BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-17
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
As part of a dissolution of marriage, the Court assigned the credit card debt to the former wife. The Bank was advised, but still sold the debt to Calvary, a collection agency. 

They were advised of the document, but filed a lawsuit in the XXXX Judicial Circuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: Seterus, Inc.
State: KS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
i send a cashier check for {$15000.00} XXXX XXXX XXXX to pay off my house but on XXXX XXXX XXXX my check was returned so I call to ask why they told me I didnot send enough money so i ask them how much more they needed they said they could not tell me and I would have to request a payoff amount they could not mail it or tell me over the phone it had to be mailed I received it on XXXX XXXX for XXXX more and a late fee i asked them how much was due on XXXX when they received my they would not tell me so I have been charge XXXX days of interest and a late fee on a house that should have been paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21
Company: Coastal Credit, LLC
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My car payment was due on XXXX XXXX, 2016. I was not able to pay this payment until XXXX XXXX, 2016. My car loan company is with Coastal Credit, this company call numerous time a day, from texting, cell phone calls, and house calls. Finally, this company sent a stranger to my house on XXXX XXXX, 2016 who never identified himself, only stated he wanted to hand me a letter from Coastal Credit, and requesting that I call them in front of him, while he was there. So I called Coastal Credit and I was put on hold for while and I finally told the man I had things to do and I paid my car payment on XXXX XXXX. The man verified my information, it was the same information that Coastal Credit all ready received, and the man then left after verifying information. Shortly after this Coastal Credit representative who name is XXXX called and left message on my phone to call her before Monday and she did not see the payment that I stated I paid. So I call Coastal Credit and I was unable to talk to XXXX due to the representative saying she was on the phone with another customer. So I begin stating that the reason why I was calling about the car payment and sending a stranger to my house. The representative begin to tell me that she did not see the car payment as well and I told her I did send it and the payment is showing up on my debit card transaction. The representative then proceed to say let me check another system, I was placed on hold again, and the payment is in the other system. So I begin to express my frustration with this situation, particularly with XXXX stating she did not see the payment, and sending a stranger to my house. The only answer the representative could give me is the stranger sent to my house is another way of communication. I told the representative I have previous loan companies and no one has ever sent anyone to my home. The representative told me she was not going back and forth me. I also told the representative that maybe they should check all there systems before stating someone did not pay their payment. Now granted I was late due financial issues and I have been working extra to catch my bills up, but I do not feel like I should be harassed like this from this company. Is this legal for a company to act in this manner?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: National Credit Adjusters, LLC
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:
I dispute national credit adjusters that was deleted from my credit report. XXXX put the collection back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I AM UNABLE TO OBTAIN CREDIT FROM ANY SOURCE SINCE COMPANIES WHO REQUEST MY CREDIT HISTORY RECEIVE NO HITS ON EQUIFAX OR XXXX. THEY ARE TELLING ME THAT I DONT HAVE ANY CREDIT. I 'VE HAD MY SS # FOR OVER 2 YEARS AND HAVE AN OPEN CREDIT CARD IN GOOD STANDING ORDER WITH XXXX AND HAVE A SCORE OF XXXX IN XXXX. I NEED TO KNOW HOW I CAN FIX THIS SINCE I NEED TO ESTABLISH CREDIT HISTORY BUT I 'M UNABLE TO DO SO IN THESE CIRCUMSTANCES

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Euifax credit report says XXXX hard credit inquiries by XXXX. I had taken a comcast connection on XXXX XXXX and explicitly asked not to do credit check. I informed them not to do credit check as i did n't have credit history.They took a deposit of XXXX dollars and agreed not to do the credit check. I want to dispute the credit check as the deposit was paid to comcast and they said they will not do credit check with the deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had home loan mortgage with Washington mutual bank from XXXX to XXXX, for year XXXX and XX/XX/XXXXmy real estate taxes paid on somebody else home instead of my home. My loan id # XXXX. I need payment history for year XX/XX/XXXXand XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: DISCOVER BANK
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
After 5 long arduous years, I finally managed to pay off my Discover card. Or so I thought. I contacted Discover to ask for the exact final amount, which I paid right then and there. I then asked to closed my account. I was transferred to " Account Retention '' where I spoke with another agent about closing my account. After listening to a litany of reasons why I should stay with Discover and keep my account open, I declined everything and asked ( once again ) to close my account. I was then told that I could n't do that ; that the account could n't be closed, only " inactivated. '' After several minutes of argument about that, and being told it was pretty much the only thing I could do, I had to accept this status. Little did I know that Discover 's version of " inactivated '' was very different from mine. 
Fast forward a couple of months, and now I am receiving notices from Discover that I have pending charges for late fees and interest. You can imagine my surprise. While the charges are still small-ish, the principal of it all has angered me enough to contemplate legal action, which I do n't want to do. 
I contacted Discover again, and expressed that I was not going to pay the charges due to their inherent lack of customer service, and their not following my initial request to close my account. I asked that they remove the charges, and stop contacting me going forward, otherwise I would take it as harassment. 
I would like to know what type of recourse I have in this situation. I do n't want this affecting my credit score, and while the amount is small, I do n't want it suddenly exploding into something more significant due to them compounding costs. They really are crooks in my opinion, leaving me ( the customer! ) with little choice but to continue to pay them for something I did n't want in the first place! What can I do in this situation?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
They kept adding late charges, my account kept going up instead of down. 
Took me about 9mo. to figure it out. I did call them and raised cane, because I was mailingpayment XXXX weeks before due date. She credited me one late fee. 
I still feel ripped off. I just finally paid off account XX/XX/2015. It should have been paid off a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Capital one is reporting me negatively to the credit bureaus as being 30 days late back in XXXX 2010 although they are well aware that it only happened once throughout the whole life time of the account and I had difficulty 's receiving my statements as I live in a big apt . building however, even after contacting them about it, advising them to correct it, as it causes me credit damage, and even after I was already promised by XXXX XXXX, it will be corrected they still continuing to report it negatively. despite that it 's not being reported to XXXX and XXXX with a late remark.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-10
Company: WELLS FARGO & COMPANY
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX Wells Fargo conducted an unauthorized hard check on inquiry on my credit report. I submitted an online request for Wells Fargo to contact the credit bureaus have the unauthorized inquiry removed. Instead of complying or providing me with an explanation for why they conducted a hard inquiry Wells Fargo asked me to file a request via mail. Since my experience with disputes by mail has been that they lack accountability and are often simply a way of dragging out the resolution process with the goal of discouraging the consumer from pursuing the issue I am filing a CFPB complaint instead.

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 2016-03-10
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have tried to obtain a modification from Wells Fargo and have been denied 5 times in the last few years. We paid our mortgage for 7 years before falling behind this last time. We worked with a Home Preservationist ( XXXX XXXX ) who indicated that we did n't have to keep making payments ; that at the end of the process all the past due would be put at the end of the loan. ( Please see documents at end of email to explain situation ) Please note the last statement we received indicate we were behind 13 payments of XXXX and the form dated XXXX/XXXX/XXXX states that the payment was {$980.00} and going to XXXX starting XXXX/XXXX/XXXX, which is not here yet. Also, after all we have gone through they are raising our payment and our interest rate! 
We want to keep our home and I have written to the CEO of Wells Fargo via email at least 3 times and he may have referred my inquiry to someone, but he did not answer me at all. I also spoke with a home preservationist recently ( XXXX XXXX ) who stated " some mortgages are not worth saving and maybe it is time to move on ) We have been fighting for almost 2 years and we do n't want to move on - if we did we would n't be fighting so hard.

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 2017-10-12
Company: Experian Information Solutions 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:
XXXX HAS NOT DONE A PROPER INVESTIGATION ON THE HARD INQUIRYS ON MY CREDIT REPORT. SINCE THE DATA BREACH THEY HAVE NOT DONE ANYTHING TO REMOVE ALL THE FRAUDULENT INQUIRYS ON MY REPORT. I DID NOT APPLY FOR CREDIT WITH ALL THOSE COMPANYS. I WOULD LIKE ALL THE INQUIRY 'S ON MY CREDIT REPORT REMOVED NOW. 

Under the Fair Debt Collection Practices Act Section 805 ( C ), it is my right to request that you cease contact with me. I am exercising my right to do so with this letter. I request that you immediately CEASE and DESIST all contact with me. 

If this final request does not prompt you to conduct a proper investigation of the items in question, or the immediate and complete REMOVAL of the INQUIRIES and NEGATIIVE COMMENTS from all my credit reports ( XXXX, Experian, and XXXX XXXX ) immediately. Please send proof to me of said investigation, I will file a civil suit in your county, or state for damages.
Your Company has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices 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 2017-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Hello, my wife opened a credit card in my name back in XX/XX/2013 that I was n't aware of till recently. I wrote a letter to capital one and so did she explaining what she had done and if they remove the negative remarks and account information off of my credit report. They said they where doing a investigation and it would be resolved. Do n't make any payments due to I would get reimburse and it would all come off of my credit in the end of the investigation. She wrote a letter asking for them to put the debt in her name and she would work on paying it off due to not wanting to have legal issues over this. They did a small investigation and never asked for additional information on this nore did they send a letter to me about questions as to how we wanted to proceed. They just decided to assign it with a new account number and considered it my debt???? My wife is willing to sign a reconciliation letter and pay it back but I do want this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card
Issue: Billing disputes

Complaint:
Capital One 's Fraud Department sent me an email asking to verify possible fraud on my account. I was attempting to verify that it was fraud and accidentally hit yes on the email and then I attempted to call them once I realized that I had selected the wrong option and I was on hold for 45 minutes mind you. Long story short, Ive had fraud on my account, and I did not receive or benefit from any of the services. I know for a fact that my signature was used to sign for any goods or services and almost 3 months later they are trying to hold me accountable for fraudulent charges that I did not make. Charges were made to big retailers like XXXX and such and I have already closed account the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-21
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do not owe Common Wealth Financial for a debt. I did not go to the hospital on the date they have listed for this transaction XXXX/XXXX/2013. I have had to dispute items with them before and they were removed because they were placed in their office in error and I believe that this had been placed within there office as an error again as well. I have a previous letter of Placement in error from them for past issue with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received an email from Capital One stating that my new chip card will shortly arrive ( see attached email ). However, the email listed the incorrect ending card number than what my actual debit card that should be replaced. Upon receiving my new chip card replacing my current debit card, I contacted Capital One by phone and spoke to a representative to activate my chip card. As stated in the attached email that I received, my old debit card should have been deactivated once the chip card was activated. I was notified that my old debit card was used when I placed a recurring order with a vendor, the charges went through and were deducted from my bank account. I contacted Capital One ( XXXX ) on XXXX/XXXX/15, she was unable to verify the card number associated with the attached email. Additionally, she stated that the representative that activated my chip card probably did not deactivate my old debit card. In summary, it concerns me that Capital One sends me correspondence ( see attached ) that does not reflect my correct debit card information and they do not follow their own policy to deactivate debit cards that have been replaced. There is no validation to their card issuance/deactivation process, thereby enabling cards that should be deactivated to remain open and putting consumers at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I closed my account with Capital One on XXXX XXXX, 2016 due to fraud activity and overall dissatisfaction with banking services. Since that date, the account was reopened without my knowledge, and several amounts of money were able to be withdrawn ( student loans, phone bill, cable and internet bill, store credit cards ) without my knowledge. I already made all of these payments with my new bank account causing double payments, and these transactions were putting my account in a negative balance when it was supposed to be closed. I have had to endure late payment fees, returned payment fees, and daily phone calls to companies, taking away from my personal and work time. I also spent 2 hours in a branch to be told that a bank manager had " no idea how to return money to a closed account. '' This was followed by a representative on the phone asking for her manager, and the manager also telling me, " I 'm not sure if I can put funds back in a closed account but I can research it for you. '' I was also charged a minimum balance fee for a closed account and am being told I can not get a refund of my own money because the account is closed and managers are not sure how to put the money back. My biggest issue currently is that I paid XXXX XXXX where the payment was unsuccessful and I was supposed to be notified by Capital One that the funds were released back to the bank so I could use the money to repay the violations. However, I received no notification and am now being charged a late fee of {$10.00} per ticket as well as a {$3.00} service fee for both transactions. I now have to dispute these charges totaling {$26.00} with a judge, when this could have all been avoided if the bank had better communication and did not allow my account to be reopened without my knowledge. I ultimately closed this account twice, because of how easy it is for unauthorized transactions to take place on a Capital One checking account and how lightly it is taken by the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Late fee

Complaint:
To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. I 'm writing because I noticed that my most recent credit report contains late payments on my Capital One account. 
I want you to know that I understand my financial obligations, and if it were n't for my job cutting my pay then I would have been able to make full payments instead of partial payments. I 'd have an excellent repayment record. I made a mistake in falling behind, but since then, I have received a pay raise and will be able to pay on time every month. 
I 'm planning to apply for a mortgage loan and it 's come to my attention that the missed payments on my record could hurt my ability to qualify. I truly believe that it does n't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment fees. 
Thank you for your consideration, and I hope you 'll approve my request. 
Best, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: Collection Service of Nevada
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
On my XXXX report I continue to dispute open collection status. The balance is XXXX but remains as an open collection and not closed. Item is not being reported correctly and should be a closed collection because I am no longer responsible for debt.

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 2016-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Trans union has a bankruptcy on my report that is incorrect

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 2016-05-29
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Why is the Federal Government supporting the new 3 % mortgage downpayment products recently being offered by Wells Fargo and XXXX? This is exactly what caused the housing crisis bubble which caused the 10 year depression we are just recovering from. There is no way that XXXX XXXX and XXXX XXXX should again be involved in underwriting these risky loans ... .Your organization should be fighting this new movement back to risky loans and business practices on the backs of taxpayers. I have already written my Senators and Congressman to step in and escalate this new movement so it 's more transparent to everyone ... ..please have someone in authority do something before it gets out of control ... and we all know it will! 
Regards, XXXX NC

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