BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
Complaint against XXXX XXXX RE : Loan Management Account Broker : XXXX XXXX, XXXX XXXX, NJ SUMMARY : Loan Management Account established in XX/XX/XXXX XXXX XXXX and XXXX XXXX XXXX did not enforce the stipulated amount regulated for Trusts and Individuals on the XXXX XXXX website. The loan amount should be limited to XXXX for individuals. ( see below link and quote from the XXXX XXXX website ) My XXXX account was allowed to hemorrhage ; become over leveraged and my investments went from XXXX in deposits to a final balance of $ XXXX. I used some of the XXXX balance but I was living off the XXXX since I am XXXX with XXXX XXXX XXXX XXXX. The Loan Management Account is not a suitable vehicle for an older woman who has no other source of income. I learned this too late. When my husband XXXX in XX/XX/XXXX I agreed to assume the loan balance of approx. XXXX but at that point I should NOT have been allowed to leverage any more of my investments. 

ML OFFICIAL LOAN MANAGEMENT DESCRIPTION : XXXX XXXX XXXX " The XXXX account is an  uncommitted facility, although loans to individuals and trusts may be  committed in an amount not to exceed {$100000.00}. The Bank may demand full or partial repayment at any time and any commitment may be immediately terminated. '' I recently became aware of this regulation limiting the loan amount to individuals. 
Not only did the loan balance exceed XXXX but my entire set of funds were used as collateral. XXXX XXXX charged interest on the loan balance from approximately 3.3 % to 4.4 %. 

In XX/XX/XXXX and XX/XX/XXXX I communicated with FINRA and requested mediation with XX/XX/XXXX through FINRA. XXXX XXXX denied my request and blames the destruction of my resources to my spending. As previously said I was living off my investments. I paid for my son 's wedding. Spending is not the issue. XXXX XXXX broke their own law by over leveraging my Loan Management Account. If the XXXX XXXX stipulated limit of XXXX for individuals was honored and enforced I would not have lost all of my funds. 

Essentially the Loan Management Account became a runaway train that eventually crashed. My Loan Management Account was not properly supervised and not lawfully enforced. 

Thank you.

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 2017-07-12
Company: EQUIFAX, INC.
State: TX
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 have several inquiries on my report from XXXX XXXX XXXX XXXX and from XXXX XXXX. I contacted XXXX XXXX XXXX @ XXXX and spoke with XXXX employee # XXXX and he was unable to find any applications for me, and he even checked the archives. I contacted XXXX XXXX and they are going to be sending something to have the inquiries removed, but they told me to contact creditor to see about getting them removed sooner. Here are the inquiries : XXXX/XXXX Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please remove all of these inquiries because they do not belong to me, and were not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage company : Community Loan Servicing 1. I had my mortgage with XXXX XXXX  since I bought the house in XXXX. I applied for the forbearance due to COVID related issues. I did not pay my mortgage for about 7 months in XXXX. I started paying for my mortgage in XX/XX/XXXX and I was in the process of applying for the mortgage modification. During the process my mortgage was moved to Community Loan Servicing. I've been paying for mortgage regularly and on time as I was in the " trial '' period. The amount I paid per month was $ XXXX. I completed my trail period and made my last payment on XX/XX/XXXX. I received a load modification documents telling me that going forward I have to pay {$2400.00}. That's not the amount I agreed to or was told to pay the last XXXX months. I have 10 days to sign the documents but I'm refusing to because ( once again, that's not the amount I applied for or was told I'm going have to pay ). I contacted them multiple times and I've been on hold for about XXXX minutes and no one picks up the phone. the contact information provided on the documents is wrong ( wrong phone number and wrong e-mail address ). 

2. The Community Loan Servicing also reported me to the credit burau and my credit score dropped XXXX points. I contacted them ( once again ) and they are telling me I missed a payment, but it is not true. I've been paying on time each month, and I have my bank statement to prove it. Unfortunately, I am also in a process of buy a new car so this impacted me significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was asked by Capital One to apply for a Credit Card, and have good credit with excellent paying history. 
they turned me down as said I had too many credit cards but they approved all of them. 
I was planning on getting one with good interest which I have earned, and transfer a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Hello Hello - I sent a wire transfer over 3 weeks ago to COINBASE bank location. 
I am requesting the funds sent back immediately. 
They have not given me access to these funds.  They have not posted these funds to my account. 
They have not posted a transaction of this wire transfer. 
They refuse to acknowledge the situation. 
They refuse to respond From Account Number : XXXX Share : XXXX - BUSINESS CHECKING Name : XXXXXXXX XXXX  Email : XXXXXXXXXXXX XXXX Phone : ( XXXX ) XXXX Transaction Date : XXXX/XXXX/XXXX Amount : ( {$1000.00} ) Description : WIRE TRANSFER SENT TO THE FOLLOWING BELOW SENT TO : Coinbase Routing/ABA Number XXXX Account Number XXXX Recipient Instructions/Message XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
XXXX XXXX, 2017 @ XXXX XXXX Upon creating an account with XXXX, I was prohibited from connecting to my online bank account. They are restricting access to my financial data with no grounds other than the specific service I am using. I see this as gross discriminatory action and expect this issue to be resolved in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Caliber Home Loans, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
8 years and 3 lenders later still trying to get a loan modification, recently Caliber Home Loans Purchased my loan in XX/XX/XXXX, had to start all over with the loan modification process, I submitted all the documents Caliber asked for, my documents were lost, I submitted additional documents as they asked for. in XX/XX/XXXX i was advised they had a complete file before the deadline to stop the sell of the property, Caliber refused to stop the sell date as I was told the sell date would be stopped. I was forced into BK XXXX to stop the sell date. Within the first 30 days of the BK I submitted another complete package for a loan modification, over the next several months caliber again asked for more documentation to complete the review, I again submitted the required documents, In XX/XX/XXXX Caliber stated they need an additional document, I advised them I was advised by XXXX XXXX from Caliber that document was needed and she checked with the loss mitigation dept, that person in that dept stated I did not need to send that document in, Caliber once again proceeded with another sell date for the end of XX/XX/XXXX, that sell date was stopped once all the dept heads got together and agreed that I was given incorrect information, I provided additional information, after one year after starting the process with Caliber, my loan modification was turned down, Caliber stated the reason was my debt ratio was to low, yes I can afford the monthly payment, however I can not pay the amount past due, from the beginning Caliber stated they had many loan programs in house to help me with the past due amount, I was advised from the Point of Contact person to submit a appeal letter, stating that I can afford my monthly payment but not the past due. On XX/XX/XXXX I submitted an appeal letter to Caliber thru their web site, I called Caliber to verify they had in fact received my appeal letter, I was informed yes it was uploaded and they received it by the dead line to appeal. Now recently I am informed by Caliber there is a sell date on my home for XX/XX/XXXX, I was additionally informed that my appeal was never reviewed, I was advised when I submitted my appeal that no sell date will be placed on the property while my appeal is pending. This is so wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I mailed a physical check through XXXX for my mortgage payment ( XXXX XXXX ) and it was stolen. The amount on the check was changed from {$1700.00} to {$4700.00} and the pay to name was altered to a different name ( XXXX XXXX ). 

After filing a police report ( # XXXX ) and a mail fraud report to XXXX, I also reported this to the Chase fraud department and went in to my local branch in person. I was told that I will not receive my money back until an investigation is complete and they receive the money back which could take XXXX or more days. This check was obviously fraudulent yet it was cashed anyways. Tellers at banks should receive training around how to identify fraud and not allow checks to be cashed. This is not my fault as the bank that cashed this check should have reported it at fraud. This is not fair that I have to wait XXXX days to receive my funds back when this was not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: Gragil Associates, Inc.
State: NH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In the process of applying for a mortgage, I became aware of two accounts in collections with Gragil Associates for services provided at XXXX Hospital in XXXX NH. I did receive bills from XXXX Hospital after the services ( two ER visits ) and let them know that they had billed the wrong insurance company, not the one that I had at the time of service. I was told that it would be resolved, and stopped getting bills from the hospital. This is the last I heard of it. When I found this on my credit report, I filed a dispute with XX/XX/XXXX ; the result was " verified as accurate ''. I contacted the hospital and was told that since it is in collections, they can not discuss it. I have contacted Gragil Associates directly at XXXX : I requested service dates for the original ER visits and was only given one date of XX/XX/16 and told that the other visit was " that same fall ''. I requested account numbers for each collection account and was refused. I requested that a statement be mailed to me so that I could have the full account numbers and bill for my records and was told that " the account is too old, we don't do that. We already sent it to you so you should have it. '' She verified my mailing address, which was correct, however I did not receive any notice by mail from this company. She told me that she was unable to tell me if the original charges were ever billed to the insurance company or provide any other details about the charges. When I told her that I believed there was an error in billing, she stated that " it was probably your deductible. '' The charges total nearly {$5000.00} combined. I was insured by XXXX XXXX at the time of the services ( one ER visit for myself, one for my daughter ), and I have been fortunate enough to have very good insurance coverage. I have never had a plan with a plan deductible over {$2000.00}, which means that the error in original billing was never corrected and simply sent to collections. The original provider will not address the problem, and the collection agency refuses to provide me with even the basic information about the debt. 
At this point my hands are tied, and even if I just gave up and paid the full amounts ( plus " collections fees '' of course ), the collection will remain on my credit report and still prevent me from being able to buy my first home. I appreciate any help that you can give. I am unable to attach documents, as I have not been provided any. 
Collection agency is Gragil Associates, XXXX XXXX XXXX, XXXX MA, XXXX, ph # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019 I receive an email from Experian saying I was matched with a " cash-back card '', they didn't say that my odds to be approved are good, no, they match me with a card. 
After I apply with this matched card, I receive the denial from this card company. 
I contacted Experian and they told me they never " match '' me with any card ( even when I have the email from them saying it ) instead they " suggest '' my odds " could '' be high applying for this card. 
On XX/XX/2019 Experian report the first inquiry to my credit and decrease my credit score 2 points. 
On XX/XX/2019 Experian report the second inquiry from XXXX and this time lower my credit score for 19 painful points.

21 points total for following Experian advice. 

XXXX  and XXXX never lower my credit score for this inquiry from this credit card company. 

On XX/XX/2019 one of my credit card increases the limit of my card from {$500.00} to {$800.00}. 
XXXX increases the credit score for 7 points on XX/XX/2019. 
XXXX increases the credit score for 5 points on XX/XX/2019. 

Experian increases the credit score for 1 point on XX/XX/2019. 

Rules are not the same, practices not equals. 
I truly understand that Experian is damaging my credit history intentionally. 
And I am a paid customer of Experian, with a monthly subscription of {$19.00}. 

Please review all the data and advice me, I only look for fairness. 
Obviously, I will never follow again Experian advice on credit cards, but look like they " MATCH '' everybody only with the intention to collect their commission, but I am a paid customer, they should take care of me. 

Thank You

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 2021-09-20
Company: VW Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I sent a check to Audi Financial Services to payoff a lease. They received the check on XX/XX/2021 and have not processed the payoff as of XX/XX/2021 and are requiring me to continue to make payments or they will report the account past due on my credit report. I have called 3 times and get the same response, yes, we received your payoff but the payment hasnt been processed so you have to continue to make the lease payments until the payoff is processed. Once the payoff is processed we will send your over payments back to you. I paid off the lease early so I didnt have to make the payments monthy. Now I am out the payoff amount and still making payments for an account I paid off!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-20
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Loanme does not provide year end tax documents of interest paid on loan. When contacted they state they don't provide customers with tax documents with the amount of interest paid for year of 2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: Experian Information Solutions Inc.
State: WA
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX, XXXX XXXX has been illegally reported on my credit report..I formally disputed it directly with Experian and XXXX in regards to their illegal reporting and have not received any satisfactory reply..Therefore I am now filing this complaint to stop reporting this erroneous item.. I requested proof of ownership was legal in accordance with the law.. Since credit bureaus were unable to provide me proof within 15 business days as required from receipt of my letter the alleged claim of deficiency will be considered null and void.. They did not remove it that's why I am filing this complaint to make you aware and take care of it.

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 2019-10-08
Company: Roycroft Management
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company began calling me numerous times a day for months saying I was being sued for a loan account opened over a year prior. They also called my mom, who was not listed on the loan, telling her I was being served for legal purposes. I called back and made a payment arrangement with the company to stop the harassing calls. The agent I spoke to, XXXX XXXX, was rude and threatening during this process. My boyfriend was suspicious of the whole thing, so I decided to XXXX this company. Not a single legitimate thing came up regarding this company. False address, numerous scam complaints. I called the number back that I had used the day before, no answer, BUT the voicemail gave a different name and said the person was a floor supervisor. I called the number again and XXXX XXXX answered the phone. I told him that I closed the account that I gave them information for and that I contacted my attorney regarding them because they gave false information about the company and they had a false address. XXXX XXXX began yelling at me asking how googling their address had anything to do with this and that i just made things worse for myself by closing the bank account and cursing at me saying do you think I give a sh** about you paying back your loan? I told him my attorney would be contacting him and hung up. He then began calling me again from a different number and leaving voicemails.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-26
Company: EQUIFAX, INC.
State: TX
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 checked my credit report this year and found several accounts and Inquiries that are not mine. my information has been used in a scheme to defraud me and has made me a victim of identity theft. I have tried to contact the credit bureaus but was unsuccessful in removing these items from my credit report. My finances are in jeopardy and my rights have been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14
Company: Experian Information Solutions Inc.
State: LA
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: Investigation took more than 30 days

Complaint:
I had filed a dispute back on XX/XX/2021 requesting full validation on these accounts as I have no knowledge. additionally, I am requesting a validation on the company right to collection under the FCRA and Fair credit and billing act. I have not heard back from Experian. If they can not validate, please remove from my Experian credit report. 
The following accounts are what I am questing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-14
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This morning on XX/XX/2022 I received three phone calls from XXXX which is XXXX customer service number at 10:27 AM and 10:28 AM. When I answered the third phone call I was told that there was fraudulent activity on my business account and that someone by the name of XXXX had registered a XXXX XXXX account under my Zelle. I was told that all of my banking transactions would be put on hold and that in order to reverse this process I would have to send {$5000.00} to myself with the account that was registered under XXXX to put the money back into my account. They had also sent text messages with codes that I needed to read them.I was skeptical and questioned this process and was told by the employee that they were indeed XXXX bank and they would never jeopardize their job. I did the transfer and was told that I would get an email. Two minutes go by and The phone hangs up abruptly. I called back the number and was connected to XXXX and was told that I had been scammed. XXXX did help me with filing a report with Zelle and told me that they were going to handle talking to XXXX XXXX. I do have screenshots of the phone number that they called me from and all of the text messages that the scammer sent me for the XXXX XXXX account and the Zelle account.

Company response to consumer: Closed with explanation