BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-02
Company: InstaMortgage Inc.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received an Eligibility Notification in XXXX of 2020 from Arcus Va Mortgage. The notice mentioned no minimum credit score, up to {$5000.00} in escrow refund, no mortgage payment for two months, no appraisal needed, no money oit of pocket and no income or employment. The letter mentioned my rate could be as low as 2.75 %. I called in XX/XX/2020 and verified with the representative my eligibility and they said Yes, I was eligible and the benefits were..No Min Credit Score and verified the previous benefits. Once we applied they pulled our credit and stated that they could do 3.275 % .I agreed and signed documents. Two weeks later I get a call from XXXX the owner who says he can't do 3.275 % because guidelines changed and my husband score was too low. He said he can only do 3.8 % I agreed to that interest rate. I received an text message on XX/XX/XXXX stating that my loan was sent to underwriting and I would be skipping two months payments. I followed up the next two weeks and the representative text me back saying it would take 30 days due to covid for the loan process. I waited until the end of XXXX and I heard no response from several attempts to contact this company. Today. I received an email that states that my husbands score was too low. The problem I have is how long I waited to hear this after they told me no minimum credit score. Somoeone should stop this predatory practice. Stop scaming clients out of wasted time, money and emotional distress when you knew that you were not going to do the loan. This is bait and switch tactics.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
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:
Kohls/capital one account was sent to collection. Account was settled and was told account would be paid to delete and account is still listed as a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
TDBank upgraded their entire banking system over the weekend of XX/XX/XXXX-XX/XX/XXXX, with a promise of access to my account on Monday, XX/XX/XXXX. 
I have not been able to access my checking account since last Friday XX/XX/XXXX. System was  telling me that my username or password was not correct. It was correct. Having Been using it for many years now. 
Earlier this week I tried to contact customer service. Was told that the wait time was 20 minutes. After 1 1/2 hours on hold I hung up. 
On Monday, XX/XX/XXXX, Called my local branch in XXXX, NJ. They told me they were having major problems. Inferred instead that my brouser may be out of date. I told her that I was using an XXXX that was completely up to date. Also that I could not also connect via a Laptop computer. She told me to give it one more day. 
I have tried every day to get access to my account with no success. 
Called support today, XX/XX/XXXX. Recorded message told me that they are still trying to fix their problems following the UPGRADE. Refused even to allow me to connect with customer service. 
Please contact them and push to get them moving to fix their problem. 
What are the rules on not allowing customers to access their bank account? 
Call their customer service XXXX. See what they tell you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT. I HAVE ACCOUNTS ON MY CREDIT THAT DO NOT BELONG TO ME. MY PURSE WAS STOLEN AND MY ID WAS STOLEN AS WELL. I AM STILL BEING VICTIMIZED BECUASE THESE ITEMS ARE BEING REPORTED ON MY CREDIT REPORT. I HAVE DISPUTED THESE ACCOUNTS AND THEY HAVE NOT BEEN REMOVED.

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 2018-02-16
Company: CNG FINANCIAL CORPORATION
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out the loan in XX/XX/XXXX and my 2nd installment payment was not honored by my bank. When XXXX called me about the missed payment, I told them that I could not pay it in lump sum and the representative said that I could pay XXXX until the that installment was paid. I setup a payment for that day XX/XX/XXXX and then paid XXXX 9 times and the last payment of XXXX came out on XX/XX/XXXX. The original installment agreement also continued to extract from my account on the dates originally arranged. When I made my final payment XX/XX/XXXX. I was contacted immediately after stating that I had XXXX something balance. When I called and asked why, the representative mentioned that I had accrued interest that was not paid for from the missed payment. The representative said that when I setup the XXXX payments it was explained to me. I told the representative that it was not and she put a manager on the phone and he said he would review the call and get back to me. Nothing happened, except more collection calls. When I talked to the company again the same thing happened. I explained to the representative how the interest was not explained to me and that representative put a manager on the phone and proceeded to tell me again that they would review the call and get back to me. The next call I answered after that was from a collection agency. I talked to them a few weeks ago and they told me about the debt. I explained to them also the situation and they mentioned that they would XXXX know. I am trying to apply for a mortgage and my financial counselor noticed this on my credit and with me telling her what happened, we decided to file the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I  prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Ive tried on several attempts to dispute these issues with Experian. XXXX XXXX account has been closed since at least 2012. Its been paid off and Ive disputed with the original creditor and they have stated they are not reporting to the credit bureaus as it shows. Ive tried on several occasions to dispute it with Experian but its never been resolved and claimed its been disputed. There are also two derogatory accounts from XXXX that are still reflecting my credit report. Ive disputed on several occasions and these accounts are still reflecting my credit report. They claim to have dispute but the outcome still shows the same results. I would like proper validation as to what the XXXX has sent them. Ive sent letters but still have not got a response back.

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 2018-02-16
Company: IQOR US INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Allied Interstate sent a letter ( XX/XX/XXXX ) regarding a debt we disputed on XX/XX/XXXX when they used one of their other companies ( XXXX XXXX XXXX ) and used a different reference number. We explained that the original debt was disputed with the original debtor ( XXXX XXXX XXXX ) due to identity theft and fraud that the company refused to address, refused to cancel the card, and had the audacity to add late fees, over the limit fees, and even continued to increase the credit limit ( which was {$300.00} ) to {$900.00} to be able to include the fees. Allied Interstate now has sent another request for payment for XXXX XXXX XXXX, another of their companies. We have disputed this debt with the credit bureaus, the credit card company, and the police department, but it does not stop any of them from sending more letters demanding payment and threatening to affect my credit score, which has already taken a horrible hit since XXXX XXXX dares to say I am in default. This has affected my ability to obtain employment. This has gone on since XX/XX/XXXX and they continue to come at me repeatedly under a new name. This is just beyond frustrating. I don ; t know who else to turn to since even when you write and dispute a bill they just change name and start all over again.

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 2021-07-05
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX ACCOUNT XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: EQUIFAX, INC.
State: GA
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:
In XX/XX/XXXX I moved and started new internet/cable service with XXXX. They did a hard inquiry into my credit on XX/XX/XXXX, which I did authorize. 
Two weeks later I received a notice that all of my services had been discontinued and I needed to contact XXXX to set back up. On XX/XX/XXXX I called XXXX to reinstate the service they cancelled for no reason and without my authorization, they ran my credit and put another hard inquiry on my report. 
Once I realized this error at the beginning of XX/XX/XXXX, I disputed the second hard inquiry from XX/XX/XXXX with Equifax, the reporting agency, and they told me the dispute had to be with XXXX and that they weren't able to resolve. 
After the response from Equifax I contacted XXXX and after several weeks they told me they had submitted a deletion request to Equifax to remove the second hard inquiry on my report. 
It has been over a month and this hard inquiry is still showing on my credit report, thus hurting my credit score. It seems that XXXX isn't doing their part and Equifax isn't taking responsibility to remove the incorrect/unauthorized inquiry. It would be very helpful if CFPB could reach out to the necessary company to have this hard inquiry removed from my Equifax credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: JMD,LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do not owe this debt. This debt belongs to my father. He was born in XXXX. I was born in XXXX. We basically have the same name except I am the XXXX ( or XXXX ). Please remove this debt from my credit report and delete it from all credit reporting bureaus. I did not originate this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Keep receiving calls multiple times a day from different numbers under the same company, Portfolio Recovery. I don't have any debt from this company at all ive told them to stop calling, ive tried blocking multiple numbers they've used and have still been receiving calls for the past 2 months on a daily basis multiple times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-31
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
The company referenced in this complaint responded to prior complaints with the Consumer Financial Protection Bureau ( cfpb ) on XX/XX/2020 acknowledging that they are working on the complaint with a maximum 90 day period to complete the process. However, I would like to point out that the company has only partially processed the complaint, per my online inquiry on the account. The company Comenity Bank failed to do the following : 1. ) ISSUE provisional credit for purchase of {$1300.00} dated XX/XX/2020. 2. ) Purchase mentioned above should be on 24 months no interest plan, NOT the low APR plan in which I did NOT select. 3. ) ISSUE credit for {$3.00} finance charge dated XX/XX/2020, since Comenity Bank has the purchase on the wrong finance plan through no fault of the cardholder.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-04
Company: Alliance Recovery Group
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XXXX I received a call stating I was being sued and that they needed my address and phone numbers of my employer to serve me on the premises. These people call about once a month. When I asked who they were in the past, they got threatening. The case number they give is fake. I've asked repeatedly not to be contacted. I've never received anything in the mail from these people prior to this.

Company response to consumer: Untimely response
Consumer complaint received 2018-02-16
Company: Coinbase, Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase will not let me access my account which has more than 18,000 $ in it. When I try to login it says " Your account has been temporary disabled, please contact support ''.

I have contacted them on XXXX, by phone, by email, on reddit and directly via hand written letter and have not gotten any response back to why my account was locked out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
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: Their investigation did not fix an error on your report

Complaint:
i am a victim of identity theft as previously stated

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 2020-05-31
Company: CL Holdings LLC
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: Old information reappears or never goes away

Complaint:
This Company consistently redates a debt on my credit report. They are now saying I opened a XXXX account in XX/XX/XXXX and I owe XXXX. This is a lie. I had XXXX acct in XXXX and closed my account in XXXX. Never ever have I had XXXX since then. 

I have fought to for them to remove the incorrect information. For several years with XXXX  and XXXX. 


JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX has placed an illegitimate debt with Convergent ( a debt collector ). 

On XX/XX/2017 at XXXX XXXX, I called and some to a representative named " XXXX '' with the service code " XXXX ''. After stating that my account was cleared, there was a XXXX balance and I would incur no charges XXXX refused to transfer me to a supervisor after several requests so that I could confirm the XXXX  balance. 

Since then, they have placed a debt for collection, presumably reported to credit bureaus, all in direct contradiction of their own representative and to the detriment of my credit history and continual harassment by a debt collector attempting to collect a charge that XXXX XXXX own representative says would not be charged and refused to confirm with a supervisor

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 2018-02-16
Company: Caliber Home Loans, Inc.
State: RI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, I sent a request for mortgage assistance to my mortgage servicer, Caliber Home Loans , Inc.. They received my request but told me that my request was incomplete and requested I send the more paystubs and bank statements. I promptly sent the requested documentation. A short time later I called Caliber and they informed me that my request was complete and I was being reviewed for a modification. Next, I received a Notice from Caliber 's attorney that they were foreclosing the mortgage and auctioning my house off. I repackaged my modification request and resubmitted everything to Caliber on or about XX/XX/XXXX. Caliber requested additional documentation in the form of bank statements and paystubs which I prompty sent to them. They acknowledged they had a complete package for loss mititgation review and postponed the forclosure scheduled for XX/XX/XXXX to XX/XX/XXXX. At the end of XX/XX/XXXX, I once again called toncheck on the status of my request and was told by Caliber that my request was not complete and that they were moving forward with the foreclosure in complete contradiction to what they had told me in XX/XX/XXXX when they agreed that my package was complete and postponed the foreclosure sale. 

I believe that Caliber Home Loans, Inc. does this type of " bait and swkitch '' tactic routinely to its mortgage servcing customers and they should be punished for this type of dispicable behavior. I am certain that my case is not an isolated incident and I hope that the Consumer Financial Protection Bureau will throroughly investigate my complaint so that Caliber will cease doing this to me and others affected similarly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: LoanCare, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
City property taxes were received in XX/XX/XXXX and sent to my mortgage loan servicer, LoanCare, LLC., on XX/XX/XXXX. Payment due by the end of XX/XX/XXXX was not dispersed from my escrow account to cover my city taxes. Additional follow up emails and phone calls were placed with my loan servicer and I was told that the issue would be resolved. In XX/XX/XXXX, I received a notice from the City of  XXXX that my XX/XX/XXXX payment was not received and that the property taxes incurred approx. {$100.00} penalties and interest and that both installments ( XX/XX/XXXX. and XX/XX/XXXX. ) of my property taxes are due by the end of XX/XX/XXXX. The notice that was received in XX/XX/XXXX has been sent to LoanCare , LLC on XX/XX/XXXX and I was again told that the issue would be taken care of. This morning I noticed that the servicer of the loan has dispersed a portion of the money in escrow back to me in the form of a refund for escrow overages and now there is insufficient funds in escrow to pay property taxes and home insurance by their respective due dates. This loan servicer pulled the same thing on me last year with my county property taxes and I ended up paying an additional {$100.00} out of my own pocket to pay the taxes that were overdue by 4 month. It should not be this difficult to get a loan servicer to do the job they are required to do by federal regulation.

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 2020-09-01
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I had a discover it credit card, it was my first credit card. I had a late minimum payment in XX/XX/2019 due to being inexperienced and never being taught about credit cards.

Company response to consumer: Closed with explanation