BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-19
Company: EOS Holdings, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX opened two accounts at same address. I paid XXXX and indicated to them several times I did not want 2 accounts servicing the same address. They continued to send me bills and then sent me to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: Experian Information Solutions Inc.
State: GA
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 reached out to you guys about some items on my credit that not mine. I thought this was taken care of but there are still items on my credit that are not mine. I contacted the FTC and the police and I'm doing this on my own behalf. Chapter XXXX bankruptcy, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX. There are also inquiries on my report that are not mine. 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 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 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 non-monetary relief
Consumer complaint received 2020-05-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Toward the end of last year my escrow changed as typical, and I thought that it changed a month later than did. The mortgage company held my money without applying it to my payment until they received the entire amount. Then they ended up applying it toward principal without my knowledge despite my calls to them to explain the situation. Now they are telling me I am a month late on my mortgage when i have in fact paid them every cent that i was requires. They are telling me that the regulations require them to apply the payment to principal after 60 days. So, that suggests I was over 60 days late getting the balance of the funds to them. That is not possible since I have Made my payments. I have on numerous occasions requested they apply the amount the applied to principal toward the payment as it should have been.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: American Financial Network Inc.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Received a letter concerning refinancing my VA home loan. The letter stated that it was a pre-approved loan. It gave specific numbers concerning dates, interest amount and cash out amount. It also stated that it was a firm, guaranteed offer. 
Almost from the beginning of starting the process, everything began to change. The interest rate, the closing date, the cash back amount all changed. I discussed this with them and they offered ways to manipulate the numbers to get me more money, including skipping payments and discounting fees. 
It eventually became clear that it was a classic bait and switch but by that point I had paid for a VA appraisal and termite inspection. 
I notified them that I was cancelling and requested they reimburse me for my costs, which they refused. 
They denied the facts of the letter they sent and requested a copy, which I sent them but basically said to bad.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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 received a credit card from capital one and have not been able to keep up with payments as of XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: ENOVA INTERNATIONAL, INC.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Correction in documentation- Yes, i have tried to handle and communicate with company about situation. They will not work with me in any ways and are rude and unprofessional place i have ever been a customer of. On XX/XX/XXXX, I received a loan from Cash Net USA for XXXX. A few months later I got a XXXX and XXXX dollar loan. Equaling XXXX. I was not informed that I would be paying XXXX dollars biweekly. I contacted the business. They did not help any and told me " orry we cant help you. Then they agreed to XXXX dollars every two weeks and did not keep their word. I called today XX/XX/XXXX. Asked how much I had paid so far- XXXX. Asked how much more I owed- XXXX. A total of XXXX for a XXXX dollar loan!!! The lady proceeded to say I was charged XXXX each time even though I did not take out XXXX dollars! They are scammers! and do not care anything about their customers! I am a single mother and their is no way possible way I can afford XXXX every two weeks. I have tried to contact the company on several occasions but no response/or no help what so ever. I am not looking for pity- I am looking for assistance. & making this company understand what a horrible company this is.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Quicken Loans holds my home mortgage ( VA ) - on XX/XX/XXXX I had solar panels installed using a separate loan company. I contacted Quicken loans to see about combining the solar loan with my home loan to have one payment. Instead of doing what I requested they took it upon themselves to determine my escrow would be short {$1800.00} - even though I've check with the appraisal company and they have not increased my taxes. QL is now requiring me to pay and addition {$1800.00} in addition to my normal taxes without any documentation from the tax office. I applied for the Home Solar tax exception which I will hear back from in XX/XX/XXXX. However QL will not drop the increase on my home escrow until XX/XX/2019 IF i get the exemption. I'm curious how they can tax me when the appraisal district has not done so. Is this not taxation without representation?? I'm furious and have talked to several people only to get upset by them more and more. The last person said my only other option is to pay my taxes myself - after I get a XXXX balance with QL. I just want them to drop the solar tax increase, because they have no right to guess - especially when the panels were installed ( but not operating on XX/XX/XXXX ) and their site says they evaluate escrow in XX/XX/XXXX. They received my solar documents because I requested a combined loan - but they never bothered to do estimate the combined loan. I want them to drop the increase they are demanding I start paying on my XX/XX/XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I paid the future landlord rent of {$1900.00}, moving fee of {$500.00}, pet fee and garage rental fee of {$350.00} and {$240.00} for applications using my Chase business checking card. The apartment on the moving day turned out to be unsuitable for moving in or living. I contacted the person and he wouldn't respond for 2 days. I disputed the charges with Chase providing 43 pages of documents, evidencing inhabitality, violations of the space, no mail delivery from Post Office and basic negligent state. Chase refused my claim and provided all the money to the slum landlord. My 6 years of being business customer of Chase is violated and most definitely the slam landlord  part is the sickening insult to an injury and monetary damage. 

