BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-17
Company: Westlake Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have used XXXX XXXX XXXX  on more than one occasion. However, the present loan seems a bit out of sorts, since I have been paying more than the monthly minimal payment for over a year, but only a fraction of the payments have been applied to the principal. I understand that lobbyists in California, and maybe even Washington D.C., have managed to legalize loansharking by circumventing common usury laws whereby paving the way for predatory lending. However, sometimes laws need to be tempered with a bit of common sense and morality. I understand that XXXX XXXX XXXX has had issues in the past with the CFPB, if not some other financial regulatory body and I feel strongly that they deserve another look.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: LoanCare, LLC
State: UT
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:
LoanCare servicing is reporting an erroneous late and it must be removed. I recently checked my credit report and was very confused when I saw a late was showing up on this account for XX/XX/21. Loancare sold this account to XXXX and I have been paying XXXX now for my mortgage payment. I was never late on my Loan care account as we had it set to auto draft, however in XX/XX/XXXX my wife noticed that the payment didn't come out of the account so she called and spoke to a representative about this. The representative said that the account was sold and the XX/XX/XXXX payment had to be made to XXXX. She then called XXXX and made that payment and we have been paying them instead. However, on my credit report Loancare is reporting a late for XX/XX/XXXX when I wasn't supposed to pay them? I made my mortgage payment on time, and did as advised and paid XXXX because they are now handling my account. This late is not my fault and it must be removed.

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 2020-09-16
Company: JPMORGAN CHASE & CO.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Chase XXXX XXXX XXXX XXXX. 
I have had since XXXX had {$14000.00} limit with 0 notice reduce my limit to {$10000.00} found out while at a register. Balance at the time was {$9900.00} 0 late payments 0 missed payments Up till this summer 0 interested paid to the company because i paid it off every month with an average of {$5500.00} a month since XXXX. We used it for a trip to the grand canyon. 
Still have the same job since XXXX with increase in pay each year. Same job field since XXXX with increase in pay each company transfer. XXXX XXXX is over XXXX. 

When i called i basicly got told nothing other than my balance was high. Which the closest it got was {$11000.00} still {$3000.00} under. Also i was mailed the letter as of the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Experian Information Solutions Inc.
State: PA
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 am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.

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 2022-08-05
Company: Consumer Financial Services Solutions, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
This company, Beyond Finance, failed to inform me that their method would have a damaging impact on my credit score. They advised me not to pay my creditors in order to allow them leverage to negotiate lower payments for me. They told me that they would pay my creditors with funds that I send to them. They failed to follow through and as a consequence, I received 4 late payments on my credit report, sending my credit score plummeting. I am still suffering from the effects. 
Please advise how I can remove the late payments from my credit report. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: EQUIFAX, INC.
State: IL
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:
XXXX added a statement to my student loan, that I was in deferment and affected by the natural disaster - COVID-19. They removed the statement though I am in forbearance until XXXX. This caused a 42 point loss to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
During a XXXX XXXX drill weekend I was injured on duty and received hospital work for the next three days. The military booted the bill for the entire stay with the exception of a single XXXX. That single bill took approx. 2 years of getting re-directed and asking the right and wrong people before finally being paid. 

My issue is that during this time, the hospital referred this debt to a debt collection agency they partner with and I am worried about how this has affected my credit score. What I want to know is how exactly I can argue any delinquent debts that were not mine to pay for in the first place. 

Besides the actual debt collection statement itself, I have multiple contacts from both XXXX ( military insurance ) and a liaison from XXXX ( general military help site ) to corroborate with on this story and would be able to provide contact information whenever necessary. 

Thanks for any and all information, all the best.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
We have sent XXXX of US {$250000.00} from XXXX to XXXX XXXX against purchase of goods as on XX/XX/2018. The fund was remitted from XXXX XXXX XXXXXXXX, XXXX to XXXX XXXX XXXX USA, further transferred to XXXXXXXX XXXX XXXX XXXX, they further transferred to HSBC USA for transfer to HSBC XXXX XXXX for final credit to beneficiary. It's already 23 days now, we are following every night from XXXX & XXXX XXXX, but not getting any response from HSBC USA,  who holds our fund from 23 days. Neither they have intimated the sender nor to beneficiary, the reason to hold. We are attaching herewith copy of BOI-USA requesting XXXX XXXX to follow up with HSBC-USA AND also copy of earlier reply from XXXX XXXX XXXX XXXX XXXX XXXX No : XXXX. Even we have tried to contact XXXX XXXX XXXX & HSBC USA directly on phone, but they have denied to reply on any of our query. 
Kindly do the needful. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The supposed Company is Castle Credit that I did have a loan with almost 9/10 years ago. I have been getting repeated phone calls from different numbers that when I searched these numbers, do not even link to Castle Credit. When I have called these numbers, there isn't even a proper vmail. I feel that this is someone that has gained my identity information trying to get me to pay something that has been charged off years ago. 

They use obscene language with me, threatening tactics & I have repeatedly told them to stop calling me because of this said debt being again, years ago. 

I received a generic type letter in the mail that looks like it was drawn up from someone at their home with weird numbers like XXXX which again, doesnt even belong to Castle Credit & when I DID call Castle Credit directly, they also said that they arent the ones calling me that this debt they have classified it as charged off. 

My Account number XXXX for {$780.00} This account was opened by my now, exwife back in XXXX or XXXX, which since I was in the Military and on assignment, I wasnt even there to sign my own name for this loan for a vacuum cleaner but of course I know that I was married at the time so it becomes my debt but she had put it in my name not hers which she should of done and the company shouldnt of accepted the info from her if i wasnt there to begin with. 

They also included a number in the letter that I received that is a different form of type than the rest of the letter XXXX which Castle Credit does have a XXXX main number but again when I contacted then, they know no such number. 

There are other numbers with the area code XXXX but there are just too many to list. Castle Credit also stated that they have not sold my account to any collection agency. The letter that I received is marked from Castle Credit not a collection agency. 

I want these calls to STOP! Especially not knowing who is contacting me & they dont even want me to pay Castle Credit, they are asking me to give them my card numbers which I KNOW is not right!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Navient Solutions, LLC.
State: PA
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX - I have already filed a complaint with this website about these people. The complaint was recent, about a week ago. The company answered the complaint and I submitted feedback. Well alas, the problem continues. These people clearly do not comprehend what is happening. They called today, Thursday, XX/XX/XXXX, claiming that the call was to collect a debt for debt collection purposes. They continue to harass me, with this being the fourth call after I submitted the complaint. There is a statute of limitations in relation to this case. This debt is eleven years old, it started in 2007. XXXX continued to harass me for eleven years and then XXXX sold the debt to XXXX, who now continues to harass me. XXXX has stopped, at least for now. They seem to get it, at least for now. I clearly will never pay this debt - there is a law about it - its called the statute of limitations. So XXXX, get your act together and get off my back!!!! You are wasting your time!!!! If you continue to harass me, I will continue to file complaints!!!! GET A GRIP XXXX!!!! You must be going out of business and this is your effort to collect on an aged debt!!!!!

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 2019-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I opened a credit card dispute for a charge amount of {$2500.00}. for merchant XXXX XXXX XXXX XXXX. The merchant breached my agreement by not providing services listed in the agreement. The NC state bar association is still investigating the attorney for wrong doings. I told Capitol one very clearly that all communication regarding this dispute is to be sent to my Florida address as I am living in Florida for part of the year. Capital one was requesting additional information regarding my dispute but, sent their request by US mail to the WRONG ADDRESS! Once I realized their mistake I called the bank and told them I have the information they needed and they said " it was to late they closed the dispute. '' I explained the dispute was closed in error since the bank send the request for additional information to the wrong address. If I got the letter at the correct address the information they were requesting would have been there on time. 

I was defrauded by the merchant and XXXX by the credit card company ( Capital One ). The case against the merchant is being investigated by the NC state bar association and they suggested I request a dispute until the investigation is complete. Furthermore a state judge dismissed the attorney from representation and issued me another attorney THIS WAS A COURT ORDER! removing the merchant and ordered another attorney. I can't pay for the same service with another merchant that's just wrong! 

The bank didn't care and closed the case and are not willing to re-open the case and make good on their mistake by issuing a credit or a goodwill credit. 

I DO NOT OWE THE {$2500.00} and MASTER CARD WOULD HAVE RESOLVED THE CASE IN MY FAVOR IF CAPITAL ONE PROPERLY HANDLED MY DISPUTE. 

Because of the negligence of Capital One I am requesting they remove the charge of {$2500.00} for their mishandling of my dispute. OR re-open the dispute and let the charge card company make the decision in the mater. 

