BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Hi, I was making an online credit card payment with capital one on my cell phone in  XXXX   (   XXXX  of  XXXX  . ).  The site was n't downloading properly but I was still able to submit the payment. It mistakenly submitted a payment in the amount of the full, remaining balance in the amount of {$2600.00} and I only found out when I was assessed the returned payment fee. Subsequently spoke with a rep., explained it was an error and the returned payment fee was credited. I recently applied for an increased credit limit with capital one as I 'd like to improve my credit ( build a better credit ratio ) and was denied due to the aforementioned returned payment. I phoned  them at least 2 to 3 weeks a go and spoke with a very helpful rep., explained to her what happened and requested they update their records and remove the incident from my history as it was an error. They have not removed it. I spoke with a rep. about 2 days ago and he said he could n't see it on my account, but it 's still there as I applied for a credit limit increase again but was declined for the same reason. Please contact them and hav e Capital One  remove it from my history and with all of the credit reporting agencies immediately. Thanks in advance for your invaluable assistance.   Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
see CFPB XXXX XXXX XX/XX/XXXX & XXXX XX/XX/XXXX CFPB RESPONSES USAA DISMISSED COMPLAINTS ( ** Two Fraudulent Credits Cards Opened in my name. ) Using my USAA PROFILE.  USAA DENIES IN CFPB RESPONSES. See attatched 1099-C CANCELLATION OF DEBT Account MC XXXX XX/XX/XXXX. THIS IS THE ONE AND ONLY CREDIT CARD I HAVE OPENED WITH USAA. SEE attatched USAA XX/XX/XXXX Confirmation Settlement card  XXXX XX/XX/XXXX. Kindly Note the VERY NEXT MONTH XX/XX/XXXX AFTER THIS WAS SUPPOSED TO CLOSE TWO NEW CARDS OPENED A MC END XXXX & A VISA END XXXX. USAA used my private data in my profile from this account to OPEN TWO FRAUDULENT CREDIT CARD ACCOUNTS IN MY NAME. see Attatched Statement ( MC end XXXX {$100.00} ) THIS WAS OPENED WITHOUT ANY VERIFICATION IT WAS ME. NO SIGNATURE NO DRS LICENSE NO AUTHORIZATION OR APPLICATION FROM ME. see attatched XX/XX/XXXX CREDIT CARD FRAUD CLAIM {$470.00} DATE XX/XX/XXXX card VISA end XXXX. I DID NOT APPLY SIGN FOR OR AUTHORIZE THIS ( VISA CARD ENDING XXXX ) EITHER. TWO OPENED BY USAA FRAUDULENTLY using my private profile data. USAA DENIES ANY FRAUDULENT ACTIVITY. NO USAA PERMANET CREDITS WERE PROVIDED. USAA REVERSED {$3000.00} of Merchants Credits USAA never provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Flagstar Bank, N.A.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from Flagstar, dated XX/XX/XXXX, stating that I had a lapse in hazard insurance coverage from XX/XX/XXXX to XX/XX/XXXX. Flagstar charged me {$370.00} to cover the lapse. However, there was never a lapse in coverage. I have attached evidence of property insurance showing that I was covered from XX/XX/XXXX to XX/XX/XXXX, which includes the period from XX/XX/XXXX to XX/XX/XXXX. I have already submitted the evidence of insurance to Flagstar directly. I decided to also submit a CFPB complaint because I suspect that this is a malicious tactic on the part of Flagstar- i.e. arbitrarily declare that there was a past lapse in coverage, charge the borrower to correct the lapse, and put the onus on the borrower to prove that there was no past lapse before they can recover their funds. The key to this tactic is that Flagstar is saying the lapse occurred in the past, even while current coverage is in place.

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 2020-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
TransUnion did not properly investigate my credit disputes. I sent them all the required documentation see documents that Isent to them attached. The letter they sent out to me requested all the same information that I sent to them attached. The letter they sent out to me requested all the same information that I had emailed them with my request. The packet that I uploade her is exactly what I sent to them. They ar requesting duplicate 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 2017-06-15
Company: Statebridge Company
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am trying to make my regular mortgage payment and the lender refuses to accept regular mortgage payment due to carryover late fees from a prior lender. They are trying to collect those fees by altering my fixed mortgage payment. Now they refuse to accept my regular mortgage payments. I explained to them at this time I could only make my regular mortgage payment of XXXX and they refuse to accept it. They said they could only accept XXXX. My payments to this lender Statebridge Co has never been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The original creditor was  XXXX   XXXX  and my limit on the card was {$300.00}. I charged {$300.00} on the card in  XXXX   XXXX  and missed my  1st  payment and was charged a {$25.00} late fee. They closed my card in  XXXX   XXXX  without giving me the chance to pay it. Then I received a bill for {$640.00} from  Midland Funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
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: Their investigation did not fix an error on your report

Complaint:
I was promised numerous times by representives from XXXX XXXX that they would remove XXXX XXXX from my credit reports because I never received or ordered any items from XXXX XXXX I have been promised XXXX XXXX  would remove this since XX/XX/XXXX and it is yet to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I requested my refund on XX/XX/25, my piers have already received their refunds from Edfinancial and they requested their refund After I did. I explained to the customer service agent my family is extremely affected by the pandemic but I believe it fell on deaf ears. I was quoted XXXX business days and my friends received a student loan refund from the same company in no-time at all. Im completely unhappy with the inconsistency of info this company provides. They werent even my original loan company, for some reason my loan was transferred to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I own a 2 Family Home in New York XXXX. This is my Primary residence and the only home I own. There is a Mortgage Loan on the house, being serviced by SPS - Select Portfolio Servicing. I have been a very regular customer since the beginning. However due to COVID 19 my XXXX Business had to be closed down, from XX/XX/2020, as the whole City was shut down by the NY Governor for a few months. As there is no business I was not able to even cover the Rent for my XXXX. So my Business is still not open. I am waiting for Govt. Loan so that I can reopen the business again. And my tenants also stopped paying rent from XX/XX/2020. Despite all these severe hardships, I kept on paying my Mortgage from my Savings until XXXX last year. Since I exhausted my Savings and many of my friends were already taking Forbearance from XX/XX/2020 itself, I also applied for Forbearance. SPS gave me 3 Months ' Forbearance from XX/XX/2020 till XX/XX/2020. Since they were pressing me for starting the payments, I somehow managed to pay for 2 months. Then again I requested them for Forbearance. But they refused for the strange reason that I did not want Forbearance. How can I say that I do not want further Forbearance, when I am suffering such severe financial hardships? 
And now they are saying I have no Loss Mitigation offers on my account, which is very very strange. I am given to understand that under the CARES Act, it allowed a total of 12 Months ' Forbearance. And now with the new Federal Govt., I heard it is extended by another 6 months for a Total of 1 Year and 6 months. So how come, SPS gave me only 3 Months ' Forbearance, and then telling me that I have no other Loss Mitigation Offers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I LOOKED AT MY CREDIT REPORT AND NOTICE A LOT OF INQUIRIES THAT I DID NOT AUTHORIZE FRAUD IDENTITY THEFT PLEASE HAVE THESE FRAUDULANT INQUIRIES REMOVED  1  )  XXXX   XXXX 17  XXXX 17  XXXX   XXXX  17   XXXX   XXXX 17  XXXX 17  XXXX   XXXX   XXXX  17   XXXX   XXXX  17   XXXX   XXXX  17   XXXX -17   XXXX      XXXX    XXXX  17    XXXX   XXXX    XXXX -17  XXXX   XXXX   XXXX  17    XXXX      XXXX    XXXX  17  PLEASE HAVE THESE NON ACCOUNT INQUIRIES REMOVED

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 2017-06-15
Company: Experian Information Solutions Inc.
State: NC
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:
I LOOKED AT MY CREDIT REPORT AND NOTICE A LOT OF INQUIRIES THAT I DID NOT AUTHORIZE FRAUD IDENTITY THEFT PLEASE HAVE THESE FRAUDULANT INQUIRIES REMOVED  1 )     XXXX   XXXX -17  XXXX  17   XXXX   XXXX -17  XXXX   XXXX -17  XXXX  17   XXXX   XXXX   XXXX -17  XXXX   XXXX -17  XXXX   XXXX -17  XXXX  17   XXXX   XXXX   XXXX -17  XXXX   XXXX   XXXX -17  XXXX   XXXX   XXXX  17   XXXX   XXXX   XXXX   17   PLEASE HAVE THESE NON ACCOUNT INQUIRIES REMOVED

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 2022-09-11
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan was transferred from XXXX XXXX XXXX to RightPath as of XX/XX/XXXX. A delinquency in the amount of {$40000.00} per the XX/XX/XXXX statement from XXXX XXXX XXXX. On XXXX, while still under the servicing of XXXX XXXX XXXX, a series of transactions label " Irregular Payment '' was applied to the loan history. The sum of these " Irregular Payments '' is {$38000.00}. This brought the account current through XX/XX/XXXX, leaving XX/XX/XXXX due and payable to RightPath Servicing. 

In addition, beginning XX/XX/XXXX, I applied for assistance with California Mortgage Relief to receive a grant to bring the account current. On XX/XX/XXXX I was approved to bring the account current - ALL delinquent amounts would be paid for by California Mortgage Relief. However, due the transfer the and transactions applied by XXXX XXXXXXXX XXXX the account then reflected no delinquency. I immediately contacted RightPath advising them of the situation. After numerous calls and emails, no one was able to correct the error. I was told by XXXX representative that the payment applied by XXXX XXXX XXXX in the amount of {$38000.00} was payment from a " hardest hit fund '' and there was no error. On XX/XX/XXXX, RightPath collected payment from me for the amount due on the account- XXXX and XXXX payment- in the amount of {$2900.00}. 

On or around XX/XX/XXXX, a wire payment was sent from California Mortgage Relief to bring the account current. However, since no deliquency was reflected on the account the funds were first applied to the principal and then reversed and applied to the unapplied funds account. Later, funds were returned to California Mortgage Relief and was indicated that no delinquency existed. Later, the loan history has been completed changed to show that funds in the amount of {$39.00}, XXXX was removed from the account. In addition, the loan became delinquent in the amount of {$26000.00}. Again I asked RightPath to explain the difference in the amount due to XXXX XXXX XXXX before transfer and the amount now reflecting delinquent by RightPath. 

Furthermore, due to that account errors on this account, my approval from California Mortgage Relief has been cancelled. The mishandling of my account by RightPath has caused me to forfeit funds to bring the account current. Ever attempt was made by me to have this issue resolved before the grant funds were sent. RightPath took to action and when action was taken it was done incorrect - stating no delinquency existed - and the amount due on the account has still not been verified and validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: EQUIFAX, INC.
State: NV
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:
Equifax and XXXX are reporting the collection account XXXX on my consumer report. I have disputed this account directly with the collection action. I do not owe any such debt and I am refusing to pay this alleged debt and wish to have the CRA 's cease and desist any further reporting of this account. I am disputing this account based on accuracy and request XXXX and Equifax to investigate this account for maximum accuracy and completeness. Please see the attached documentation directly from the collection agency and delete this account immediately from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: JH Portfolio Debt Equities, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The collection compan y of JH Portfolio Debt Equities is  " re aging '' the account to add time to when the account is supposed to be deleted from my credit reports. This is a violation of my rights and is illegal under FCRA sectio n 605 ( a ) ( 4 ) and 622 ( 5 ) ( b  ) ( i ) respectively.   The account is a  XXXX  credit card account that was reported and the " Date of First Delinquency '' as  XXXX . The account then was sold on  XXXX   XXXX  to  JH  Portfolio Debt Services and the the " Date of First Delinquency '' was changed to :  XXXX  to  XXXX   XXXX  to  XXXX   XXXX  to  XXXX   (  see attached second certified letter ) All of these dates are inaccurate. I have asked repeatedly by certified letter as to why the " DATES OF FIRST DELINQUENCY '' where changed after they received the account from  XXXX  bank  ( see handover letter ). JH  did not receive the account until  XXXX   XXXX ,  XXXX . Prior to that the " Date of First Delinquency '' was reported as  XXXX  ( see attached  XXXX  entry dated  XXXX  ) by the original creditor. The other  XXXX  credit reporting agencies did not report the account at all.     They have not responded, or in this case not deleted the account from my credit reports as they are required by law. The original creditor reported the " Date of First Delinquency '' as  XXXX  therefore the account should have been deleted in  XXXX   XXXX . I have tried to resolve this matter thru  XXXX ,  XXXX ,  XXXX ,  XXXX , as well as The State Attorney General Office of California and now your 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 2022-09-11
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
It is about a XXXX XXXX {$50.00} card that was gifted to my daughter on her XXXX birthday, XX/XX/XXXX. 

Like all the gift cards i received for her birthday, i kept it until she may decide on what to use it for. 

When we tried using the card more than 2 yrs ago ( during the lockdown ) it won't work. I called XXXX ( XXXX ) XXXX at least 3x, i was just told that they can't do anything anymore. 

I didn't even activated that mastercard debit card. Expiration is XX/XX/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 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I found out that my identity information was stolen and was opened fraudulent student loans by U S. DEPARTMENT OF EDUCATION/XXXX. I submitted the POLICE REPORT from XXXX XXXX Police Department and FTC Identity Theft Report to the credit reporting agencies. XXXX  has deleted these fraudulent accounts but XXXX  and TransUnion have ignored all documentations I have sent them. I contacted XXXX  and TransUnion and they stated that the police report needs to be signed by the police officer. I went back to the police station and got the signed police report. However, these two credit reporting agencies : XXXX  and TransUnion don't pay attention to any documents and refused to resolve this problem.

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 2017-06-15
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been a customer of  Citibank Credit ca rds for over 22 years, since  XXXX . Since then, my credit card I opened in  XXXX  I have never made a late payment on this account or any  Citi  account or other account on my credit report. Recently, in  XXXX   XXXX   Citibank  closed this card without my permission, since I the bank claimed I was not using it enough ( I have other accounts with  Citibank  that were active. Citibank never warned to use my card or they were going to close it ) I contacted  Citibank t elling them I DID NOT want the card closed. They re-opened the card in  XXXX   XXXX  per my request. Unfortunately, the made another hard-pull on my credit report to re-open account, even those I asked them not to as the card was closed in error.     After they re-opened the card, I started using the card in  XXXX   XXXX , and the payment was not automatically made on time. In the past, this card and all of my  Citibank  credit cards were enrolled in "  Auto  Pay '' so that the full balance was deducted from my checking account on a monthly basis. When  Citibank  closed and re-opened this card these payment instructions were cancelled, unbeknownst to me.     As soon as I discovered the account was late ( less than {$50.00} was owed ) because payment were no longer being made automatically via Auto-Pay, I immediately called  Citibank  and made a payment over the phone. I asked the representative if this was going to affect my credit report. She said NO. She said if it did, the payment I just made would be applied and blemish on my credit report would resolve itself over a month or two. I found out there is still a blemish on my report and I would like it removed. I called Citibank back and  Citibank  tells me over the phone that they can not removed, even due to the extenuating circumstances described above ...

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 2022-09-11
Company: EQUIFAX, INC.
State: IL
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 XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has 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

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