BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-25
Company: TCF NATIONAL BANK
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX I requested XXXX bank remove my PMI because upon request I received a letter from Chemical Bank telling me I can request it be canceled when I reach 80 % of the original ltv. XXXX told me I was at 81.6 %, the principal reduction amount Id need to be at 80 %, and that I would need to submit another form. In XXXX I made sure I was at 80 % before I submitted the form. 

Two calls and one month later I am being told I need to pay {$150.00} for an internal and external BPO to cancel the PMI because of the type of Fannie Mae loan I have. I was not even aware that my loan was with XXXX, and XXXX who is the servicer never disclosed this requirement to me. Neither did XXXX the original lender who was acquired by chemical bank and then XXXX. I am looking to sell and have a comparative market analysis statement from a realtor showing how the value of my property has increased as most properties in this market have. If I was told I would have to pay {$150.00} at 80 % ltv, I could have paid {$350.00} a couple years ago and got an appraisal showing the value went up and that I was at 80 % of the increased value. Additionally, Im now at 78 % of the original ltv and was told they will not cancel the pmi until XX/XX/XXXX. 

I feel I am being discriminated against and these predatory lending practices should not be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: ALLY FINANCIAL INC.
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I signed a lease with Ally for 24 months. 
I made 24 payments. 
Last payment made was on XX/XX/2020for the month. So the lease ends onXX/XX/2020.

Before lease end, I get in touch with Ally and they were gracious enough to give me a month free. This puts me out to XX/XX/2020.

Then I was offered an option to extend my lease up to 5 more months if i wanted. I choose to do 1 more month and that puts XX/XX/2020. 

This means, I owe one more payment and it will not be due until XXXX. 

Instead this whole time, my online account reflects issues with my account and shows I owe ally a lot more than I actually do. I get in touch with them through online chat on XX/XX/XXXX and again on XX/XX/XXXX and both time was assured, they will clear it up and its just slow right now due to Covid-19. I take their word for it. I save the chats for reference. 

Then on XX/XX/XXXX I get a collections call. Now they are calling me to get paid. Get paid the money that i do not owe them. 

I called them. I was transferred 3 times. The last person kept asking if i could hear them. No one else had issues hearing me, but this person just let me sit there for 5+ mins. while i wanted for her to be able to hear me. Finally she was able to hear. No idea how. The whole time i can hear animals in the background. I think she was at some kind of a farm ( irrelevant, but wanted to mention it ).  She got back on the call and without helping ... just said I am transferring you to collections and just transferred me. The music played for 5+ mins without me being transferred and finally I hung up. 

My account is still in limbo. I am afraid these guys are going to send this to collections and thats the last thing i wanted to do.

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 2020-06-23
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH AND XXXX c/o PHH are harassing me with multiple calls for things I have already discussed with them. I have told them numerous times the forbearance plan I am on d/t CoVid does not need to be extended and can resume on XX/XX/XXXX. Since XX/XX/XXXX, I have received a minimum of 10 calls asking me about the same exact thing. I have answered the phone every time they call and told them it was all set. They continue to call me. As far as I can see from my phone log, I can only go by the number normally coming through as PHH, so there maybe more : I have received calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX. This was supposed to be escalated and the multiple calls were supposed to stop, and they continue. Its harassment at this point. Im NOT behind on my mortgage, I have already spoken with them regarding the forbearance d/t CoVid. The excessive phone calls need to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
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 went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

DEPTEDXXXXXXXX {$1100.00} DEPTEDXXXX XXXX {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

DEPTEDXXXXXXXXXXXX {$1100.00} DEPTEDXXXXXXXXXXXX  XXXX {$3000.00}

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 2020-06-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have received two 0 % APR promo rate Gold Mastercard offers from HSBC Bank USA as a pre-approved prospect. I accepted their second offer ( invitation XXXX ) by applying by phone XX/XX/XXXX. They did not make a decision at that time but sent me a letter that date stating they needed my signed tax return. I have never been asked by anyone but the government for my tax return and will not submit it to them. I consider this an unacceptable request. Instead, I promptly submitted a copy of my XX/XX/XXXX XXXX XXXX IRA statement ( attached ). I explained in my email to them I can withdraw the up to the full approximate {$260000.00} balance as income this year. I sent XXXX XXXX a copy of a statement of this IRA in the 4th quarter of XXXX and they used to to justify raising my credit card limit with them from {$8500.00} to {$13000.00}. XXXX denied their Gold Mastercard to me in a letter dated XXXX/XXXX. I consider their offer and decision incompetent. I want them to delete their hard inquiry on my XXXX credit report and send me no more offers. My XXXX score was XXXX, excellent, when they processed my app XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Due to XXXX XXXX, my business and income took a drastic casualty. We were unable to pay on personal loans for the past three months. Because of this, we made the efforts to contact each of our lenders to arrange payments. Each of the lenders enrolled us into their programs to delay payments and reporting. 

However, two credit card companies have still reported missing payments. I followed up with each of the lenders, but they simply reply saying " Any credit issues should be dealt with by the credit bureaus. '' Both companies have acknowledged that their records show I am enrolled in the programs. 

The credit card companies are Capital One and XXXX. 

It is my honest assumptions that this is a system glitch. However, there could very well be something on my part that I did not do, primarily due to ignorance. This has never happened to me before! 

As my records will show, prior to COVID 19 I only had one missed payment in the last 9 years, which was my first credit card ever. 

It is my great hope and desire that my credit history and your grace will stand in the gap for me in this instance, because I am not sure what else to do. The past 4 years of my life I have maintained above a 680 credit score. In the last thee months it has dropped to almost a 500. 

