BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-02
Company: National Recoveries, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XX/XX/XXXX I entered into a contract with National Recoveries , Inc to rehabilitate my direct loans that were in default. I sent them all of the documents they requested, we made a payment agreement, and they started billing my debit card for a monthly payment of {$190.00}. I was told that after making 10 on time payments I would come out of default and be placed with a lender. During the course of the 10 months National Recoveries called me multiple times insisting they never received any documents from me, that my signature was cut off, that I needed to sign all pages on the side and re-fax, etc. I kept faxing documents in spite of the fact that they must have received them because we had established a payment based on my income. At the end of the repayment period, National Recoveries requested that I electronically sign agreement for them to request my tax information directly from the IRS, which I did. My payment was originally based on my XXXX tax return. National Recoveries requested my XXXX tax return despite my contract and payments beginning in XX/XX/XXXX. I worked a lot of overtime in XXXX as I had two sets of loans in rehabilitation and I was paying for my oldest son to go to college. Because my income was higher than the previous year, National Recoveries told me I would have to pay over {$3000.00} or be kicked out of the rehabilitation program. I was unable to pay the additional money. I contacted the department of education and they told me I was never even placed in rehabilitation by National Recoveries Inc. Eventually, after multiple phone calls, the department of ed agreed to start taking my payments through their default resolutions dept. Unfortunately, no matter how much I send, it does n't touch the principal, only interest and fees.
Despite meeting my obligation and making 10 on time payments for the agreed upon amount, I have never been placed with a lender and continue to be in default despite those 10 payments and additional payments I have sent directly to the dept of ed including my XXXX federal tax refund.
Payments made through National Recoveries : XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. XXXXXX/XX/XXXX. XXXX  XX/XX/XXXX. XXXXXX/XX/XXXX. XXXX XX/XX/XXXX. XXXXXX/XX/XXXX. XXXX  Payments made direct to dept of ed : XX/XX/XXXXXXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXX. XXXXXX/XX/XXXX. XXXX XX/XX/XXXX. XXXX  XX/XX/XXXX. XXXX My other set of loans, placed with XXXX, were rehabilitated and placed with a lender. I have been making payments to the lender for 15 months and am in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Experian Information Solutions 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:
The account has already been investigated and the inaccurate account removed. I am requesting that Experian follow suit.

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 2021-02-09
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied for a home refinance on XX/XX/2020 with Cardinal Financial. We submitted all paperwork and additional requests for information in a timely manner. We locked in a good rate and were expecting to complete the process and close the loan in XXXX. This should have been a straightforward refinance as we have high credit scores, good loan to value, and secure jobs/income/ratios. However, Cardinal delayed in starting the appraisal and did not follow up to ensure appraisal was scheduled/completed in a timely manner. Then, the Coronavirus scenario started. Even so, appraisers were still working but Cardinal did not pursue getting our appraisal completed. Finally, we identified that there were appraisers working and asked Cardinal to find another company. Eventually, the appraisal was scheduled and completed. At the same time, Cardinal stated they were completing all other items such as title so that we could still close on time. This was not true because after the appraisal was completed, they told us about a title lien item that they had know about for a while. Once we were alerted on the details of the item, we were able to address and clear immediately. Throughout the entire time, Cardinal continued to extend our application and rate lock at no cost to us because none of this was our fault. Finally, on XX/XX/XXXX, all conditions were complete and ready for final underwriting. On XX/XX/XXXX, Cardinal declined to continue the loan process due to a policy change. After months of them dragging this out, we are now being told they will not complete the loan. We have wasted a lot of time and this is costing us thousands of dollars. We are now put in the posistion to start all over again with another lender. We are extremely dissatisfied with their lack of service to process this loan in a timely manner. If they had, we would not be in this position. We want them to honor their loan offer and rate since all of the delays are due to their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: WELLS FARGO & COMPANY
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We purchased our home in XX/XX/XXXX. We refinanced our mortgage in XX/XX/XXXX. Shortly thereafter, Wells Fargo took over the mortgage. 

In XX/XX/XXXX Wells Fargo did an escrow review and mistakenly read the annual taxes on the closing disclosure. The taxes were listed on page 2 of the disclosure as " to XXXX XXXX County ''  .... {$910.00} and " to School District '' ... {$2800.00} for a total of {$3700.00}. On page 4 of the  disclosure the " Escrowed Property Costs over Year 1 '' are listed as {$4200.00} and include the homeowners insurance. In their initial escrow review in XX/XX/XXXX Wells Fargo mistakenly read the annual taxes as {$910.00}. Because of this mistake they came to the conclusion that our escrow account had an overage of {$2500.00} and they mailed us a check for that amount. They also lowered our monthly payment from {$1800.00} to {$1600.00}, which was {$230.00} less per month. 

In XX/XX/XXXX Wells Fargo did another escrow review and this time read the taxes properly. They realized the escrow account had a {$4100.00} shortage. They gave us two options. Option 1 ) Pay the shortage over 12 months and the new monthly payment would go up to {$2100.00}. Option 2 ) Pay the shortage amount in full and the new monthly payment would be {$1800.00}. Neither of these options are viable for us. We do not have {$4100.00} to pay up front and we can not afford {$2100.00} a month. That would be more than we were paying before we refinanced in XX/XX/XXXX and would completely negate the refinance. 

