BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-08
Company: Dovenmuehle Mortgage, Inc.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I obtained a home mortgage through a non-profit housing agency called XXXX XXXX XXXX. I made my payments through a mortgage servicer named XXXX , XXXX. I fell behind on my payments because my husband was in 3 serious car accidents and XXXX XXXX. We incurred thousands of dollars in medical debt and were working with XXXX, XXXX On a loss mitigation that was supposed to be effective XX/XX/XXXX. In late XX/XX/XXXX, I received a notice that the XXXX XXXX XXXX had sold my mortgage to a new servicer called XXXX. They are out-of-state and do not have area offices. I tried to register for an account to access their online system to understand what was going on, but received an error message because they have no record of my loan. I then called XXXX three calls and spent a long time on hold each time before I could speak to a human. XXXX is like a black box when it comes to accessing information or assistance, but has been very effective at sending 2-3 delinquency notices a week ( including 2 letters yesterday ). I was finally able to speak to a loss mitigation specialist this week only to be told they dont have any information. They have not received my files and asked me to contact XXXX to obtain the files myself since they might not have them until XX/XX/XXXX. The trouble with this that my loan will remain in collections and I will not be assigned a loss mitigation counselor until I receive it. The bigger concern is that even though my modification had already been approved by XXXX, they are treating my loan like a delinquency. My modification will now need to be reviewed and approved by XXXX. This will further prolonging the issue that I had already taken each and every painstaking step to resolve through the appropriate channels. I contacted the XXXX XXXX XXXX ( XXXX ) and asked them to address the Commissioners to let them know how disappointed I was that they sold my mortgage to an out-of-state company that only allows FHA recipients to make payments through the mail and not electronically, and that my loan modification fell through the cracks. XXXX instructed me not to and has been sending me emails that include their executive staff. This is very intimidating and it feels like now they are punishing me by telling me I did not comply with the terms of the agreement when I have not received any letters from XXXX, XXXX, XXXX, nor HUD telling me as much. All I want is to put the ordeal of my husbands medical problems and delinquent mortgage behind me. I have done everything right to make this happen, and am challenged to understand why Im suddenly back at square one with XXXX. I want to pay my XX/XX/XXXX mortgage payment and I want to stay in my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Experian Information Solutions Inc.
State: IL
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2017-07-31
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
XXXX XXXX, 2016, we had a wire of XXXX from XXXX XXXX to our Chase bank account. Besides XXXX dollars international wire service fee on service list, the fund was deducted XXXX dollars before came in our account. We want to know who took this XXXX dollars? We tried to contact Chase local branch, they transfer us to their executive office, however no one answers this question.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-08
Company: EQUIFAX, INC.
State: FL
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:
In 2015 I had rented an apartment from XXXX XXXX and had to break my lease losing my deposit and when I returned the key, was told that they looked forward to renting to me again in the future. 

Recently I paid {$450.00} deposit to look for another rental. Before I was approved for the rental I went into the office to cancel the request. The document I signed stated that I would lose {$75.00} for a filing fee. The office manager stated that he was not giving me back my deposit and called the police to have me removed. I waited for the police, showed them the document, and they convinced the manager to return the remaining {$370.00} of my deposit. I have attached a copy of the document discussed. 

I then notice that on my credit report I see a collection from XXXX XXXX XXXX for {$3700.00}. I have never been notified of what this debt is for and have no idea what it is. I discovered that it was filed by XXXX XXXX. Upon further investigation, apparently XXXX XXXX is not at all reputable and perform these sort of 'vindictive ' actions if any customers dispute their practices, as when I waited for the police and got my deposit back. 

Please advise me on what to do to have this illegal item taken off of my credit report. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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/XXXX I sent a request to CAPITAL ONE BANK USA NA to validate the account that was opened on XXXX XXXX, XXXX with a balance of {$5900.00}. To this day, the creditor was failed to answer my request as they are required by Federal law and I'm very concern because I believe this accounts was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Transunion, XXXX, and XXXX, XXXXXXXX XXXX XXXX  and XXXX, repeatedly violates FCRA Section 621 ( a ) ( 2 ) of the fair credit reporting act 1681 ( s ) ( 2 ) knowing the violations of the fair credit reporting act, after making a law not to report judgements, public records, and tax liens, they are still reporting it on my credit report, and re-aging old debt, and they are reporting tax liens, and accounts that are 7 to 10 yrs past statute of limitations for credit reporting, these companies a required by law to remove these items or I am seeking legal remedy. I have grown with frustration constantly disputing these items with the credit reporting agencies, and them not abiding by the fair credit reporting act and doing nothing about it to correct, and delete accounts. This accounts were disputed by FCRA before and found to violate FCRA policies, the credit bureaus removed these same items, then 3 yrs later started reporting these items again, in XXXX  when they thought that I was not monitoring my credit.

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 2022-01-17
Company: EQUIFAX, INC.
State: IL
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:
These are inquiries that I have attempted to get information on that were not authorized. XX/XX/XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXi XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX ( twice ) XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: U.S. Collections West, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, I have reached out to Us Collections through CFPB, I filled a complaint because they are reporting a false amount on my credit file and also reporting a debt that 's not mines. They are reporting a debt from a company that is no longer in business and in fact selling condos as i have provided in pdf form and in addition this company stated in my CFPB response that i dispute this alleged debt every month in fact i do n't and yes i have sent 3 times a request for validation as they wont give me anything for an apartment, like a lease my drivers license, my signature. I do n't need a letter saying you sent me validation with nothing attached as proof, Im sure as a company you know that 's not validation. XXXX XXXX the mgr @ us collections west, Please send me the lease and my drivers license, you stated that you mailed me a letter on XX/XX/2017 certified mail, provide the return receipt and a pdf with my signature and the address you mailed it to. Im a single mother and trying to better my life and your company are reporting false and detrimental claims against me and this is horrible!!! all i ask for is proof and the correct amount, if there is none do whats right and delete from my credit file. I ca n't sleep at night knowing i did n't create this debt of $ XXXX!!! lets face I 'm not owning this debt and it has only 3 more years to report!! if you have a heart and a family and know how hard it is in this world and review your files and delete as this honestly not me as i have lived in XXXX XXXX for the last 6 years of my life!! I pray that something changes and GOD has his hands in this .... 

Thanks 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 2017-07-28
Company: Ditech Financial LLC
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Called Ditech today spoke to XXXX who was extremely rude. I asked for XXXX XXXX said she was not in that he can handle my call proceeded to harass me about the {$4200.00} arrearage and asked when I can pay it refused to allow me to speak to XXXX. I asked for her voicemail and was told she did n't have one which I know for a fact is a lie. Called back spoke with XXXX, again asked for XXXX at extension XXXX and was told she was not available ask for her voicemail again and was told voicemail box do n't work during business hours. XXXX said she would email XXXX this was at XXXX XXXX XXXX it is is XXXX XXXX  and I still have not received a call. This is the runaround I have gotten. Three weeks ago tomorrow I spoke to XXXX with Ditech explained that the link I was mailed was expired she said she would email the paperwork to date I still have not received. I will try to open the attach sent with the response on this. I have all the paperwork except the paperwork from Ditech.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I reached out to the companies and transunion that had ran my credit without authorization and did not receive a response. After several attempts and weeks of trying to resolved this issue I reached out to the credit bureau and they disputed the inquiry, however the companies did not respond and the credit bureau asked for an extension. I am requesting that these unauthorized inquiries be removed ASAP. All credit bureaus have complied except trans union and continue to report this information without permission.

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 2018-03-16
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX bought out my credit cards with both XXXX XXXX  and XXXX. At time of switch they lowered my limits to below the amount I had borrowed previously then charged me fees. I have since made all accounts current and they closed my XXXX account affecting my credit. I have messaged and they refuse to reopen although they did not close my 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 2017-11-30
Company: Rocket Mortgage, LLC
State: NC
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:
Hard Hit Inquiry without permission XXXXQuicken XXXX XXXX, 2017 Hard hit my credit without permission. Tried to call and have it removed. They could n't reverse it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Dear Sir/Madam, My overall experience with Navient Loans has not been a pleasant one. In the past few years Ive experienced several instances where representatives misguided me when applying for REPAY as you earn plan. This caused me to be in forbearance longer than I anticipated or wanted. One particular incident I was in forbearance for a few months as I was informed that it takes a long time to process paperwork. This of course increased my overall loan amount and I incurred erroneous interest rates from being misguided.
When I graduated with my XXXX XXXX my total student loan was {$100000.00} but now 5 years later with paying the loan my total amount has drastically increased to {$140000.00}, which is beyond unethical.
Very recently I experienced a traumatic incident when I was not informed properly ( email, mail, phone call ) about my REPAY plan expiring which in turn Navient charged my bank account {$1600.00} for my monthly payment instead of my normal amount of {$240.00}. This was traumatic as I was traveling across country at the time and this caused my bank to be in overdraft and frozen for over 4 days as I disputed the charge with my bank since I never approved of this transaction.
This charge went through on a Saturday when of course Navient is not open on weekends. I tried calling the company multiple times on Monday morning but was never able to get through to an actual representative even after waiting on the phone for over an hour and half. I even called the number using a different phone to only receive an automated message stating we are unable to take your call at this time please try again later and directing me to their online platform to schedule a call but the earliest day available was Friday of that week.
Im beyond frustrated and looking for answers as to why my loan has increased this dramatically when Im making payments. Im not pleased with the level of customer service from Navient and Im currently exploring different loan options.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: CITIBANK, N.A.
State: NY
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:
SEARS/CBNA Account number on XXXX XXXX Account type Credit card. Date opened XXXXSEARS/CBNA and said my account Discharged through Bankruptcy XXXX XXXX. My account was paid and at zero balance when I filed for bankruptcy. I filed for bankruptcy because I became XXXX  and was a victim of fraud not because of bad credit. I complained several times SEARS/CBNA is reporting false information on my credit report and please remove it. I sent proof that SEARS/CBNA was not part of the Bankruptcy XXXX XXXX because I had a zero balance. They refuse to remove it and the representative said to me " you XXXX people are always not trying to pay your bills ''.

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 2022-01-17
Company: Square Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Made several deposits through XXXX and XXXX XXXX onto my cash app card to have money on my cash app prepaid card to pay my bills. After depositing funds woke up to login to my cash app account and my cashtag and user information no longer existed. I just disappeared like I never existed. Since I couldnt login to my cash app account I could submit complaint under my cashtag or user name. So I had to create new cash app account with new cash tag name to file complaint on my mystery missing account. I sent several emails and complaints to cash app with proof of my deposits, debitcard with cash app, copy drivers license and etc. Proving this was my cash app account and asking to please help me regain access to my funds. They said they couldnt this was at the beginning of XX/XX/2021. Still no resolution to my ripped off funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
There are two issues pertaining to all Wells Fargo accounts I closed on XX/XX/2018. Issue one concerns the secured card collateral of XXXX dollars the bank never returned after closing the secured card. The bank claims it takes 60 days to send out the refund. Issue two concerns the payroll check issued from my employer the bank received, but claims it needed me to provide information from the employer to verify the amount and it's date of issue. After contacting Wells Fargo customer service, the representative claimed that in order to receive any documents that verify the bank received any ACH deposits from the employer, I had to pay XXXX dollars. This is ludicrous! To add insult to injury the customer service person stated that it would take an additional two days before the bank began the process to verify any ACH deposits. Something is definitely amiss and it's time for someone to look into the situation.

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 2022-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
XX/XX/2021 Capital One closed my credit card even though I had been making my payments and was not deliquent. When I went to use my card it did not work. When I called them they said the account restricted. At which point I called the next business day to see what happened and they referred me to another number which I called. I was told that because I had a criminal background I could not have that card and they said it was in the paperwork that was sent to me when I opened the card. But looking at that paperwork nothing was there stating I could not have the card if I had a criminal background and nothing was said the card could not be used to pay a fine. I researched further to see if I could find anything on their website or documents stating this but found nothing. They told me they would send me a copy of the paperwork but I never received anything from them. They have been contacted several times about where the paperwork was but they have produced it. 

To me I feel I was discriminated against and was never fully advised of this restriction. 
They have not been responsive to me even though I've called many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Coinbase, Inc.
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
OnXX/XX/XXXX, I had made 3 different transactions for {$100.00} each to 3 separate Crypto Currencies thru the website called Coinbase. I have been trying to reach out to the Coinbase contacts and no response. It is nowXX/XX/XXXX and I still have no money in my account on their website. It looks like thru other forum sites that I am not the only person that is having issues with getting deposits to work on Coinbase. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery Associates ( PRA ) reported collection accounts against my social security in the amounts of {$770.00} and {$550.00} to XXXX, XXXX and XXXX credit reporting agencies. PRA has not provided documentation to support their allegation that they purchased and have a right to collect on the debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Please review attached underwriting disclosure for my home property XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. No escrow/financing is available to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation