BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020, I applied for a VA mortgage through Bank of America. I provided all the requested information and was initially given a tentative closing date. Within a few weeks I was being sent more paperwork that needed to be revised almost daily. The paperwork was not pertaining to any major issues but things such as signing each page of pest control report by seller and buyer, mandating that these signatures could not be electronically signed but had to be wet signatures. Requests were made for information from my inspector and appraiser which they had never heard of before and both parties have worked in their respective fields for more than 30 years. We were requested to send proof that home repairs listed in contract had been done by licensed plumber and electrician however when the realtors sent the information, they were told the licenses could not be verified and that they were probably fake by an underwriting agent. It was more than a nightmare and there were no reasonable explanation as to why we were getting the runaround. There were also other questionable actions by the underwriting department we were working with as well as the loan officer. I was told my interest rate could not be changed once it was locked in and I was also told that I could not convert from. VA loan to  a Conventional loan even if I qualified. I changed from Bank of America on XX/XX/XXXX and closed with a new mortgage company on XX/XX/XXXX. They stated they didnt understand why Bank of America was not able to do the same, the new mortgage company stated I had one of the cleanest file they had seen in awhile. My hopes is that my treatment had nothing to do with anything except the fact that there are persons employed at Bank of America who do not desire to do their job when having limited supervision and working from home but, I could not risk anyone having to endure what I did with Bank of America, regardless of the motivating factor. I wrote a letter of complaint to XXXX XXXX at the following address XXXX XXXX XXXX XXXX XXXX, XXXX, Ga XXXX on XX/XX/2020. I have also attempted to reach an underwriting supervisor to file a complaint and was transferred from department to department without successfully reaching anyone. The loan officer I worked with in reference to my mortgage was XXXX XXXX NMLS ID XXXX. Thank you in advance for your assistance.

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 2022-08-25
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo unfairly closed my new checking account after opening it. Due to XXXX XXXX falsely accusing me of harassing her when she was the one harassing me. I have never been able to put this to rest because I did nothing wrong. I was being set up by XXXX XXXX and the rest of her friends at the bank. When I couldn't log into my account. I didn't see XXXX XXXX at the bank the entire week at the XXXX XXXX branch. Until the last day of getting my new account set up. The banker I was with new I wasn't harassing her. But XXXX XXXX falsely called 911 but the police didn't do anything to me. The police looked confused as to what's going on here. 

But she lied to XXXX XXXX and he sent me a hostile nasty letter about my bank account being closed. He didn't investigate fully or look at the security footage. 

I didn't have know that XXXX XXXX was in the bank that day. It was all a dirty thing to do to me and they should be in trouble anyone who was invoked with XXXX XXXX. 

I can't have a checking account car loan any rule of loan. XXXX XXXX threaten with the police if I come inside any Wells Fargo bank. This has me enraged and furious I didn't do anything wrong. 

If the female banker lied saying I harassed XXXX XXXX then she needs to be fired to. I was taking care of my own banking business. But Wells Fargo refuses to hear my side of the story.

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 2019-08-29
Company: Unlimited Progress Corp
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I PULLED A COPY OF MY CREDIT REPORT AND NOTICED THAT CREDITORS DISCOUNT & AUDIT WAS REPORTING AS A COLLECTION. I CONTACTED THE CREDIT BUREAUS AND INFOMED THEM THAT THE REPROTING OF THE ACCOUNT IS MADE IN ERROR AND I AM NOT AWARE OF OWING THIS COMPANY. I SENT A LETTER TO CREDITORS DISCOUNT REQUESTING THAT THEY SEND ME PROOF THAT THEY ARE LICENSED TO COLLECT AND NEVER RECEIVED A RESPONSE. I THEN SEARCHED THIS COMPANY AND NOTICED THAT CREDITORS DISCOUNT IS NOT LICENSED/BONDED AND DO NOT HAVE THE RIGHT TO COLLECT IN INDIANA. I WROTE THEM A LETTER INFOMING THEM THAT I SEARCHED THEIR COMPANY AND THEY ARE NOT LICENSED TO COLLECT IN ALMOST STATES THAT I SEARCHED. THEY SENT ME A COPY OF A BILLING STATEMENT I REQUESTED THAT THE REMOVE THE ILLEGAL REPORTING FROM MY CREDIT REPORT AS THERE ARE VIOLATING MY RIGHTS.

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 2020-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX changed the AGE DATE of ( 2 )  debts appearing on my credit reports to XXXX and XXXX from original dates of XXXX and XXXX, respectively, knowing both were currently OUTSIDE THE STATUTE OF LIMITATIONS since appearing on my report in XXXX. The agency known as XXXX XXXX at that time originally reported his dept to XXXX, XXXX and XXXX. I have disputed these numerous times through XXXX XXXX, each of the credit reporting agencies separately in writing and electronically, yet this agency has FAILED TO PROVIDE DOCUMENTATION about these debts, refuse to adjust the age date AND CONTINUE TO CHANGE THE DATE OF COLLECTION. They have recently changed the age date from XX/XX/XXXX to XX/XX/XXXX on one of these accounts that they refuse to have removed from my credit reports! I have not contacted them directly in any way prior to XXXX because when I do they reset the clock on the age date of the accounts. Additionally they have threatened me, used foul and abusive language and deceived me into believing they can garnish any of my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Experian Information Solutions Inc.
State: AZ
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 Sent in a Equity Letter exercising my Equity ASKING FOR THE " original instrument of indebtedness in its original form. '' which XXXX XXXX has failed to provide! This documentation DOES NOT!! HAVE MY Social Security Number Or Date of birth on it so how could they say THIS IS MY DEBT? 

I'M ALSO A VICTIM OF IDENTITY FRAUD. THIS IS NOT MY DEBT! 

This is a direct violation Of the FCRA and the FDCP Act.

This is : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act FCRA Section 623 CUSHMAN v. TRANS UNION CORP. US COurt of Appeals for the Third Circuit Court case 115 F. 3rd 220 XX/XX/1997, Filed ( D.C.

No. 95-cv-01743 ). 

They refuse to correct information after being provided proof of inaccuracy.

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 2021-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I had my wife assist me in opening a Capital One 360 checking account under their promotion where I deposited {$1000.00} into the account within 60 days and they would give me {$400.00}. No where on the terms state that I must initiate the transfer from my outside bank TO them, just that the funds needed to be an ACH from an outside institution TO Capital One which total {$1000.00}. 
I did this, I initiated two {$500.00} transactions from my XXXX XXXX account To Capital One. I called to ask them why I did not see the promotion deposited. They claim I did not meet the terms of INITIATING the transfer from an outside bank to them, and send me the terms which I already had a copy of. I explained to them that when I had assistance from their rep opening the account, i could do a transfer fmoney between XXXX, XXXX, XXXX, an outside bank, or direct deposit and all of those would count as a deposit as long as it was an ACH and the total was {$1000.00} in 60 days. They did not state the transfer MUST be initiated from the outside source, just that the funds must come from the outside source to qualify. 
There terms were not clear and did not include this, now they are trying to withhold the {$400.00} bonus for opening an account with them although I met all other requirements according to them, but because I did not initiate the transfer from my outside institution to them they are withholding the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have a current mortgage loan with XXXX XXXX XXXX, loan is serviced by Loancare for a Co-op in NY. I am currently in contract for the sale of my co-op & also in a purchase contract for the purchase of a new home. Currently both files are cleared to close except for we are waiting on Loancare ( my current lender on co-op ) to produce the collateral documents needed for closing. The purchase of my new home is contingent on the sale of my co-op. I have been at Loancare 's mercy going on two months now awaiting either the closing documents needed to move forward with the sale of my co-op or for them to concede to not having the documents & provide me with an affidavit stating the documents are lost, in order for my Co-op to reissue the original collateral documents. My buyers ( for my co-op ) have already extended their rate with their bank twice ( having paid fees to do so ) & my seller for my home is threatening to pull out of deal since I have been unable to close. Between these two deals there is over {>= $1,000,000} at risk & I have no place to turn other than threaten to sue them if these deals are lost. I don't know what else to do.

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 2020-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
On XX/XX/XXXX someone attempted to purchase a XXXX  XXXX XXXX through XXXX. They attempted to finance the auto via various financial institutions. A police report has been filed with the XXXX, CA Police Department ( XXXX ). They also stated I worked for XXXX XXXX XXXX. They applied for financing at the following banks : Capital One Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX The individuals that attempted to use my identity entered the following demographic info Phone XXXX XXXX XXXX email XXXX I would like these inquiries removed from my credit report as they are affecting my quality of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2021 I submitted a 609 letter to Equifax asking them to respond to my letter and provide information on the accounts that are on my report inaccurate and incorrect. My credit report by the law is supposed to be 100 % accurate and verifiable and it is not. 

They have failed to answer me within the 30-day window.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Ocwen Financial Corporation
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I opened a request for mortgage forbearance in XX/XX/2020. I submitted multiple forms and documentation that they requested to substantiate my hardship due to COVID-19. I had to submit these forms multiple times. No one responds by email and when someone contacts me by phone, I'm told I have submitted everything needed ; however, I received a collection letter in XXXX and a collection phone call in XXXX. 

My mortgage is backed by XXXX My understanding is that due to CARES I only need to state I have a hardship for my mortgage loan to be placed into forbearance. The requirement for documents has been a burden and the attempts to collect when the servicer knows I am in the process of requesting forbearance have a hardship has been confusing and stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Citi Cards CBNA is reporting a balance owed of {$440.00}, Account XXXX, on my credit reports for a secured account that allegedly went into default in XXXX. 

When I spoke to Citi Cards customer service on Monday XX/XX/XXXX I was told that they could not verify the debt or who owned the debt. 

Citi Cards must therefore immediately delete this account from all credit reporting agencies and cease collection efforts, in compliance with FCRA laws. Failure to comply will make Citi Cards CBNA liable to further legal recourse, which I will pursue to the fullest extent.

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 2020-09-10
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from Convergent Outsourcing Inc dated XXXX XX/XX/2020 notifying me a XXXX account I had was sent to collections. I never got a final bill from XXXX, but that is another discussion. 

On XXXX XX/XX/2020 I got a call on my cell phone demanding payment from the same company. This violated the 30 day validation period that began XXXX XXXX per the notification letter. 

I confronted the collector on this and was sent to a supervisor. The supervisor denied the violation and again demanded payment. 

I requested a breakdown validating the balance, and was told that would have to come from XXXX as the collector can not furnish one. I confronted them on the fact the collector is obligated per FDCPA to furnish the breakdown when disputed and requested. They denied that as well.

There are FDCPA violatio

ns : 1. Initiating contact inside the 30 day validation period. 2. Refusing to provide an account breakdo
wn validating the 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 2020-08-24
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a small XXXX of XXXX XXXX consisting of single family homes and duplexs. My total mortgage debt includes XXXX on my primary home and XXXX on a single duplex. No one property will appraise above XXXX to qualify for a new loan yet i have a credit score above XXXX. I am easily covering the combined mortgage debt yet would like to prepare for any financial hardships arising from future unknown covid complications. I carry no debt, no car payments and excellent credit. If I XXXX  a XXXX dollar XXXX XXXX there would be options yet because no single property can attain that equity I seem at a loss. I have been told many times that there is nothing that can be offered and therefore I am posting here, My primary home loan is with Wells Fargo and my investment loan is with XXXX XXXXBoth are located in XXXX, NJ XXXX. It seems very unacceptable when i have clear deeded properties to use for collateral in excess of {>= $1,000,000} dollars and there are no options available including the operator at Consumer Financial Protection Bureau ( CFPB ).

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 2021-02-11
Company: CURO Intermediate Holdings
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
AD Astra Claim this debt is Accurate & Consistent but on the original creditors ( Speedy Cash ) its 2 different incorrect spelling of my name, which is a major violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Receivables Performance Management, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was contacted by a debt collector for an owed telephone bill for XXXX. I agreed to pay the amount in order to have the collections account removed from my credit report. The debt collection agency agreed to these terms but specified that I had to pay the entire owed balance. Upon paying the entire balance in one lump sum, the company did not keep its part of the agreement. The company put the collection on my credit, and just marked it as paid. I contacted them again and the representative told me they could not locate my account because it was paid. I asked why it wasn't removed as agreed, and she stated that they do not remove collections. It was a trick to get me to pay the full amount. 
Receivables Performance XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX ( phone )

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 2020-08-24
Company: McCarthy, Burgess & Wolff, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a telephone call on XX/XX/2020 from a debt collector demand payment of {$1200.00} owed to a firm called XXXX, XXXX XXXX Ca. I informed this caller that I had never done business with XXXX and to cease trying to collect a debt I did not owe. 
I then reciveed a demand letter from the debt collector, XXXX XXXX and XXXX, XXXX Ohio, stating that I needed to make this {$1200.00} payment now or they would take further steps to collect this debt. I replied in a letter ; that I never did business with XXXX, that I did not owe XXXX {$1200.00} and asked for documentation for this debt. This debt collector did not provide the documentation, and called again. 
I was finally able to get someone at XXXX to response to my request for assistance and was provided with an invoice dated XX/XX/2020. It was billed to a company named XXXX, without a address, telephone # XXXX XXXX it stated the the payment would deducted from the account on record. I asked or documentation such a signed contract, name of the Account on record, customer contact information. The reply from XXXX was to contact the debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: Paramount Recovery Systems, L.P.
State: FL
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:
This account was unauthorized. I am a victim of identity theft.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Experian Information Solutions 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 SENT NUMEROUS DISPUTE LETTERS TO XXXX EXPERIAN, AND XXXX TO DISPUTE THE NEGATIVE ITEMS ON MY CREDIT FILE. STILL TIL THIS DAY I HAVE NOT RECEIVED ONE INVESTIGATION RESPONSE, LETTER, AND OR ANY REPORTS OF THEIR FINDINGS. I DON'T THINK THAT IS TO MUCH TO ASK FOR A UPDATE BUT THEY HAVE REFUSED TO SEND ME ANY DOCUMENTATION REGARDING MY DISPUTE 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 explanation
Consumer complaint received 2021-04-05
Company: AMERICAN HONDA FINANCE CORP
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I contacted XXXX XXXX  and Acura Financial to request that they report my on-time payments to them for cars they financed in XXXX and XXXX. Between the two companies, I paid 61 payments on-time - but not a single payment was reflected on any of the three credit bureaus. 

While I filed Chapter XXXX in XXXX, I never stopped making on-time payments on our cars. When I contacted both banks, they informed me that it is company policy not to give me credit for on-time payments before, during, or after filing Chapter XXXX. I was told the only way to initiate credit bureau reporting is to refinance the cars with another bank. 

I believe this to be unfair consumer policy and request it be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: CNG HOLDINGS INC
State: KY
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:
A couple years ago I bought a tv from XXXX. The tv was $ XXXX {$400.00} dollars. I paid the tv off, however the company didnt report that I paid the tv off and decided to charge me an insanely amount of interest and late fees. Now the balance is well over {$700.00} when I paid the tv off and the tv was it even worth that much!!

Company response to consumer: Closed with explanation