BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-09
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Barclays Bank fails to make a reasonable number of recent past paperless credit card statements available online. As of XX/XX/XXXX it is only possible to access paperless statements back through XX/XX/XXXX. It is not possible to access XXXX through XXXX statements of XXXX. 

XXXX calls to customer service on XX/XX/XXXX and XX/XX/XXXX confirm that agents are unable to access any earlier statements than what the customer is able to access online. 

The customer portal for the account falsely states that older statements can be ordered by calling and speaking to a representative. Neither representative I spoke to is in fact able to order past statements. Here is the exact wording found in the statements section of the customer online portal : " Order statements If you would like a copy of your previous statements, you can print statements free of charge from this website, or to order a copy of a previous statement, call Customer Service at XXXX. 

Please be ready to tell us the account number for which you want the statement copy and the date of the statement ( XXXX ) needed. ''

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 2017-11-03
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have been out of work on XXXX for a year and I have managed to get all my payments caught up until XXXX when Hurricane XXXX Came and I was without power and displaced 3 1/2 weeks.My XXXX bill was due on XXXX XXXX. 
I reached out to Southeast Toyota Finance on XXXX XXXX, XXXX asking for an extension for XXXX and was informed that they were no longer giving free extensions for hurricane victims as of XXXX XXXX. 

I informed the customer service rep that I receive a XXXX check on the XXXX of each month and I would not be able to pay the extension payment until XXXX XXXX. Even after informing SETF of my current situation ; I harassed with collection calls everyday until XXXX XXXX, XXXX ; On XXXX XXXX, I asked the rude customer service associate if I could to speak to a Manager regarding the written ceases and desist that is associated with my account. I I was told by the manager that I did not have a request on record. Exasperated I stated to the manager once again my intentions of obtaining an extension on my account once I received my XXXX check the next day. 
When I attempted to request the extension online, I received an error message and was instructed to call customer service. I called customer service on XXXX XXXX, XXXX @ XXXX XXXX and was told that, now since my XXXX bill has become due I am unable to get an extension for XXXX!!! XXXX must be paid in FULL they were willing to give me an extension on XXXX bill which is only 3 days past due. 

I am a XXXX veteran and I have been with Southeast Toyota almost 6 years and they are terrible to their customers. Sometimes life happen and bad things happen to good people ; the customer service reps make you feel horrible, they make you want to give up throw in the towel and the VEHICLE and not pay them another blood and tear stained dime. 
I am sick of the Harassing phone calls all day and if I speak to them today they will still call me right back the next or every two days regardless of what you thought you had resolved on previous conversation with the previous associate. 

They create barriers for customers to pay off loans I asked for documentation of my past extensions and agreements because you are unable to obtain information online and they send nothing in writing by mail verifying the transactions and agreements, my payoff amount has not changed in a year after almost 6 years there should be a much higher amount applied to my principle and there is no one to discuss your account with because the harassing callers do n't have access to your account or payment history they are just collectors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-27
Company: Rocket Mortgage, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I were cold called by quicken loans/rocket mortgage to refi our existing loan in XX/XX/XXXX. We were explicitly told that they were applying lender credits and our loan amount would not increase and they could do a 0 out of pocket refinance. Quicken ran our credit, told us we were approved so we provided over 60 documents they requested. 
Over the next 4 months they kept telling us everything was good and we were ready to close. When it came to the final stage they told us we had to come out of pocket XXXX dollars and they tried to increase our loan amount by almost 6 thousand dollars. Their representatives lied to us on multiple occasions regarding pmts and why they didnt want us to put money down. Every time I thought we were getting ready to close they would change the numbers on us. Total bait and switch. We went to closing on XX/XX/XXXX ... ..7 months later. They lied about rate locks, they lied about closing cost and they lied about payments. I learned a valuable lesson and will in the future require anything told to me in writing. I may contact an attorney to have their phone records transcripts but I dont know if they keep em. I am severely disappointed in their business practices and feel that they should be held to the same ethical standards as anybody else who sells a loan to a consumer. Their Refinance department was shady and the worst part is they have no sense of responsibility to make right what their loan officers and loan specialists say to consumers. 
Im use to reading contracts so I was able to catch their deception however I feel sorry for the countless people who have been bent over unknowingly by Quicken Loans. 
I have been contacted by their team as we did close on the loan however we are still weighing our right of rescission while they attemp to make this right. As of now I think that something should be done on a foundational level when it comes to clear and concise explanations of whats actually going on with a consumers loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, 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:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: HW Holding, Inc
State: OK
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was trying to get a home and was told that i had to pay that off or show that there was a payment plan provided so i call Hunter Warfield to talk about the account and they said they could do the payment plan but they will not send me a copy of the agreement and i have have talked to other debt collectors and they said it was by law that they have to give a copy of that and i can not get them to give me a copy im not wanting a paper saying its paid in full just a copy on the laid out payments are going to be they can be reached at XXXX Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: Home Point Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
please attachthis to the previous complaint i files day 6 of total chaos with my loan closing my loan was never closed propery last yur by same compoany and now having problems im subbitting all documentation and all files as now i have attourny working on it to they cant cloe on my home home poibnt financial which im working with now is same company did it last yr and never closed my loan properly still have a lien down at the county court hosue which i went down homepoint not even on there having a loan the tital compnay they used never did there job no im spending day and night my own time trying to fix this minumal XXXX from my lender they should be getting documents and calling everything was done on my end right and to the T this is frustraing i attached emails prob ten there over 50 over all this callled titalle company that had last yr there saying its lender respenc homepoint court saying home point respnsiblity attourney saying homepoint respponsibliky It is thye close my loan they were suppose to take care of this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: TX
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 requested financing for a new phone through the carrier. They stated that they were unable to approve and I would need to contact Experian. I reviewed my credit on Experian 's site, and I do not see any issues that would prevent approval and my score is in an Excellent category. Upon talking to the carrier they stated it was still an Experian issue. I have tried to contact Experian and the chat function is never available, the phone menu only allows automated options that do not involve this issue, and there is no email option. Currently I am being denied for credit and I have no way of finding out why or resolving it ( again, no negative marks of credit and high score ).

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 2017-11-03
Company: FC HoldCo LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My auto loan was originally with XXXX then Flagship Credit took over my loan ( Not my request ). During the transition there were fees added to my account in the sum of XXXX in addition to my regular loan. When I called and spoke to Flagship in regards to it they said " it was repossession fee. '' I said " How can it be a repossession fee when my car was never repossessed? '' then they said they had to look into it. then they advised me it was miscellaneous fees charge by XXXX. I then asked what they were for they again said " repossession '' I then advised again how is it possible when there is no repossession on my car? they again said that they would look into it and wait again they then advised that it had to do with an incident that occurred in XXXX. My car was stolen and the police recovered the car I was awaiting to go to court to prove that I was n't the driver and I had the police report. between the time frame of recovery and the admin court hearing XXXX went the holding yard and paid for my car to be released to them they were going to sell my car in auction and charge me with a repo. At the court hearing presented my police report and judge said you can go ahead an get you car no charge then advised me at that time the financing company picked up the car. On the date I did contact XXXX they said ok send us the paperwork. I did send it to them that day then confirmed that it was received ( I have the original paper work for that day ). XXXX said they would remove all fee and charges and remove the " repossession '' from the credit report cease the sell of the vehicle. I though this incident was take care of it was presented by the lender as such not " fees '' on the monthly statement. Lender advised me not to worry about it they will handle the paper work to be reimbursed. The mistake was removed from the credit report. I thought everything was fine until these " fees '' appeared when Flagship took over the account. I have sent the original paperwork twice now talk to several people and there is " nothing they can do '' or they do n't return calls when requested. They only time I hear from them is if I am late on payment, then they we throw you on dialer system and leave you 2 to 3 voicemails everyday until you pay and call you 7 to 8 times a day.

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 2017-11-03
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX of XXXX I contacted Navient to enter a income based repayment program based on financial hardship and not being able to make the full amount due each month. On XXXX XXXX XXXX I emailed the requested bank statements and proof of income. On this day I was told my information was received and the monthly repayment amount of {$290.00} was agreed upon. I agreeed to have this amount automatically deducted from my personal checking account starting on XXXX/XXXX/XXXX. I was told that the submitted documents would be reviewed and if the amount was not approved I would receive a call back. Since XXXX/XXXX/XXXX. Payments have been deducted from checking account in XXXX, XXXX and XXXX. On XXXX/XXXX/XXXX I started receiving phone calls every hour regarding my private loans. I spoke with a representative on XXXX and was told my paperwork was never approved because my bank statements and pay stubs were not received. Even though payments had been made. I resent the email containing the requested information sent on XXXX/XXXX/XXXX. And noted I never received communication telling me this was the case. On XXXX/XXXX/XXXX I spoke with a manager in the department that explained my paper work had to be reviewed and approved and the amount I agreed to pay ( which had been paid for the past three months ) may now be denied and the rate could change. This has now been reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, 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:
I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have several credit inquiries that I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN, XXXX XXXX XXXX  XXXX, XXXX, ri, XXXX XXXX XXXX XXXX, XXXX, oh, XXXX XXXX XXXX, XXXX, texas, 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 2019-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Due to the lost of my identification a couple of years ago, my identity has been seriously compromised and all of these fraudulent inquires I'm demanding to be removed immediately for this is hindering me and is a strain on my true credit worthiness. 

Please remove the following fraudulent inquiries. 

1 ) XXXX XXXX XXXX ( XXXX ) ( XXXX ) 2 ) XXXX XXXX ( XXXX ) XXXX ) XXXX  XXXX ( XXXX ) 4 ) XXXX XXXX XXXX ( XXXX ) XXXX ) XXXX XXXX ( XXXX ) 6 ) XXXX XXXX ( XXXX ) 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX XXXX XXXX ( XXXX ) 9 ) XXXX XXXX ( XXXX ) XXXX ) XXXX ( XXXX ) 11 ) RXXXX XXXX ( XXXX ) 12 ) XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX ( XXXX ) 14 ) 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 2021-10-22
Company: NAVY FEDERAL CREDIT UNION
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:
I have filed a dispute regarding my credit report.. It has been well over 30 days and I haven't yet to receive any results..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
On XX/XX/2018 a Credit card payment was made and posted to the same online account as we have two Capital One accounts. Rather than two payments to two separate accounts. 

Payments were made on time. The only error was both payments posting to the one online account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A Lowes commercial account was opened in my name. I spoke to someone at lowes and they said that someone has all my personal info. They were able to cancel the card and clear the debt and forwarded the issue to thier fraud department. They advised me to notify the credit reporting companies and place a hold on my ss #.

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 2017-11-03
Company: Absolute Mortgage Company, Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was contacted by XXXX XXXX and XXXX XXXX through XXXX on XX/XX/XXXX. I was given a pre-qualification for a home loan from XXXX XXXX XXXX XXXX. on XX/XX/XXXX in the amount of XXXX. I did not find a home until XX/XX/XXXX and I contacted XXXX XXXX to update him on the home. Then I had to finish the paperwork to complete the process in getting the loan. The home loan was supposed to be for XXXX. XXXX XXXX contacted me on XX/XX/XXXX to tell me that my credit score went down. I was given a list of items to pay off in order to bring my credit score back up. After those items were paid and a receipt provided to XXXX, I did not hear from him again. My realtor and I both tried on several occasions to get in contact with him but received no response. On XX/XX/XXXX the mortgage commitment was due. On XX/XX/XXXX I called XXXX XXXX from my job and afterwards I received an email stating that he would provide an update of my loan to my realtor and the listing agent. I 've called and emailed him to get some more information so I could move forward to complete my loan but still no response. This mortgage company has put me in jeopardy of losing the purchase of this home and my earnest deposit. I am forced to start with a new mortgage company which has pushed my settlement date into XX/XX/XXXX. This company has been unprofessional and caused a lot of stress and money. They should not be aloud to operate a mortgage business.

Company response to consumer: Untimely response
Consumer complaint received 2017-11-03
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a victim of Hurricane XXXX. Thankfully I do have flood insurance. That is nor my gripe. I received a check from the insurance company, but I can not deposit it into my account. They ( CitiMortgage ) wants me to sign it over to them, they will put it in a secure escrow account ( I will not get interest ). Along with the check they want an itemized list from the insurance company as well as an estimate from my contractor. 
Then and only then they will send me a portion to use as a down payment to the contractor. They will issue another check when work has been completed. Home needs to pass an inspection. Then they will issue a check for the remainder of the money. 
I have never been late on a mortgage payment. I have my taxes and insurance rolled into my mortgage ( mistake on my behave ) lesson learnt. How can they dictate to me how to spend these monies? I live in my house, I want to fix it and pay my bills myself. 
This is wrong. I am an adult, employed full time and have a terrific credit score.  They are making me feel inferior.

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 2021-10-22
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hi, I am having nothing but issues with M & T bank. I've made sure to follow every request the bank made to keep on good terms and on XX/XX/XXXX, I have received received letter stating that the bank can no longer do business with me and will be closing my account. I've called my local branch, as well as corporate and they will not give me a reason as to why it is being closed. It is my right to know what, and why this is happening and they refuse. I feel like I am being neglected by this company and as if they do not care about what I have to say. I would like to legal action action against M & T bank if possible.

Company response to consumer: Closed with explanation