BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-26
Company: 21ST MORTGAGE CORP.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On or around the XX/XX/XXXX, My brother gave a {$12000.00} cashiers check to Yes! XXXX XXXX for the purchase of a mobile home. 21st Mortgage Corporation, never really explained the documents to me, as I was told that the loan as well as the lease agreement would be in my brothers name and I found out at this time that that was a lie, after they evicted me whom never took up residents at the park, that they state an oral agreement took place in the pursuit of getting the home, and on the loan documents pages 11 and 35 state that there is to be no ORAL AGREEMENTS, they have filed court motions with their legal team stating that this took place. 

We have request the {$12000.00} back as this was clearly a breach of contract seeing that my brothers name was never on the lease as promised would be the case, as he was the one making payments from day one up until XX/XX/XXXX. in which the went over the documents with me thou The reason for this is they have denied documents and I will be filing a lawsuit against them for breach of contract, and filing of these fraudulent documents that their lawyer has provided me clarification and written legal documents he swore under the penalty of purging himself, where he says there was an oral agreement, when the loan documents clearly state in the customers package that no oral agreement shall be made. This is why I am asking to continue, as I am preparing this demand letter for the lawyer and his clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: DISCOVER BANK
State: OH
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:
An item was purchased on XX/XX/2019 for XXXX which showed on the credit card statement for {$10.00}. It showed as 2 separate charges for XXXX and XXXX. The product was delivered. No complaints. Recurring charges showed in XXXX and XXXX for {$170.00} and {$180.00}. The listing of the charges should have shown a toll free number where the subscription could be cancelled. I have no way to contact the company placing the charges. It was not made clear to me that this would be a subscription. Even so, contact information should always be given. A dispute has been filed but has not been resolved. The problem could easily and quickly be solved if contact information was provided with the charge. This should be a requirement for any subscription charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-18
Company: Avant Credit Corporation
State: TX
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:
Avant has put my credit card on hold for two weeks now and I didnt get anything done on my account no letters no phone calls and they are holding me responsible for a minimum payment for the fraudulent charges and they are taking too long with the Investigation and I need to use my new credit card and move on ... and Im not getting anything better from customer service and Im slowly losing my patience ... and I would need a payment wavier or some kind of status on my investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: OPEN MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX ) stated that if I pay on my lease vehicle with XXXX and I pay {$4800.00} on it then that would bring my dti down and I would be able to get financed for the mortgage loan.. he had already told me my down payment which would have been XXXX down. On XX/XX/XXXX he pulled my credit again to see if the XXXX financial payment had been posted on my account. When he saw that it was he said we are good to go to closing ... closing was supposed to be on XX/XX/2021 he then told my realtor that my down payment had changed to XXXX when I found out I agreed to it and said lets move forward .. Mr XXXX calls my realtor back and says the down payment is XXXX and now I need to show proof that I am turning my XXXX lease vehicle in to XXXX XXXX I told XXXX this is not what he told me and he said it was a simple mistake. I told him this was not a simple mistake that open mortgage lending did ... if they are underwriting the loan how is it that the approval changes everyday ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 I called my mortgage company, Mr. Cooper, for about the 6th time, because they were giving me different answers about removing my PMI. I let them know that they could not refuse this due to the Homeowner 's Protection Act, and I was then told that I could send in around {$12000.00} to reduce my principal within the limit. 
I did that and requested that they remove the PMI. 
On XX/XX/XXXX I followed up to find out that they had not removed the PMI and the woman ( no name given ) said that she would " submit the paperwork. '' On XX/XX/XXXX, I spoke to a woman that said that I was still {$800.00} dollars from the point where PMI would be removed and she then transferred me to " XXXX '' who informed me that somehow my home was now in a FEMA Disaster Area and that XXXX XXXX would not allow the PMI to be removed unless I PAID for an assessment. 
I am beyond disgusted with this company. 
Any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: CITIBANK, N.A.
State: CA
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 applied the Best Buy Visa Credit Card ( Citi ) and was trying to setup the online payment account today ( XX/XX/2019 ). The credit Card system has problem and won't allow me to logon and schedule payment at all. I contacted multiple agents ( 5+ ) and 2 supervisors, I followed their instructions to reset password, changing browsers, devices and reset the profile. However, none of the method work and I requested them to report the issue to their technical team. They refused to do so and claiming that there is nothing else they can do after exhausting all the standard procedures. They keep on saying to wait 24 - 48 hours  and try to login. Since there is a system error, unless they report it to the technical department and fix it, nothing will change. I have a feeling that they are trying to mess up the client 's online account so the client will miss the payment.

