BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
In XXXX, 2015 Capital One issued me a new credit card ( with chip protection ) and a new credit card number. I emailed the XXXX XXXX XXXX that I wanted to cancel my on line subscription ( directly billed to my credit card ) instead of updating them with my new card number. XX/XX/2015 I get my statement from Capital One and notice for the first time that the XXXX has continued billing me for a subscription I had cancelled. 
I never gave the XXXX my new credit card number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: R.M. Galicia, Inc.
State: OK
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I go to XXXX XXXX hospital and then the send a medical bill is {$3200.00} and then I said I have no capacity to pay the bill. I want to make payment arrangement. But the do n't say nothing. The send my bill to debt collection agency. And right now the collection agency charge of interest with my medical bill. So right now what I do.and I already contact to agency to make a payment arrangement like {$40.00} as month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: LEXISNEXIS
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:
My identity has been stolen, after checking my credit I found accounts That I do not recognize in my credit, these account should be removed from my credit report inmediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: PA
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 tried to get these items corrected with the credit reporting agencies back in XX/XX/2022. I recently noticed that they still have not deleted the items i reported to them that were wrong. I am requesting again that these items be deleted from my credit report asap. because they are hindering my mode of living and causing me from getting a mortgage. I have reported this to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 tried to get these items corrected with the credit reporting agencies back in XX/XX/2022. I recently noticed that they still have not deleted the items i reported to them that were wrong. I am requesting again that these items be deleted from my credit report asap. because they are hindering my mode of living and causing me from getting a mortgage. I have reported this to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident.

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 2020-03-25
Company: Home Point Financial Corporation
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced with a new lender at the end of XX/XX/XXXX. My XXXX mortgage payment to Home Point Financial was erroneously paid twice. Once at the payoff from the refi on XX/XX/XXXX. The second time was via Auto Pay that was previously set up. They took the payment for XXXX again via Auto Pay on XX/XX/XXXX. I have called 5 times and keep getting the runaround. So far, all I have received is my escrow account balance. They still owe me {$1900.00} for paying the XXXX payment twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
In regards to XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I made a settlement agreement with them last year for half, I sent them a valid check and they check was sent back stating the offer was longer good. I have submitted all necessary paperwork to the XXXX credit bureaus. This company continues to call me at all hours of the day and night. including XXXX to XXXX XXXX. They have called friends and relatives in other states and here in XXXX. They informed my brother about the debt, how much it was and threatened him with a lawsuit if he did not pay. Even though we have both asked them to send all corespondents through mail only and no more calls, they continue to do so. Today they notified myself, my brother and a friend, that we are all being sued, wages garnished and jail time, if I do n't pay. All these practices are illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: Navient Solutions, LLC.
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:
In  XXXX   2017 I su bmitted all requir d annual documentation to re-certify my participation in the REPAYE payment plan with student  loan manager NAVIENT.  However, instead of putting me back on the REPAYE plan they automatically puts in th e IBR pla n which has higher monthly payments. They put me in IBR even though I submitted documentation saying that I wanted to remain in the REPAYE plan.this was  XXXX     2017.  Since  XXXX , I have called them on at leas t 5 sep arate occasions requesting that they put me back on the REPAYE plan. It is now  XXXX   2017 and t hey still have n't put me back on the REPAYE plan -- they actually removed me from any income based plan and my monthly payment has shot up frlm  XXXX  a month to  XXXX  a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Update to Case number :  XXXX   Citibank  did not close my account when I requested it in writing and has reported false information that I am disputing my balance. I have attached all my communication with  XXXX   XXXX   XXXX  that was not sent to you since her letter dated  XXXX . It was convenient and shady that all this communication occurred after the case was closed. I do NOT want to deal with  XXXX   XXXX  again. Her involvement was a waste of my time and did not resolve my formal grievance.

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 2020-03-26
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:
I was looking at my credit report on XX/XX/2020 where I had noticed inaccurate Information. They are saying a company XXXX XXXX who I am not aware who they are. They are giving me hard inquires on XX/XX/2020 and XX/XX/2020. They are saying I got a loan from the. This totally Inaccurate and fraud. I never signed anything and this was never authorized by me.

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 2016-10-07
Company: M&T BANK CORPORATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We applied for and were approved for a loan modification. After the third trial payment was made in full on time we were advised of a judgement/Lien. We took care of this immediately and provided the mortgage company with a warrant of satisfaction which was obtained from superior court. This warrant states that the judgement in question was paid in full and judgement closed. The mortgage company then requested county recording information. As it appears our county does not do this and was unable to provide us the requested documents. The county records clerk provided us with a letter stating this letter was not available, which we also forwarded to the mortgage company. Upon follow up, we were advised that our modification was closed, they would not allow us to talk to loss mitigation, actually refused to transfer to that department. After stating our obvious disagreement, we asked mortgage company to send out a workout package. We called to follow up because we did not receive the packet, and was advised to print it out. A few days later we received a letter stating the sent our file to attorney to commence foreclosure proceedings. This is absolutely unfair. 
In addition our mortgage company did not record our mortgage with the county until approximately 4years after obtaining it. They want to hold us accountable for not being timely submitting a document that does n't exist for us but can not be heldheld accountable for their insufficiencies with the same entity ( county ) I feel we are being bullied and not properly treated. Any assistance will be greatly appreciated. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This complaint is against Diversified Consultants. I am not sure why this is reporting on my credit as I 've never had an account with Diversified Consultants as the notes under the account indicate. According to my credit file, the account number starts with XXXX. I have never had a contract with this company for services rendered. At this time, they are saying I owe them almost {$790.00} and yet, I have no idea for what. I have challenged this with the company and XXXX on numerous occasions in the past and as of this date, it is still reporting on my credit. 

This negative item is hindering my ability to move forward to buy my family a new home. There is no reason for this account to be on my credit when it does not belong to me and it has already been proven to not belong to me. By reporting someone else 's account on my credit, my rights as a consumer are being violated and this is why I am bringing my complaint to the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: LD Holdings Group, LLC
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I took out an FHA mortgage loan through Loan Depot to buy our home a few years ago. Our family has run into some financial difficulties in the past year and have missed some mortgage payments. I am filing this complaint because Loan Depot has been difficult to deal with, has not given me requested information, has not completed reviews and seems to be purposely trying to stop me from getting reviewed for government programs. The only option they are providing is to reinstate the full past due amount which is now close to {$11000.00}. I am not able to do this and believe there are other options available, but Loan Depot is saying there is nothing else I can do and even if they did work to modify me it would only save me {$60.00} a month. 

When we applied for the loan my wife and I were both gainfully employed ( I have worked in the XXXX for XXXX years XXXX and my wife works in XXXX. We had sufficient incomes to pay our mortgage payment and everything was fine the first couple of years until the oil industry took a dive. Overnight my hours were dramatically cut which drastically reduced my income. In that same time frame my wife began having some major medical issues and started having restrictions at work. This made it difficult to keep a job or any type of regular hours. Because of these two issues we began struggling to keep up with our payments and eventually feel behind on the loan. We contacted our servicer Loan Depot as soon as we missed our payment to try and get them to work with us. We had been told that FHA loans had many programs available for struggling homeowners -- our income was lower than when we bought the house and we were led to believe that there were programs that could help us. We were shocked at the way that we were treated by the Loan Depot agents. It was very difficult to communicate, we had to send and re-send the same paperwork on multiple occasions and then are told that if we were to ever get approved for help we would only save {$60.00} a month so it is not really worth it. I do n't believe this is the way Loan Depot is supposed to handle our loss mitigation request ; I do n't believe that Loan Depot has given us access to all of the FHA programs that should be made available such as modification, forbearance agreement, repayment plans or partial claim. 

What is most frustrating is that during this lengthy review our delinquent amount has continued to increase -- -we attempted to make a payment a few months ago but were told that it was not possible to make a payment anymore unless we paid the entire delinquent amount all at once. This is just not possible. My wife is working full time again and my hours have stabilized and we can afford a reasonable payment. I feel that we are headed to foreclosure unless a miracle happens. That does not seem right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.

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 2022-04-11
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 XXXX accounts with American Express that were included in a debt consolidation agreement with my now ex-husband in XX/XX/2019. ( See attached debt consolidation agreement ). Amex marks these XXXX accounts as late in XXXX of 2019 despite being part of the debt consolidation agreement ( once the agreement is signed, which is was on XX/XX/XXXX, it's out of our hands and the debt consolidation company takes over ). The payments were not late as they were all done through the debt consolidation agreement, and the payment plan has now been completed XXXX YEARS AHEAD OF SCHEDULE, so it's very obvious that we weren't shirking our responsibilities, we paid everything on time and even several years early, yet it's still showing late payments in 2019 when they were under the debt consolidation agreement. I disputed it with XXXX and XXXX, and Amex replied to XXXX that they had updated the account, but it hasn't happened, the payments are still showing as late, and with XXXX Amex said the accounts were correct as reported so no changes were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I purchased a home through Cardinal Financial XXXX of this year. While shopping for a mortgage, I was very clear on my requirements. I was purchasing a " fixer upper '' and wanted to avoid long term PMI. I asked the XXXX Representative when I would be able to drop the PMI and he stated that could drop the PMI off the loan after the XXXX were finished and the house appraised for 20 % above the loan value which would be {$350000.00}. My wife and I put thousands of dollars in XXXX to our home and called XXXX to schedule an appraisal. I spoke to an account representative at XXXX and they told me they have to put in a " request '' and I 'd be notified by mail. XXXX weeks later I received a letter stating that the PMI can not be dropped off until : XXXX ) The unpaid balance was XXXX % or less of the original value of the loan my XXXX XXXX The unpaid balance is 75 % or less of the current value of my loan and at least XXXX years have lapsed XXXX XXXX My unpaid balance is XXXX % or less of the current value of my loan and at least 5 years have passed. In order to qualify from PMI cancellation, I have to pay {$31000.00} to bring my original value down to XXXX %. I 'm appalled that they are able to tell me what I want to hear in order to get me to use them for my mortgage, but when it comes time to drop the PMI they 're able to XXXX XXXX me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Caller on XX/XX/2022 @ XXXX XXXX XXXX indicated they were calling from a debit collector. The number the company was calling is utilized for business and is accessible outside of the party they are attempting to contact. This violates said party 's rights by establishing this individual has a debt and others are contacting them to collect on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Company: HCFS Healthcare Financial Services of TeamHealth
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:
15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not. furnish an account without my written instructions.

15 u.s.c. 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of complaint jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2015-09-20
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I contacted XXXX XXXX XXXX , XXXX by letter to request verification of debt. XXXX XXXX XXXX has reported an active collectible debt on my credit report and they have failed to produce evidence that they are legally able to collect and report an alleged debt. This debt, should it be mine, is a zombie debt over 7 years old and thus uncollectible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card
Issue: Rewards

Complaint:
I have XXXX AAdvantage credit card through Barclaycard. XXXX of these accounts had benefit program which I paid an annual fee for of companion tickets for a cheaper price, the process for taking advantage of the program was you were mailed a voucher, that you then needed to call in to take advantage of being mindful of the blackout dates. I have no record of receiving the voucher in 2015, so was not mindful of the benefit until I was planning a trip this summer and remembered the program. I contacted customer service and asked were the vouchers mailed out to me, I did not receive them and was advised first to double check that I did not, if so, I could contact the service center and next steps would be taken? I called back another representative said nothing could be done, I asked to file a complaint - the complaint # 's are XXXX and XXXX. The representative said that I may or may not get a response - so I am using this process to ensure I will. Several issues, Barclay 's sends marketing material and posts information when I log onto the website on balance transfers, on other products - but no mention of how to execute on this benefit, no reminder e-mails to take advantage of it, no reminder that it was even close to expiring when it was - that is assuming it was even mailed. They marketing this benefit but made it difficult to take advantage of ... ... I request the benefit, allowing me time to take advantage of it for this cycle, my understanding the benefit has expired for my account, or I would need to pay a higher fee or if that does not work I request a refund of the annual fee for the period of time I did not take advantage of it for both accounts. A factor to consider is if other consumers with this product did not take advantage of this benefit % that paid the fee but did not use the benefit, a question as to why should be considered by this 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 monetary relief
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XX/XX/2022 my account is reported to credit bureaus equifax, XXXX and XXXX  it is current and in good standing. Then in XX/XX/2022 the company reports 90 days past due. Also in XX/XX/XXXX 90 days past due. You cant go from 0days past due to 90 days past due in 30 days. Both months are reported incorrect. When I disputed it they just turned around and said it was correct and closed the dispute. Unless the XXXX agent doesnt know basic math, anyone can see its incorrect.

Company response to consumer: Closed with explanation