BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've been getting the run around. My credit card statement generated on XX/XX/XXXX.

The credit report should have been updated the following business day XX/XX/XXXX to reflect my new credit card balance. My credit card is paid down close to XXXX   balance, but it has yet to be updated. When I contacted XXXX, they advised that the report was updated on XX/XX/XXXX. This isn't accurate.

When I contacted Capital One, they advised to contact XX/XX/XXXX. I'm in the process of buying a home and the maxed out credit card status is preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have made complaints regarding this lender previously based on deceptive practices including the term of the loan which was only 6 months per the agreement I signed and it is being reported on my credit as 19 months which is a term I never agreed to. They also locked me out of my account so I couldn't view the documents that I initially signed and they are again not even licensed lenders in the State of South Carolina. They must recently sent me an email stating they have sold this debt to a debt collector but are STILL reporting a balance on my credit report which seems illegal. Please look into these matters. I have attached the email they sent me recently stating they have sold this debt

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 2020-02-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX ( 01 XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$100.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2017-06-26
Company: ERC
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I already submitted a complaint with CFPB - Complaint number : XXXX Date submitted to CFPB : XX/XX/2017 Date sent to company : XX/XX/2017 I could not view the response from ERC ( enhanced recovery company ) as CFPB has issues with passwords. <P/>The response was read to me from a CFPB employee. ERC states that : ( 1 ) the debt from XXXX is not owned by them. ( 2 ) they are acting on behalf of the customer - XXXX XXXX ( 3 ) they have put actions on hold until verification of account I contacted XXXX and have confirmed again that : ( 1 ) the account was in error. I had one account that I paid on. The other was made in error but had been already placed in collections AND that they SOLD the rights to the debt to ERC ( ERC claimed that they did not own the debt rights ) XXXX is also in a law suit right now in Idaho for creating accounts to consumers without the consumers knowledge or consent. ( 2 ) XXXX confirmed that they SOLD the rights to the debt to ERC. ERC is NOT acting on behalf of XXXX. ( 3 ) Immediately upon hearing from CFPB, ERC added another Collections hit to XXXX. <P/>ERC has been putting multiple hits to my credit reports, changing amounts and originators. They have lied when replying to the CFPB complaint. They DO own the debt rights, are NOT acting on behalf of XXXX  and are not putting report on hold until they investigate and verify the information. I DO NOT OWN THE ACCOUNT THEY ARE TRYING TO COLLECT ON.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: Opportunity Financial, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out my first installment loan with opploans in XX/XX/XXXX. I paid on time and never missed a payment. In XX/XX/XXXX, opploans offered to refinance the loan. In reality, they did not refinance anything. They closed the original loan and gave me more money and a new payment plan essentially rolling over the loan. Illinois law does not allow a lender to roll over an installment loan if doing so would keep the person in debt for longer than six months. This is exactly what they did. I did not know that was illegal for them to do that at the time. I stopped paying on this loan and I attempted to settle this debt in XX/XX/XXXX ( via phone call ) as I could not afford this high interest debt for the extra time they rolled over the loan. Please note, they did email me a settlement offer in XX/XX/XXXX ;  however, I did not notice the email until after the time had lapsed to accept or decline it. Now, the company has a third party law firm attempting to collect more than what I would have owed if I paid on time until this date. All I wanted to do was settle the debt and avoid dealing with this company ever again. Now, I will have to hire my own lawyer to fight the third party. The third party asked for {$2700.00} to settle this loan when it was {$1000.00} to settle less than two months ago. I attached the rolled over loan contract. It makes no mention of how they rolled over the prior loan into a new one. They did not give me {$2100.00} in or around XX/XX/XXXX or after. They gave me {$890.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: EVERBANK, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In  XX/XX/XXXX  I took out a mortgage loan with  XXXX   XXXX   XXXX ,  XXXX . for the amount of {$380000.00}. I was promised a low interest rate and a low monthly payment, as advertised. The lender did not fulfill its promise ; the mortgage monthly payment and interest rate were higher than promised ; and it only kept increasing. I defaulted on my mortgage because I could not keep up with the increasing mortgage payments and inflating interest rates.  <P/> On  XX/XX/XXXX , there was an assignment of mortgage filed with  XXXX   County Clerk 's offic e. The assignment of mortgage assigned the mortgaged from  XXXX   XXXX   XXXX ,  XXXX . to  XXXX   XXXX . On  XX/XX/XXXX ,  XXXX  started a foreclosure action against me for the mount of {$370000.00} which is about {$14000.00} from the original mortgage 9 years earlier but I already had paid over {$200000.00}. How is that possible?  <P/> I also never receive any bank statements from  XXXX    XXXX   instead I receive mortgage statements from Everbank which is a party that I am not familiar with.  <P/> I tried fixing the the problem several times. The last two times were trying to do a loan modification which was denied  XX/XX/XXXX . The I resubmitted another loan modification application on  XX/XX/XXXX  which I have not receive an approval or denial yet. Everbank seems to take for ever to process my paperwork. It seems like they do not care whether I paid them back or not, they just want me out of my home which I am trying to repay.  <P/> I am a victim of the housing crisis and I feel that there is fraudulent element to what is happening to my mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
hi, i am very frustrated i have been trying to work with these bureaus to abide by the law but the refused to, The are reporting unverified & inaccurate accounts on consumers profile and leaving it there after consumers asked them for an investigation, the refuse to send me a the documents used to verify two accounts that i am not aware of.i sent my letters via certified mail its been almost 3 months i HAVE been ignored .I dispute two accounts that are reporting on my credit profile with the same company. THE LAW STATES THAT THE BUREAUS MUST REPORT TRUE BUT THEY ARE ALLOWING COMPANIES TO RUIN MY CREDITWORTHNIESS AND REFUSE TO INVESTIGATE TO DO THE RIGHT THING.

1 ) XXXX XXXX XXXX XXXX-I explained this was for a apartment complex i stayed in, i payed {$2000.00} to get out of my contract early because my mom had a XXXX so i moved in to help her, the manager told me it was fine long as i paid the {$2000.00} i could terminate the contract early after paying the fee i was allowed to move, months later without any word are notice from this company i looked at my report and found a collections .I wrote them via certify mail asking them how do i owe this debt they never replied, than i sent the bureaus a letter about this account because i dont owe this debt asking them to verify and they havent responded either.

I called the apartment complex and i spoke with An employee who explained to me the manager was no longer there because she had stolen several clients money & ran off, therefore my $ was stolen apparently by the manager the company didnt do a back round check on and hired .How am i responsible for this .this isnt fair the lady explained that the apartment complex is trying to build a case on her and that i wasnt the only one she had did this too .she instructed me to reach out to the bureaus because i dont owe this debt this isnt right for me to pay for the mistake of the apartment failure to higher decent people and do background checks because the lady told me that after researching her they found she had did this before at another apartment complex 2 ) XXXX XXXX XXXX XXXX- i have no clue what this 2nd account is with the same company theyre reporting the original creditor and the collection agency nor the bureaus responded

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 2022-04-04
Company: RoundPoint Mortgage Servicing LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, we originate a conventional home purchase loan with 5 % down with XXXX XXXX, purchase price {$560000.00}. In XX/XX/XXXX, we made a {$210000.00} principal payment and requested a mortgage recast and paid a {$250.00} fee. During a phonecall confirming recast details, I verified that this would reamortize our loan and bring the XXXX to 55 % and remove the PMI. In XX/XX/XXXX, our new payment began but they continued to collect the PMI unknown to us. The loan was sold to a new servicer Roundpoint mortgage in XX/XX/XXXX and they also continue to collect the PMI until I noticed the issue XX/XX/XXXX. After a phonecall, Roundpoint promptly has removed the PMI for future collection. 
XXXX has been extremely unhelpful, claiming that the loan is now closed and that we should have made a request in writing to remove the PMI. We dispute that because the loan was reamortized and no servicer would collect PMI on a new loan with a 55 % XXXX, not to mention that I verbally confirmed it would be removed. 
Roundpoint says that because of how the loan was written/sold to them that is why they continued to collect the PMI. It seems like there should have been due diligence done at some point in the process.

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 2022-04-04
Company: EQUIFAX, INC.
State: FL
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: Harvard Collections, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Harvard collection. Based on state of Illinois law. You can not try to collect on an overpayment for food stamps or tanf if 12 months has passed from the original time the overpayment was given. They stating they overpaid in XX/XX/XXXX- XXXX from XX/XX/XXXX-XX/XX/XXXX and XXXX from XX/XX/XXXX-XX/XX/XXXX.First notices did not go out until XX/XX/XXXX that I never received mind u I was still getting benefits. The last notice that was sent out was XX/XX/XXXX which I never received. They wait till XX/XX/XXXX to put this on my credit report which could have been done years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Freedom Mortgage Company
State: ND
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
In my divorce proceeding my ex-husband was awarded the property granted he was able remove me from the loan. I was required by Freedom Mortgage to provide a quit claim deed before they would begin the process. XX/XX/XXXX a Quit Claim was filed wit XXXX XXXX Recorders. From the months of XXXX and XXXX Freedom Mortgage provided Promissory Note documents with errors five times to my ex-husband XXXX XXXX reportedly five times. Finally end of XXXX documents were approved. I was required to provide 2 separate notaries for the initial quit claim deed as there were error on the notary document provided by Freedom Mortgage. XX/XX/XXXX The Veteran 's Administration release me from the loan, documentation was provided to Freedom Mortgage on XX/XX/XXXX. Once the Promissory Note was approved the Assumption documents were prepared. Again requiring several attempts to provide XXXX with correct documents. XX/XX/XXXX both XXXX and I signed separately, the Assumption documents with a Notary and returned overnight to Freedom Mortgage. Freedom Mortgage notarized the documents on XX/XX/XXXX. I spoke with XXXX in the Assumption department who confirmed I was removed from the loan and proceeded to remove my access to the Freedom Mortgage loan portal stating I was not longer on the loan. As of today XX/XX/XXXX I am still legally responsible for this loan per XXXX, XXXX and XXXX. All have denied my disputes, I have spoken to Freedom Mortgage weekly since XXXX of XXXX. I have filed a minimum of 4 escalation complaints and currently working with manager XXXX XXXX and have file 3 escalation complaints with her. All conversations have been recorded by Freedom Mortgage as well as emails via the customer portal providing documentation in a timely manner. I have spent {XXXX} in legal fees due to this situation trying to protect myself due to false information and inaccurate information from customer service, had to fly from North Dakota to XXXX California to appear in court over the matter of the quit clam deed and loss of ownership of property prior to being released form legal financial responsibility. As well as time off work and the emotional stress and anguish. My credit has been held captive by Freedom Mortgage.as of today, XX/XX/XXXX I have confirmed via online service and phone call with XXXX at XXXX that no documents, no Assumption, Promissory Note have been received at the XXXX XXXX Recorder office to remove me from financial responsibility. Also XXXX and again XXXX Freedom Mortgage reported negatively on my credit even while protected under COVID Forbearance.

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 2020-02-29
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I entered the Public Service Loan Forgiveness program last year and began making monthly payments. However, my student loan payments are not being applied to the PSLF program. 

In addition, my monthly payments be applied across all of the loans interest, instead of specific loans, making it nearly impossible to pay off the student loans. 

Finally, the student loans on my credit report show a higher balance due than the credit limit. I believe this is impacting my credit score since theyre installment accounts. On all these revolving accounts the balance due can not exceed the high credit limit or my credit score gets hurt rapidly. XXXX has not provided a document, with each loan number listed, showing the high credit limit matches the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: NY
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Convergent Account 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 XXXXXXXX Have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello. I was the victim of ID Theft. Someone pretending to be from the bank contacted me about my account. The person then requested access to my account to verify my identity. I am XXXX years old, this is my first account and I did not know this was fraud. I provided this person with my account username, password, social security number, birthday to verify my account. The person then used that information to make unauthorized XXXX transactions from my account to other people that I do not know. Before this happened, I had NEVER used XXXX. There were 15 transactions made. I have contacted Chase Bank to help me recover some of my losses to no avail. These transactions were not authorized and done without my knowledge. These same people applied for a PPP loan in my name, committed XXXX XXXX fraud, applied for Unemployment Insurance in Indiana in my name, accessed my email, my XXXX XXXX, my phone, XXXX account, and my XXXX  account. I have filed a police report, reported my social security number stolen, got a new ID, I put a fraud alert on my credit reports, and filed an FTC Complaint. I don't know what else to do. I just want my money back. Please help. 
XX/XX/2021 {$5.00} XX/XX/2021 {$100.00} XX/XX/2021 {$100.00} XX/XX/2021 {$200.00} XX/XX/2021 {$320.00} XX/XX/2021 {$300.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$400.00} XX/XX/2021 {$1000.00} XX/XX/2021 {$500.00} XX/XX/2021 {$500.00} XX/XX/2021 {$300.00} XX/XX/2021 {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for this card using the promotional flyer issued in flight that clearly states there is no annual fee in the 1st year. Also it comes with XXXX mile once a transaction is made within 30 days. I fulfilled both, yet I see {$99.00} annual fee assessed and no XXXX mile given to my account. I called 2 weeks before upon seeing this 2 weeks ago and I was told it will be taken care. Two weeks passed and I see the statement still showing the annual fee assessed and no XXXX miles issued to my plan. Hence I called today and spoke to the same customer service agent and she says there is change is in terms in XX/XX/2020 that voids both of these promotions. This is cheating the customer and is fraud. Upon raising this she said, there no promotional code applied which is a lie, I used the code that was had written in the flyer. The card was issued before the terms were changed hence it should not be applied. Even if you were to apply the change in terms after the card was issued when the promotion was in effect, the customer should be given the choice to walk away due to this cheating practice or due to the falsified promotion you offered. I asked that the account be closed, and no annual fee be assessed. You denied that request also and stated the annual fee will still be assessed. I will be raising this as complaint to the federal trades commissioner also shortly.

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