BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when looking at my credit report because I found a late payment on XX/XX/2016. 
I don't even know how this could have happened because I always make my payments to you upon receiving my statements. The only thing I could think of is that it must have gotten lost in the mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-31
Company: Global Lending Services LLC
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: Account information incorrect

Complaint:
I asked the dealership not to run my credit multiple times. My request was not honored. I do not have any knowledge of this company that is reflecting on my credit report as a hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: MidAmerica Mortgage Inc
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a house fire back in XXXX. I am with Mid America mortgage company based in Texas. I hired a contractor to do the repairs and so far he has only received one payment out of three requested from this Mortgage Company. My insurance company has paid out to this Mortgage Company all the funds for the repairs. But my contractor has been trying since XXXX to get a second and now a third draw for this money that is owed him. Now, since this mortgage company has not paid, my contractor has stopped working on my house. it has been 3 weeks with nothing further getting done. Last inspection put us at 95 % complete, but he can not finish because this bank will not pay him. Now my insurance company is saying that they no longer can keep me in my rental house past XXXX because ample enough time has been provided for repairs and the bank delaying payment is not a good enough excuse to continue rental lodging. So now we are going to have to find another place to live at our own expense because Mid America mortgage hasnt paid my {$65000.00} contractor in months. This is a really poor bank process and I do not know why they are delaying funds to my contractor. I don't know how else to complain about this to make them pay any help would be appreciated thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ
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 was XXXX  from XXXX. 
XXXX, XXXX and Wakefield & Associates have unpaid Medical charges on my credit report during that time. 
I have sent them my XXXX  records ( and other documents ) confirming my XXXX  dates. 
They have done nothing to correct the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Bread Financial Holdings, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX/alliance Data, continues to wrongfully report the loan to be a charge off, initially it was reporting as a charge off with an unpaid balance, I contacted them with the XXXX  and mentioned to them that this is not a charge and there is no balance due on this loan account, to which they went ahead and updated the loan as paid but still left it with a remark as a charge off to which is infringe on my credit report negatively when this loans was fully paid satisfactory and should be reported. As such or and fully and dully remove. This wrongful reporting is severely affecting my ability to obtain a house mortgage. I will attach proof of what it was and how it was change and how it's reporting today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Good afternoon, As I was reviewing my credit score a few concerns came up because I never applied myself to any credit card agencies such as Lord and Taylor and the auto loan. Someone is using my information and my personal information such as my social security card, birth certificate and identification card was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Ability recovery calls everyday, and normally I would be able to put up with this. The fact that the average call times are eight tries in a one minute time-frame. XXXX  XXXX XXXX automatically blocks them now. This has been happening since XX/XX/2018. They never leave any type of a message either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: LAKEVIEW LOAN SERVICING, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am trying to reach my mortgage company to find out how much I would need to pay off in order to have the PMI removed from my loan. 

After trying multiple times through the website 's XXXX XXXX XXXX " Contact us '' email feature, on XX/XX/XXXX I called a phone number I received on a refinance mailing from my mortgage company Lakeview Loans. The number was XXXX. They quickly told me that for my issue I actually needed to deal with the loan servicing company and they gave me a new phone number to call XXXX. I called this number and spoke with a " XXXX '' possibly " XXXX '', she told me that I needed to submit a request through the company 's website. As I had already done this on multiple occasions I told her that wasn't going to work, and asked for an e-mail address to send to. She provided me with XXXX. Upon e-mailing this address I received a confirmation of my e-mail and a ticket number and a statement that it could take up to 5 days to respond and that my issue was being sent to the " escrow '' department. I waited one week and on XX/XX/XXXX, after no response, I e-mailed them again and received the same response, and same ticket number. I waited yet another week and again tried to contact them through the website, with no response at all. 

Every month that I have PMI is costing me {$90.00}.

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 2020-05-12
Company: Consumer Portfolio Services, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Starting XX/XX/XXXX I called consumer Portfolio Services , Inc. at XXXX. I had spoken to several customer service reps for this company. I had explained way before my car payment was due XX/XX/XXXX to them that my check was short and would like to have my payment for XXXX deferred due to this. Each Customer service rep told me that i need to wait for an email to let me know if the supervisor will ok my deferment. All I got was the run-around. and when I called them early enough I was told that I had to wait until my payment is past due then call back which makes no sense. 
I paid for XXXX  and today on XX/XX/2020 I received a text from this company sending me a reminder that my payment is due for XXXX. I paid for XXXX and I need them to defer my payment for XXXX. 
This company is not working with me I have made numerous calls to this company and I get no help at all. Why do I have to wait for them to send me an email regarding geting my payment for XXXX deferred?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2018 XXXX XXXX. announced its U.S. Commercial Firearms Policy which will have the effect of preventing me from purchasing legally available firearms accessories and prevent US citizens under the age of XXXX from exercising their Constitutional Rights. The Policy has the ability to stifle free trade and hinder commerce especially of firearm manufacturers and dealers.

I fear this policy could be the the first of many that would hinder commerce of many sectors of the business community as Citigroup attempts to impose its definition of " best practices '' on US industry.

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 2020-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 went to XXXX XXXX  on XX/XX/XXXX to try to refinance my house, but they denied me due to numerous negative accounts. ( XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX ). My personal information birth certificate, driver 's license, and social security card was stolen on XX/XX/XXXX, and on XX/XX/XXXX I discovered that my personal information had been used by someone else and opened numerous accounts without my consent or authorization as listed above. I did not receive any money, goods, services, or any other benefits as the results of these accounts being opened under my name. I filed a police report with the XXXX XXXX Police and it's an ongoing investigation, no perpetrators have been found as of today. Please delete the accounts above because they are a result of identity theft. I certify all my statements are true.

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 2018-06-28
Company: ERC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted this office requesting validation of this alleged debt without any response & it has been more than 30 days. I have not conducted any business with this company and have no contact with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: AmeriHome Mortgage Company, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I sent a loss mitigation package and third party authorization to AmeriHome Mortgage by fax on XX/XX/2020. 

I called Amerihome Mortgage and spoke to XXXX XXXX on ID # XXXX on XX/XX/2020, who confirmed the loss mitigation package was received and was sitting in the mailroom in the financial inbox. She confirmed the package was received on XX/XX/2020. No letter was sent to the borrower and the file was not assigned to anyone. She told me would escalate the file and would have the file assigned and opened. 

I called Amerihome Mortgage on XX/XX/2020, and was on the phone for over an hour and spoke to Ms. XXXX ID # XXXX who also confirmed the loss mitigation package was received and not assigned. She spent the time on the phone with me and sent emails to the loss mitigation department.

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 2019-03-26
Company: Gatestone & Co. International Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX deliquent account via fraudulent mail theft unable to log in to monitor account. XXXX XXXX closed my account due to inactivity but no credit card was ever received and they never sent one. Now i get calls from XXXX  XXXX XXXX XXXX ) and I have told them 2 times before to NOT call work as I am unable to receive personal calls. Today I received yet another call at XXXX XXXX from ext XXXX and I state yet again they are not to call my work. At this point I would like to file a complaint against XXXX XXXX. They ignore my rights to not call my work and get me in trouble. They state they just received my account which is also a lie. Untrustworthy company who make lies and I can not believe what they say to be true.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XX/XX/2020, I received a solicitation from Capital One about its 360 Performance Savings account. As a longtime customer of Cap One 360, I found it to be compelling. It was my understanding, if I opened a new account with new money ( not from other Cap One accounts ) of {$50000.00} or more and left the funds in place for at least 90 days, I would receive a bonus of {$500.00}. I opened and funded that account on XX/XX/2020. 

In XX/XX/2020, I contacted Cap One by phone to see when I would receive the bonus. The advisor told me it would be up to 60 days after my account was open for 90 days. I determined that to be roughly mid-XXXX. 

In early XXXX, I wrote a letter inquiring about my bonus. On XX/XX/XXXX, I received an email asking me to call. I called that afternoon and was told I wasnt eligible for the bonus because I wasnt a new-to-Capital One customer when I opened it. I told the advisor I would close my accounts. He asked if he could help with it. I told him no, concluded the call and immediately transferred my savings with Cap One to another bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-28
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have received a several calls from Navient and I answer and communicate with them whenever I am available to answer. I even return calls when I miss them. I have REPEATEDLY explained to them I am homeless and unable to obtain housing due to the my poor credit. After telling one representative this she responded well hopefully your luck gets better but we will proceed with default. I have tried getting payments postponed as my other loans are in financial hardship forbearance. Navients wants me to pay {$350.00} a month when I have no place to live. Yes I have a job, however when youre living out your car, you have to pay money for occasional hotels to shower or gym memberships to shower. Its ridiculous how they have no way of working with you with private loans. They even sent emails as if I wasnt responding or trying to avoid them when Ive continually communicated and never tried to avoid them. But I can not pay them funds I do not have. Yet I continue to suffer and not get housing because my loans go into default and negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: Experian Information Solutions Inc.
State: IL
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:
In XXXX I open a small balance Credit Card with XXXX XXXX XXXX, after a short time I notified the issuer via a phone call that my balance per rhe statement was I correct. Nothing was done, I then sent them a letter in XXXX disputing the account is accordance with Truth in Lending and Fair Debt Reporting and Collections. I told them that while the account was in dispute no reporting to 5he three National CRAs should be done, that was not adhered too. In XXXX I paid the balance in full. I recently pulled my credit report and saw that XXXX XXXX recently reported the account and they have it listed Charged off and sold to another lender. I was never made aware that the account had been sold. I disputed the reporting, via a letter to XXXX XXXX, a. ) That the no longer owned the account and should not be reporting on it and b. ) That they were reporting on the account while it was in dispute a violation of FDR. I sent the correspondents to their Compliance officer, and they are still reporting the account on my CBR. This has caused damage to my stellar credit history.

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 2019-03-26
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Please read the attached letter I wrote to the AZ Attorney General regarding the fraudulent loan between XXXX XXXX and Credit Acceptance Corp on XX/XX/2018. 

This is a fraudulent loan and auto dealer fraud against me the consumer. Consumer Fraud.

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 2018-04-28
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX XXXXXXXX and Citi are preventing lawful citizens from exercising their constitutionally protected rights in regards to purchasing firearms.

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 2021-01-21
Company: EQUIFAX, INC.
State: NJ
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:
My mortgage account with XXXX Mortgage has been reported late in XX/XX/2020 and in XXXX 2020. Both months were paid on time. I have repeatedly asked XXXX to address these inaccuracies and they have not. We paid off this loan in XX/XX/2020 and XXXX continues to report inaccurate and late payment information to the credit bureaus. My requests have gone unanswered. My credit score continues to drop with their inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I've been trying to contact someone at XXXX XXXX at XXXX XXXX XXXX XXXX for the last 2 days to fix an issue with my account. 

At the XXXX checkout page, when I try to purchase a new phone and use my XXXX XXXX account, the system keeps redirecting me to a new credit application page. 

I've been on the phone with XXXX at XXXX and they basically said that the issue is with XXXX XXXX, operated by TD Bank. In a recent email exchange, one of the Customer Support from XXXX E-Commerce, I received the following instructions : XXXX XXXX XXXX XXXX XXXX ) XX/XX/2020, XXXX XXXX Hi XXXX, Please make sure that you have linked you XXXX account to your TD Account by going to this linked : XXXX XXXX XXXX XXXX XXXX Also, contact TD by calling XXXX. Check with TD if your address has been updated and then wait after 3 business for the change to reflect on your XXXX account. 
Warm regards, XXXX XXXX XXXX Customer Care XXXX I've tried to link my XXXX account to my TD account ( XXXX XXXX XXXX, and got the following message : We could not find your TD application We identified your XXXX Account but did not find a TD Bank application associated with your XXXX Account. Please sign-in with the email address used to create your XXXX XXXX account. If you lost your account, we can help you find it. If the XXXX Account email address and password you used when applying with TD Bank, N.A., for XXXX XXXX  is different than your current account, please contact XXXX Customer Care. 

SIGN IN WITH DIFFERENT ACCOUNT I've also called XXXX XXXX ( TD Bank ) at the XXXX informed and waited for at least XXXX until the connection dropped. 

From TD Bank XXXX XXXX XXXX XXXX my account is in good stand. Here 's a quick snapshot of my account as of XX/XX/2020 : Acc ending in XXXX Available Credit : {$2900.00} Total Current Balance : {$220.00} Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America Home Loan became owner of my XXXX XXXX XXXX XXXX loan when XXXX XXXXXXXX was in trouble. Loan type : 30 year Conv Adj Rate, 27 years 5 months/Interest rate 6.125 % ; first time home buyer XX/XX/XXXX. 
XX/XX/XXXX I was able to refinance at a 24 year and 11 month adjustable, interest rate 3.375 %. 
In XXXX I applied with B of A Home Loans endlessly for both a mortgage reduction, when refused I tried refinancing my existing loan to a fix rate interest. Spent hours submitting documents ( which were lost more than once ) speaking with representatives, email, standard mail, B of A Home Loan Portal correspondence. After months I finally gave up trying. 
My current adjustable interest increased in XXXX and XXXX. 
My payments have increased from $ XXXX in XXXX, to $ XXXX in XXXX, to my current payment of $ XXXX. 
Clearly an adjustable interest means my payments have increased and will continue to do so. 
Had B of A Home Loan wanted to help me when I first approached them, I wouldn't be in this situation. 
My honest feeling is that B of A wants me to foreclose on my property to reap the financial benefits. Their representation has been less than stellar. XXXX XXXX is the last representative I tried to work with.

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