BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To Whom It May Concern, My name is XXXX XXXX, my new capital one account number is XXXX. I have been a satisfied customer of Capital one for over 9 years. 

Capital ones outstanding customer service is the reason Ive remained a loyal customer. Ive always considered it a priority to make all my payments on time. Unfortunately, My account was compromised. Fraudulent charges were made on my account without my knowledge in the month of XX/XX/2019. Sadly, on my credit report it states I was 120 days late from XX/XX/2019 through XX/XX/2019. 

I had been carrying a sizable balance for several months. Then, I finally paid off the full balance in XXXX of 2019. 
I decided to pay off my balance because I knew I would be out of the country for several months to take care of a family member. 
Upon returning to the XXXX I realized my account had fraudulent charges and my card was missing. I immediately reported it to the credit card company. The representative took my claim but unfortunately did not file everything correctly. He had only disputed a portion of the claim. So I had to dispute the fraud charges a couple of times. As a result my claim was resolved in my favor. ( I have attached a copy of the proof with this letter. ) Capital one records will show I had never been late with a payment prior to this unfortunate event. As a long-time customer in good standing and for the integrity of the account, I respectfully requested to remove the late payments from my file as it is adversely affecting my credit report. The reporting of the late payment to all 3 credit reporting agencies should have been avoided by capital one due to them preforming a through investigation which clearly proved the charges indeed were fraudulently made.Thank you very much for your consideration and hope to hear from you soon. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: CITIBANK, N.A.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
This company received a copy of my title on XX/XX/2010 from the North Carolina DMV. The company sold these personal loans to XXXX XXXX which turned into XXXX. However, they lost the title when sending the information to XXXX XXXX. 

Another sector of CitiFinancial is still open. However, they refuse to request a copy of the title. They are the best people to request it since their name is still on the actual title. XXXX never did and XXXX XXXX XXXX who owned the loan is having some trouble making the request for some reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Husband 30 years still employed XXXX XXXX XXXX XXXX XXXX. Daughter attends college I XXXX XXXX fill out loan applications. First year PSLF is offered I believe XX/XX/2007 I submit all paperwork for husband who is qualified for daughters loans. Loans are transferred everything is good, first wave of PSLF comes due submit paperwork and we are denied because I XXXX XXXX name is first on the application and his is second..Daughter has also now been a member of the XXXX XXXX XXXX XXXX XXXX for two years now she has been paying for 5 years her school loans in my name she applied for PSLF as well once again my name in first position. She has paid thousands of dollars toward her loan, her loan has remained exactly at the same amount. We have contacted ombudsman never have been contacted back, every contact via telephone has been different, every written correspondence never responded to. I have never been so frustrated in my life, we are not stupid people and have never dealt with such corruption and still not sure why

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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:
Good day. I have a XXXX Mastercard which is sponsored by Capital One. Capital One, without my knowledge or consent, enrolled me their online only statement program. I never received a statement from them and was consequently late on a payment which they reported to the various credit agencies. When I did receive notice via email that I was late I contacted Capital One and they admitted it was a mistake that I was enrolled in their online only program. They reversed the late fees however they would not or could not remove the late payment reporting to the various credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fay Servicing started servicing my mortgage in XX/XX/XXXX. Fay service illegally added property tax debt to my mortgage without legal cause. The amount changed my monthly payment from {$1000.00} to {$1300.00}. They wrongly placed my line 3 months late and in fact I was only 25 - 30 days late causing credit rating of late and none payment to race credit risk and low credit score. This company has reported incorrect information too XXXX   and other credit company. Please not how there is no request from Fay for new loan, but my mortgage payment per month has changed 4 times since XX/XX/XXXX with this company falsely. Even as late as today, wrong information is reported, they are still reporting my monthly of {$1100.00} which is wrong. My monthly payment has been came for years in the amount of {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I checked my credit report and found a bankruptcy on the credit bureaus reporting. I called the bankruptcy court to inquire if the bankruptcy court reported the alleged item. The court said they do not call, fax, mail, give out, or report any court information to any credit bureaus. Thus according to FCRA any negative information must be verified accurately. Please remove the alleged bankruptcy item from my credit report.

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 2019-02-09
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
XXXX & Experian are delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. XXXX & Experian have failed the to respond within the 30-days outlined by the FCRA. The items I initially disputed should be removed from my credit report. Please investigate my concerns ...

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 2021-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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 used my Bank of America credit card to pay XXXX XXXX XXXX {$2900.00}. to ship my vehicle from XXXX in XXXX, MO. to XXXX XXXX in XXXX, Az. XXXX XXXX said my delivery pick up dates were XX/XX/XXXX and XX/XX/XXXX XXXX for my XXXX XXXX XXXX XXXX XXXX  called me around XXXX XX/XX/XXXX XXXX claiming a truck was available to pick up my vehicle. XXXX XXXX was unable to provide the truck drivers name and then said they can pick the vehicle up the next day XX/XX/XXXX. XXXX XXXX never provided the truck drivers name and I called XXXX on XX/XX/XXXX at XXXX and confirmed no one had tried to pick up my vehicle. I asked for a refund and XXXX XXXX said they would provide a refund. To date XXXX XXXX has not provided a refund but instead wants to ship my vehicle. Since it is three months later and my vehicle is repaired I don't need to ship my vehicle to XXXX, Arizona so I would like a refund for service XXXX XXXX never provided.

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 2018-10-12
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX has reported 4 late payment on my account in XX/XX/2016 and I never had a late payment with company this information is being reported wrong on my credit report file

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have had a XXXX card for 25 years and have always paid my account in full and on time. In XXXX XXXX 2017 I  became the court-appointed conservator for my father who is currently XXXX years old and has no income other than Social Security. Two years ago XXXX sent him an offer for an unsecured personal loan for {$35000.00} which he took. He sent the money to XXXX XXXX because he was involved in a gold scam. On XX/XX/XXXX I received a notice from Discover ( see attached ) suspending my charging privileges because of an unpaid personal loan. I NEVER took out, signed for or received money from XXXX XXXX XXXX. XXXX, according to Transunion, has decreased my credit score from XXXX to XXXX ( see attached ). I feel XXXX was negligent in offering an XXXX-year-old an unsecured loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: WELLS FARGO & COMPANY
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
My name is XXXX XXXX. On XX/XX/2017, I received Wells Fargo credit card Billing Statement to " XXXX XXXX '' for outstanding balance in the amount of {$2700.00}. 
I called XXXX XXXX XXXX XXXX XXXX closing the credit card because the credit card is n't on my name, the credit card also contains fraudulent charges on it. XXXX XXXX XXXX XXXX XXXX closed the credit card account but they did n't remove fraudulent changes, as a result I have called Wells Fargo Executive Office and they forwarded me to XXXX 's voice mail. I have called XXXX at the Wells Fargo Executive Office for seven times and left three voice mails ; but nobody in Wells Fargo Executive Office calls me back. 
This Wells Fargo credit card account has closed with fraudulent charges, this credit card is n't valid because it hasnt been on my legal name XXXX XXXX. 
Please refer to enclosed document including my legal name documentation, Wells Fargo letter and billing statement.

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 2019-02-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax, who in 2017 exposed the sensitive personal financial information of 143 million Americans, is back to their incompetent and damaging behavior. They are unable to manage credit freezes, which for me would be a temporary lift on my credit freeze, because for the last day their systems are going through an " update ''. Clearly they can not bring themselves to say " outage ''. As usual, they insult the intelligence of the American consumer. As a result of their never-ending " update '', I am unable to lift my credit for a creditor ( XXXX XXXX XXXX ) to reinstall a communications circuit that I urgently need restored. They have sent me to various departments, none of whom are able to help, because they have no access to credit reports either. So they have no existing process for handling outages on their consumer-facing side of the business other than to bounce people around. My contact at XXXX XXXX XXXX reports he is unable to get any assistance from his contacts. So basically we have Equifax, a repeat offender for egregious and incompetent management of security and resiliency, who have impacted hundreds of millions of consumers before, who has now ground the credit economy to a halt for today. They created a situation whereby in order to protect my financial security I am required to put a freeze on my credit, and pay them to remove it each time I need it lifted. And now they are unable to do even that. So I'm being denied access to credit because they can't run their business reliably. It's completely intolerable, and I need my government to regulate this company and force them into compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I always make my payment over the weekend during the week that usually the time the credit card is due. Last month I know for sure I had made a payment over the phone. 

I know I'm multiple occasions when I do the payments over the phone, a lot of times there might be problems. Or for some reason those payments could take so many days before it actually registers. 

I do not try to call the representatives, because sometimes it could take long on the phone before anybody answers. So everything is done through automated. 

Apparently last month when I made the payment it never went through. However I was not aware that that payment was not processed. Just a few days ago is when I got notified that the payment never went through which was Weeks later. However due to that action, they reported me late on my credit card. Which I have not been late on the credit card and the very long period of time. That affected my credit report which is affecting me from obtaining any credit. 

I was charged late fees, it's not my fault that there's some trouble at times with their phone system. So I'm looking to have those fees refunded I know they also do not want to negotiate with lowering my interest. So I'm also asking for help on that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am XXXX XXXX XXXX and have recently been diagnosed with XXXX. When completing an application to lease a new apartment, I found that a security freeze had been placed on my account at Equifax without my knowledge. 

I enlisted my daughter 's assistance to help remove the freeze online on XX/XX/2021. Though I responded to all questions correctly, I was directed to call Equifax. I called Equifax on XX/XX/2021, responded to all automated questions correctly, but, despite the original freeze options offered XXXX add freeze, temporarily lift, or remove freeze ), was only provided the option to add the security freeze to my file. The freeze, which was already on my account, was confirmed as successful and I had no opportunity to make any changes or select any other option. 

So, I then called Equifax again on XX/XX/2021 to attempt to remedy the situation. I spoke to a representative and her supervisor, but I was advised to call back to go through the automated system once again or to mail a copy of my social security card and driver 's license to their office. I do not feel comfortable sending copies of this sensitive information through the mail ( or to this agency that does not seem to have accurate information on me ), so, as directed, I called Equifax again on XX/XX/2021. I responded to the automated questions and was again directed to call them back. 

Quite frankly, I feel that I am caught in a loop that I did not create -- and that I am unable to resolve. Any assistance that you can lend would be most appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Flagstar Bank, N.A.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have contacted the bank for over a month. The loan holder passed away on XX/XX/2020. I am the confirmed successor in interest of the home. 

I first called their loan servicing company on XX/XX/XXXX to explain that the homeowner had died and that I was inheriting the property. They in turn immediately filed for a foreclosure sale, knowing that ownership had already transferred to me. 

It took them a month to confirm me as the successor in interest. I have filed loss mitigation papers and they have given many excuses, including, I must assume the loan in order to be considered for loss mitigation. I have informed them over and over that I am able by law to make modifications without assuming the loan. This is my legal right. The bank refuses to do so.

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 2020-05-07
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I Sent Bridgecrest a letter Of Validation On A Account They Trying To Collect On Over 30 days Ago ... .Bridgecrest respond to the letter With A COPY OF A CONTRACT which Is Not What I asked..I Was Asking Them How Did They Come Up With The Extra Money They Trying To Collect From Me .... ( I Will Enclose A copy Of The Sample Letter I Type Out ) ... .They Didnt Do Anything I asked Of Them INCLUDING DO NOT CONTACT ME BY PHONE ... I Asked Them To Contact Me Through Mail ... They Cant Prove To Me Where This Money Coming From, This Car Is PAID IN FULL, I Begging Them For Proof Of This Money They Saying I OWE ... They Reporting Two different Totals {$3.00}. & XXXX. On Different Credit Bureaus ... But wont send me anything saying How This Possible..They Violated By Calling Me Repeatedly When They Were Asked NOT TO CONTACT ME BY PHONE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Early Warning Services, LLC
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:
There are several accounts on my consumer report that I have tried to get off because they were not accounts of mine, my information was used several times and there are even phone bills in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Yesterday morning, I attempted to freeze my credit on line at Equifax. It put me into a loop that they could not process it at this time and to try later. After several attempts to try later, I called the number given for customer service. They said their system was updating and to try again in 30 minutes to 1 hour. I tried again in 1 hour to the same results. I then waited overnight and tried this morning at XXXX CST with the same online loop, then the phone call to customer service, where they said they were updating and could not access any files, so try back in 30 minutes to 1 hour, or try the automated system. I called the automated system and when I pushed the selection for credit freeze, it froze the line to dead air. I waited 4 hours and tried again on line ( to the eternal loop ) and called customer service, who told me they were updating their system and to call again in 30 minutes to 1 hour. I called the automated system and, when I got to the dead air point, I waited it our for 45 seconds and then got to input my street number and SSN to order the freeze, after about another 45 seconds of dead air, the voice came on to say they couldn't process my request at this time. My guess is that if I wanted to purchase some product of this bureau everything would worked fine. All I want is to put the freeze on my credit as I did with the other two credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Submitted loan modification with Bayview Loan Servicing. Prior to Bayview 's decision regarding the loan modification I was contacted by a law firm that my home was scheduled for foreclosure sale on XX/XX/2018. Bayview through deception processed my loan modification with no formal decision and proceeded to push my home through foreclosure proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX XXXX-2017 I spoke with a Repetitive about an allege debt that XXXX XXXX XXXX claims that I am responsible for. I stated that I have know knowledge of this debt and it is a result of identity theft, I then stated that they are in Violation of the Fair Debt Collection Act by not sending me requested original documentation or agreement bearing my signature as validation of this debt as well as the Fair Credit Reporting Act by reporting unverified information to the Credit Bureaus, XXXX XXXX, XXXX and XXXX. and which is a defamation of charterer, that will be included in my Lawsuit with XXXX XXXX XXXX if this matter is not immediately by deleting this unverified debt from my credit file.

Company response to consumer: Closed with non-monetary relief