BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I had a Capital One Bank Account for several years. I opened a standard checking account for my military direct deposit. XXXX years after opening the account I got XXXX from XX/XX/XXXX to XX/XX/XXXX. While XXXX I had my direct deposit changed from my Capital One account to a more interest earning account with a different financial institution. I left my capital one account still open with a balence of {$1600.00}. Several months after returning from XXXX I discovered that my account information was compromised somehow and over drafted - {$570.00} and closed. I attempted to notify the bank that there had been fraudulent transactions that took place and they stated my card was used and transactions brought my balence to - {$70.00}. The other {$500.00} was overdraft fees. They then refused to commit a proper investigation because i was too late to report. I notified capital one that I was XXXX and had all paperwork Including my military XXXX while transactions from multiple states in the US were taking place but they seemed to not understand to the military community. They have since then ruined my XXXX record and as a result am unable to open a bank account with any bank

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
" XXXX '' card has been reporting to my credit report for XXXX and XXXX since 2019. 
First off, its fraudulent. Next issue is ive since many times reported this company directly, reported them to fraud, multiple disputes fraud alerts. Filed a police report with them through XXXX. They finally closed the account and left it in negative/derogatory status.Leaving me with many missed payments or late. Also still sending payments and reporting to my bureaus even after being closed because of being opened fraudulently and also closed as chargeoff instead of never being open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-30
Company: Reverse Mortgage Solutions, Inc.
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
I am the  administrator of  my mother 's estat e. In  XX/XX/XXXX  , she took out a reverse mortgage on her home with  XXXX . She passed away in XX/XX/XXXX . At the time of her death the reverse mortgage was being administered by Reverse Mortgage Solutions  (  "  RMS  '' ). Upon her death, I promptly provid ed RMS  with all requested documentation showing that I was t he administrator of her estate and advising them that I was selling the home. I provided a copy  of the real estate listing agreement for their records.  <P/> In   XX/XX/XXXX , RMS tresp assed upon the property, and vandalized it by changing the locks and installing a lock box. When I enquired why this was done, no one at  RMS  could provide a reason. I incurred costs of {$230.00} as a result. I sent RMS a written demand for my costs, but have never received a response.  <P/> In XX/XX/XXXX , a buyer was found for the property and an escrow opened. When the escrow company submitted a request for the payoff demand statement,  RMS  responded by issuing a Notice of Default and initiating foreclosure proceedings. Since the property was already in the process of being sold, with an active escrow, it would appear that the foreclosure was initiated simply to run up additional fees and costs.  <P/> Although the estimated closing date of for the sale was   XX/XX/XXXX ,   RMS submitted a payoff demand that calculated interest through   XX/XX/XXXX  . Not wanting to delay the sale, I agreed to pay the full amount of the demand, with the understanding that RMS would refund the unearned interest. RMS received the funds necessary to satisfy its demand on   XX/XX/XXXX .   <P/> When 30 days had elapsed and I did not receive a check, I contacted RMS about the refund of the unearned interest. I was told that they are not required to refund the interest.  <P/> The payoff demand included a charge for "  Corporate Advance  of {$720.00}. I have not received a response to my written request for an explanation of or documentation for this charge.  <P/> The payoff demand included a charge for " Outstanding Fees & Costs '' in the amount of {$2000.00}. RMS has not responded to my written request for an explanation of or documentation for the charge.  <P/> Given that  RMS  administ ers and/or  makes loans on reverse mortgages, the elderly or their legal representatives make up a disproportionate share of its accounts. From my experience it appears that  RMS  engages in unfair business practices, which include refusing to communicate or respond to inquires from its clients and/or representatives and adding unlawful fees and costs to its loan balances. While the amounts charged are not great, if RMS engages in this type of activity on a regular basis, the fees and costs collected from its thousands of elderly clients  may  be significant.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was charged an exorbitant amount of interest, so much so it made it impossible to make payments on my students loans whatsoever. Places like XXXX XXXX now Navient would n't work with me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was trying to open an account with a credit union and i was told that I had to call  XXXX   XXXX    XXXX    and resolve an issue before receiving an account. I called  XXXX  and was told Bank Of America had reported me to them for fraud. I filed a dispute with   XXXX   about this issue and they even transferred me to Bank Of America to try to resolve the issue this was  XXXX  between the  XXXX  and the  XXXX . I talked to the recovery department and i explained to them my issue and they told me i had to write a lette r of Dispute wh ich i also did and still have yet to get anything resolved I told them i had no knowledge of the closed account nor was i responsible for the issue they are accusing me of which is what i was told was a {$40.00} overdraft and is the reason the account was closed and reported. I just want them to remove my name from   XXXX   XXXX   XXXX   so i can get my account straight with the credit union. I have called BANK OF AMERICA multiple times to resolve this issue I have also called  XXXX  multiple times to resolve this issue and have filed multiple disputes and complaints PLEASE JUST REMOVE MY NAME FROM  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 2017-05-30
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On  XXXX   XXXX     2017  - I went to  Union  Bank in  XXXX   XXXX , CA and wired {$1000.00} to a bank overseas. The company that I sent it to never acknowledged that they received it or gave me credit of it. Wit h in two we eks I contacted the Bank and stated that the company i sent the money to has n't acknowledged it and that I have proof. They checked twice with the sending bank ( B of A ) and then did a trace - every time they checked - I had to call them too see if they had discovered where my money went - each and every time that stated we ca n't get an answer back from the receiving bank.   I then went to the  XXXX   XXXX  branch of  Union  bank - they out a trace on it - same thing - after an unbelievable wait - no one can find the money - the receiving Bank does n't respond - each and every time I have had to call them - they do n't call me. On or about  XXXX   XXXX     2017  I called the Ban k Manager  at the  XXXX   XXXX  branch -  XXXX  - and stated that if I did n't hear from him in a couple if days I wold file a complaint with you. Today he calls me and states that the office of th e President will be looking into it and someone will get back to me. When I asked him what will they be doing it turns out   that they are going to do the same thing all over again for the third time hoping for a different out come - unbelievable stupidly or hiding th eir screw up.

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 2022-07-07
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
"ONXX/XX/XXXX I SENT A "VALIDATION OF DEBT LETTER" TO XXXX XXXX XXXX. AS OF XX/XX/XXXX I HAVE NOT RECEIVED ANY RESPONSE AS REQUIRED BY LAW SECTION 1006.34 (c) OF THE FDCPA. THIS IS A VIOLATION OF MY RIGHTS. BECAUSE THE ACCOUNT WAS NEVER VALIDATED, IT REMAINS INVALID, SO THE CREDITOR/FURNISHER BY LAW, CANNOT CONTINUE COLLECTION ACTIVITIES, NOR REPORT THE INVALID ACCOUNT TO THE CREDIT BUREAUS. | ALSO NOTICES SEVERAL FRAUDULENT INQUIRIES, I BELIEVE THESE ARE THE RESULT OF IDENTITY THEFT. BECAUSE I DID NOT NOR DO I RECALL GIVING AUTHORIZATION FOR THESE INQUIRIES THERE IS NO "PERMISSIBLE PURPOSE." I DEMAND AN INVESTIGATION WITH ALL UNVERIFIED ACCOUNTS AND INQUIRIES DELETED IMMEDIATELY WITH A UPDATED REPORTS SENT TO MY ADDRESS. I DO NOT CONSENT TO ANY XXXXRD PARTY OR ELECTRONIC VERIFICATION."

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Trans union is reporting a late payment for XX/XX/2017 on my XXXX XXXX account. I was not late I paid on XX/XX/2017. I have attached my payment receipt.

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 2022-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( XXXX  XXXX XXXX, XXXX  ), you may be liable for your willful non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am requesting the audit trail ( accounting, file, ledger and transactional history ) of the consumer credit transaction that occurred XX/XX/2020 notarized by an accountant.

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 2017-01-19
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I was trying to get a lower payment as I became XXXX and was n't able to work anymore. My income was reduce tremendously but I still wanted to try to make payments on my loan. So when I reached out to Navient they informed me that my best option would be a forbearance that way I would have more time to get on my feet. So when my forbearance ended the payments was too much to handle. I 'm a single XXXX mother of XXXX. I barely can afford food to feed a family of XXXX better yet pay $ XXXX+ a month for student loan. I know they have to be repaid but they could have have me lower monthly payments or explained all options.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: AR
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:
I disputed a bankruptcy that was reported to the credit bureaus on my credit report by XXXX. I reached out to the bureau and they said XXXX XXXX verified this bankruptcy belonged to me. I in turn reached out to XXXXXXXX XXXX  to see where they got this information and how was it verified. They told me thru the courts. I verified the us bankruptcy court does not provide information to 3rd parties. I have a right to privacy and for XXXX to illegally obtain that information is in violation of my consumer rights to privacy. It was not verified thru the source and needs to be removed or I will seek monetary support.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I had been in the process of obtaining an income-based repayment option from Navient, the company which services my student loans. In early XXXX, In order to allow me time to complete the necessary forms, Navient put my loans in forbearance until XXXX XXXX. However, as of Monday, XXXX XXXX, I was informed that my loan repayment date was moved up to XXXX XXXX. I called Navient on XXXX XXXX and explained that my financial situation did not permit me to begin repaying my loans within three weeks. I requested that the original date of XXXX XXXX be reinstated. They refused, stating that I had no time left for forbearance. This simply does n't add up as XXXX XXXX was originally the end date of my forbearance. I believe that Navient deliberately misled and even lied to me. They indicated that had I waited later to submit the income-driven repayment paperwork, I would have been able to begin repaying my loan on XXXX XXXX as originally agreed. Clearly Navient is incapable of keeping their word as to when repayment should commence. Had I known that I would be given such shoddy treatment, I would have delayed submitting my paperwork until the last minute. XXXX XXXX was always an option. Changing my repayment start date is capricious and arbitrary. I 've NEVER seen this occur with a credit card, bank loan, or any other installment plan. This feels borderline criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11
Company: Navient Solutions, LLC.
State: OR
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:
I have been enrolled in the XXXX XXXX XXXX XXXX for loan repayment. I am nearing the end of my 2 year commitment. I am required to verify that the entire XXXX dollars provided to me was put on my non-cosigned signature loans. I reviewed my account and found that I was approximately XXXX dollars short. So I contacted navient, gave the the loan number that the money needed to go on and requested a receipt verifying that this was done. The check was a bank check and my bank also printed the loan on number on the check. I did not receive a receipt so I checked my account and found that Navient had spread the funds over several accounts. If I can not verify that all of the XXXX dollars went to the XXXX listed loans, I can be fined over double of the amount given. ( over XXXX dollars.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-26
Company: Block, Inc.
State: CT
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:
On XX/XX/24 I placed a takeout food order with XXXX XXXX for {$10.00}. 

I waited at the store for 20 minutes and never got my food. I am XXXX and cant stand for long periods of time. I left. 

I called the store and asked for the manager. He wasnt there. I looked them up online and they had no email address. So I disputed the charge. 

I was told that I needed to contact the merchant and get a written statement that they wouldnt issue a refund. Thats not his Regulation E works. The bank needs to follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called MandT Bank ( MTB ), XX/XX/XXXX at XXXX and spoke with a rep about the calculation of the mortgage escrow which I believe to be wrong. 

We are in agreement that the monthly mortgage escrow before shortage should be {$1200.00} per month required annual mortgage escrow is 14 months at {$1200.00} or XXXX. 

Beginning escrow balance is {$7300.00} a/o XX/XX/XXXX. 

escrow payments from XX/XX/XXXX to XX/XX/XXXX total XXXX this would bring the total escrow to XXXX well above the required escrow of 14 months of {$17000.00}. 

The woman who answered the phone started the conversation by telling me she does not have the ability to calculate whether the escrow is right and it is done by computer. 

she kept saying the bank 's calculation is right with no explanation. 

I asked her how she can be so sure the Bank 's calculation is right when she told me she didn't know how to calculate an escrow earlier in the conversation. 

she hung up without saying anything. 

I did not raise my voice, but obviously, MTB 's training leaves a lot to be desired.

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 2017-01-22
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have several stuent loans through navient, some of my student loans are about 20 years old. Over the past few years I have made several attempts to get into a repayment status I can afford. I was never told about IBR until I researched it online because I could not afford the monthly payment of almost {$800.00} they wanted me to make. Prior to me researching and learning about the IBR I kept putting my accounts in deferrment where they would gain all this intrest. Once I applied for the IBR, Navient would take longer than normal to process the paperwork and still would send out a bill until I called them continusoly to process paperwork. Also my balance is not being reported accurately under my credit report. Also I filed a bankruptcy in 2014 and was advised there was nothing that could be done when later I found out I could have included this in my bankruptcy.

Company response to consumer: Closed with explanation