BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-19
Company: Specialized Loan Servicing Holdings LLC
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This relates to my previous complaint number XXXX, to which the mortgage servicer ( SLS ) responded in pertinent part as follows : " SLS has investigated the matter and determined an error in the submission of funds to XXXX XXXX after disbursement. To ensure correction of the situation, as of XXXX XXXX, XXXX, we have issued a refund to you in the amount of {$140.00}, which includes principal and interest. Refunds to the escrow account in the amount of {$1900.00} and {$1800.00} have also been applied, less any balances in the escrow account. '' The refunds to my escrow account described in the response letter have not been made. I am still out {$1900.00} in property taxes that SLS failed to pay on my behalf as promised under the terms of my mortgage ( apparently due to an unspecified " error in submission of funds to XXXX XXXX after disbursement '' ), and associated penalties. After receiving the response, I spent the better part of a day speaking with various SLS representatives, none of whom was able to describe whether or when the escrow credits would occur and when or how those funds, once credited, would be disbursed to me to replenish the personal funds I depleted to pay the taxes SLS failed to pay on my behalf and associated penalties. At the conclusion of my final call, an SLS representative actually had the audacity to state that the best she could do for me was offer to open a research case, despite the fact that SLS ' response letter specifically indicated that they had already researched the issue ( over the course of a couple of months ) and concluded that credits were due to my escrow 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 2020-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX is trying to collect on behalf of XXXX XXXX  for an unknown debt. XXXX XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a RE-INVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$1300.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.

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 2020-07-21
Company: Experian Information Solutions Inc.
State: NY
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:
On XX/XX/XXXX, i write to all these 3 agencies to fix the issues of my amounts were paid in full as agreed as for XXXX and XXXX  XXXX card alleged balances. I called even last week XX/XX/XXXXand i just given the run around with nothing. I am suffering from there actions as i cant get the house to buy when i have done what is right long time ago. I now reach out as my last hope as they just not right with 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 2019-06-01
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: Information belongs to someone else

Complaint:
This account is fraudulent XXXX XXXX XXXX {$5400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-31
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2020 I was inundated with threatening calls and USPS collection notices for a debt that had been charged off by XXXX XXXX  was now under a collection of NCB Management from XXXX, PA. They put it on my credit report, not as XXXX XXXX  but as a collection agent which is not authorized to collect anything in the State of Florida or for that matter, anywhere but in Pennsylvania. Having them do this to me I subsequently lost my employment because of this item, when I do not have any other negative marks on my credit. 

I notified them as pursuant to fair credit reporting act a listing of items that I wanted proof of and also informed them that they have to remove it from my credit report until legally resolved. 

This is pure harassment resulting in the loss of income, loss of a job, loss of dignity and I find out that what they are doing is against the law AND HARASSMENT OF A SENIOR CITIZEN which is against Federal Law. 

It is a violation of the Fair Credit Reporting Act It is a violation of The Fair Debt Collection Practices Act Defamation of Character Loss of Employment due to this specific negative item in credit report. 

They have not answered the legal complaint and as such their practices should be null and void.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts, nor did I authorize these companies to pull my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: WELLS FARGO & COMPANY
State: TX
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 a loan with XXXX XXXX XXXX, XXXX and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX  and XXXX XXXX   XXXX XXXX, XXXX, and XXXX  with no successful resolution. There was definitely an error on their part.

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 2021-11-27
Company: PNC Bank N.A.
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XXXX XXXX XXXX, PNC Bank completed the merger with my bank, BBVA. I completed the process for mobile access to my accounts on the XXXX. To my surprise and dismay, I could not see my accounts, but I could see those of my Ex-husband. These are accounts that have been opened since our divorce in 2018. I could see his recent transactions, etc. 

I went to the branch in my hometown of XXXX CO and sat down with the manager, XXXX XXXX. He was shocked when I showed him that the accounts I was seeing were not my own. I could not see my accounts, so I can only speculate on who could see them. XXXX XXXX could not do anything to help me, but offered to escalate the problem. 

