BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I do banking with Capital One through the banks mobile app. I have a payment due on the XXXX of each month and I schedule the payment through the app. On XXXX XXXX, 2020 I received a notice to update the app and I had problems updating the app. I called the bank to ensure the payment was scheduled to be processed. I was assured the the representative that it was scheduled. Three days later I received a notice from the bank that I was late. I called the bank and was told they did not see where it was scheduled. I talked to several supervisors with no resolution. I made the payment again. I received another email stating that my credit card purchases may be declined. The next day I received an email from the bank saying they researched the issue further and discovered the problem was their fault. I went to a local branch to payoff the card and close all my accounts. A lady at the bank called the credit card department to get the {$25.00} late fee returned. The supervisor in the credit card department refused to issue the credit and mislead me twice and two women at the bank branch heard the supervisor mislead me. I still have not received the credit. I feel sure the bank will use this false late payment to raise my interest rate and post the late payment to my credit report. Attached is the letter from the bank admitting the bank caused the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-11
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
RE : Wells Fargo Home Loans XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX NJ XXXX Loan # XXXX TO WHOM IT MAY CONCERN : This serves as a Notice of Error as enacted by Consumer Financial Protection Bureau effective XX/XX/XXXX. 
We applied for a modification with our Servicer, Wells Fargo XX/XX/XXXX. We worked with a certified HUD Housing Counselor named XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NJ. We worked with XXXX XXXX to provide Wells Fargo with a hardship letter, and all our documents that provide evidence we have the income to support modification mortgage payments. 
Despite our eligibility for a modification, Wells Fargo denied our loan modification request. Wells Fargo sent us a letter, dated XX/XX/XXXX, that stated we were denied, but they failed to provide a reason for the denial, as specified in the CFPB Modification Rules : 1. ) Denial of a loan modification option : A servicer that denies a borrower for any loan modification option must provide a written notice to a borrower stating the basis for the servicer 's denial. 
2. ) Net Present Value ( NPV ) Test : If an NPV test is the basis for a denial, a servicer must provide the borrower the inputs used in the NPV test. 
3. ) Investor Requirements : If an investor requirement is the basis for a denial, a servicer must describe the investor requirements ( simply stating that an investor requirement exists is insufficient ). 
4. ) Waterfalls : Servicers may follow investor " waterfalls '' to determine eligibility for particular loss mitigation options but must explain the existence of the waterfall as the basis for the denial of any loan modification option. 
We filed an appeal within the 30 days which was prepared and submitted by XXXX XXXX to Wells Fargo. Wells Faro denied our appeal, and once again we did not receive a detailed reason for the denial, pursuant to the CFPB regulations. 
We are disappointed that Wells Fargo continues to violate the CFPB Servicer Modification Rules. 
This is our family home and we have the income to support reduced mortgage payments. Please provide us with the level of detail required pursuant to the Rules so that we can address any perceived deficiencies. 
Thank you. 
Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
While checking my credit report I noticed XXXX medical collections. I disputed these debts reported by XXXX for 1.XXXX 2.HEALTHCARE COLL I LLC. I never received any information about these alleged debts and despite disputing them with the credit reporting agencies they did not verify the accounts however they still remain on my credit report. I never received any notices to dispute by the collection agency.

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 2020-01-13
Company: SECURITY CREDIT SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
" Security Credit Systems " has harrassed me for several months seking to collect a debt from a third party. they have ben told repeatedly i am not the debtor, nor will i give them any information on a third party. they have been asked by me to stop calling 5 times.they call from this number XXXX XXXX XXXX most recently XX/XX/XXXX at XXXX XXXX  and then again on XX/XX/XXXX XXXX XXXX  on my cell phone. ( XXXX XXXX XXXX ) they have also called y wif'es phone each time they have tried mine, she is not the debtor, either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I made a credit card payment on XXXX XXXX, 2017 to my Regions Bank Credit card. The payment is being held indefinitely, and no one at Regions can give me a clear answer as to why and how long the hold will last. The account is about 3 months old, and I have never had a payment returned. Moreover, the payment was for {$5000.00} and the total credit line available is {$15000.00}. So, I do n't understand why the entire account is unusable while the payment is on hold. Obviously, the payment cleared from the XXXX XXXX XXXX account a long while back.

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 2020-01-13
Company: EQUIFAX, INC.
State: CT
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 understanding is that the XXXX  error reporting delinquencies has been corrected. My credit score still hasn't moved. Also, there is still a note that lender closed the account. The account was closed because of the bank error. I would like that note removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Experian Information Solutions Inc.
State: LA
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 some errors on my credit report that I already tried to fix. I sent letters to all 3 credit bureaus in XX/XX/2019 regarding several accounts that should not be on my report. I sent the letters certified mail and received the confirmation receipts. It has been over 90 days and I have not seen any changes on my report despite the fact that I followed the exact instructions on the FTC website. 

Attached you will find the exact letters I sent to the credit bureaus which include all the accounts I am disputing. I have not use my credit in the past 7 years so there should not be any accounts on my report that is negative.

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 2017-07-20
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX Virginia is stating that I owe them {$540.00} concerning a set top box and a remote control that was not returned. I physically return both units to the XXXX location in XXXX, Virginia. This debt has been re-aged and documentation dated back that far is not available. I would like this item to be removed and deleted from all three credit-reporting bureaus. On XXXX XXXX, 2017, a credit alert was forwarded to my credit monitoring account stating the following : Your FICO Score has decreased by 31 points. XXXX XXXX has flagged your account as Collections. Accounts in Collections are accounts that are seriously overdue and have been turned over to a collection agency. These type of accounts may negatively impact your Credit Scores.
The following account was removed from my credit report previously, but has reappeared after it`s been sold to another collection company. This activity has affected my credit score by a decrease of 31 points, while I`m currently in the process of obtaining a mortgage.
I would like this item remove from all 3 credit-reporting bureaus and my credit score restored to my previous score. A thirty one point drop is very excessive for one collection account. Thanks for your time, support and understanding XXXX XXXX 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 2020-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
To Whom It May Concern, Sir I am just writing you this letter letting you know how I feel this is not to trash any body but at the same time I don't to be unfairly treated either now when you purchase a product on the internet the vendor give you a 100 % money back guarantee with 14 days to 30 days for a refund for whatever reason if you don't like the product, And this is what I am complaining about also when you make a one time payment on a product you are entitled to that product for life meaning you should have access to that product Now in the case of XXXX  the two products that I bought one for {$490.00} and {$290.00} after a few  months they cut of access I have emails proof that I did tell them and I find that multiple times that I don't have access they keep saying that I do but when I check it is nothing that is why I went Capital one because I don't have the product and I don't have the money and all I wanted was access because I new that the 30 days had already past so if I don't have access GIVE ME BACK MY MONEY also XXXX XXXX was 14 days money back guarantee I should have gotten that refund but every time that I call or get a letter from them it is always the same thing also with the {$390.00} also they both were within the time frame for a refund but they would ask you did you cancel SIR ONCE YOU ASK FOR A REFUND THAT IS A CANCEL because it is a one time payment, if how ever you have a recurring payment THEN AND ONLY THEN YOU CANCEL but Capital one keep asking for proof of cancellation and also bring in a second opinion I did but they rejected it they wanted it with a letter head when I did get a letter with a letter head they said that the time has pass and there can not do nothing for it Sir my point is I BOUGHT THESE PRODUCT WITH A 100 % money back Guarantee and I was within the time period why did Capital One make me LOSS all my money on CRAP when the Vendor Had A 100 % Money back GUARANTEE if you the Customer Did not like the produce for any reason SIR I WOULD LIKE TO KNOW MY RIGHT ON THIS Because Capital One Is Making The 100 % money back Guarantee None and Void THIS IS MY COMPLAIN BY right I should have gotten back my money because I file before the expiration date that should be a simple thing I WANT MY MONEY BACK CAPITAL ONE IS GIVING VENDORS MY MONEY AND THEN I STILL HAVE TO PAY THEM BACK IS THAT FAIR I HAVE A LEGAL RIGHT TO A REFUND

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My lender BofA put a force placed insurance policy on my house at XXXX times the market cost of the actual policy. During that time all my payments were made electronically each month and I was never late prior to them adding about {$1500.00} per month to my bill to cover their profits from insurance company they owned. Furthermore they kept my payments in a suspense account and eventually returned via cashiers check instead of applying funds to XXXX missed payment. Following that time they tried to entice me to move by offering me {$.00} then a deed in lieu ( which I never applied for but was turned down ) and finally the year long modification process. During that time I met with a real person at BofA who told me if I hired an attorney I would NOT get a modification and that I should NOT replace lender placed insurance until after the modification ... even though it would save over {$700.00} per month. Although I know I qualified for DOJ mod, I was continually denied. Furthermore by not applying funds to XXXX and XXXX missed payments i believe they violated fair credit reporting. I am currently facing foreclosure for an escrow shortage because of force placed insurance!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a secured XXXX XXXX Credit Card with a credit line of {$200.00} for several years. Recently XXXX XXXX issued me a XXXX XXXX XXXX XXXX unsecured card with a credit line of {$500.00}. Since I received the unsecured card, I did n't think it was necessary for me XXXX have XXXX cards with the same company so I contacted XXXX XXXX to request them to close the secured account. The account was paid in full and they are sending me the balance that was left in the savings account that secured the original card. Immediately after I closed the secured account, my credit score dropped tremendously which I think is totally unfair. I am in the process of trying to qualify for a home loan and my credit score has been negatively impacted because I paid off an account and closed it to avoid having duplicate accounts with the same company. This practice seems totally unfair and consumers should not be penalized for choosing to pay off and close accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I filed a complaint to the CFPB regarding Chase Bank. I assumed the issue from XXXX was resolved but it is not. I filed Chapter XXXX Bankruptcy on XX/XX/XXXX and it was discharged successfully on XX/XX/XXXX. Back in XXXX I had an XX/XX/XXXX loan with XXXX XXXX  who then sold the loan to EMC/Chase. Chase Bank has owned my mortgage for many years and in the Chapter XXXX Bankruptcy my second mortgage the was supposed to be dropped but unfortunately it has not. 

In XXXX Chase Bank put me in a 20 year 3.5 % balloon payment loan when we settled out of court back in XXXX to get me out of the terrible negative amortization loan I was once in. I knew that the 3.5 % interest balloon payment loan is not something I want to be in long term so I applied to refinance my loan into a 30 year fixed principle and interest and also use a Home Equity Line of Credit from the appraised value of my home. My Credit Score is a XXXX, I work as a XXXX/XXXX and everything I applied for was in my favor until the underwriters found out that Chase bank has never released the deed of trust of my second mortgage of {$57000.00} to XXXX County which should have been dropped at discharge of my chapter XXXX bankruptcy in XX/XX/XXXX. Therefore, Chase Bank has figured out another way to hinder my lifestyle and financial opportunities by not doing what they were obligated to in my Ch. XXXX Bankruptcy. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: CURO Intermediate Holdings
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: Information belongs to someone else

Complaint:
I'm getting several loan and credit card statements saying I've opened all these accounts and it's not me. 
XXXX XXXX XXXX Application # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX- date XXXX - {$200.00} approved XXXX XXXX XXXX- XXXX account XXXX ending XXXX and XXXX XXXX XXXX Ad Astra Recovery ServicesXXXX Inc.- XXXX XXXX XXXX XX/XX/XXXX, XXXX $ XXXX Approved XXXX XXXX XXXX- Account number XXXX $ XXXX approved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I mobile deposited a check to my business account with Bank of America from someone I was doing business with ( XXXX XXXX XXXX ) on XX/XX/XXXX per our contract and agreement. Suddenly, on XX/XX/XXXX Bank of America withdrew those funds from this check/account and said it was a duplicate. I called Bank of America XXXX times to ask how it was a duplicate when I only had one deposit of this check showing on my ledger. I was given various answers but the funds were never credited back to my account. Finally, a representative of Bank of America told me that XXXX XXXX stole this expired check from me and deposited this check into his account, and thats why Bank of America mistakenly withdrew these funds from my account. However, they refuse to correct this mistake and tell me, ironically, that they cant just withdraw the funds from his account. I have reported XXXX XXXX to the authorities, but Bank of America refuses to correct their mistake of depositing an expired check into the wrong persons account. To add to this entire situation, the check has clearly written on it, the originators business name XXXX XXXX XXXX XXXX ) and my business name, XXXX XXXX XXXX XXXX ) & the funds, again, were deposited into my business account on XX/XX/XXXX. I have the images of the stolen check from Bank of America and I have a police report number as well. Below, I just wanted to list some of the false information I was provided by various BOA representatives. 

1. Im putting in a dispute and this should be fixed. ( This never happened ) 2. We dont know why there is a duplicate showing. ( When they knew all along and refused to tell me. ) 3. The funds were sent back to the originators account when their bank requested and we dont require any verification to do that. ( I have a bank statement from the owner of XXXX XXXX XXXX XXXX XXXX. & he never received those funds back into his account. They are still currently in XXXX account. Who is a thief or an associate of the thief. ) 4. We cant just take the funds out of this persons account ( when clearly they can because they removed them from my account )

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 2020-05-04
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:
Several years ago I was a victim of identity theft. Numerous accounts were opened in my name, as well as attempts being made to apply for credit. Upon becoming aware of the situation, I reached out to all credit bureaus and alerted them of the situation. All fraudulent accounts were removed after my identity being stolen was validated but the credit bureau has refused, and not given an explanation, as to why my inquiries have not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: WESTERN UNION COMPANY, THE
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
I am trying to get a refund for a western union check that was stolen. ( XXXX ) I sent in a police report and a XXXX check for it to be researched. They tell me I am unable to get my monies back. I made a complaint to the ceo office ( XXXX ) I have heard nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 right to privacy. 
XXXX ) Account name : XXXX # XXXX XXXX ) Account name : XXXX XXXX # XXXX XXXX ) Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX  # XXXX XXXX ) Account name : XXXX XXXX XXXX XXXX  # XXXX XXXX 
15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. Section 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

Company response to consumer: Closed with explanation