BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Capital One Bank- Failed to give notice related to provisional credit that had already been reverse twice before. The bank conducted a reverse on the same day as the provisional credit of {$300.00}. dollars was given in XXXX of 2017. In an effort to deceive the customer, capital one engage in another illegal reverse without notifying the customer also, when log-in account the record failed to show up dated information. Customer had fund of {$82.00} in account an made transactions unaware that Capital One conducted another revision of credit because, notification was not given until today by phone. Capital One agent at ph # XXXX ( female ) refused to provide info by mail and made " unethical-XXXX   comments '' by stating " You should Civil Rights and WHY HE WAS TREATING ME LIKE A XXXX UNEDUCATED " XXXX '' AND MAKING CORRECTIONS TO MY WORDS? This man stated he was the MANAGER of Deposit but why was he so UNPROFESSIONAL AND VIOLATED ALL MY HUMAN RIGHTS Along with Capital One. Capital one also charged me over draft fees which, would not have been applied if the reversal of the provisional credit was not on my account without any notice Capital One did this and also, never provide dates to which the provisional revision was going to be applied to my account. Capital one also have another account which they have stole over {$600.00} from me for someone else social security payment that was revised but, it was charged to me because the person passed away nor, was notice given before they took my money on money market saving account. WHY ARE THEY DOING ILLEGAL ACTS TO GET MONEY FROM CUSTOMERS? I Plan to take legal action if this is not corrected and the way I was treated by XXXX made no sense. I should not be judged on the XXXX of my RACE OR BACKGROUND>> I am very disappointed in CAPITAL ONE. I had been a CUSTOMER FOR OVER 8 YEARS TO BE TREATED LIKE TRASH AND VIOLATING MY RIGHTS IS NOT PROFESSIONAL ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Regional Management Corporation
State: TN
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:
Regional Finance Corp. after charging off an account it alleges belongs to me has continued for the past 3 years to Increase and report the total Balance @ {$2500.00}, by {$69.00} each month from XX/XX/XXXX to present. *They report no Actual Payment Amount, nor Scheduled Payment Amount listed on credit report ; My credit scores have been somewhat consistent for the past few months actually going up, even with charge off, however on XX/XX/XXXX there was a major drop of 32 points due to RMC Balance Increase on my credit report. RMC has financially strapped me via Charge Off, financially gain by write-off debt to IRS and again financially gained with loss via government Pandemic Reliefs. Not only is RMC reporting Account Balance information incorrect ( loan balance, payment amount ), but also Account status incorrect ( showing charged off account, but reporting late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ad Astra Recovery has a negative collection item on my credit report reporting since XX/XX/15. I have disputed this item to have it verified and validated. I received notice that the debt was verified from the credit bureau but did not get anything showing how it was verified/validated from the company or the credit bureau.I requested via certified mail to have debt verified according to Texas law or be removed and the company did not send anything nor remove it.I have requested over 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Self Financial 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:
XXXX  SELF LENDER XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX Has been sending me collection notices in the about The collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Ditech transferred my mortgage to XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX. I did not receive the goodbye letter nor the hello letter, but they did transfer my payment that were set up on bill pay, per RESPA, for the first 60 days. However,XX/XX/XXXX, I called Ditech to get my 1098 information, which was the first time I was made aware my loan was transferred. I then began contact Ditech to track down my payment, and request for it to be sent to XXXX. To date, I have contacted DitechXX/XX/XXXX, XX/XX/, XX/XX/, XX/XX/, XX/XX/, XX/XX/, and today, XX/XX/, sometimes more than once a day. Each time I was promised this would be escalated to a supervisor for a call back to me within 24 hours. I have NEVER received a call back, I receive conflicting information each time I have called, from being told it will be received by XXXX no later than XX/XX/ ( still hasnt happened ), to they will will wire to my bank account and took my bank information ( which I was told on XX/XX/ they dont return directly to customers accounts, so now they have by routing and checking account number ), to it takes 30 days to get the funds to either XXXX  or me, depending on who you speak with. In the mean time, I had to borrow the money to make the XX/XX/ payment to XXXX so this would not negatively impact my credit. In the meantime, Ditech is holding me and my money hostage, and I am not receiving good customer service. They are just hoping I will go away, which I will once the payment is returned to me or XXXX. Every Call Center I have spoken with is pleasant, except the one that disconnected me when I said I would hold for a supervisor and not wait for the call back that would never come, but they do not seem to have the proper training, nor the procedures in place to know how to handle these types of calls.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax would not allow me access my free annual credit report and I was not given a reason. Equifax requested that I send them copies of sensitive documents like pay stubs, social security numbers, etc. Given Equifax 's history with not keeping information secure I have problems sharing any information with Equifax thru US Mail. 

I had no issues with XXXX XXXX or XXXX in getting the same information from the XXXX  site..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: United Debt Holdings, LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX my friend called me upset because a lawyer called her saying they were sending deputies to her place of business to serve me with papers for a lawsuit. She informed them that I did not work there and was not there but the woman continued to be mean and told her to give me a message which was her phone number and a case number. 

I called the number to XXXX XXXX XXXX XXXX and was told by XXXX that it was regarding a credit card from XXXX. The woman claimed the card had a {$500.00} limit and I owed the bank {$700.00}. She went on to say I was being sued for over {$4000.00} ( she said the extra {$3000.00} was for court fees ) and a wage garnishment would be starting. I told her I had no idea what this debt was and asked why hadn't I been contacted before. I also asked why they called my friend 's store looking for me. I have lived at the same address for seven years and have received no mail whatsoever regarding this matter. I've had the same cell phone number for 15 years. The woman claimed the business was listed as my employer at the XXXX County Clerk 's office. After hanging up I contacted the clerks office and was told they don't have that type of information. 

After going back and forth about me having no idea what this debt is about, I was told to ask for a chain of title from the bank that issued the card. I called Matrix the bank and was told they didn't have any information before XX/XX/XXXX and was told to contact United Debt Holdings where I was told to contact XXXX XXXX XXXX where no one answers the phone. I have left several messages. The recording says someone will contact you within 24 to 48 hours but its almost two weeks since my first call. 

I just want proof of this debt and I want this lawyer 's office to stop calling my friend. I also find it odd that this debt isn't on my credit report and just surfaced out of nowhere. XXXX has very bad ratings online and I can see why.

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 2019-05-24
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My husband opened a credit card account in my name. I recently found out about this account, filed a police report, met with the Navy Federal Credit Union representative along with a policeman from the Sherriff 's office of XXXX XXXX and my sister in law and my victim advocate. Navy Federal represenattive took the fraud claim information and responded that they found no fraudulent activity as well as a letter that due to the fact we are married, they do not consider it fraudulent. There is no proof I ever applied for this account nor that I ever had use of this account. The balance is a year past due and exceeds {$24000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
CONCERNING LOAN # XXXX EVERBANK Shortly after the loan was closed in XX/XX/XXXX,  I received 2 or 3 XXXX packages containing letters and documents making changes to the Closing Disclosure. I HAVE THE PAPERS DATED XX/XX/XXXX, but I am unable to find the one or two others. I need them. I have called Everbank 3 times and have received wrong documents twice. I have received no response to my recent email. 

Also I have filed 2 previous complaints to cfpb about obtaining the loan. Due mianly to my loan office 's incompetency, I got stuck with an ARM, at age XXXX, due to the % of renters in the condo complex being too high. I recently got notice from the HOA that the % of owners is now over 50 % making it easier to get a 30yr fixed. I would like a 30 yer fixed loan

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: DriveTime
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I was sold a vehice by drivetime and XXXX XXXX-upon trying to switch insurance companies I discovered that my car has a salvage title which was not disclosed to me in any of my loan documents and nor does it show in the banks system according to drivertime and XXXX  I have spent over an hour on the phone with both companies and nothing has been offered to me except for an image of my title and they told me to take the matter up with the XXXX. Drivetimes address is XXXX XXXX XXXX XXXX XXXX, XXXX, Az XXXX please help me at this point I feel powerless and they are not helping 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 explanation
Consumer complaint received 2018-08-11
Company: BMW Financial Services NA, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I was billed {$19000.00} for being past due {$1800.00} on my BMW lease. 

The car was repossessed and sold in the auction. I was not informed about the impending auction sale of the car while I still could pay the debt and get the car back. The lease contract ( attached ) says that I was supposed to receive the reinstatement rights letter and have 25 days to get current on my lease payments ( highlighted in the attached Lease Obligations document, point 26g ). I have never received the letter. When I spoke with Financial Services they say the letter was sent but apparently got lost. There is no proof of the letter being sent to me. The largest part of the bill I got is the difference between the supposed car value and the auction sale price. 

Consumer advocates website ( https : //www.consumeradvocates.org/fXXXX ) says : -You may be able to buy back the car by paying the full amount you owe or even bidding on the car in the auction. In some states, you can get your car back if you reinstate your loan and pay repossession costs. 

-The sale of the car must be done in a commercially viable manner, meaning that it is not sold for way below market value. This matters because you will be held accountable for the difference ( deficiency ) between the sale price and what you still owe on the loan. 

-In some states, the creditor must tell you if they are keeping the car or are planning to put the car up for auction. If there is going to be an auction, they must tell you when and where the auction will take place. 

In my case, I could not exercise any of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: EQUIFAX, 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 got my credit report, I disputed FRAUDULENT accounts from my report. I was FALSELY accused of using a credit repair company, I HAVE NEVER USED A CREDIT REPAIR COMPANY. I received notice as if I'm incapable of submitting a dispute and an affidavit on my behalf. I demand a response within 10 days. If I don't have a response in 10 days, I will be filing a complaint with the Office of the  Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: EQUIFAX, 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:
Unauthorized inquiries were discovered on my most recent credit report. I never gave these companies permission to access my credit report : this is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Something is very wrong here : I believe My Experian, XXXX  and XXXX  scores are being manipulated by the credit bureaus out of retaliation for the complaints I have filed. 
Facts : On XXXX My Experian score was XXXX - 7 Neg accounts, 1 collection for {$9500.00}, overall credit usage at 35 %, Total Debt {$22000.00} XX/XX/XXXX ; NOTHING CHANGED SCORE up to XXXX On XX/XX/XXXX. XXXX, A few good changes : Collection account was remove, Number of late accounts dropped from 7 to 6, Overall credit usage a bit higher to 39 % ( Score dropped to XXXX ) XX/XX/XXXX : MORE GOOD CHANGES : No collection, Credit usage dropped to only 16 %, Total debt dropped from {$22000.00} to {$7800.00}, Credit card debt dropped from {$6200.00} to {$2700.00} and a XXXX Charge Off for {$20000.00} was changed to settled yet my Score barely increases to XXXX So how do I have all these improvements, no other negative accounts and my score doesnt change? 
Take another look : On XX/XX/XXXX, I had a collection account, 7 Negative accounts, Credit usage of 35 %, total debt of {$22000.00} and my EXPERIAN CREDIT SCORE WAS XXXX On XX/XX/XXXX, I had the following Positive changes in my overall credit report : The collection account was removed, Overall Credit usage dropped considerably from 35 % to only 16 %, Negative account dropped from 7 to 6, Total debt dropped from {$22000.00} to {$7800.00}. My total Credit usage amount dropped from {$6200.00} to {$2700.00}, yet get this My Experian credit score barely increased by 3 points to XXXX. How is this possible, especially since it is well advertised that Overall Credit usage is $ 35 % of our combined score and mine usage dropped from 35 % to 16 %? 
Additionally, XXXX  is WAY WAY WAY off and always has been, look at the number of account amount owed and debt with XXXX  compared to Experian and XXXX. I have tried correcting this for years and XXXX  has done nothing. 
This errors cost me thens of thousands each year. That/s just me, imagine the damage to all Americans. 
****I guarantee the response I get from Experian XXXX  and XXXX  will be vague and not address the issue. 
This is one of many reasons why President Bidens plan to get rid of the Credit Bureaus will help over 100 million Americans. As all three Credit Bureaus have my information wrong, my score is inaccurate and numerous differences between each bureau.

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 2019-05-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Open check account. With the promise of XXXX dollars would be added to my account. 
After my first direct deposit was made and it was over 500 dollars. 
The amount deposited was well above the 500. 
The deal said the coupon would be automatically applied. 
Guess what. It was not. 
Second direct deposit made. Again over well over the 500 dollar requirement. 
Went to bank XX/XX/2019. After over an hour wait. Met with XXXX XXXX. Branch manager & 1st Vice President. His number is XXXX. They reviewed snapshots of my application on line. But could not figure why we did not receive a coupon. 
But they would look into it. 
Well was told we should know something by Wednesday. Wednesday  has come and gone. Was not contacted. As he said he would. Talked on Thursday  XX/XX/2019. It was like they have not done any thing. Today XXXX XXXX. He called and said : they have not done any thing. 

It was shown on their snap shots. We have done every thing right and met all qualifications. Therefore it is a simple matter of and over ride and deposit the funds in our account. There is no reason to with hold funds. Unless it is a scam. 

Still waiting on matter to be resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-17
Company: MORTGAGE SOLUTIONS OF COLORADO
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Sometime in XX/XX/XXXX, I was contacted by XXXX XXXX via U.S. mail offering a home refinance using the VA IRRRL program. The final discussion between the two of us was that the refinance will be done thru Mortgage Solutions of Colorado. On XX/XX/XXXX Mortgage Solutions emailed me a Closing Disclosure. I did not agree to the monthly mortgage amount so I called XXXX and told him that I did not like the amount. On XX/XX/XXXX Mortgage Solutions emailed me another Closing Disclosure with a smaller monthly mortgage. My wife and I signed that Closing Disclosure. On XX/XX/XXXX XXXX emailed me a copy of the same Closing Disclosure that my wife and I signed. 

In XX/XX/XXXX, I received a mail from Mortgage Solutions increasing my monthly mortgage plus a shortage amount for the duration of the home loan. 

In XX/XX/XXXX, I found out from XXXX that Mortgage Solutions did not impound my homeowners insurance which led to XXXX cancelling the insurance that I purchased. Because of the lapse in the in the insurance dates, my homeowners insurance went up. 

The reason I refinanced is to have a lower monthly mortgage. My monthly mortgage is much higher now and it went up further because of increase in homeowners insurance. 

I think that Mortgage Solutions played with the numbers in order to gain my business initially. They should also be responsible for the increase in my homeowners insurance. 

I have referred this problem to another government agency. They were not able to help me and referred me to your office. 

Sincerely, XXXX XXXX, XXXX. 
XXXX XXXX XXXX. 
XXXX, CA XXXX ( XXXX ) XXXX Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Mortgage Solutions of Colorado XXXX XXXX XXXX. 
XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-11
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I had an open account with XXXX XXXX XXXX in late XXXX. I paid them well until late XXXX. XXXX XXXX, has taken my situation as an opportunity to mislead creditors. In XX/XX/XXXX XXXX XXXX reported 120 past due and in XXXX they reported the same. Account did not go to charge off status until XX/XX/XXXX. I made several attempts, once I got back on my feet to pay XXXX XXXX, yet they sent my account to a third party. That third party promised to remove late payments from my credit file once Payment was rendered. I paid the third party, nothing was ever changed. In XX/XX/XXXX I reached out to XXXX XXXX to address the issue, they would not let talk to me regarding the account because it had been transferred. I reached out to Experian consumer reporting agency. Experian added a late payment to my credit that was false. It showed that the account was recently charged off witch affected my score tremendously. Both XXXX XXXX and Experian are at fault for false reporting. Experian has falsely updated information, the credit card company has stated it will not address my account.

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