Several days later, I could see my accounts, including a personal signature line of credit ( which PNC labeled a business credit line ) initiated in XXXX of XXXX. The max draw was {$250000.00}. I used {$200000.00}, and had paid the note down to approximately {$170000.00}. The loan terms were interest only for a year, then principal and interest. The historical payments were between $ 700- {$800.00} per month, plus some principal payments. When PNC took over, they upped the payment to {$4700.00}. I immediately called and after many calls and lengthy holds, I was told that it was being escalated. I spoke with a woman named XXXX, no last name given who was sympathetic, yet could not remove the autopay. She said she escalated the case. 
I eventually spoke with XXXX XXXX, a case manager on XX/XX/XXXX, XXXX XXXX, case manager on XX/XX/XXXX, and now XXXX XXXX, case manager, on XX/XX/XXXX. In the meantime I have spoken with at least 5 other representatives who answered the phone and could do nothing. I spoke with XXXX on on XXXX who assured me the auto pay was discontinued so I could make the interest only payment. I promptly paid {$800.00} to cover the interest on XXXX, only to find that PNC continued with the autopay in the amount of XXXX on XX/XX/XXXX! They were going to get their {$4700.00} even though autopay was discontinued, and this is an interest only account! 

I need help resolving this. PNC has been no help in resolving this issue, passing it on to yet another " case manager ''. I plan on closing the account that they are drawing on, as to prevent yet another unauthorized deduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
On XX/XX/2020 Capital One Acknowledged receipt of my request to close my general credit card account. Unfortunately, despite repeated requests, they have refused to provide me with billing statements that itemize transactions and payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
This complaint is regarding a XXXX XXXX XXXX bill submitted at the time we sold our residents in XX/XX/2019 where services were received and moved out of the state of XXXX XXXX   to XXXX. We did leave a forwarding address. We received a bill prior to moving which a partial payment was made. The next month, XX/XX/XXXX we received another bill by way of our forwarding address ( see attach copy ) which another partial payment was made and cleared XX/XX/XXXX. Although we did not received another bill in XX/XX/XXXX, we made another partial payment and was cleared XX/XX/XXXX. Our next notice regarding this bill was received XX/XX/XXXX via our mail forwarding address from CPA Credit Protection Association ( see attached ) stating that the balance was submitted to the credit bureaus for non collection. Upon receipt I contacted them and paid in full the balance. I also questioned why it was sent to credit bureaus when payments were being made and was informed that credit bureaus would be notified of payment. After this call I did receive a letter stating this, ( see attached ). Once I noticed my credit score was impacted due to this I contacted both XXXX and CPA to dispute it with no results. I have also attempted three times to have XXXX   correct the issue with all three results stating ( Verified ). 
My credit rating has always been in the 800 range and is now XXXX  because of this error. It also identifies that no payments were missed. 
I believe this has been wrongly reported since 1 ) I was making continued payments and they acknowledged such, 2 ) I never received prior notice ( s ) before XXXX that balance was going into collection.

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 2018-05-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
When l checked my XXXX, XXXX and XXXX, l realized that ; CAPITAL ONE reported an inquiry to 3 of the bureaus on XX/XX/2018 which l have no idea about.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: JPMORGAN CHASE & CO.
State: NY
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:
1- XXXX company made 3-6 charges on top of my charge and on days i didn't make charges. ( this is involving 5 of my credit cards that they have maxed out ). I was charge over 130 charges between my credit cards that i didn't authorized.

2-I have redemption ( s ) that was canceled by them.

3-I have contacted them since learning of the scam/fraudulent charge begin XXXX thru XXXX, XXXX. They have no number only email. Have ask them to fix/investigate and refund. Was told account was compromise at one point. And they will not reimburse, even the won redemption ( s ) as she said someone canceled and use it.

4-The company 's business model is a scam and not as what they claim. ( basically they are a casino using the loophole of a sweepstakes company, using unfair practice to change the XXXX, XXXX XXXX  misrepresented payouts and odds. They also can change the rtp on any specific player. 
5-I have disputed and or filed fraud with credit card companies, Most are coming back denying the disputes/fraud. Have told me I will need to go outside of the resources to get any help.

I have 2 credit cards with chase that both was maxed out. Chase have denied the disputes and never provided me any appeal process.

I am still dealing with XXXXXXXX XXXX ( also 2 credit card, maxed out ) and most have been denied on the disputes/fraud. 

XXXX XXXX has closed my case since XXXX. I am still trying to reach out to them with regards to the dates shown as account had suspicious activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: American Credit Acceptance, LLC
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
American credit acceptance is charging me exorbitant late fees daily right now it is up to {$1400.00} with an interest rate of 25 %. This is unfair to consumers, especially minority consumers who need an auto loan. They are not willing to reduce my interest rate or remove any of the late fees. This company is hindering my chances of paying the loan in full because of adding extra fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Hi Im XXXX and I wanted to let you know that I went to get a loan so I could help my moms with her meds and the bank that I have been with denied me. I ask the man why and he showed me a copy of my credit. There are some items on there that are not mine and if you guys could help me with this that would be great. I have contacted the FTC and the police. I'm doing this on my own behalf. XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX 'S XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX/XXXX, XXXX, XXXX/XXXX, XXXX 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 2020-05-31
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX is trying to collect on behalf of XXXX XXXX for an unknown debt. XXXX XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the XXXX credit bureaus. I have yet to hear back from the credit bureaus after requesting a RE-INVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$1300.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.

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 2021-09-01
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i have been contacted via email and mail making attempts to get me to pay a debt I do not owe. I have asked them several times to provide me with proof of their claim. I have asked them to provide the contract that bears my signature. I asked them to state specifically what services and or goods they provided that warrant me to pay them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was involved in a hit and run accident on XXXX22.My doctors advised me that I was looking at a year before I could work ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I reached out to my mortgage company in XXXX in 2022, asking for help.I submitted an explaination letter, bank statements, and application for loan modification and or any programs I could qualify for including putting payments on the back of my loan.To date I continue to get lied to saying documents were needed or they didnt receive information on time.I started e-mailing documents while on the phone with representatives, faxing documents to have a paper trail .I have had to resubmit requests for help over and over again.I now am 6 months behind, and still not working.New persons keep getting assigned, and the same run around starts all over again. ( 5 people since XXXX2022 ) Many dont read the notes on the account.The whole thing seems like a scheme to take my house.I am getting notices about foreclosure.Im being told these notices are automatically generated.I have documentation of everything.faxes, e-mails etc.I need helpXXXX.Enough is enough already

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
Order not received from merchant XXXX during the first week in XXXX. Contacted XXXX and they were only willing to refund back {$35.00} for 3 packages that were lost. Refused to issue a refund for order amount {$780.00} & {$770.00}. I was told that I would have to take this up with my credit card company which is Capital One. Contacted Capital One & explained to agent that this merchandise was not received by me and they initially filed this as a fraud claim instead of a dispute and I had to wait a whole month for them to close out the fraud claim. I then was contacted that this was a dispute that needed additional paperwork. It was not explained to me at that time that I would have to submit the same paperwork twice although this is the same charge on the same day. It was not explained to me that I would receive two claim numbers from Capital One and that I would have to respond to each one separately with the paperwork that I had showing contact from the merchant and the delivery company. They reversed the charge for {$780.00} and then sent additional documents for the charge of {$770.00}. The documents would not open that were sent in my email and when I contacted them they stated that I could access them through the app. This was on XX/XX/XXXX at which time I learned that they had reapplied the charge and interest for the {$770.00}. 21. I explained that I thought that this was taken care of and that I wish to reopen the dispute. The agent told me that she would do so and send me a link to upload the documents. I received another letter after I resubmitted the same documents stating that the timeframe had expired and that I will have to contact the merchant. I am now having to pay for merchandise that I did not receive.

Company response to consumer: Closed with monetary relief