BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-13
Company: MEGASTAR FINANCIAL CORP
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To begin with I am a senior citizen I am XXXX years old .At the end or about the end of XXXX XXXX I contacted XXXX XXXX at Megastar financial. I gave this gentleman all the information he requested i.e. IRS forms, bank statements, copies of my checks from my job and he sent them to his underwriter ... he came back telling the realtor and me that there are no red flags and I have no reason to not sell my home and I can look for a home between XXXX and XXXX. This was five months ago my home did not sell until XXXX XXXX. My current Realtor was also given the go ahead to find a home for {$380000.00} I am looking in XXXX, California ... we looked at in at least 15 to 20 homes I found one about XXXX XXXX for {$380000.00}, I still have the the escrow papers, and put down my {$3000.00} earnest money. The house was an escrow for about a week or so and then XXXX came back and said I 'm sorry you ca n't get the home because the taxes are too high so I Lost the house. Then XXXX tells my realtor and I that he has to do over the numbers again ... then he gave me a quote of XXXX to buy a house ... XXXX you ca n't buy a house at XXXX in XXXX that is a {$50000.00} difference .... if I had known this I would not have sold my house so he virtually left me homeless because he did not tell me in XXXX what the actual price of the home would be I could buy!!!!!! he waited until after my home was sold and I had no place to go!!! Again I had given him All the information he requested by XXXX and it went through his underwriters and he still came back with a quote of XXXX ... .he waited until after my house was sold then he told me you ca n't buy the house I told you you could. XXXX XXXX left me homeless and I have my son XXXX dogs XXXX cats and a bird a bunny and a snake so he 's leaving my animals homeless as well. He 's causing grave emotional, mental, and financial abuse to myself and my son and animal abuse to my animals because we are homeless right now. This is also possibly senior abuse since I am almost XXXX. My house is sold and I have to move out on the XXXX I have no place to go and I and I have not enough money to buy a home because XXXX did not do his job correctly he lied to me and the Realtor 's for 5 months ... Iwould not have sold my home if I knew all this information in XXXX so for five months myself, my son, and the Realtor 's ( more than one three realtors ) were under the God-given impression that I could buy a home for {$380000.00} .and after my home was sold he changed his tune ... ... .I am left homeless. I would like Megastar financial to finance the loan for a {$380000.00} home just as they said XXXX months earlier before I sold my house instead of waiting till after my house was sold and leaving my son my animals and myself homeless

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: CAVALRY INVESTMENTS, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Calvary collection agency is trying to collect on a debt for a MasterCard account via   XXXX   XXXX  . I do not recall ever having a MasterCard and have tried repeatedly to get proof the debt belongs to me by requesting a contract from Calvary bearing my original signature. Calvary has been unable or unwilling to provide this information. I have reported to all  XXXX  credit bureaus that Calvary has been unable to provide this information and the debt still remains on my credit. Calvary is also reporting false information on the date this account was opened. According to the statement I was sent, it was opened in  XX/XX/XXXX and Calvary states it was opened  XX/XX/XXXX . Per the Fair Credit Reporting Act, changing the date the account is opened is against Federal  Regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-13
Company: Blackhawk Network Holdings Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Our friends gave us a gift card which was used by somebody which later we realized charged by  XXXX   XXXX   XXXX . Both happened on the same day of the month.  XXXX  of  XXXX  and  XXXX  of  XXXX . We realized last month and opened a case with company. Then we went to oversees for a vacation and I came back yesterday. I found that the response letter I got from  Blackhawk  company was frustrating. They are asking original receipt and activation code of the gift card. As it can be inferred from the name it is a gift card and I did not buy this so I will never be able to send these information. I sent them the picture of gift card.  <P/> The gift card name is  GIFT CARD , from blackhawk network.  <P/> Since my gift card has been deactivated I can not call their customer service. They have this weird rule. As soon as you dial your card number it says it was deactivated and no way I can reach customer representative.  <P/> They also stated that I had to respond them in 10 business day but I might have already missed it due to my oversees travels.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-31
Company: EQUIFAX, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I disputed an error on EquifaxXXXX report its been over 2 months no results

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I received an email from my bank ( Bank of the west ) asking if a specific transaction was made by me or is fraud ok XX/XX/XXXX, I press " No, I do not recognize these transacions '' and I called the bank to lock the card and open a dispute. 
Since that day I didnt recive any notification or credit for those unauthorized transactions. By law the bank has 10 days to solve this but it didnt.

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 2019-07-31
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I financed a XXXX XXXX XXXX from Santander Auto, which I paid off on XX/XX/2019. To this day, I have yet to receive a title, lien release ... nothing! I have contacted them by phone dozens of times, for over a month and everytime, I am given the run around. The title has been lost in the mail for a month. The other alternative is for me to obtain a duplicate title at the DMV, but I need a lien release to do that. I have called Santander multiple times over the last weekm requesting that they fax a copy of the lean release to the XXXX NJ DMV, and after driving there and waiting, multiple times, they haven't received anything from Santander! After complaining, Santander told me it takes 5 days to send the fax. This is after another rep told me it takes 24 to 48 hours, and another told me it takes 2 to 3 hours. No one at Santander has the same story. I escalated this to a supervisor who told me, considering the original title was lost in the mail, it takes TWENTY days to request another, SO I waited 30+ days already, and now it will take 20 MORE! I demanded to be escalated even further to a higher up supervisor, and they hung up on me. I need to register this car in a new state as well as provide documentation to my new insurance carrier, within 30 days! I am risking issues with the aforementioned because I have no documentation to provide. Santander had no problem taking {$13000.00} for the payoff but they can't give me my documents! 30 days ago I paid it off. And they have been nothing but unhelpful since.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
i HAVE WRITTEN TO THE CREDIT BUREAU 'S THE XXXX, AND ALSO FILED WITH 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 explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, 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:
I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was part of the Equifax credit information hack I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. No American can sign up for any service or financial account without being validated by these three, so this is a forced requirement. 

Congress should federally mandate that credit freezes, unfreezes, and reporting be made available at no charge and with no conditional requirements ( ie : signing up for credit protection services offered by the agencies or their vendors XXXX. Our ability to BE American citizens relies on our ability to control our credit reporting. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they allow breaches that can cause permanent financial and identity harm. 

Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: EQUIFAX, INC.
State: DE
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:
XXXX XXXX IS CURRENTLY & HAS BEEN IN VIOLATION OF MANY OF MY FCRA & FDCPA RIGHTS!!!! XXXX XXXX KNOWINGLY & WILLINGLY REPORTS UNLAWFUL REPORTS TO MY CONSUMER CREDIT PROFILE!!! I PLAN TO TAKE ACTION & SEEK COMPENSATION PER VIOLATION!!! XXXX XXXX HAS CUASED DAMAGE TO MY CURRENT STATE OF LIVING & HAVING ACCES TO FAIR CREDIT! WHICH IS A VIOLATION!!! XXXX XXXX TAKES ADVANTAGE OF PERSON EXTENDING CREDIT TO ITS CORPORATION!!! XXXX XXXX IS CURRENTLY REPORTING MY CONSUMER PROFILE PASS XXXX  YEAR STATUE ALONG WITH INACCURACIES!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I made a XXXX transfer for XXXX to Coinbase on XXXX XXXX 2017 Payment was sent from my XXXX XXXX  account and Coinbase received it but its not showing on my Coinbase account. 
Its now 14 days since the transfer with no funds showing, I have made multiple calls to which Im told its passed on to the correct department but I havent heard anything. 
All emails go unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: (Former)Shapiro, Swertfeger & Hasty, LLP
State: CA
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: Investigation took more than 30 days

Complaint:
I am in deep student loan debt, started a repayment and had good status. Moved from being in poverty in XXXX, Ca. and now XXXX put illegal amounts of loan added since then in XXXX 2014. Help me, I can not get any credit and need to see what is really owed, I do not trust them at all. Help, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-01-02
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MIDWEST RECOVERY SYSTEMS is reporting a charge off from the XXXX XXXX on my credit. First, its not my debt and i never had an account with the XXXX XXXX. Secondly, when i called they said it was opened in XXXX, so its past the statue of limitations for reporting. They are reporting it was opened in XXXX XXXX, They are breaking the law and i want it off my credit report immediately. They need to provide the original documentation which shows when it was opened as well as it not being mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Capitol One was hacked, both the press and the TV national and local have said that over l00 million customers from Capitol One Bank has been hacked, with over l00 million social security numbers taken improperly. 

I have a charge card, checking and savings account with them. 

Attempts to resolve this issue with them have been fruitless. 

I called the Charge card XXXX number on XXXX, and my first complaint is with their phone system. It refused to accept the last four digits of my credit card, then refused to accept the whole l6 digits of my credit card which is current. ( Have I been hacked already? ) After a l5 minute wait in which I kept waiting for a representative, I believe an XXXX customer service rep came on the line. This was a gentleman who went by the name of XXXX, ID # XXXX, who then proceded to lie to me, stating this only covers people who apply for credit cards, not current customers. I told him that this was a lie, over l00 million people have not applied for credit cards with Cap One in the last six months, and and asked to speak to his manager/supervisor, this request was denied, so I hung up. 

I then called the Checking/Savings Customer Service line and this time a gentleman named XXXX gave me much better information and really tried to help me. His ID # is # XXXX. However, he is getting the same information from Cap One, that only credit card applicants would be hacked, if anybody. 

I then asked for what remedies are available such as ID Theft Protection, Credit Monitoring, and which credit agency that Cap One deals with. He was helpful, but did try and help me to the best of his ability. 
The credit card numbers end in XXXX. 
The checking account ends in XXXX The savings account ends in XXXX Capitol One has NOT contacted me yet via phone, email, or mail, and per the press releases have known about it since XXXX. 

Help please

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America lost payments Changed Account # s and Charged Bogus Late Fees

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 2017-07-13
Company: Harvard Collections, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report the beginning of XX/XX/XXXX and noticed with horror that a collection account was reporting XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX., {$500.00}! <P/>
I called Harvard Collection and the man told me that was a debt owed to the Dept of Human Services since XX/XX/XXXX! I told him that debt is not mine, no one has contacted me about a debt! " Oh, we do n't contact you we just put it on your report '', he said. Again, this is not my debt how do I get this off my report,?! " Oh, you got to pay this! ", he said. <P/>I filed an online dispute with XXXX and they replied the account has been updated. I did n't notice a change, still collections XX/XX/XXXX and XX/XX/XXXX. <P/>How can Harvard Collections knowingly re-age a debt from XX/XX/XXXX to be owing XX/XX/XXXX, not to mention the debt is not mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I tried to get credit- via a mortgage and was told that my XXXX  was reporting me as deceased. When I called XXXX to rectify the matter they told me I was reported as deceased via Synchrony Bank. I called Synchrony back explained that matter and wanted to know why they were reporting me as dead. I was able to verify who I was and when I tried to rectify the outstanding debt with them and was then told they will have to call me back. Shortly thereafter I received notice in the mail via a 1099-c form that they cancelled the debt and that I no longer owed them. I presumed this was due to their HUGE mistake. Fast forward I am trying to get approved for a loan again, this time I am being told that via XXXX  Synchrony bank says I owed them money. When I called Synchrony bank on XX/XX/19 they explained that I was dead again and then realized the mistake and said no you don't owe us any money we 1099-c you. 
I am asking for you help as me making calls to each provider is not getting me anywhere

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 2019-10-16
Company: EQUIFAX, INC.
State: IN
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 DO NOT UNDERSTAND THE REASON AS TO WHY THIS ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORTS ( CHASE CARD WITH A BALANCE OF XXXX AND 120 DAY LATE PAYMENTS ). IT IS REALLY AFFECTING THE OVERALL GOALS I WANT TO ACHIEVE. I HAVE ATTEMPTED SEVERAL TIMES AT REMOVING THIS ACCOUNT FROM MY CREDIT REPORT AND NOTHING HAS BEEN DONE ABOUT THIS MATTER. I DEMAND TO KNOW THE REASON AS TO WHY THIS IS STILL REFLECTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
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've contacted Experian and XXXX to have these fraudulent items removed. XXXX has requested Experian not to remove or dispute items. I've filed a FTC report as well as police report. These items are fraudulent and I feel like the companies are not complying.

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 2017-09-13
Company: EQUIFAX, INC.
State: AK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was part of the Equifax credit information hack. It is unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: C/C Financial
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I made a purchase of a king bed and mattress at XXXXXXXX XXXX and I use preferred lease as the financing company for the purchase. Now, XXXX gave me items that is broken and I tried over and over to talk with a representative from preferred lease to resolve the issues and every time they transfer me to a number that never answers. I made a XXXX review about XXXX XXXX  in order to get the issue resolved, so they sent a service guy over my house three weeks ago to fix the bed but he never fixed it and he also showed up with no tools to fix the broken frames and railings. 
Now, it supposed to be if a merchandise is defective that the leasing company will work with you. Instead they are keep writing me that my payoff is due on XX/XX/2021 but yet I can not reach anyone to talk with and see how they can help with this issue.

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 2022-02-11
Company: PNC Bank N.A.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
On Friday XX/XX/2022 at XXXX I attempted to contact PNC Bank regarding the payoff on my personal loan account ending in XXXX. The Balance on the account as of XX/XX/2022 is XXXX. When I called customer representative XXXX XXXX I asked her if the payoff was {$8200.00} and she replied no and I then asked her what the payoff was of today and she verified the same amount. I did ask her if any charges would go up while the payment was processing and she would not answer me directly other than stating that it could take XXXX to XXXX business days for processing. I am requesting that all interest be stopped on this account and be credited the added interest.

Company response to consumer: Closed with explanation