BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-07
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX  I  have sent the same below to  XXXX   ,   XXXX  via their RESPA address provided online ( attached ). *** I am in receipt of the attached letter stating that my recent payment was returned to you unpaid and a {$25.00} fee was assessed. I would like to know what recent payment you are specifically referring to as the attached pay history reflects my {$1000.00} payment applied on  XXXX / XXXX /   2017  and deducted from my bank account on  XXXX / XXXX /  2017  .  XXXX  erroneously applied a payment on  XXXX / XXXX /   2017  in the amount of {$1000.00} and then reversed the payment. I need this explained as I did not authorize a payment in the amount of {$1000.00} and should not be penalized with the fees of this action.   I called  XXXX , my banking institution, and they have no record of  XXXX  attempting to pull the {$1000.00} out on  XXXX / XXXX /   2017  so why is this being described as a Bank Return? I have spoken to the following representatives at  XXXX  :  XXXX  ID #  XXXX ,  XXXX  ID #  XXXX  and  XXXX  ID #  XXXX  and received a DIFFERENT story each time of whats going on- which paints a pretty clear picture.   On the bottom of the letter, there is a fee total of {$50.00}. Please explain this amount.   Please explain why my  XXXX / XXXX /   2017  statement reflects a {$0.00} fee balance and my  XXXX / XXXX /   2017 statement now reflects a {$70.00} fee balance. The Real Estate Settlement Procedures Act ( RESPA )  1026.41  ( d ) (  1 )  states all fees are to be noted on my statement. The {$70.00} fee on my  XXXX / XXXX /   2017  statement does not add up to the fees provided on the pay history sent to me by  XXXX  ID #  XXXX   (  attached ). Why are the statutory exp. corporate advances assessed on  XXXX / XXXX / 2017 ,  XXXX / XXXX / 2017  (  XXXX  FEES ASSESSED SAME DAY ),  XXXX / XXXX / 2017 , and  XXXX / XXXX /   2017  not reflected on my billing statement? Please provide a complete breakdown of EACH of those fees.     Sincerely,  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 2019-12-05
Company: Synovus Bank
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/2019-XX/XX/2019 I noticed account on credit file and have attempted to resolve this fraudulent account on my credit account I have been unable to resolve issues with this account and company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: Experian Information Solutions Inc.
State: PA
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 has been exposed in multiple data breaches and has resulted in identity fraud. Someone has gotten a hold of my information and is using it to fraudulently open accounts in my name. I just got a copy of my credit report and examined numerous fraudulent account on my report reviewed

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 2017-06-07
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My compla int is about Ditech Mortgage company,. It has been a nightmare trying to communicate with this company. My husband and I are tired of Ditech rep orting us late to the credit bureau agencies.  <P/> This has been occurring for years and the most recent was  XXXX   2017 . We schedule payments online so we will not be late. Years ago, I will mail a check on the  XXXX  of the month and they would say that they did not receive it until the  XXXX . Which would make us late.  <P/> We decided to make payments online because of this reason, and we are still being reported late.  <P/> I called the customer service and the agent told me that the system does not recognize when you make a payment early. We started making payments between  XXXX .  <P/> 
Ditech has so  me shady practices and they need to be investigated seriously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: EQUIFAX, INC.
State: PA
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 am a victim of identity theft. My personal information and identity is being used to fraudently obtain accounts. My information was exposed over 3 times in the last 4 months and my personal information was used 6 months ago. The fair credit reporting act section 605-B states i have the right to have this information removed due to the fact that i am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: Bread Financial Holdings, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
O n   XXXX   XXXX  , 2017 , a s usual, I paid off  my one-year-old    XXXX   XXXX   XXXX   Account, ( owned by Comenity Bank in  XXXX , Ohi o ) in  the amount of {$63.00}. The payment was sent through the company 's Website late in the evening on  XXXX   XXXX , the due date. I believed everything was paid off and had no balance. On the next month 's statement, however, the bank added a {$27.00} late charge. I have never paid the account late. I inquired about the reason for the late charge and I was told that the payment I made did not reach the bank by the required payment hour of  XXXX   XXXX  on the due date. I was appalled by this and went through a string of " supervisors '' to demand they retract the late charge. When it was refused, I demanded they close my account and I also told them I would not pay this charge.   I have made no additional purchases on this account. In my mind, the account is closed. However, the bank now adds another late charge EACH MONTH, and now is increasing the late charge to this CLOSED ACCOUNT. I am  XXXX   XXXX   XXXX  and live on Social Security. I ca n not imagine the audacity of this so-called bank to make this unjust charge. Please send them a messag e that this can not be justified.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-07
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Over the course of the la st three months, I have made additional monthly payments to my student loan online in order to pay down specific loans ( ones with the lowest balance, but highest interest rate ) that I am targeting, but the additional payments are not being applied correctly and end up paying off more interest than the principal balance. I have made over 10 calls and th eir representatives can not give me a straight answer on why this keeps occurring. They respond that they will submit a request to find out why this is occurring. After several months of my student loan payment allocation decreasing the amount I pay towards the monthly interest,  XXXX  saw an increase of {$300.00} towards interest payments. I want to understand how this is possible being that I also make additional payments to decrease the overall balance of the loan thereby reducing the monthly interest that is accrued. Something is definitely incorrect about how my payments are being allocated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: Affiliated Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent Affiliated Acceptance Corporation a debt validation letter over 2 weeks ago and I am yet to receive a response from them. They have failed to respond to my request for validation and I have attached my debt validation letter below.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Wells Fargo Dealer services contacted my apartment complex manager in o rder to collect a 30 day late payment after I made a partial payment towards the debt. They claimed they " we can call whomever we see fit, in order to collect a debt no matter how late. '' This is unacceptable.

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 2019-12-05
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian does not report 2 credit card accounts I have had for years. account ending In : XXXX and account ending In:XXXX Experian deleted my accounts that I have with XXXX XXXX XXXX . I have not ask or requested to Experian to delete my accounts that are active. It seems I had this problem with Experian before with this same issue.

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 2019-12-05
Company: Experian Information Solutions Inc.
State: PA
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 personal information and identity is being used to fraudently obtain accounts. My information was exposed over 3 times in the last 4 months and my personal information was used 6 months ago. I have the right to have this information removed due to the fact that i am a victim 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 non-monetary relief
Consumer complaint received 2023-01-11
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received statements from both Discover and XXXX XXXX in XXXX of XXXX indicating that I owed balances on credit card accounts. On XX/XX/XXXX, I sent letters to the XXXX or each company requesting that they validate the alleged debts within 10 days by providing information as required by USC 1692 ( G ). After not receiving validation of the debts, I followed up with the companies. On XX/XX/XXXX I sent a Notice of Fault to each company informing them that I still had not received the required items to validate a debt per USC 1692 ( G ), and asked them once again to provide the items required by the USC to validate a debt. Since I still had not received validation of the alleged debts from either company by XX/XX/XXXX, I submitted an FTC Identify Theft Report. I submitted this report since I believe that these accounts are fraudulent, and I am the victim of identify theft. As of XX/XX/XXXX, I have still not received validation that these debts belong to me. I have, however, received calls, letters, and texts from both companies repeatedly demanding payment for these alleged debts. Recently, Discover sent me a letter indicating that they were preparing to file a lawsuit against me for failure to pay this alleged debt. Additionally, aside from harassment, Discover and the Credit Reporting Agencies ( XXXX, XXXX, XXXX ) have damaged my financial reputation by indicating that I owe these debts. With this complaint I am once again requesting that Discover provide validation that this debt belongs to me per USC 1692 ( G ). If no such validation can be provided, I demand that these accounts be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: JPMORGAN CHASE & CO.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
I received a check that was deposited for {$200.00} and that was added to my account on  XXXX   XXXX . Yesterday,  XXXX   XXXX , Chase Bank returned the deposit and charged me an unexpected {$12.00} for their deposit return.  <P/> Today,  XXXX   XXXX , I calle  d Chase and asked them what happened. The representative explained that the items in question were indeed a returned deposit and fee. They said that Chase accepted the check, deposited the amount, and then did their research. They then said they returned the deposit due to insufficient funds in the other account. Ultimately, the representative said I needed to talk to the other person involved and find out why this happened.
<P/>
The other person in question is my wife. She is a joint holder with Chase but also h  as a  XXXX    XXXX   account. She wrote a check on  XXXX   XXXX  to essentially transfer {$200.00} from her account to o  ur Chase account. Her check cleared, it seems, almost instantly since the Chase account received the deposit. Yet three days later her deposit was returned and I ( along with her technically ) got hit with a {$12.00} fee that was n't my fault.
<P/>
I hope this is cleared up and hopefully things will be good. Our Chase a  ccount is  XXXX  and some change because of this situation. I hope at least the {$12.00} is reversed as that fee is absolutely ridiculous. Even though the other person is my wife, I feel like it 's not right for the check recipient to be penalized for something out of their control. If the other person was n't my wife, and was rather someone I knew not tied to my account, I feel this would be even more egregious.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to a Capital One bank location in XXXX Texas to make a {$360.00} cash deposit into my checking account using the atm. The atm was counting my cash and then kept making clicking noises. The atm screen popped up a message that the atm will not be able to except or give cash transactions and my card was returned. I got my card and then notice the atm took itself out of service. I call Capital One and made a claim to be advised it would be 10 days for a credit to be applied. I would assume since they told me that this issues are just unheard of, they would have investigated with urgency. After my first car payment was returned for NSF, I drove by the atm to see it has been serviced and back in use.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Opened a credit card with American Express in XXXX while in college. Credit card account was cancelled in XXXX XXXX with a balance of {$3600.00}. I was making sporadic payments through the end of XXXX and XXXX. Due to new employment, I have been making aggressive payments since XXXX of XXXX to pay off debt on card. I made a payment of {$500.00} on XXXX/XXXX/XXXX, a payment of {$400.00} on XXXX/XXXX/XXXX, a payment of {$500.00} on XXXX/XXXX/XXXX, {$400.00} on XXXX/XXXX/XXXX, and {$500.00} on XXXX/XXXX/XXXX. I try to make a payment for XXXX of XXXX and the website tells me I can not pay through their website, and to call the number on the back of my cancelled credit card. I call the CC company and they inform me they no longer have the debt and that I can not make payment. After transferring me between three different departments and nine different representatives, they are unable to provide me any information on who I need to make a payment to and that they have no information on my account. Logging in through the credit card company, I can see the minimum payment due on XXXX XXXX XXXX {$170.00} ) in addition to recent payments and total balance still owed ( {$1200.00} ). Company will not allow me to make payments on my debt, which according to multiple representatives, is still being held by the CC  company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-07
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
i dont remember when this happened but it was back in XXXX i have id theft also but when i did get this loan out i had lost my job 5 days later and i had not been able to pay today XX/XX/XXXX they called my mom which is going through some problems becasue my father had an accident and told her that they were calling from the county and that i had a warrent for my arrest because of this loan my mom was very scared because of the arrest and the worry of my fathers health i need help i cant do this at the moment i bearly started working again and i am a single mom of XXXX  and they dont want to help me to pay them back

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: Experian Information Solutions Inc.
State: CA
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: Problem getting your free annual credit report

Complaint:
TRIED TO REQUEST MY XXXX  CREDIT REPORT ONLINE AND IT FIRST SHOWED THAT MY INFORMATION WAS NOT ACCURATE AND IT COULD NOT GENERATE MY CREDIT REPORT. I TRIED A SECOND TIME AND IT SHOWED THAT I HAD ALREADY REQUESTED MY CREDIT REPORT AND COULD NO LONGER REQUEST IT UNTIL NEXT YEAR. 

FOR EXPERIAN AN ERROR MESSAGE POPPED UP THAT READ : Error code XXXX This request was blocked by the security rules XXXX XXXX XXXX Your XXXX XXXX ( ID XXXX ) Incident ID : XXXX IT DID NOT ALLOW ME TO EVEN REQUEST THE CREDIT REPORT. 

FOR BOTH COMPANIES I CALLED THE XXXX XXXX XXXX PHONE LINE AND REQUEST THROUGH THE PHONE PROCESS, XXXX BOTH XXXX  AND EXPERIAN, HAVE NOT RECEIVED CREDIT REPORT BY MAIL EITHER.

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 2019-12-05
Company: EQUIFAX, 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:
id theft victim XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Attempted to contact on XX/XX/XXXX to get information regarding original debt. I was told this was debt from another debt collection company and they didnt have that info. This was told to me by XXXX when I called Collection Bureaux of America. She stated that the date of credit was in XX/XX/2015. We looked back through all bills and we did not apply for any credit that would have gone unpaid or to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: CITIBANK, N.A.
State: FL
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:
Checked   XXXX   XXXX   and there is a hard inquiry fr om Cbna ( R etail, Not Elsewhere Classified ) on    XXXX   XXXX   XXXX  .  I never authorized a credit check for anybody in the past 2 years. it is showing up on my   XXXX   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 non-monetary relief