BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Capital Ones campaign of discrimination against me because I am XXXX continues. The company offers a feature that allows you to change the image on your card. I first submitted the XXXX  colors and was denied because they said it was a flag, though I purposefully made sure there was no flag border. When they rejected it, I filed a CFPB complaint. The woman who handled that complaint at Capital One had no idea what she was talking about, saying it needed to be licensed from the XXXX company. There is no XXXX company, we are simply a community that uses a set of colors for pride, but she was too ignorant to understand this. Now I have uploaded a picture of the White House in rainbow colors and even though this is not a flag in any way, they rejected it again. Clearly, this is for no other reason than they do not want their cards to have anything to do with the XXXX community, even though they happily take the money of their XXXX customers, because the image does not seem to violate any of the other image requirements. The hate and discrimination towards the XXXX community by Capital One is astounding. How they can reject an image just because it shows pride for the XXXX community, or any group, is beyond me. Clearly they dont want any support for the XXXX community on their card because of the hate they harbor towards the community.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-05
Company: DISCOVER BANK
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Seems that Discover Bank has set up quite a few accounts using my name, SS number, birth date, home phone and/or home address to laundry money again!
I have been getting calls from XXXX XXXX, and other Credit companies demanding payment for money transferred to XXXX accounts that I do not have but are in my name, SS number, birth date, home phone and/or home address!
Discover has been taken to federal courts for setting up fake accounts, money laundering and other illegal actives. Now it seems that they are preying on us seniors and Veterans!!!
And I am still getting phone calls from them telling me that I am going to prison if I do not agree whit what they demand in court!!!
I think I have to report this to the DOJ and Home land Security for possible money laundering! I could be in trouble if I do not?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: The CMI Group, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted Spectrum Cable in the beginning of XXXX XXXX in regards to an old outstanding debt I had with XXXX XXXX XXXX, which they now own. The XXXX representative told me that since merging with XXXX they eliminated their collection dispute department and that if I wanted to pay a lesser amount then what they had listed as owed, I needed to contact the collection agency who held my debt, which is Credit Management, out of XXXX, TX. I contacted Credit Management and told them that I would agree to pay the amount owed for past due services which was {$320.00}, but I was unwilling to pay the additional {$420.00} XXXX was looking for lost equipment as I attempted on multiple occasions to return the equipment and the pickup 's I scheduled were ignored and went unfulfilled. The representative at Credit Management stated I would have to put the request in writing and they would send it to XXXX to see if they agree on a lesser amount, which I did. On XXXX, rather then respond to my request to pay a lesser amount, Spectrum contacted Credit Management and withdrew the debt. The collection agency stated that I would need to contact Spectrum to see why the debt was withdrawn after I offered a lesser payment amount, as the debt was withdrawn but listed as " not satisfied '', meaning the amount is still owed. I called Spectrum today, XXXX/XXXX/XXXX, and they stated that they have no idea why the debt was withdrawn and that it will take an additional XXXX business days to get a response as of why. I feel like Spectrum had misinformed me in the beginning process and now that I have offered a lesser amount through the collection agency, is attempting to prolong the process and offer misinformation in the hopes I will give up and pay the full amount the feel is owed. I have stated on numerous occasions that I am trying to pay the debt off to obtain credit financing for a home purchase, and it seems like I am being taken advantage of.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I paid a company, XXXX XXXX, $ XXXX by debit card for a service they never provided. Wells Fargo allowed the them to keep my funds stating that: "you did not cancel the service as outlined in the terms and conditions signed by you."It turns out this company is a scam and criminal enterprise, the owner is being criminally charged for doing to others, what he did to me. 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 2022-07-17
Company: Netspend Corporation
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Card was supposed to refunded as well as attached XXXX to savings. Board request dept ran by XXXX XXXX at Brinks issue me refund. Three months later she has not filed check. Or called or written me from resolution department. Please escalate.

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 2022-07-17
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am a human being name XXXX XXXX XXXX I received documentation that XXXX XXXX XXXX Docket # XXXX was VERIFIED AS ACCURATE. I have an attachment listed below that came from that CFPB Complaint that file. I Received a DELETIONS Letter from XXXX XXXX On XX/XX/2022. XXXX XXXX Remove BANKRUPCTY From there consumer report. I also have a Bankruptcy letter stating the information EXPERIAN received on this bankruptcy was pulled from XXXX XXXX. I need this account removed from my credit report IMMEDIALTY. Also, Below I will have the LAWS indicating all the VIOLATIONS towards this Account. 


Docket # XXXX XXXX XXXX XXXX  Bankruptcy court dont report to the credit bureau XXXX PERMANENTLY DELETION 15 U.S.C Code 1681s - Reporting inaccuracies 15 U.S.C Code 1681c If I didnt comment a crime, it should not be on my credit report 15 U.S.C Code 1681b -I didnt give anyone written permission to put any thing on my credit 15 U.S.C Code 1681- Congressional finding and statement of purpose

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 2022-07-17
Company: Experian Information Solutions Inc.
State: MD
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:
Hello my name is XXXX XXXX. I was going threw my credit report and saw that a account by the name of XXXX ACCT NUMBER XXXX is on my credit report. I know nothing about this account and I file a identity theft report. i also send Experian the identity theft report but I haven't receive any feed back yet and it been over 30days my TRACKING NUMBER for this dispute XXXX XXXX XXXX XXXX XXXX XXXX. By the post office. Also here are some laws that this account is VIOLATING my consumer rights of Privacy 15 U.S.C 1681 Procedure in case of disputed accuracy ; Section 2 Prompt notice of dispute to furnisher of information 15 U.S.C 1681- Treatment of inaccurate or unverifiable information 15 U.S.C 1681s Responsibilities of furnishers of information to consumer reporting agencies

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 2017-09-05
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Good Morning, The question templates do not reflect my issue at all. I apologize for going another direction with this complaint, but it is as follows : I do not have exact dates, but Navient has always denied my ability to split our school loan with my ex-wife, who has a poor payment history and is affecting my ability to pay back my half of our loan. 

That there is not an option for splitting loans due to events like divorce is maddening. I want to pay my half of the loan. But since it 's not eligible to be split, my credit is constantly being hit because of my ex-wife 's non-payment of her half of the loan payment on many months. 

I am at my wit 's end and am begging for an opportunity to have the loan split. Because of non-payment this month and last month, our payment amount has doubled in size with an unrealistic current amount due at over {$1000.00}. 

Please help. Thank you. 

XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The lender initiated foreclosure within the early intervention period in violation of Regulation X, 12 C.F.R. 1024.41 ( f ). Your client failed to provide our client with a Post-Foreclosure Referral Notice in violation of 12 C.F.R. 1024.39 ( b ) - The client was approved for a loan modification and made his trial pmts - the lender removed the file from an approved mod status stating he did not provide the death certificate in time for the modification to be completed - then set a sale date on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
PNC purchased BBVA Compass Bank I have ( XXXX ) issues that I need the CFPB to me resolve. 

I have been a mortgage holder with BBVA since XX/XX/2015. 
I never once missed a payment or not received statements. 

Once PNC took over the mortgage account, Issue number ( XXXX ) : PNC cancelled ACH off my account causing my payment to go ( 60 ) days late. 

When I was made aware my mortgage was cancelled off my account by viewing my credit report, I called immediately asking how ACH was removed, they stated someone called and cancelled, I advised I never called and cancelled and requested they pull the call because this has adversely affected me, they stated they could not. In that moment on that call I then paid ( XXXX ) months of payments and explained I have been a mortgage holder since 2015 and I have never once been ( XXXX ) days late. 


Issue number ( XXXX ) : I had not received any mortgage statements from PNC bank failing to notify me of account changes or receive statements on the account. 

Per section XXXX Periodic statements for residential mortgage loans. 

Section ( XXXX ) Periodic statements. A servicer of a transaction subject to this section shall provide the consumer, for each billing cycle, a periodic statement meeting the requirements of paragraphs ( b ), ( c ), and ( d ) of this section. 

As well, per section ( b ) Notices of transfer of loan servicing ( XXXX ) Requirement for notice. Except as provided in paragraph ( b ) ( XXXX ) of this section, each transferor servicer and transferee servicer of any mortgage loan shall provide to the borrower a notice of transfer for any assignment, sale, or transfer of the servicing of the mortgage loan. 

Due to PNC & BBVA transition in ownership, their systems failure to communicate and properly merge all account information, I am wrongly affected by : ( XXXX ) having ACH cancelled off my account due to PNC systems not communicating and me not being notified ( XXXX ) not receiving any legal, account or ownership correspondence from PNC. 

I was never notified via mail, phone call or any attempt at all. 

I am requesting ( XXXX ) day lates be removed off all credit bureaus immediately, as this has caused an extreme financial hardship that is due to PNC, not me. 

I have spoke with their escalations team, I have conducted research and found many PNC customers have had issues since the merge of BBVA and PNC and I am not the only XXXX adversely affected. 



Thank you kindly for your help & all of blessings to you, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have notified the different credit agencies and the collection agency that this account do not belong to me. Please review the attached police report. The XXXX - XXXX  ( XXXX ) and the unknown collection account on my Equifax - Acct # XXXX account do not belong to me. Please remove these accounts from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-25
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Hello, I am currently a Lender who borrowed from Navient and Fed Student Loan Program. I currently owe {$60000.00} total to Navient.  I am making my monthly payments, struggling even with  XXXX  out of the  XXXX  loans put on Interest only repayment. I pay each month {$110.00} in the beginning and {$230.00} in the middle since  XXXX   XXXX . The {$110.00} is interest on ly ( only  relief plan I was offered ) and the {$230.00} is full repayment ( I assumed partly principal/interest. ) I have noticed a couple of times almost the entire payment of {$230.00} is applied to the interest only. I just made a payment  XX/XX/XXXX , the principal amount applied was {$5.00} and the interest amount was {$220.00}. I noticed another time  XX/XX/XXXX   XXXX  was applied to the principal while the other {$230.00} was applied to the interest. I have not contacted the company but I feel like I am constantly being taking advantage of.     In  XXXX   XXXX  they convinced me that one way to lower my monthly payments was to consolidate all my student loans t o Navient (   XXXX   XXXX  at the time ). I did not understand the process or anything involved and followed they 're advice. Unaware until after the process was done, my interest rates went from 2.330 % with  XXXX   XXXX   XXXX  to 5.375 %. Over the phone they worked out the percentages and provided me information on how this would lower my monthly payments and was the best option. In reality it only increased the interest and did nothing to change the monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There is an ongoing matter that I am unable to solve on my own after many attempts with the credit reporting agencies XXXX, Equifax, and XXXX, regarding the following accounts, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have written several dispute letters, all sent via certified mail with proof of delivery. I informed the aforementioned reporting agencies of the many inaccuracies listed on my consumer report. I pointed out several inconsistencies of information reporting between them as well. I also enclosed my consumer report with each of these disputes, and made sure to point out each and every error that I noticed by circling and or highlighting the disputed information with an explanation provided. The reporting agencies have not responded to me, nor did they remove any of the disputed items above. I do not believe they are taking this matter serious, and are fairly addressing the matter at hand. I have no indication that any true or reasonable investigations has taken place. 15 U.S. Code 1681i details the rules and procedures that the reporting agencies are to follow when accuracy is being disputed. They did not follow these rules. Secondly, 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) states that because I have a reason to believe that information being reported in inaccurate, the financial institutions are not to furnish such disputed information onto my report until it can be verified. The furnishers above continued reporting during each and every dispute process. Lastly, I have no idea how these financial institutions were able to gain access to my personal information. Per 15 U.S. Code 6801 and 15 U.S. Code 6802, my private nonpublic personal information is not to be shared with nonaffiliated third parties without my expressed consent, which I never gave them! The law states that these financial institutions must clearly and conspicuously disclose to me and provide me with the option to opt out of reporting. I was never given this choice! This is a clear case of identity theft! I do not see any attempts to protect the privacy and confidentiality of my information per Congressional findings under 15 U.S. Code 1681 ( a ) ( 4 ) and 15 U.S. Code 1681 ( b ) " Reasonable procedures ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: EQUIFAX, INC.
State: IL
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:
Equifax 's failure to produce any legal evidence or verification for the alleged debts, and is now currently reporting an incorrect demonstration of an inaccurate, unsubstantiated alleged list of creditors as the " result ''. Equifax & its actors willful behavior of discharging its duties to correct itself and the record after prior attempts were properly made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I filed a dispute with Transunion in regards to an account with XXXX XXXX XXXX  which stated that I was late paying my account 3 times which is false. I asked Trans union to send me a copy of the of the results of the investigation. I also requested that they send me proof via a document with the response from the Bank and informed them that I would not accept verification via e-Oscar or any other form of electronic verification system. I requested a formal response from the bank verifying what they are reporting on my file. Trans Union is refusing to follow the law and continues to report late payments on my report. I do not believe they are following the law and request and investigation into their practices. My next step is to involve an attorney and request damages for reporting false information.

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 2022-07-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act : XXXX XXXX  XXXX  acct # 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 XXXXXXXX XXXX. acct # XXXX has violated my rights. 
15 U.S.C 1681 section 602A states, I have the rights to privacy.

15 U.S.C 1681 section 604a also states a consumer reporting agency can not furnish a account without my written instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-11
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity theft and noticed a collection from Diversified Consultant. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Diversified consultant in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation