BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I contacted my credit card company ( Cap One ) to report fraud. It was n't until I let them know I knew about the CFPB to report a complaint that they finally addressed my concern. However, I received a rebel for the exact reason for which I filed a complaint. I received a message from someone in their dispute resolution team and after XXXX messages/phone calls I have yet to receive any explanation or assistance from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Dear Experian : I had initially disputed numerous times with Experian Credit Bureau and you are still reporting the incorrect information My last dispute containing this incorrect info was sent to you on XX/XX/2011 : Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete this incorrect and unverifiable address from my credit profile. 

I am giving you NEW info, so you are required by law to properly verified. 

Based on the FCRA and my counsels review of the FCRA, you are supposed to conduct a reasonable investigation on items presented to you by consumers. 

I am requesting your method of verification with my dispute as required by the FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) 6. B. ( iii ). 

Thank you, 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 2016-12-02
Company: The CBE Group, Inc.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have told them I would pay them online and they have locked that paying option and are making me call them to resolve this account in which I am not commfortable especially with the first gentleman who called me on XXXX Friday trying to resolve a {$1500.00} debt and not giving a XXXX about anyones ( XXXX XXXX ) expenses. I tell him then I tried to settle the account in a loan and didnt recieve the settlement letter so never got the loan. Calls me Monday, same guy. I said you really think my situation has changed? It was not pleasant. Then they keep calling me today and I am continuing to block their numbers until they unlock the account option to pay online and I will take care of it then. That is my hope in submitting this is to get them to unlock the online pay option and I will make arrangements to resolve the account online within 30 days. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank of America juggled my transactions in order to maximize the number of overdraft fees they could charge me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Today, XXXX XXXX, XXXX, one day after the auction of the unsecured debt ninety months past due related to the XXXX Deed of Trust which Bank of America has represented to me no principal balance exists, I have had to deal with a man driving a blue XXXX XXXX claiming his client bought my property and home. After he tried to open my front door without knocking, I told him to leave as he is trespassing and not to come back. I also informed him his client may have bought a debt, but he did not buy this property as this property was not used as collateral to secure the debt once incurred under the terms of the XXXX Deed of Trust and to contact Bank of America to get the details related to the XXXX Deed of Trust, California Homeowners Bills of Rights, Fair Debt Collection Practices Act, and Adverse Possession. 
Additionally, Bank of America has committed multiple acts of fraud related to this account, including dual tracking. But for dual tracking, I would not be subjected to the unwanted traffic upon my property and disruption of my quality of life. It is because of dual tracking, the recording of the Notice of Default, subsequent Notice of Trustee Sale and the Trusstee 's auction, I can get no rest nor peace, night or day. 
All previously mentioned resolutions are desired and required, including a brand new home built on the subject property complete with landscaping as it is no longer a place of peace, security, and tranquility.

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 2021-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please remove all inaccurate information - see attachments delete all accounts & inquires listed below FCRA VIOLATION XXXX XXXX {$14000.00} Closed 8 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount {$14000.00} {$31000.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  {$83.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$1500.00} Dispute this account XXXX XXXX XXXX Original creditor : XXXX XXXX {$3000.00} - Dispute this account XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1600.00} Balance updated XX/XX/XXXX FCRA VIOLATION Delete the inquires below - see attachments XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXX/XX/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 2016-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
These alleged accounts opened without consent.

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 2017-01-15
Company: Experian Information Solutions Inc.
State: ND
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft and have been a victim of identity theft for over 10 years. I have an unauthorized and fraudulent credit inquiry listed on my Experian credit report. The following credit inquiry is unauthorized and fraudulent : XXXX, XXXX/XXXX/17. The credit inquiry do n't belong to 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 non-monetary relief
Consumer complaint received 2021-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 has a collection report from XXXX XXXX XXXX on my credit report. I have contacted XXXX XXXX XXXX about this account ; they have no information about it. I opened a dispute with TransUnion, they closed the dispute and will not share what evidence XXXX XXXX XXXX presented to them. I do not have any records of an outstanding invoice, bill, or service with XXXX XXXX XXXX and can not obtain one from them or TransUnion.

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 2017-03-07
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
***California Lease***** Kia Finance is charging customers XXXX tax rate on XXXX payments. The auto pay is adjusted to take the correct new tax payment, but since the bill is not adjusted customers show that they owe a small amount due. usually less than a dollar. Kia is telling customers to pay the balance due which is a huge burdon to cancel auto pay, pay the amount and re set it back up. 

When the fact is that Car leases are paid front end, not in the rears. So XXXX 's payment should be for the new tax rate. That payment would be for XXXX to XXXX. Since the bill from Kia came in XXXX for XXXX payment they are charging for the old tax rate in XXXX, By doing this all consumers are paying the higher tax rate in XXXX WHEN THEY SHOULDNT BE! Kia recognizes this but thier solution is for the consumer just to pay the extra money and then starting XXXX they can make the lower payments. This is incorrect!. even their auto pay system adjusted to the correct rate in XXXX but the bill due did not adjust.

Company response to consumer: Closed
Consumer complaint received 2016-09-30
Company: RABOBANK, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
on XX/XX/2016 ACH DEBIT XXXX XXXX XXXX was overdrawn and charged {$35.00} for NSF. AFTER THAT CHARGE ALMOST ALL CHARGES WERE GETTING OVERDRAWN MOST OF THEM XXXX OR XXXX I TAKE TO WORK AND BACK HOME. XXXX CHARGES TIMES {$35.00} TOTALING {$560.00}. I ATTEMPTED TO ADD CASH TO MY ACCOUNT WHEN I NOTICED WHAT WAS GOING ON. RABOBANK ALSO STARTED CHARGING MY ACCOUNT OVERDRAFT FEE FOR CONTINUOUS OD XXXX XXXX TOTALING {$25.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: Better Mortgage, Inc.
State: TN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have never been treated more shabbily by a firm than by Better Mortgage. I have a great credit score. I have paid every bill I have owed for 40+ years. My net worth is ten times the amount I am attempting to refinance. They spent ten weeks asking for document after document, then rejected my application. It became clear to me that they were not going forward because I had locked in an 1.875 % rate and the market had turned on them. I spent literally hours for nothing. And now the market has turned on me. They have cost me tens of thousands of dollars. There ought to be a way to recover that. Have they broken any laws by refusing a loan to someone just because they will lose money on the transaction?

