BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-05
Company: Caliber Home Loans, Inc.
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a copy of a forbearance plan that caliber home loans put together on XX/XX/XXXX. 
I called and spoke with caliber home loans on XX/XX/XXXX about some additional details with the loan. 
I sent the letter off at the post office in XXXX XXXX, OK with the provided envelope from caliber home loans. The letter was going to XXXX XXXX. ( Is a 2 day delivery time with USPS. ) I called caliber home loans on XX/XX/XXXX, to see  what the status was and to see if they have received the letter. 
The CSR indicated that they have not and informed me that sending a letter takes 7 to 10 business days. 

Knowing that I received it on XX/XX/XXXX and sent it out the following day and the postal standards indicated by the caliber CSR then I would not have had enough time to get this to them with the provided postage. 

I asked the CSR if he could send me another copy of it, and he stated he would, after belittling me about not making copies of it. He also stated that it may take 24 hours. 

I feel that throughout this whole forbearance process, that caliber has not treated me fairly and I feel that they have intentionally held the process up for whatever reason they have had.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
My account with Capital One was opened on XX/XX/XXXX. This included a promotional APR of 0 % for what I thought was a minimum of 12 months ( possibly longer ). I received my first statement for XXXX with a due date of XX/XX/XXXX. Starting with that statement, no interest was charged. I had not been charged interest up until this month 's statement dated XXXX with a due date of XX/XX/XXXX, interest charge of {$57.00}. 

I looked at my account information online and could not locate information regarding the terms of the promotional APR. I called Capital One 's customer service today, XX/XX/XXXX at XXXX XXXX to ask if the interest was charged in error. They could not verfiy if the interest was charged in error, because they also were unable to find information regarding my promotional APR. I reviewed my credit card agreement online, but it does not include any information regarding the promotional APR. 

If Capital One can not provide me with information regarding the promotional APR, there is no way for me to verify if I'm paying interest in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was offered concert tickets on XX/XX/19 in exchange for {$30.00} via PayPal. But as soon as I transferred the $ XXXX {$2.00} service fee, the scammer blocked my account and did not deliver the tickets.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-25
Company: EQUIFAX, INC.
State: GA
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:
This company charged me an high interests and i know its wrong this account was deleted and somehow reinserted back on my credit report. The statue of limitations of this loan is 6 years to collect in georgia accordinally to the Fair Debt Collections Practice Act. It was opened around XXXX/XXXX/2010 it has a balanced of {$4700.00}. I 'm aware of the breach that happened to Equifax and the other credit burears as well, I would like to have this problem solved in a timely manner bc im going on with my federal tort claim suit i didnt consent to alot of things

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
this is with PNC bank where I obtained a home equity first mortgage loan on my condo 4 years ago. One of the conditions of getting the rate was to have the  payments automatically deducted from a PNC checking account. They indicated to me verbal and on a written document that as long as the checking account is linked to this type of loan that I would not be charged fees on having a low balance. My payment is XXXX a month and every quarter I deposit about XXXX to cover 3 months payments. I have another account where I do my day to day checking so I only use this checking account for making payments to this mortgage. I recently received a bank statement that had a fee for a low balance. I never been late on a payment and never overdrafted this account. An employee at the bank informed me that the bank changed their policy on linked accounts. They should not do this to accounts that were previously established on the conditions of linking accounts for making payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XX/XX/2019 my bank account was hacked Causing a payment to be sent back to XXXX XXXX XXXX XXXX. It was my only late pay with them ever in XXXX. And I paid it the day they called and told me what happened they agreed to update my credit to paid as agreed and never did

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 2019-07-06
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2019 @ XXXX XXXX I received a call from ERC in XXXX Florida. They asked for my personal information without stating the name of their company or the fact that they were a collection agency. They asked for information without even stating the name of their company. Also they threatened me and harrassed me on the phone telling me they were going to file a lawsuit against me and their team of lawyers would take action against me before even telling me what the debt or call was even regarding. This company should be shut down due to their illegal collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: Westlake Services, LLC
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Late payment was add to my credit report. after I told West lake to deleted it the company file a false claim to consumer finance protection bureaus claiming " Customer has filed a small claims suit and all communication must be with our Legal Department. " This response is not true. Please provided the verdict, time and date for the earnin or immediately report the late payment because it illegal to lie on court earnin on a government website

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: Real Time Group, Inc.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contend that real time resolutions ( rtr ) illegally recorded an assignment of mortgage beyond the Florida statute of limitations. On XX/XX/XXXX, I received a transfer notice of this alleged debt from XXXX   XXXX XXXX. By their own admission, rtr recorded the assignment with the Clerk of the Circuit Court of XXXX XXXX XXXX on XX/XX/XXXX. After a consultation, it's determined that this action IS beyond the five year statute of limitations in the State of Florida. This includes both promissory notes and written contracts, as well as open-ended accounts. Therefore, I request that rtr vacate the lien and release both the lien and me from another further harassment. They never bothered to report any of this with any of the credit bureaus. The fact that the alleged debt never showed on any of my credit reports does make me suspicious. Their, rtr, latest statement indicates this account originated from XXXX XXXX XXXX. XXXX may have been the company, a few times removed, prior to XXXX XXXX XXXX. I request that rtr release the lien an me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX credit reporting agency removed an account off my credit report. The account is XXXX XXXX/XXXX XXXX. This account is an account that is in excellent standing I dont no why they removed it off my report. Having this account report on my credit report helps my credit worthiness.

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 2018-01-28
Company: EQUIFAX, INC.
State: NY
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:
Equifax credit reporting agency removed an account off my credit report. The account is XXXX XXXX/XXXX XXXX. This account is an account that is in excellent standing I dont no why they removed it off my report. Having this account report on my credit report helps my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
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:
I had a credit card payment to bank of america visa was applied three times, which was twice more than necessary. Three times the withdraw precipitated overdraft fees on my other bank account from which the payment was withdrawn. 

On XX/XX/2019 I manually paid a credit card bill of {$11.00}, which was due on XX/XX/2019. This was the total balance outstanding. On XX/XX/XXXX, another {$11.00} payment was automatically withdraw due to my auto-bill pay settings, but this should not have happened because on XX/XX/XXXX I had already paid. Then on XX/XX/2019 another {$11.00} was withdrawn automatically, precipitating more overdraft fees from XXXX XXXX. These two extra payments totally {$23.00} should not have happened and cost me {$36.00} in overdraft fees from my other Bank. 
I called Bank of America credit card services to complain and they said they would refund the extra {$23.00}, but it would take 5-8 business days. They said they would not refund my overdraft fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This letter is being sent to you in response to a notice sent to me on XXXX18 in response to a listing on my credit under XXXX XXXX XXXX XXXX " XXXX ''. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX or TransUnion ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. 

This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. The investigation was shown as verified and there was no information sent to me at all, so how could it possibly be verified? No contracts or signed documents were sent to me at all. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Best Regards, 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 2019-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.

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 2019-07-06
Company: EQUIFAX, 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:
I submitted the court documents that show the case from XXXX XXXX was dismissed for improper billing practices ... .and still shows on my credit report ... .I sent the same info to XXXX   and XXXX and they removed the error ... .Equifax refuses to remove for some reason

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: Continental Central Credit, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
My name is XXXX XXXX XXXX I had filed a previous complaint against XXXX XXXX XXXX complaint # XXXX I called them today @ XXXX and asked for a XXXX XXXX Desk XXXX l2nd letter received from them when I asked to validate the debt. 
When I asked XXXX if he was a collection supervisor or collections department manager he paused, I asked him again if he was a collections manager or a regular collections rep, he responded " I am a collections manager, I asked if he was the departments collections manager. XXXX XXXX then said " I have collection accounts that I manage '' I advised them that why did he say he was to collections manager since that was misrepresentation to his company. I asked for his collections manager and all he kept doing was going in circles saying the same thing. I who is you collections manager again then he hung up. XXXX XXXX Desk XXXX has violated the FDCPA for claiming to be a collections manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: WELLS FARGO & COMPANY
State: IA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My son got behind on his payments with Wells Fargo Dealer Services and was trying to get caught up. My name is on the loan also and I helped him pay the fees when the vehicle was repossessed. Wells Fargo neglected to get the redemption hold papers to the repo company on time and the truck ended up at an auto auction lot out of state. Now they are paying to have the truck towed back to Iowa and I was told it would take up to 2 weeks to get the truck back. Today is the last day of the 2 weeks and nobody seems to know where the truck is and will not give me the name of the transport company who has the truck. Wells Fargo keeps telling me to call back tomorrow for more information. I call every day and they give me absolutely no information so why should I keep calling to get no information. I want to know where this vehicle is. The tow company that agreed to accept the vehicle and tow it to my home has been ignored on phone calls and emails and is getting very upset as well. I have a complaint with the office of the president with Wells Fargo but that is n't going very well either at this point.

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 2019-07-06
Company: Capital Accounts, LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received credit report alert on XX/XX/2019 that Capital Accounts LLC put collection notice of {$190.00} ob behalf of XXXX XXXX XXXX to my credit report in three credit bureau. 

After I obtained Capital Account LLC contact info from XXXX  on XX/XX/2019, I contacted it for the reason why they never contacted me about debt collection before they put it on my credit report. They responded that they did send a letter on XX/XX/2019 to my current address. But I never received it. I asked them to send a copy of that letter to my email. They then sent to my email with a bill amount and doctor office name on XX/XX/2019 but this bill is not the original letter they claimed. The odd thing is that this bill shows that Capital Account LCC is not a debt collector ( see attached files ). 

I asked them why they did not send me the copy of their original letter dated on XX/XX/2019. They refused to answer. I asked them if the amount they collected was substantiated. They did not answer. I asked them to provide me with their license/permit number as debt collector in my state, they did not answer. 

In fact, I paid all my bills to the XXXX XXXX XXXX and my insurance paid their portions too. My insurance said that I overpaid XXXX XXXX XXXX already. The doctor never sent me the unpaid bill for collection too. 

My concern is that if any company can pretend as a debt collector and put any bad things on people 's credit report without justification/substantiation, this will disturb peace and ruin people ' life. 

Therefore, I am complaining Capital Accounts LLC to CFPB for investigation. 

Thank you very much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: JPMORGAN CHASE & CO.
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:
Inquiry I have not done anywhere, some debts are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I submitted a notarized dispute with my social security card and Drivers license ( original color copies ) to Transunion. I certified mailed my dispute that Transunion received on XX/XX/19. Transunion failed to respond to my dispute within 30 days and did not respond. I sent Transunion a second dispute letter certified mailed that they received on XX/XX/19. Transunion has had more than 60 days and continue to report unverified items on my credit report. I have attached photo copies of my records. Original color copies were mailed to Transunion. 

Note : Part of my SS # has been hidden in the attachment for security purposes.

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