BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-25
Company: Upstart Holdings, Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I was in the hospital for the end of XXXX and XXXX and unable to put money into my account. Ive been trying to make payments using a different bank account but it keeps attempting to take it out of my other account. It is now negatively reporting on my credit because this issue hasnt been fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: RoundPoint Mortgage Servicing LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Company : RoundPoint Mortgage Servicing Corporation XXXX XXXX XXXX XXXX, NC XXXX XXXX Current LTV : 77.9 %. 

Payment History : Current and have never missed a payment from inception. 

PMI still on loan. 

Mortgage Company has refused to comply with automatic termination of PMI on loan. Several reminders -email and phone calls - have been made by homeowner to the mortgage company but they have declined the termination in line with Federal HPA regulation on automatic termination of PMI.

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 2019-09-25
Company: Quality Asset Recovery LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-09-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have not received any correspondence on how you have verified these alleged accounts attached in Exhibit C and therefore request that you consider this as a final notice to your office. Past this point the CONSUMER FINANCE PROTECTION BUREAU will have authenticated testimony from my end which I would gladly present in court if needed to be as evidence of my trying to rectify the SUBTERFUGE that you are reporting copied from the affidavit ************

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a XXXX email from capital one, alleging unusual active on my accou8nt ending in XXXX. This amounts to harrassment, as I have 5 accounts with capital one ... .they allege suspicious activity, and I emailed them to knock it off or I will take all my money and cancel the accounts iu have with them ... ..to the tune of over 50K ... .I did this with XXXX and XXXX of XXXX for XXXX like this ... .I will file a complaint every time, a bank does me wrong ... knock this XXXX off! 

They have wrongfully suspended my account and I will file a claim in or XXXX XXXX superior court for tortious behavior if they stop any payment or activity on my checking account forthwith

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Citizens Bank XXXX calls 5-7 times per day to collect a payment. After it is paid they call 2-3 more times back to back.XX/XX/XXXX online payment at XXXX XXXX XX/XX/XXXX phone calls @ XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.

XX/XX/XXXX phone calls @ XXXX, XXXX, XXXX, XXXX XXXX They've been asked to stop calling me and once spoke to a rep saying it was paid, the phone immediately rings with another rep asking for a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I applied for and received my current mortgage. It has been sold several times. The most recent sale was to FirstThird Bank this past spring. Since 53 took over servicing of my mortgage, I have had a rash of problems.

1. Most concerning is that 53 can not seem to explain clearly where my money is going or handle my requests for advance payment with any dependability. Heres why that is important. I had made 3 advance payments with MB Financial when the transfer occurred. I can not determine how or when those payments were applied. I have been unable to get a written accounting from 53 that explains clearly where those payments have gone. My top concerns is detailed in the attached statement and dated XX/XX/XXXX. Calls to the bank did have them release a different statement, also attached. This one does include due dates, but not balances. 

2. Additionally, 5/3 Bank requested a payment of XXXX to account for an escrow shortage ( Statement Date XX/XX/XXXX - statement attached ). I made the payment online in the amount of XXXX on XX/XX/XXXX - which does not appear to be applied to escrow seems to be applied to principal and it is impossible to tell what is happening in the escrow account. 

3. One last concern in that the XX/XX/XXXX account the indicate the past payment went entirely to interest and escrow. Nothing to principal. A second XXXX statement was sent on XX/XX/XXXX, its unclear why, and again, not clear what they have done. Please note that I called and asked for an audit between the two statements, but did not ask them to do anything. I was denied my request for an audit. 

Overall these statements are so convoluted I have spent hours trying to understand them. Unable to do so I elicited help from a friend very well versed in financial matters who also can not make sense of them. Calls to representatives and supervisors at Fifth Third Bank have not helped. If nothing else I hope to draw attention to the incomprehensible information available to me through their website and hope this can be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: U.S. BANCORP
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was told that I was getting a {$10000.00} credit for closing from my realtor and the mortgage bank- us bank would not allow it. I only ended up getting a credit of {$9900.00} and I am out {$590.00} that the seller and I agreed upon. I think this entire deal was not communicated well and was very confusing. Us bank did not communicate any issues until I confronted them when my realtor called 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 monetary relief
Consumer complaint received 2020-05-02
Company: Experian Information Solutions Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have requested method of verification, validation of debt, and assignment of debt for this account and it was not receive ; in addition, not real investigation took place, which is required. 

The method of verification and validation of debt should supplied the names, phones numbers, dates, of people involved with notarized documents. 

The credit agencies should be held accountable and sued again as they did not complete an investigation provide the supporting documents as per the Fair Credit Act. 

I have the certified tracking number mail, so they have received the request.

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 2019-09-25
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Several mediation requests were mailed in to Wells Fargo, a total of four packets received, three filled out and sent in requesting a refund in the amount of {$610.00} in overdraft fees. The fees in question are a result of high pressure sales tactics by Wells Fargo reps to open accounts I did not need, with the presumption they were to be used for bill pay. A settlement amount was offered, agreed upon, no payment received. The amount, {$3700.00} was offered by an XXXX XXXX with Wells Fargo after speaking on the phone. Since no payment was received, additional CFPB complaints were filed requesting a refund of {$610.00}, this amount was shown on statements received showing a total of {$870.00} in overdraft fees ... Small refund amounts of {$85.00}, {$50.00}, {$120.00} were received prior and are reflected in my claim for {$610.00}. Most recently, a denial letter was received from mediation, citing a settlement check was cashed when it was not received by myself..When the settlement was accepted, I requested a hard copy of it from XXXX, she said she could do not do that.. I believe Wells Fargo is trying to hide their shady practices which respect to opening accounts to boost profits and charge fees to those accounts by offering a fake settlement as they would not put it in writing and have denied payment.. I am back to requesting a refund of overdraft fees which I total in the amount of {$610.00}, since no payment was received. This information will be sent along to attorneys investigating Wells Fargo as well as other financial institutions for their practice of charging overdraft fees. In closing, please advise Wells Fargo I will post my experience on several consumer rating sites to expose their shady tactics

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 2019-09-25
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have closed All accounts with XXXX They informed me everything was paid in full. I have no open balance I do not understand where this charge is coming from. It is showing as a collection due on my account and this is false

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 2017-11-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX is trying to pull a fast one on me. They are well aware that we are under a " Federal Bankruptcy Order '', and they keep attempting to make us pay. We moved from the Home at XXXX XXXX XXXX, XXXX, GA XXXX, in XXXX 2017, and notified Beneficial. They initial agreed to do " A Deed In-Lieu of Foreclosure '', with us, and Ordered an Appraisal, which the value of the home was more than what was owed on the home, as it was at the time of the Appraisal in Excellent shape, I took pictures as well as the Appraiser that Beneficial sent out to do the Appraisal, and they are time dated. 
Beneficial lied about a " Lien '' being on the Home, which was Avoided/Dismissed in the Federal Bankruptcy Order, signed by Judge XXXX. I had the attorney ( XXXX XXXX ) that handled the Bankruptcy Proceedings sent a copy of the Bankruptcy Order to Beneficial, after Beneficial refused to accept my Copy. Then Beneficial sent the Mortgage to a Collections Agency, and now they ( Beneficial ) has given/transferred the Mortgage to XXXX XXXX XXXX XXXX XXXX, out of XXXX XXXX XXXX, Utah. I called XXXX XXXX and XXXX XXXX XXXX ( Fax : XXXX XXXX ), said that he was not aware of the Bankruptcy Stay Order. Beneficial is just plain wrong. It needs to be fixed. They doing this to me cause I am XXXX and a Donald Trump Supporter

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I opened a credit card account with XXXX XXXX and they sold it to another company by the name of Portfolio Recover Associates, LLC. Portfolio Recover Associates never contacted me and never sent me a certified letter saying that they were going to take me to court. They went to court, where I was not notified again, and sent out a judgement against me to garnish 25 % of my check each pay period for the amount of XXXX. On XX/XX/, 2019 I tried to resolve it with XXXX XXXX and Portfolio Recover Associates and was told, by XXXX XXXX of Portfolio Associates, that my only two options were that I had to either pay it all in full or they were still going to garnish my checks. I feel like we could have came to an agreement of how I was going to pay off this balance only if someone would have contacted me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX, I electronically lifted my security freeze through Experian for one day. Then, on XX/XX/XXXX, I repeated the process, and answered my security questions correctly but was denied access and was locked out. The next day, I was locked out of my third party monitoring XXXX ( for unknown reasons ) but was able to answer my security questions successfully. They were similar if not the same as the ones from Experian. When I called Experian to inquire why they denied my CORRECT answers, they reported not being sure why. I asked them to investigate the matter, and they said that they couldnt since they had no way of retrieving my security questions and answers. I had to provide my PIN number instead. However, I should have never been locked out to begin with when I provided correct answers. I am concerned they will might abuse their privileges in the future. I regard this as harassment and manipulation. I also tried registering for an account with Experian and they declared they couldnt verify my identity, when other credit bureaus and third parry entities have been able to successfully. Then when I repeated the process, the next error message indicated that the system was down and couldnt complete my order.

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 2020-05-08
Company: Webcollex, LLC
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: STERLING JEWELERS, INC.
State: AL
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:
I wrote a complaint on XX/XX/XXXX about an unauthorized inquiry and received a response that it would be deleted. This has yet to be deleted from my credit reports across all bureaus. 

XX/XX/XXXX Re : CFPB complaint # : XXXX Dear Mr. XXXX : Although the information provided with this complaint matches the information submitted with the credit application, in response to your complaint, they sent a request to the credit bureaus to remove our inquiry from your credit file. o They sent you a confirmation letter. We hope the above information clarifies this matter. Sincerely, XXXX XXXX Resolution Specialist

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have reach out to transunion about a account thats showing up on my credit report with someone else name on its not my information I ask them to delete it and they still wont delete it

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 2018-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I use a program for my XXXX  business. This program allows me to sync transactions to keep track of expenses and run my business in an organized fashion. The program is XXXX Capital one is blocking me from using the external application. This is a sudden change as it was working flawlessly. 

It is my personal information and I deserve the right to use it. 

This needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Santander Consumer USA Holdings Inc.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that 3 Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on SANTANDER. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Mailed in a lengthy thorough dispute that went ignored by Experian, I also upload the same information using their uploading system. Since the law requires them to respond to muy claims and perform a investigation which never occurred, I will file a complaint with them. I have been a victim of identity theft.

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 2019-09-26
Company: Carvana Group, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
ON XXXX/12019 Caravans Post Operations Department attempted to perform unlawful practices by deducting my down payment prior to delivering the XXXX XXXX XXXX XXXX  by claiming they did not receive the down payment. XXXX XXXX informed me I was current on XX/XX//2019 and to continue to deal with them and disregard the threats because my down payment was paid and I was current on payments. XXXX from Post Operations Department was the contact at XXXX customeradvocate @ carvana

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: ALLY FINANCIAL INC.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Upon pulling my credit report I noticed Ally listed which is inaccurate. I requested the debt to be investigated on XX/XX/XXXX and received a prompt response on XX/XX/XXXX only stating " we have researched our records and have determined that the information is correct '' with a bill of sale no proof of the debt. On XX/XX/XXXX, I sent another letter to requesting more information on how this was researched and to please forward all correspondence to me directly about this debt with no response within their 30 day response time frame.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: FORD MOTOR CREDIT CO.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
We were told by Ford Motor Credit that we qualified for the COVID-19 measures to be excused on our XX/XX/2020 car note payment. Upon looking at our credit we have a late payment on our credit and we would like to get that updated to reflect paid on time. We have contacted FMC and they have informed us that they will correct the late payment three months ago, and the payment is still there. This late payment is hurting my SBA loan and while we are still on lockdown we can not obtain additional funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: BBVA FINANCIAL CORPORATION
State: GA
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:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation