BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX, I have an account on Capital one Bank that has been froze since XXXX XXXX I deposited two checks from my business customers which is XXXX and XXXX auto insurance. 
They froze the two checks cause it was not written under my name. 
I spoke to them since XXXX they said it took only 90 days to process this investigation however it is over 90 days now and they said they need that hold harmless letter or woe ( without entry ) However I spoke with the insurances they dont issue it. 

This week i called capital one bank and they verified it is the bank of XXXX and allstate that will issue the hold harmless letter or woe. 

My concern to this matter because CAPITAL ONE BANK INVESTIGATOR is not making any actions to speak with the XXXX and XXXX. It is me who keeps on calling the insurances XXXX and XXXX didnt receive any calls from CAPITAL ONE BANK INVESTIGATOR. 
But CAPITAL ONE BANK said to me they send a required documents to XXXX and XXXX since XXXX XXXX.however XXXX and XXXX DID NOT receive anything from them since XX/XX/2022. 

On XX/XX/2022. Capital one bank said they will try to reach on me with the name investigator XXXX however she didnt call. 
This investigator is not doing any actions to our account to be solve right away since XXXX. 
This is my second time attempt to complain cause this Investigator is not doing any actions. The investigator is not even calling us to update the process they are doing. 
This investigator needs to reach on me and talk to me via phone atleast. 

Hope this complain will be solve asap. I have so many bills to pay just like you guys!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: PA
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 submitted an identity theft report to Experian # XXXX. I have been incarcerated for 15 years, and have no knowledge of the fraudulent accounts on my credit file. I will attach proof of my incarceration. An extended fraud alert was placed on my credit file but the fraudulent accounts remain on my credit file. This is a direct violation of my rights as a consumer under FCRA.

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 2017-08-30
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have worked for a 501 ( c ) ( 3 ) XXXX as an XXXX since XX/XX/XXXX. However, Fed Loan Servicing ( FLS ) told me my student loan payments before XX/XX/XXXX do n't count for PSLF, because they were n't consolidated correctly. ( I first contacted Fed Loan and transferred my loans in XX/XX/XXXX. They were reconsolidated to REPAYE ). But I am certain I was in an IBR or ICR repayment plan prior to starting an account with Fed
Loan. However, FLS 's website says : " Payments you make under a 10-year Standard Repayment Plan or under any other Direct Loan Program repaymen
t plan with payments that are at least equal to what you would have been required to pay under the 10-year Standard Repayment plan also count toward PSLF. However, you must switch to an Income-Driven Repayment ( IDR ) plan, such as PAYE, REPAYE, IBR, or ICR, to benefit from PSLF. Otherwise, you would have no remaining loan balance to be forgiven after making 120 payments. '' FLS is refusing to apply federal student loan payments I made between XX/XX/XXXX and XX/XX/XXXX, even though I worked full time for a qualifying employer and my loans were in an IBR or ICR plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX i went into the chase bank to take care of some banking. i was asked why i was with drawing such a large amount from my savings. i told them i was refinancing my home. so they asked if they could try to match the offer. i figured why not let them try. so i met with one of there lending advisers. his name was XXXX XXXX. XXXX XXXX he took my information and started an estimate to see if he could match or beat the other offer. At first i thought he was going to but decided to stay with the first offer. in the process XXXX told me that in order for him to continue the estimate i would have to agree to give him a credit card number he could use for a {$500.00} fee that would only apply if i agreed to go forward with there offer. when i told him that i had decided to stay with the other loan offer he got upset and said that i was not going to get the {$500.00} dollars back.i was not told that this was not refundable until i told XXXX i did not want to go forward with his offer. not only was he very rude about it he told me i would not get my money back. there was no services rendered other then the estimate he agreed to do for me to see if he could match or beat the other offer. i had no idea he was going to keep my {$500.00} dollars for just his estimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: TRUHOME SOLUTIONS, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shortly after re-structuring my monthly mortgage payments, I received a notice without warning or explanation indicating that my mortgage would be increased by approximately $ 400 monthly due to an adjustment in my escrow account. TruHome Solutions could nt explain why my escrow needed to be adjusted as neither my taxes nor my home value had changed. During this process I renegotiated my insurance premium and used the difference to pay off the shortage in my escrow as reported by TruHome Solutions, however, I had still not received an explanation for the drastic increase. After making payments and paying down outstanding escrow balance, TruHome reported that the reason the escrow was raised was because I missed a home owners insurance payment and they were forced to make the payment for me. I indicated that this was absolutely false and requested a refund of my lump sum payment as well as adjustment in my monthly payments back to the agreed upon re-structured monthly rate. Additionally, I noted that during the process of reconciling my mortgage balances, that TruHome inaccurately reported my mortgage late with credit reporting agencies. I 've asked repeatedly for this to be addressed as well to no avail. TruHome has repeatedly demonstrated irresponsible handling of my account, erroneous reporting, and mismanagement resulting in a devastating impact on my credit rating..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I have asked the credit bureaus to do XXXX  review of my credit report, they did but i have found improper even after they did. but i did research and found improper even after they did the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights 15.u.sc 1681 section 602A section 2 : it also states a consumer reporting agency can not furnish an account without my writing instructions.

this what is being don't to consumers is not fair and should not be allowed, there need to ne some changes, i am hoping this helps understand my situation and these account gets removed from my records for never to return.

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 2022-08-26
Company: National Financial LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have a payday loan which I was paying weekly. I had issues paying it which led to issues with my bank account. I called and made a one time payment on a new debit card. I never agreed to or signed any paperwork stating that this card could be used for automatic withdrawls. Yesterday morning the payday company charged a {$50.00} payment without my consent. A phone call to a XXXX XXXX on their " legal dept '' got me nowhere. He had a condescending attitude & his only solution was to not to use my card. I want my money returned to that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: Caliber Home Loans, Inc.
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I tried for seven years to obtain a home modification. Since I was not receiving any help and after submitting multitudes of home modification packages, as well as thousands of dollars to catch up, I went to court and enjoined the mortgage and FINALLY received a modification. After the modification, I received a statement from Nationstar, indicating I am released from paying PMI, and therefor my payment was changed. I tried contacting XXXX, to no avail. Then I received a notice from Caliber Home Loans LLC stating they had purchased my note but XXXX was still my servicer and I was to continue to send full or partial payments to XXXX, which I did and the payment was returned. On or about XXXX XXXX, i received notice of foreclosure on XXXX XXXX, clearly disregarding laws of foreclosure notice. I contacted Caliber,  and they refused to speak to me. Although they claimed I am not the mortgage holder, they said a " cease and desist '' communications was in my file? How is that possible since they never communicated to me? I sent a letter in writing as instructed and received a letter back saying they were investigating my claim of " errors '' made. I then signed in to my XXXX ACCOUNT prior to the foreclosure and received a statement " your loan has been paid in full, if you are on automatic payments, you will be withdrawn and owe nothing further. 

On XXXX/XXXX/XXXX, I received notice, without any outcome of Caliber 's  alleged investigation, ignoring my requests for production of NOTE or production of document with my signature on " cease and desist communications, that my home was foreclosed. My self and my XXXX young sons are now being threated to be locked out of our home via Sheriff. The notice was from the sheriff was addressed to my teenage son, my mother, who does not reside here, and myself whom Caliber has claimed all along that I have no mortgage with them. The is the most heinous, egregious example of an unlawful foreclosure, using UNITED STATES POSTAL SERVICE TO SEND FRAUDULENT AND MIS LEADING DOCUMENTS regarding the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Prosper Marketplace, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I was called by a company called prosper loan by  XXXX   XXXX  and accountant  XXXX    XXXX   phone #  XXXX  or  XXXX  from email  XXXX  XXXX  XXXX . Due to my ignorance of the scam about to happen. I was told I was approved for a loan. During this time I was homless with and infant and father had just passed in desperation for help I called them and was asked to purchase I tunes cards or  XXXX  gift cards. As it fallows I did they sent me what I thought were legal document. Then they told me to call and see i had funds i did. Then they told me that if I didnt return there funds i would get reported to the FTC. That made me nervous. Did not really think anything of it until I called the real company and asked for a update on my loan 3 days later after I tired to pay for a safe place to stay. my card was declined and account frozen due to unusual activity.? I was notified that they did not approve a loan that I had not even applied. Now I am in a bind do n't know what to do do n't have any money to get help. And far worse then when I was.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2022-08-26
Company: Experian Information Solutions Inc.
State: MD
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:
I have asked the credit bureaus to do XXXX review of my credit report, they did but i have found improper even after they did. but i did research and found improper even after they did the XXXX research. Account XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights 15.u.sc 1681 section 602A section 2 : it also states a consumer reporting agency can not furnish an account without my writing instructions.

this what is being don't to consumers is not fair and should not be allowed, there need to ne some changes, i am hoping this helps understand my situation and these account gets removed from my records for never to return.

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 2017-08-30
Company: Rocket Mortgage, LLC
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I recently was denied and FHA streamline loan, and was forced into a higher interest loan from Quicken loans and then not given the refinances loan because of the appraisal that I did not have to have .Even as my house appraised for more than the amount of the loan .I believe I am being discriminated against because of my color and the demographics of the community in which the house is located .I was told I was denied the loan because the loan officer made a mistake and tried to put me in the wrong type of loan, Yet I am still denied credit because of their mistake .It is obvious that race and demographics is the deciding factor in the case. This will cost me thousands of dollars over the life of the loan and is blatantly discriminatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have paid my mortgage to XXXX since XXXX of XXXX yet the have failed to report my loan to the credit bureau. I have a pdf. of all my payments ( none late ) yet I can not get them to report to any of the 3 bureaus. This means I can not refinance because other lenders can not see my loan. They basically have 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 2022-03-03
Company: AMERICA FIRST FEDERAL CREDIT UNION
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: Information belongs to someone else

Complaint:
These is not my account. ( 2 ) accounts America First Credit Union is wrongly showing 2 charged off accounts on XXXX, XXXX and XXXX. 

Please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Santander Consumer USA 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:
The letter of incorrect and inaccurate information was sent on XX/XX/XXXX of 2022 and was received by the Bureau and do nothing about the dispute letter. Prior to this, I disputed this online. XXXX responded with a " Factual '' update without verifying accurate information that this account is valid and accurate. The bureaus are continually ignoring my disputes related to these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: AES/PHEAA
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:
my student loan is more than 10 years old and Im attempting to purchase a home and this loan is reporting making my debt to income ratio high.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
In XX/XX/XXXX I received correspodence from Citizens/Charter bank through CFPB there are missing payments not listed on the payment history sent. There were two payments one for {$250.00} and the other for {$500.00}. those two payments are missing. Brought the balance down to {$2000.00} in XXXX. Also there was a complaint for XXXX regarding default. I paid the monthly payment after i paid the principal of {$1400.00} was defaulted. Stated that the bill was never going to go away and I quote. This also was sent to CFPB. Requested a XXXX discharge for Citizens bank. Stated in their correspodence that they were no payments. I will get a copy of a police report if necessary have to prove it's theft first

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
First had issue with original debtor. The hospital where the procedure took place. Tried to dispute with them but they failed to contact me. Within a months time and several attempts by me to contact them they had forwarded my account to a debt collector. Finally when we did connect they could not help me as the debt was already turned over to collection agency. I have all corresponding emails and letters that I have sent. 

First collection agency stopped as I had instructed that I was in dispute of debt. The second agency continually tried to call me. I sent a dispute letter trying to resolve the issue but to no avail. I have requested from them if they are licensed or bonded which is required in the State of Texas and have not received confirmation of this. 

Looked them up on the Texas Secretary of State web site and find them not legally allowed to do business in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: RMS-Recovery Management Services, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2017 I got a call from Recovery Management from a masked number which was XXXX informing me or legal counsel to call XXXX with a case number of XXXX. Persons name was XXXX XXXX and when the Manager came on he demanded XXXX dollars on my debit card to hold my settlement amount of {$700.00} from a old XXXX debt. He threatened me with court action without letting me talk and hung up. 

I told them I settle for the {$700.00} but did n't have any money. I even said I 'll pay the {$50.00} to hold my settlement but as a one time payment not as a recurring payment. The manager said NO and said " we 'll see you in court '' and promptly hung up without letting me talk. 

On XX/XX/2017 they called several of my family members who have no connection to my financial situation. They called my brother and cousin and leaving them a voicemail with my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
my accounts XXXX account number XXXX date opened XX/XX/XXXX and capital one account number XXXX date opened XX/XX/XXXX, are reporting one late to credit reporting agencies. which are inaccurate, so please have these inaccuracies removed especially when i have the creditors letters as approval to do so. 
thank you for your cooperation please find attached the creditors letters.

Company response to consumer: Closed with explanation