BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I recently noticed several " hard inquiries '' on my credit report from financial institutions I did not apply for any credit from. A few days later I received written correspondence stating that they were processing my applications. I did not apply for any credit products from them! I attempted to contact all the companies at the phone numbers provided in the mailings and none of them were answered- just sent me to recorded message that all operators were busy and to try back again. 

The companies are : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Capital One- this one sent me a credit card I will not be activating and I am worried that trying to cancel the card will negatively affect my credit report. 

I want the " hard inquires '' and any other information they report removed from my credit report as they are fraudulent! I want the Capital One card canceled and all information removed about it from my credit report. 

I attempted to file disputes with the three major credit reporting agencies and was unable to fine the link to actually file a dispute! All links just lead to information on disputes! The credit reporting companies must provide prominent links or actual phone numbers to the real dispute process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03
Company: Mercedes Benz Financial Services
State: CA
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I financed a car for my son with Capital One Auto Finance on or about Fall XXXX. The car was subsequently repossessed in late XXXX ( possibly early XXXX ). Capital One Auto Finance has since charged-off the loan. At this time, Capital One Auto Finance is reporting the debt as " late '' on a monthly basis since XX/XX/XXXX. Capital One Auto Financing 's inaccurate reporting of my debt is having an undue negative impact on me. I have contacted Capital One Auto Financing on various occasions, and they refuse to correct the error. This behavior could be considered bullying as it is going on 6 years since the loan was defaulted. I am requesting that Capital One Auto Finance correctly report the debt and immediately cease to report a charged-off debt as " currently '' late on a monthly basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: CITIBANK, N.A.
State: PA
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:
On XX/XX/XXXX I Received a return check fee of XXXX Dollars reference for check fee On My Account is return check fee XXXX. On XX/XX/XXXX i spoke with XXXX saying he would note the account To have the amount and fee waived. Then On XX/XX/XXXX I spoke with XXXX who would not waive the fee and said that she would register a complaint with back end office that They would not be waiving anything. And on top of this Situation My Credit card is still not reporting to the bureaus And I Have filed a additional complaint with my State Consumer protection agency Pa Attorney Generals Office and pa banking and securities office.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: U.S. BANCORP
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 status incorrect

Complaint:
I have a mortgage and home equity line with US Bank. I called to inquire about mortgage forbearance on my mortgage. I was looking at my credit report through XXXX XXXX, they automatically put me on forbearance without my permission. The week of XX/XX/XXXX I spent many hours with US Bank to try and get this resolved. They told me they were going to remove me from forbearance and resolve my credit reporting issue. I received another letter today from US Bank saying they are confirming my request to enter a forbearance plan! I have spoke to so many people and waited on the line for hours and disconnected a few times. I need them to remove both my mortgage and home equity from forbearance and fix my credit report. I have also been making payments and it doesn't look like my payments are being posted to my accounts. My home equity shows I owe 4 months of payments which I have been making. I need to make sure the payments I have been making are being posted and reported correctly. My US Bank mortgage number is XXXX, my home equity is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX   XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 
Company Inquiries XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
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 contacted Portfolio Recovery on XX/XX/2019 about an account that was deleted by XXXX  XXXX two years ago. I made a payment and on a recorded call, the female representative stated the account would be deleted from my credit report. I checked my credit report today after I disputed the account, and it has not been deleted. I am filing an attorney general complaint, and contacting my attorney to sue Portfolio if the account is not deleted. I recorded the call and portfolio recovery recorded the call as well, so theres no denying she agreed to delete the account after i made a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Their system seizes up several times a day making a quick trade near impossible. The entire money balance, even if you are sitting on all cash, fluctuates wildly right in front of your eyes. Limit orders do not kick in and then they blame a " fast moving market '' even if the market is slow and records show that it crossed higher than your limit sell price ( if you were trying to limit sell for a profit ). Anything that goes against you in the system, they blame you - nothing they do is ever wrong according to them. 

On XXXX XXXX, 2010, they blamed fast moving markets for the now acknowledged technical glitch and refuse to reverse any erroneous trades. Each transaction has to be baby-sat because their system is weak and potentially very dangerously flawed or worse, intentionally corrupt. When first setting up the account, they shredded valuable documents that had to be all redone. That should have been a huge red flag. This caused financial losses.

Company response to consumer: Closed
Consumer complaint received 2020-08-04
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I made my payment via online bill pay with XXXX. My mortgage is with PHH Mortgage/XXXX. Although no changes were made and my payment has always arrive on time for XXXX payment was NOT received. For the last 3 weeks I have tirelessly been calling on a daily basis to find the lost payment. On XX/XX/XXXX, PHH mortgage informed me that they finally had located my payment. My payment went to XXXX XXXX. PHH told me it was up to me to get my money back from XXXX. XX/XX/XXXX I called XXXX to tell them my crazy story and they had me email my proof of payment. XX/XX/XXXX, I followed up with PHH Mortgage/XXXX and XXXX without much luck. 
No one will take responsibility to what happened to my payment of {$2800.00} On XX/XX/XXXX I made my XXXX payment and I believe that same has occur since it hasn't posted to my account. As I write this complaint there XXXX of money that no one wants to help resolve. 
Please help me get my money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am writing to complain about the extremely inconvenient and possibly willfully deceptive nature of deferred interest promotional balance repayments on the Lowes/Synchrony Bank credit card. 

I made a 12-month deferred interest promotional purchase on XX/XX/XXXX and expected, like with other payment systems, that my monthly statement would reflect my regular purchases plus the minimum monthly repayment amount on the promotional balance. This is not the case. My XXXX statement balance includes regular purchases plus the entire promotional balance, and Im left to manually calculate, each month, for twelve months, my actual statement balance less the promotional balance, plus the promotional balance divided by the promotional period. 

This is absurdly inconvenient and Im adamant that tens of thousands of Lowes customers with deferred interest promotional balances are not taking the time to do this, and are thereby either unnecessarily repaying deferred interest promotional balances early, or incurring fines for errors in their monthly manual repayment calculations.

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 2016-05-10
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
my morgage just transfered hands, payment was XXXX i paid XXXX every year for 20 yrs. i had insurance and taxes added to my mortgage 1.5 yrs back. it seems the old mortgage apply-ed all the $ $ to p-i only, no notice of shortage to alarm me of problem. new mortgage wants XXXX and will not apply the extra amount to loan amount and wants a XXXX per month payment for 48 months. ive spent hrs try ing to get them to correct the problem that was error-ed on their side. i know my principle is lower but extra XXXX per month is not do-able. being self employed refinancing is harder to do. along with the late fees and there demands. i stilled paid my payment but it was XXXX short do to the new amount. my old co. was greentree

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
This is a second Mortgage that was signed in XXXX 2006. Can someone explain why 100 % is still going toward interest and 0 % is going toward principal. I have called the company weeks ago about this issue and no one in the entire company could explain why. They said they would get back to me. As usual when dealing with GTS, I have not heard a work about this or had anyone call me back./

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX, XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$1000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: Ditech Financial LLC
State: ME
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was charged a " late fee '' of {$15.00} in XXXX 2016. When I questioned them about this charge, I was informed that it was not a late fee but instead was for the following : " The charge to the account was for a Broker 's Price Opinion ( BPO ). A BPO is not the same as an appraisal. A BPO is an estimated value of a property as determined by a real estate broker or other qualified individual or firm. One of the factors used by a broker is an estimate of any of the costs associated with getting the property ready for sale and/or costs of any needed repairs. Records indicate that the BPO was ordered due to the delinquency of the account. Ditech set up this charge as an advance to be collected in a payment of {$15.00}, beginning with the XXXX 2016 due date. As of the date of this correspondence, the remaining balance of this advance is {$0.00} as the fee was collected on XXXX XXXX, 2016. We are unable to comply with your request to apply the {$15.00} to the principal balance as this was not a late fee assessment. As of today 's date, there have been no late fees assessed to the account. '' The problem here is that my account WAS NEVER DELINQUENT and any confusion here was 100 % related to them misappropriating the payments that I made to them beginning a few months earlier. Furthermore, I have NEVER been charged any late or delinquent fees, NEVER received any notices that I was late or delinquent on ANY payments and I was never in a position where they would have to prepare for foreclosure nor was I ever informed that such action was taking place! Note : I filed a complaint with the BCFP at that time and this issue was resolved to my satisfaction.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: Convergent Resources, Inc.
State: MS
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 have a Creditor Statement from XXXX XXXX XXXX XXXX XXXX XXXX a debt consolidation program regarding the checks/payments they paid on our behalf to our creditor Convergent Outsourcing Inc. in which the original Creditor is XXXX. This bill in the amount of XXXX dollars and XXXX cents ( {$460.00} ) has been paid in full. As per the Creditor Statement payments are as follows : Starting XXXX/XXXX/XXXX To XXXX/XXXX/XXXX XXXX dollar ( {$20.00} ) monthly payments a total of 14 consecutive payments. *On XXXX/XXXX/XXXX a XXXX dollars and XXXX cents ( {$110.00} ) payment was issued and this is the missing payment, *Check number XXXX. On XXXX/XXXX/XXXX a final payment of XXXX dollars and XXXX cents ( {$68.00} ) a total of XXXX dollars and XXXX cents ( {$460.00} ). During a conversation on XXXX/XXXX/XXXX with a representative of XXXX XXXX XXXX XXXX they stated that according to their records check No. XXXX in the amount of XXXX dollars and XXXX cents ( {$110.00} ) was issued and paid to CONVERGENT OUTSOURCING INC., and has been cashed by CONVERGENT OUTSOURCING INC., they told me that they will not be reissuing a second check to them in that amount since the check has already been cashed. Today XXXX/XXXX/XXXX I spoke to a supervisor at Convergent Outsourcing Inc. XXXX XXXX and she acknowledged that they received all payments from XXXX our credit consolidation company and that XXXX submitted the proof they required that payment of {$110.00} was in deed paid to them. They can not locate the payment themselves. There is no problem with XXXX because they have the proof that the payment was made to Convergent Outsourcing. Kindly help us to have our account with XXXX XXXX to be cleared once and for all. XXXX XXXX still has our account as unpaid and that we still owe them {$99.00}. as per XXXX XXXX, manager. 

on XXXX/XXXX/XXXX my wife handles all of the bills and she spoke with a representative at Convergent Outsourcing about all of this. That 's when they told her they did not receive the {$110.00} dollar payment. Although they did receive it and cashed the check. My wife does the majority of the phone calling and handling of the bills in our house. Its a small amount of money to be going back and forth over. It is totally ridiculous. I and my wife spoke to them over the phone together today XXXX/XXXX/XXXX to see if we could get this resolved to no avail. They are unwilling to credit my XXXX XXXX account and make the correction. XXXX XXXX at XXXX XXXX claimed he could not help us because he turned the account over to Convergent Outsourcing and Convergent Outsourcing is saying they cancelled the account and returned it to XXXX XXXX unpaid. This is ridiculous. We are in the middle of this confusion with no where to turn. Please help! 
Convergent Outsourcing Inc . 
XXXX XXXX XXXX XXXX, XXXX, WA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is a follow up to case # XXXX. Due to a serious medical hardship we have fallen behind on our mortgage, exhausted most of our saving and our credit rating is severely damaged. We have been able to secure a reverse mortgage to save our home however the loan does not cover the balance due. We are able to bring approximately {$10000.00} in cash to closing so that the reverse mortgage and cash covers the principle balance, even this is difficult for us. We have asked Bank of America to write down the accrued interest and penalties so that we can save our home. They say that this will not fit within their investor guidelines and their only options are a short sale, deed in lieu or loan modification. In the XXXX XXXX cases we would lose our home and in the XXXX case there is no guarantee that we would qualify or be able to afford the payments. We have a short time to take advantage of the reverse mortgage and pursuit of a modification risks losing this opportunity. BofA says they want to help people stay in their homes but they are unwilling to help us. It seems that since we have equity in our home they would rather take it away from us through foreclosure, short sale or deed in lieu. We do n't know if there are government programs that assist older people like us who do n't have time to recover income, savings and credit ratings or go out and get a new job. The reverse mortgage is our only hope. We feel like we are being discriminated against because none of the solutions offered help older people like us who have equity in their home but fell behind due to a temporary hardship.

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