BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
On XX/XX/2022 and XX/XX/2022 I inadvertently made two payments for the same amount ( {$1400.00} ) to my Capitol One Venture Card. 

When I realized the problem and checked my account, sure enough, I had a credit of that amount. 

I called to asked if I could either transfer those funds to my checking account ( the one tied to the credit card ) or use the funds to cover new charges. I was told, No, the only way you can recover those funds is by Capitol One sending you a paper checka process that will take approximately 14 days. 

If one adds the time it will take to cash the check and have access to the funds, Capitol One will be able to have access to the float for 17 days. 

Really?! Thats legal?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-20
Company: Regional Management Corporation
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Creditor violated the fair dept collection practice act ; by not allowing me to dispute this account or validating this account because I never received any notice of this dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I CHECK MY CREDIT REPORT AND NOTICE I HAD ACCOUNTS AND FRAUDULENT INFORMATION ON MY CREDI T PROFILE I CONTACTED XXXX, EXPERIAN AND XXXX  I ALSO MAILED THEM THE DOCUMENTS THEY REQUESTED ASKING THEM TO BLOCK AND DELETE THE INCORRECT INFORMAION THEY HAVE YET TO HELP ME WITH THIS 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 2020-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I applied for a refinance with a XXXX XXXX XXXX XXXX XXXX  through a loan officer,  XXXX XXXX. After waiting for a decision on an approval, a few months afterwards, I noticed that my current home lender ( XXXX XXXX  ) had done a hard pull on my credit through XXXX XXXX on XX/XX/2019, that I did not authorize. I mentioned this to XXXX since he was working on the refinance with a different bank. XXXX informed me that he had switched companies and pulled my credit with the new company. 

I did not authorize XXXX or XXXX XXXX to pull another credit report and process a refinance with that company. If I had known of the switch to a new company, I would not had authorized such a pull. To date, I have not signed any document authorizing XXXX to pull my credit or process any application for credit. 

I contacted XXXX and XXXX regarding the unauthorized pull and both directed me to contest it with the credit bureaus and it would be corrected. I contested the hard pulls with XXXX   and transunion. I received a copy of an unsigned loan application from XXXX XXXX XXXX  along with a notice regarding Identity theft. The unsigned loan application was apparently generated after my credit was pulled without my permission and has no bearing on whether I authorized a credit inquiry. To date, the inquiries have not been removed from the credit reports. 

This hard credit pull has impacted my credit score negatively and has limited my refinance option with other lenders.

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 2017-01-13
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed the account XXXX XXXX with Equifax several times, and have even contacted the company since XX/XX/2016. The company/creditor listed on my credit file ( XXXX XXXX ) was contacted via certified USPS return receipt each time, I requested them to send me verifiable proof that this account is mine. I have never received any information from XXXX XXXX verifying that this account is mine, through verifiable proof or a contractual agreement that I had with them showing that I agreed to pay this amount. I have allowed well over the amount of time requested for XXXX XXXX to supply the information / proof to me. It 's been over 120 days, since I started the dispute. I have also notified Equifax that this was a fraudulent account and Equifax has done nothing to correct, rectify or investigate the matter. I have contacted Equifax on several occasions, once again via certified XXXX return receipt as proof, which their representative signed for each letter that I have sent them since XX/XX/2016. I called the Equifax four days ago and a representative told me that XXXX XXXX had been removed off of my credit file, however, I received two emails today, and therefore, called Equifax and the representative that I spoke to this morning stated that XXXX XXXX was still on my credit file report as an account reporting as closed account with a balance due. I asked her why, because the previous representative told me that the account was not showing on my credit file, however, the representative that I spoke to today, was very short and rude to me also. Previously, I had to request a manager. However, I have sent them all documents showing that my homes had been broken into, and Equifax has refused to take this account ( XXXX XXXX ) along with the inquires that were listed off of my account. I am asking for the assistance of the Bureau of Consumer Financial Protection to enforce the rights of the consumers by demanding that Equifax remove all inquires and XXXX XXXX from my credit file immediately! I have also attached police reports where my XXXX homes were broken into, and my identity was stolen, while I was away from my house over 6 months due to work related assignments. I have also attached a police report where my vehicle was broken into, as well. I have sent Equifax these same police reports, but they refused to upload the police reports, where my identity was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Bread Financial Holdings, Inc.
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Complained about identity theft to this company many times. Read numerous reported from other fraud victims about this shady company not fixing their problems either. I have a police report to prove everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am unable to access my equifax credit report. I have been denied credit because of the inability to pull the credit report. I am applying for a mortgage and can not gain access to my report. I have called numerous times to no avail. I filed a complaint here an it was fixed for approximately a week, then again reverted to not being accessible. I have purchased there product to protect my credit. They continue to charge my account {$19.00} even though I am unable to access my reports. This needs to be rectified, so I can access my report for a home purchase. I was not even able to access their reply to my first complaint. I need a call from the executive office to explain why this continues to occur. It is an error on their part with their software. I plan to hire an attorney if this is not corrected permanently. I am aware of multiple other people with the same problem and believe a class action law suit would be in order. This must be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: DISCOVER BANK
State: MN
Product: Credit card
Issue: Billing disputes

Complaint:
I have attempted to contact Discover for over 3 months about an issue their website and the calculations of the current balance. Multiple times I have went to my activity and it computes my current balance with the following formula. Last Statement Balance - Payments and Credits + Transactions = Current Balance. However, many of the times when I review this information the math does not add up. Everyone of these times it has show that my current balance is more that it really can when you do the math. It makes it seem that Discover is simply taking this additional money and hoping that I do n't catch it. I have informed Discover of this multiple time over the course of 3 months. Every time I was told they were working on this issue but do not have an exact date as to when this problem with be fixed. Well, I have given them over 3 MONTHS to fix this issue and it still is not fixed. I feel that the company is not telling me the truth and actually are not working on the issue. This seems like a very unethical practice for a financial institution. How can a large company not resolve a simple IT issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
The original price of the mortgage was to be {$340000.00}. When we got to closing the price had been increased wothout prior warning or explanation by {$60000.00}, which was the exact amount the lender allowed for repairs and other improvements to be made to the property, however, so how the mortgager increased the price by that amount. 
Due to the drastic nature of price and/or fees change ( increase ) presented at the closing, there is reason to believe that there were violations of both the Truth in Lending Act and RESPA. The price of the residential mortgage was increased by {$60000.00} at the closing, without warning, nor prior discussion, thus increasing the price to {$400000.00} for an older XXXX bedroom home, very predatory pricing for the particular area. It is hoped that the reasoning for this can be uncovered and rectified during the course of this investigation, and any resulting negotiations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: IL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy XXXX XXXX which is a fraudulent account and should 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 2021-08-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I applied for a refinance loan with Wells Fargo and was charged {$690.00} on XXXX XX/XX/2021 for appraisal. The appraisal was performed on XXXX XX/XX/2021. However, the appraisal did not take into account the new XXXX ( granny unit ) and any of the improvements to the house. My property was improved by more than 80 % and the appraisal value from Wells Fargo 's appraisal was the same as a 2-year old appraisal. In the last 2 years, my house taxes have almost doubled due to this improvement. The appraiser did not seem to be an independent appraiser. She didn't give me her card and wouldn't respond to my texts after the appraisal completed. By law, I should be able to appeal this appraisal. I have contacted my Loan Officer ( contact information below ) to appeal this appraisal for the last 7 weeks and even though he agreed that the appraisal was incomplete and he promised me, via email, multiple times that he is going to send me the appeal documents so I can appeal, he never did. He said he will credit me during the loan closing. However, due to the fact that they have taken more than 90 days to process my loan, I have already applied to another bank and will hope to close with them. I would like Wells Fargo to refund my {$690.00} since they refused to provide me appeal documents. 

Please see attached a few of my emails requesting this appeal and Wells Fargo 's response. 

XXXX XXXX Mortgage Consultant NMLSR ID XXXX Wells Fargo Home Mortgage | XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX ( XXXX ) XXXX | Cell XXXX | Fax 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 2020-03-07
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: NJ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recieved a notice in the mail on XX/XX/2020 stating that I had a balance of {$3000.00} from my student loan. I tried contacting the company but kept getting rerouted to different people until the final one which I had left a voice mail. I do not owe anything on my student loan, and I also have the XXXX XXXX app and that to also states that i have a XXXX balance and the account was closed. The name of the company is US department of education national payment center.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24
Company: WESTERN UNION COMPANY, THE
State: NJ
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I am XXXX years old. I was conned into transferring money via Western Union to an individual in XXXX. The amount was {$450.00}. Below is a copy of the letter I wrote to the US Attorney General on the matter. I hope you will be able to help me get back my money and also put an end to the harassment that includes : freezing my computer, freezing my XXXX mail account, freezing my Internet while I am on it. The scam artists profess to be " certified engineers '' working for " XXXX 's XXXX XXXX XXXX. They are very clever in the proofs they offer to help individuals like me who encountered problems while using my computer. Please review the details of the letter I am attaching. The money transfer occurred on XXXX XXXX, 2015 at XXXX. from XXXX # XXXX in XXXX XXXX, XXXX, XXXX. The money was wired to XXXX XXXX in XXXX. Converstion password was " XXXX. '' Telephone contact for service was XXXX. The man you perpetrated the fraud was from " XXXX XXXX. '' Their representatives worked with me from telephone contact numbers such as : XXXX, XXXX, XXXX, and XXXX. They promised computer technical support they never provided. Instead, they took control over my computer and my programs in it. Please HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Bayview loan servicing and their foreclosing firm, XXXX XXXX has wrongfully collected funds from the sale of my foreclosed house. Bayview billed and collected money from me beyond what was fair and legal. 

The attached ledger shows that in their statement of what I owed, Bayview billed me twice for the foreclosing attorney 's fees. 
Arrowed XXXX and XXXX in the attached documents. 
I was charged {$660.00} on XXXX/XXXX/2016 on behalf of the attorney 's firm, XXXX XXXX. Then the same charge was billed to me again on the ledger of attorney fees, which I was billed again {$660.00} on XXXX/XXXX/2016, then {$75.00} XXXX/XXXX/2016, and {$310.00} on XXXX/XXXX/2016 all on behalf of the attorney. The {$660.00} appearing twice is a double billing and an improper charge. 

The attached information also details property inspections by Bayview for 3 years which I was not aware of, I was not notified,, I was never billed, and the payment for these so called property inspections they claim are paid by their corporate office without my knowledge and consent. They have collected {$1300.00} for these inspections, which I knew nothing of. They billed for these inspections even in months when my mortgage note was paid, and they never notified me. It is fraud and unfair act against FDCPA. 

XXXX XXXX also collected additional {$690.00} fees from the surplus of the sale after all their services had been billed and collected by the lender from me. I complained to the firm that it is atrocious, and any agreement of charges was between them and the lender who hired them. Since they were hired by the lender and paid by the lender who billed me for all fair services, under the law, any direct additional billing by XXXX XXXX is unfair under FDCPA and I do not agree.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: Klarna AB
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/2020, I purchased a dirt bike from Orionpowersports and chose XXXX to finance a 12 month 0 % interest from the vendor website. I created a XXXX account and checked off the autopay feature. I linked my bank account to XXXX as directed. 

I then tried to enter the payment amount for the autopay feature and ended up instead, sending an {$80.00} payment to XXXX. XXXX handles all of their incoming contacts via a call center. One can open a chat session or call but the call center will not transfer call nor provide a person 's email. 

What I was told, is that autopay will pull the payment from my connected bank account for the amount of the minimum payment due from the current 25th statement. Then, if you want you can manually add to that minimum amount to make the payment whatever you want so that you have a {$0.00} balance after 12 months. Each manual payment would be different since the balance owed changes each month. 

I looked up references plus used my 69 years of experience to question how an autopay plan needs a manual adjustment. Autoplans usually have a fixed amount with a set number of months and is designed to have a {$0.00} balance at the term-end so that there is no finance charge due.

I reached out to Klarna through chat but they just repeated the minimum payment procedure. I have come to believe that this is an intentional plan on Klarna 's part.

My financing of {$1500.00} using the minimum amount ( about $ 32/mo. ) amount due method would have left me with a balance at the 12 month end date of about {$1100.00}. I would have to make a balloon payment or have the interest for the 12 months added to my balance. 

I believe that this is a deceptive and deliberate practice on Klarna 's part to have customers come up short and be charged interest. I have already made arrangements to payoff my balance and close my loan out so I am not personally looking for anything from Klarna. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Chase is discriminatory in their lending practice. It is very distasteful that they treat United States XXXX XXXX Veteran Service Members in this matter for property purchased while on XXXX XXXX. 

For over 6 months I have tried to process an assumption loan. Chase mortgage denied my assumption package although I qualified for all of the requirements of XXXX. 

I provided Chase with every piece of information requested and the criteria for information changed or contradicted their preceding request for information. This will be my 5th complaint on the matter. 

My denial stated I had insufficient funds. ( XXXX XXXX ) After an inquiry back to Chase in XXXX XXXX thru the CFPB. I was told that the new reason my file was denied was because my documentation was too old and I did have sufficient assets. 

The recent bank statements that were provide ended the period XXXX XXXX and were submitted to Chase on XXXX XXXX XXXX. I can not provide a XXXX bank statement if the month had not ended. Furthermore, all of the reserve requirements were met at my initial application in XXXX XXXX when 1 year of bank statements, IRA, and investment account balances were presented. The additional bank statements requested and provided on XXXX XXXX were of the same account or greater when provided in XXXX XXXX. 

Chase held onto my documentation for over six months and then told me what I provided was inadequate, even with providing documentation for the prior month. 

All of the calls at Chase are recorded, so you can hear what instructions were given to me. I have spoken to the same representative from Chase, XXXX XXXX, where he told me what to provide. The final piece of proof I was told to provide additional proof of funds. And I did that. 

Now the reason for my denial has changed from insufficient assets to inadequate documents. I do n't understand how the same documents that demonstrated adequacy of funds are now not adequate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: DISCOVER BANK
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On  XXXX   XXXX  of    2017  I was double charged {$660.00} for an enterprise purchase in  XXXX . I alerted discover card and they investigated the issue only to investigate it as fraud instead of a double charge. I have now been charged the money twice for over 2 months with no resolution from discover besides " pay my bill ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Ive been sending in disputes to remove these accounts off my credit. I didnt know these accounts where on my credit until I tried to purchase a home. These are not my accounts.

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