BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-08
Company: C&F MORTGAGE CORPORATION
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
C & F Mortgage Corporation, its officers, employees, agents, assignees, and successors as well as other participants in concert with them took action in United States District Court-XXXX, VA without notifying anyone of the lawsuit that was brought against and the order that was signed. C & F Mortgage Corporation, its officers, employees, agents, assignees, and successors as well as other participants in concert then proceeded to take action against those parties of interest in a derogatory and immature manner. ( Statements attached ) My statement includes information about restitution and whether or not an organization should restitution on my or our family behalf and at this time, I, XXXX XXXX XXXX am indicating " No. '' My response includes the fact that I have been affiliated with the XXXX before, however, after reviewing the participant that entered briefs, it has been determined that the former XXXX President filed a brief in the " XXXX '' case in which was heard by an XXXX XXXX Judge ( XXXX XXXX XXXX ). The mission of the XXXX is to protect people of XXXX against discrimination and in this case, the organization did not do so well at doing so. As a matter of fact, the " dumbing '' down of indicating it is " janitorial favoritism '' as if a janitor or other low profile individual ( s ) would receive the same amenities as a prominent individual as " XXXX '' is absurb, however, it might would be a pacifier to give a less prominent individual an amenity to disguise racism for someone trying to show that they are not XXXX, even if their race is XXXX XXXX. Again, the XXXX injured some self-sufficient and/or prominent XXXX XXXX   individuals when they drafted that brief, who are actually innovators and successful in their own right and right here in their own communities for some individuals who suppressed XXXX XXXX   progression in many arenas and painted the picture that success was better represented corruption. Despite the XXXX efforts to include or integrate other races and specifically XXXX  in to the XXXX, the mission and still focus is to advance people of XXXX in society, not aid in suppression, oppression, and degrading our XXXX XXXX leaders of notable and successful stature. The XXXX may represent people that live off of others income and success, however, I was never on of them. The community ( s ) we live in aid these individuals of all races enough with public assistance and housing vouchers. However, I and many prominent XXXX XXXX are not them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: RoundPoint Mortgage Servicing LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home mortgage has been with Roundpoint Mortgage. 

In XX/XX/XXXX, I paid {$270000.00} in addition to my monthly payment. That brought my loan to a total of just over {$2000.00}. 

Roundpoint turned off my autopayment without notifying me. They called to say I was late on my XXXX payment. This was a surprise. I requested the payoff letter. Roundpoint provided the  payoff letter. I then completed payment of the remaining balance for {$2100.00} per the payoff letter instructions ( removing the XX/XX/XXXX late fee amount per the customer service rep 's instruction - as she entered a request for it to be waived on XX/XX/XXXX ), going directly to XXXX XXXX XXXX to complete the transaction on XX/XX/XXXX. 

Roundpoint Mortgage continued to call, stating that I was delinquent in payment from XX/XX/XXXX. I then submitted to Roundpoint the transaction receipt from XXXX XXXX XXXX as payoff proof and requested that Roundpoint research this matter on XX/XX/XXXX to the email account that one of their customer service agents suggested. Roundpoint Mortgage sent an automatic receipt of reply, and they also sent a paper letter stating that they were reviewing this. 

To my ongoing surprise, Roundpoint continues to call me multiple times per week stating that I am delinquent in payments from XX/XX/XXXX. I received a letter dated XX/XX/XXXX that I am in default in the amount of {$4700.00}, which is greater than my remaining balance prior to payoff. 

Today I spoke with customer service at Roundpoint Mortgage. The agent was very helpful. He found my previous correspondence along with the payoff receipt, and apologized for the issue ( it is unclear why research was dropped ). He said he will work with accounting to locate the wired funds and reconcile payment for the remaining balance. He said he would follow up with me on this accounting issue. 

My concern is that I have spoken with multiple agents at Roundpoint Mortgage, the ball has been dropped more than once, and my credit is being threatened. 

I would like Roundpoint Mortgage to show that they have not inaccurately reported delinquent payments against my credit. 

Thank you for any help you can provide in this matter

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 2018-01-11
Company: RLB Texas Auto Center LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
in XX/XX/XXXX i requested for my pay dates to be changed. XXXX asked for me to send over proof of my pay dates. i did that. i asked her if my payments could be every month, she said the only way she could do that is if i make a months payment. i made the {$500.00} dollar payment. ive paid the {$500.00} payment in XX/XX/XXXX and XX/XX/XXXX. now onXX/XX/XXXX they turned my car off XXXX stated that i needed to make a {$250.00} payment inorder for my car to be turned back on because XXXX was out of the office. i then asked to speak to a manager. she stated that she would turn my car on and that i needed to call back the next day to speak with XXXX, the person i initially made the agreement with. a verbal agreement is just as good as a written agreement. on XX/XX/XXXX they turned my car off so i called XXXX and tried to see what was going on. XXXX stated that she never agreed to anything like that, she also stated that i would have to make a " good faith '' payment of {$150.00} in order for them to extend the rest of the payment for the XX/XX/XXXX. she was very rude and wouldnt let me get a single word out. she just kept denying the agreement. and my car is off.

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 2019-07-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
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 balance transfer

Complaint:
On XX/XX/XXXX of this year I initiated a balance transfer on a new HSBC credit card that I had acquired. One month later Chase hadn't received any check from HSBC, so I contacted them to resolve the issue. They urged me to wait a couple more weeks, which I did, but when my first payment was due and XXXX still had not received a check I contacted HSBC again to potentially cancel the balance transfer and revise my minimum payment which was due, since I was now carrying a balance of {$1900.00} on both credit cards. I called 4 times and each time I was told I would receive a call back from an HSBC agent within the week. I never did. Finally I approached an HSBC bank manager who claimed to have cancelled the check and had a new check sent out to XXXX. XXXX never received it. It was now the first week of XXXX, over two months since I had originally initiated the balance transfer, and HSBC had now filed a late payment charge on my credit report. I paid the minimum amount due to resolve any further issues and had them cancel the check and the balance transfer. Without my authorization they closed my account, and now both the late fee and the closing of the account have severely affected my credit score. When I inquired how I could dispute the late charge they told me to contact their " customer relations '' line. I left 4 voice  messages and never heard anything back. This is by far the worst experience I've ever had with a financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am a Home Depot credit card user I do not get a paper bill only online email notifications of payment due I do have a balance which I noticed after viewing activity there is a fee called Balance Protection which I knew nothing about, when I called the number listed I was told I purchased the protection which I informed the agent I had not as it made no sense to pay for something I am able to make monthly payments on with out the need of balance protection, I requested a refund for the fees charged for something I did not need or purchased I was inform I would receive a refund. On a letter dated XX/XX/XXXX I was informed that since I purchased this on XX/XX/XXXX and my account was protected by the program benefits no refund due I canceled the protection prior to this letter. If I had known I had this protection I would certainly have used it while I was out on sick leave for 9 months in XXXX till XXXX but I made all my payments with out any help as I didnt know I had this protection. Im not sure how I was enrolled as I did not knowingly add more debt to a store credit card with a high interest rate as it is. Any help with this issue will be greatly appreciated thank you

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 2018-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
CapitalOne is requiring current customers to verify income and employment status prior to accessing its online account information. The text below appears, along with other text, after logging on. There is no option to skip this step. I do not want to disclose this information nor am I required to disclose it, but CapitalOne makes account access impossible without disclosure and acknowledgement that the information is correct. They did the same thing a few months back. I called and complained and soon was able to log on without disclosing this information. 

" Income and Employment We use income information for ongoing card account management purposes, which may include consideration for a future credit line increase. 
Total Annual Income* You may include : 1. Personal income, which is income you have earned, including full-time, part-time, or seasonal jobs, self-employment, interest or dividend, retirement, and public assistance. 

2. Shared income, which is money from somebody else that is regularly deposited into your individual account or into a joint account that person shares with you. If you are 21 or over, you may also include somebody else 's income that is regularly used to pay your expenses. 

*Alimony, child support or separate maintenance income need not be revealed if you do not choose to have it considered as a basis for repayment. 

Employment Status Employed Open or Close Dropdown Continue By clicking on the " Continue '' button above, I acknowledge that all of the information above is accurate. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am a XXXX % XXXX XXXX Veteran, living on a fixed income. After completing my service time in XXXX, I have had to have numerous XXXX   that have deemed me unable to work. I have had this item that shows as XXXX with a balance reporting of {$2600.00} charged off, on my credit report. In XXXX of XXXX- I reached out to all and any creditors and made them of an upcoming XXXX on my shoulder, due to a XXXX injury in XXXX . I am quite positive that all credit accounts also included the fee of " XXXX insurance ''. However, when the time came- no one knew anything about anything to help me in a situation that I became XXXX from serving our country. I call the number and no one can give me any info and only points me towards " XXXX XXXX ''. This company is actually showing a balance over {$600.00} more. I got nothing telling me a charge off was being placed and the company will not verify anything for me, nor allow me to resolve the issue. I only want to validate a debt and try to find a way to settle it, so that my credit is not tarnished. I was unable to pay anything, waiting for my SS XXXX to kick in but this account would have been paid through XXXX protection on the account, as it was that exact circumstance. I dispute through the credit bureau and get nothing. I call and am told nothing. I just want a resolution and XXXX XXXX refuses to even look into me becoming XXXX and contacting XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I attempt to get free annual credit report and unable to get it online. I called XXXX and number provided on website the department is closed when hours are XXXX - XXXX EST. I always have a problem trying to get my free credit report. I need help.

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 2018-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I attempt to get free annual credit report and unable to get it online. I called XXXX and number provided on website the department is closed when hours are XXXX - XXXX EST. I always have a problem trying to get my free credit report. I need help.

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 2021-08-04
Company: EQUIFAX, INC.
State: MI
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:
An account on my credit report is stating that I have a past due balance and it's reporting negative on my report. The account has been paid off for months now but it's still reporting negative. I call the company that was handling the account and they looked into it and see that I don't owe anything so they sent me a dispute package and I sent it back with all documents that they requested about 2 months ago. I checked my report just recently and the account is still reporting negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I attempt to get free annual credit report and unable to get it online. I called Equifax and number provided on website the department is closed when hours are XXXX - XXXX EST. I always have a problem trying to get my free credit report. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: Torriere Holdings INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Called repeatedly the number provided ( XXXX ), trying to reach a representative at XXXX XXXX XXXX XXXX, XXXX. Phone continued to ring with no one answering. Trying to resolve a issue with receiving a recent phone call from someone trying to collect on behalf of XXXX XXXX XXXX. After speaking with XXXX, they stated the file was sold to a third party. Reached out to the third Party, XXXX XXXX XXXX and they responded as not being in business and the debt was returned to XXXX XXXX XXXX XXXX, XXXX. Not sure of what's going on but I need some answers of who placed a call to my cell phone collecting on behalf of XXXX XXXX XXXX and requesting me to settle a debt owed for {$2000.00}. The individual went on to say that a civil complaint was in process as well as a judgment. So far no one is willing to own up to the phone call made to my cell phone on last Thursday ( XX/XX/2019 ) regarding this debt they say I owe. So again, I need a verification of debt in writing from XXXX XXXX XXXX XXXX, they say I owe.

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 2018-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Capital One Bank has mailed several applications for credit cards and loans to my home under someone else name ( XXXX XXXX ). I have established contact with their representatives via phone to inform them of this and also requested that they stop since this is a easy method to steal someones identity. 

The last time I contacted them I requested documentation stating that they would no longer send pre-approval mail to my home. The representative stated that it was not possible and as I mentioned I am still receiving mail under for credit offers to my home with the addressed to XXXX XXXX. It is clear to me now that this financial institution has rules or processes in place to truly protect personal information of it's customers and they should be held liable in their failures to protect personal information current and potential customers I received another pre-approval letter addressed to XXXX XXXX yesterday. I'm not sure what else to do at this point. I've also attempted to mail them back via United States Postal service using RTS ( return to sender on the envelope. ) They often get sent back to me again. I had this happen twice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-11
Company: DISCOVER BANK
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
ALERTS & HISTORY DISCOVER BANK obtained a copy of my XXXX Credit Report. 
Alert Date:XXXX2017 Source : XXXX Company : Discover Bank Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX phone number : no Phone number prone number ..DISCOVER BANK is in violation under the federal and state law, have NOT allowed discover bank to go into my credit report as a result of a loan or credit application. 
ILLEGALLY OBTAINED A COPIE OF MY XXXX  CREDIT REPORT. 
I have not givin Discover Bank permission nor i have not put in an application for any loans. im on XXXX .XXXX XXXX XXXXXXXX. this is my 3rd or 4th times this is and has happened ..intent to commit fraud to get my pvt.information that causes Idenity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: Experian Information Solutions Inc.
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:
I have filed disputes with Experian for credit validation/verification. I just received a letter yesterday XXXX/XXXX/19 from them stating they will not re investigate my disputes with them on my negative accounts. I have sent them XXXX letters so far though XXXX certified mail regarding these disputes XXXX/XXXX/19 and XXXX/XXXX/19. Under the Fair Credit Reporting Act they are required to re investigate. Also I have ask for proof of debt and how they have verified this debt. They have failed to show me adequate proof that the debt is mine for example : original contracts for these negative debts and XXXX collections

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 2019-09-19
Company: Rocky Mountain Capital Management
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/XXXX I was contacted by a restricted number twice. ( XXXX ) I didn't answer. The same number called my wife 's phone and she answered. It was a man asking for me, when I came to the phone he shouted : " what happened yesterday? '' I didn't know what he was referring to. He then went over all of my information ( ssn, name, birthday etc ) said that " I missed my hearing yesterday and he will be stopping by. He gave me a number to Rocky Mountain Capital Management and said that he will be calling in an hour to see if I resolved this. It was a debt for XXXX XXXX loans. He made it seem like he was Marshall XXXX from your county. Through research, I found out his name turned out to be XXXX and he is not a marshall by title. 

I called the XXXX number ( XXXX XXXX XXXX XXXX ). No one ever said that " this is an attempt to collect a debt ... '' They were very hostile about providing me proof of my debt. They said they had been sending notice after notice to my home and via email. He said that he would have to contact my county every time an email is sent, and so he can't keep sending out emails. I demanded an email and settlement offer over and over but I refused to give any payment information. Finally, he sent one to my email. This proves that if they had been, I would have received the " others ''. They also had my current address so if they sent countless letters, I'd have " those '' too. I also know that there is a process. If the county wanted to send me notices or have me come to court, I'd know about it. It wasn't until I threatened legal action that he got off the phone. I contacted XXXX XXXX   directly and they sent me to the company that they sold it off to ( Rocky Mountain ) and they were not pleased to hear about the XXXX group using these tactics.

Company response to consumer: Closed with explanation