BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-06
Company: PRIMARY RESIDENTIAL MORTGAGE
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted Primary Residential Mortgage, XXXX on Monday XXXX XXXX to start the mortgage process. I spoke with XXXX XXXX. I filled out the application the next day. He called me back to tell me I need to pay on a credit card to hopefully raise my credit enough to get approved for a loan with no money down. The next day, Wednesday, XXXX XXXX, I contacted XXXX XXXX to get a copy of my credit report that he didnt go over with me. We only spoke about the XXXX card. He asked why I wanted it and asked, what are you doing? I told him I wanted my credit report to look over it and that its mine. I asked to speak to a XXXX. XXXX XXXX hung up on me. I called back and spoke with the XXXX, XXXX XXXX XXXX, and told him what happened. He was not very concerned but told me he would mail me a copy of my credit report. On Thursday, XXXX XXXX, I still had not received my report, so I called and got XXXX XXXX XXXX secretary. I told her I still had not received my credit report. She called me back to say XXXX XXXX XXXX advised her he had requested it on Monday, XXXX XXXX, and I should have it soon. That was almost a week after I had asked for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I applied and was approved for a Barclays Aviator Business credit card on XX/XX/2019. The account was approved and I received and activated the card. The card was locked due to business verification purposes upon receiving the card, and I have not been able to use the card. I called Barclays 's Fraud Department, who requested business verification documents for the card. I would have no issue with this if this business verification was performed before the account was approved. However, the account has been approved, the annual fee has been charged, and the promotional sign up bonus time period ( spending a certain amount within the first 3 months of account opening ) has begun, all while I am unable to use my card. Over a week ago, I faxed in an IRS form for my business to verify my business. However, it is now XX/XX/2019 and the Fraud Department has stated that the document is still being reviewed and they have no idea when the review process will be completed. 

My issue is that this business verification process should have been completed prior to approving my application for a credit card. Instead, it is being requested after Barclays approved the account and are charging the annual fee.

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 2020-11-13
Company: EQUIFAX, 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 {$2200.00}.

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 on XX/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.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Today is XX/XX/2018. This morning an ad scrolled across my smartphone screen from Quicken/Rocket Mortgage that said " Get Approved in 8 Minutes ''. This appears to violate at least Advertising/Reg N. This is false and misleading advertising. It may be possible to get " Pre-Qualified '' in 8 minutes, or even " Pre-Approved '' in 8 minutes, but it is virtually impossible to get " Approved '' in 8 minutes. To get " Approved '' means your loan application and all accompanying documents must be reviewed and underwritten by an underwriter, something which can not be done in " 8 minutes '', so in reality it is several days or even weeks for a final " Approval '' to be issued. It is impossible to get " Approved '' in 8 minutes.

Why is Quicken/Rocket Mortgage allowed to mislead the consumer with false promises like this?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Capital One credit cards has had my account compromised 3 times in the same week and is unwilling willing to stop it. The fraud is using my ssn and dob and doesn't have my password. Capital One refuses to force the password. Worse using the XXXX   the fraud had started payments twice even a day after the first report to the fraud department. They refused to disable the XXXX   and continued to allow the fraud to continue to use it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
There is an account showing with XXXX XXXX XXXX XXXX XXXX which listed a balance of XXXX that I settled out. I have attached proof I DO NOT OWE and have disputed this. It 's still listed that I owe and do NOT

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 2017-11-06
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: Their investigation did not fix an error on your report

Complaint:
There is an account showing with XXXX XXXXXXXX XXXX XXXX XXXX which listed a balance of XXXX that I settled out. I have attached proof I DO NOT OWE and have disputed this. It 's still listed that I owe and do NOT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
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:
XXXX XXXX XXXX reported incorrect information on my credit report. Reported it as surrendered and late payment. This is not True. I call them and they said they did not do it but Experian said they had too. 

I have documents showing that I have never miss a payment and that the loan is still open

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 2019-05-23
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2019 I reported 16 fraudulent debit card transactions made using my Debit Card to Citibank. I was provided Dispute ID # XXXX. On XX/XX/2019, I received provisional credit for 16 of the 18 transactions. I also received a letter in the mail on or about XX/XX/2019 advising me that the transaction for {$540.00} was provisionally credited to my account pending final disposition of the investigation. However, I never received any such provisional credit for {$540.00} despite what the letter from Citibank stated. I have followed up multiple times with the Citibank Disputes Department and have requested to speak with a US-based supervisor on three separate occasions. On all three occasions, the supervisors stated they would send an email to the back office requesting that this error be corrected and that the credit be applied to my account. As of todays date, this has not occurred. Citibank has represented to me information that is false and misleading. Moreover, Citibank has passed the 10 business day deadline to apply the credit to my account. While provisional credits are at a banks discretion, it is noteworthy that Citibank did apply credit for 16 of the 18 transactions, sent a letter advising that the transaction for {$540.00} was credited, and subsequent follow up has failed to remedy this error. 

It is completely unacceptable for a bank to advise of an action that has not occurred and then fail to perform the action stated therein.

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 2019-05-23
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2019 I applied for a mortgage modification due to storm damage and negative equity ( the mortgage is {$170000.00} and the accessed value is {$74000.00} ). 
I have been unable to rent the property to cover the mortgage amount due to the falling values of property in my area. 
I requested an exception for a forth modification but it was denied. 
A principle reduction and modification would enable me to keep the home I have had for 25 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Nelnet, Inc.
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
As of XXXX XXXX began overpaying/underpaying accounts allowing some to go delinquent then they sent me to collections. It took a month for XXXX to retroactively allocate funds to underpaid accounts and fix my credit. In XXXX, I pre-paid XXXX and XXXX yet received a letter seeking more money for XXXX. I spoke with them and they claimed that someone turned off prepayment in XXXX and would fix it. A week later I saw my account was asking for more money to cover XXXX. At that point I realized that they were not capable of resolving the issue. 

I filed a XXXX  claim and have been back and forth with XXXX. I shared XXXX  complaint and responses with loan and banking professionals. They concur that XXXX made a series of errors and the responses do not reflect an understanding of the problem or resolution. In plain terms, they said XXXX doesn't know what it's talking about or has decided it would rather I make another overpayment to fix their mistake and go away. I do not want to make multiple payments for the same month because XXXX overpaid XXXX account at other accounts ' expense. XXXX needs to learn how to do its job. 

XXXX needs to go back and redistribute my monthly payment to cover all of my individual accounts so that they are current. Doing so will show that I do not owe any money for the month of XXXX. Failure to do so is evidence that XXXX is incapable of doing what it is paid to do, which is manage student loan payments. 

In short, XXXX 's only reasonable response to my complaint is to do what it is paid to do, which is take a monthly payment that meets or exceeds the minimum requirement on the statement and ensure all accounts are up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Bought at XXXX XXXX XXXX  store. Paid off the debt, ast payment {$15.00} and some changein XX/XX/XXXX. Have XXXX XXXX unknown location or other name, calling me at least every week saying I owe them over {$100.00} for interest that goes higher every week. This was this year.paid off XXXX XXXX . We are elderly in our XXXX 's and do not move around well or run to the phone and our phone stops ringing at 4 rings so it really is unnerving. Make them stop, we do not owe them anything. we paid XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-24
Company: Chime Financial Inc
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2021, a refund amount of {$260.00} from the XXXX of XXXX was declined by the bank because my card was turned off. I keep my card off due to fraud and leaks that have been taking place. I reached out to the bank to let them know this and they made things incredibly difficult. As soon as I saw the charge was declined by them, I called the bank and spoke with a rude representative who basically said I was at fault. I then sent member services a message asking for help and got the same reply. I want my money rightfully returned to me and then I'm closing the account. This bank has a history of making disputes difficult as though these are their funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX  XXXX Original creditor : XXXX XXXX XXXX {$160.00} Balance updated XX/XX/XXXX XXXX XXXX Credit Card Processors Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Retail, Not Elsewhere Classified Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Furnishings - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Retail, Not Elsewhere Classified Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Mortgage   Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Mortgage   Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Home Furnishings - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX all accounts and inquires ftc violations

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 2019-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
This account is a credit card that belongs to my mother in law. Sometimes i handle her affairs on my own credit card but she offered to add me as an authorized so she wouldn't have to reimburse me. I asked her if the balance was below 30 % ans she said yes as she just paid it down. Upon her adding me a return check was issued which took the balance over 30 %. Shes elderly and forgot to change the bank. once she noticed that she immediately paid back what was returned for the payment that didn't go through. Unfortunately the account is now showing on my report as high usage and my mortgage broker is having a fit because i settle on my home next week. I sent over a request via all three credit bureaus but no one is responding. Please do not ignore my request as this urgent to fix the balance as a courtesy. Shes elderly and didn't mean to do this as this was her first time making this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: PREFERRED CREDIT INC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/XXXX I submitted a Payment for the final amount of {$42.00} it was processed on the following day, On XX/XX/XXXX they took another full payment of {$68.00}. I called them on XX/XX/XXXX to get the problem resolved. I was told that the payment would not stop until I called them, so they would have continued to take monthly payments every month had I not called on the XX/XX/XXXX but it was to late and they could not refund the amount taken on XX/XX/XXXX even though they were paid in full. I again tried to contact them by email and again on XX/XX/XXXX with no avail they keep insisting that They do not owe me anything but the {$19.00} which would have been the only over payment if I had not paid the full amount on XX/XX/XXXX. So now I am going to have to go to my bank and have them refund my money to me that they will not an go through the whole aggravation of fixing their mistake. It is not fair nor is it right that this is how they conduct their business. Thank you for your payment. Below you will see the email sent to me. Due date of XX/XX/XXXX2018 paid on the XX/XX/XXXX. I removed account information for privacy reasons. Their should not have been any other payment due on the account or any more money take from my account. 

This email is to confirm your payment submitted on XX/XX/2018 for your Preferred Credit account. 

Confirmation Number : XXXX Payment Amount : {$42.00} Scheduled Payment Date : XX/XX/2018 Amount Due : {$42.00} Payment Due Date : XXXX-2018 Account Nickname : XXXXXXXX Routing Transit Number : XXXX Account Number : XXXX Account Type : Checking Account Category : Consumer If you have questions about this payment or need assistance, please view the payment online at http : //www.preferredcredit.com, or call Customer Service at ( XXXX ) XXXX. 

Thank you for using the Preferred Credit electronic payment system. 

( A friendly voice when you need it - easy, self-help options when you don't. )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: Allied Collection Services, Inc. (Nevada)
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: Problem with personal statement of dispute

Complaint:
Was immediately contact by 3rd party agency last week on acct, advised on first call I want to work out arraignments and advised will not be on credit as long as arraignments are worked and and kept and not even one week later it is reporting on my credit as derogatory. This is misleading and unfair, do not tell me I can avoid having the derogatory when I am clearing working on a resolution then go an report the derogatory anyway. Unfair and unethical I am furious

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 2019-08-30
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Monday, XX/XX/2019, I opened a checking account online with Chase Bank. On the same day, I made a mobile deposit to that account for a check in the amount of {$2000.00}. The check was written out to me by my credit union. After making the deposit, Chase Bank informed me that the check would be held pending for 9 days. Two days later on Wednesday, XX/XX/2019 I tried logging into my account but it was locked, so I called the number indicated to inquire about the account. Upon calling, the Chase Bank representative informed me that my account had been closed. I asked why it had been closed, and she refused to tell me why. On Thursday, XX/XX/2019, I went to my local Chase branch in XXXX XXXX, AZ to inquire about the situation. The representative I spoke with told me there was nothing he could do and gave me a number to call ( XXXX ) and told me to ask to speak with a supervisor. On that same day, I called that number and spoke with a supervisor. When I asked the supervisor why my account had been closed, she declined to tell me why. I then asked her when I would get my {$2000.00} check returned. She informed me that Chase Bank would mail it to me as a check within 7-10 business days. My credit union, who issued this check, informed me on Friday, XX/XX/2019 that the check had cleared, contrary to the original 9-day pending status as stated by Chase. Chase is now in possession of that {$2000.00} check deposit, and I have absolutely no access to it, and no explanation for why the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In early XXXX, I settled several Navient loans, through collections agency XXXX XXXX XXXX, for {$2000.00}. To date, that settlement is not reflected by my Navient account, though the company does acknowledge receiving the money. Rather than applying the money to the settlement, as agreed, Navient has applied the money to outstanding interest. 

The company claims that it has not been notified that the money was intended to settle the private loans, despite the money coming from its collection agency. XXXX did not provide me with a settlement agreement in writing, though a XXXX XXXX spoke with today is allegedly working on providing a receipt so that I can provide the receipt to Navient. This should not be my responsibility. 

I would like to see this money applied to its agreed-upon purpose as soon as possible, and my account updated.

Company response to consumer: Closed with explanation