BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-27
Company: Selene Holdings LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/20 To whom it may concern : I am behind on mortgage payments. The mortgage company has blocked my online access to my account. I am trying to file taxes, and can't access relevant tax documents. 
I've written and called the company at least eight times in the last week without a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Experian Information Solutions Inc.
State: NY
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 am a victim of identity theft, errors 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 2021-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I have a Capital One credit card and have been an excellent customer, almost always paying my monthly statement in full. I scheduled a full payment of my most recent statement balance of {$5100.00} due XX/XX/2021. After I scheduled the payment, I received a credit of {$19000.00} from a cancellation for a reservation of a cruise. It was posted to my Capital One account on XX/XX/2021, two or three days after the cruise company issued the credit. I attempted to cancel the scheduled payment of {$5100.00}, but the website would not allow me and the payment I had scheduled no longer appeared on my Capital One web page. As of XX/XX/2021, I had a negative balance, in other words a credit of {$18000.00}. And yet, on XX/XX/2021, Capital One deducted {$5100.00} from my checking account for the balance which was obviously no longer due! I spoke with several people at Capital One who told me there essentially was little they could do. They said they could send me a check in three weeks. As a senior citizen, I believe that Capital One thinks of me as a person they can take advantage of, who is an easy mark and may not have the mental capacity to oversee my personal finances. This practice is unconscionable. They were able to deduct {$5100.00} from my checking account in seconds when they already had XXXX of my money and would not allow me to cancel a payment. They should be able to refund the money to me as quickly and should not be allowed to accept payments from anyone if the account has a negative balance larger than the amount due. I am not in the practice of supporting credit card companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, My mother 's XXXX account got hacked. The hacker made it seem like it was my mother asking me for money. The hacker impersonating my mother said that they needed to pay {$400.00} to this person and that she would give me the money back. I always help my mother with things like that so I thought it was fine. I sent the money through Chase XXXX to an account and phone number that " my mother/hacker '' gave me. And after the money was sent, they asked for more money, so I did trying to help my mother. i ended up sending {$1400.00}. When my mother gets home I find out that it was a scam. after I got scammed the hacker hacked my XXXX account as well and did the same thing he did to me to all the contacts that I had in my XXXX account. I called the police and made a police report. I called XXXX and I reported the name and number under the account that the money went to. I called my bank Chase to report the incident and they said that they were going to do an investigation. After I made the scam report I sent them pictures of the messages that the hacker was sending to other contacts under my name. and made sure to let them know that I had made a police report and that I reported to XXXX the account. After a couple of days, Chase gave me a credit of the {$1400.00} and said that if they find out that the transactions are correct, they were going to take the money back. 

On XX/XX/XXXX, I received a letter from Chase, saying that the transactions were correct and that they were going to take the money back. Which means that their investigation was useless and are not going to help me retrieve this money after me giving them all the information I could about this incident. I tried my best to make sure and prove that this was not me and that I was scammed by using my mother. I've been a customer of Chase for MANY years and they are choosing to help this scammer keep scamming other people while keeping my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In preparing an official complaint through the FTC and the CPSA, I took a look at the complete history of billing statements made available on your website. 
To an extent, I recant allegations that Bayview/Community failed to apply advance prepayments directly to principle as required by the original not, HOWEVER ( my complaint will go forward, though modified ) It seems Bayview/Community altered my payment without my approval to accommodate 12 months of payments across 26 bi-weekly payments, thereby circumventing the prepayment clause. THAT IS A DECEPTIVE PRACTICE AND IS INTENTIONAL THEFT. unfortunately, I have no recourse for that. 
HOWEVER, it does appear that XXXX indeed did fail to apply advance prepayments according to the terms of the original note. Thus it became incumbent upon Bayview/Community as assignee of the note, to apply all accumulated prepayments to the principle as Bayview/Community assumed control of this account. 
Therefore, I now implore Bayview/Community to adjust the opening balance of this note as assumed by the total of advance prepayment accumulated. 
I do not care if that involves the reissuance of 1099INT or 1098 's ; none of that is my concern. 
I am moving forward with a formal complaint with a copy of this text.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The Mortgage company lied, reported me on my credit report for miss- 2 payments. They know I didn't, but won't remove the lie. My credit score has dropped and I can't refinance my home loan.

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 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
FTC Violations XXXXXXXX XXXX  {$1300.00} XXXXXXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$3000.00} Disputing Credit Card Charges Have you ever been billed for merchandise you either returned or never received? Has your credit card company ever charged you twice for the same item or failed to credit a payment to your account? While frustrating, these errors can be corrected. It takes a little patience and knowledge of the dispute settlement procedures provided by the Fair Credit Billing Act ( FCBA ). 
The law applies to " open end '' credit accounts, like credit cards, and revolving charge accounts, like department store accounts. It doesnt cover installment contracts loans or extensions of credit you repay on a fixed schedule. People o! en buy cars, furniture, and major appliances on an installment basis, and repay personal loans in installments, as well. 
Billing Errors ( # billing ) Exercise Your Rights ( # exercise ) The Investigation ( # investigation ) Complaints About the Quality of Goods and Services Inquiries - 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 2021-02-23
Company: Dovenmuehle Mortgage, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dovenmuehle serviced my mortgage loan from XXXX. Due to the pandemic, I requested a forbearance from XXXX to XXXX of XXXX based on lowered income and concerns about my employment. I began making payments in XX/XX/XXXX and continued to do so on time until my loan was transferred to a new servicer, XXXX DBA XXXX XXXX, on XX/XX/XXXX. 

As instructed by a Dovenmuehle representative, XXXX, I made full mortgage monthly payments to Dovenmuehle, on XX/XX/XXXX ( payment confirmation # XXXX ), XX/XX/XXXX ( payment confirmation # XXXX ), and XX/XX/XXXX ( payment confirmation # XXXX ) for XXXX, XXXX, and XXXX, respectively. I was told to make 3 months of payments on time to officially end my forbearance period and so I did. I made sure to do so PRIOR to the mortgage transfer on XX/XX/XXXX. However, the only payments showing in the attached document of my Payment History with Dovenmuehle are 2 payments dated XX/XX/XXXX. That is inaccurate. 

Furthermore, according to the attached documents, my Dovenmuehle account shows there was a payment due on XX/XX/XXXX, however my loan was still in forbearance at that time. This is also inaccurate. 

I wrote to Dovenmuehle to ask them to correct this information because the incorrect information was also shared with my new mortgage servicer, Mr. XXXX. They simply stated that they had shared the deferral letter but could not ( would not ) correct any other errors. It has caused a number of issues related to the correct amount owed currently as well as the end date for my forbearance as well as the amount which was deferred prior to the loan transfer/assumption.

After my correspondence to Dovenmuehle on XX/XX/XXXX to ask them to correct this error, they responded on XX/XX/XXXX, failing to address the stated inaccuracies on my record. Their response ( attached ) only addressed the sharing of the letter regarding my deferral with my new lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: STATE FARM BANK, FSB
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I called on XX/XX/XXXX at approximately XXXX XXXX. The call was placed through my insurance agent at State Farm and she connected me to State Farm Bank. State Farm Bank informed me that the call was being recorded. 
I informed the CSR that I had not been receiving paper statement and she said they don't send paper statements. I told her that is what I was calling about as I wanted to receive paper statements. She said I had to log into state farm online to receive my statement. 
I again told her I would like to receive my statement via mail and she said " we don't do that. '' She said she didn't know any loan provider who would you with a paper statement. I told her that XXXX XXXX used to provide me with one and again asked for a paper statement and she said they would not do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
Wells Fargo ADVISORS ARE XXXX AND XXXX. I OPEN A CHECKING, SAVING AND BROKEAGE ACCOUNT, THEN ALL OF A SUDDEN MY ACCOUNT IS LOCK BROKEAGE. I CALLED THEY SAID GO TO BANK FAX SOCIAL CARD. I DID IT STILL LOCK. I CALL AGAIN NOW THEY CHECK STUB RENTAL LEASE FOR ME TO OBTAIN MY OWN MONEY. I TOLD THE GUY I FEEL LIKE YALL TREATING IN A XXXX  AND HE SAID IT MIGHT JUST BE THAT. I HAVE NO MONEY OR HOLIDAY GIFTS. I REALLY TIRED OF THIS XXXX  XXXX WORLD WHERE XXXX SUPPOSE TO BE POOR

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 2019-01-05
Company: ALLY FINANCIAL INC.
State: PA
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:
The truck I leased was sold and Im still required to pay the full amount owed

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 2020-11-23
Company: Paypal Holdings, Inc
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX I received a letter from XXXX ( XXXX XXXX XXXX ) stating that they are contacting me about an account with PayPal that has been placed with their office for collection. My name is not spelled correctly on the document and my SSN is also incorrect. Ive tried contacting PayPal as well as this company, to no avail. I do not have a PayPal account and I do not owe them any money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
SCA Collections has reported four collection accounts on my credit report. Prior to these accounts appearing on my credit file, I did not receive a notice of my right to dispute them. They just reported them, without giving me an opportunity to contest these bills that were paid by my health insurance. Failure to provide such a notice is a direct violation of my federal rights, protected under the Fair Debt Collection Practices Act. SCA Collection is acting as an illegal collection agency, defying federal collection law.

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 2020-10-27
Company: EQUIFAX, INC.
State: PA
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:
To whom it may concern, My name is XXXX XXXX, I am writing to you because I have an issue with my private student loan company ( which is with XXXX XXXXXXXX  XXXX XXXX XXXX of XXXX XXXX I was speaking to a mortgage loan lender and she recommended that I contact this bureau or an attorney. Here is my situation- I have been in contact with XXXX XXXX XXXX XXXX since my loan is with XXXX XXXX XXXX XXXXXXXX XXXX XXXX I currently pay on this loan weekly. I have been told by the loan officer at XXXX XXXX that there is nothing that they can due as this loan is in a charge off state. It is not being reported that it is being paid on my reports. I have contacted the credit reporting agency and all I get back with them is that it is a correct debt. This is correct I did take out the loan several years ago. My payments are not being reported and it is still in a charge off state. I believe that the bank should be able to remove this from a charge off state or at least report that I am paying on my loan. 
Thank you for your time. 

Below is an email from the loan officer at XXXX XXXX XXXX XXXX. 
Hi XXXX, I am in class for the next two days, so unable to return your call. I got your message. Unfortunately, there is nothing that we can do to remove that negative debt from your credit report, When we talked before, I had explained that you would need to possibly find someplace that would be willing to refinance the student loan into a new one for you. We cant offer that because this loan is charged off from the XXXX XXXX that we work with. They wouldnt be willing to refinance it. 

I am more than willing to write something up stating that you have been paying on this debt weekly for a long period of time if the company you find needs verification that it is being paid. But, that is about all I can do for you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: EQUIFAX, INC.
State: NC
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 previously sent XXXX three dispute letters letting them know I was a victim of identity theft and to also remove the bankruptcy that was on my credit report that Equifax and XXXX have already removed from my credit reports. As a result of me being a victim of identity theft, I placed a security freeze on all three of my credit reports and also XXXX so I completely don't know how TransUnion is verifying that this account is accurate and it belongs to me because I also have a copy of the fraudulent identification card that's attached to that bankruptcy address that I never lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My car loan was on deferment due to Covid. Bank of America mishandled the re-payment process, very poorly. They failed to inform customers, they failed to connect the customer to the people to get additional help, they failed to even know where to connect the customer, they failed to care, they failed to do everything right, but did a great job at doing everything wrong. I requested a call from Corporate 27 times via physical mail, XXXX, emails and phone calls. They failed to respond to the XXXX XXXX XXXX complaint report. Now the bank is harassing me with phone calls even though they RECEIVED their payment in XX/XX/2020, trace number XXXX / XXXX ID XXXX. The staff is extremely rude, dismissive, condescending and make things up. I am an outstanding customer for many years, I will never do business with them again. I want results 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 2021-06-22
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have had credit cards and installment loans, that are still opened, deleted off my credit reports. A Government Employee is the one that is tampering with my credit reports. 

This incident began in XXXX of XXXX and is still ongoing. 

My address is incorrect and my employment information was incorrect from XX/XX/XXXX until XXXX of XXXX. 

The XXXX XXXX XXXX in XXXX, NC is the responsible party. 

The only Credit Reporting Agency that has all my opened accounts is XXXX, however the balances are incorrect. 

Also, lines of credit and amounts owed were also Tampered with to lower my credit scores with all 3 Credit Reporting Agencies.

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 2021-03-28
Company: NRA Group, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2018-07-13
Company: Evesham Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, My complaint is in regards to scare tactics from a loan officer at Evesham Mortgage ( XXXX XXXX ). I recently closed on my XXXX XXXX Homestyle loan on XX/XX/2018. The day my wife and I closed, we were informed by the title agency that it was sold to XXXX XXXX XXXX. Since the construction has been completed XX/XX/XXXX and my first payment was made XX/XX/XXXX, I decided to refinance to a lower rate. My current rate on my Homestyle loan was a 5.25 % and I was offered a 4.75 % from another company. On XXXX, the original loan officer from Evesham Mortgage, XXXX XXXX, called me stating that XXXX XXXX  called them saying I requested a payoff statement, and to do him a favor and hold off with my refinance because the new mortgage company ( XXXX XXXX  ) was coming to them for money because they have not recouped their cost from buying the loan from Evesham Mortgage. XXXX went on to tell me that he had previously told me I was not allowed not refinance for 6 months ( 6 payments ) after I had originally closed which was not the case. He then went on to tell me that my refinance would not go through anyway because of this 6 month timeframe, and because the final draw on my construction escrow account has not been paid out ( which it should have been completed but his HUD Consultant lost paperwork back on XX/XX/XXXX when the final inspection was completed ). As far as Im aware, and according to XXXX XXXX guidelines, if there is a benefit to the consumer you can refinance after one payment with a XXXX XXXX loan by doing a Rate and Term Refinance. I do not appreciate a mortgage professional calling me to do him a favor and stop my refinance because it would cost his company money, and attempting to apply scare tactics on me. It deeply saddens me that he is allowed to call me and try to persuade me to not do a refinance that will ultimately save me, the consumer, money by applying scare tactics. It also makes me upset that he and his company are allowed to sell loans without having the consumers best interest in mind, and making attempts to scare them from doing something that will benefit them. I have also heard that a reason why he is so concerned about my new refinance was because his commission was in jeopardy if I refinance before the six month period. Mind you my loan is no longer with his company anymore. Which is why this is even more concerning, because how many times has this happened to others that have done business with this company. I do not want to be harassed by this lender and loan officer which is what seems to have begun.

Company response to consumer: Closed with explanation