THIS CHARGE OF {$2500.00} MUST BE REMOVED OR PLACED IN DISPUTE AND ALL INTEREST WAIVED WHILE THE CASE IS PENDING WITH THE NC BAR ASSOCIATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25
Company: Exeter Finance Corp.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My vehicle was repo'ed by exeter finance llc. i sent notices and demanded the return of the vehicle. 
they are stealing what belongs to me. As a Consumer i entered into a credit transaction were XXXX XXXX XXXX XXXX XXXX XXXX MO, XXXX. They failed to tell me full disclosure of the contract and failed to let me know my rights as a consumer. We were told we were approved for financing but had to put down {$1800.00} under 15 usc 1605 no down payment is required under a consumer credit transaction. So we had to turn over {$1800.00} ( Highlighted in a picture ). Then we were told we can't get our keys until we buy our own insurance. But federal law says if there is a Finance Charge everything should be covered including insurance. Now exeter finance is the institution that stole my vehicle. having my XXXX XXXXXXXX XXXX repo 'd when they should have applied the finance amount to cover the XXXX. They have no rights to my vehicle and i told them this. 
I've sent 2 rounds of notices to them that i will upload. Both notices have federal laws in them demanding my property back. I want them to return my XXXX and cover the tow lot fees. Or they will be liable for the finance amount times 2 according to federal law for the violations on the contract. 
Financed amount is {$20000.00} so doubled is {$41000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: VALLEY NATIONAL BANCORP
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I opened Valley National Bank Premier Checking account ending on XXXX because the bank was offering a {$200.00} bonus for just setting up a direct deposit. 
On XX/XX/XXXX, I got the {$200.00} advertised bonus after a {$100.00} direct deposit from XXXX. 
However, on XX/XX/XXXX, Valley National Bank clawed back the {$200.00} bonus. The transaction description was Rewards Credited in Error. This unexpected transaction caused a {$36.00} overdraft fee. 
On XX/XX/XXXX, I closed the checking account after they reversed the {$36.00} overdraft fee. 
On XX/XX/XXXX, I erroneously got a {$200.00} XXXXINT Form from Valley National Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: PNC Bank N.A.
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I have a HELOC with PNC Bank with a credit line of XXXX, the current balance on XX/XX/XXXX was approximately 25k which left plenty of available funds to use. On XX/XX/XXXX I received a call from my contractor indicating a check I provided to him was declined by PNC for non sufficient funds for approximately 17k. I contacted PNC and was advised by the first CSR my account was past due, when in fact a payment of over {$3000.00} was made the week before, in addition my account is on automatic payments. I was then transferred to the Collections Dept where I was then told my account was current and they didn't have any other explanation why I couldn't use my account other than " PNC was going through system issues with their recent conversion of account numbers ''. I was then transferred to a manager whom also had no clue why I couldn't use my funds. I then contacted my local PNC bank and was given no further information other than my account was " locked ''. We spent several hours on the phone to not be provided any clear information or even less a sincere apology from PNC. The issue has since been resolved after several days of the unknown from the bank. I would expect PNC to at minimum provide some sort of compensation to me or my PNC account for my time away from work and on the phone w/ them and an apology for their lack of empathy regarding an issue that was caused by PNC .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: Cornerstone Home Lending Inc.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am trying to remove PMI from my conventional loan. I have contacted the Servicer and they said that it would cost XXXX dollars to have an appraisal done. This seemed excessive and sure enough, I read on thXXXX XXXX XXXX site ( F-1-02 : " Servicing Guide '' ) That " The borrower must be charged the cost of the BPO or appraisal based on the following table ... ''. This stipulates that the servicer " Must '' follow this table and only charge me {$150.00} to have my property 's value appraised.

Because of the exorbitant amount Cornerstone Home Lending ( CHL ) wanted to charge me I held off on the appraisal because I considered it a poor financial decision at the time. After I found this appraisal cost information I contacted CHL to clarify the cost so that I could have the appraisal done and the PMI removed. It took nearly 1 week to get a response at which point they said the following in an email : " Please be advised that your loan servicing will be transferring to your new servicer on XX/XX/XXXX. Due to your upcoming transfer, we may not be able to complete any further actions on your loan to pursue PMI removal. We apologize for the inconvenience ; however, you may request PMI removal with your new servicer after the transfer is complete. '' I inquired further trying to figure out more information about this sudden change. Why didn't I receive any information about this? Why am I receiving this information in the same email string about removing PMI instead of through an official notice? Why am I being told about this 1 week before it's slated to happen? I contacted CFPB to find out what my rights were as a homeowner and found out that at the very least my lender is required to give me notice 15 days before any changes happen, this never occurred ...

I would have removed my PMI inXX/XX/XXXX( saving me ~7 months of PMI payments )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: AR Resources, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I was being contacted by a hospital for an outstanding bill. At the time I resides in XXXX. I verbally communicated with them multiple times that I had insurance to cover the charges and even provided them with the information. As well, I provided written communication with paper copies of the insurance proof. A few months after I moved to XXXX. I immediately notified them in writing and verbally about my change of address and phone number. After this, I never received any notifications from them. I found out one month ago that they had sent my account to collections even when I had spoke with them after they sent it ( my unknowingly ) and was never told. I never received any notifications at my new address or phone number, and now have a debt that has tremendously affected my credit score that should not be on there. 

My insurance is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation