BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have tried contacting the company to enable some of the features on my account and/or to close my account. I get put on hold and never got to a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: LEXISNEXIS
State: FL
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:
I've been trying to get a copy of my Lexis Nexis / XXXX XXXX report for the longest and every time i fill out the form, I never receive anything in the mail. I am frustrated because I need to dispute incorrect information from my report that's preventing me from obtaining lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
unknown addresses on my credit profile.

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 2016-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Trans Union had a glitch in their system that violated the right of their consumers under Section 6.11. Ask a result I have been greatly affected and my credit score is suffering as result. No notice was ever given which is also a violation. I am requesting that all inquiries during this time be removed.

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 2015-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Issue: Transaction issue

Complaint:
I am writing to file a complaint against Bank of America Credit card for refusing to reverse the charges I incurred for purchase of a defective item I made on XXXX for the amount of {$320.00} from an E-bay seller " penandbeyound '' ( see attachment page XXXX ). The purchase was made towards XXXX XXXX XXXX XXXX fountain pens. I had originally complained to BofA after sending back XXXX item ( {$210.00} ) as it was DEFECTIVE ( the inner mechanism does not work ) not " broken '' as the seller claims, and wanted the seller to refund me the {$210.00} only. This XXXX item was sent back by - USPS certified mail XXXX XXXX XXXX XXXX XXXX dt XXXX - ( see attachment pages XXXX ). While BofA was investigating, XXXX decided the case in my favor and sent me an e-mail requesting me to send back both the items I purchased from " penandbeyond '' ( see attachment page XXXX ). I returned the remaining XXXX item as I had already returned the first item and I send this second item back by - USPS certified mail XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX ( see attachment page XXXX ). BofA originally sent me a form letter to fill out and send it back with the information ( see attachment pages XXXX ) which I did on XXXX. Unfortunately, BofA has not yet contacted me nor has it reversed the charge of {$320.00}. I have attached copies of all the documents that I sent BofA for your perusal. Please help me get back my money for the XXXX fountain pens I bought and subsequently returned. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2016-12-03
Company: HW Holding, Inc
State: NV
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:
HUNTER WARFIELD, INC has continued to report a past dept from XXXX to XXXX and back and fourth without offering me a settlement option in order to destroy my credit history, they where removed from my credit report for the same dept but later re-reported with an even higher balance and I would like to resolve this dept but am unable to because of no contact settlement information from this collection agency!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: HW Holding, Inc
State: KY
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:
We had no hot water in the kitchen to properly clean our dishes. This went on for 1 1/2 months. And we had no heat in our apartment which caused us to live in our bedroom with XXXX portable heaters that we purchased. Per Kentucky tenant Code KRS 383.545, landlords are required to supply these to all tenants which they did not. So we initiated our right per KY law 383.625 to terminate our lease. We paid XX/XX/2015 and moved out XXXX XXXX, 2015. We only had 1 month left on our lease which was XX/XX/2015. Our rent was {$1000.00}. We lawfully terminated our lease and they 're trying to collect a debt we do not owe.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a debt owed to XXXX XXXX Emergency Room in XXXX 2016 directly to the emergency room online. In XXXX 2016 I received notification from XXXX that a new, unpaid collection was added to my report from AmCol. I disputed and the collection was removed. In XX/XX/2016 I received a letter that previous attempts to collect the debt had been unsuccessful. Several days later on XXXX XXXX, XXXX alerts me that I have an unpaid collection from AmCol on my report. I dispute directly with XXXX. On XXXX XXXX XXXX alerts me that the collection for XXXX is updated as a paid collection, in addition they reported the debt to XXXX. 

I have never heard of AmCol except for these two instances. I paid my debt directly to the emergency room. Under no circumstance should this be on my report, not only that but if AmCol was legitimately the owner of the debt they should have been aware the debt was unpaid and they tried to claim that they had not been paid. This is deceptive and appears to be an attempt to collect more money. As a result my credit score has suffered negatively dropping XXXX on XXXX and XXXX on XXXX. This is not a result of my negligence. I held up my responsibility to pay the hospital directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My personal information on my credit report is incorrect starting with my name, address. Experian showing my personal information misspelled names and my current address showing old addresses listed below -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- NAME ALSO KNOWN AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX PERSONAL STATEMENTS XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING 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 2022-11-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I do not owe this debt. 
A different company I have no affiliation with or ever have permissions to is trying to contact me and while at work after multiple times of being told I dont owe them anything due no affiliations. The debt has been written off and closed with no attempt in my part to be able to pay because it has been close after telling them Covid affected my pay

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Account Number:XXXX Property Address : XXXX XXXX XXXX XXXX XXXX FL XXXX Servicer : Ocwen Loan Servicing On XXXX XXXX, XXXX GMAC initiated a foreclosure action against XXXX in the Circuit Court of XXXX County , Florida . 
On XXXX XXXX, XXXX GMAC recorded in XXXX County Official Official Record a bogus mortgage assignment purportedly executed by XXXX XXXX an alleged Assistant Secretary of XXXX XXXX XXXX XXXX , XXXX ( XXXX ). The assignment shows an execution date of XXXX XXXX, XXXX. There is no evidence that XXXX has any authority to assign the mortgage. 

The law office of XXXX XXXX XXXX prepared and recorded the bogus mortgage assignment on behalf of GMAC. 
On XXXX XXXX, XXXX, the court dismissed without prejudice GMAC complaint for lack of standing. 
On XXXX XXXX, XXXX, GMAC filed its first Amended Complaint, wherein GMAC stated the mortgage loan went into default on XXXX XXXX, XXXX. 
GMAC alleges that the new principal on the Note is {$180000.00}. The alleged original Note shows an initial principal balance of {$170000.00}. Due to the negative amortization of the loan, the Note principal balance has increased by {$10000.00} ( {$180000.00} - {$170000.00} ). GMAC has not paid the required documentary stamp tax on the increased value of the Note, making the note unenforceable. 

Though the alleged original promissory note did not carry an endorsement from XXXX XXXX XXXX XXXX, GMAC claimed ownership of the mortgage loan by way of an Assignment of Mortgage from XXXX. 

GMAC obtained an unconscionable advantage by concealing and/or misrepresenting the true owner of the beneficial interest in the subject loan and/or the amount owed. 

Despite such actual knowledge as to XXXX ' limitations and preclusions, GMAC intentionally and willfully uttered, in writing throughout foreclosure proceedings, the false and fraudulent misrepresentations as to XXXX for the sole and specific purpose of manufacturing bogus " Assignments '' of mortgages in order to institute and further fraudulent foreclosure proceedings with the intent of committing theft of real property. 

On XXXX XXXX, XXXX, XXXX XXXX was substituted as plaintiff with Ocwen as the servicer due to GMAC bankruptcy filing. 
Ocwen is now trying to foreclose on the property knowing that it has no standing to do so and that the note is unenforceable. A trial is scheduled for XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: Integrity Solution Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX owned this debt with account number : XXXX. I contacted XXXX XXXX XXXX to verify this account that was not being reported accurately on my credit report. XXXX sent me a letter on XXXX/XXXX/2014, after reviewing their account on file they were deleting it from my credit report. The account was deleted from all three credit reports. Two months later the same account was sold to " XXXX XXXX '', I contacted them several times to dispute this account that had been closed. XXXX did not respond to my debt verification disputes for the past few months. XXXX resold the same account two weeks ago to another collection agency called " XXXX XXXX XXXX XXXX, formerly Integrity Solution Services ''. This account was closed from the original collection agency due to inaccurate reporting, and now has been affecting my ability to establish credit. XXXX has been ignoring my mail correspondence regarding the validation of this debt, and sold it again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: Ocwen Financial Corporation
State: IN
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They would call XXXX times a day plus weekends and hang up when the answering machine comes on. If I answer, there would be no one there or a person you ca n't understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX : {$0.00}

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 explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: FL
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:
( SEE ATTACHED PROOF OF FRAUDULENT ) EXPERIAN CONTINUES TO BE WILLFULLY NON-COMPLIANCE AND ASSIST AND XXXX IN FRAUDULENT ACTIVITIES AFTER PAST COMMUNICATIONS XXXX AND XXXX HAS CONFIRMED XXXX XXXX IS A FRAUDULENT ACCOUNT AND HAS DELETED AND REMOVED XXXX XXXX  ACCOUNT AFTER SENDING SAME DOCUMENTATION TO EXPERIAN CURRENTLY EXPERIAN IS GOING THROUGH A LAWSUIT DUE TO IRRESPONSIBLE SECURITY OF CONSUMERS INFORMATION I MAY AS WELL BE ONE OF THESE VICTIMS PLEASE DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My servicer Ocwen Loan Servicing modified my mortgage as of XXXX XXXX, 2015. My original loan payment was {$940.00}. The new loan payment was supposed to be {$910.00}. The final modification documents was signed on XXXX/XXXX/2015. Whereby, the loan was supposed to be modified to the new {$910.00} short afterwards with the account being brought to a current status. Ocwen input the Principal balance adjustment to the account on XXXX XXXX, 2015 per their transaction history records. But, Ocwen failed to alter my mortgage account to a current status as stated in my modification agreement. I tried paying my monthly mortgage paying on XXXX XXXX, 2015. But, the payment was returned on XXXX XXXX, 2015 due to the servicer showing the loan past due for the XXXX XXXX, 2015 monthly payment. The account was sold to Residential Credit Solutions on XXXX/XXXX/2015 without the problem with the modification not corrected. I tried to talk with my contacts at Residential Credit Solutions in order to get the problem addressed. But, the contacts at RCS stated that the accounts was past due. I needed to pay the account current. I am asking that the account be corrected by RCS. Otherwise, the account needs to be transferred back to Ocwen in order that they can correct the issue with the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I have a simple car loan with Capital One, starting XXXX, XXXX. My fixed interest rate as written on my contract is 3.35 % and the Finance Charge at the end of the loan is {$850.00}. I noticed every month my auto statement for payment the interest rate fluctuates. I called Capital One on XXXX/XXXX/XXXX to ask why it fluctuates, the rep, XXXX, said yes, it 's a fixed rate but you are being charged a daily interest rate and it {$.00} per day. I said what is it, daily interest rate? She said I do n't know, I have to ask. I waited for almost XXXX minutes and she came back on the line and said a supervisor said it 's a charge by the bank so I pay my loan off. I said WHAT? I 'm paying an interest rate of 3.35 % to pay off this loan. She said would you like to speak to a supervisor, I said yes. A supervisor came on the line, right away and I asked him where on my contract does it say a daily interest charge will apply. He said you signed the contract and it 's in the Finance Charge that you will pay at the end of your loan, I said WHAT, THIS IS FRAUD. A CONTRACT IS A CONTRACT AND YOU CA N'T ADD ON OTHER INTEREST CHARGES. How can this hidden fee be allowed? A contact is a contract. If I decided to lower my payment because I thought it was something I wanted to do I ca n't. A contract is a binding contract. No where is it written about a daily interest fee charge on my contract. A contract is a binding contract and I feel they are defrauding me and charging me a hidden fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Valor Intelligent Processing, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX calls, texts, and emails me regarding a debt owed by " XXXX XXXX '' to the XXXX. 

I have notified them multiple times that I am not this person, I do not know this person, etc. 

I have had my cell phone number for over 20 years, this debt is not mine. They state they will remove me, a month or two passed and they are back calling and texting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
In XXXX of XXXX  a payment was reported 30 days late on my report. Apparently the payment was due on XXXX XXXX, XXXX  and was on auto pay which pulled on XXXX XXXX and apparently returned for whatever reason on XX/XX/XXXX. I was never notified that the payment was returned nor was i given the option to make a payment. By XX/XX/XXXX the next payment was due and likewise was taken out of the account because it was on auto pay as well. The XX/XX/2022 reporting of a 30 day late payment is totally inaccurate. From XXXX XXXX XX/XX/XXXX is NOT 30 days, its in-fact 28 days. This means this company was allowed to falsely report on my credit report and has been falsely reporting on my credit report for the past 8 months.

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