BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I received a call on my Landline ( XXXX XXXX XXXX from people who said they were XXXX XXXX XXXX XXXX located in XXXX, CA. A woman stated, my computer had been compromised and the IP address is public and showing from XXXX. They ( people from XXXX ) went into my computer to show me their credentials and showed me my information including the XXXX website. They went into my XXXX account and profile including my XXXX XXXX account. I was shown state reports on my IP address and my computer which showed a public address for easy access for people ( hackers ) to get into my computer. They were going to fix my computers IP address so people would not be able to access my device. The hackers had me put my computer in airplane mode, look at the IP address,  the VPN to view this information with them. At one point, I was told to go to my internet router with my computer. These people saw my XXXX, XXXX, and XXXX XXXX information. They wrote out a computer plan of action ( see attached ) of what they well do and what my issues are. After twenty minutes on the phone they said I needed to buy XXXX {$100.00} XXXX gift cards from a local store to cover and dummy for the new IP address. Later, I was told those were not valid and I had to purchase additional cards. I purchased four {$100.00} XXXX cards from XXXX XXXX. I was told those were not valid. I went to XXXX in XXXX  and I say and alert on the XXXX. I stopped and made the necessary calls and filed a police report with the XXXX PD with Officer XXXX. 

Every agency has been informed ; the three credit bureaus ( freezes, alerts, identify thief ), account numbers and banks changed, new credit cards, XXXX membership, letters, calls etc. Additionally, on the same day and ONLINE, the hackers used my email and IP addresses to purchase a XXXX gift card for {$100.00} which Capital One approved. Before the {$100.00} XXXX gift card was approved the hackers attempted to purchase five {$100.00} cards from XXXX that were denied because the identity could not be verified as shared by a XXXX Supervisor ( see agents statement/Walmart account ). 

My past spending history, Capital One monitored and would stop my purchases to verify my identity. Lastly, Capital One should have stopped these purchases due to my past and present spending patterns and they are holding me accountable to the fraud and scam which were made under duress.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have not had a contract with  XXXX . The Debt is not mines. the creditors continue to remove the debt and then reinsert it back on my credit with a new date

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: LD Holdings Group, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I could not log into the mortgage companies website. It would say loan not recognized. Customer service wait times were in the hours. The company did not contact me. Eventually sent me a letter which i responded immediately and was able to reach a represented who walked me through connecting my Loan and Their website. I pay the back balance. I followed up to ensure my Auto-Pay was setup and my Balance was XXXX. The webpage was confusing but clearly showed a {$0.00} due balance. The associate assured me the balance was {$0.00} and autopay was setup. The following reporting period I received a 30 day late. I called back and was told the balance was due and autopay was not enabled. I paid immediately again and setup autopay again with the rep. 

The companies poor web portal and misinformation caused the 30 day late payment. Not once was I unable or unwilling to make the payment, I simply was UNABLE due to their systems. I explained this politely many times and have been sent all over LOANDEPOTs departments. After filing a complaint I received a call denying my request becuase " the payment was late '', however it was late because of LOANDEPOT. I asked the representative if they listened to the call and she said yes, however she referenced female associate but I was talking to a male associate. She pulled the wrong call. I clearified this and received a half-heart " oh i listened to that too ''.. I do not thing she did. These late report are hurting my ability to refiinance and its LOAN DEPOTS fault. Please remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was sent a letter on XX/XX/2020 from Convergent Outsourcing, inc., saying that my XXXX account has a negative balance of {$330.00}. The company claiming to be a collections agency offered me a settlement of {$160.00}. I have checked with XXXX and confirmed that my account is in good standing, I'm concerned that Convergent Outsourcing Inc, is trying to scam me and many others.

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 2022-01-29
Company: Radius Global Solutions LLC
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
numerous calls daily every few hours. when the phone is answered, there is nobody on the line. this happens many times a day. 

I didn't know what why the harassment was about until I received a false, deceptive and misleading debt collection attempting to convince me that I owed a debt to another? collection agency 10 years ago! what???

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 2022-08-17
Company: EQUIFAX, INC.
State: NJ
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 sent a dispute letter in XXXX to remove inaccurate information from my credit report and it is XXXXand this account is still reporting on my credit report and i have not heard back from them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
Dates : from XX/XX/XXXX to now Amounts : the upgrade offer, spending XXXX then give me XXXX. So the amount should be XXXX. 
Company : American Express Actions : 1. Owe my upgrade bonus for a very long time 2. With irresponsible attitude when dealing with things : 1 ) different words with my upgrade offer 2 ) different words with my qualified spending 3 ) wrong actions and answers with my questions 4 ) had impatient attitude sometime

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-16
Company: CITIBANK, N.A.
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XXXX and XXXX of XXXX, unauthorized charges appeared on my Citi COSTCO Visa card. The description of these unauthorized charges always begins with XXXX. I am a XXXX user, but have never set up a XXXX XXXX account. Citi said they could not identify the source of the charges, but credited my account for some of them and issued me a new card. 

There were no unrecognized charges on the new card until starting XX/XX/XXXX when a monthly recurring charge started appearing with the description XXXX *XXXX XXXX CA. Citi again issued a new card, credited some of the charges, but said they could not identify the source of the charges. I also filed a report with XXXX ; they acknowledged that I didn't have the credit card number on file in my XXXX account, but they said they could find no evidence of fraud. 

In the last two months, I've twice requested a replacement card on my own ; most recently was on XX/XX/XXXX after a couple beginning of the month recurring charges had processed. There was no XXXX *XXXX charge on XX/XX/XXXX. However, on XX/XX/XXXX I received a notice that my monthly XXXX subscription charge did not go through and I updated my XXXX account billing information to the new credit card. While online, I also updated my XXXX donation account and my XXXX software subscription to the new credit card. Also on XX/XX/XXXX, I picked up a XXXX prescription and had them update my auto-pay to the new credit card. Then, on XX/XX/XXXX, an unrecognized charge cleared with the description XXXX XXXX XXXX. 

I've attached a complete listing of the unrecognized XXXX charges and the credits Citi has provided.

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 2020-05-16
Company: Revolut Technologies Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I have an account at Revolut /XXXX XXXX XXXX   and I had my sba loan get deposited there on XX/XX/20 of XXXX $ and that locked my account I can not get ahold of support and I am unable to access my funds. there is no way to call or email any one to resolve why I'm locked out of my account and can not access my money.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was denied for a credit card from XXXX XXXX  ( I've also received the same information from the Social Security Administration when trying to set up an online account. According to the SSA they use Experian to verify identity when someone is trying to set up a new account ) and only reason stated on the letter of denial was that Experian had and alert on my credit report file instructing lenders to contact me prior to extending credit. I followed up with Experian which is very difficult to do since they make it as hard as possible to get to live person. Once you reach a live person they are in the wrong department to help and they disconnect you when transferring to the correct department.

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 2022-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have been disputing these student loan errors for several months now. I was denied a home loan because of the way they're reporting. Some are stating their closed but 120 days late, or charged off and late. They have been paid for the past XXXX yrs. I'm a XXXX XXXX XXXX veteran and had them all forgiven. I had to use a sub-prime lender to get my home finished and had to pay 5.5 %!! It's hurting me financially, I'm trying to refinance with my VA loan but this is still reporting errors and I've called and written letters to no avail.

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 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The companies that report to my credit account has tremendous stress in my life! Its causing me some serious damage to my well being! My finances and XXXX XXXX are in shambles because of this! They broke the law when they reported the amounts without notifying me first of any sort and as a result Im unable to purchase anything because of these reports! 
All documents where sent XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Bank has placed HSBC XXXX account a freeze and is requiring customer to visit a branch. The account is an HSBC XXXX account opened online and the customer has never been to a branch. 

The closest bank branch is over 300 miles away from the customer 's residence and the customer is unwilling to travel 300 miles to present his ID at a bank that opened multiple accounts for him online.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I received my Home Depot statement dated XX/XX/XXXX. I noticed 8 unpaid invoices in total amount of {$230.00}. I also noticed 2 unapplied payments dated XX/XX/XXXX in total amount of {$300.00}. My account activity page shows {$130.00} past due for 60-89 days. I called customer service on XXXX, XX/XX/XXXX and XX/XX/XXXX to resolve issue. I was not even listened to. I was told that Home Depot did NOT know how to apply my payments, therefore I am late. This is unacceptable. I paid MORE than the total amount due. Received 2 late payment fees and was reported 60 and 90 days late to credit reporting bureaus. Standard accounting procedures dictate that the oldest invoice/charge be credited when payment is applied. Only Home Depot DOES NOT FOLLOW this procedure. I was told I need to sign a form allowing them to make this change for me. XXXX and XXXX DO NOT APPLY payments this way

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 2020-01-09
Company: D.B.F. COLLECTION CORP.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  membership canceled due to breach of contract. All supporting documents sent to attorney representing XXXX. Collection agency deleted first dispute, and resubmitted another dispute for the same issue/amount. Dispute currently under investigation by XXXX, XXXX. My credit was in good standing for 20 years until DBF Collection agency dispute. I have recently been denied credit which otherwise would have been approved.

Company response to consumer: Untimely response
Consumer complaint received 2016-05-03
Company: Receivables Management Partners, LLC
State: OK
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I negotiated down a debt with the original creditor that I owed from XXXX separate dates of service, The creditor agreed to accept a total of {$620.00} to clear entire account/ both dates of service. The creditor sent the payment to IMC Credit Services along with the statement " account paid in full '' ; however IMC Credit Services only applied the payment to XXXX account. I have sent them proof along with forwarded emails from creditor and they still have not removed this from my credit report after 27 days after proof sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: First Data Corporation
State: ID
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I wanted to pay my XXXX XXXX online and I entered my bank info, and received a message that Telecheck could not process my payment I called the number for Telecheck and there is no option or agent to talk to so I can find out why my bank account info will not go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and did not make the charge

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 2022-01-29
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX my account was charged {$400.00} as a XXXX XXXX XXXX transaction that wasnt me. I called the bank and they said it has to post so i waited. i checked later that night and it was reversed so my balance was back to normal. Then on the XXXX they tried another {$400.00} transaction with the same name and it went through. So now my account is overdrawn {$400.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-06
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I started off with XXXX XXXX, then they sold my loan to Indymac, then they sold my loan to Ocwen, and ever since ocwen took over every year I have to pay them more money as they are always short on my escrow. So I pay the shortage, this year I received a check for escrow overage and then no more of me cashing the check I get a nitice that they are short on escrow again and I have to pay it back, also I have been out on work comp. for almost the last 5 yrs. so the last 2 years I have applied for a loan modification and been turned down, I am at a 7.125 % interest rate so they just keep telling me to put my house up for quick sale. So what can I do??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This complaint is in regards to the XXXX XXXX XXXX Account number XXXX opened on XX/XX/XXXX is factually incorrect. The vehicle regarding this loan was repossessed XXXX of XXXX and resold at an auction leaving a deficiency balance. The account that you are reporting is identified as a repossession. yet you continue to report late payments. Since the vehicle is no longer in my possession, it would be impossible for me to default on payments after the fact. I have the right to an accurate credit file. And discrepancies like this are unacceptable. So please immediately remove this account from my credit file. 
According to the rules and guidelines of the FCRA, monthly should not exist after a repossession has occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Accelerated Portfolio, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a collection on a debt from Accelerated Portfolio Inc for a debt they said I owed. I disputed the debt with the debt collector asking for additional information confirming it was my debt. I dont recall hearing back from that debt collector. Months hater I receive a letter from another debt collector for the same debt but this debt collector added the debt to my credit report without allowing me to dispute with them. They are saying they are collecting a debt I owe to Accelerated Portfolio Inc. I dont have a debt with Accelerated Portfolio Inc and this shouldve never been added to my credit report as a collection without allowing me to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen purchased my loan from indymac and they miscalculate the escrow account so they sent me a letter in XXXX 2015 with the new payment with all escrow shortage corrected. I talked to them and they stated that now on everything will be the same. 
Payment went from XXXX to XXXX. 
now in XXXX 2015 they send me a new later increasing my payments to {$3900.00} because now the want a " cushion '' for emergencies. I think this is a scam. I cant make that payment. 
my rate is fixed. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A collection agency, Harris & Harris ( XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, Illinois XXXX, XXXX XXXX XXXX ), contacted me about a debt from XXXX University XXXX XXXX XXXX XXXXXXXX, Illinois. The amount claimed was likely the overage of charges that XXXX does not pay. I did not receive specific itemization of the charges. Harris & Harris called me repeatedly on my home phone. They later sent me an offer of settlement in the mail. They asked for a payment of {$250.00} in settlement of the total they were seeking of {$380.00}. I was able to pay the settlement amount of {$250.00} and paid it online last month. 

They are now billing me for the amount that they had offered to forgive in the settlement. They are billing me for {$130.00}. What's worse is that the hospital system ( XXXX University ) claims that I owe them {$130.00}. 

Harris & Harris offered a settlement through the mail offer that I agreed to, and now claim no settlement was made ; as they and XXXX do not recognize a settlement for less than was originally owed..

Company response to consumer: Closed with explanation