In my best efforts to fix this matter, I have also taken the measure of seeking help to restore my credit. And growing in my education as much as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-30
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: Public record information inaccurate

Complaint:
I obtained my XXXX credit report on line. There was U. S. Bankruptcy Court item listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. <P/>I requested that this be removed since the Kansas Bankruptcy court does not validate this information, and my XXXX account has been frozen ...

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 2020-06-07
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Experian, XXXX  and XXXX  have been persistently displaying mischievous and malicious information on my credit profile for a long time hence damaging my credit worthiness. I do not have a serious delinquency record and this is persistently being reported to both soft and hard inquiry lenders. This is truly damaging my credit status and reliability as a good credit customer. I am faithfully paying all my bills and not behind but these three agencies are frivolously reporting malicious delinquency data to prospective lenders thus providing a very negative reflection of my credit worthiness. I strongly recommend to order these agencies to remove frivolous and incorrect information data from their data for the love of Fair Credit Reporting and restore my rights under constitution.

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 2017-06-30
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I signed contract for XXXX membership in XXXX XXXX, after 5 and half hours revising the term, XXXX forgot to write my address in the contract so they added the address in the contract after signing the revised contract, after getting to hotel I realised the contract is not in English and my two down payments transactions {$2800.00} and {$320.00} ( {$3100.00} ) is only {$2100.00} so next day I called XXXX to cancel the contract I was told to Dispute the charge and after getting the dispute from your bank we will cancel it so I disputed the charges on X/XX/2017 with Pentagon credit union and on X/XX/2017 submitted exhibits and drafted a letter explaining the situation via email to my bank, since then my dispute still in que and still nobody was assigned to it usually after submitting the Dispute in two days with name and phone number of person and within 10 days I get previsional credit and the dispute it may takes 30 days to resolve but according to Pentagon credit union had merger with other banks and they are backed logs and my dispute is setting there with nobody assigned to it ( X/XX/2017 ) and this is violation of our terms with Pentagon credit union, the bank canceled the credit card and issuing another one due to thinking that XXXX is commiting fraud because I paid {$3100.00} but in the contract only showing {$2100.00} and term is written in XXXX and XXXX are waiting for my bank to submit the dispute to cancel the contract, but no dispute had been send to XXXX yet.

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 2018-10-31
Company: Experian Information Solutions Inc.
State: NY
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:
items were reporting as deleted but are still showing on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I sent a document to Experian showing that negative items XXXX  on my credit report had to be removed due to I won a court case again the company XXXX for Robocalling. After 30 days Experian didn't remove it the items still remain on my and affecting my credit report. 
This is my 2nd report to CFPB. The last one is now closed by CFPB complaint # XXXX and is not resolved. Experian stated back in XXXX that this was removed from my credit report but it has not. In my feedback, I stated it still was not removed and as of XX/XX/2020 this still remains.

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 2017-11-22
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Contacted representatives of the company via telephone and emails several times in XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma.  However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.

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 2020-06-05
Company: Experian Information Solutions Inc.
State: AZ
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 account was reportedly closed in 2015 and continued to report for 3 years and still appears on my credit report 5+ years later.

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 2018-10-31
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Senior account specialist at American Express is contacting me multiple times a day, has contacted multiple family members, and has now put my job at risk by contacting my employer on XX/XX/18. They are sharing my personal business with my family, and now are jeopardizing my job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-20
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 decided to get my credit pulled due to a bill I received in the mail. I've never heard from the place before, I suspected identity theft. Surprised there's a few derogatory items that I've never opened in my life. The things listed on my applications are not mine. XXXX  XXXX, DEPTEDXXXX, XXXX, XXXX XXXX XXXX, XXXX, ( Original Creditor : ). I have contacted the FTC and my local police and I am doing this all alone. Please remove these unknown items from my report : XXXX, XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXXE. XXXX, XXXX  XXXX ( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX. US SM BUS ADMIN ODA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021 i received a credit card from Capital One Inc. Each month i made ACH payments. On XX/XX/XXXX, I scheduled a payment from my bank XXXX XXXX XXXX XXXX during so an error had happen where the payment was rejected and reentered several times through Capitol One application. I called and spoke to a representative and was informed let the process take its course and it will be adjusted. On XX/XX/XXXX i had a schedule delivery for a XXXX XXXX XXXX credit card also through Capitol One when i went to the app to activate said card it wasn't allowed. I then proceeded to call and spoke with an fraud specialist at that time the account was closed without any explanation. i was then transferred to another tier specialist. I was informed that the accounts were both closed due to fraud and there wasn't anything I can do or even an explanation. I asked about payments and balances and were informed I wouldn't have to pay anything because of fraud. I later seen my credit report and immediately lost XXXX points and received a three month late payment. I disputed and called to have been told there's nothing I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: Square Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have a cash app account with Square inc and my account has been blocked or frozen I cant remove my cash or transfer it. I Have emailed the company several times with no response. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: ENOVA INTERNATIONAL, INC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Netcredit obtained my information and entered me into a consumer transaction without my consent or knowledge Netcredit is in violation of 18 U.S. Code 1028A -Aggravated Identity theft amd 15 USC 1691 ( d ) ( 6 ) Netcredit does not have the right to the credit pull that 15 USC 1681b ( a ) ( 3 ) ( A ) grants a credit reporting agency I never applied for a loan and I have the capacity to contract since I am a natural person so you denying me my own credit is discrimination pursuant to 15 usc 1691 ( a ) ( 1 ).

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Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Ad Astra Recovery Services Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Unknown agency as I have never done business with XXXX XXXX and do not owe them. Please help I have disputed with no validation

Company response to consumer: Closed with explanation