BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XXXX XXXX, 2017 I contacted Capital One Credit Card because my card was assessed a fee of {$39.00}. I was informed the fee was for the annual membership in which I denoted I did n't want to pay someone to spend my money. I was transferred to a Supervisor and she supposedly upgraded me to a new card. I initially had the XXXX XXXX card but inquired about a card that would give me mileage and rewards. The Supervisor did n't know of all the rewards with the mileage card but stated I would not have a fee. In addition, she gave me a promotion to reduce my interest. On XXXX XXXX 2017 I contacted Capital 1 and spoke to representative XXXX regarding receiving multiple credit cards one card was a Venture Rewards card and the other card was a XXXX XXXX. I advised the agent that I 'm suppose to have a Venture Rewards card that is accumulating miles and cash rewards. I told her I was upset that all the cards were being mailed given I was the victim of identity theft. On XXXX XXXX 2017 I spoke with representative XXXX XXXX to have the call reviewed because I received another credit card in the mail. Also, she denoted I have a XXXX card but I pointed out the card I have is a Venture card in my wallet. She gave me a {$25.00} credit for the inconvenience and advised it takes 24-48 hours to review the call. On XXXX XXXX 2017 I contacted Capital 1 to see why I had not heard from anyone. I spoke to XXXX who stated they reviewed my call and I agreed to keep the XXXX. I asked if the person reviewing the call to hear that the representative did n't know of all the options for the card but I wanted the Venture Rewards card with no fee, mileage accrual, and cash back. I also asked when they contacted me because it was not on my cell phone at XXXX. If so, to provide a date so I could check my call register. XXXX advised me that although my account has Venture Rewards, I possess a XXXX, my benefits are those of a XXXX XXXX. I denoted that was misleading to me as a consumer. In addition to, my credit on my account was switched over to miles then to a check. Would he could check with IT to confirm? I find myself outraged that I 'm forced to have something that I do n't want. Needless to say, he alleges that the XXXX was for the confusion. I attempted to correct him by stating the XXXX was for the fact that Capital 1 sent me 3-4 cards in the mail knowing I was previously a victim of identity theft and having to  continuously call into their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage sent a statement that stated that the payment due on XX/XX/2020 was {$14000.00}. 

I mailed a check to PHH Mortgage in the amount of {$14000.00} on XX/XX/2020. 

On XX/XX/2020, I received a letter from PHH Mortgage stating : " Enclosed please find a copy of your check with check number XXXX in the amount of {$14000.00}. This payment is being returned for the following reason : the amount provided is insufficient to cure the default. '' PHH Mortgage is incorrect. I did not send check number XXXX in the amount of {$14000.00}. Attached to their letter they provided a copy of my check number XXXX which is made out in the amount of {$14000.00}. 

I have no outstanding principal owed on this mortgage. They are proceeding to foreclose while making almost impossible for me to resolve this issue with them. I sent the amount of money they asked for and send it back for erroneous reasons.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: Worldwide Processing Group, LLC
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Me and my family are getting called repeatedly by Forward Movement Recovery ( XXXX ) for an online payday loan that i have never taken out. They are threatening to call my employer and threatening to call the police. I believe this is some sort of scam to steal personal information. The debt is not valid. And they will not send proof of debt or identify the who is original owner of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: EQUIFAX, 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 submitted a letter to the Equifax Credit Bureau ( " DATE OF PREVIOUS LETTER '' ) to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
My information was impacted by the XXXX data breach and may have got into the hands of the wrong person. i have been contacting transunion about accounts that is on my credit report that doesn't belong to me over 3 months. i demand this be deleted immediately.

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 2020-01-02
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
They have made a mistake and everytime I call they even admit it but it never gets fixed. Some how they keep saying a XXXX XXXX   dollar a year insurance policy was taken out on my house. I have paperwork that says its XXXX dollars a year.I cant even make payments they say it will go into suspense cause the escrow account is all messed up from their mistake. The company is XXXX XXXX my name is XXXX XXXX.My # is XXXX - XXXX please help I call and stay on hold for up to 3 hours but it never gets fixed I have done this over 5 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: Experian Information Solutions Inc.
State: TX
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:
Im a victim of identity theft and the credit bureaus have not properly investigated my file and have not removed the items I addressed as a result of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
Walmart credit card closed my account stating returned payments. The payments were returned because of an error when we changed banks. All payments were corrected and made on time. Further, my wife also had a Walmart card and hers was reinstated after the same problem.

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 2016-11-20
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Synchrony Bank, a debt collector for my Amazon.com Store card, initates calls outside of the XXXX - XXXX time frame, specifically on the weekends. I receive called on the weekends. I receive 4-5 calls daily.

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 2022-07-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$840.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$920.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I continuously received bill in the mail that I was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. I got my report back and I was furious with the amounts of the accounts on my report that I know do not belong to me. XXXX, XXXX XXXX XXXX ( Original Creditor : 11 XXXX XXXX  ), There are also inquires that were not authorized by me : XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX | XX/XX/XXXX. I have contact the FTC and local police and doing this on my own behalf. Please remove these items off my 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 2022-07-27
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX BANK is unlawfully furnishing a charge off on my consumer report with out following federal Laws such as Fair Credit Reporting act and Fair Debt collection practices act. My Rights to privacy as a consumer were violated nor did i give written Instructions to do so, Which are Both required by Federal Laws. I would Like for my consumer report with all XXXX Credit reporting agencies reflecting the collection removed and updated to my report as Paid as agreed. Original assumed Creditor : XXXX XXXX XXXX  Acct # XXXX In accordance with the Fair Credit Reporting act and Fair Debt Collection Practices Act XXXX XXXX XXXX has violated my Consumer rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : the term " consumer report '' does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 s-2 7 ( e ) No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency. 15 USC 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Violation of The GLBA ( Gramm-Leach-Bliley Act )

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 2022-01-24
Company: Genesis FS Card Services, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Ny Indigo Credit Card was used to make an online purchase in XX/XX/2021. I immediately notified the card issuer and consequently my account, after a two week investigation by the card issuer, was credited for the unauthorized purchase. Two month later, the card issuer put the charge back on my account XXXXafter I paid the account off0. I received no notice and despite numerous phone calls to the card issuer I have been unable to ascertain why the charge was placed back on my account and I have been unable to gave the charge removed or received reasons why it is not being removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: AMA Advisors, LLC.
State: SC
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: Problem with personal statement of dispute

Complaint:
I refinance my mortgage in XXXX of this year I was told I didnt have to make a payment to the new mortgage until XX/XX/XXXX the mortgage company sent the payoff check to my mortgage company and it was short they sent a check back but three weeks went by I found that out made a payment for XXXX to try to save my credit report the mortgage company since sent the correct payment with the XXXXirst mortgage company report and me being late 30 days to no fault of mine Im trying to fix it with them but they giving me a hard time Ive even sent letters from the mortgage company saying it was their fault what am I supposed to do

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: NAVY FEDERAL CREDIT UNION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
In XX/XX/2019 my checking account at Navy Federal Credit Union was closed due to charge off, the XXXX dollars I owe is primarily due to bank fees from Navy Federal. The multiple {$29.00} charges were due to XXXX trying to process payments on my account. The funds were not available, but XXXX never received the money they were attempting to collect, and Navy Federal never issued them payment. So I was not over drafted. That was until Navy Federal started processing fees for ebays attempts. Then I stated to receive overdraft fees on top of the fees for the attempted account debits. Navy federal kept my savings account open and I was using it to deposit and cash checks that I receive. Well with out any warning or notice they decided to keep my last check deposit to collect for their fees. I have no access to the details because they have locked my account online and through the app. So I can not even see what I owe in total for exactly! Since I had been allowed to cash checks since the closed checking account I had no idea they would keep all of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I experienced a hardship due to covid around XX/XX/XXXX. I called Carrington Mortgage and was put in a forebearance program. The forebearance was up in XX/XX/XXXX. I called back and was told that my forebearance was up. I spoke to someone in their customer service. She stated that I would be put in another forebearance plan. She said that I did not have to call back and would be put on it for another extension. I called back a month later and they said that they did not say that. I called the advocate Dept and was told to fill out the loss mitigation application. I done that and was told they would look into what was told to me by management. I have been getting the run around and just trying to protect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: Statebridge Company
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced my loan with another company and closed on XX/XX/2018. I have yet to receive my escrow monies in the amount of XXXX from my old company Statebridge. I called on or about XX/XX/XXXX and spoke with a woman named XXXX who stated I could not talk to anyone in that dept, but she would open up a inquiry and call me back when she received an answer. I asked to know when it was being sent to me. After no communication I called again on XX/XX/XXXX and spoke with XXXX who told me it was still being processed and could give me no date on a issue. She did verify my refund amount at the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: EQUIFAX, INC.
State: NC
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:
It has been found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX XXXX  XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$890.00} ; XXXX XXXX XXXX Balance XXXX {$330.00} ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: DISCOVER BANK
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Hello, I had credit card debt with Discover Bank in the amount of {$2300.00}. I was contacted by company called " XXXX XXXX XXXX '' XXXX, spoke with a person named XXXX XXXX. This person indicated that they were the new collection agency assigned the debt and if I did not set up payment arrangements with them right at the time speaking with them that they would place a bank levy on my bank account and just take my money. So I gave them my routing and account number and arranged 3 payments in the amount of {$770.00} and the debt would be considered pain in full. Afterwards I was contact by the actual law firm in charge of collecting the debt, XXXX, XXXX XXXX XXXX, XXXX. which then I realized I was scammed and XXXX XXXX XXXX had stolen my money. 

1st payment was an electronic check on XX/XX/20 for {$770.00} 2nd payment was an electronic check on XX/XX/20 for {$770.00} 3rd payment was an electronic check on XX/XX/20 for {$770.00} Total amount stolen {$2300.00} I have not been able to get back in tough with XXXX XXXX XXXX. They will not return my calls. I am not able to find their mailing address. We need to trace where the money went but I don't have the ability to do that. 

I am contacting my bank 's fraud department. I have contacted the law firm holding the debt, XXXX, XXXX XXXX XXXX. I have contacted Discover Bank. I will filing a police report. 

XXXX, XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, NJ XXXX Office : XXXX Fax : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: Big Picture Loans, LLC
State: MI
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Hello, this is a " tribal loan '' which I did not know and they are charging almost 850 % interest on a short term loan. Which was never explained to me. I received a call and was told " oh no problem, one time charge to start the loan '', the customer rep was vague and talked very fast. Until I started getting withdrawls from my account and called and was then explained the scam I got myself into. I was not informed of this interest rate and was unable to view the " truth in lending '' disclosure until after the loan had been processed and funds delivered. I believe this is wrong and illegal to do business like this. The company is Red Rock Tribal Lending, XXXX XXXX. CastlePayday.com ( now bigpictureloans.com ) XXXXXXXX XXXX, XXXX, MI XXXX PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$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 non-monetary relief