BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX OF 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 2021-12-24
Company: EQUIFAX, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: ECMC GROUP, INC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received a missed call to my business phone number on  XXXX / XXXX /  XXXX   at  XXXX   XXXX   XXXX   from  XXXX   XXXX   XXXX   XXXX . They did not leave a message.     Received another call to my business phone number on  XXXX / XXXX /  XXXX   at   XXXX   XXXX   form  XXXX   XXXX   XXXX   XXXX . They did not leave a message.     I called the numbers back from my personal cell phone to find out who the calls were from. Both phone numbers picked up with an automated system for  " ECMC ' s default management. '' On my phone call to  XXXX   XXXX   XXXX   XXXX  on  XXXX / XXXX /  XXXX   at    XXXX   XXXX    I was connected with a representative. The representative asked me for my personal social security number or account number and I let her know that I was calling because I received missed calls. She asked for the phone number that they had contacted and I let her know that it was the business phone.     She gave me the name of someone that I know and I let her know that the number they reached was the business line and that the person that they were trying to contact was not allowed to take personal calls at that phone number and to please make a record of that fact.     She pressed on and told me that they were attempting to garnish this individual 's wages and that they were going to file a non-compliant employer for my company at the address  XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX . I told her that I was not associated with that address. She asked for more information, but I told her that I was not at liberty to provide any information and asked that it be recorded that the person their company was trying to contact was not allowed to take personal calls at the business phone number.     I feel that I was given private information about an individual that violated their privacy.     Thank you.

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 2015-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
On XXXX XXXX, 2015 I received my monthly credit card statement for my Visa card issued from Capital One and found XXXX transactions that occurred in XXXX different states from XXXX XXXX, 2015 to XXXX XXXX, 2015 when I had charged my credit card within XXXX County, VA ( XXXX, VA ; XXXX, VA ; XXXX, VA ) where I live and was in school these dates. 

I reported the following charges as fraudulent to Capital One under my Visa card ending in XXXX today to start an investigation in the following transactions:XX/XX/XXXX XXXX XXXX # XXXX = {$180.00} XX/XX/XXXX XXXX = {$160.00}! XXXX XXXX XXXX # XXXX XXXX = $ XXXX have never been to any of these areas and have no idea where they are. I have contacted the Capital One Fraud and Legal departments to start the investigation of these XXXX transactions as of XXXX XXXX XXXX XXXX XXXX, 2015. I stated to Capital One that I want to press criminal charges against anyone involved in charging these fraudulent transactions. 

I have not paid the total charge of {$540.00} as of today on these fraudulent transactions and have been informed by Capital One that these transactions mentioned above will be refunded on my credit card statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
Please reference last complaint from Capital One Subject : Your submission, [ Case number : XXXX ] XXXX XXXX from Capital advised she would listen to calls and would get back to me with an answer but never returned my calls. I tired teaching XXXX XXXX from Capital One but was unable to reach her at the number she provided, every time I would call the line would be busy and so I would reach out to someone else at Capital One only to be advised that they tired and the line was busy. Capital One has left me in a financial mess with my other creditors, they refuse to reissue the Access checks/ reissues the checks they returned due to fraud on my account. Capital One also has false advertisement about the Access checks I was told I could use the checks for balance transfers, but the limit was never disclosed on the letter as to how much only the interest rates/ special offer to get 12 months of 0 percent interests rates.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On my Bank of America Acct. XXXX, I made an auto pmt. for {$1200.00} on XX/XX/2017. My IRS check did not come in until XX/XX/2017 and the check did not clear. Bank of America changed their policy to deduct the check when it is issued from the account versus when it is deposited by the recipient. I called Customer Service and they told me to issue another auto pay check as the first one ( check # XXXX ) did not clear. I made another payment with check # XXXX. The next day both checks cleared. I called Bill Pay and they told me that Customer Service should not have told me that. They then voided the check # XXXX. Both checks were sent to the Texas Attorney General Child Support Division. Their processor received both checks and forwarded the amount to the recipient prior to depositing the check. They then sent me the attached letter. I called them and said this was a bank error and I paid the correct amount of child support. I tried to arrange a call with both Bank of America and the Child Support Payment processor on the phone, but they said they need a letter from Bank of America on their letterhead stating this was a bank error. Bank of America said their attorneys would have to approve this and they can not fax a letter to the Child Support Div. I have filed a formal complain with the Texas Attorney General 's Office and now with Bank of America as they are incorrectly presuming I have committed an offense and this matter may be referred for criminal prosecution. Until Bank of America provides the requested information, I can not send the Child Support Div. checks. Please provide to the Texas Attorney General 's Office Child Support Div. the information they have requested at your earliest convenience. The bank policy should not be to deduct the amount from my account when the check is mailed but when the check is cashed. Similarly, the Child Support Div. should not forward money that was not cleared their bank.

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 2017-05-08
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been making regular payments on my mortgage serviced by  Caliber Home  Loans. Back in  XX/XX/XXXX  the escrow was ajusted of which I have no record of receiving and I am in a Winter home at that time so the mail was an issue. However once I was aware I made every effort to correct and with each payment that was not the full amount of the payment they conviently placed in a suspense account and began posting late fees etc, I have since been in contact with them in both   XX/XX/XXXX  and again in  XX/XX/XXXX   with the same response " your payment was late '' not once was the payment late. They have reported to credit agencies that the payment was late. I sent in additional payments to correct and am still told I have not made my payment. I call d again on Friday  XX/XX/XXXX  with no satisfaction, I then asked to speak with a supervisor and was told it may take 24 to 36 hours and   I was fine with that. On Monday I recieved a message on my phone from  XXXX  and I calle d back to a machine so I left a message to please call between  XXXX  and  XXXX  so I could have everything in front of me. I received no call back. It is now  XXXX  no call. I believe what they are doing with these payments is illegal. They are forcing late fees to hit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Capitol One has been calling me between 4 and 6 times a day. I just recently got back to work after an illness that resulted in hospitalization and the loss of my job. The phone calls are now causing a strain at my new place of employment and may result in the loss of this job as well. I have asked them to stop calling and have blocked several numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Capita l One Auto f inance pulled my credit  three  times in      XXXX   XXXX   2016.   I  did apply to refinance my truck loan in    XXXX    2016 but, I do not understand why my credit was pulled three times? Fo  r the same loan. I have disputed these with all   XXXX  cr edit agencies and with in 24 hours I am   being told these are factual.     I have been told by the credit agencies that if the inquiries are all within 14 days, it will not adversely affect my FICO score. The irony here is that  Capital one de clined me for a credit line increase on my credit card because I had too many inquiries.          XXXX  :  XX/XX/2016 ,  XX/XX/2016 ,  XX/XX/2016 ,  XX/XX/2016    XXXX   :  XX/XX/2016 ,  XX/XX/2016 ,  XX/XX/2016   XXXX  :  XX/XX/16 ,  XX/XX/16 ,  XX/XX/16

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: Experian Information Solutions Inc.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian is reporting obsolete information in which I am asking again for the old accounts to please immediately be removed. I have contacted Experian and they have not removed the old accounts. All accounts exceed  XXXX  years in which easily verified by dates opened. The accounts are not attached to any other accounts and within removal date status. I am attaching a previous request sent to Experian requesting the following accounts which exceeds  XXXX  years of age to be deleted from my credit file. Again I am asking for the following old accounts to be removed as they are too old to be on my credit file.       XXXX   XXXX    XXXX  ... .Date opened  XXXX    XXXX    XXXX  ... .Date opened  XXXX   XXXX  ... .Date opened  XXXX   XXXX   XXXX   XXXX  ... .Date opened  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ...  XXXX  opened  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX  ... .Date opened  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 2016-04-21
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I received multiple daily calls from navient beginning in XXXX. Navient continued to email my work email after I submitted XXXX response emails requesting not contact my work email address although they continued to contact my work email address soliciting payments. I have submitted XXXX complaints to the states XXXX regarding the total disregard of my written request for navient to stop contacting my work email address. The last straw was when I received a email request to postpone my student loan payments on XXXX XXXX, 2016, in which I replied yes, then reiterated for the third time not to contact my work email address. On XXXX XXXX, 2016, I received a email stating that my forbearance was approved. On XXXX XXXX, 2016, I received a email stating that my forbearance is ending. I my response is literally " unbelievable. '' Never once was it discussed regarding the student loan forgiveness program. I worked in a civil service capacity for over 8 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: Essential Retrieval Group
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Calls from both XXXX and XXXX claiming to be ERG and threatening legal action without providing any proof of debit or stating what the amount of the debit is.

Company response to consumer: Untimely response
Consumer complaint received 2017-05-08
Company: CITIBANK, N.A.
State: LA
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:
CITI Bank, XXXX XXXX XXXX, XXXX OR, XXXX Credit Card Holder XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA, XXXX Account Ending XXXX Received letter dated XXXX XXXX, 2017 that I previously enrolled in Credit Protector, optional debt protection program. In which I was charged a monthly fee. I had NO knowledge of being enrolled in this program. I was told to enter reference number XXXX and Tracking Number 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 2017-05-08
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
On  XXXX ,  XXXX   XXXX  I contacted Experian in regards to several inquiries on my credit report that I did not authorize. I contacted them after first submitting a dispute online for the accounts. The results returned showing none of these accounts removed from my report. On  Sunday ,  XXXX   XXXX , I received a notification from  XXXX   XXXX , the company that is working on my behalf to help restore credit, stating my credit report had changed. Upon logging into my account it reflected  6  new inquiries to my report as of  XXXX   XXXX ,   XXXX   in addition to those inquiries already on my report prior to the dispute. I contacted Experian again on  XXXX   XXXX  in regards to this and was advised that there are no new inquiries and any inquiries on my report would remain there for 2 years.     The accounts that updated showing negative hard inquiries as of  XXXX   XXXX  were  XXXX   XXXX ,  XXXX   XXXX ,  XXXX  Card, and  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 2015-09-03
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I went to XXXX XXXX University in XXXX, GA from XXXX, I took out private loans to cover the additional cost of school not knowing the difference between federal and private loans at the time because my financial advisor did not do a good job at educating me, or answering questions. There were times that this private loan would say that I owed them money but I started going to another school so it should have been deferred. In recent years, they started back calling and I would give them {$150.00} for a forbearance because they state that I only had a certain amount of years for this loan to stay deferred. Not something I was aware of but I paid the forbearance not knowing that eventually that would run out too. Now I 'm up to over $ 100K in debt with this loan and they are telling me that my forbearance time has run out and I need to pay them. When they go over my finances they see money that I do n't see so what I 'm telling them I can pay they are not accepting to it and telling me what they want me to pay. I have talk to supervisors several times who are n't willing to budge and override so that I can give them what I have. One person told me that it would be okay to give them all my money that I have and they do n't care what happens in the event of an emergency. At this point I 'm just broken because I 'm actually trying to pay on my debt and they are making it extremely difficult. Not to mention that they are so rude as if I owe them money personally.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My student loan entered into a retro-active general forebearance effective  XX/XX/XXXX  through  XX/XX/XXXX . My credit report is reflecting a 90 day late payment as of   XXXX   XXXX   because the forebearance was approved in  XXXX . I spoke with an agent @   XXXX   CST on  XX/XX/XXXX  and she was able to confirm the approved forebearance ; however, she stated they letter sent indicates any negative reporting will remain on an individuals credit file even though no payment was due during the timeframe in which they are stating the payment was late. The documentation I received does not reflect corrections would not be made. The agent I spoke with refused to provide me with any information to attempt to resolve and discuss this issue further. She could only provide a mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: Experian Information Solutions Inc.
State: VA
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 have fraudulent inquiries on my account. I disputed these through internet as well as phone calls and they are telling me it ca n't be deleted. Experian, XXXX and XXXX : XXXX XXXX X/2016 XXXX : XXXX XXXX XX/XX/2016 XXXX : XXXX XXXX XXXX-2016

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 2015-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We sent the final principal payoff amount for our home mortgage to Capital One on XX/XX/2105. We contacted the company last week and they confirmed receipt of our check, but stated it would take 3 days more to credit the final payment. It has now been 7 days ( 5 business days ) since they said they would credit our final payment, and XXXX calendar days since the payment was sent. We are concerned that they are dragging their feet, and we do not trust that they will fulfill their contractual responsibilities to close out our fully paid mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have loans with Navient and I the repayment options are impossible. I do n't see how the repay is this high, the interest is high as well. I feel that Im being over charged. The constant harassing calls, emails, and letters are out of control

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Applied with Bank of America for the reduced loan rate. Application was denied as paying on time. House or property is in Florida and mortgage owed on it is more than it is worth ( low loan to value ratio ). XXXX XXXX XXXX XXXX and house valued is in low XXXX. What are my options? Is the bank allowed to deny my request for a lower interest rate? Currently have a 6.75 % rate. Would like a lower rate from the bank. Is that possible?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: AFNI INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This account was previously listed by another company about a year ago and as the result of a dispute, the account was removed from my credit bureau reports. The account has since been sold, again to AFNI who has attempted to re-age the account and has not made any attempts to verify or validate this debt in the amount of {$550.00}.

Company response to consumer: Closed with explanation