BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-22
Company: CAPITAL ONE 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: Their investigation did not fix an error on your report

Complaint:
I was impacted for the COVID19 pandemic beginning in XX/XX/2020 and was laid-off from work in XX/XX/2020, I have this documented with the state of Illinois. I contacted my creditors to ask for payment deferrals and/or forbearance which they honored with no negative impact on my score. I overlooked Capital One as a creditor and upon realizing I had late payments I contacted them in XXXX and paid my account and brought it to current status, requesting reconsideration of late payment charges and fees under the Cares Act protection. On numerous occasions I requested accommodation to not have the missed payments report negatively on my credit reports and they denied my requests stating that I do not qualify since I'm not a small business without providing any reason why I am disqualified. I have an otherwise excellent payment history and my payments were current prior to XX/XX/2020. My account was made current in XX/XX/2020 and paid in full. The negative reports of late payments is bringing my score down below a threshold to purchase a home. I feel I am protected from this negative reporting under the consumer protections of the CARES Act and feel that the negative reports should be deleted based on those protections

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-17
Company: Exeter Finance Corp.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I took out an auto loan in XX/XX/2019 with a high APR of 25.51 %. With only one late payment and 3 extensions, my account shows that I've only paid off {$600.00} of my financed amount of {$16000.00}. I called the company to explain the breakdown and requested my original contract, but they disconnected the line. She did try to explain before the disconnection that it depends on when I pay it every month? I've paid every month on time, but one. Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a forbearance on my mortgage payments for Hurricane Irma. In XX/XX/XXXXI called to start paying my mortgage. Was told by the teller named XXXX that there are only 2 options coming from FHA. One is a Cap and Extend which will modify the loan, the other is a lien on the house for the amount due during the forbearance. I was guaranteed by 3 representatives that these were the only options available and everything would be settled in 30 days max. I got a call from Caliber Home Loans a couple of weeks later telling me I was denied for all options and would have to start the process all over again. They never informed me that denial was a possibility. To the contrary they said everything would be complete in 30 days max. Now, in this time I have arranged for loan with the SBA disaster loan department for {$40000.00} and a lien on the home. I'm being told by the mortgage company that this lien will not stand because my home mortgage will be modified and a title search will be run, and when they run title and see a lien for {$40000.00} on my home they will not modify it again. I don't have the money to pay back now and becuase I relied on the statements of the company ( nothing was given to me in writing ), I might not be able to pay them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for the Chase XXXX card a year ago, and paid the first annual fee because of the advertised 2 free nights. However, when I logged into the website to book a hotel stay to use those nights, I was unable to do so. I contacted the XXXX Rewards service, but they did nothing to help me. 

Because of this, I went the rest of the first year without using the card ( because why use it if I can't get any rewards ). Today, I attempted to cancel the card, and was met with a lot of resistance in the process, but was eventually able to do so. However, I am still being to pay the second annual fee, despite not having used the card in over a year, and despite the fact that I did not consent to a renewal. I consider this fee to be completely fraudulent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-22
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020 I received a balance transfer from my credit card at XXXX XXXX XXXXXXXX to be deposited onto my Santander Bank checking account, then I verified the funds were there and the funds were paying for bills. I also transferred {$3000.00} onto my savings account and left it there. On XX/XX/2020 a lender institution told me that I was late on my payments and basically all the bills I had supposedly paid were rejected, the reason : my account was closed. I called my banker and he told me my account was shut down and reported for fraud. I had spent numerous hours trying to solve this issue and I did not get any answers at all from either institution. My accounts got closed for no reason and this is causing me a lot of problems financially and also with my credit. I am very very upset about this issue and I need it to be fixed asap

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 2021-05-06
Company: Experian Information Solutions Inc.
State: NC
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 have received a copy of my credit report and it shows company XXXX XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1800.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2020-05-31
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX is trying to collect for an unknown debt. They have not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$2300.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX  and transunon has accounts on my credit report thats not mine/fraud.

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 2020-11-04
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:
I have checked my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts and have never incurred a debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. Also, It could also be possible you are mixing up these accounts with someone that has a similar name as me. The accounts are not mine, and I would like them immediately deleted.

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 2018-04-29
Company: SYNCHRONY FINANCIAL
State: AZ
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:
An un-authorized Inquiry was made on my credit based on an old address. 

Institution Information Syncb/walmrt XXXX, FL XXXX ( XXXX ) XXXX On XX/XX/2018 This is possible Identity theft and this should be removed from my credit report.

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 2020-05-31
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Usbank gave me a three month grace period but now I see a foreclosure letter being sent out by USbank. Please advise.

Thank

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 2020-09-03
Company: BANK OF THE WEST
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XXXX DOES IT TAKE OT CLOSE AN ACCOUNT WITH XXXX BLANCE? I CALLED AND MESSAGED ON XXXX XXXX TO CLOSE AND 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 monetary relief
Consumer complaint received 2021-02-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Back in XXXX of XXXX, I had fraud on my credit card. As soon as I found out, I contacted Chase and disputed the fraudulent transactions. The claim was resolved in my favor, however, I am still being charged interest on those purchases. I have called several times trying to get this issue resolved and I have been told that the issue would be resolved, but as of the most recent statement, interest is still being charged on purchases I did not make.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter from us bank stating that they closed my account due to the fact that it was overdrawn. On several attempts my cards never came to my home. I called and called several times to inform thia of this. When I noticed my account was overdrawn a rep contacted me and I informed the rep that my account had been compromised. I also informed him that I contacted the fraud department twice never received any paperwork or anything. On several attempts I had issued to me several temporary cards due to the fact that they sent out my card and then I never received it. Informed the company that my mail box was located on the street and can easily be broken into to. I am upset on the fact that I am XXXX XXXX with XXXX and that this company has treated me this way.

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 2020-08-26
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Account # XXXX XXXX XXXX XXXX XXXX On XX/XX/2020 we sold our home, which Bayview Loan Servicing was servicing our mortgage. At the time of the closing, we had {$5500.00} in an escrow funding account for taxes and insurance, which is to be refunded to us, as of the date of the home sale.

We have contacted Bayview Loan Servicing multiple times, regarding our refund. They acknowledge the amount to be refunded. However, as of today, we have not received our money. Bayview Loan Servicing keep sending us letters that they have refunded our money. Yet, we receive those letters, but, have yet to receive our money. 

We are requesting our {$5500.00} which is owed to us by Bayview Loan Servicing. This company has been nothing but trouble throughout the life of our mortgage. They have very poor customer service, and are rude at times. We are a retired couple ( over XXXX ), seeking to get our money from our escrow account. Thank you for your prompt attention into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
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 {$4100.00} Date OpenedXXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX|Date of Inquiry : XX/XX/XXXX XXXX 
Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.

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 2020-10-14
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I had a medical bill previously closed by the original creditor in XX/XX/XXXX. We confirmed the closure with the original creditor in XX/XX/XXXX, with a confirmation  letter dated XX/XX/XXXX. A collection agency seems to have fraudulently purchased the debt. When asking for debt validation from the collection company, none was ever received. Information was sent to Experian for investigation, and twice Experian replied that the debt is " valid '' and " remains '' on my credit report.

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 2019-11-18
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please accept this narrow and specific Qualified Written Request under 12 CFR 1024.36 for a copy of the life of the loan accounting and life of the loan escrow accounting for Trade Line XXXX, Chase Mtg, {$74000.00}. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: CITIBANK, N.A.
State: CA
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:
I am concerned about Citibank 's recent business activities to punish their customers for their lawful business activities with regards to transactions involving firearms production and distribution. Citibank has announced it will no longer do business with companies that do not implement a host of policies promulgated by various gun-control organizations. This amounts to discrimination against people engaged in lawful commerce protected by the Second Amendment.

Although, I have already cancelled my accounts with Citibank, I am still harmed, as are all Americans, by Citibank 's attempt to circumvent the democratic process and impose a radical gun-control agenda by the sheer force of its market share. It is particularly galling considering that Citibank took an enormous bailout from American tax payers not too long ago.

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 2021-05-06
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hi, PayPal close my account without any reason. 
I think because I received money in XXXX. Is ok if PayPal don't want let me use their services but the money in the account I need get access. 

I see my account doesn't have any fraud activity. 

READ WHAT PAYPAL AGREMENT SAID ABOUT XXXX XXXX PRODUCT. 
XXXX PayPal XXXX XXXX is a debit card linked to your PayPal XXXX XXXX balance. The PayPal XXXX XXXX is not a credit card. PayPal is not a bank and does not itself take deposits. You will not receive any interest on the funds in your PayPal XXXX XXXX account. Funds you hold in a PayPal XXXX XXXX account are not insured by the FDIC unless you have successfully requested a PayPal XXXX XXXX. If you have successfully requested a PayPal XXXX XXXX, then we will deposit the funds in your PayPal XXXX XXXX account into a pooled deposit account held by us for your benefit at an FDIC-insured bank. This structure used for accounts with a PayPal XXXX XXXX is intended to provide the funds in your PayPal XXXX XXXX account with the benefit of pass-through FDIC insurance up to applicable limits. 

The PayPal XXXX XXXX is issued by XXXX XXXX XXXX pursuant to a license by XXXX XXXX XXXX. XXXX is a registered trademark, and the circles design is a trademark of XXXX XXXX XXXX. The XXXX XXXX is issuer of the Card only and not responsible for the associated accounts or other products, services or offers from PayPal. Card may be used everywhere XXXX is accepted. The XXXX XXXX does not hold your PayPal XXXX XXXX funds. 
XXXX PayPal XXXX XXXX account is required to get the card. 
Approval contingent on ID verification. IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT : To help the government fight the funding of terrorism and money laundering activities, XXXX law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you : When you open a XXXX Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. 

In this agreement is clear PayPal said is not a bank. PayPal do not received direct deposit, so, they said are not responsible of the money in the PayPal XXXX services. 

Is clear in the agreement do not specify nothing about if i received a benefit in my account they can hold my money for XXXX days. 

my email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Wells Fargo Home Mortgage I ascertained a copy of my credit report from XXXX   and I have 62 / Thirty Day Late Payments and they've even reported me late in XXXX even when I've made the XXXX 's Monthly payment back on the XX/XX/XXXX., I have moved from my old home while utilizing this address as a rental until this date., I informed Wells Fargo of My new address back In XX/XX/XXXX they have neither sent me any correspondence related to my account., Since said time I have yet to receive any type of communicative late notice from Wells Fargo until XX/XX/XXXX XX/XX/XXXX

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