BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-29
Company: LD Holdings Group, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello my name is XXXX XXXX and I am making my monthly mortgage payments to the company Loan DePot. I have been trying since XX/XX/XXXX to get a Loan Modification due to hardship. I was married and divorced in XX/XX/XXXX. Due to no longer having the additional income I advise Loan Depot I would like to modify my mortgage. I was behind in payments but I am currently caught up. My problem is that I feel the loan company is giving me the run around. I have submitted paperwork to them at least 3 times with them stating that I have missing information but I did submit all information they requested the first time, they even stated that my signature was missing and has me redo the forms all over again stating they dont mail back paperwork. So as of XX/XX/XXXX after sending the information for the 3rd time I received a letter from them dated XX/XX/XXXX that as of XX/XX/XXXX that all the needed paperwork was received and no further documents where due at that time if more paperwork was needed they would contact me within a month. Well on XX/XX/XXXX I reached out to loan depot inquiring on my status, well a few days later I received mail basically saying I need to submit all the paperwork all over again because the information I provided has expired. I have tried reaching out to them but when I get transferred to that department no picks up the phone. 
I just want to keep my home and I just really feel like they are giving me the run around and hoping I get to the point where I start making late payments again. I am trying real hard to stay current but I need help I need this modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: Navient Solutions, LLC.
State: GA
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:
XXXX ripped me off and mislead me. They told me that the total program cost would be $XXXX,XXXX. I was also told that the program would offer a certificate for educational leadership. The school purposely prolonged my program. There is a balance of $XXXX,XXXX currently on my report from this school. I do not owe this amount. As a single teacher, I would never borrow this type of money. I could have gone to XXXX XXXX XXXX or even XXXX and not have this balance. I am not able to get a home loan because of this fradulent debt. This scam school closed down. I want this debt to be forgiven...now!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
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:
hard inquiries on my account i did not made. 
US SM BUS ADMIN ODA XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: Colony Brands, Inc.
State: DC
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:
Creditor " XXXX XXXX  XXXX '' has my credit report listed with two accounts ; I've only opened one account. Second, XXXX XXXX  XXXX is filing derogatory information on my credit report, saying the account is delinquent, when in fact they are receiving consistent and timely payments through XXXX XXXX XXXX on a monthly basis for the past two years. Third, while XXXX XXXX  XXXX indicated they rejected the payment arrangement offer made to them through XXXX XXXX XXXX, they continue to accept the payments being made, thus contradicting the law regarding resolution of credit accounts. The fact that they are receiving payments and have not returned payments made - they can not accept my payments while reporting derogatory information on all three credit reports.

Company response to consumer: Untimely response
Consumer complaint received 2019-03-12
Company: JPMORGAN CHASE & CO.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I like many others, according to the XXXX, have been scammed by someone. Early this year i was Online looking for a used RV. I came across this site, XXXX they claim to sell repo vehicles. I contacted them and after discussion via text, phone, and email. They sent me an invoice. I looked up the dealership and low and behold they had a A+ rating on XXXX. And were listed on the local chamber of commerce as a good place. 

On XX/XX/2019 I went to my local Chase branch ( XXXX XXXX XXXX XXXX, XXXX XXXX, WI XXXX ) and spoke to the Customer service rep XXXX XXXX. I explained what was going on and that the seller required a wire transfer. I was on the fence and unsure to send it. But XXXX tole me " The money is guaranteed for scam or fraud. '' So i took that plunge with her assurance. 
The very next day the seller told me they received my money and would start the shipment process. And I never heard from them again. 

Check XXXX  and someone else was also scammed that day. So i left a complaint. 
The next week I reached out to chase and opened a wire transfer fraud claim. Claim # XXXX. It took them 2 weeks to tell me my claim was denied. They had reached out to XXXX  XXXX XXXX and the recipient and asked for my money back. The person refused, XXXX declined and thus Chase denied my refund. Then on XX/XX/2019 I had opened a police report with my local PD. XXXX XXXX, WI case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Central Portfolio Control Inc.
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Repeating calls to employer after being told not to call anymore. Calls personal cellphone constantly. Blocked number and now they call as Unknown number

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: JPMORGAN CHASE & CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have an auto loan. During natural disasters such as covid19, the company agreed to waive the payments. It took a XXXX and attorney general complaint each and every time. Each time the phone team advises it wont negative impact my credit. But it does. Most recently today. The information responded to the florida attorney general and XXXX says it wont impact my credit and my payment isnt due until the  end of XXXX. My credit report needs fixed. 

1 ) XX/XX/XXXX was a covid19 disaster approved skipping of payment, needs fixed on credit report.

2 ) XX/XX/XXXX was a XXXX  and chase approved disaster Hurricane Michael, however is incorrectly reported. 

Please fix these errors, the company has been notified clearly of this both by the XXXX, attorney general of florida, governor XXXX XXXX and lt gov of florida. On the phone an XXXX XXXX  lady informed me since I used a derogatory language they would derogatory hurt my credit on purpose. This kind of tribalism in call centers is something that many call centers dance around, including this one. Please do not let a sensative young phone rep dictate and corrupt my credit score anymore. Lawsuits will soon be filed if the above isnt immediately remedied. Also please extend my covid19 payment skip,  extension thru the end of XXXX, as it has been a slow recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: The CMI Group, Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XXXX  ALLOWED 3 COLLECTORS TO PULLED SPY INQUIRIES FROM MY XXXX. SEE ATTACHED.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I was sent an application for a Citibank credit card. The application was denied. I received a notification through XXXX  that my available credit was decreased from XXXX to XXXX. As I stated earlier my application was denied and I never received a Citibank credit card. I had recently received a mail notification offering a reduced rate for a balance transfer. The card ending in XXXX. That was the information presented on the latest transfer offer. According to the information I obtained through XXXX  this account has been opened since XX/XX/2018. Without the entire credit card numbers closing is impossible.

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 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and I have yet to receive a response. I feel like I'm being taken advantage of because it has been well over 60 days that my disputes have went ignored! Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been XXXX days, well over 60, so those accounts and inquiries should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the XXXX Data Breach and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.

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 2021-02-10
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
i have had a coinbase account for about a year+ never had any problems using their services. recently around XX/XX/XXXX i tried withdrawing my money XXXX $ and till this day i can not because they have placed my account under review for no reason. i have tried contacting and submitting multiple ticket complaints but their customer service has not replied or fixed my problem. my money is inaccessible and im furious because i need that money to survive during this pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: DISCOVER BANK
State: KS
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: Card was charged for something you did not purchase with the card

Complaint:
I contacted discover card customer service and they were completely rude. I called them because there were some charges to my card that I didn't make but they are still making me pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: Federated Law Group
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX purchased a credit card debt from XXXX XXXX XXXX, assignee of XXXX XXXX   and hired FEDERATED LAW to represent them in the Court of law in order to collect on the debt. On XX/XX/XXXX, a lady named XXXX who claimed to be with law enforcement agency and wearing a " badge '' and shorts, t-shirt, flip flops, came to my place of employment with her XXXX small children. She was asked to leave by human resources and to contact me at home. She left and then immediately called my place of employment again, being harassing. She left her number and I called her to try and set up an appointment and all She stated was someone would be out next week to my home address, which I verified with her, as I believe she was trying to give me Court papers. Instead, On XX/XX/XXXX, she showed up again at my place of employment. I asked her to please wait outside as I was getting ready to leave work and I would meet with her. I came out and she was still inside. I told her I needed to use the restroom. She said " really '' I said yes. Then when we got outside she continued to stand by the employee entrance area. I said this is embarrassing and why didn't anyone come to my residence. She accused me of avoiding her and threatening to fine me. They took me to court and Sued me and unfortunately the judge sided with them which I disagree with. Not only violating the FDCPA, the company failed to provide evidence that I owe the debt and that they have a claim in the debt. I asserted lack of standing not to mention being threatened, harassed and humiliated at my workplace.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: IQOR US INC
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XXXX  ALLOWED 3 COLLECTORS TO PULLED SPY INQUIRIES FROM MY XXXX. SEE ATTACHED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT FROM XXXX XXXX XXXX AND XXXX XXXX APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # 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 2019-03-12
Company: Credit Protection Association, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I had XXXX XXXX  in early XXXX. When I left there was no balance. I filed bankruptcy XX/XX/XXXX and it was discharged XX/XX/XXXX. If I was to owe a balance it should have been dismissed. However the date the bill indicate XXXX, is incorrect. I have not had service with them.

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 2019-03-12
Company: SYNCHRONY FINANCIAL
State: TX
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:
My issue is with Sychrony Bank a Mastercard under the store name Walmart. After a request to the company to stop sending late payment requests via email, telephone and text messages. I continue to receive them. I used there automated system to pay my credit card balance in full. I remitted a payment of {$7100.00}. They keep calling me asking me to make a {$180.00} minimum payment. When I dial into the automated system they inform me no payment is due until XX/XX/2019. They have credited me interest and have stated I will not receive any more messages. Since that time. Every day I receive either an email. Text or person calling asking me to remit {$180.00}. I feel harassed. A minimum payment is considered the bare bones to keep the account in good standing. They have a technological issue that is ruining my opinion of the aforementioned companies. I was told it was because I paid after closing and before the statement generated for the next month was printed there was a balance due. The software should have a if then qualifier rational. If payment was more than minimum due no notification is needed. These companies are letting technology dictate their relationships which isn't always the best idea. Output is as good as the human programmer has written the code. It needs to be fixed. Account ending # 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 monetary relief
Consumer complaint received 2018-02-03
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a foreclosure sale date scheduled for XX/XX/2018. I had submitted my offer to the bank for a short sale. When i phoned my lender they stated that i can submit the offer if i want to, but they doubt if they will be able to review it in time to postpone the foreclosure sale. I just need for the bank to give me a chance and review my offer. I am trying my best and doing what i can to make it through this tough and trying ordeal. A fair resolution to me, would be for the bank to consider my offer and accept it so that i can move forward with my life. I am stressed out and worried over being put out of my home, but i know that this is my situation and i am trying to bring it to a reasonable resolution.

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 2020-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
It was at the beginning of covid things were shutting down. I thought I had found a job but had to interview first. So the person said to talk on XXXX XXXX. It seemed legitimate he paid off my credit card or so I thought. The next day he had me go get a gift card from XXXX for XXXX $ and send him pictures of the card. I did as asked when I realized it was a fraud I had looked into the card online and saw charges for XXXX XXXX. I called capital one and they said they cant do anything about it that even though I was scammed it was my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
ERC is still attempting to collect a debt on behalf of XXXX and there still reporting on my credit that I still owe them {$1200.00} ERC stated I disputed the debit as a consumer which I did and they said it meets FCRA requirements however according to the FDCPA Laws they have to stop all collection activity and attempting to collect the debit since I filed CH XXXX BK ... .They still have continued to report on the credit report even though there going to receive {$0.00} from the BK ... 

Also Prior to filing BK ERC broke FDCPA Laws by calling me at XXXX XXXX on XX/XX/2018 from there phone number ( XXXX ) XXXX ... I reported this to ERC and they did not say anything .... ERC still engaged in illegal activity by calling me before XXXX XXXX which they knew it was a violation of the Law ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I fell behind on my mortgage and I reached out to Chase for help to avoid foreclosure. Chase put me on a repayment plan to get me back on track. The repayment plan started on XXXX the first payment was to be made. I have made my payment for XXXX, XXXX, and the XXXX payment is set to be drafted from my account on XX/XX/XXXX. However, with all the payments being made I got a letter from a attorneys off from chase saying that i am sechluded for foreclosure because they did not receive papers signed by me stating that I accepted the repayment plan. I called Chase and spoke with a lady by the Name of XXXX XXXX and she stated that she did not understand why they kicked me out of the repayment plan cause she see where all the documents were received and all payments are being made. The agreement was received on XXXX and it states that the agreement takes affect once the first payment is received and the first payment was received in XXXX and the second one in XXXX now in XXXX they are telling me they did not get the signed agreement. The have the agreement and all payments have been made. Please assist me with this matter because I have only 3 more payments to get back on track with my mortgage. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: CL Holdings LLC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been sent multiple letters from XXXX XXXX XXXX for a supposed old XXXX phone bill. The amount is for {$540.00}. I have sent in multiple debt validation letters and the company won't validate it yet it is still on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-13
Company: BBVA FINANCIAL CORPORATION
State: GA
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: Other problem getting your report or credit score

Complaint:
I have been denied several checking accounts due to information that I believe to be related to identity theft on this report. When I requested a copy of the report on XX/XX/2019 I was told that i did not pass the authentication with the operator even though I supplied them with an address that I have resided at for over 4 years. I was then told to go online to print out a request then mail it in and that from the time they receive it to give an additional 15 days to receive the report. Due to the sensitivity of this issue potentially being an identity theft issue I feel as though this matter should have been escalated to prevent any further harm being done to me.

Company response to consumer: Closed with explanation