BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I reached out to CapitalOne last week to see why they haven't reported an account that I'm a co-owner/ authorized manager of. When I called them and opted in they told me I have two accounts with them. I informed them that the only account that I had was a shared account with my husband. The lady I spoke with tried to verify the information with me and asked me my email address. When I gave her mine she told me the the email address attached to this account and other information was different and was something I NEVER heard of. From there she prompted me to talk to the Fraud department which I did and they said they would investigate it. However, after being informed of this fraudulent account, Capital One Claims, they conducted a full research and found no fraud in under 7 days time. They also gave me a " case number '' XXXX. However this is clearly another case of Identity Theft. They have NOT sent me any information to me regarding this account even after I requested. However from calling the XXXX number I find out they have sold this Fraudulent account to XXXX XXXX  while it was still in dispute status. I am documenting this complaint as a record both to Capital One Bank and XXXX XXXX that they are trying to collect on an account that is COMPLETLY FRAUDULENT. I notified authorities on XX/XX/2021 that I was a Victim of Identity theft and since then have frozen my credit and enrolled identity theft precautions with each bureau. I have also submitted this to the FTC and refuse to be charged for goods and services I've never requested nor benefited from. The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. As of right now neither Capital One nor XXXX have sent me any information regarding this Fraud account. The FCRA has rules regarding identity theft and Both companies are operating against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Each month I pay extra principle money towards my mortgage in an attempt to pay it off sooner. Well Fargo is continuing to apply my extra principle payment to future months, instead of towards principle. Clearly this benefits Wells Fargo as it hampers my attempt to pay extra towards current principle. 

I have other mortgages with other banks, and they do not do this. To me, this seems like a shady practice by Wells Fargo, as it hampers my attempt to pay extra towards current principle. 

I have had contacted Wells Fargo multiple times on this, and demanded that the default option for excess funds should be to reduce principle. I should not have to call in every month to get this taken care of, since Wells Fargo is choosing the option that benefits their bottom line.

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 2017-05-25
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently pulled my credit reports and found a collection account with Convergent with a balance of {$400.00}. I am not responsible for this debt. I have n't signed a contract with this company and I have no record of any such debt prior to receiving my credit report.

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 2020-03-20
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My credit limits have been reduced with a couple of cards through Synchrony Bank. The first card was with Sam 's Club Mastercard. They did not provide notice regarding this issue. I called on XX/XX/XXXX to discuss the concern and they stated I would need to speak with XXXX. However, I received a notice the following week regarding the issue ( Please see attachment ). I spoke with XXXX and they stated that Sams Club is the creditor that reported the negative items on the report after lowering my limit. According to XXXX, there are no late payments, bankruptcies, or collections on my report. All payments have been made on time. I spoke with Sam 's Club and Lowes Credit and they stated that they can do what they want to do with your credit limit. I believe this very unfair and no reason to reduce limit especially when I have made my payments on time. Synchrony bank has damaged my credit by lowering my limit and has responded in a negative way. I have not received the letter from Lowes as of yet. They stated that it was mailed.

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 2015-05-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Portfolio recovery has contacted me several times a day on phone lines I 've told them there is no permission to contact me on for months. Each time I 've told them to submit everything in writing so i can verify who they are and possibly dispute the debt and each time in told they do n't need to. I 've told them to stop calling and I 'll receive another call right after on another line. There was a time they called every hour..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: AR
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:
Incorrect/ Wrong Name, Address, and Work History Personal Information NAMES REPORTED XXXX XXXX XXXX INFO XXXX XXXX ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2017-05-25
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ocwen Loan Services h as deducted numerous egregious charges from the escrow account without any burden of proof that a real expense occurred. Items such as property inspection fees etc. I have requested Ocwen numerous times to show me that an actual expense occurred and to provide the pictures of the said home inspection or a receipt of an invoice that was submitted from the inspector. They keep sending me the mortgage statements that show deductions but do not provide the proof of expense. The law firm handling the foreclosure case did have the case on hold but now have opted to proceed to foreclosure without resolving this issue. The law firm has also tacked on multiple duplicated fees that have increased the rear amounts owed to an unfeasible amount of money. Ocwen continues to play musical chairs with assigning a different relationsh ip manager every few weeks. Each time the new manager seems to not know what has happened to date?? This certainly delays  any resolution to the issue while they feel free to continue into foreclosure. The problem with Owen started when they refused to explain the charges and I put the mortgage into escrow and did notify them of such. Ocwen has never asked to see the escrow account info or to release the funds or ever resolved the issue or granted my requests for proof of expenses. IN fact all they did was raise the mortgage to satisfy their charges.  Ocwen  also sent a reply to my request to explain the charges to the escrow account stating that my name does not match any of their records??????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 see an inquiry that I do not recognize from CAPITALONE on XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want my file to be corrected as to the letter I am attaching, there are so many errors that need to be fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: EQUIFAX, INC.
State: WI
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:
There are 3 inquiries on my Equifax report that I did not make. I contacted Equifax ( see attached ) and explained this to them and they refuse to delete this information from my file. The 3 inquiries that should be removed are : 1.  XXXX XXXX XXXX 2. Equifax XXXX 3. XXXX XXXX XXXX XXXX  XXXX I do not recognize and did not authorize these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
We settled a short sale agreement with Bank of America Home loan on both first and second mortgage and sold our home on XXXX/XXXX/XXXX through escrow and the title company wired funds to BAnk of America and paid off the XXXX loans. 
However Bank of America turned around and sold the second mortgage, which we had paid off back in XXXX to XXXX in XXXX and we got collection notice in XXXX from XXXX. We 've called and submitted closing & pay-off statement/documentation on both loans from XXXX XXXX XXXX XXXX to both financial institutions to get this resolved and filed official complaints. But we were either got ignored or told that it was not their problem. XXXX is sending us collection letters and negatively reporting us to the credit bureau on a mortgage that we paid and satisfied and it should not even be existed. 
Our credits were ruined badly and we are deeply distressed by this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with XXXX accounts and inquiries I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: Mr. Cooper Group Inc.
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Mr Cooper aka Nationstar mortgage is claiming they didnt get a payment for XX/XX/2019 which Im trying to refinance with a different company and Mr Cooper added a lender servicing fee of a mortgage payment they claim wasnt paid which I have proof they did by my bank statement and trying to double bill me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Compliant Against : New Rez LLC. d/b/a Shell Point Mortgage Servicing, XXXX. XXXX, XXXX, XXXX, SC., XXXX Fees to reinstate my loan are not accurate after loan was transferred to this company. Inflated loan reinstatement amount requested- and Denied Loan Modification for conventional loan. Email sent to companies point of contact informing him of incorrect reinstatement amount. Reinstatement amount grossly inflated. 
I am XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: PROVIDENT FUNDING ASSOCIATES
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Provident Funding purchased our mortgage from another financial institution in XXXX XXXX. By law ( Section 6 of the Real Estate Settlement Procedures Act ), they are barred from charging a late fee for the first sixty days following the effective date of this transfer. Still, I attempted to setup automatic payments via Provident Funding 's website so that they would be paid in a timely fashion starting in XX/XX/XXXX  Apparently there was an error in the information I entered ( which their website did nothing to highlight ).
Instead, they just charged me a {$20.00} " Returned - NSF - Unable to locate account '' fee when they were not able to complete with automatic debit from my bank account. I subsequently opened a customer service case with Provident Funding, asking that the fee be waived. They declined, saying " Due to the high level of scrutiny banks and lenders face, we are left with no latitude to make exceptions and we want to ensure we have a fair application of policy relating to waiving of returned payment fees. '' I rejected their resolution and reopened the support case, noting that it was ridiculous that they would not have charged me if I had done absolutely nothing and made no attempt to pay them ( but did charge me a fee because I did and there was some issue with the info that I entered in their website -- even though their system had no features to try to note that before charging me a fee ). They then closed the support case a second time, saying again that they " can not make any exceptions to our policy of the {$20.00} returned payment fee. '' Obviously, a {$20.00} fee is n't a whole lot compared to a monthly mortgage payment. However, I am severely disappointed to be stuck having my mortgage owned by a company that does not agree that it is ridiculous to penalize a customer for trying to pay them, when they would not have penalized them for making no such attempt. 

Since they purchased my existing mortgage, I had no choice in being a Provident Funding customer. For others that do have a choice, I strongly suggest that you take your business elsewhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The following accounts are fraudulent and must be removed! 

XXXX XXXX XXXX XXXX False Balance {$2200.00} Date XX/XX/XXXX XXXX XXXX XXXX False Balance {$950.00} Date XX/XX/XXXX XXXX XXXX XXXX False Balance {$0.00} Date XX/XX/XXXX XXXX   XXXX  XXXX False Balance {$57000.00} Date XX/XX/XXXX XXXX False Balance {$160.00} Date XX/XX/XXXX XXXX XXXX False Balance

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 2020-03-20
Company: ONEMAIN FINANCE CORPORATION
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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:
Please be advised that all information must be 100 percent accurate be at advises MInnesota attorney General office will he notify about you reporting as early as Monday morning thank you for your full Cooperation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-20
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Loan Modification Application was sent via email ( XXXXXXXXXXXX ) to Ocwen on XX/XX/XXXX. Additional documents were requested on XX/XX/XXXX by the plaintiffs attorney XXXX , the request was based on the borrower seasonal income period worked, that request was responded to and the question addressed via a letter of explanation XX/XX/XXXX. On XX/XX/XXXX updated documents were sent for the continuation of the modification review. Once again another request was sent regarding the borrowers seasonal employment, a letter of explanation was sent and also proof ( class schedule ) start and end time of the seasonal employment. Due to the delay in review, Ocwen then requested updated documentation for the co-borrower, this request was adhered too, however the delay in review and the sporadic erroneous request kept on for almost two months. With the most recent being XX/XX/XXXX, where the servicer has revisited and requested additional information on paystubs that were submitted since XX/XX/XXXX. 
The requests are unnecessary and a delayed tactic that the servicer is engaging all requests were responded to and all questions addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen changed the status of my loan without my knowledge or permission. They started charging me an escrow account and reporting my account late even though I never paid late. Their customer service department can not answer any questions when I call. I ca n't have this impacting my credit score as I am trying to purchase a new home. This company gives no written communication about anything and can not offer help when called.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
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: Public record information inaccurate

Complaint:
I need to know by which methods they used to verify that that was my bankruptcy? If they used a 3rd party to " verify '' the erroneous bankruptcy, which 3rd party company was it i.e. XXXX. 

If they used XXXX, as the lettet from XXXX stated, " They couldn't very that the bankruptcy belonged to me, so we removed it '' Also the credit bureaus saying " We verified it was your bankruptcy ... because we said so '', isn't proof. 

Until the 3 credit bureaus provide attachments in response of either a certified letter from the bankruptcy clerk or a letter from a 3rd party i.e. XXXX, then you have no credibility. 

I provided my proof via XXXX attachment to the complaint, where is your attachment credit bureau? 

The only way for this credit bureau to be lawful, CFPB, is to threaten them with fines! 

The fact that despite XXXX removed the bankruptcy because they could verify beyond the shadow of doubt, and the credit bureaus still refuse to do so, is because they do not care about the integrity and accuracy of my credit report, and they also do so because they make a profit over my erroneously low credit score!

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 2021-04-21
Company: LoanSnap, Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Went online to look for best rate available they advertised a 30 year fixed rate on lending tree at 1.99 % APR. XXXX XXXX app took me over to LOANSNAP to apply for the loan. I wanted a lower rate and I wanted to remove my PMI form my loan. I have excellent credit and I have very good income. I am in the mortgage business. 

What they are doing is a classic bait and switch. 

I spoke with XXXX at LOAN snap by TXT  and he went on to advise me that they do not update their rates at Loan snap on the l XXXX XXXX  porthole for months and that that rate is not available to anyone. To be able to speak with a loan officer h you have to upload your w2 's paystubs, mortgage statements, and insurance information. Last txt I received was that they didn't have any programs that would provide a tangible benefit for me. 

Twice in the txt I had with them they say their rates they advertise are not current and not currently available. 

They completely wasted my time and they do not have the products they are advertising.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: Caliber Home Loans, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I just received notice from the IRS that in 2014 a company I do not owe money to filed XXXX stating that they canceled a debt. I never received a copy of the XXXX to dispute at that time. I never had any kind of debt with this company and do n't understand how they can state a debt was canceled when I never owed them money to begin with. Now IRS is charging me additional taxes, interest, and penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient illegally placed a returned payment towards my student loan account stating that there was insufficient funds in my checking account on XXXX XXXX, 2015. After contacting my bank, my financial institution verified that there was no XXXX transaction placed in the amount of {$250.00} towards my checking account from Navient. And now, I am receiving harassing calls stating that I have not made a valid payment towrd my student loan account. In which the the payment was made on XXXX XXXX, 2015, via the Navient online payment site.

Company response to consumer: Closed with explanation