BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-23
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Since initial complaint was filed on XX/XX/XXXX, I received a email from Mark I, Executive Office of Customer Advocacy for Discover Bank. That was on Friday XX/XX/XXXX. I have heard nothing since. I have emailed him 3 times ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) - No Response. Still no communication or access to MY IRS REFUND that was deposited via Mobile Check Deposit. 

CFPB has let this fall through the cracks - nothing done - and since my initial complaint - ZERO progress!! 

Here is what I initially sent in ... Regarding account ending XXXX - Jnt with My Son. 

On XX/XX/XXXX, via MOBILE Deposit, I scanned and deposited MY IRS TX REFUND CHECK into MY Discover account ending in XXXX. Two days later, my account was locked and I have been unable to access my account. Can not log in online, can not call in, as I get redirected to some RUDE people, who will NOT tell me anything. They continue to tell me that my account was closed on XX/XX/XXXX, and that I would receive information or any money in the account after 60 days ... .UMMMMM WHAT?! I never received a letter, a call, email, fax or any communication from Discover Bank, in reference to my deposit being held, my account being frozen or ANYTHING. When I call in, I am told that - you have to wait, and there is nothing I can do about it - - I have the recording ... .RUDE! Well - as of XX/XX/XXXX - 60 days would have been XX/XX/XXXX or so. So I called again, SAME THING ... .RUDE, no answers, telling me to basically kiss off my account and MY money ....!!!! SOOOOOO Done .... If they claim ( LIARS ) that they sent me something in postal mail, I want copies - again I want proof they sent me something ... Their actions are punitive, and I want my funds WIRED into another account I designate ... .IMMEDIATELY - I quite prepared to take this to court ... .My refund check was in excess of {$15000.00} - I also want all the interest they earned off MY MONEY - want all detailed accounting, showing what THEY earned from my money, and XXXX. Interest rate they will claim I earned. I consider what they are doing as misappropriation of funds, embezzlement and other major infractions. I want IMMEDIATE RELEASE of my money - wired - NOT BY PAPER CHECK - WIRE OR EFT/ACH ONLY - to an account I designate, within 3 days of receipt of this complaint. PERIOD ...! I have attached the letter I forwarded to the IRS along with other documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a {$5000.00} collection letter from a collection company that mission real estate out of XXXX California sent them. I left an apartment in XX/XX/XXXX with nothing owed and received a {$5000.00} collection letter in XXXX almost 3 years after the fact after coincidentally getting into an argument with the manager at XXXX XXXX XXXX. This is a fraudulent {$5000.00} debt and has no merit this collection was done to me out of spite because they know i can't afford an attorney and this collection company " HUNTER WARFIELD '' out of XXXX Florida is fraudulent why else would a collection from XXXX, ca be sent to Florida? I'm sure nobody else would but this collection because there is no reason behind a {$5000.00} bill. Its kept me from being able to rent anywhere this year when i started looking for housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
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:
these accounts were fraudulently opened. this is stopping me from obtaining credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: World Acceptance Corporation
State: AL
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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: EQUIFAX, INC.
State: CO
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:
My Equifax credit report was recently downgraded by 152 points ( it was above the 800 ) with no apparent reason. Trying to communicate with Equifax to find out the reason has been a cross between a nightmare and a joke. I can not get anyone who speaks clear English and all they do is argue that they are speaking English ( at least I think that is what they said ). I want to make contact with a clear speaking person I can understand and find out why they have my credit rating so low. Their customer service stinks ... .they just argue and argue with me about what a good job they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: Aldridge PIte Haan, LLP
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This account is not my account or a debt that I owe. It doesnt show up with other credit bureaus only XXXX. Ive settled one debt with them already which they threatened to sue me and tried to serve me papers if I didnt set up a payment plan with them. They have never mentioned this other account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: BARCLAYS BANK DELAWARE
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:
I dispute and request investigation with late payment reported by Barclay. On the billing cyle for XX/XX/2020, I called Barclay on XX/XX/2020 and requested a payment deferment due to the Covid19 pandemic. Barclay agreed to defer my monthly payment with no late fees or late payment reporting. In the process of home, refinancing my lender notified me of the late payment reporting. I request from Barclay. 
I want Barclay to honor their payment deferment, and to remove from my credit report the late payment reporting. I can be reached at XXXX. Please feel free to call me with any questions.

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 2020-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2020, Capital One credit card company sent me an email reminding me that my credit card payment was due. It offered me to make the payment due that day by clicking a send payment button. It was quick and easy and I have used this service before without a problem. 

Problem 1- The Capital One credit card payment was being taken from a Capital One checking account that I had closed XXXX  years ago. 

Problem 2- The payment was returned and I was charged the high-interest rate on my {$3100.00} balance credit card balance along with a late payment fee.

This was definitely a fraud and requires attention as I did not even have this OLD checking account as my payment. History will show that I had been using my XXXX account which I had since the XXXX. 

Submitted are the email and last year of payments to Capital One credit card from a bank different than the one they offered payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Reviewed my credit report last month and is showing ( JPMCB ) as reported balance of {$4100.00} with all National Credit Bureaus. In the past I have requested validation of this alleged account of which I have yet to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
received a call from XXXX XXXX XXXX Portfollio Recovery. After they had been advised not to call my cell number in regards to a debt that was included in a bankruptcy from a divorce in 2014. They call 7 times from this number then 4 blocked calls then 3 unknown until I picked up. Then they proceeded to threaten me with arrest call be a XXXX XXXX XXXX XXXX and tell me they were issuing an arrest warrant since I was a XXXX XXXX XXXX. 14 calls and verbal abuse and threats after I told them not to call the cell.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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  has reported me to the credit bureau for non payment of my XXXX payment. They also said that I did not pay my XXXX payment however I paid these payments on XX/XX/2021 and XX/XX/2021. They were both refunded back to me without my knowledge 4 days after each payment. I have since caught up the account, however, I should not have to be punished for something that was not my fault. I have never changed the way I make this payment. I have had this account for many many years and have never had a late payment. I have never even had a late payment on any other account. I care about my credit and have always had excellent credit. I would like for XXXX to fix this problem and my credit to be fixed. Please help me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Ocwen was the loan servicer of my loan. Ocwen then sold it to  XXXX   XXXX , who gave me a trial payment plan. I went to the lawyers who represented Ocwen, but they will not cancel the eviction scheduled on my home, even though they no longer own it, and I am in a trial payment plan. They have extended the order of possession, even though Ocwen is no longer the owner of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Coinbase Pro allowed someone to hack into my account and steal my money without verifying identity. I have lost over {$10000.00} as the account is locked and I can not get access to prove the money belongs to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-14
Company: Netspend Corporation
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I spoke with representative XXXX and she advised that I open new complaint as a result of new information for closed claim XXXX. 

Within a few days of the complaint, a policy change was sent by Netspend. I am believe this policy change addresses a nearly identical scenario described within my complaint. I emailed details to customer service, corporate representatives and the CEO of Netspend. 

NOTICE OF IMPORTANT CHANGES TO YOUR ACCOUNT Update # 2 : In the Your Liability for Unauthorized Visa or Mastercard Transactions section of your Account Agreement, weve updated the Visa Zero Liability Policy to the following : If your Card bears the Visa acceptance mark, under Visas Zero Liability Policy, ... 

... your liability for unauthorized transactions on using your Card is {$0.00} if you notify us immediately and are not negligent or fraudulent in the handling of your Card. 

These provisions limiting your liability do not apply to debit transactions not processed by Visa or foreign ATM withdrawals. 

I respectfully request additional investigation. 

Thank you for your assistance & support regarding this matter. 

Sincerely, XXXX XXXX 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 2020-03-23
Company: Rocket Mortgage, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On Friday, XX/XX/2020 we refinanced a home mortgage with a new company, therefor paying off our mortgage with Quicken Loans. Our mortgage payment for the month of XXXX would be due on Monday, XX/XX/2020. On the XXXX I received an email from Quicken Loans regarding a late fee by end of day. Our new loan was scheduled to pay off Quicken on the XXXX or XXXX. I promptly called Quicken in response to the email, which I had already planned on doing that day before the email, and spoke with XXXX in regards to the email, explaining the situation and concerns about our payment being late, caught in the midst of the payoff. She told me that since I had never requested a late fee waiver, that I could call when I got notice of the late fee and it would be waived. I did not receive a notice of the late fee, and our new loan paid out to Quicken on XX/XX/2020. I called on XX/XX/XXXX, to request that our escrow be direct deposited. I also asked if there had been a late fee charged and was told that a late fee of {$67.00} had been charged and would not be refunded to me. I was turned over to XXXX XXXX at XXXX. I again explained all of the above and she proceeded to tell me that I would not be issued a refund of the late fee. I was on the phone for at least ten minutes discussing the issue, explaining the situation and asking why it would not be allowed to be refunded. Her best response to me was that once it was in escrow and paid out, it could not be refunded. I find that utterly senseless and during these times shameful. We are small business owners and have, as so many others, been affected by what is today going on in the world. The conversation ended with XXXX refusing to do anything more and that I would not be issued a refund by Quicken, pretty much end of conversation. Shame on Quicken for not having more understanding and not attempting to assist me in any way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Greetings, Im writing to you regarding a violation committed against me by the Capital One Auto Loan Department. On XX/XX/XXXX, I attempted to appraise and sell my vehicle at XXXX 6 days prior to moving from California to another state. This is a vehicle that I refinanced with Capital One 15 months ago on XX/XX/XXXX. Upon refinancing last year, I had read on the Capital One website that they would handle the updating of my lien holder on the vehicles registration and I would not need to take any further action. 

However, on XX/XX/XXXX, after spending 3 hours going through the appraisal process and initiating the sale, I was informed by XXXX that they could not purchase my car. They explained that this was due to my vehicle registration not having CapitalOne listed as the loan company. My registration still had the previous loan company listed. Despite having refinanced with them over a year ago, CapitalOne neglected to perform a basic action that they claimed was a part of their services on the company website. 

Upon calling Capital One customer service regarding my inability to sell due to their inaction, I was informed that they could not update the lien holder on my registration until I faxed them a Power of Attorney representing the lien holder change. Per Capital One, the process of finalizing the update would take about 2 months. However, I was never notified by Capital One about the need to file a Power of Attorney since I refinanced with them in XXXX. Throughout the entirety of the past year, they had XXXX communication with me regarding any action I needed to take to initiate this process. 

It is urgent that I move promptly to care for my ill family members. The aforementioned hindrances to selling my car have prevented me from moving on the date I planned, XX/XX/XXXX. The earnings from selling the vehicle were to be a part of the necessary funds for my moving expenses. I am now required to decide between delaying my move and taking my car to a new state, which would add significant moving expenses. 

Capital Ones prolonged lack of communication and customer service have disrupted my moving plans and my ability to be there for my family in a time of need. In addition to making the life of myself and my family extremely difficult for the next 2 months, they informed me that I would still need to make full monthly car payments, including interest, to them for these 2 months. As a result of their apathetic approach and failure to keep me informed about the lien change process, I will be required to make 2 or more additional payments on a vehicle I no longer intend to use. Id greatly appreciate your correspondence regarding any disciplinary action that can be taken to address the companys dishonesty and financial exploitation throughout the loan process. 

Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I've had a few problems with medical collections accounts ( XXXX XXXX ) being the main culprit, where I'd try to dispute the information and they would just remove it. Wait a few months and then reinsert it into my report. This is constantly dropping my score, as they insert it as a new account rather than what the original dates were. 

Account : XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$710.00} Original Creditor : XXXX XXXX XXXX That is just the main collection that keep popping up. That is the hospital in Florida. I hadn't been seen there since XXXX, I moved out of Florida in XX/XX/XXXX. This is one of the few accounts that keeps popping up every few months, while I'm trying to rebuild by score and every 3- months it gets dropped 50-80 points because of this. I've tried asking for proof of the debt, and haven't received anything. I get no letters that a debt has even been placed for collections/reinserted into my report. 

Is there anything that can be done? I know collections agencies sometimes sell the debts, but I've noticed it's always been the same collection agency name, reporting it, just changing the " open date '' on the account. This has been a struggle for the past 3 years, and I've tried disputing it every chance I get.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Carrington Mortgage Services purchased my mortgage from XXXX XXXX XXXX and began servicing my loan on XX/XX/XXXX. At the time I had an open property damage claim due to Hurricane Irma. As of today XX/XX/XXXX, I have submitted all requested paperwork to them to have a check issued to pay 1 of 2 final draws to my contractor. The inspector that was assigned by Carrington came and inspected the home on XX/XX/XXXX and identified the home as 75 % complete in repair., and requested payment from the escrow on my loan. As of XX/XX/XXXX, Carrington still refuses to issue the promised draw amount which is in excess of {$11000.00}. They are holding over {$22000.00} of insurance funds, and will not release those funds nor will they explain why or request any additional documentation. As of today XX/XX/XXXX I have final inspection scheduled and their refusal to release funds have caused me to breach contract with my general contractor. I call Carrington on a weekly basis to check the status, and every time I call no one can provide an answer, and their response is always that it will take 5-7 business days to review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX XXXX Actt # XXXX claiming i owe {$6700.00} after paying on XX/XX/2020 {$2800.00} settlement agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Experian Information Solutions 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 status incorrect

Complaint:
As of XX/XX/XXXX my XXXX account is still being reported late on my Experian credit report from XX/XX/XXXX- XX/XX/XXXX. On my XXXX credit report the same account is being reported as ok. If they are pulling from the same creditor how is it that the information is being reported different. On my XXXX report it is not being reported at all.

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