BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-28
Company: MoneyLion Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
On XX/XX/2018, a written request was sent to them to stop all ACH debits from my bank account. Since then, theyve continued to deduct six more times, {$36.00} each, totaling {$210.00}, as today. This doesnt include NSF fees I have incurred due to them deducting money from my account.

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 2020-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I was in XXXX, XXXX, XX/XX/2020. I made a purchase at a pharmacy and the merchant charged me in USD instead of MXN. the amount charged on my Capital One Credit card was {$2100.00}. The merchant apologized, and I wrote on the receipt WRONG AMOUNT. In addition, I kept the primary original receipt and the merchant scanned the receipt with this statement written on the receipt. I have this receipt in the attachment. I explained and provided this information to Capital One immediately. The dispute was made immediately because this is amount is 50 % of my credit limit. It is covid-19 and I am experiencing hardship. Capital One originally understood with the evidence I provided, then they rebilled me the amount XX/XX/2020. I would like to dispute this USD charge and when it should be MXN and the dispute decision. The case number is Case Number XXXX. It was initially resolved then I was rebilled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-01
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: Personal information incorrect

Complaint:
I have sent letters correct my personal information. I have incorrect names address still reporting. I have sent my ID as proof of my name and address and they still have not corrected the information.

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 2018-04-23
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XXXX has been my loan servicer for the past couple of years. I received a notice from XXXX that my loans are being transferred to Nelnet, not ideal but not terrible. 

However, the transfer to Nelnet is supposed to happen by the end of this month ( XX/XX/XXXX ) and I have NOT heard a single thing from Nelnet yet. Since I usually pay my student loans in the middle of the month, I tried to log into my regular XXXX loan portal and my outstanding loans are gone. 

So now it is near the end of XX/XX/XXXX, my loans are due in less than a week and I have no way to pay those loans. 

Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a suite from XXXX XXXX today dated XXXX XXXX, XXXX today is XX/XX/XXXX. I am bey suited by a debt collector for the Bank of America by Attorney XXXX XXXX XXXX, XXXX with That, XXXX XXXX XXXX, XXXX, I feel that this has been too long and I do not owe this as it has been a year since paperwork was filed to XXXX XXXX and I am now getting documents.

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 2019-01-01
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have sent letters correct my personal information. I have incorrect names address still reporting. I have sent my ID as proof of my name and address and they still have not corrected the information.

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 2018-04-23
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX and XXXX have violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-26
Company: EQUIFAX, INC.
State: GA
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 recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, police report and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This collection company is lying that they contacted me via mail. I have never received anything from them. If I did i would definitely reach out to resolve the debt as I am in the process of trying to buy a home. They use this tactic of reporting to bureau before contacting you as they know they will definitely get your attention and response quickly. I will attach a bill from XXXX, now that I know who this debt collection is from and it will show that they did not have this debt in their possession back in XXXX as they stated. I was still receiving a bill from XXXX. As I stated above this debt collection did not contact 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 explanation
Consumer complaint received 2020-02-05
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FlXXXX bod XX/XX/XXXX ss # XXXX Bankruptcy is too old it has been discharged and Needs to be removed Remove bankruptcy ASAP

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 2019-01-01
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is an alleged debt that is over seven years old ( 2010 ). This company has failed to provide proof of this alleged debt. I have previously disputed it and it has been removed from two of the three credit bureaus. However, it is still being reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: EQUIFAX, INC.
State: PR
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:
the problem is specifically with Equifax a reported account with a balance of {$10.00}, XXXX of XXXX that account was disputed at the time and does not belong to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: EQUIFAX, INC.
State: TN
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 HAVE ASK THE CREDIT COMPANYS TO REMOVE THESE ACCOUNTS THEY HAVE YET TO DO SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01
Company: TD BANK US HOLDING COMPANY
State: NJ
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:
XXXX card customer identification number XXXX statement closing date XX/XX/2018 shows a duplicate purchase charged to my account in error. Have tried to rectify with merchant with no success whatsoever. The purchase date is XX/XX/2018, the amount is {$15.00}, item was only purchased once!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
EXPERIAN KEEPS PUTTING NAMES THAT ARE NOT MINE THAT I NEVER USED PHONES NUMBERS THAT ARE NOT MINE

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 2019-01-01
Company: CMG MORTGAGE, INC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan is currently serviced by CMG Mortgage. They keep telling me that my loan needs to be seasoned or at least five years old before they can remove PMI. Otherwise, my LTV needs to be 75 %. I tried to do a loan modification on my loan, and they gave me the runaround. They also did an appraisal, and the value of the home came back where I would have 80 % of equity. I would like my PMI to be removed. They are unwilling to help me, and we are paying a lot of money for this insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX obtained lawyers to sue me about a student loan debt and they also turned my account over to Transworld Systems for collections. They are reporting to the credit bureaus monthly that the debt is delinquent and have never notified me of the debt. I obtained a lawyer for fight my lawsuit with XXXX XXXX but don't understand how they can sue me and use this collection agency to ruin my credit. I just received a letter from my attorney for a stay in my court case. But as of XX/XX/18 this collection agency has reported again that I'm delinquent and for an amount that I know is not correct. I asked my attorney to have them prove they owned this debt. I have never received anything from Transworld to dispute this debt. They have never contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: Dovenmuehle Mortgage, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I attempted to pay my XXXX mortgage payment on the Dovenmuehle website as I have always done. I received a message that I was unable to complete my payment at that time. After several attempts with the same error message. Dovenmuehle does not accept phone calls. I reached out to Dovenmuehle on XX/XX/XXXX on their secure message center regarding the situation. As of today XX/XX/XXXX, my message has not been answered. 
My concern was that I was unknowingly placed in a forbearance status after simply inquiring about it. I did not sign the agreement received in the mail because the wording was ambiguous to say the least and I was unable to reach anyone by phone for clarification. 

A check of my credit report shows my mortgage balance increased, which has impacted my credit score. Finally, I received a letter today notifying me that my mortgage is being transferred to another bank after it acquired my loan from the original bank I refinanced through. 

I want answers to the questions raised and have yet to be answered. Why was my account blocked from making online payments when this is the only payment method Ive used? Was my mortgage placed in a forbearance status without my consent, and despite not missing any payments? Why was inaccurate balance information reported to the credit bureau?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
There is still gross problem associated with Bank of America charging checking account fees. During this pandemic ; it has become even more critical to the nickel & dime Governance of BOA to their customers. 

1. For countless years I have fought with BOA about checking fees ; as they're both charging me and receiving an interest free loan on the $ $ in my account. 

2. With millions of customers, in sum, this capital is then used as margin for investment purposes and/or to loan out in XXXX, XXXX over leveraged. 

3. Because of the potential of this accrual & the actual $ $ made by BOA questionable practices ... It can not be reasonable to believe BOA can then charge a monthly " maintenance fee '' without also profit sharing with my portion of the portfolio. 

4. I've had 2 Advantage Plus Banking accts since 2013 at a rate of $ XXXX " Maintenance fee '' that equals around $ XXXX that could serve a great survival purpose RIGHT NOW.

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 2019-01-01
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Attempted to pay the mortgage payment online. Was informed on phone that payment would have to be made tomorrow. In view of the past reputation of Wells Fargo concerning how they treat their customers, how is this allowed? XXXX had no problem accepting an auto loan payment today, as it appears they have do not have to earn another day 's interest on the payment amount.

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 2019-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am writing to appeal a recent credit score deduction. On XX/XX/XXXX2018, I learned that my credit score decreased significantly by about 80 points. So I checked my credit report and discovered that I was overdue on a payment to XXXX XXXX/credit card '' for {$100.00}, which I paid immediately on same day. I had not received any statements by mail as I usually do sinceXX/XX/2018 when I changed my account to a paperless and had not received any email notices either. For your reference, I have not moved nor experienced any issues with our mail delivery. 
I have been a loyal cardholder with XXXX XXXX for many years and have never missed a payment. I hold nine other credit lines as well and all of the payments have been on time. At that time, I had a enough bank account balance to pay the payment. So I didn't have any reason not to pay the payment. In addition, I was paying the other card payments on time. I think you can make sure that the fact is correct from my credit report. 

So I sent a letter to XXXX XXXX asking that the mistake should be corrected, but they responded that they did the right action, and they sent a bill. Of course they did not mention about the e-mail notice or bill was not sent to me. 

I strongly appeal to correct this unreasonable treatment against the faithful customer. Please investigate this matter and correct this mistake as soon as possible. In addition, Kindly let me know how I can recover my prior credit score and if there is any other information I can provide to facilitate this process.

Thank you for your assistance in advance.

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 2020-06-27
Company: BARCLAYS BANK DELAWARE
State: CO
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:
I have had a credit score over 750..One account showed delinquent, it was not due to my fault and was for a small amount. Barclay Bank Miles and More credit card did this. I never received a yearly fee notice as I never used the account. It never arrived by email, mail or any alerts or any other way. Because of their error, my 3 bureau companies keep showing " serious delinquency ''. It was not serious and not due to my error or overlook. The result of such a small amount due to their reporting wrong had lowered my score almost 100 points and still has not recovered.!! .Please correct and remove from my accounts. I am NEVER late as my reports will show All 3 bureaus show '' EXCELLENT NEVER LATE " on all my accounts and for it to be ruined over a mistake not by me and for such a small amount is unacceptable.. Please contact me with any questions,,,,. 

Thank you, XXXX XXXX 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 2019-01-01
Company: CITIBANK, N.A.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened linked savings ( account XXXX ) and checking ( XXXX ) accounts with Citi on XX/XX/2018 in response to an advertised welcome offer online that promised a {$400.00} bonus paid after transferring {$15000.00} in funds to new Citi accounts within 30 days of opening and maintaining that balance for at least 60 days. I transferred these funds on XX/XX/XXXX, and I confirmed with Citi representatives that the welcome offer was attached to my account and that I would meet the terms of the offer if I maintained this balance until at least XX/XX/XXXX, which I did. On XX/XX/XXXX, well after the time period for Citi to post the funds had expired, I contacted Citi to ask why my bonus was not paid as promised. I was told I was eligible for the offer and had met the bank 's terms, and that my claim would be escalated, with a response resolving the issue within 2 business days by email. I did immediately receive an automated email confirming the escalated claim, but I did not receive the promised email resolving my missing {$400.00}.

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 explanation
Consumer complaint received 2018-04-23
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Has been ongoing for 8+ years. I am working at a minimum wage job, checks are already garnished from other student loans.Unfortunately, I have not kep track of everything that has gone one.

This one is different because they are going after my XXXX XXXX XXXX grandma and threatening to everything they can to get money. My mother has been called repeatedly and she is having to block numbers. To-date, 63 different numbers from Navient alone. 

Navient is sending registered letters as well as calling my Grandmother approximately 6 times a day. 

I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX a representative from Bayview Loan Servicing called me and asked if I wanted another 90 day forbearance added to the one that I had and I said yes and she stated that a letter to confirm would be sent under the Cares Act.As of XX/XX/XXXX I have never received such letter and I called and talked with someone there I believe there name was XXXX and she said that she could not find anything and that this law did not apply to my account just like the XXXX XXXX has no clue that when a property in XXXX County is titled in Joint Tenancy that you do not need to probate they are breaking Federal Law and this seems to happen all the time. If you read Colorado Law since the Joint tenancy gives you the right to survivorship and I guess Bayview is to XXXX  that being the XXXX XXXX XXXX my father and myself are both the owners which the lawyers will point out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: Kriya Capital, LLC
State: TN
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief