BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Should be able to close a deposit checking account online. They read the legal disclosure orally for reopening if provisional credit for error resolutions. This can be added to the online system in writing and the reason for closing the account. Having to wait through the phone cue to get a customer service representative annoying with COVID-19 when this is a company heavily involving with technology.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wrong Action by Company : Nationstar d/b/a DR COOPER Property located : XXXX XXXX GA Put Consumer in Paperless - Knowingly Consumer Did not had an Online Account. 
For Bad Intentions and to blind fold Consumer as Dr Cooper : Increase payment by adding an unauthorized Escrow & Unnecessary. As Consumer Pays Insurance and taxes outside of mortgage-written proof for many years Monthly Payment of {$460.00} P & I only. Statements available from XX/XX/XXXX to XX/XX/XXXX Dr. Cooper added a `` county tax payment of {$15.00} '' on XX/XX/XXXX and Opened Escrow : increase Payment to {$750.00} then XXXX escrow ; then lowered to {$660.00} XXXX & I + with escrow.

My payments of {$460.00} they received monthly, 1st : placed unapplied then credit as " Adj - forbearance '' I never applied for any forbearance I only paid {$460.00} P+I never late. 
Mr Cooper sent my File to forclosure for a Balance of {$4100.00} including {$1300.00} inspections + legal fees- they did not allowed me to make payment I signed on only and found this bad action b our Lender...

Needed to publish -complaint so other Consumer don't go through this horrible situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I filed complaint ( XXXX and XXXX ), I received response from XXXX XXXX XXXX, Office of the president, Card services, XXXX XXXX is not capable and understand the case neither the knowledge about what is steampod is, XXXX XXXX is hair straightener that it comes with water tank with base and comb with straightener itself they ARE NOT ACCESSORIES that you mentioned I did purchased it fromXXXX, they should came with unit and further more when logged in to XXXX is not included in their product lists, when I purchased it I XXXX the Steampod andfound few, the cheapest was from XXXX and in the description DID NOT INDICATEDTHAT IS USES XXXX PLUG neither the THE XXXX knew it going to U.S.A and warningU.S A 's buyer that is uses different power source ( XXXX volt ) and not shipped the unitwith missing parts and further more THE XXXX knew the XXXX rules that we will be stockwith unit and can not ship it back due to cost that IS FRUAD the intention to deceiveand causing financial injury is FRAUD, your department has to protect their client from such as this predators, US Bank must make sure that The XXXXresponsible for gettingdefective unit back and provide the shipping cost for their unit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: CONTRACT RESOLVE GROUP LLC
State: TX
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:
Debt collector made several calls to work associates and in-laws describing debt in detail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: BMW Financial Services NA, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have been left as a victim of identity theft. Someone has been using my ID/Social/Drivers license to take out loans and credit cards. I have been trying desperately to let these companies know about my situation but there is XXXX company that refuses to take any of my claims seriously. I was traveling around the world as a drummer for my band for a little over a year. Someone that looks like me was using my identity and my home to commit fraud. Alphera Financial Services was XXXX targeted lender. They granted this thief an auto loan in my name and refuse to send me any proof of their investigation. They do not accept my calls since I ask I record them as well as I will not speak to them on a recorded line if they can not grant me the same privilege. They will not send me proof through mail. I can not get this company to mail me proof or speak to me. This company MUST adhere to FCRA and send me the proof I am requesting!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
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: Investigation took more than 30 days

Complaint:
I have called in several times to XXXX and they have NOT received this information I 'm exhausted and really want to get this matter settled. The collection agency sent this information tot them back in XXXX of 2017

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 2022-10-17
Company: EdFinancial Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I originally requested a refund from EdFinancial for my XXXX loan on XX/XX/2022. I was originally told it would take 4-6 to receive my refund. I called again, twice, on XX/XX/2022 and was told to wait until 6 weeks. It's been 7 weeks now, so I called again today on XX/XX/2022. Now, I was told it will take 60-90 days, and that my request has not even been processed. However, if they take that long to refund me, then it will put me in a situation where I will have to start paying interest on my loans while waiting for my loan forgiveness, despite having already paid them off in full. 

They also can not provide me any information about my request details because it has not been processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Amsher collection service account is on my credit report and it has not properly validated the debt according to the FDCPA. I contacted the original creditor XXXX XXXX  they agreed to remove the account but said it was owned by XXXX. 

Both Amsher and XXXX collection agencies are trying to collect on the same debt. I would like Amsher collection to be deleted from all three of my credit reports immediately for violating my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: CITIBANK, N.A.
State: AR
Product: Credit card
Issue: Other

Complaint:
ATT universal card through Citi, XXXX XXXX, 2015 some with XXXX, Account Manager in the Maryland office, XXXX. She was to provide my account number via email within 24-48 hours, XXXX told me she did not have a telephone extension tgat if I called back they would send her a message to reach her. XXXX XXXX, 2015 I had not received the information. I called back spoke with XXXX, XXXX, she said XXXX was in and that she reached out to XXXX. XXXX stated that XXXX was assisting another customer and would call me. I provided my telephone number XXXX times to XXXX. XXXX XXXX information still not received and XXXX did not call me back. I called again spoke with XXXX, XXXX, I asked for someone above XXXX and was placed on hold. I was told that I could speak with XXXX another Account Manager. I said no that I wanted someone above XXXX 's level and I was told that is the hugest level in customer service. I told her I did not believe tgat XXXX is the highest level. I was told she is the highest level and for me to write Citi about it. 
It is eight days since XXXX told me my account number would be provided to me by email within 24-48 hours.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I graduated from XXXX XXXX XXXX in XX/XX/XXXX. I took out both federal and private loans in order to finance my XXXX. I had a series of unfortunate life circumstances occur : i ) I was diagnosed with XXXX ii ) my apartment in XXXX was completely destroyed in a gas fire on XX/XX/XXXX ( two people XXXX  and three buildings were destroyed due to gross negligence of my landlord, a contractor, XXXX XXXX, and the City of NY ). I also lost my job between these two events. I reached out to Navient ( then XXXX XXXX ) looking for options and they immediately pointed me towards forbearance without any discussion of an XXXXncome Driven Repayment plan. I have been unable to pay my loans and do not believe they have been acting ethically with they way they have treated my loans and have I also don't trust their accounting. They have failed to produce any detailed documentation related to loan calculations. 

I understand that the CFPB has sued Navient. I would like to be included in this suit as there is total alignment with what the CFPB claims and what happened to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Citi Bank Cards Customer Service has BLOCKED my accounts. 

Can not get any support fees, disputes, credits, and card retention. 

Six months of ZERO support. 

Elevated problem to Presidential Escalation and the managers NEVER responded back to solve numerous problems. 

XXXX XXXX XXXX, rudley hunup on me not willing to listen and resolve probelms. 

XXXX XXXX is a problem within teh XXXX chain of command with his bhostile attitude and unprofessional treatment.

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 2015-12-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This account was original being reported on my credit report as " Unknown - No information available '' and did not have a phone number or address for me to contact. I disputed with the credit agencies and they responded with a status of " Verified '' and more information regarding the address and number of the creditor. I have called the creditor since then XXXX times to verify that they debt was mine and any info they could provide regarding the debt, as I have never heard of this debt either in the form of a letter or orally. All XXXX agents at the XXXX verified that no debt in that amount or under my name existed. However they were unable to assist me in getting a letter to the credit agencies saying that no debt was listed under my name for that amount and that I should dispute the account on my report. So I again disputed the account and it came back verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: ResidentCollect, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX, an account with XXXX XXXX XXXX XXXX was placed for collection with Innovative Recovery Inc/ResidentCollect, Inc. The balance owed is {$210.00}. I disputed with XXXX XXXX XXXX XXXX regarding this matter ; I believe I do n't owe them anything. 

Innovative Recovery Inc./ResidentCollect, Inc. has reported the account as uncollected to XXXX XXXX XXXX XXXX . As a result of this reporting I have been unable to secure credit from any business and homeless for two years ( unable to rent an apartment ). XXXX has estimated that they may remove the negative data from my report XX/XX/XXXX. 

I am requesting assistance from your agency with asking XXXX to remove the negative data from its report before XX/XX/XXXX. It would be greatly appreciated if it could be removed in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Experian Information Solutions Inc.
State: NY
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:
I have 2 complaints. Today I received an updated copy of my Experian and XXXX  credit reporting. XXXX XXXX XXXX XXXX had agreed XXXX to remove the delinquent information off my credit reports. It did delete off XXXX  however it is still reporting and updated on my Experian credit report. It is showing {$6600.00} charge off loan. The bank had agreed to remove it. My next issue is XXXX  XXXX XXXX is also still reporting. This account was opened in XXXX and I was told by legal counsel that after 7 years the statue of limitations is in effect. I was also advised it is from the date of first reporting which was XXXX we are in XXXX this information is outdated and should not be appearing. For some reason they ( XXXX  XXXX XXXX ) keeps updating for other years which causes this fraud account to keep reappearing

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 2017-04-30
Company: Bread Financial Holdings, Inc.
State: OK
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 told me to sign a piece of paper, that i did not read, because it was not in laymen terms.It would have taken me hours to rea d it.She to ld me it was to be used to ONLY check my credit report in case i needed a loan..I found out later it was for a credit card, that if i knew, would have never gotten it.I got it in the mail a couple of days later and within minutes cancelled it.In doing so, my fico score dropped from  XXXX  to  XXXX .Just because i was lied to, and trusted them.The only thing i asked was to take the cancel off of my credit report to get my points back.They refused!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-20
Company: CNG FINANCIAL CORPORATION
State: WI
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Took out a {$3500.00} loan over 18 months ago Was told in XXXX of 2015, there was XXXX payments left. ( I 'm still paying ). Paying over 300 % interest -- I get it. From what I can gather, now I am being charged additional " fees and interest '' for time it took ACH payment to hit THEIR account. Have called to complain to company at every level, with usual referral to a complaint website. I have been given XXXX different pay offs and XXXX different reason why there is still a balance. 13 days ago, I filed complaint on website " XXXX '' Have yet to hear from ANYONE and they claim fees and interest are still adding up. Calling the corporate offices yields a " they are a franchise office '' call them attitude with no real offers to help to to my relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Genesis FS Card Services, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I called Milestone about a year ago to close my account and assumed it was closed because I received a letter stating this. Then I received a call this year that my account was delinquent. I called in to close my account AGAIN and to pay whatever balance off that had been reported. I don't have this card and haven't used it so all I could provide was my social security number. I was told by the rep that my account was closed and there was no balance due. As of this week I am receiving calls again and emails that I do in fact have a balance on an account THAT IS NOT CLOSED. 

I called on XX/XX/2022 and the call lasted for 7 minutes. I repeatedly asked the rep how to pay my bill and he repeatedly told me nothing was owed and the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: Rocket Mortgage, LLC
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We locked in a closing date, and were informed by our realtor ( not Quicken, our lender ) on the day of close that our date had been postponed. So we had to scramble to find housing as we sold our house on the same day. We had to turn in a form saying that we had n't taken out new credit. 
Then, our lender, because they postponed our close date, can change our origination fees because our rate lock expired. So now our origination fees and closing costs have increased almost $ 3K from our original GFE. Our seller is anxious and ready to drop the deal. We do n't have a home and now may not be able to close. 
It seems as though Quicken postponed the close date in order to up their fees to us. They did n't communicate the change in close date to us in a timely fashion ( or at all, we had to contact them to confirm ) and then their fees and rates changed in the days following the original close date. On the 'new ' GFE, they held the interest rate and made us pay points without informing us before we asked them for the HUD form. Fishy and fraudulent at best.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
yes almost had XXXX fires in my house due to electrical my home was inspected by the loan company they said the electric was safe i had a professional electrician come in and said it should of never passed the banks inspection

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Avadyne Health Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXXXXXX XXXX  I was notified by XXXX that I had a collection filed against me from H & R Accounts , Inc. for {$520.00}, for XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I visited this E.R. late in the evening. I was checked in and gave them my driver 's license which had an old mailing address on it. After several hours of waiting and seeing no one, I left. Since then, I find out they ( XXXX ) billed me {$520.00} for no services rendered. On XX/XX/XXXX I asked H & R to send me the billing, something in writing to show what I owed for since I never received services. They said they didn't have anything, would have to request it from XXXX. I was able to login online to XXXX and it showed no services were rendered other than being checked in, and I sent this to H & R. No response. I have given H & R my current mailing address, email and phone, back on XX/XX/XXXX. They have never again reached out to give me any information. I contacted them again on XX/XX/XXXX and spoke with a XXXX XXXX who told me they still didn't have any documentation to show what I owed for, and he told me they didn't need it. I filed two XXXX  complaints against XXXX to which they never responded, and I filed one XXXX  complaint against H & R, to which they responded with " H & R Accounts ( H & R ) acknowledges receipt of the XXXX XXXX XXXX Complaint ID # XXXX filed by the consumer on XX/XX/XXXX. Due to a host of consumer protection laws governing our industry and because our response will become part of a public-facing forum for XXXX  complaints, disclosure of protected health information to address allegations will follow the minimum necessary standard. Our investigation confirms the existence of one account listed under the consumers name. The consumers account was listed with our office on XX/XX/XXXX, for services rendered by a medical service provider on or about XX/XX/XXXX. Upon placement, H & R mailed an initial collection notice to the consumer. This notice contained validation notice elements required by the FDCPA, and this notice did not come back as mail return. We have verified the account with our client and confirmed services were provided to the consumer on the date of service. The account has been marked disputed and we will send the consumer the results of our investigation for their records. Should the consumer have any questions, they can contact collection manager XXXX XXXX at XXXX. 

I want this removed from my credit report if they refuse to provide proof that I owe anything. My credit rating dropped over 30 points due to this. I pay my bills- if I received services for medical issues, I pay them. I find this to be unfair collection practices to report against someone's credit report and not provide them one piece of evidence that this amount is truly owed. I am entitled to see an invoice showing what I owe and for what services.

Company response to consumer: Closed with explanation