BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-17
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter in the mail about a debt- car loan- that is not mine. Called them and let them know. Was told they will keep calling and mailing me, used foul language. I have contacted my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Brock & Scott, PLLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company just recently tried to contact me once by phone about 2 weeks ago about making monthly payments have not received anything in the mail.Until it's paid off the guy was understood my situation have have work since XX/XX/2019 lost everything I owned during the hurricane last year can't even XXXX my XXXX XXXX XXXX  and gettng around in a XXXX. Can't afford to go to doctors to get the XXXX  need for my XXXX with no income. It shows on my credit report as it been charged off so trying to understand now why would I be sued instead of trying to be giving a chane. The amount is XXXX XXXX that is owed and willing to try and pay something monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I am unhappy and seldom a user of Chase 's credit card. 3 years ago, they left me on my own and allowed a dentist to take {$4500.00} of my money without fulfilling their responsibility and fixing what they charged me for. After that time I stopped using Chase card altogether but I was told if I close the account it would impact my credit score negatively so I held on to the card. 

Last XXXX, I made a reservation for a group of friends for a XXXX XXXX trip that due to large bill size I had to split the cost into two credit cards ; one was a Chase bank credit card. Due to recent Covid events in XXXX that impacted almost all of the people in my party we decided to cancel the trip. The portion of refund in my Chase credit card was {$12000.00}. I contacted the credit card 's customer support on the XXXX of XX/XX/XXXX and was told the request was noted and I would get an email within 24 hours. After 48 hours I did not get any emails. 

When I called to check on the XXXX of XX/XX/XXXX, the agent told me that the request is in process and I would get a response with 24 hours. Again no email was received after 4 days. I called back and tried to talk to a supervisor on the XXXX of XX/XX/XXXX and all I found out my request is dated the XXXX of XXXX and not the XXXX. Also, the only help I was given was a mailing address and a Fax number. in XXXX where everything is instantaneous and electronic I was given options more suitable to XXXX. 

Over and beyond, I was told that they would send my money by check which usually takes 7 to 10 business days and naturally another 3 business days to be cashed into my checking account.

This is a daylight robbery from thousands of people like me who have a negative balance where Chase is profiting illegally. On their own website, they publish the rate they are charging others for my money is ( https : //www.chase.comXXXX ) is 0.0308 % /day which adds up to {$3.00} a day or {$110.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2021-05-17
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 I sent XXXX, Equifax, and XXXX  a letter asking for them to verify the method of verification they used for my bankruptcy. They responded with a copy of my credit report and Equifax never responded to the the method of verification letter that I sent to them at all. I also sent letters to the companies to the third party agencies that held my bankruptcy info to find out what method they used to verify and also received little to no responses from them. Two of them just sent back verified and I should contact XXXX, but still not providing the method used to verify the information. Equifax never responded so I called them XX/XX/2021 and they stated they can not send out a method of verification by mail. They get the bankruptcy info from the courts and from the consumers. I told them consumers don't send in bankruptcy information and neither does the courthouse and they proceeded to tell me I should contact the courthouse, which I had already done so and they sent me back information stating they do not verify any information with the credit bureaus. 

The credit bureau sent back my credit report instead of methods of verification information that I originally had requested. If they could not reveal to me how they verified this item then it needs to be deleted according to FCRA. They once again refused to delete the item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year This item needs to be deleted from my credit report if it can not be verified within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Dovenmuehle Mortgage, Inc.
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Company is not refunding my escrow balance. Home is Sold loan is paid in full. Company has not refunded within the 30 day time frame they are required to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Garcadia Financial LLC
State: NE
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:
On XX/XX/XXXX I spoke with the sales manager to get prequalified with XXXX XXXX XXXX XXXX. I am completely aware that during the financing process they submit multiple credit applications. With this fact in mind, I specifically instructed the sales manager that I ONLY WANTED TO ACQUIRE FINANCING WITH XXXX. I specifically instructed the sales manager to avoid shopping my credit around because I did not want numerous inquiries on my credit report. I am in the process of acquiring a business loan and was told to avoid that sort of activity. The sales manager did not properly communicate my authorization to only submit 1 credit application to the finance manager, which resulted in the UNAUTHORIZED SUBMISSION to several lenders. The General Manager of the dealership has admitted fault and apologized for the unauthorized submissions. While it does bring me solace to know their actions were not malicious, the accidental submissions has hurt my credit report and ability to acquire a business loan. I have challenged the inquiries with the credit bureaus and have been referred to challenge these directly with the lenders.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX I submitted XXXX XXXX XXXX XXXX to Fedloan servicing requesting that in school deferment is removed starting XXXX. I requested that the Fedloan servicing applies all the months of repayment while in the school deferment after XX/XX/XXXX while working for a qualifying XXXX  employer and still going to school. I requested that Fedloan servicing up updates my payment count under the XXXX XXXX XXXX XXXX from XXXX XX/XX/XXXX. Today I received an email from Fedloan servicing stating that a deferment will be applied on my account and payments will be postponed. I am attaching screen shot of that email. I did not request deferment on my account to postpone payments. I requested that any previous deferment that was placed on my account is removed so that those payments can count towards XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-08
Company: Curfin Holding Company, Inc
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
In XXXX when COVID hit, I lost my job. I contacted my lender and notified them that I couldn't make payments, but I would try. They allowed me an additional 30 days to try and come up with a payment and I couldn't. I lost my place of residency as well. They XXXX   my vehicle because it was towed due to 2 flat tires I had and couldn't fix and XXXX police department towed it and they notified my lender. They went and retrieved it. I tried to call and get it back, but they said they already had out it up in an auction but if I wanted to purchase the vehicle outright, I can with the amount exceeding XXXX which I DEFINATLY do not have. I noticed a hard inquiry on my credit report yesterday and I contacted them thinking that someone tried to get a loan in my name, but come to find out that this lender ran my credit without my authorization and they said they sent me letter and did not get a response .. as I indicated to you I became XXXX   and I did not receive these letters. They told me that I just ignored them and I did not. I am trying so hard to repair my credit to the best of my ability, and I asked her why did she run a hard inquiry. She told me she can do that and she plans on doing a hard inquiry once a month which I do not agree with. She told me that if and when I'm employed, she will have my wages garnished to pay the remainder of my vehicle. I am scared. I am still seekinf employment and I am a XXXX mother with XXXX boys XXXX and XXXX and all of us live seperstky due to the Covid and the entire situation. I write to u because they are going to ruin my credit more than it already is. The way they conducted towards me is in acceptable and I fear what's to come. I tried to reason with them and they want one lump sum payment of half of what I owe which is about 4000 and I have nowhere near this amount of money. I explained I am XXXX, I do not work and I can't do what she is asking me to. They wouldn't even consider monthly payments. XXXX refuse to work with them any longer. I needed to reach out to someone because if she runs a hard inquiry once a month, I will never be able to have some kind of living environment for me and my boys, let alone if and when I do find a job, she thretenws to take my wages. What do I do.?? I couldn't even sleep last night. I hurried a son XXXX rates ago and his anniversary is coming up.. I have to go to XXXX because if all these problems. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Account Control Technology, Inc.
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a call from this Account Control Technology at XXXX  XXXX time from XXXX. I was n't able to answer the call, but called back at approximately XXXX. I followed the prompts and got " XXXX '' on the phone. XXXX took my cell number and attempted to contact the department that was handling the claim. XXXX came back and told me that that department was closed and that I 'd have to call back. I asked how that could be since they JUST called my house. She said that they were calling to " get my attention ''. I asked what would have happened had I answered the phone, and she started to repeat herself. When I tried to ask how they could possibly have closed in the 5 minutes it took for me to return their call, she got irate and screamed into the phone " have a nice day! '' and hung up. I called back, and got her on the phone again. I told her that I 'd be reporting the calls, and she hung up the phone on me. I have no idea what this company is calling about, and I want the calls to stop if they have nothing to do with me.

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 2023-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit ate for any purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
We used PayPal to receive payment from customers this winter. Never had dispute or refund request. PayPal decided that activity was suspicious and put 6 month hold on amount we collected in two of our construction businesses. We can't wait to get money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted the holder of my XXXX XXXX XXXX XXXX, PA - XXXX to apply for forebearance for hardship related to the pandemci under the Cares Act. Customer service represenative XXXX was very persistent about asking speific questions related to financial need for forebearance and asked questions regarding employment and finances my financial outlook. XXXX also suggested numerous times that they would allow until the end of XXXX to make my XXXX payment. He also initially advised that missed payments would be due all at once, as a balloon payment, at the end of the forebearance period - I did dispute this and pointed out that it is a federally backed loan and a balloon payment can not be required as a repayment plan. He backtracked and said the only other repayment option would be the missed payments would have to be doubled up for subsequent payments after the forebearance ended - i.e. each month after forebearance I would have to make 2 payments a month until I was caught up. I don't think he can determien what the repayment options will be and also with federally backed loans I don't think they can require such stringent repayment options. He said there would be no other repayment options available. XXXX then continued to probe and question my financial situation - I had to insist that my request for forebearance be initiated and processed. XXXX advised that I would be receiving forebearance paperwork by snail mail - I expressed concern that I would miss the XXXX XXXX deadline and questioned about possibility of processing request online- he said there is no deadline. Finally, he told me the forebearance period would be determined by his managers - they would determine whether it would be 3 or 6 months and I would find out once I received the hard copy paperwork in the mail. I am upset by the persistent probing of my financial situation, the scare tactics of the stringent repayment options which don't align with the Act for federally backed loans, the lack of information regarding this forebearance on the website, inability to apply online and only via snail mail, the practice of them determining the period of the forebearance, and my concern that I am being told there is no deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various XXXX XXXX XXXX  declarations. I don't believe the circumstances surrounding this record are accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Citibank LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX CA XXXX We started this short sale on X/XX/17. We have been trying to gain closing approval for the last 3 days and have been having several issues with Citi : 1 ) Vesting -- - XXXX XXXX, the closer, demanded that vesting be changed stating that title had to be in the sellers individual name and not his trusts name per their vesting that existed when the loan was taken out. The only problem is that the loan was take out in the name of the trust with the seller as trustee ( See attached Title Report and Recorded Deed of Trust ).
2 ) Patrick demanded that the buyers closing disclosure ( CD ) be altered in a way that would be both a TRID and RESPA violation. He demanded that the closing date on the Buyers CD, which is actually the consummation date ( the date the buyer signed loan documents ) be changed to match that on the sellers CD. This obviously ca n't be done as California is not a table closing state and our lenders do not table fund. ( See page 5 of the attached Understanding TRID Forms ) 3 ) Contacting XXXX to discuss this has become almost impossible as we have been told that he no longer has a telephone and leaves his intercompany IM turned off. The only way that we have been able to get XXXX to respond to us is by calling someone else in Citi and having them walk over to XXXX building to see if he is there and ask him to actually open his emails. When this was finally done, and XXXX  finally responded, he stated that the closing date on the buyer CD is required by federal law. WE have, in fact, verified that this is a lie and that this is something his department has made up. ( Again see page 5 of the attached Understanding TRID Forms. ) Have the negotiators at Citi actually received TRID training and specifically training on how to read a buyer side CD? I can tell you the answer is NO. I should also state that we have closed over 2500 short sales ( and multiple with Citi since TRID went into effect ) and this is the first time a buyers side CD was requested.
So my real question is why is this being done? Why are we being asked to put title into a name that is not on the original loan docs? Why have demands been made to violate federal law with violations of TRID and RESPA? Is this just the attempt of someone that is extremely overworked to push a file aside for later review?
We would like answers as to why there have been multiple illegal servicing activities on this short sale file since its beginning ( Please see our CFPB Complaint Filed XX/XX/2017 Case # XXXX ). What is going on at Citi? A lack of staffing, training, ethics?

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 2020-04-24
Company: JPMORGAN CHASE & CO.
State: IL
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:
Chase recently closed a credit card account without asking or notifying me. When I called to inquire why, they said it was due to " bank policy ''. The account was current and in good standing, as are all of my other accounts with them. The representative I spoke with could not reinstate the account or provide any explanation for why it was closed. 

Based on a career spent XXXX XXXX XXXX  XXXX XXXX, I know these types of things can happen by design or by accident. When policy is referenced, I assume the process is working as designed. 

I'm confident they can do better.

Company response to consumer: Closed with explanation