BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Good Afternoon, I have a Capital One Platinum credit card for ten years now. I realize that I am being charge an annual fee/ member fee for XXXX on a card that has a {$0.00} annual fee. You can check Capital One website, XXXX XXXX, XXXX XXXX, XXXX.All sites boast {$0.00} annual fee On Capital One Platinum card, there is NO member fee. I called and spoke with a rep that couldnt explain to me why only said I had been paying it annually every XXXX and suggest I apply for one of Capital Ones other cards. Which was strange of him to suggest. I sent an email to their corporate officers and have not received a reply. When I XXXX issue there are other people experiencing same issue without explanation or prior correspondence explaining fee. I have been keeping a XXXX balance on the card of late and thats why it as in fee stood out to me. I want the new fee waived on my XXXX statement, not too much to ask for after ten years as a customer AND my previous funds paid back to me of XXXX.I went back to beginning of this Platinum account and was actually charged an ANNUAL fee of XXXX and even charged twice XXXX on same bill same year same time twice?????????? I have snap shots of all previous statements and can proof what I have written. I also have Capital One and statement of {$0.00} annual/ member fee. In any case Capital one is a bank one can not be charged a membership its not a credit union or cooperative. This is a total fleecing of customers its shameful and someone other than company should look into it and have EVERY person who has and is experiencing such fees on a self proclaimed {$0.00} annual fee card contact FDIC, AG, Social Media outlets etc. Thank you for your time and attention to this matter. 
Sincerely XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-29
Company: EdFinancial Services
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
XX/XX/XXXX and XX/XX/XXXX EdFinancial has XXXX loans listed that are being marked as 120 days past due. XX/XX/XXXX they sold these XXXX accounts to XXXX who are ACCURATELY reporting the loans as current for those months. I possess XXXX students loans and none of them have entered repayment ever as I have been a XXXX since XX/XX/XXXX and had periods of XXXX. I tried to explain this to them and even offered my enrollment history from the NLSDS site which covers the timeframe in question. They have refused to accept this as proof I was enrolled. Meanwhile this just hit my credit report today reported by Transunion as a deliquency. EDFINANCIAL cant report on them because they dont own the loans, but they have never been in repayment. They have been uncooperative and refuse my verification proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: ASTORIA BANK
State: DC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
3rd request ... Astoria Federal Savings bank is still reporting that the mortgage that was paid off in XX/XX/2014 was " Settled for less than Balance '' with XXXX. With your help, the bank has finally cleared up the false reporting statement and correctly removed the negative payment information with XXXX and XXXX. It 's taken nearly two years, and I thank you. The negative information has caused me to be forced into paying a higher rate on my new mortgage by at least .25 % and has prevented me from gaining additional credit on a new credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
ConServe has made several calls to my employer disclosing my social security number to several employees to try to verify whether its me. They have also sent mail to a friends address, in my name, who has no involvement in my financial concerns. They then sent a letter to garnish wages to a past employer who contacted me to inform me of the situation. Too much of my personal information is being disclosed to uninvolved parties. This is not only harassment but a violation of privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
It appears that on XX/XX/2018 Equifax was mistaken or outright lied to the CFPB in CASE XXXX in their response OR that information has reappeared after removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX/XXXX XXXX These are not my accounts. Please provide physical verification for these accounts and method of verification. Please provide the original instrument of indebtedness or remove off credit report. 


# 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 2020-08-10
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Thank you for submitting documentation that clearly reflects, on page 5,  that the administration fee was NOT non-refundable. Now that you have provided documentation that proves you fraudulently placed that erroneous debt on my credit bureau reports, when are you going to remove it? You should be ashamed of the way you are harassing me with a debt I do not owe and unethically refusing to remove it from my credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Conn's, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I opened a XXXX money account with CONN Appliance. I purchased a table and washing machine 12 months no interest. I purchased a TV and stand in XX/XX/XXXX 2014. The balance XXXX from the XXXX money account was carried over to the new contract to combine XXXX.  I received a call XX/XX/XXXX and the representative stated that I has a past due XXXX.  I have never been late on my account so I asked what account are you talking about?  The representative stated the $XXXX would bring me up to date and that I was not late.  After breaking down the accounts I was told that the accounts were seperated.  I told them I had the paperwork and the balance from the XXXX account was carried over.  They seperated the accounts without my knowledge, added interest to the $XXXX which bought the seperated account up to over $1400.00.  I signed a new contract and the old contract was posted as paid. I was told the store should have contacted me.  I went to the store and XXXX gave me a customer service number to call and told me not to listen to them.  I have received harassing phone calls, collection threats and feel as if I am being scammed.  I have spoken to supervisors and no one is will to work with me.  The store blames corporate and corporate blames the store.  CONN Appliance waits until you are almost done with your payments and changes things without your knowledge.  This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Experian Information Solutions Inc.
State: UT
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 been a victim of Identity Theft as well as several Data Breaches. The latest being XX/XX/XXXXXXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any  transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2022-01-27
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Back in XX/XX/XXXX I applied for forbearance due to Covid-19 and my husband and I were unemployed, were forced to close down our business. We were collecting unemployment which was not enough to cover all the bills. during this covid time, I was diagnosed with XXXX XXXX and went through XXXX and treatment. My forbearance ended on XX/XX/XXXX, My husband and I are back to work and doing very well financially and have saved up {$50000.00}. I applied for loan modification, and advised them I Have {$50000.00} to pay towards the past due amount and if they give me some kind of plan for the remaining. I was denied, I applied for repayment plan, was denied, I applied for deferment, was denied. Basically, I was not given any options besides, pay back payments in full or we foreclose. 
If they were not planning on offering any assistance, they should of not approved the forbearance and said you don't qualify. Now I have a past due of {$97000.00} and they want all of it at once. No plan at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Sent 2 money order 's to pay my bill and on time Macy 's cash the money order 's and NEVER GAVE CREDIT TO MY ACCOUNT. I HAD TO MAKE AN EXTRA PAYMENT SO MY BILL WOULD NOT BE LATE ON THE XXXX OF XXXX THEN I PAID {$30.00} TO HAVE THE MONEY ORDER 'S REVIEWED TO SHOW TO WHOM.

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 2020-01-08
Company: Receivables Performance Management, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello, On my XXXX  Credit Report, After filing a dispute, the results showed items ( Source Recievables Mng ( Acct # XXXX ) and XXXX XXXX XXXX ( Acct # XXXX ). Both items deleted from credit report on XX/XX/19. I now notice the report dated XX/XX/19, that the item XXXX XXXX, XXXX ( acct # XXXX ) with yet a different account number remains on my report. Also on XXXX  reported dated XX/XX/19, Items RECEIVABLES XXXX ( Acct # XXXX ) and also showed results showed item deleted. Also another XXXX XXXX ( ACCT # XXXX ) also stated Deleted. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. I did not receive this notification. On report datd XXXX, XXXX XXXX XXXX  has an incomplete account number which violates FCRA fules . as I have no way of knowing if it is mine. I would like your assistance with these issues. Thank you

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 2017-09-06
Company: Diversified Consultants, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is my third dispute on this company XXXX XXXX XXXX. This company is trying to collect a debt that is not mine! They are playing games with my credit reports! I will dispute it with CFPB and the credit reporting agency will remove it because it 's not my debt! But then the XXXX XXXX will placed it in another credit bureau a week later! I 've disputed this from my XXXX, XXXX and now XXXX credit report! This is not my debt and I 've proven that I 've lived at my current address 2 years. I never authorized anyone to use my information to obtain credit or utility services! And they always place it in a credit report without giving me a right to dispute which is against the law. They have sent me no notices which is required by FCRA laws asking me if this is my debt before they place it in any credit file. The original creditor is XXXX XXXX and as I 've explained before I 've been living at the same address for 2 years and do n't have cable with XXXX XXXX at my address. From the information that I 've gathered, the account is a recent account that does not belong to me. Now that I 've disputed with all 3 major bureaus and CFPB 3 times I do n't expect to have to dispute again. And if I do I have record with you and my next step is a civil or class action lawsuit because I 'm sure that I 'm not the only victim they are doing this to. This is taking up too much of my time to have to dispute this ID theft repeatedly!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
One of the names listed is wrong. Many address are wrong. Many phone numbers are wrong. A couple hard inquiries are wrong. Collections should be removed. Some account information is inaccurate.The last 4 digits of my social are wrong.

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 2020-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2020 I sent letters to XXXX, XXXX and TransUnion regarding inaccurate and unknown items on my credit report. It has been over 4 months and I have not received a response yet. I feel like I am being taken advantage of and that my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 4 months so these items should be deleted as soon as possible. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the wrong hands.

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 2020-08-10
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: Their investigation did not fix an error on your report

Complaint:
transUnion needs to remove this inquiry off my credit profile .... 



XXXX XXXX XXXX Inquiry from XX/XX/2018 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 2020-08-10
Company: EQUIFAX, INC.
State: OH
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:
XXXX/XXXX XXXX These are not my accounts. Please provide physical verification for these accounts and method of verification. Please provide the original instrument of indebtedness or remove off credit report. 


# XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I am a Realtor of 30 years and my family was severely impacted when the financial markets collapsed in XX/XX/XXXX. Since that time our family had to file bankruptcy to save our house because we could not get Wells Fargo to approve a mortgage modification. As a result of that filing, and without a mortgage modification we had to reinstate our loan for our primary residence by pulling a large amount of money out of our retirement account. Our bankruptcy was filed XX/XX/XXXX and discharged XX/XX/XXXX. Our primary residence is still carrying a 6 % loan, as we have been unable to refinance due to the neighborhood values and most importantly the mortgage was sold through the secondary money market. In addition, due to a lawsuit we had to file against XXXX to secure a modification for an investment property we are being told by the banking community our loan modification is seen as a short sale. So with the combination of a secondary market loan product and short sale we are still unable to refinance our family home. Why is our family being discriminated and penalized against obtaining a refinance on our primary residence residence when not one banker has been held accountable for the financial collapse of this country? This is pathetic!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Back in XXXX, I was working with a gentleman by the name of XXXX XXXX from Wells Fargo while looking for houses. He told me I was pre-approved for a USDA loan of up to {$100000.00}. I found a house for well under that ( {$64000.00} ) In XXXX and began the process of applying for a mortgage. The closing date was set for XXXX. I had signed a loan estimate stating I was going to need about {$4500.00} for closing costs the end of XXXX. The amount of money I was going to need to close kept changing per XXXX and XXXX. One minute I would need {$4500.00}, the next it was {$6000.00}, then it was {$7000.00}. This continued to happen even after I signed the Loan Estimate. They all promised I would not need the entire amount, but I was to have it handy " just in case ''. I had decided to get a second opinion from another mortgage company. The gentleman there looked at my estimate and noticed quite a few unnecessary charges that were tacked on in random areas. He also noticed it was not a USDA loan, like my pre-approval letter stated. This estimate was for an FHA loan, which is why my closing costs were suddenly going to come out of my pocket. Unfortunately he was unable to help with getting me a mortgage because he would need to delay the closing date. Since the house I had wanted was a bank-owned home, delaying the closing date would cost me {$150.00} a day. Three weeks before my closing date I called XXXX because I had not heard from him or the Mortgage Consultant ( XXXX ) in two weeks to see the status. XXXX had told me he had quit over a heated argument with his boss and was no longer with the company. I was to report to XXXX from now on. XXXX was very hard to reach via phone or email. Once I finally had gotten a hold of her she told me I was STILL not approved for the actual mortgage yet, and the underwriter was requiring me to submit unnecessary paperwork such as my New York State LVT license. Even though I had not been approved for my mortgage yet, they had already ordered for me to pay for the appraisal on the house. XXXX finally called me back on XXXX/XXXX/16, she stated that the underwriter will not accept my mortgage contract unless I have {$11000.00} for closing costs because they will not approve me for the mortgage unless my personal loan of {$3800.00} was paid off in full, which has been on my record for 4 years now, and XXXX was well aware of when I was pre-approved. I do n't understand how the prices of my closing costs kept changing, and how I was even pre-approved in the first place. Since I was two weeks away from closing on this house by now, I was forced to forfeit the home. Being a first time home buyer I have become very nervous about buying my first home and I will not even look at homes from now on because of this experience.

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