BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2019, I made a payment to Capital One Bank for a credit card which I have had in my name for more than 3 years.  Shortly after making the payment in the amount of $XXXX, the credit card was restricted from use.  I was instructed to phone a telephone number owned by Capital One Bank and was told the card account was restricted due to fraud.  I was asked to send in identity documents, resident documents, and a copy of my ssn.  I sent all this information to Capital One Bank and waited for a response.  I received a letter in the mail from Capital One telling me that they had placed a hold on my account due to fraud and again to phone them at the telephone number on the letter.  I made the call to Capital One on Saturday, XX/XX/2019.  I was told that they received my documents however, they wanted my bank statements including my personal bank account number, another copy of my id document front and back blown up 225% and a utility bill with my address upon it.  Until then they would not unrestrict my credit card.  I then asked if they would close my account since I had provided them enough personal information and they have recently suffered a data breach.  They have not closed the account nor have they responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: EQUIFAX, INC.
State: KY
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 am a victim of fraudulent/inaccurate accounts appearing on my credit file. I have sent complaints to the credit bureaus for the last 120 days and my issue was not resolved. My rights as an consumer are being violated according to the Fair Credit Reporting Act. My general reputation is being tarnished which is hurting my ability to obtain credit. I am XXXX XXXX and financially, I will seek remedies if my issue is not resolved immediately. The credit bureaus have failed to resolve my issue which I was more than patient in waiting for a resolution so I filed a complaint with the Federal Trade Commission for fraud. The fraudulent/inaccurate items are still appearing on my credit file and I need them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company processed an incomplete cease and desist by still using an indirect medium of communication with the consumer after being directed not to violating 15 U.S.C. 1692c ( c ). The company stated in the communication that the consumer owed a debt violating 15 U.S.C. 1692b ( 2 ). The company also used language and symbols in both the communication and envelope indicating that they are in the debt collection business violating 15 U.S.C. 1692b ( 5 ). This company has caused a great amount of harm to my reputation as a consumer directly violating 15 U.S.C.1692d ( 1 ). They also used language to abuse me as a consumer, along with causing my phone to ring numerous times and even gave the implication that nonpayment of the alleged debt will result in the seizure of my property. This action was a number of violations being 15 U.S.C. 1692d ( 2 ) ,1692d ( 5 ), and 1692e ( 4 ). They also reported credit information which is known to be false by the failure to communicate that the alleged debt is disputed violating 15 U.S.C. 1692e ( 8 ). This company has gave the consumer the false implication that the account has been turned over to innocent purchasers for value as well as compiling forms to create the false belief in the consumer that he is not the original creditor violating 15 U.S.C. 1692e ( 12 ) and 1692j ( a ).

It is a fact this company has civil liability for the violations committed against the consumer under 15 U.S.C. 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: Louisiana Recovery Services 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have requested proof of the original obligation and documents as well as the below I am requesting that Louisiana recovery services at XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX Phone : ( XXXX ) XXXX you provide verification of this debt. 

your account nmber ending in XXXX XXXX each in the amount of {$130.00} and beginning with XXXX for XXXX dollars I requested that they Send the following information : The name and address of the original creditor, the account number, and the amount owed. 

Verification that there is a valid basis for claiming I am required to pay the current amount owed. 

Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
Whether this debt is within the statute of limitations and how that was determined. 
Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. 

I need more details about what you claim I owe so that I can make an informed decision. 

Moreover this debt under Louisiana Laws Civil Code CC 3494 Actions subject to a three-year prescription and not collectable when reported in XX/XX/2019 and thus a violation of state and federal law. The information is not valid and the information reported is a violation of The Fair Debt Collection Practices Act ( FDCPA ) the main federal law that governs debt collection practices see 15 U.S.C. 1692. 

I dispute the information contained in my equifax credit report and Transunion credit report also and request they supply me above requested information Sincerely, 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 2020-05-28
Company: EQUIFAX, INC.
State: NC
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 requested Equifax to update the XXXX XXXX account. The credit report agency ONLY changed the update online. On the paper credit file report XXXX ; there is no change. I will attached upload pics showing this.Please review ALL ; but specifically page 1 of 8, 3 of 8, and 4 of 8. Thank you. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Looking to remove PMI after my LTV hit 78 %. Company is telling me I need appraisal or I can wait till XX/XX/2021 and then PMI will come off automatically. The company does not explain why they wont remove PMI prior to the original date even though I have never defaulted on any payments and they are completely up to date. I also verified the LTV is at 78 %. I spoke with Wells Fargo and they refuse basically because they want more money. I do not understand the need for the appraisal if the PMI will be removed come XXXX without having one. I am being penalized for paying on time and early. The homeowners protection act states the lenders are to remove PMI once the LTV has reached 78 %. I am not at the 80 % that would be the minimum to request PMI removal. Also during the call I mentioned placing a complaint and the agent told me they did not care and the company will deal with it when it comes through. The customer service is atrocious as I was told I would be contact by end of business and never was.

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 2021-03-28
Company: EQUIFAX, INC.
State: PA
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 and it is showing inquiries that are not mine. I repeat! these are not mine. I have no recollection of doing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Experian Information Solutions Inc.
State: IN
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 letter is to all 3 credit bureaus I notice that there is a Bankruptcy on my credit report. 

I'm requesting verification of the process that was used to verify the information with the credit bureaus. What methods they use to verify the information I'm requesting that the credit bureaus all 3 provide A. The name of the Court house B. The name of the person they verified the bankruptcy C. The Address and telephone number of the courts D. The docurmentation use to verify the bankruptcy

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 2020-05-28
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I was told at the Best Buy store that when I added a purchase to my Best Buy credit card by Citibank that any payments I make on the card with the 0 % interest rate for 24 months would be used come off of the original purchase first and then be used for any secondary purchase after that. I set it up so my payments were made automatically on my card every month and that so the original purchase would be paid off by the time I would have been charged any interest. Instead, the credit card company must have allocated my payments every month to my 2nd purchase, thus when the 24 month period had ended for my 1st purchase, they claimed I still had not paid it off and slapped me with an {$870.00} interest charge for the 1st purchase. I called and explained that I wanted this interest charge removed because it is a shady way of offering a 24 month interest free promotion. Very shady. If I would have not added any more purchases to the card, the first purchase would have been paid off. So, they punished me for making an additional purchase on the card while I was paying off the first purchase.

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 2020-09-03
Company: Rocket Mortgage, LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In the process of looking for a mortgage, I was contacted by XXXX XXXX XXXX from quicken loans. We discussed our loan options but he was unable to provide an immediate loan estimate or good faith estimate of fees, at which time he requested we upload our signed purchase contract. He used this information to contact my Realtor XXXX XXXX, which I did not agree to, as well as sending our information to his loan officer as if we had agreed to proceed, which we did not. We feel harassed by his repeated callings and are afraid our personal identifiable information may be  leaked by this person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I received a payment on my cash app last Monday in the amount of {$6700.00} so when I went to check to see if the amount of the money was available cuz I got email that amount was available but I wanted to check it to verify when I log into my cash app I was met with a message of me needing to verify my identity so I followed the choices and they gave me to verify my identity cash app has a huge problem with scanning the back of people 's state ID or driver 's license it does a great job scanning the front but nevertheless they gave me the choice to scan my driver 's license or scan the debit card that was linked to my account so I chose to verify with the debit card that was linked to my account once I did that I waited the very next day I got a notification saying that they were unable to verify my identification so I went on to the app she do it again but it did not give me that choice so I went to the settings to see what I could do so I verify my identity and I was met with a notification that my account has been closed with my money still in it so then I proceeded to see if I could use the cash card that came with the account to take my money out I was not able to use that because they deactivated the car so now I've been trying for almost two weeks now to figure out how to get the money out of the account I have sent them emails and all I get back is the same exact email response that they have been trying to contact me for a week which is not true so they decided to close the case so now my money is stuck inside of cash that they do not have a customer service number that you can call speak to a live person check that their customer service line is fully automated and it does not give you the options on how so it can help you get your money back refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: LD Holdings Group, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The Loan in discussion is Loan Depot Account # XXXX the issue at hand is a late in XX/XX/2020 in XX/XX/2020 I was unwell with Covid-19 I tried calling to defer the payment and could not get ahold of someone at Loan Depot. Once I was well enough to work I did make the payment immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I dont understand Citibanks overdraft system. It is very misleading. I log in to my account and I see my account being negative with pending transactions. I immediately make a deposit and I still get charged fees. I have been charged 3 or more fees because of this. My end of day balance never goes negative. The transactions that come in are pending. Why would I still be charged a fee?

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 2020-07-06
Company: EQUIFAX, 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 applied for a business loan today XX/XX/2020 but I did not get approved because of an account from a company called XXXX XXXX XXXX reflecting badly on my credit report. I had no idea that this account was on my credit because it's not mine ; I never opened this account nor do I have any written or verbal contract with this company and I never gained anything from that account being open in my name such as money, goods, services or any other benefit. I don't know who could have opened this account on my behalf with my personal information but I have never given anyone permission to do so therefor I have already filed a police report. I also never contributed to any payments that might have been made towards that account balance. I have filed this report to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: TCF NATIONAL BANK
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello - I had an original mortgage loan through XXXX bank. They merged with Chemical bank. When the merger was complete they deleted my login information. We had to create a new username. When I tried to create the username it asked for my loan # which they did not provide. My old loan number was changed. Getting through to their customer service is impossible. It took me 3 days and several hours. You wait on hold for over an hour and then you get disconnected or the representative puts you on hold and you get disconnected. 

Once I finally was able to login all I can do is pay my minimum payment. They will not give me information on what my loan balance is or what the interest rate is ( It's a variable rate ). I had visibility to all of this previously. When I called to ask why I could not access this information they put me on hold and then hung up on me. This is after waiting to get through for 2 hours on the phone. 

I have no idea if they are applying my payments, if they are changing my interest rate, etc. And it's impossible to get through to anyone. They don't respond to emails either. This is such a problem I'm looking into refinancing with another bank. Overall this is a very unethical bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2020 URGENT ATTENTION CAN SOMEONE PLEASE HELP!!!!! 

To Whom it may concern : Re : Account # XXXX Address : XXXX XXXX XXXX XXXX Ca XXXX Dealing with BofA has been such a horrible experience since XX/XX/2020. On or about XX/XX/2020 I called your office then transferred to the escrow department ( 1st call ) and after about 1 hour and 45 minutes of being on HOLD I made contact with a representative and was advised to pay the total amount of {$6200.00} in order to cure the current balance of {$3500.00} and TOTAL escrow SHORTAGE amount of {$2700.00} in order for my monthly payment to be what the original monthly amount of {$3000.00}, then I was informed by your office that the following month the amount would adjust for XXXX billing. 

I, then received the new statement the 1st week of XXXX and the total was {$3500.00}, I immediately called your office and was again transferred to the escrow department ( 2nd call ) and after being on HOLD for almost 2 hours again someone finally answered and reviewed my account and mentioned the case was closed and the adjustments would be done but I needed to wait about a week, then 2 weeks later on or about XXXX XXXXthe again I called ( 3rd call ) again wanting to pay amount due however the amount still showed {$3500.00} as due and no adjustments done!!!!!! So then I called back on XX/XX/XXXX ( 4th call  ) almost 2 hours and the same circus NOTHING DONE!!!!!! 

Its XXXX the XXXX and now there are 2 months that are due {$7000.00} for my mortgage!!! What am I supposed to do!!!! CALL AGAIN!!! XXXX NO!!! Someone needs to be held accountable!!!! 

XXXX XXXX ( XXXX XXXX XXXX Owner

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 2017-08-08
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage that is being serviced by Bayview loan servicing. I am not late, or behind on payments, but every month they start calling about the payment. Today is X/X/2017. The payment is not considered late until after XX/XX/XXXX, and I mailed them a check last week, so it will get there way before XX/XX/XXXX. So far today they have called me 7 times from 3 different phone numbers, and it is only XXXX XXXX. They are harassing me, and I am sick of it. The calls start early in the morning, and continue throughout the day. They are acting like I am in default, and I am not. My payment has been made every month, but they do this to me every month, and I have been paying on this loan for over ten years. They really know how to XXXX XXXX a good customer. I would refinance, but the loan has very good terms. ( They did not originate it. They took it over from XXXX ) I want them to stop calling me like this, and I told them so. The calls only increased after that. These calls are causing me stress, and anger. I do n't think they should be able to call and harass me like this when I am not late on my payments to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a home loan with Select Portfolio Servicing. Prior to onset of Covid 19 that resulted in California being shut down ( XX/XX/2020 ) I had not been late in making my mortgage payments. I own a XXXX XXXX XXXX and due to the Corona Virus and the lockdown, I suffered significant financial loss and at the end of XXXX of 2020 I applied for a loan modification. After some back and forth and providing them all the documents they requested I was turned down for a modification. I am still unable to pay my mortgage as my business has not returned to normal ... .people are working from home and there is little need for XXXX XXXX XXXX. I have tried to negotiate with SPS but they refused to modify my loan saying only that I do not meet the guidelines of the investor/noteholder but then do not outline what those guidelines are. I have repeatedly requested what those guidelines are but do not get an answer. I was given a forebearance of 3 months. At the end of that 3 month period and while my loan modification was in process, SPS demanded a balloon payment of {$10000.00} due on XX/XX/2020. This was impossible to pay, resulting in my being in default and I now fear they will foreclose on my home. Additionally I believe SPS to be in violation of the CARES act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation