BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-26
Company: ARVEST BANK GROUP, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I put in to submit a payment in XX/XX/2020. The payment did not go through and I did not know it until next months payment was due, I made the payment in XXXX and then made XXXX payment two weeks later. I also paid the late fee. Arvest central mortgage would not remove the late fee on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: Hewitt-Capital
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
A XXXX XXXX from Hewitt Capital LLC improperly called a relative of mine, and told her personal information about why he was calling. He then became a complete jerk when she tried getting his contact information because she refused to give out my information, he yelled at her and hung up on her. She called him back and left a message for him, then immediately called him back again. He answered this time and told her to stop contacting him, she proceeded to tell him that she is trying to get the information from him to give to me, then she asked me if I wanted to talk to him. I took the phone, and he proceeded to claim he was a lawyer, he threatened to sue me, he tried to bargain with me and get me to give him money, he made false statements saying I committed fraudulent acts, and claimed I never paid any money on the loan ( which I did, then got into a bind and stopped because my kids needed food in their mouths ). After he got done speaking I told him to send me something in the mail. I am utterly XXXX XXXX.  Contacting my relatives is illegal, giving them personal information, including my residence address is illegal, telling them the specifics of why he was calling was illegal. He is lucky that the relative he called I am talking to because if he had called some of the others and they found out my personal information I would be suing him. Ive been told I can sue him for what he did. These things and tactics are why people dont pay things back when they get back into a good place. Illegal all the way around!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: BARCLAYS BANK DELAWARE
State: CA
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:
My BarclayCard account was closed a few years back but I still carry a small balance on it. My online account was closed and I am no longer able to log in and make payments, or retrieve statements. My due date is approaching but the company won't grant online access so I can make my payments. I was advised they closed my online access because it was flagged as fraud ; they won't advise me what caused a fraud alert either. The male I spoke with said he didn't know what flagged it as fraud and that we wouldn't reestablish my account access. At this point I have not received my statement for the month because I am enrolled in e-statements. I submitted a claim with the same rep and he said he wouldn't provide me a case number. I had callback about 30 minutes later to obtain the case #. A claim not submitted and a response was expected within 1-2 business days but still no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Nelnet, Inc.
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: Their investigation did not fix an error on your report

Complaint:
my student loan is no longer with great lakes higher education. I am now with XXXX DEPT OF ED. But great is needs to get remove from my credit report i tried to dispute it nothing is getting done. The account was open in 2009 {$1200.00} {$7500.00} {$18000.00} {$2900.00} {$10000.00} {$1700.00} {$7500.00} this loan has been consoildated with XXXX so why is it still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Freedom Mortgage Company
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a VCA IRRL refinance through my existing mortgage company ( Freedom Mortgage ) I started this process in XX/XX/2020. Originally everything went well and we closed on the refinance on XX/XX/2020. My new payment was not due until XX/XX/2020. Approximately 2 weeks later I received an email from XXXX XXXX ( Customer Advocate ) for Freedom Mortgage stating he would be handling my case going forward and would be contacting me to schedule a closing date. I was confused as I had already closed and did not need to schedule another closing. I was then informed that the funding of the loan had not gone through and that I would need to redo the refinance in order to complete the process. Then weeks passed an I never heard anything from him on the status of this VA IRRL. I eventually told him to stop moving forward with the process as it is my intention to take my business elsewhere.

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 2018-02-13
Company: WELLS FARGO & COMPANY
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: Investigation took more than 30 days

Complaint:
I had a Wells Fargo credit card where I was late paying, because I was having a financial hardship while trying to get through school. 

I didn't understand credit at the time, being it was my first credit card.Since then I have improved my understanding of finances and have never been delinquent on any other credit card. 

All I ask is for this charge off that I have negotiated and paid to what I could afford at the time, be removed from my credit report. This notation on my report has continuously interfered with opportunities for me that require a credit check. It has been affecting my life for 7 years now.

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 2022-01-06
Company: EQUIFAX, INC.
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 called and wrote the credit bureaus the past 3 months for help with the inaccurate information being reported on my credit. The credit bureaus failed to comply with the investigation request in timely matter. I have attached proof, please help me get them to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: JPMORGAN CHASE & CO.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am sumbitting this complaint because I dont know what else to do to get a solution or at least a response from JP Morgan Chase Bank. 

Chase is not respecting my rights as a consumer. They are violating the FCRA, and I really hope to get a solution because this issue is overwhelming for me now. The account is the following : business account XXXX, opened by XX/XX/2018, limit {$56000.00}. 

I need to express that this situation is causing me XXXX XXXX, and I need chase to take the right action on this. I am demanding Chase to remove the item. That is the less they can do after all the issues that Ive been through because of their erros, negligence and unfair business practices, and some other serious violations such as reporting a business account as personal account, etc. 

Please send the attached documents to Chase. 

Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-17
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I don't Made a autorizacin yo Transfer bitcoins ir My wallet un coinbase and gdax My email is XXXX i sent My conplain to many times but they nevera answerd 3 months ah they only tild me that it's un investigacin the weird thing is i nevera receive a confirmaron ir any transaccin they clised My account and i can't mor Open again

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This is additional information on my complaint, basically I need fifth third to send me over all signed contracts for this alleged loan/lease, and all documentation associated with the alleged repossession of the property, I did not receive any of this documentation they are sending me statements and print outs that I dont know what I can do with that, it shows me nothing, I will show a copy of what they are sending me as proof of ownership

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/20 I applied for a VA refi loan from LoanDepot and charged me {$490.00} for appraisal fee. Its been over 3 months and nothing has happened.i withdrew my application on XX/XX/20 and asked for a refund. They told me there is no refund. My receipt clearly states that if I withdraw my application I will get Refunded for the difference between the appraisal deposit and the amount of the value of the appraisal services performed and now they are saying no refund. I have the receipt proving my claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-26
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
XX/XX/2019 Wells Fargo wouldn't finance a loan unless I purchased a {$2400.00} XXXX to protect car. Thus increasing price of loan and so they could charge higher interest.

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 2018-02-13
Company: Stenger & Stenger, P.C
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:
My name is XXXX XXXX My Account number XXXX I was a victim of identity theft in XXXX Georgia, I also did three months in XXXX, because someone was using my ID and max out my bank cards and credit cards, I lost my wallet one night when I went out with my friends from college, all my cases were dismissed and I am getting reimbursed, now Im trying to fix my credit

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 2018-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have a inaccurate account in collections on my transunion credit file and an ( XXXX XXXX ) unauthorized inquiry I contacted them about with no success in removal. These same items were successfully removed from my other credit files. I desired for the collection to be investigated along with the inquiry.

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 2018-07-07
Company: EQUIFAX, 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: Problem getting your free annual credit report

Complaint:
Dear Consumer Relations, The reason for me filing this complaint is due to Equifax blocking me from getting access to my credit report through XXXX XXXX. The status listed under XXXX XXXX shows Equifax block forwarding updated copies of my report since XX/XX/2017. 

Furthermore, I have contacted Equifax several times to tried to resolve this issue to no avail. When I spoke to a representative about removing the credit freeze from my credit report, " she stated I don't care if you want to remove the freeze from your credit report '' because Equifax decided to keep your report block. I told her this is a violation of the FCRA and that I should be able to have access to my credit file. I am requesting your assistance in helping to resolved this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021 I attempted to use my USAA debit card, which has all of my money on it, to get gas. The card was declined. When I opened a USAA app, it showed that there is no card linked to account. When I called the bank, they stated that USAA no longer wishes to do business with you. When I asked for the reason, I was simply told it was management decision. I have approximately {$6000.00} in deposits next week from the Veterans Affairs ( protected veteran ) and paycheck. I have to make rental, car and insurance payments on the XXXX of XXXX. Was told by USAA that my account is due to be closed on the XXXX of XXXX and then I will be mailed a check with my funds, which should arrive in the middle of XXXX. Until then I will be without any money. All the money for my VA XXXX and education will be rejected and sent back to the VA, which will take unknown amount of time to be deposited into another account. I never received any notification of the account closing, otherwise I would not hold my money in it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Optimum Outcomes, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$510.00} OPTIMUM OUTCOMES INC XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX Balance Owed : {$770.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Caliber Home Loans, Inc.
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My property taxes decreased from approx. $ XXXX to approx. $ XXXX. I called XXXX customer service on XX/XX/XXXX to ask that my escrow account be re-calculated, my monthly payment refigured before my next payment due date of XX/XX/XXXX and any excess money in my escrow account refunded to me promptly. The agent advised me to submit a request via the message center on the XXXX website. I did this the same day - XX/XX/XXXX. Shortly after I received a text message ( see attached ) confirming my email message was received. As of today ( XX/XX/XXXX ) I had not received any other response. So, I called the customer service center again ( the escrow/tax department @ ( XXXX ) XXXX ). The agent I spoke to said they had NO RECORD of my email communication! He also stated they would review my escrow account in XX/XX/XXXX/XX/XX/XXXX. I am requesting my escrow account/property taxes be reviewed and adjusted immediately. The agent was unwilling to do that. I asked to speak to his supervisor and he stated there was no supervisor available. My new monthly pay will be approx. {$290.00} LESS than it currently is and I am also due a refund for excess money being held in escrow. I submitted my original request on XX/XX/XXXX and am asking my new payment be reconfigured before my XX/XX/XXXX payment due date and excess escrow funds be dispersed to me promptly. Thank you for your attention to this frustrating situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: Experian Information Solutions Inc.
State: PA
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:
To whom it may concern : According to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available This credit reporting company has intentionally voilated this rule and this is causing errors to be reflected on my credit report dealing with a bankruptcy -- Becasue of the error -- The bankruptcy should be removed from my report immediatley. i have been trying to work with them over a year

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 2019-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Capitol One sent me a XXXX card with a XXXX limit but when I tried to setup a online account to use and monitor the card they would not help with the setup. 
I could not jump through all the hoops they required but I was sent the card. 
When one security question was answered they concocted another and another until we reached a point of me sending my driver 's license which is outrageous. I answered all their questions but the foreigners didn't seem to understand. 
Spent hours trying to get this resolved and finally had to throw the card away and apply someplace else. Customer service was horrible and people did not speak understandable English and wasted 3 hours of my time over a 2 day period. 
They should apologize to me for issuing a card and then not allowing me to use the card after I answered all their security questions and for them not resolving the online account setup issue. Overall, these people are arrogant disrespectful and need to learn English.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX A verbal agreement was made between Wells Fargo and myself to use an escrow overage that was in my account ( {$1200.00} ) along with an electronic payment from my bank account ( {$1000.00} ) to be combined and used as a past due payment. On my XXXX XXXX statement the payment was reversed and put into an un applied funds account as a credit and then debited back out. On XX/XX/XXXX may escrow balance was {$1000.00} then on XXXX XXXX my escrow balance changed to {$730.00} with no explanation. At this point a total of XXXX and XXXX had disappeared. Along with a payment of {$1000.00}. On my XXXX statement an increase of {$2200.00} was added to my loan balance as an escrow loan. So now we are at a total of {$4800.00} in missing or unexplained charges to my account. In XX/XX/XXXX a payment was made to my account to be later reversed and disappear, In XX/XX/XXXX I received a letter from Wells Fargo stating I had a {$1700.00} escrow overage that was being held. In XXXX my account was transferred to XXXX with a XXXX escrow balance.

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 2019-10-27
Company: First Credit Services Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I cancelled my XXXX XXXX membership and the amount owed is incorrect. The collection agency reported the wrong amount to the credit bureaus without confirming the dispute amount with XXXX XXXX   without my knowledge. First Credit Services

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation