BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I was a Capital One Venture Card holder. On XX/XX/XXXX, I redeemed my Capital One reward points to order six XXXX gift cards, worth total of {$1000.00} USD ( five {$200.00} gift cards and one {$25.00} gift card ). I closed my Capital One account on XX/XX/XXXX, and double checked with the Capital One customer service representative that the gift cards I ordered were still being processed, and it would take 3-4 weeks. On XX/XX/XXXX, I receive one {$200.00} gift card, but still did not have the other five gift cards. On XX/XX/XXXX, I called Capital One customer service to inquire about the missing gift cards, and the customer service rep informed me that I would receive them no later than XX/XX/XXXX. On XX/XX/XXXX, I called Capital One again, and the customer service representative told me that because I canceled my credit card while the gift card orders were still " under process, '' the gift card orders were all canceled ( except the first gift card they mailed out ) due to account was " not in good standing ''. They could not explain why the reward orders were not processed in the two weeks between my order and me closing the account. Even the customer service representative admitted that it was unfair and bad customer service, but she unfortunately had no power to assist me. There were no alternatives offered. Over the phone, I even asked for the verdict in writing and was denied. Capital One informed me that I would not receive {$820.00} in gift cards, from the rewards that I earned over multiple years, believing that Capital One would honor their program. Capital One did not warn me that my reward orders would be canceled when I closed my account, and at no point in my multiple communication with Capital One did any customer service agent inform me that my orders had been canceled until my third phone call with them on XX/XX/XXXX. Through the Capital One customer service representative, I filed an appeal over the phone on XX/XX/XXXX, and I was told I would receive a response prior to XX/XX/XXXX over email. As of XX/XX/XXXX, nobody from Capital One has attempted to contact me. When I made the gift card orders on XX/XX/XXXX, I believed that I could use those gift cards to purchase necessities and gifts for my friends and family, but at the end, I was out {$820.00} worth of reward points that took years to build up, the effort to make multiple phone calls and staying on hold for long periods, and hours of frustration during the holiday period. Capital One justified all this on the fact that I canceled my account more than two weeks AFTER I redeemed my points, and again they did bother communicating their unfair policy with me at any point. My account was in good standing during the entire duration that I was a credit card holder with Capital One.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-07
Company: Experian Information Solutions Inc.
State: NV
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:
Multiple times this has happened but yesterday and today I have proof through experiane emails this happens on a regular basis. 
On XX/XX/XXXX thursday, in the evening at about XXXX. I called to file the dispute. On XX/XX/XXXX i get an email verifying dispute is opened, friday. On fri XX/XX/XXXX i get an email at approximately XXXX saying dispute completed. They contact company verified info and no changes have been made. 
Exactly how in less than 24hrs was the info sent from experian to company, company got dispute read it, opened my close account files, looked into disputed info and replied to experian before XXXX that the info was accurate and complete. 
They would not have received notice of dispute til they opened at XXXX or XXXX XXXX on friday. And they close at XXXX on friday and dont reopen until monday morning. 
Did experian really verify the info was correct. Did they even send disputed info to company or did they just lazy their way out and say done within 8 hours. 
As this has happened muliple times with multiple companies my guess is experian is shortcutting and not fully investing claims. And not fully reading and documenting problem.

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 2021-10-26
Company: HYUNDAI CAPITAL AMERICA
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The Kia Finance department which was supposed to send my insurance company a letter of guarantee failed to do so. It took several months to obtain this information and during this inappropriate & unprofessional time period the loan accumulated monthly charges which the gap insurance refused to pay. These charges which would not of been accumulated if Kia Finance would of responded in the appropriate & Professional amount of time to the insurance company. I shouldn't be responsible for this failure by Kia Finance and therefore they should retract these fees from my credit report as they have never tried to settle this and the collection company can not. The whole matter was handled inappropriately & without Professional conduct. They do not return phonr calls and when I reported this to the Attorney General they produced false information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: BSI Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In previous complaints I have addressed the inconsistency in BSI 's failure in posting timely documents for me to pay my loan. Due to the status of my loan, I am diligently trying to make attempts to resolve my account without paying the ridiculous {$3200.00} 6 month payment plan designed to take my home. In addition, the investors would be holding money earning interest on XXXX monthly. I am not giving them the satisfaction. 

In XX/XX/2021, the manager, whom I spoke with on the phone XXXX XXXX, was somewhat hostile in her tone. While I kept it professional, I really wanted to her off. The only thing she did do was finally assign me to another loss mitigator. When I asked about getting statements posted timely, I was told that was a customer service issue and she could not do anything about it. This is on recorded conversation if you don't believe me. 

Secondly, I am continually getting fees and charges that are being added to my account with no explanation and not receiving any documentation in the mail. They charge whatever they feel like. This has to stop and is illegal. As a customer, I have the right to know what is being charged. I should not have to call customer service to find out what the charge is. 

I have attached my exhibit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: LoanCare, LLC
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was one month behind on my payment. In XXXX I was put on XXXX  XXXX  XXXX due to a number of health problems and my pay was not correct, so I was short and couldn't make a payment in XXXX, which put me 2 payments behind. I spent most of XXXX and XXXX in the hospital. When I was finally home around XX/XX/XXXX, I sent a payment of {$1500.00} and my regular payment is {$1200.00} to show that I was trying to get caught up. I went to make another payment in XXXX and realized that Loancare had sent back {$1000.00} of the {$1500.00} and kept {$500.00} for late fees. which put me even further behind. I called in XXXX to find out why they sent the {$1000.00} back and they said to avoid foreclosure they needed a total of {$3700.00} by the end of XXXX. I had to wait until I got paid on XX/XX/XXXX to have the full amount they required. I called on XX/XX/XXXX to pay the {$3700.00} and I was told my home was placed in foreclosure on XX/XX/XXXX. They said my only option was to try to get on a repayment plan. So I downloaded the hardship packet and emailed the completed packet on XX/XX/XXXX to the email address I was provided, XXXX. I called on XXXX to confirm my documents were received only to be told that I sent them to the wrong email address and I needed to email to XXXX. This company is very difficult to work with and have policies in place to keep the customer in default by returning partial payments and doing what they want with the rest.

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 2017-11-09
Company: Experian Information Solutions Inc.
State: AZ
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:
After months of requests to XXXX XXXX, they still have not provided any validation that the account is mine. More importantly, that I should pay THEM. I have requested simply validation for months, but all they said was it 's verified. And with that, I inquired as to how they verified it, with whom, and they never provided any documentation to show verification/validation.

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 2021-09-18
Company: OneMain Finance Corporation
State: VA
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 noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$910.00} XXXX XX/XX/XXXX {$3300.00} XXXX XXXX XX/XX/XXXX {$0.00} Hard Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Home Point Financial Corporation
State: IL
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 was on XXXX  leave from XX/XX/XXXX to XX/XX/XXXX and I was not receiving my full pay during that time. What I did not realize was that due to me now getting paid my regular full paycheck and those full paychecks stopping in XXXX the correct amount was not transferred into the account that had automatic debits scheduled monthly to pay the mortgage. Since my payments were always automatic and my account had overdraft protection, I was not aware that my mortgage payment was missed until my credit score was affected. I was never late on any payments prior and have already brought my mortgage payments into being current so I have asked my lender Homepoint Financial to do a one time curtesy late payment removal. I have explained that I am a XXXX  mother and during Covid it has been hard to be financially stable and I have still managed to be current on my payments until that one time. They have denied this request. My credit score is very important to me so this one time late removal is very critical to me and my financial future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3800.00}, {$18000.00}, {$7400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received onXX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with  a balance of {$3800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 


-- OPEN ACCOUNT 3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: Experian Information Solutions Inc.
State: FL
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:
THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, I DID NOT AUTHORIZE THIS ACCOUNT UNDER MY NAME, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER TO CORRECT YOUR CREDIT REPORTING INACCURACIES.

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 2021-09-18
Company: Global Lending Services LLC
State: VA
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 noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$910.00} XXXX XX/XX/XXXX {$3300.00} XXXX XXXX XX/XX/XXXX {$0.00} Hard Inquiries FXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Global Lending Services Inc XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: PNC Bank N.A.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello My complaint is regarding PMI removal.

I bought a brand new home ( new construction ) in XXXX. I have an outstanding payment history, putting more money down every monthly. 

in XX/XX/XXXX I contacted PNC to get PMI canceled. PNC charged me {$500.00} to run an appraisal and gave me the criteria for PMI removal. 

1 ) The appraisal must show sufficient value which would reduce the LTV to 80 %.

2 ) Since the loan is less than 2 years old, the investor requirements state that the customer is required to have made improvements to the property. 

I accepted the criteria and paid {$500.00} for the appraisal, after 2 weeks I got the decision : " THE LOAN INVESTOR HAS DENIED YOUR REQUEST TO REMOVE PMI '' The appraised value brings my loan-to-value ( LTV ) to 77.79 % ( it means I achieved the first criteria ) However PNC stated that I haven't made improvements in my home accordingly to the second criteria, but that is not true. I opened a dispute and proved ( sent a report with photos and invoices ) that I have made a lot of improvements such as Patio over 500 sqt, driveway extension, new walkway and porch, black splash, finished garage with epoxy painting. 
However they still denying my request, saying that I have not made any improvements. 
The question is, what else is considered improvements for a brand new house. 

I have called more than 4 times to try to get a fair answer and, every time that I call I need to wait 5 days to get a response by mail. Besides the frustration, waste of my time also it seems a scam because they are not acting with integrate. 

I really wish to solve this matter in a friendly way, for that reason I am opening a claim here, before to talk to an attorney. 

thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: EQUIFAX, INC.
State: NJ
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 did not consent to this negative and inaccurate information to appear on MY credit/ consumer report. Please remove!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Coinbase has blocked me from accessing my crypto in XXXX when I transferred it to my wallet. The money is there and I did all the steps correct such as using ETC network. They have restricted access to my own fund without warning or any notice. I am verified and did verification again. Resettled my passwords for extra security and still no response. 

A support ticked with case ID XXXX, I created was closed without any action or change or information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2021-09-18
Company: SN SERVICING CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
because of covid I fell behind in my mortgage payments in XX/XX/2020. I started to work with my mortgage company on a plan to help. finally in XXXX they gave me a forbearance but for only a month. I sent them a payment and it was returned to me. I find out that they had sold my mortgage to s & n servicing and it had to start whole process over. right around this time I went to doctor for checkup and her saw a strange XXXX on my XXXX. it turned out to be XXXX and it had XXXX  XXXX to remove it and then XXXX to be sure. this fall effected my work once again. I have been sending info fir months to s & n and they finally sent me a proposal at beginning if XXXX XXXX there offer is to increase my payment from {$1000.00} to {$1700.00} and increase my interest rate from 3 to 4.5 even though interest rates are at and all time low. I fell like they are talking advantage of me because I dont have a middle man negotiating for me. this payment would take up more than half of my income. what can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: EQUIFAX, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Company response to consumer: Closed with explanation