BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-26
Company: OVM FINANCIAL, INC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX XXXX I closed on a FHA loan originated by OVM Financial. However, I qualify for a VA Loan. XXXX XXXX completed the application and also XXXX XXXX. The response was very defensive and removed from ownership of the error. As a result I contacted XXXX XXXX of OVM and shared that the military question was incomplete on the app. Now it 's going into XXXX and still not resolved. I finally received an offer that takes me from my current loan balance of {$300000.00} to {$320000.00}. I 'm currently in a FHA with a life time MIP which is an additional {$210.00} for the life of the loan. I served my country and earned the privilege to utilize VA Loan. I 'm XXXX and in the home that I consider my final purchase. I even pulled from my retirement to put down {$12000.00}. I feel like I 'm getting the run around and seeking help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: STERLING JEWELERS, INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I was contacted by a company called XXXX XXXX XXXX. I was told that there was a court case against me for larceny of property for a XXXX XXXX credit card account that has been closed since XXXX. I was told I needed to send {$500.00} by XXXX on XX/XX/XXXX or there would be a warrant placed for my arrest. I had not received any communication by mail prior to this phone call nor did I receive any other phone calls prior except for a phone call that was placed to me on XX/XX/XXXX which I thought was fraudulent. I also received a call coming from my county courthouse and was told I would need to contact this creditor or I could have a felony charge on my background.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: EQUIFAX, INC.
State: CT
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:
I monitor my credit report and score with all 3 credit bureaus. I believe my credit report and score is unfairly scrutinized and calculator. I pay all my bills on time and according to the reporting agencies, my score is updated twice every month. However, that is not the case. I am working on a payment plan with one credit card company and it turned out I had one missed payment. Suddenly, the reporting agency decided to update my score and take away XXXX points! They suddenly did this as soon as they received information about the one late payment, but never gave me credit for always paying my bills on time. That is very discriminating and should not happen to anyone. Now, I do not know what to do to fix this. This mainly applies to THE BANK IS XXXX XXXX XXXX XXXX XXXX. I fear this is tearing down a person who works hard everyday to pay bills on time and do things the right way. Destroying my credit like this is a path to destroying my future endeavors that I am working towards. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: Ability Recovery Services, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt with Ability Recovery Service was open in XXXX. I filed three credit disputes via XXXX  on XX/XX/XXXX, XX/XX/XXXX, and again in XX/XX/XXXX. At the second dispute, the creditor agreed to closed the account and dropped it off of my credit report for 2 months. In XX/XX/XXXX, when I checked my report, and it reappear for a more recent date of XX/XX/XXXX causing my score to drop. According to the Fair Credit Reporting Act, this act is illegal and I can file a suit, especially since it is affecting my ability to buy my children and I a house.

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: Experian Information Solutions Inc.
State: MO
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 wrote this company a letter after looking at my credit report with fraud information they have failed to remove these fraud account or even investigate my dispute with proper documentation. I have sent them a notary from the federal trade commission. They failed to even investigate this manner

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: EQUIFAX, INC.
State: MO
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 wrote this company a letter after looking at my credit report with fraud information they have failed to remove these fraud account or even investigate my dispute with proper documentation. I have sent them a notary from the federal trade commission. They failed to even investigate this manner

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: American Acceptance Co., LLC
State: PA
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:
XXXX. Was paid today. Quoted a payment of XXXX by XXXX, XXXX and now XXXX quoted by XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-01-16
Company: Coinbase, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sent two wire transfers of {$500.00} and {$2500.00} to Coinbase ( coinbase.com ) on XXXX and XXXX, respectively. These transfers were supposed to clear in 1 day. However, despite a week passing and three emails to their support, the money is unavailable. My contacts have been unanswered thus far. 

