BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-11
Company: EOS Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I have sent this debt collector several letters using the available templates letting them know I am not liable for the debt they are attempting to collect and to cease all communication with me. They still continue to call me regularly and do not leave voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: EQUIFAX, INC.
State: NC
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 sent letters to all XXXX credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late For any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Please remove all unverifiable and unauthorized information off my credit report or I will have File for litigation. I have been working on this for a while and I have not been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account is paid and I have taken care of all payments that were due. I have asked for this account to be removed. I am applying for a home and this is hurting my credit score. This account has been paid in full; and I am currently awaiting for the deletion letter as I am under contract for a house. Can someone please help me get this deletion letter asap due to this error. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: NRA Group, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On  XXXX   XXXX ,  XXXX     XXXX   XXXX   XXXX   pl aced a collections account for {$1200.00} on my credit report. This account is the responsibility of my father and does not belong to me. This is the second time the account has been placed on my record, even after the issue was previously resolved through the CFPB in  XXXX .    XXXX   XXXX   XXXX   has  once again placed this false debt onto my report, and without written notice or validation. This account has been disputed through the credit bureaus in  XXXX  and was removed from  XXXX , however NRA refused to remove the account from  XXXX  and  XXXX , therefore knowingly and willingly leaving the incorrect information on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX, XXXX Department for PennyMAc received our request to change the occupancy ( a form in the paperwork ) from residential in order for us to purchase another home ( better security area, more convenient to work location, etc. ). 
XXXX XXXX spoke with me for 15 minutes. I am an XXXX XXXX with a XXXX XXXX XXXX. She asked me to verify XXXX, XXXX and address. She asked me if renting, what would I rent our current home for since our current mortgage is {$1400.00} ( we pay more than minimum each month ). The current home has pool table, large rooms, in close proximity to large naval base/airport, etc. ). XXXX XXXX never XXXX for documentation to show we have over {$31000.00} in a savings account for emergencies. She did not ask for documentation showing $ $ $ in our XXXX, nor documentation showing $ $ $ in a XXXX, nor asked if we had mortgage insurance with PennyMac as beneficiary in case we died ( to protect their interest ). XXXX XXXX of the Research Department determined that we, XXXX Americans, do not need to purchase an investment property and said " we must sell our current home '' as the only option available to us. Her letter did not state any other options, did not provide a PennyMac phone number to escalate or request an appeal. XXXX XXXX of the XXXX Department failed to accurately review ALL pages of the VA Mortgage documents and violated veteran 's rights to appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: FIRST NATIONAL BANK OF OMAHA
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The lady who helped me at this bank was very nice and this saddens me to file the complaint because she is a good person : but Ive tried to work this out and my time is being wasted. It seems nothing gets done right unless I file these. So here we go - First off I was lied to by a division of the bank and A guy named XXXX XXXX from XXXX who do merchant processing. He told me he needed my personal info but would not check credit and I received a hard inquiry he then said was a soft pull. I have screenshots of text proving I told him dont touch my personal credit for the business or I would not sign up. He lied. I filed a complaint with the FTC, and that inquiry accounts for 10 % of my score and stays on my report years. 

Missouri law says I may bring action against anyone who harms me or my credit report. I demand financial compensation for XXXX XXXX XXXX lies and actions in the amount of {$250000.00} for deception and fraud. 

Next up is a nice kid named XXXX who I asked to updated my business address. I told him its fine to leave my personal address but my business needs to be right and matching all other docs and accounts. He told me he updated it but my card keeps being declined and will only work when I use the old zip code I asked to be updated. 

I called and a guy name XXXX transferred me to XXXX who was rude at the customer service number and it upset me. They are also forcing me to provide my ssn number on business account when I call in even tho I have a ein or duns number they can use for verification. 

I own a llc which is a desperate entity from the business owner under Missouri state law. Again I have the right to bring civil actions against anyone accessing filing they should not. By requesting my ssn for my business account daily my rights are being violated. 

I dont mind providing it up front when opening account which I did to prove Im not a terrorist or money laundering as XXXX XXXX explained. But after passing the know your customer check my business should be respected as a separate entity. I wont request money from fnb because I like XXXX as a person and she has helped me and been nice. Im going to simply politely ask you to have customer service use ein to verify when I call in and update the address on biz account to grandview like I asked XXXX to do. I dont demand compensation because you have treated my fair in the past. 

Im very sorry to file this complaint on your bank but the way XXXX treated and talked to me when I called in is unacceptable.

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 2021-12-09
Company: Nevada Credico, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We have received a collection letter from Quantum Collections for a XXXX collection that isn't ours. 

My dad and I have a XXXX XXXX collection reporting to our XXXX credit reports for an account that isn't ours, it's my brothers who lives in the same household as us. We demand that this collection be removed from our reports as it is causing our mortgage loan to get declined. Scenario : My brother 's car was a XXXX XXXX, XXXX. He sold his car in XX/XX/XXXX. He took the plates off the car but did not submit the plates to the XXXX. 
The vehicle was abandoned on the roadside by the new owner. When the towing company ran the car 's VIN number it came back to my brother as still owning the car. The towing company sold the vehicle and came after my brother for additional money. He has since dealt with the XXXX issue however, there is a collection not only on my brother 's credit reports but, also mine and my dad 's and we had nothing to do with the vehicle- we just happen to live at the same address as my brother. My info : XXXX XXXX social security ending in XXXX Brother 's XXXX XXXX XXXX XXXX social security ending in XXXX Father 's Info XXXX A XXXX social security ending in 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 2020-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Bank of America put a hard inquiry in 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 2017-04-17
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My issue is with Midland credit mgmt. They keep calling and calling from multiple 3rd party numbers directed through the US from an office in XXXX and I have not authorized anything from them and tell them to contact me after work hours from a US based office to review there claims of debt., they are pushy and dont want to take no for an answer even after stating that I am at work and can not talk. My wife had an issue with them as well and after she did pay them, they stated she never made final payment and kept charging late fees and refused to work with her.

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 2017-04-24
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had applied for a modification on my property and have received more than  XXXX  modifications in the pa st 7 + ye ars. I had applied 1 year ago and the process took the whole year to give an answer. In the meantime m y Condo Association has  filed to foreclose on my Condo for past due fees. In NJ there can go ahead of the First Mortgage. In  XXXX  of  XXXX  I filled a Chapter  XXXX  Bankruptcy. I was asked by my mortgage company to continue submitting documents to hopefully get another modification. Since filing for the Chapter  XXXX  bankruptcy there have asked for documents in many many different forms that were very strange. They wanted proof of income but in  XXXX   XXXX  they told me a  XXXX  was not proof of income. I was in the mortgage business 20 years ago and could not believe this was true. I did finally send an acceptable document and then they rejected my application but failed to send anything in writing to me or my attorney ( They have said many times they had sent documents. Never. ) I was told to apply again but The response which was also not sent was that that they could " not lower my payment by 20 % and therefore I was rejected  ''. ( This only took 2 weeks. ) I  spoke with my mortgage rep at the mortgage company and he was able to email me the letter. I then read my local newspaper  XXXX    XXXX   XXXX    XXXX  and saw that you are suin g Ocwen Loan Servicing a nd that is my mortgage company. I also have had a add-on of property insurance and it took, me 18 months of fighting and just  3  week ago they agreed I was right and credited the money back to my escrow account. I can not get a copy of my escrow to see if there are any other add-ons that need correcting. I do n't know what can be done but this company will not talk to me. or my attorney. I am a recovered  XXXX   XXXX   XXXX  patient. My health is doing very well. I have been able to increase my income and I was told that was the reason for the last modification denial. Now the reason has changed. I do n't understand there current reason and do not know what to do to save my home. My chapter  XXXX  may be able to work but Ocwen 's reason is the modification denial is making that impossible. When I read the newspaper article I thought I should contact you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XXXX   XXXX ,    2017, I we nt to the Santander branch to close my account. I withdrew my entire balance and requested the account be closed. The teller told me it was closed. I checked online and the account is still open. I sent an email on  XXXX   XXXX ,  2017 as king why the account was not closed. As of  XXXX   XXXX ,    2017, n o response. I sent another email asking if they are going to respond to me. On  XXXX   XXXX ,    2017, I  sent another email and told them I would be making a complaint with whatever agency was appropriate. I finally got a response after that at  XXXX   XXXX  ( 5 days after my initial request ). They told me they did not have my account information and to call them. I replied and gave them my account number as well as a phone number to reach me at. I also told them I would not call them as they have done nothing but lie to me during previous calls about other matters - which is why I cancelled the account. Also, I spent much time at the branch closing my account in person and I would not spend more hours on hold which has occurred every time I have contacted them. Since  XXXX   XXXX , I have sen t 5 m ore emails daily requesting a response and they have refused to respond to me.     Santander Bank refuses to close my account and presumably intends to charge me a service fee in  XXXX .     I want my account closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
Capital One Auto Finance and Capital One are reporting unauthorized credit inquiries on my credit report. They are reporting as follows. 
COAF on XX/XX/2020 to XXXX Capital One Auto Finance on XX/XX/20 to XXXX Cap One AF on XX/XX/20 to XXXX Capital One on XX/XX/2020 to XXXX Cap One NA on XX/XX/2020 to XXXX  Capital One on XX/XX/2020 to XXXX Capital One on XX/XX/2020 to XXXX Capital One on XX/XX/2020 to XXXX Capital One on XX/XX/2020 to XXXX Capital One on XX/XX/2020 to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This collection agency continues to harass me with calls and notices and has not complied to my request to stop the excessive calling, provide name and address of the original creditor, a copy of the original signed contract, delegation of authority giving them the authority to collect the debt, and a complete accounting / statement of payments with interest and fees associated with of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: Franklin Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I rented an apartment where I needed a LANDLINE for " work from home '' purpose. The XXXX XXXX XXXX field tech did not want to install a line from the pole to the building, Stating it was OLD technology and I SHOULD be using the DSL line option. Field tech left and NEVER installed / established services for this account. But XXXX XXXX XXXX did generate a bill that service was done. I called and had no luck with the rude XXXX XXXX XXXX service reps. Stated they only go with what their system says.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
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: Personal information incorrect

Complaint:
I have contact all  XXXX  credit bureaus to update my date of birth. I have sent my drivers license and they are still showing the wrong date of birth.

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 2022-04-28
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Im submitting this complaint against PayPal. I am at XXXX  host and was sent {$2400.00} on XX/XX/XXXX to my XXXX PayPal. I tried to have the funds instantly transferred and they needed to verify my identity. I submitted my drivers license along with a scan picture of my face. They then sent a message saying that they were having technical issues. I called they asked me to connect the bank account thats connected to my debit card. I did that. They said it would take 24 hours. Now theyre saying it will take up to 72 hours and they will send me a message to let me know if theyre going to transfer my funds or not. I believe they are illegally holding my funds and Ive called twice and they keep on giving me the runaround.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-15
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Barclays reported to the Credit Reporting Agencies that my father was deceased ( he's alive ). 

As a result, my father ( whom I have a power of attorney for ) had another credit card close his account causing direct consumer harm. 

Barclays has received no information indicating my father passed away, and has directly violated FCRA and UDAAP. 

I have called Barclays, and each time their office seems to have limited understanding/knowledge, and has not been able to provide any information. I have been transferred to a voice message. Each phone call is spent confirming PII for customer verification, blind transfers where I am forced to repeat all of the same information. 

Barclays requested speaking with my father, and I advised them I am handling his business. Barclays further insisted on speaking with my father, and I advised the point of a POA is so I can handle his business for him. I resent the POA to Barclays twice.

When I called XX/XX/XXXX, I was transferred to Barclays outsourced ( XXXX office ). I advised them that my father is not dead and asked what is being reported to the CRA 's. 

I was advised they would investigate and determine in 7-10 days. I asked how I would be advised of the resolution, and I was told I could call back. 

Additionally, I advised that a payment was sent in XX/XX/XXXX or XX/XX/XXXX and advised that I have not received any further bills. I asked how I could be provided, and no indication that I should anticipate receiving anything.

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