We immediately called Wells Fargo to find out what went wrong and to clear this up. They are refusing to take responsibility for their mistake. Initially, they tried to place the fault on the company who we refinanced with, XXXX XXXXXXXX. 

In XX/XX/XXXX Wells Fargo gave us the option to pay the escrow shortage over 24 months. The new monthly payment would be {$2000.00} which is still more than we can afford and is still more than the monthly mortgage payment prior to the refinance in XX/XX/XXXX. 

Currently, Wells Fargo is avoiding us and continually telling us they need an additional 10 business days to investigate. This has been going on for 3 months. Once the additional 10 days has passed they tell us they need another 10 days.

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 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have been disputing a derogatory mark on my report which has been inaccurate. When I went on XXXX XXXX for seven months it has not been resolved and the information was proven to be in accurate on Transunion. So today on XXXX my credit report dropped 28 points and all my credit card on Transunion showed 6-7 months late. I have 91 total missed payments between 13 credit cards. I have never been late on any of them. I also paid on time and most times paid 3-4 payments each month so the balance was paid in full. I contacted all my credit card companies some said they would file for me some said talk to Transunion. And Transunion never seems to resolve anything.

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 2018-07-05
Company: Experian Information Solutions Inc.
State: WA
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 have repeatedly disputed this account on my credit report as it has bad information all over it being reported. The account is for XXXX XXXX. 
Experian does not let me dispute it any longer unless XXXX upload documentation, which I have. The last dispute I made with the information was on XX/XX/XXXX, they did NOTHING accurate on it, Im not sure they even looked into as it came back UPDATED XX/XX/XXXX ( less than 1 day ). 
They changed the original balance from XXXX to a XXXX original balance. That's not what I was disputing, nor is that ACCURATE at all. Where did they even come up with that information to feel that it should be changed? Did this really get investigated, or did they just move an amount and call it good? 
they took off 1 late payment, when I disputed all late payments as there was 0 late payments to this account. It is now paid off and closed, but I still want MY CREDIT report to reflect ACCURATELY and Experian is not taking that serious. Lousy investigation.

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 2018-02-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I've had countless repeated phone calls on server al different numbers at gall times throughout the day and night. Also some action letters.

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 2015-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
In XXXX of XXXX Cap one Finance sent me a auto loan " Pre-approval '' letter which stated they had interest rates as low as 2.3 %. I had called Capital One Auto Loan callcenter XXXX during that time asking them what interest rate I was approved. Each time I called they instructed me to take the Capital One pre-approver letter to the dealer of my choice. I took it to XXXX XXXX owned by XXXX XXXX in XXXX XXXX State. 
I was told the only interest rate quoted by Capital One Auto Finance was 16.990 %, I was also told by XXXX XXXX that Capital One Auto Finance would refinance this loan to a lower interest rate after I showed XXXX year of ontime payments with no late payments. Capital One told me in XXXX of XXXX they do not refinance their own loans. 
I have paid this huge interest rate for 15 months now with no late payments and I have only paid {$2900.00} off the price of the car while paying a whooping {$4900.00} to Capital One Auto Finance in interest. This is a Predatory leading loan and it sets me up for failure as my employer has laid off XXXX employees this year with announcements to lay off in XXXX XXXX. 
Also, I tried to re-finance with several companies such as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX AUTO LOAN and all of these companies tell me that I am in a predatory loan and the payments I have made all went to interest profit for Capital one and the owed to value of the car exceeds their criteria to refinance. So after 15 months of on-time payments I owe more than the XXXX FORD FOCUS is worth because I paid {$4900.00} in interest and only {$2900.00} to payoff. 
In the event I am laid off this year I will default on this loan with this high payment of {$580.00} a month. I need Capital One Auto finance to drop my interest rate to a non-predatory rate to be no more than 8 %. Please review documents that prove I have paid on time and have no late payments on my credit report for the last 15 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Experian Information Solutions Inc.
State: GA
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 have been fighting this bankruptcy for years because of the inaccuracies inside of the bankruptcy which is why it is dismissed. There were several accounts that were excluded on the bankruptcy, but were filed to be dismissed. 

Today, I logged into XXXX  to verify the information that was correct and incorrect. 

I noticed that bills that were included in the bankruptcy are still on the report. I also noticed that the case number is incorrect. I am sure what is being reported on all three bureaus, XXXX and XXXX is incorrect information.

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 2018-07-05
Company: NCB Management Services Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XX/XX/XXXX I sent NCB Management Services a Cease and Desist letter that was delivered and signed on XX/XX/XXXX.

On XX/XX/XXXX I sent NCB Management Services a copy of a complaint letter that I sent the Bureau of Financial Protection. The letter was delivered on XX/XX/XXXX.

NCB Management Services has not been in compliance and are in violation of the FCRA and FDCPA. Please see enclosed documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: Midwest Recovery Systems
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On or about XX/XX/2018 I discovered through XXXX XXXX that a negative collection account by Midwest Recovery was placed on all three credit bureau files. I immediately wrote to them on that date requesting validation not verification of the debt. I never received any written information from them regarding the debt and my right to challenge such prior to my discovery at XXXX XXXX. Nothing within my credit files indicates that I have challenged their listing and the account is listed as " in dispute ''. Research regarding this firm indicates this is typical behavior on their part. I do not believe I ever had a loan with XXXX XXXX which is the firm they claim to represent and has been fined by the CFPB. Their previous pattern of behavior leads me to believe they will be unable to comply with my validation request or simply ignore.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: GOLDMAN SACHS BANK USA
State: TX
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:
I HAVE SIX INQUIRYS ON MY CREDIT REPORT THAT AN UNKNOWN COMPANY DENIED APPLICATION ON ME I DID NOT SUBMIT I HAVE NOT ASK FOR ANY CREDIT IN TEN YEARS I DON'T NEED ANYMORE CREDIT I HAVE PUT A FREEZE ON MY CREDIT REPORTS ; BUT I KEEP GETTING COMPANIES LYING AND USING MY EXCELLENT CREDIT IDENTITY WITHOUT MY AUTHORIZE CONSENT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
To whom it may concern, Under 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave XXXX XXXX AND TRANSUNION any written consent to report anything on my consumer report, No consent is IDENTITY THEFT. 

Concerning the accounts listed below as a consumer IM DEMANDING A DELETION of these accounts

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 2018-09-25
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I would like trough this mean that XXXX sent i debt to collction i sent all paper work i file a police report all other banks agree that in fact my identity was stolen they send my debt to collection for no reason at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We are enrolled in Bank of America Mortgage " XXXX '' automatic monthly payment deduction service. On day 1, of each month, they were to take one monthly mortgage payment from our checking account. XX/XX/2020, they ( BOA ) took two ( 2 ) payments from our checking account. We went immediately to the local bank branches to try to get the double payment stopped, and were told nothing could be done. BOA applied the double payment to month of XXXX We had to borrow money to pay the rest of our bills for XXXX and first part of XXXX. 
On XX/XX/2020, BOA again took two payments from our checking account. We called BOA 's Electronic payment dept. and asked that the double payment be cancelled or returned to our checking account, and were told the problem would be " looked into ''.

XX/XX/XXXX., we called again, explaining we needed the money to pay other bills and living expenses, and were assigned a Problem Case # SR XXXX. 
XX/XX/XXXX., we called again, and were asked to submit-via email- proof document that BOA had taken two payments. We submitted a copy of our bank statement, that showed BOA had taken two payments on XX/XX/XXXX

XX/XX/XXXX, we called and our case # was recognized and were told money would be refunded. We borrowed money to pay the rest of our bills for XXXX and first part of XXXX. 
XX/XX/XXXX., we called and a Rep said he would have a " manager '' issue a refund. 
XX/XX/XXXX., we called and a Rep told us our money had been refunded as of XXXX XXXX  on XX/XX/XXXX. 
Today is Mon. XX/XX/2020, and the double payment has NOT been returned to our checking 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
Consumer complaint received 2018-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2017, I made a large deposit ( {$1500.00} ) into the Capital One Bank ATM machine between the hours of XXXX and XXXX XXXX I inserted my bank card and made the deposit. The machine accepted the funds and did not return any funds. At the end of the transaction, the machine did not provide a receipt. I reused my card to see if the deposit showed in my balance and it did not. I did not know what to do. The money was being deposited in order for me to pay my mortgage online via my Capital One account. I then called Capital One and told the representative about the problem. She said they would balance the machine and would register the funds at that time. Approximately 3 days later the funds were placed in my account. A month later on XX/XX/XXXX the funds were reversed without any advance notice. A secure message indicated that the claim was closed and that the ATM machine balance out. This is impossible since I made the {$1500.00} deposit. I can only assume that they credited another customer with my deposit if the ATM machine balanced or the funds were stolen since a receipt was not generated for the deposit. I tried to contact Capital One several times and finally talk to someone in Fraud. I was told that they would reopen the claim since it could have been they looked at the incorrect ATM machine. However, since I have received another secure message indicaitng that the claim was closed without any additional information. I have requested the information used to close the claim. I am totally disenfranchised since without doubt the deposit was made. I have faxed Capital One my receipt of where I withdrew the cash funds from XXXX  XXXX XXXX which indicated the time and drove 3 miles to make the depisit into the Capital One ATM. I also provided them with my description hoping they could use the camera 's on the machine or in the area which will show me making the deposit. I am thinking this is not the first time this issue has happended to customers and it is indeed stealing from consumers. I am now delinquent on my mortgage as a result, as well as, I have had to cancel a planned trip to XXXX to visit my son who is in the XXXX XXXX. I am totally disappointed and upset with how Capital One has handled this situation for such a large sum of money for an average customer.

Company response to consumer: Closed with explanation