that if I didn't pay either a large payment or the entire balance that they would file a fraud claim against me and take me to court. I mentioned that I was exploring the option of filing bankruptcy and he advised " good luck, these guys have lots of money '' and " that I would go to court before I was before a Trustee ''. 
I would like to work out an arrangement with them, but their representative XXXX is not reasonable and doesn't seem willing to work anyone. His tactic is to bully and threaten. I realize that he works on a basis that he gets a percentage of what he collects, but he is unwilling to discuss options other than pay now. 
Everyone hits hard times in their life for whatever reason, up until XXXX, we had made all monthly payments on time through an autodraft from our account. We are trying to stiff the creditor, just have them work with us in a reasonable manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Atlantic Recovery Solutions LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2018, Atlantic Recovery called my parents phone number and advised they were attempting to collect a debt for me. They shared they account name and amount. The agents name was XXXX XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been asking for Wells Fargo to give us a modification. We submitted all of the documents that they asked from us. They assigned to XXXX XXXX and XXXX XXXX. We received a call from her 1st on the XX/XX/XXXX but when she called by husband was driving and was not able to pick up the call but when we tried to call her back she did not answer she called back again and said that she will call us again but we have not had a chance to talk to her. All we were told was that they are reviewing the file. In the meantime they scheduled a Foreclosure sale date forXX/XX/XXXX. This is what they have done for years of requesting for a loan modification. We submit our documents but they will not talk to us and let us know what is going on. 

We know they have worked with other homeowners with same situations. They gave them modification, they allowed the missed payments to be deferred and gave them payments that allowed them to be able to keep their homes. Why not us too? My husband still have XXXX and still working. Please help us get Wells Fargo to help us.

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 2018-02-26
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Received a 'Notice of statement credit ' dated XX/XX/2017. In the letter it indicated I would receive a {$330.00} statement credit which would be applied to my account and would appear on my statement within two billing periods. 
My credit was never received so I phoned the credit card company and it was then explained to me that I would receive my credit by each {$50.00} purchase with a 1 % cash back. 
I do believe this is wrong and it stated a credit to my account. I would very much like this explained to me thoroughly.

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 2019-02-01
Company: Westlake Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Im upset that this Company has given me several different amounts they say I owe. Also they paid XXXX on this account monthly to start the Statute over and make it seem like I had been making these payments. Im upset that they would do that because I sent this car back in 2012 and hasnt made any payments since because the car I purchased was a total out vehicle. Ive explained this to XXXX and they refuse to look into it so that this account is removed from my credit report. They have reported 4 different amounts that I owe them and to think they would go to such links to try to solicit money from me that I dont owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
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 disputed a negative account with Experian. The creditor is with XXXX XXXX and they havent resolved my dispute internally, yet Experian has said there is an update to my XXXX XXXX XXXX account. Experian continues to report false information. Experian continues to violate my rights to receive due diligence from my creditor that I have an dispute with. Experian should not be able to update an account unless the credit answers for them to do so. Experian is the only company that practices this way. In this climate Experian needs to be more transparent with how and whom they decide to update in 15 days. XXXX XXXX is still investigating so why did Experian make a decision against me. I feel violated and I know somewhere down the line Experian tactics will be exposed.

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 2021-04-09
Company: EQUIFAX, INC.
State: SC
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. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Fay Servicing, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have loan # XXXX with Fay Servicing. They sent me a letter in the mail stating they will force-place flood insurance if I do not get {$140000.00} in coverage based on the value of the property. My loan amount is only {$56000.00} based on a recent appraisal of {$75000.00}. The Flood Disaster Protection Act does not allow the lender to mandate {$140000.00} in flood coverage when the loan amount is only {$56000.00}. Please help them understand the rules.

Company response to consumer: Closed with explanation