BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Other

Complaint:
I have a credit card account with Capital One. The limit on this account is {$500.00}. I took a couple of cash advances when the account was first open. I have made purchases also. Never have I exceed the {$500.00} dollar limit. However on each monthly statement, " Balance subject to interest rate '' on purchases amount changes after each payment. It either goes up on down depending on purchases and payment. The interest on " Balance subject to interest rate '' is the same as Cash Advances. The balance on CASH ADVANCES has only decrease less than {$2.00} over the last two years, BUT the interest rate is the same as for PURCHASE. Payments have been made over the last 2 years. No portions of my payments have been applied to CASH ADVANCES. There were times that I paid more than the minimum on this account and NOTHING has gone toward the CASH ADVANCES balance. HOWEVER, I am being continually charged the same interest rate and not seeing a declining balance. Each month this company is getting an extra couple of dollars buy not applying any of the payments toward cash advances. All payments goes to purchases until this account is paid off. But there is the interest charges continuing on cash advances even if you make more than the minimum payment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I notified equifax and all the credit card companies that are on my credit report via a business letter. It has been about 2 weeks and I have not gotten any letters in the mail or emails concerning my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Issue: Advertising and marketing

Complaint:
XX/XX/XXXX, I opened a XXXX with Capital One. This card was marketed as a business card, not a personal one. Billing and payments were handled by the accounting department of my company. I discovered that my company made late payments for the card XX/XX/XXXX, and closed the account. Capital One then began to report the late payments on my personal credit report. I contacted them to ask them to remove this information because I did not have control of the payments directly. They refused to do this. It is my opinion that Capital One misrepresents this card as a business card, when as it turns out, they merely write the name of the business on the card, and do not report credit issues in the name of the business. This is a deceptive and fraudulent practice. I would like Capital One to remove this item from my personal credit report, and properly report it on the credit report of XXXX XXXX XXXX. I also think they should be made to cease the false marketing of this product so that others will not be taken advantage of and have their credit wrongly affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: WELLS FARGO & COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 I filed a claim ( # XXXX ) with Wells Fargo due to my car had gotten broken into and my purse with my personal belongings had gotten stolen. Therefore my secure information had been compromised, my license, ssn, debit card and most importantly my cell phone. My cell phone did not have a secure PIN number which therefore compromised my information in my cell phone that included my personal online banking information, my passwords and usernames to other institutions as well. I filed my dispute with Wells Fargo because when I had finally logged into my email later that day I had noticed they were sending me alerts and receipts that someone was logging into my account and was also withdrawing money from my account. As I begun to shut my card on and off, the thief was turning on my card on their end. When I was able to use someone else 's phone due to mine being stolen I had called Wells Fargo and they had shut down my online banking as well as my debit card. By this time the thief had already withdrawn {$1200.00} total from my account. I continued to dispute these charges with Wells Fargo who would not give me a credit and had told me I had to wait 10 days for an investigation. I then called another 10 days later and they had advised me that they found no fraud on my account and they would not return the money. I spoke with a representative and thoroughly explained that I had never spent that amount of money in 1 day, which they can confirm from my previous transactions. I also had all my information compromised due to my stolen purse, phone and information. The representative agreed and assured me she would give me a credit and that at the end of the investigation this would be resolved. I asked if the department needed my police report or any further information and she confirmed that they did not want or need my documentation. It is now XX/XX/2020 and the {$1200.00} was withdrawn from my account from Wells Fargo. I spoke with 2 representatives and they poorly explained that the department decided this was not fraud and they would not accept my documentation. I also explained to them this was never told to me and that I was assured my money was returned and the claim would be resolved. Because of COVID-19 the random withdrawn amount was careless and I explained that to the WellsFargo representatives. They told me, '' It does not matter what is going on in the world, we can not help you. " They refused my documentation and stated they could not release their own proof of the claim. There poor empathy and thoroughness will never again want me to bank with Wells Fargo again, they are the true thieves.

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 2016-12-31
Company: Fidelity National Information Services, Inc. (FNIS)
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
When requesting to open a account at XXXX, a report reflected XXXX loans issued under my social security number with an unknown name. These loans were not issued by me. The Company that processed the loan was XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian has failed to provide my XXXX score since XX/XX/XXXX despite having received monthly updates from my Visa card company XXXX XXXX XXXX XXXX XXXX ). Although my last Experian XXXX score was available online in XX/XX/XXXX, Experian now contends my account has been inactive for over 6 months and I have no current accounts. Other credit reporting agencies are reporting my current acct and XXXX XXXX. XXXX XXXX XXXX XXXX has assured me that Experian is aware of my account history, which includes an active Visa card account since 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 2022-05-19
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX - Account was paid in full ( for deletion ) XX/XX/2022 XXXX - Account was paid in full ( for deletion ) XX/XX/2022 XXXX - has same account listed twice XXXX XXXX - Account was paid in full ( for deletion ) XX/XX/2022 XXXX - Account was paid in full XX/XX/20XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX - Account was paid in full ( for removal ) XX/XX/20XXXX 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 non-monetary relief
Consumer complaint received 2015-10-13
Company: Professional Finance Company, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Small town in XXXX. Rented a house for XXXX year. Water bills paid on time. Moved out due to retiring from XXXX XXXX XXXX. Disconnected water account prior to moving from XXXX to XXXX. New tennant moved in to XXXX house and apparantly garnered free water services ( still in my name ). Landlord and city were contacted about the new tennant needing to pay this debt. The account was eventually changed in to the new tennant 's neme but the amount pending remained in my name and the tennant never paid it or owned up to it. It is a small amount of money, easlily paid. My issue is based on principal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-20
Company: Ocwen Financial Corporation
State: MN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have a home mortgage with Ocwen Loan Servicing, LLC.They have been charging me a usurious interest rate in the amount of {$7000.00} ( for one month ) since 2010.They will not explain this nor will they correct it.I think this is illegal and I want it taken off my loan amount and I do not want it to effect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: ECMC GROUP, INC.
State: OH
Product: Debt collection
Sub-product: Federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I have student loan debt and was in default for a long time. When I finally got a job I did n't really make enough to make payments, but instead of trying to work out a solution I ignored the problem for a while. I finally started working things out in 2014 and qualified to consolidate all my loans but XXXX, which were getting ready to garnish my wages. I asked the collection company if they would release them to be consolidated but they refused. My wages are being garnished at 15 % of my total income, not just disposable income. It is my understanding that it should be 15 % of whatever I make over the federal poverty level. I have tried to ask the collections to correct it, but they said that my employer must not be using the form given them to figure the correct amount. Bottom line, I can not be self sufficient and be on my own with this amount of money coming out of my check every pay. I would like them to adjust the amount they take or add those loans to my consolidated loans in which I qualify for the income based repayment plan which is more affordable to me. I do n't want to end of losing my job because I ca n't afford transportation there. My living expenses are a hardship just to take care of bare minimum items.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Delinquent account

Complaint:
I took out a loan through my bank to pay off this credit card. My bank called them directly for the payoff amount and mailed the check. Company mailed the check back to the bank stating they could not credit to account. Bank immediately mailed the check back without changing anything. Company cashed it, and we assumed it paid off the account. After the account was sent to collections, we started asking questions as to where the money was credited to, and we wanted statements. The company, or the collection agency were not able to furnish us with statements, or any kind of answers. During this time, it has been reporting my credit as a charge off account. This has taken years to get no resolution, and it needs to be resolved. It 's negatively affecting my credit, and I am unable to move on with my life. We have provided all companies with documenting emails and copies of the cashed check to no resolution. During the time of the payoff, Capital One bought XXXX, so it is my belief that this situation happened in error during the handover.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am a victim of identity theft

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 2015-11-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I PAY for ID protection with Equifax so I look online and see that most of my accounts were deleted off report and only XXXX were showing so I call them and I am told that for some reason my report was split into XXXX so XXXX report has XXXX accounts and the other has only XXXX. I have been denied credit due to creditors pulling my report and seeing only the XXXX with XXXX accts and so I am taking the hit for inquiries and also being denied services due to only having XXXX accts on that report ( length of credit history and XXXX of the XXXX accts had 30 day late marked ). I can not see the XXXX report online in my ID account that I got to monitor my report. I do not think this is fair that my report was split for whatever reason and my score is going down for the inquiries when creditors pull it and they are denying when they see the XXXX ( XXXX acct ) report. I want the report with only XXXX accts removed/deleted or combine the XXXX reports into XXXX. them splitting my report has hurt me since I am being denied and all these inquiries are on my record when they are not even getting my actual report. I feel as though my rights were violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX/XXXX/XXXX I look in to my credit report with XXXX I the XXXX report to find XXXX inquiries ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) into my credit buy : XXXX XXXX XXXX, sd XXXX XXXX I did not give them permission to do a hard inquiries into my credit.

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 2015-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid with a Check from XXXX XXXX XXXX the amount of {$300.00} to KOHLS, XXXX XXXX. 
They clear the check from my XXXX XXXX XXXX Acct. After That KOLHS said they never cash the check because it was return. I went to XXXX XXXX XXXX and the fax to KOLHS the the CHECK # XXXX, cashed by them. 
After that they continue charging me the balance. I called again and ask what else I can do to prove the check was chased and never return to my acct. They request to me fax my last XXXX Bank statements where it show XXXX, XXXX and XXXX, I did fax to them. After that I still receiving letters from them collecting the XXXX. 
Please help me to resolve these problem, I feel tire and frustrated, these is a violation of my consumer rights, and can damage my credit reputation. 
Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-22
Company: Northeast Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
North eastern Recovery Services is a Debt Collector they are saying that I owe money from A creditor That is not True They keep calling my Job & Harassing me The person who keeps calling me from XXXX XXXX their phone number XXXX they do owe me money please investigate these scammers thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: M&T BANK CORPORATION
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I am filing this complaint on behalf of a consumer who was a victim of a foreclosure rescue scam. The consumer is a native Spanish speaker and the following narrative is drawn from multiple sessions the consumer had in  Spanish with a Spanish-speaking housing counselor.      On  XXXX   XXXX ,  XXXX , the consumer filed a complaint with the Maryland  State Attorney General 's Office.      The consumer, who lives in Maryland, first sought assistance from the  Director of a company called  XXXX , to s ubmit a loan modification request  to M & T Bank, the  lender that originated the consumer 's home loan. By  XXXX   XXXX , almost  XXXX  months later after the consumer first met with  XXXX  staff,  XXXX   XXXX  from  XXXX  called the consumer to tell him that he needed to begin depositing a total of {$1600.00} in cash bi-weekly into his bank account. This was in addition to amount he stated was his monthly income and tax returns from the previous year.    XXXX   XXXX   director  of  XXXX  stated that the consumer needed to make those deposits in cash specifically every  XXXX  weeks. In order to qualify for the modification. When the consumer first met with  XXXX  staff, he asked specifically if he could qualify with a current income of {$16000.00}, and  XXXX   staff resp onded by stating I am the expert on this matter and I know exactly what I am doing, and you just do what I tell you to do.     The consumer was given a direct order to make a cash deposit of a specific amount in order for his modification to be approved and the consumer followed it. The consumer expressed feelings desperation to get an affordable modification, so he complied given that they ( the com  pany ) were the experts in this subject matter.
As a result, the consumer was denied a modification from M & T bank because his income was too high. This was something that also raised a red flag for his ( loan modification ) case because when he tried to    reapply again with the right information, the bank did not believe the consumer.   When the first modification application was denied,  XXXX   XXXX  advised the consumer to file bankruptcy in order to stop the foreclosure and she referred him to an attorney named  XXXX , who reportedly refused to his my case because he saw the inconsistency in income and the possibility of fraud.     This consumer has tried a third time to resubmit a modification, explaining the true nature of his case t o M & T bank, and  has been denied.

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 2016-01-26
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
After very a very lengthy Loan Modification with Flagstar Bank, I have came out worse than when I started. 
During the loan modification, per regulations, Flagstar hired an independent company to check the vacancy status of my home. I was/am currently living in my home ; however, Flagstar stated that it was reported vacant. Not only did they report it vacant, but they again hired an outside vendor to come to my house and change the locks. My neighbor called and stated somebody is in your home. I called the police and did make a report of the situation. Upon returning home, my home locks had been changed, my home was " winterized '', my back door was boarded up and damaged, and all my things had been rummaged through. Flagstar simply said that my house was reported vacant. ON SEVERAL OCCASIONS I told them I LIVE in the home. My loan requires me to live there or I can not re-finance. If it was vacant I would not have been able to complete a modification. Even more, Flagstar made a claim with my insurance company stating wind damage had damaged the roof. This claim was denied by my company due to meeting the deductable. 
For an entire 3 months I had my yard mowed, several signs hung on my door, and the final straw was having BLACK TAR placed on my roof. At this point I hired a lawyer and we are currently preparing a lawsuit. 

My modification was completed ; however, my payments were increased due to taxes and a shortage of Escrow. Not only this, Flagstar now has added a what they call " Total Advances '' fee to my mortgage totaling {$4900.00}. When I inquired about this, they stated this was the cost of refinancing and does not have to be paid immediately. They stated that the total amount would stay on my statement until I sold the home or paid the amount due. It clearly states in my modification packet that all fees and dues have been included in the modification by Flagstar. Why is there a {$4900.00} fee and why is my mortgage going up due to a shortage of Escrow. This was included in my modification. 

Since modification was complete, I have followed through with the claims from my insurance company to obtain a new roof due to the amount of damage FLAGSTAR sub contractors caused. I simply had my insurance company come back out and re-assess the damage. A claim was approved this time. In turn, this has increased my insurance and respectively increased my mortgage. 

The worst part about this whole process was trying to speak with Flagstar to avoid these issues. Each time I called I was transferred to Loss Mitigation, Claims, Insurance, and Default Services. None of them could tell me why preservation crews were coming to my house. They even advised they would put notes into the system to advise the preservation department to stop coming. Of course, this did n't stop them.

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 2016-10-31
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I transferred {$1000.00} ( XXXX XXXX US Dollars ) to XXXX after paying {$16.00} ( XXXX a fee of {$16.00} ( XXXX dollars ) through the Western Union payable to my younger brother on XXXX XXXX, 2016. As of today, XXXX/XXXX/16 the money was never paid out to my brother. The Money transfer control number is XXXX Western Union refused to refund my money to me as well. Please help out. Thanks.

Company response to consumer: Closed with explanation