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 2020-04-02
Company: EQUIFAX, INC.
State: AR
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 was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts and a bankruptcy. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX {$130.00} XXXX XXXX XXXX  XXXX {$160.00} XXXX XXXX {$180.00} BANKRUPTCY  XXXX {$0.00} BANKRUPTCY   XXXX {$0.00} BANKRUPTCY  XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I'm a XXXX Veteran i was contacted by Capital One " XXXX  '' credit card, I was told i was already Pre-approved for a card, I called the numbers on the offer and they said yes after i gave them to the codes on there offer to me. 

I three times was diverted to other numbers, I was told they are backed up so could i just do it online, not to be concerned as it is a Pre-Approved and no further credit checks need to be done as i have a pre-approved card waiting for me. 

I then learned they ran a hard check on my credit bureaus and that as you know causing a reduction each time someone runs your credit. As a XXXX Veteran, elderly, i was lied too, misled, and am being discriminated against. 

After I gave them information they said they needed to send my " New '' Card too they would send me a message, within a few minutes i get a message that they can not now approve my Pre-Approved card??? Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
This company blatantly fooled me with this car. The interest rate was higher than I had agreed to. I was told that once I made my payments on time that I would be able to trade in my vehicle for something else. I tried, however that was incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Experian Information Solutions Inc.
State: SC
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:
XX/XX/2020 vehicle loan with XXXX XXXX XXXX XXXX XXXX was paid off in full and reported to the credit bureaus but the account it not being reported on XXXX  and XXXX  Credit Report. I have wrote in to the agencies and XXXX  still has not corrected this matter. XXXX  and Experian have add the account but incorrectly and the payoff didnt increase my credit 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 2021-04-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Good afternoon, USAA is unwilling or unable process an ACH transaction so that I can send money from my USAA bank account to my XXXX XXXX XXXX account - a routine transaction ( XXXX XXXX ACH transactions each quarter in the US ) that most banks do at little or no cost. Alternatively, USAA offered to charge me {$30.00} for a wire transfer or to contact XXXX XXXX ( who presumably isn't a charity and would charge me high fees ). 

I spoke with numerous representatives at USAA of increasing seniority and all told me the same story ( above ). 

Surely, I am not a unique USAA customer and many others are being unnecessarily directed to complete wire transfers or other expensive transactions that benefit USAA 's revenues. 

Thank you for your help XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
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 disputed the following accounts with Experian on XX/XX/XXXX, requesting that they reinvestigate the accounts. They said that they verified and updated the accounts during their reinvestigation, which was concluded onXX/XX/XXXX Report # XXXX, but they didnt actually verify, and they are continuing to report the accounts on my credit report, which is a violation of the FDCPA and the FCRA. They also failed to update status date which means they never conducted a reinvestigation as required by the FCRA 611. Its been over 2 years since any of these account have been investigated or reinvestigated.

1. XXXX # XXXX : No status update sinceXX/XX/XXXX. Account was never reinvestigated. FCRA VIOLATION DELETE ACCOUNT 2. XXXX # XXXX : No status update since XX/XX/XXXX. Account was never reinvestigated. FCRA VIOLATION DELETE ACCOUNT 3. XXXX # XXXX : No status update since XX/XX/XXXX. Account was never reinvestigated. FCRA VIOLATION DELETE ACCOUNT 4. XXXX # XXXX : No status update sinceXX/XX/XXXX. Account was never reinvestigated. FCRA VIOLATION DELETE ACCOUNT 5. XXXX XXXX # XXXX : No status update since XXXX. Account was never reinvestigated. FCRA VIOLATION DELETE ACCOUNT 6. XXXX # XXXX : No status update since XX/XX/XXXX. Account was never reinvestigated. FCRA VIOLATION DELETE ACCOUNT Failure to conduct a reinvestigation is a violation of Fair Credit Reporting Act ( FCRA ) I want the above-mentioned accounts deleted immediately.

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 2019-06-08
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem adding money

Complaint:
I was using my Bluebird account as a savings account for a house. 
The last 3-4 months I had some financial difficulties and hand to withdrawl funds to take care of daily expenses, bills, car issues such as a XXXX transaxle that went you on my XXXX, money for a tow, and diagnostics. 

The American Express stopped my loading abilities and closed my account. I always maintained a balance of 7-10k until just recently. I borrowed from myself, and I was planning on getting my balance back up. 

I called customer service 2xs after a failed load at a XXXX. 
They said they couldnt do anything about it. I spoke to 2 managers and was on the phone 3 hours. I explained everything, and they confirmed that I always maintained a high balance. 

This is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
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 had account from XXXX credit card by XXXX bank that account went collection agency called XXXX XXXX I paid them but credit reporting agency never updated as paid after disputing they update account sold even sold I paid the account why they can't update that account is paid

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 2020-05-26
Company: EQUIFAX, INC.
State: AR
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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Account # XXXX XXXX XXXX  # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer report to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-07-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Chase has called my job 3 times in attempts to collect a debt. I never gave them my job number but somehow they have tracked it down. I can lose my job for this. I would like for chase not to call my job. At this time I am enrolled in a debt consolidation program.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX has been changing account payment history information for the worst since XX/XX/XXXX. They have reported 90 days late, 60 days late, and 30 days late twice on my credit reports since account closure sending my credit score plummeting to the low 500s from a 650-670, usual credit score. This account has been closed and paid-off since XX/XX/XXXX for the full amount by my insurance carrier, XXXX XXXX XXXX. Account due date they said was on the XXXX of every month.Not even thirty days after account closure a 30 days late, 60 days, and 90 days late payment in account history has been noted on my account as well as a charge-off status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX/Loancare. They bought our loan. We paid timely. For a year we had no problems, then we get a bill saying our loan was behind two payments. It is not true. I sent proof of payment from my bank XX/XX/XXXX. Got email saying I paid to the wrong loan no. Why was it not a problem before? Now they can not seem to handle transfering the payments to the proper account, even though theyve been doing this for over a year!. Lost 120 points on credit score! Called at least 6 times plus about 6 emails. They are so incompetent they can not even give us a provisional credit! This is affecting our health. They continually make deadlines and then break 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 2019-06-08
Company: Experian Information Solutions Inc.
State: MO
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:
Not sure when or how my identity was compromised but after reviewing my credit report I see very well it has due to these unauthorized accounts inwhich I'm asking to be removed from my credit report. 

[ 1 ] XXXX  XXXX {$1000.00} [ 2 ] XXXX XXXX XXXX [ 3 ] XXXX XXXX XXXX  XXXX {$16000.00}

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 2019-06-08
Company: EQUIFAX, INC.
State: MO
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:
Not sure when or how my identity was compromised but after reviewing my credit report I see very well it has due to these unauthorized accounts inwhich I'm asking to be removed from my credit report. 

[ 1 ] XXXX XXXX {$1000.00} [ 2 ] XXXX XXXX XXXX [ 3 ] XXXX XXXX XXXX XXXX   {$16000.00}

Company response to consumer: Closed with non-monetary relief