BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-01
Company: Mr. Cooper Group Inc.
State: DC
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:
I monitor my credit on a weekly basis to weed out fraud or anything unusual happening to my account. Back in XXXX I got a ding on my account saying that a merchent pulled my credit report. I then got in contact with XXXX. I spoke with a representative from XXXX and then I let them know that I wasn't aware of the merchant who pulled my credit. They then told me to file a complaint with the FTC. I did so along submitting the FTC documents and writing a letter to XXXX. Maybe 30 days later I had still seen that the merchants information was on my credit report. Then I also go another ding on my account about another account that was in XXXX. I called XXXX again and I explained to them that this account had been closed since XXXX. They then told me that I had to contact the company which I did and I spoke with a representative at the company. They then told me they had spoken with XXXX to have this account reflect as being paid off. However, nothing has changed on the credit report. I called XXXX again and I sent a written document along with a copy of the actual report. And again it's still on my credit report - nothing has changed. 3 weeks ago I did a dispute of 3 items on my credit report and I noticed a change on my credit score. I had called yesterday and last week requesting that these items be removed. It shows " Closed '' but not removed from my credit report. I've seen a lot of derogitory accounts on my credit report that I would like to have removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Have had a home depot card since about XXXX during. I have not made any purchases on the card in years. on XX/XX/XXXX a purchase was made in XXXX tx. I live in a city XXXX miles away. They claim ID was presented at time of the purchase. I have no way to verify if one was or was not presented. They are denying my fraud claim and have kept me in limbo for over a month. During this time they constantly call me trying to collect the debt. 
I have an XXXX credit score. I have made over XXXX dollars in purchases at home depot alone this year on my discover card. My balance on the discover card is paid monthly. I do not skip out on payments. The charge in dispute was for about XXXX dollars and has since matured into a XXXX dollar bill with late fees. They continue to charge me. I have XXXX XXXX and have opened a case. This involves me making a police report, getting several papers notarized and has taken quite a bit of time. I should not be responsible for a charge that i did not make.

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 2022-08-05
Company: LEXISNEXIS
State: AL
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 applied for an apartment at XXXX XXXX in XXXX XXXX, NJ with XXXX XXXX XXXX and was denied because of an adverse action supplied by XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and LexisNexis are reporting a bankruptcy and or other adverse actions on my credit report without verifying this information. The New Jersey Court System does not report or verify any information relating to consumer reports with credit reporting agencies. XXXX, XXXX, XXXX, XXXX and LexisNexis are reporting Inaccurate Public Record/s on my consumer credit Report. This has caused damages and are violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., as amended. XXXX, XXXX, XXXX, XXXX and LexisNexis have been reporting derogatory and inaccurate statements and information relating to my credit history to third parties ( the inaccurate information ). The inaccurate information includes, but is not limited to, a public record judgment/bankruptcy. The inaccurate information negatively reflects upon my credit history which is preventing me from obtaining proper housing and loans. It is affecting my character and representation of being financially responsible as a debtor and credit worthiness. XXXX, XXXX, XXXX, XXXX and LexisNexis have been reporting the inaccurate information through the issuance of false and inaccurate credit information and consumer credit reports that they have disseminated to various persons and credit grantors, both known and unknown.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XXXX XXXX, I presented to bank of America, in person, my paid in full balance of XXXX for my student loans. It was received and accepted By a local branch manager in the city in which I lived, and they then in turn sent it to domestic collections in XXXX Texas as a final destination for my payments so that I may get credit for it. I then waited about 3 weeks and had not heard anything back from Bank of America at all, but I traced the payment that was sent overnight to their collections department and found that it was received on XXXX XXXX. As a follow up, on XXXX XXXX, I Then wrote the chief financial officer, XXXX XXXX, in their corporate center in XXXX and demanded I get a credit for my payment. In the letter I gave them two weeks from receipt to respond and to date have not received any correspondence in regards to my demand letter. In the demand letter I included the tracking info and copies of the documents that was received and accepted by the bank of America branch in my city.. 
Yesterday I spoke with my servicer, XXXX and they said they never received payment.

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 2022-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 


Late payments with Capital One credit card : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
hi! I have been trying to raise my credit and I have been investigating what affects me, at the beginning I have contacted some collection companies and I have tried to find out what is the origin of these accounts, some I recognize but some do not. With this company, I tried to identify the origin of the account or validate it, but it only sent me a bill to collect. In the end I gave up calling them and making a payment to pay and delete my account, and they still continue to report the account. I have tried to dispute this account with the credit bureaus and it turns out that XXXX and XXXX are reporting PENN CREDIT CORPORATIO XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX but XXXX  is reporting the same account XXXX  XXXX  XXXX the same balance. 
Please help me to clarify this problem. I am trying to buy a house and I have been denied the application for this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: RoundPoint Mortgage Servicing LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to get a satisfaction of mortgage letter for over FOUR months. Numerous phone calls with NO RESULTS. Closest thing I received is a verification of mortgage letter.

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 2022-07-18
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
At the time my loan originated we owned less than 20 % equity and agreed to pay PMI. The company claims to have a process to cancel PMI sold the LTV ratio meet 20 %. After weeks of going through their steps, Dovenmuehle charged me to have an appraiser come to my home. His report showed that I own 42 % equity in the home. Dovenmuehle has refused to cancel PMI and is now asking me to restart the request process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXXXXXX XXXX  XXXX XXXX Balance Owed : {$5800.00} XXXX XXXX Balance Owed : {$610.00} XXXX XXXX XXXX Balance Owed : {$3000.00}

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 2022-03-01
Company: Block, Inc.
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My account is in the negatives and transactions that were paid through XXXX XXXX and cash app was said couldnt be disputed. My cash app was then charged twice by 2 different users having money that wasnt in my account pulled that wasnt there leaving it deep in the negatives. The cash app transfers need to be disputed so that Im refunded my funds from a fraud. I have the person cellphone number that somehow took money from my account and having me pay on it. I shouldnt have to use my money to fix my account just my money that was took from cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Early Warning Services, LLC
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
decided to proceed. He pulled up XXXX pay as my method, so I tried to pay that way. I was wondering why he was reverting to other payment methods rather than what is on the product screen, but I tried it his way anyways. When that didn't work, he gave me recommendations that he uses. Once of which was Zelle. It didnt register with me yet that I would have no way of getting a refund if he didnt actually go through with shipping it, so I went ahead and completed it that way. Once it was paid for in the amount of {$440.00}, he was still responding and assured me that it would be sent. But after a couple of hours I knew that I had made a big mistake because he immediately marked the product as available again on the product page. And then the following day he stopped responding all together. 2 hours after making the purchase I filed a claim to my bank, which was denied today.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Information that doesn't belong to me is reporting on my transunion credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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 called Bank of America using the number XXXX XXXX XXXX with my secured credit card number as XXXX to resolve. The Bank of America refused to correct and listen. I told them that I just found out from XXXX report that the Bank of America gave the APR info and it ruins my credit report. The percentage was 17.29 %. The Bank of America said no, it was 25.99 %. I told the Bank of America that when I requested for a SECURED credit card, he did not mention of the APR. Because if I KNEW it was that high, I would not accept their SECURED credit card and would look else. I did not know it was either 25.99 % according to the Bank of America yesterday or 17.29 % according to XXXX report. 

XXXX gave me a score of XXXX and I was happy with it. But as soon as I let XXXX  to look at my another bank which is XXXX XXXX XXXX XXXX XXXX to BOOST my credit score by using my phone bill ( XXXX ) as a way to gain points to prove of my ability to pay on time as I did in the past. However, the XXXX explored further other than utility bills and use the credit card information and punished me and reduced 10 points off. My credit score is now XXXX. I am not happy! The Bank of America never told me about the secured credit card with the APR. Honestly, I would not accept it at all! I am now looking for another bank 's SECURED credit card to help my credit record. As soon as I find one that is low on APR, I will shut account with Bank of America because they ripped me off by charging me every month on maintain fee and never told me about the APR. It is a dirty business. 
I don't know why XXXX has to hurt my credit report. It is MY MONEY I PUT INTO my secured credit card! It was {$8000.00}!! If I leave it in a checking account or saving accounting, it wont help with my credit record at all, so that is why I ordered a SECURED credit card, but it backfired!

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 2017-09-02
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Please be advised that this office represents XXXX and XXXX XXXX in connection with an effort by XXXX and XXXX XXXX to have their home loan modified. This file is much more than bare numerical calculation of expense and income, and it is our desire to be able to speak directly with the decision maker on this file. We are setting forth in this letter, reasons we feel warrant a forgiveness of the entire loan balance in this matter. 

As a reflection of both their good faith and dire need for a correction of the past deeds of U.S. Bank Home Loans, XXXX and XXXX XXXX are now coming to you and your company to enlist the support for a full principal loan balance forgiveness of the mortgage on their home. Per our borrower 's authorization that is enclosed, please direct all correspondence and communication on this file to our offices, and not to XXXX and XXXX XXXX. That is the desire and request of our clients, as per the authorization. If there is any further action that we need to take, and documents that we need to submit, in order to proceed in this fashion, please let our office know. In the past, my experience with U.S. Bank Home Loans, has been there is some disorganization and/or misdirection in the modification application process. 

I am sending this communication directly to your offices in the hope that this will be the efficient manner to facilitate a loan modification on behalf of our client. In addition, upon receipt of this package, I am requesting that the person on your staff who has the authority to speak with XXXX regarding our concerns would contact me immediately to review with me any additional information I would need to submit to arrive at a modification which is successful to my clients, as well as to discuss what we believe to be reasonable and appropriate terms of such a modification. 

This loan contains a " Balloon Note, '' dated XXXX XXXX, 2007 at a 9.375 % interest rate, in the amount of {$120000.00} ; is a predatory loan, and must be completely forgiven. This loan was a scheme on the behalf of U.S. Bank to further entrap them in their home. 

XXXX and XXXX XXXX have suffered through a number of Legal Offices which have coerced them into spending money for a loan modification ; these Legal Offices have been reported to the Proper Authorities, as they did nothing to help XXXX and XXXX XXXX to keep their home from foreclosure. 

Very Truly Yours, XXXX XXXX XXXX XXXX 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 2021-08-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates XXXX at XXXX XXXX XXXX XXXX, VA XXXX has been sending me collection notices in the amount of {$610.00} and calling me after I have asked them repeatedly to stop to the point I had to block their phone number. This collection has been reported as past due. I do not know this company nor have I ever done any business with them. Portfolio Recovery Associates XXXX does not have a contract with my signature and I do not owe them a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have requested debt validations and have not received any bonafide proof of the alleged debt owed. it is FRAUD. I have also sent certified mail return receipt to the credit bureaus and to the creditor directly. PLEASE REMOVE THIS FROM MY CREDIT REPORT!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-02
Company: EQUIFAX, INC.
State: WI
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: Their investigation did not fix an error on your report

Complaint:
I mailed a certified letter to Equifax on XXXX/XXXX/XXXX requesting method of verification for an account that is inaccurately reporting on my credit report. The company is AD XXXX XXXX SERVICES. Equifax received my certified letter on XXXX/XXXX/XXXX and mailed me a follow-up letter dated XXXX/XXXX/XXXX which I received in the mail on XXXX/XXXX/XXXX. However, the letter did not provide what I requested, which was method of verification. Furthermore, the letter stated that Equifax will not investigate which is a direct violation of my rights. I never asked XXXX to investigate in my most recent letter, I asked for method of verification. I requested the name, address, phone number, date and time of the person Equifax spoke with to verify this inaccurate information. I also requested the name, number, department and title of the person from Equifax claiming to have verified this information. According to the Fair Credit Reporting Act ( FCRA ) credit reporting agencies have to provide method of verification within 15 days of my request or the information must be deleted from my credit report. Since Equifax has been unsuccessful in providing method of verification for AD XXXX XXXX SERVICES I demand this inaccurate information be removed from my credit report immediately. I also want an updated copy of my credit report once this has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: Comerica
State: LA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Money was taken out of my account by Direct Express that was suppose to go to my mortgage company through XXXX XXXX but there was an error and the mortgage company was never paid. My problem is trying to get Direct Express to put it back in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
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:
Portfolio Recovery is reportinig inaccurately on my credit report. There are several accounts that are not mine.This debt is showing from XX/XX/XXXX but I never received anything from them stating it was my account. I disputed with the credit bureaus and it was updated fraudulently with XX/XX/XXXX dates. I have no recollection of this debt and want it removed immediately from my credit report. I sent a certified letter last month no response as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I been having trouble removing a fraud alert from Transunion for over 60 days. they keep giving me the run around. I want to get this done asap. this has caused me frustration.

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