Coinbase account : XXXXXXXXXXXX Wire transfers info : Item # : XXXX Amount : {$2500.00} To : Coinbase, Inc Fee : XXXX Service : Next Day Item # : XXXX Amount : {$500.00} To : Coinbase, Inc Fee : XXXX Service : Next Day

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: NATIONWIDE ADVANTAGE MORTGAGE COMPANY
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off my loan for my home on XX/XX/2019. I was told and received papers letting me know the escrow amount would be held for 20 days incase there were payments which had to be made. After 30 days I called to see what was going on and was told a check had been mailed to me on XX/XX/XXXX. I did not receive a check. The lady told me to call the following Wednesday if I had not received it yet. I called and a man told me they only issue checks once a month for escrow and that they would be sending me another check on XX/XX/2019. Today is XX/XX/XXXX. After waiting 2 hours on the hold on the phone I talked to XXXX who told me a completely different story. She said they had mailed the check on the 15th and had to wait 30 days to mail another check. She told me to get back with them on the 18th if I have not received it. I asked if there were another place that I could contact them rather than the phone because I was on hold for 2 hours. She suggested the web site which I have been on for about an hour, it has no information about my escrow. I feel like I am getting the run around from this company. I get a completely different story from everyone I talk to. The only thing they all have in common is that they want me to call back. She also said if someone cashed the check they cant reissue it. Now I expect them to say it was cashed so they don't have to refund my escrow. If I used the same excuses they did my credit would be horrible. It is just a wild goose chase from Nationwide.

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 2021-04-14
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: Public record information inaccurate

Complaint:
Hello I'm XXXX XXXX submitting this complaint reference to XXXX XXXX XXXX. I've tried over and over to dispute inaccurate information. I have proof from XXXX XXXX regarding the unhealthy living environment me and my family was in. In addition to this I will be filling a complaint with the state about this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Friday, XX/XX/XXXX, I discovered 2 unauthorized atm transactions on my account. 

Upon learning about these transactions, I contacted Chime customer service. I spent nearly an hour on the phone, between waiting and being transferred. When I spoke to an agent, I indicated that these transactions were not authorized and told them that this wasnt the first time this had happened with my Chime bank account. On XX/XX/XXXX, 2 similar transactions were posted to my account. One was {$300.00}, and the second was {$380.00}, for a total of {$680.00}. Chime investigated and determined that there was an error ; they credited my account for the balance of those transactions. 

On XX/XX/XXXX, the agent asked several questions regarding my account and transactions, which I answered honestly. The agent then advised me that Chime would be disabling my debit card to prevent further fraud. I told the agent that I believed that this was not an actual ATM transaction, and that I believed that this situation was similar to the XXXX transactions as I had not received an alert from Chime notifying me about either set of transactions. The Chime app alerts me to all transactions. I will often receive an alert before I leave the store where I made the purchase or processed an ATM transaction. 

Per the documentation I received today about these transactions, Chime has determined that this was not an error for the following reasons. 

Chime asserts that because I had possession of my card at the time of the transaction, and memorized the PIN, then I might have taken my own money out of the bank. 

Chime also argues the withdrawls are consistent with my banking behavior. They didn't acknowledge that large ATM transactions are rare on my account, or that I only visit free Chime ATMs, and specifically one in my neighborhood. Additionally, they argue that because there were no declined transactions on this debit card after these unauthorized transactions, then I must have already known what the balance was. 

This could be easily checked by confirming when and where I logged into the app to check my balance. I work remote, but I was working at my friends apartment so that I could feed his cats while he was out of town. I was sending emails at the time of the transactions, and the door man can attest that I was inside the apartment at the time. I was hungry, so I stepped out to eat. As I was not in my neighborhood, I checked the Chime app to locate free ATMs ( I only use Chime free ATMs ). That is when I discovered missing funds. 

Chime has indicated that the matter is closed unless I can provide new evidence. I can not afford to take a hit for {$620.00}. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
lost job an try to bounce back on my feet. my lawery suggested me to this site BKPT CT IL XXXX XX/XX/XXXX Type Bankruptcy chapter XXXX-dismissed Reference XXXX XXXX XXXX XXXX opened XX/XX/XXXX {$380.00} XXXX XXXX XXXX opend XX/XX/XXXX {$13000.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-12
Company: Square Inc
State: CO
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:
I received a debit card in the mail ( Cash App through Square ). I did not apply for it and have a block on my credit to not be able to open cards in my name. The card is through XXXX bank. When I reached out to the Cash App support there is no way to get ahold of anyone in any way, no email, phone says call volume too high and won't take calls, and request for code to login is also not available.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This account is XXXX, I never give anyone permission to pull my 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 2019-09-05
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Autopay was set up, the {$500.00} card is paid in full, not sure why late payments are showing on my account and it was closed. I would like these late payments to be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX XXXX ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX sent me a letter on XX/XX/17 in attempts to collect a debt from a debt collector. This letter did not include a statement describing my right to dispute the debt as per FDCPA guidelines. 

The letter also stated " the total balance on the day you pay may be greater as a result of fees and interest that continue to accrue. '' This does not comply with the FDCPA 's requirement that debt collectors clearly state the amount of debt. By failing to provide additional information such as the interest rate, date of accrual, and nature of any added fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-11
Company: JPL Recovery Solutions
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
The person calling Identifies himself as XXXX XXXX from JPL. Would like to talk to me about legal matters. He has been calling and harassing my family members, sons, parents, my sons girlfriend parents, my ex wife and so on wanting personal information about me. He keeps persistently calling when told not to and threatens to keep calling everyone related to me or friends of mine until they tell him the information he wants about me. I have not received any mail Correspondence regarding this business. I feel this is beyond harassment. This company should be shut down! I dont even know if its a legitimate company or some kind of scam. The phone number that has been calling : XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is attempting to collect a debt that is not mine, also they have negatively posted on my credit reports, I ask for validation from the credit bureau as well as midland and received nothing yet the post is still listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Experian Information Solutions Inc.
State: IL
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:
I viewed a copy of my credit report and noticed that it is reporting a late payment of 30 days for XX/XX/2021 and we are still in XXXX, and not only that I was never late in XX/XX/2021 yet this bureau is reporting my account with a late for 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 2018-01-11
Company: FBC MORTGAGE, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I purchased a home and received financing through XXXX XXXX XXXX in XXXX of XXXX. My mortgage was then sold to FBC Mortgage , LLC at the end of XX/XX/XXXX. Then, without me knowing, FBC Mortgage LLC sold or transferred my mortgage to XXXX XXXX XXXX and Reporting. I NEVER received anything in writing that my loan was transferred from either FBC Mortgage LLC or XXXX. 

Furthermore, I qualified for a 3 month deferral on my mortgage payment because I live in a federal disaster qualified area ( Hurricane Irma ). I called in and spoke to who I thought was FBC Mortgage LLC, but who I have now determined to be XXXX, and was told on XX/XX/XXXX by a rep at XXXX that I qualified to have the 3 months of payments added on to my loan, and that I would not have to make those 3 payments after the 3 month deferral period. I then received a letter in early XXXX of XX/XX/XXXXstating that I did not qualify for a loan modification and would need to bring my balance now in full ( pay for the 3 months of deferred payments, plus present month 's payment ). There are a number of issues with what has taken place here. FBC never notified me, and by law are required to. And the rep at XXXX flat out lied to me on the phone. I thought that I was all clear on the 3 months of deferred payments and would not need to pay those now, and as a result, based on what the rep told me, i used that money to pay down other debts. Thank you for your concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
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: Account status incorrect

Complaint:
please find attached the creditors letter for which they have approved of the delinquency being inaccurate for my XXXX  accounts ( letter attached ). 
i have already received approval from the creditor to have this inaccuracy removed therefore please help to have the credit reporting agencies remove these negative marks as well 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 2021-02-18
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
credit card company : CITI Cards / Best Buy Visa XXXX Acct Number ****** XXXX XXXX XXXX XXXX XXXX ) XXXX The Merchant, XXXX XXXX, retained my credit card information from a prior purchase without my knowledge and charged a " surprise '' an unauthorized transaction to my account on XX/XX/2020 in the amount of XXXX. There was never an agreement or permission for future charges with this company which is about 800 miles from where i live. I have had no reply from the merchant to remove the charges. The credit card company has failed to find favorably on my behalf even though I reported the unauthorized and fraudulent transaction timely and it writing. The Credit Card company has told me on the phone they will resolve it, but then in writing tells me they find me responsible without explanation. The one and only transaction with this company was on XX/XX/2020 in the amount of XXXX which has a signed charge slip that has been notarized. No other transactions have been signed or authorized. The guidelines simply state in matters such as these, the credit card must find favorably for me. Please instruct the credit card company to remove these unauthorized charges from my account without penalty or delay. No request has ever been made from merchant and emails have gone unanswered. 

Additionally, copies requested of all paperwork have not been forwarded to me. As such, dealer and finance company have not properly disclosed regulation Z. 


XXXX XXXX

Company response to consumer: Closed with explanation