I learned from official XXXX County records that the space is not residential, has numerous violations of safety and the person who claims to be the landlord is not listed as the owner. I am providing all the documents to evidence that along with the highlighted provisions that justify my cancelling the lease by XXXX Landlord Tenant Ordinance that states that non-hability and non-possession are  grounds for cancelling the transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-19
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/28 I received a refund in the amount of {$320.00} from XXXX to my Venmo account. On XX/XX/28 I initiated a transfer to send my refund to my bank account, and Venmo then stopped the transfer and kept my money. Next, they froze my Venmo account and asked me for a picture of my drivers license to unfreeze my account. I then emailed the my DLs and then they deactivated my account and did not provide an answer as to why, and they didnt refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My credit card was charged for a purchase I did not make. I have been trying for over a month to contact Chase bank to report this potential fraudulent activity, but have been unable to reach anyone to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Trident Asset Management, L.L.C.
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 have contacted Trident Asset Management, XXXX, XXXX, and XXXX  several times. I have sent multiple letters and made multiple phone calls. The account with XXXX XXXX XXXX is invalid, and inaccurate. The account is not mine. My data was compromised in the XXXX  data breech. XXXX, XXXX, XXXX  have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
FTC Violations OCC Assesses {$60.00} XXXX Penalty Against XXXX XXXX, Orders  Bank to Reimburse Consumers for Unfair Billing Practices Leading Debt Collector Agrees to Pay Record {$2.00} XXXX to Settle FTC Charges XX/XX/2011 FOR RELEASE A leading debt collection company has agreed to pay a civil penalty of {$2.00} XXXX to settle Federal Trade Commission charges that its aggressive collection techniques violated federal law. As part of its efforts to protect consumers affected by the struggling economy, the FTC alleged that XXXX XXXX XXXX, XXXX violated the FTC Act and Fair Debt Collection Practices Act. 
XXXX XXXX {$910.00} XXXX XXXX {$130.00} XXXX XXXX   XXXX XXXX late flexible spending card XXXX {$210.00} XXXX XXXX XXXX   {$540.00} XXXX XXXX {$510.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX {$340.00} XXXX Inquiries : XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX wrong names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for forbearance on my VA mortgage that I've had for 15 years 2 of the those last years are currently with Loancare / XXXX and I have never been late on paying. 

Side note : 2 years ago my loan was sold to XXXX Loancare and my payments immediately went up $ XXXX each month. At that time, I had called to complain about this upcharge and they came up with some excuse that I didn't understand. I found it odd my payments went up at the same time they acquired my loan where the payments had been religiously the same for 13 years before that or slowly decreasing. It came down after a year, but now is still {$86.00} dollars higher than it used to be. This increase seems unethical. 

Fast Fwd to Pandemic times ... I apply for some relief and since Loancare is disgusting they don't offer deferment they only offer forbearance. I apply for 6 months and get approved. I'm XXXX   XXXX and haven't made a dime since the first week of XX/XX/XXXX, nor have I received any stimulus or unemployment yet. 

I do more digging and research to find Loancare is really damaging people 's credit during forbearance period. Pushing people 's credit scores 50-75pts lower and to make matters worse negatively effecting co-borrowers credit as well. How is this possible given text of Cares act. Also, it makes refinancing next to impossible at any bank or loan servicer when they report forbearance on people 's credit report. So today I canceled the forbearance not even 24 hrs after I got approved for it. They said they couldn't guarantee it wouldn't be posted as in default and I need to call back tomorrow. 

This company is practicing unethical standards and really needs to be fined or shut down.

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 2021-04-22
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a washer & dryer at home depot XX/XX/XXXX. The purchase was supposed to be 24 months no interest and was only given 6 months. I complained and they then transferred it to only 12 months which I did not catch. The promotion expired in XXXX of XXXX. I was charged interest on the purchase. I called to ask why and realized they never did the 24 month no interest promotion. At this time they stated I would need to have a store manger call in to change it. I went to home depot and had them call. They agreed to extend the promotion until XX/XX/XXXX which would have been 24 months from the original purchase date. The amount left owed was XXXX When they changed it to 24 months promotion they credited my revolving account and charged my account a price that was more than the original sales price. It is impossible to see how they came up with the numbers that they charged. My statement does not reflect the way they came to the amount only the amount. When I called them to try and figure out why this was they offered me no explanation except this is what they decided to do and there is no explanation. I will only have to trust that they did the math correctly and pay my bills. I am not comfortable with this approach. I am very picky about my finances as I am on social security and do not understand how this approach is legal.

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 2019-06-19
Company: RentDebt Automated Collections, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello. Thank you for taking my complaint and assisting me with this matter. The reason for my dispute is because I am having a very difficult time with a collector who has already admitted the collection account they are working is not valid. 

Back on XX/XX/XXXX I hired a firm to assist me with dealing with a collector because they were collecting an amount I know is not owed. To make this complaint short yet concise, since XX/XX/XXXX, we have been attempting to have this collector prove that this debt is real. We've asked for itemization and contracts and have technically received both. The problem is that their own contract proves this debt is not legitimate. 

After 2 months and several conversations with multiple collectors later, my representative spoke with a collections manager named XXXX XXXX at XXXX XXXX. XXXX XXXX is the name of the collection agency. XXXX XXXX admitted in their conversation on XX/XX/XXXX that the itemization was faulty due to the language in the contract. XXXX XXXX is charging me a forfeiture of deposit fee for the same amount of my deposit even though I left the apartments in good standing and was even given a {$250.00} pet deposit reimbursement back for doing so. Because they are charging me a forfeiture of deposit fee, instead of deducting minor cleaning charges and reimbursing me the remainder of my normal deposit, they are now charging me {$350.00}. On XX/XX/XXXX, the account had been in dispute for 51 days through my representative. Because the F.D.C.P.A. only allows 30 days to validate the debt which in this case it wasn't since the contract did not support the itemized charges, my representative demanded a removal within 24 hours or this complaint would be filed. XXXX said she would ask questions to her client and call him back. She never did. 

Today, my representative gave them one last chance to remove the account from the credit report since no response or correction or proof of any kind had been provided, and now the manager XXXX XXXX is not around to adhere to the F.D.C.P.A. and apparently no one else in the office can assist with this. It has now been over 60 days and this account still lingers on my credit report. 

I am asking that you assist me in getting this company to follow the law and stop collecting a debt they already admitted isn't legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Experian Information Solutions Inc.
State: MS
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:
Hello I am a victim of identity theft and this is a ongoing situation. There are accounts listed XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX that are not mine or paid and needs to be removed. Many letters to the companies and credit reporting agencies were mailed to advise them of this. There seems to be a confusion on the account being association to me and I do not take responsibility for something that is not mine. I have contacted through " certified mail '' XXXX XXXXXXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX, Experian, and XXXX many times. So tell me what gives this company the right to report false information? By reporting anything I say is false on my credit file is a violation to federal law.

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 2017-11-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent Portfolio Recovery Associates ( which is a debt collection agency ) a dispute letter, I than received a letter from them on XX/XX/XXXX telling me that I have to pay them {$170.00} because they are saying that I have a contract with them in which I do not. They are claiming that I have a contract with them, in which I do not. They are trying to collect a debt from me in the amount of {$170.00}, On XX/XX/XXXX they have reported to the Credit Reporting Agencies, that I have opened a new account with them which is  clearly not mine. Portfolio Recovery Associates has also placed this false info on my credit reports that reports my credit, XXXX, XXXX and XXXX. I am a victim of identity theft and my info was compromised by an unknown person and my info was used without my authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
American Express charge card In last two years I got the same answer twice. 

Situation - I called them to cancel my card and told them that they should not honor any more charges post cancellation. They said I am liable for charges for perhaps upto 9 months after the card is cancelled. They told me that it is because, merchants are their customers too and when we use the card for subscription billing, they are liable to honor the merchants transaction even after cancelling the card. This is not right and does not work in favor of card holders who should be in control of transaction. 

Pl dig into this as this is a larger issue that affects sr citizens and poor people who are being squeezed by large corporation.

Company response to consumer: Closed with monetary relief