To whoever reads this-stay away from Better Mortgage. They are not an honest and faithful business. Dont be treated like dirt as I was.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: Omega RMS, LLC
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid Omega RRC for a debt they said I owed for XXXX XXXX XXXX, however, XXXX XXXX XXXX closed and I am not able to use the services or have services provided prior to their closing. I paid Omega over {$2500.00} so that they would n't ruin my credit as they were threatening to do so. I called Omega and explained the situation and they supervisor XXXX said that I should continue to call XXXX XXXX which the line is busy XXXX. I paid Omega travel on XXXX via XXXX XXXX the balance they stated we owed. Omega collected on a company that is closed, the XXXX also states they are out of business and Omega has n't been able to send us documentation that the amount was owed. I feel we received NOTHING for the money we paid Omega so we should receive our funds back from them. Any assistance you can help in resolving this matter would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: Risecredit, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I tried to get them to work with me during an unexpected financial hardship. I explained to them the current situation and when it would be resolved by. I also have been making payments even though the company refuses to extend the term of the contract out and make the payments more manageable for me. I also told them I would call them in a few days and let them know if I would be able to make an extra payment. Even though I am doing everything I possibly can to make payments, I was told that my account would be charged off on XXXX XXXX. And my phone rings off the hook every hour non-stop, every day of the week. I could understand if I was n't paying or communicating with you. But I am doing XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18
Company: National Credit Adjusters, LLC
State: SC
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
On XXXX/XXXX/2015, firm contacted my estranged spouse who I never gave as a contact on my loan documents and told him that I wrote a bad check and were attempting to get in contact with me. He texted me their contact number and I called because I knew I did not have any checks written to any company for any reason. Spoke with an agent and they placed a male coworker on the line and he stated that he was the attorney for XXXX and I was being charged with fraudulent check and fraudulent use of a closed bank account and they were processing papers to have be arrested within a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: Capital Management Services, LP
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Contacted a family member- I had been communicating with the agency and trying to decide how to handle the matter, and they started calling family members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: EQUIFAX, INC.
State: NC
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 demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Since XXXX we have paid our mortgage that includes an escrow account for property taxes and home owner insurance. In XXXX XXXX sold the home loan to Penny Mac and they continued to pay the home owner insurance policy that is until XXXX. Our home owner insurance company closed the policy for non payment with no call or email to notify of the situation. Furthermore we paid in XXXX XXXX a escrow differential to cover an increase on the policy supposedly. XXXX XXXX company would not reinstate the policy and when I call Penny Mac they blame us and we asked them where is the money we pay every month towards the escrow, they say " oh, it 's sitting there. This is clearly a case of mortgagee error. Penny Mac has to admit error and apologize and do whatever it takes to reinstate my home owner insurance at no additional cost to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: Midwest Recovery Systems
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Upon checking my credit report, I saw that Midwest Recovery Systems had placed XXXX separate accounts, which I have no knowledge of, on my credit as a negative collection. XXXX for {$300.00} and XXXX for {$270.00}. The so-called creditor is Purchasing Power? I have no knowledge of these accounts. There was no account numbers provided. I have had no contact from this creditor at all. I have sent a letter of complaint to Midwest Recovery Systems. I am a XXXX, and it is possible that this debt is my father 's. But I am leery of that also.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: CITIBANK, N.A.
State: MD
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:
there are two inquiries on my report that i never gave premission XXXX and XXXX plcc please remove these off of my report 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 2016-09-01
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I sent a letter requesting for the debt collector to validate a debt based on a letter I received from them. They responded back without validatng the debt. The information they sent does n't have my signature accepting service from their creditor or any pertinent information. There is no proof submitted. Also, I stated I do n't know this doctor and the date of service is almost 2 years ago. I had two different insurance ( primary & secondary ) during that time period. If their billing person did not bill correctly the insurance companies ; then I am not responsible for the bill. Also, if another doctor took over the practice ; then the new doctor can not claim service he did not perform. That is fraud!!! Information provided is proof but something printed out from the debt collector 's computer system. It does not show proof from the creditor!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: EQUIFAX, INC.
State: OH
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:
I am a  XXXX   XXXX   XXXX  veteran. On my report for   XXXX   there are  XXXX   XXXX  accounts, all are account number  XXXX . That were disputed that were closed and then removed from the report. 2 Days later they showed back up on my report as new accounts and i have since placed new disputes on this. How can they remove then re add these accounts?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear Consumer Finance, This complaint is regarding Paypal, they have closed my account for no apparent wrongdoing or going against any of their policies, and they will not help me access it back, I assume it is a mistake or review that was not done appropriately, I have tried contacting and have had no answer nor any help regarding the account limitation, which I believe is unlawful, which where I thought you could help out the situation, I use Paypal for my business and has over XXXX XXXX withheld by Paypal, this will affect my life and well being as I can not afford to have over XXXX XXXX withheld fraudulently. The email linked to my Paypal is ; XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
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 lost my wallet in college years back and my identity was used to open fraudulent accounts such as XXXX  and capital one and those creditors are refusing to correct or verify how those accounts were verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: Nationwide Debt Management Solutions, LLC
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Threatened me by stating that they needed to motivate me. Threaten me by telling me that they know where I live and work. Stated that they would be filling a law suit and was informing me that they had filed for employment verification and intended on contacting my place of work. Contacted my ex wife threating her, would not state whom they were, told here they knew everything about me and where i worked and lived.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is a medical bill in the amount of {$90.00}. This bill was paid by insurance. I paid the bill before they stated it would go to collections. The company still reported it to collections even though they stated they would not do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation