BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-21
Company: EQUIFAX, INC.
State: NY
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 off said debt but my credit report still indicates that I currently still have a high balance due ; hence, it is affecting my credit debt percentage. The balance owed is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
I have never been late in any of my payments for the past 11 years. I made a payment but for some reason it did not reflect suddenly I get a 120 days late on my credit report. I paid off the entire loans. We are in COVID and working with a lender to save a minority owned business and this incorrect information is ruining the chances of saving my company. I went ahead and paid them off so that I don't have to deal with this. It is COVID there is a pandemic and these predators are doing anything necessary to prevent you from moving ahead. I am 100 % sure that I made a payment in the beginning of XXXX yet it is not reflecting. Just please be a decent human being and don't destroy my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-04
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax has my payment history wrong! This is making an impact on my score. They list me as paying 92 % of the time. The reason they say is because I have XXXX closed accounts for various reason, ( I.E. lost card, closed account ) all the accounts listed have XXXX balance but there is no payment history on the closed accounts, so Equifax has them listed as MISSED payments when in fact they are not. They give me a " VERY POOR '' payment history, this can prevent me from obtaining credit or force my interest rates higher. Their information is not the same as the other XXXX agencies that have it correct, NO MISSED PAYMENT 'S. My payment history is 100 % not 92 % as Equifax is telling prospective creditors!. They are perpetrating a lie and actually it is a slander to me personally. IF an agency can not verify a so called " fact '' it has to come off my report, not listed as a missed payments! I did not dispute with them because the credit agencies would rather help the creditors because they pay to report. They ( agencies ) do not make money from the consumer, hence the charges for a personal score or credit monitoring by the individual consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
In 2019, I tried to do business on XXXX. Because offline business was not very good, I had some products in stock, so I sold my goods on XXXX at a low price, but PayPal didn't know why it took my money away. As a result, my present life is difficult XX/XX/2019 PayPal - negative {$6700.00} XX/XX/XXXX Transfer P PayPal - negative {$6700.00} XX/XX/XXXX Transfer Loading transaction details for PayPal - negative {$6700.00} XX/XX/XXXX Transfer You reported a problem with this transaction. See the status of your case in the Resolution Center. 
Paid with Balance {$6700.00} Transaction ID XXXX Seller info PayPal Note {$6700.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: GENERAL BUSINESS RECOVERIES, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This collection company has reaged my debt without my permission causing in my credit score to plummet GEN BUS RECXXXX XXXX XXXX XX/XX/XXXXOpen $ XXXXAccount DetailsLast Reported XX/XX/XXXXCollection Agency GEN BUS RECOriginal Creditor XXXXStatus OpenOpened Date XX/XX/XXXXClosed Date -- Responsibility IndividualBalance $ XXXXHigh Balance $ XXXXRemarks Account information disputed by consumer, meets FCRA requirementsCreditor Contact DetailsGENERAL BUS RECOVERIES XXXX XXXX XXXX, XXXX ( XXXX ) XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I recently asked EQUIFAX to correct the credit line amount reporting on my XXXX XXXX account from {$2200.00} to {$2400.00}. Instead, they just deleted this open account. In addition, they have refused to delete " hard '' inquiries from XXXX XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX that were to have been done as " soft '' or " account review '' inquiries. They continue to refer me back to XXXX XXXX for deletion who in turn refers me to EQUIFAX for deletion in a never ending cycle which results in NOTHING getting resolved!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed it XXXX times and also called the collection card company and they refuse to take it off my report. They said that someone called in saying they were me and they had an attorney. I did n't sign for anything, this is n't my debt, something was bought online.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
A few years ago Equifax changed my date a birth in their system ( they somehow entered the month of my date of birth with the day and year of my wife 's date of birth ). They placed a freeze on my account saying I could not give them the right personal information but refused to tell me what information was not matching. I spent several months repeatedly sending my driver 's licence and other information in and enrolling in their credit monitoring service ( I was told this was the only way I could look at the information they had and find out what they had wrong ) before I was told it was taken care of. On XXXX/XXXX/16, I applied for a credit card and was told that Equifax still has the freeze on my account. I have tried to call, but the few times I get through I just get the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: Seterus, Inc.
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Some years back, I bought a small house through XXXX XXXX, in XXXX XXXX, WI. A bit after paying on the mortgage, with no late fees, no missed payments or problems, my wife and I received notification, that our mortgage had been sold to Seterus Company. It has been one nightmare after another since Seterus has taken over our mortgage. Rude, collection agency tactics, unresponsive to requests to speak with supervisors, speak to the main office, the complaint department or a manager. Lost payments we paid by the company and then requests for the same payment over again. Foreclosure threats, even before the payment date is due, applying payments late to our mortgage, though confirmation of them having received the payment many days before. My wife and I are at wits end. Could you please help us with this huge problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: INTERFIRST MORTGAGE COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To Whom It May Concern : I applied the refinance rate on my original home mortgage through Interfist Mortgage Company. Throughout the entire process, Interfirst Mortgage company misled me that my loan was approved, thus, I was forced to order the appraisal on my house for the amount of {$620.00}. Later on, my loan was denied and I had to pay out of my pocket for the appraisal fees. I have tried to contact XXXXnterfirst to resolve this issue internally many times through emails and voicemail but they ignored my email and my voice mail. My loan was denied due to lenghth of my employment, they should have known from the begin of the process that my loan was not approved due to my employment ( I start the new job ) because of COVID but they didn't say anything, they made me to go through the entire process until the last minutes and denied my loan although I had a good credit history. I had proof that they misled me to order the appraisal. Can you please publish this so other would not have to be on my situation. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have bee making my payments I usually always pay over the regular contracted amount I always call my payment in over the phone and speak with XXXX of the XXXX girls that work there and by paying over the contracted amount they always tell me you are paid ahead and do n't have to make a payment next month so when I called this month because I could n't remember the due date I was told I was due more than my regular contracted payment and I asked how can that be when I always pay over the contracted amount and you guys always tell me I 'm paid ahead and do n't have to make a payment next month XXXX just told me I have n't paid enough and I did n't understand what she was saying so I called back to speak with the manager but she was out so a guy that was helping out in the office for the day explain to me even if you are paid ahead you still have to make a payment ever month or late charges will be charged also interest will be charge and I asked him why was n't this explained to me at the closing of the loan and why every month when I call in to make a payment they tell me I 'm not even due a full payment and paid ahead when all along they just did this so they could charge me extra the gentlemen then told me they should have disclosed that to you I asked to speak with XXXX again and I asked her if she would mail me a copy of my payment history and she said she could not I asked if there is anyone else I could talk to and she said she would ask her supervisor she called me back and said her supervisor said she could not mail me a copy of my payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have been able to set up long term payments with all my other credit card companies to avoid having to declare bankruptcy due to the ongoing COVID situation that has reduced my income, however Capital One has not provided any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02
Company: NAVY FEDERAL CREDIT UNION
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
It all started on XXXX/XXXX/15 when I received an email describing a job for escrow agent for the XXXX XXXX company from XXXX XXXX. On XXXX/XXXX/15 I received another email stating that they needed this job filled immdiately. On XXXX/XXXX/15 I received a contract and a FAQ from XXXX XXXX. On XXXX/XXXX/15 I received an email from XXXX XXXX stating that XXXX XXXX welcomes me. On XXXX/XXXX/15 I received another email from XXXX XXXX advising me that I will be receiving payment from their customers for product received. On XXXX/XXXX/15 I received another email with invoices XXXX amt {$1100.00} and invoie XXXX amt {$1100.00} with instructions how to disburse the monies. On XXXX/XXXX/15 I received another email stating that I will be receiving 2 checks for the above invoices. They wanted me to use Reload-it cards to have the money sent to them once they cleard my bank but the Reload-it system was down. On XXXX/XXXX/15 I was sent an e-mail asking if there was a XXXX XXXX near me. 
On XXXX/XXXX/15 I was sent an e-mail instructing me how to dispense the funds via XXXX XXXX. After I sent the first XXXX XXXX for {$620.00} I was advised by my bank that I was overdrawn as the checks were returned by the Federal Reserve as fraudulent. I wasoverdrawn {$850.00} and now I have brought down my balance to a positive of {$150000.00}. 
I called the bank on XXXX/XXXX/15 and asked them if I could use my debit card but they told me that they were frozen. I am lving in XXXX XXXX and I have no money to pay my bills and I was hoping you could contact my bank and help me get my cards unfrozen. I have been withou funds since XXXX/XXXX/15 and now even with a positive balance I still can not access my funds which by the way is my social security. My bank is Navy Federal Credit Union XXXX. I have all the emails that started this whole fiasco if you need to see them I was the victim here and I feel that they are treating like a criminal. I did call Navy Federal Security Department and spoke to a XXXX who told me that they could not help me and I should report this to the XXXX Police which I did and they told me to file in XXXX which I did with the XXXX which forwards your compliant to the FBI, XXXX and the XXXX XXXX XXXX. All I need is my debit cards unfrozen so that I can have access to my funds

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
RE : Capitalone bank N.A. case no. # XXXX This is to inform you that Capitalone bank has removed the double charge by XXXX on my credit card. Thanks to CFPB. However, they still have not credited my account over {$800.00} that I have already made on the account balance of {$1600.00} to pay down the debt. I contacted Capital one bank and they said my $ XXXX payments will be credited to my account when the case is closed. Unfortunately however, Capital one bank have sent me a wrong billing statement due XX/XX/22 based on {$1600.00} instead of about $ XXXX balance that I am actually owing. ( statements enclosed ). 
I am appealing to CFPB to mandate capital one bank to credit my account the monies I have already paid on my credit card & stop charging me high interest rate based on wrong account balance. 
I am thanking CFPB in advance for assistance in resolving this very important matter. 

Yours Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
In a recent review of my credit report, I have noticed some errors. Please make the following changes : XX/XX/XXXX, I realized someone opened the TJ MAXX credit card under my name, left an unpaid balance and leave a negative effect on my credit report. I contact The Synchrony Bank : and make a Payment of {$170.00} today date XXXX 
Ref # XXXX. The account is closed. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 2016-03-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I submitted a Qualified Written Request to Wells Fargo Home Mortgage. I am attempting to obtain information about my FHA loan that is serviced by Wells Fargo. The request was sent as I have received conflicting information regarding the true investor is for my loan. Wells Fargo failed to provide any of the required documents per RESPA and Truth in Lending.

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 2015-12-28
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have contacted Wells Fargo ( XXXX lien holder ) in an effort to postpone foreclosure XXXX XXXX XXXX, 2016 XXXX on our home. We have been waiting for a payoff notification from Wells Fargo after repeated attempts to obtain it from them so that our XXXX lien holder ( SLS ) can approve their part of the short sale process. We have not been acknowledged through Wells Fargo for our requests and the requests of our Short Sale Title Agent XXXX XXXX. We have an open contract for the short sale and are currently being held up by Wells Fargo because they would rather foreclose on our house rather than sell it to an approved buyer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My existing debit card was about to expire, BofA sent a newly issued debit card but I have not received the new card. On XX/XX/2021, Someone used my new debit card XXXX same card number, I believe ) at XXXX store making XXXX separate unauthorized purchases totaling {$1100.00}. I reported the fraudulent card use to the Bank of America that same day and they canceled my card and temporarily refunded me the {$1100.00}. However on XX/XX/2021, BofA denies the claim stating below and did not provide any further information or proof and they will remove this temporary credit soon. 

The charge was authorized by you or by someone who has permission to use the card or account. 

I filed a police report, sent the police report to BofA. 
Big store like XXXX has multiple good XXXX, Has BofA checked the video footage? If so, please share. BofA sent me a fraud alert for this unauthorized transactions, implying this transaction is certainly out of ordinary. But now BofA denies the claim with no valid reason, I can not accept this decision. Please do a thorough investigation again including checking the video footage and refund my money ASAP. 

I am so disappointed to find out that my bank for 19 years does not stand up for me for valid fraud claim and thinks me as a criminal. I will follow through and do everything until this claim gets resolved. 

XXXX ID : 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 monetary relief
Consumer complaint received 2015-12-11
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
The client 's mother passed away. She provided the death certificate and deed showing that the house was in her name. We asked for an assumption and modification of the loan. It took Wells Fargo months to even code that the borrower had died and they refuse to accept the deed as proof of ownership and pursuant to the law provide an assumption.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: Bridgecrest Acceptance Corporation
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a car from XXXX XX/XX/XXXX. At that time I set up auto pay for my loan. In XXXX of the same year, I started getting calls from my salesperson re : the need for additional bank statements. XXXX is the bank, so I called the bank and they stated they needed no further information. 

I have made no late payments, but they reported me late XXXX of this year due to XXXX XXXX  reversal of all duplicate payments. 

I called numerous times to resolve the discrepancy to no avail. 

Just this month I paid my payment at XXXX. I gave them the account # XXXX, given to me by the collections department this past XXXX where they also had me pay several late payments. 

I learned this month that thst is not my account # at all. My account # is XXXX. 

No payment history has been provided to me as requested.

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 2021-04-19
Company: National Credit Systems,Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I wrote a letter to National Credit Systems , IncXXXX asking them to verify/validate the debt they state I owe. 

XX/XX/2021 my letter was sent via Certified Mail to " National Credit Systems XXXX Inc. XXXX. XXXX XXXX XXXX, GA XXXX '' XX/XX/2021 the letter was received and signed for. 

I waited the 30 days to receive a response from National Credit Systems Inc. 
I NEVER received a response to my letter, then on XX/XX/XXXX National Credit Systems Inc. reported the debt AGAIN to the credit bureaus. 

Given my rights, I know that if the collection is not validated within those 30 days then the debt collector must remove it from my credit and halt reporting it. 
National Credit Systems IncXXXX has not validated the debt and is unlawfully reporting this debt to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: Square Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
XX/XX/XXXX cash app took money an sent XXXX to a XXXX XXXX person looks like a scam so I contacted same day an said this was fraud they did there fake investigation and stated they cant do nothing about it so then I kept filing complaint then they said they cant speak to me anymore I've told them numerous times it was fraud I honestly believe cash app is a scam so then I filed through XXXX they acted like they investigated then stated that I told them to authorize those charges and there ok to do that when that never happen so I uploaded prof of my conversation and sent it to them an then they stated they cant speak about it anymore an have my account negative XXXX an are taking any money that is sent. 
It is there job to retrieve my money from the scam not mines my bank helped me but they need to fix the account.

Company response to consumer: Closed with explanation