BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
On XX/XX/XXXX a scheduled payment of {$93.00} was sent to Capital One to pay the minimum balance for my credit card. The payment was returned for NSF as I was in the process of transferring banks. I was not notified, called, emailed, or reached out to about the payment rejection. I did not know that it was still linked to my old bank account and not my new account ( account closed due to fraud ). In XXXX my payment was rejected again, this time I was sent an email that stated it was rejected and then I received a notice from credit monitoring that my score had dropped. They put a 30 day late for the XXXX payment I was not notified about. I attempted to re-mediate the issue with capital one and they asked I dispute it but that it falls under FCRA and will remain. I have also not been notified of adverse action or information being furnished to an XXXX. This is in direct violation of the FCRA, Capital One has a due diligence requirement to notify their customers of adverse action, and payment issues. Despite having the app, and them having all of my contact info unchanged for the last 7 years they failed to notify me. 

They have failed to fix the situation and are asking me to go through a long dispute process. They refused to provide email or contact information for any individual or supervisor that could help with the process. They refused to provide an email for their executive offices stating there wasn't one.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX of 2015, our mortgage payment went up {$53.00} due to an increase in property taxes. We have our payment set up to go out automatically on the XXXX through our bank, and it went out as scheduled in the old amount. We started getting phone calls, many a day, at work, where we could not answer them. They left no messages, and only different numbers would come up on caller ID, no company name, so we assumed they were sales/spam calls. I finally answered XXXX after work one day, out of curiosity, and found that we had been reported to the credit bureau for being 31 days past due on our mortgage. I explained the situation, but it did n't matter. They kept insisting we were an entire payment past due. I 've tried to get them to explain why they held the funds they had for 30 days, which was all but {$53.00} of the payment. They can not explain why the held those funds or why they were n't applied to the loan. They could have at least applied principle and interest and let the escrow account be short. We caught up the loan the next month, but our credit has suffered. It shows that we were an entire payment past due, not just a XXXX dollars on the escrow account. We have NEVER been late on a mortgage payment in over 25 years. They also started sending us information on avoiding foreclosure, mortgage assistance, etc., all over {$53.00}. Our loan was sold to them from GMAC ; we did not choose to deal with this company. We had problems the year before with misapplied funds, but I do not think our credit was hit through all of that. That was totally the error of Ocwen, and they admitted that it was their error.

Company response to consumer: Closed
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
hello my name is XXXX XXXX and I want to file a complaint against Navient/XXXX they called me offering a program to defer my loans and they kept making me pay fees to get into this loan deferment program they were taking money out of my Bank account but never put me into the deferment program I also would like to file a complaint against the school which help me get the loan and it was called XXXX XXXX of design and technology which they are no longer operating anymore thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Credit card
Issue: Delinquent account

Complaint:
In XXXX XXXX Bank of America discontinued sending me statements and bills for a credit card I had with them. I had closed the account and was paying off the balance. Since I had many accounts at that time I really did not notice I was n't getting statements. I never received a single letter, phone call, or other notice that the account was delinquent. In XXXX of XXXX I discovered that they had charged off the debt and it was a huge blemish on my credit. I immediately contacted them, and requested copies of past statements and notices, as well as notifying them Imwanted to pay the debt. I never heard from them, nor did I receive any of the requested information. In XXXX I received a notice in the mail that they had cancelled the debt and I had to report the income to the IRS on my taxes. This is incompetence at best, and it has destroyed my credit rating. Bank of America has made no effort to collect this debt despite my attempts to resolve this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: ERC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have received collection letters and a negative account has been placed on my credit report for a debt that I do not owe this company. This account with XXXX has been previously removed from my credit report and now it is reporting again. This is not my account. I have provided the copy of my fraud report with the FTC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
After checking my credit reports, they show that I opened an account with Synchrony Bank for a " PayPal '' credit card and that payments were missed and the account was closed by the creditor in 2014. I never opened this account and do not use PayPal. I have not had any resolve in figuring out how they obtained my information and who actually had the credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-31
Company: Franklin Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I did not receive this service that I am being charged for. I attempted to contact this business to dispute this, but they had gone out of business. I was referred to this agency for XXXX, but they closed business before providing me with the service required. They were not very business minded. This is probably why they went out of business.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Specialized Loan Servicing was not able to provide a mortgage assignment to enable me to refinance within 2 months. Despite daily phone calls, when the company representatives promised to get a status update, the company never gave me an update. Eventually my rate lock was set to expire and I was forced to act without the assignment resulting in my having to pay the mortgage tax on the full amount of my refinance which cost me {$5000.00}. 
In addition I had set up automatic loan payments which they stopped taking without instruction from me or explanation.

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 2022-07-25
Company: PLANET HOME LENDING, LLC
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have reached out to my loan servicer to tell them they need to make my tax payment by the end of the month. They said it is in procsses. I let them know that there is an economic cost if not and they are unable to provide any info. The servicer has the funds in an escrow account and the initial escrow analysis shows it paid in XXXX. Their servicing system does not show a pending payment online. Planet home XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: Ocwen Financial Corporation
State: IA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
This loan was an unsecured " XXXX XXXX XXXX '' that was originated through XXXX. It was then serviced by XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX. The loan was then sold a few times. In the midst of the moving of the loan, payments were marked missed that were actually simply misdirected. However, the BIGGEST problem is the fact that Ocwen Loan Service is listing this installment loan on our credit report as a mortgage loan- which it is not. This has prevented us from being able to get refinancing on our current home. We have tried everything to get Ocwen to report this correctly, to no avail. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) .amount of {$1100.00}. 
XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) .amount of {$750.00}. i disputed this account requesting THE VALIDATION to this account and all document that credit report have to send me to validated this account. i never received any document from the company they just VERIFIED without sending any VALIDATION letter to prove me this account is mine. 

i'm requesting to remove unverified account to my credit report immediately under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
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: Information belongs to someone else

Complaint:
TO THE CREDIT AGENCIES, YALL HAVE WILLFULLY AND KNOWINGLY, DISHONORED THE FCRA 605B LAW - IDENTITY THEFT. IT HAS BEEN 3 MONTHS SINCE IVE NOTIFIED THE CREDIT BUREAUS WITH THEIR FALSE REPORTING, I HAVE NOT GOTTEN ANY GOOD RESULTS BACK, AT ALL!!! I'VE CONTINUED SENDING ALL NECESSARY DOCS FOR THE REMOVAL OF THESE FRAUD ITEMS. ALL 3 BUREAUS HAVE UNDOUBTEDLY THROWN OUT MY INVESTIGATIONS TO THE WIND AS THEIR HAVE BEEN NO RESPONSES OR RESULTS, THESE ARE UNFAIR BUSINESS PRACTICES. MY NAME IS XXXX XXXX AND YALL HAVE NOT GIVEN ME A FAIR INVESTIGATION, NONE OF THESE ITEMS I'VE LISTED ON DOCUMENTS BELONG TO ME. THERE IS NO WAY YOU'D HAVE EVER VERIFIED ANYTHING, ESPECIALLY UNDER FCRA 809AB GUIDELINES, SHOW US!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Experian Information Solutions Inc.
State: MS
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 non-monetary relief
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
collections account from XXXX XXXX XXXX on XX/XX/2022 with account number XXXX {$2600.00}

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 2022-07-25
Company: EQUIFAX, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: Eltman Law, P.C.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Told the law firm that I did not want to be contact about this debt but they sent another letter.

Company response to consumer: Closed
Consumer complaint received 2022-01-26
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I called to National Credit System to get a discount and the answer I got was rude and they said I had to pay the bill for the maximum amount. I didnt have right to call to negotiate ; either it paid everything or didn't call then. The proof that they sent me that the collection debt was mine, was an apartment inspection paper and that they could not contact me. I still kept the same email and i kept the same phone for 1 year, I asked for a copy of the contract or email that the apartment complex try to contac to me to see the veracity and they refused. 
I spoke that time with a XXXX XXXX costumer service and when I called back to talk with someone else they said here we dont speak XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XX/XX/2018, I set up a monthly recurring payment on my XXXX XXXX Credit Card, owned by Synchrony Bank, of {$50.00} per month to be taken out on the XX/XX/XXXX of the month. In XX/XX/2018, the {$50.00} payment was deducted from my checking account as scheduled. On XX/XX/2018,  Synchrony Bank withdrew {$410.00} from my checking account instead of the {$50.00} payment that was authorized. I believe it is illegal from them to deduct payments from my checking account at any amount they please if I did not authorize that amount. I spoke with Synchrony Bank on XX/XX/2018 and they said they could not credit back the payment but they could refund {$360.00}. About 30 days later I received a letter from Synchrony Bank stating that they would not refund the {$360.00}. 

In the meantime, I forgot all about the other Synchrony Bank credit card I have with XXXX. I had also set up a monthy recurring payment with them. I am trying to pay all my credit cards off and get out of debt, but they were all behind. I only set up the recurring payments for an amount that I could afford to pay and still pay my other living expenses. 

In XX/XX/2018, I set up a monthly recurring payment on my XXXX Credit Card, owned by Synchrony Bank, of {$50.00} per month to be taken out on the XX/XX/XXXX of the month. The 1st payment was to be deducted from my checking account via ACH on XX/XX/18. On XX/XX/18, a payment of {$260.00} was deducted from my checking account. I did not authorize this amount, only the {$50.00}.

As you can see, the practices by Synchrony Bank are way out of line. I am starting by filing a claim with you, but my next step will be to file a class action lawsuit against Synchrony Bank, as I am probably not the only one this has happened to.

I request that you contact Synchrony Bank and have them refund the overpayments they deducted from my account. In addition, any overdraft fees that are accumulating on my checking account because I did not know they were deducting the amounts they did and still have outstanding checks and/or debits to other people/companies.

In XX/XX/XXXX, the overdraft fees were {$60.00} due to their withdrawing {$410.00} instead of {$50.00}. I imagine it will be at least that amount by the time my checks clear this week since they took {$260.00} instead of {$50.00}. Right now I have at least 5  outstanding checks/debits that still may clear before I get paid again.

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 monetary relief
Consumer complaint received 2018-09-25
Company: Santander Consumer USA 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: Information belongs to someone else

Complaint:
There was a Santander Consumer Auto Loan that was opened on my credit report with XXXX back on XX/XX/2010. I never opened this car loan. I believe I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-20
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had a checking account with Doral Bank located at XXXX XXXX XXXX XXXX since XX/XX/XXXX. 
On Friday, XX/XX/XXXX, Doral Bank, XXXX XXXX, PR was closed by the Commissioner of Financial Institutions of XXXX XXXX, and the Federal Deposit Insurance Corporation ( FDIC ). 
My Doral Checking account was later assumed by Banco Popular de Puerto Rico ( BPPR ). " The acquiring institution '' Per their website, XXXX. The conversion of the BPPR and Doral was completed a few months later. 

According to the FDIC, it is assumed that the fact that the deposits are transferred to " the acquiring institution '' does not affect the day to day banking operations. However since the conversion made I have NO access to the funds nor make or generate any transaction at all. 

Apparently, " The acquiring institution '' had an incorrect address on their systems, unable able to send notifications, including a complete kit with the new account number, cards, and a " PIN '' required for the web registration. On my several attempts to the customer service center, I have explained that I 'm currently living in the U.S ; however, I retain a local address in PR. This is exactly the same address that I have been receiving mail from Popular Mortgage, a division of Banco Popular, PR. For an unknown reason the bank could n't match this address. 

It 's been four months since I started communicating to BPPR that I require access to my checking account to receive the proceeds of the rents of a property retained in PR as well as to pay the mortgage associated with this property financed with Popular Mortgage Inc. ( now 4 months past due, with all the funds sitting in the account ). I have provided the correct address several times and I believe that their systems are finally updated. However I still need to receive the information associated with the checking account. All of the customer service representatives that I have contacted insist that because I 'm not residing in PR I 'm not allowed to receive an account number or PIN to validate. In the meantime my mortgage continues to fall. 

I demand that " The acquiring bank '' ( 1 ) send me a complete kit of the new account assumed, as well as any cards and PIN or information needed to be able to register on their website to generate transactions. 2 ) make any adjustments required to any of the ( XXXX ) Credit Reporting Companies, that could be negatively affected by " The acquiring bank ''. 3 ), cease and desist any written or verbal communication from Popular Mortgage Inc. asking mortgage payments while the funds are clearly sitting on the account for over three months now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: Financial Credit Service, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I received a call from an unknown number on XXXX XXXX, 2016. I did not anwer the call because I was at work. Later in the day I received a call from a friend that they received a call for me stating I had XXXX cases with XXXX County pending if i do n't call them back. I got the number from her and a reference number, I called the company and they told me that there are XXXX pending charges against me for submitting a false check and that they could garnish my wages and take me to court in XXXX County if I did n't pay. While on the phone the lady i spoke to said she has to talk to their legal counsel about my account, and find out if the charges have been filed. Then she said she would transfer me to legal counsel to ask me some questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
With Regions bank they have had a practice of overdraft fees that are not legitimate, although they have gotten better their is still an issue

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 monetary relief