BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-25
Company: Renew Financial Holdings Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My husband and I were victim of fraud and loan sharking from the XXXX  pace program  and RENEW FINANCIAL. In XX/XX/XXXX, we met with a contractor  representing XXXX for a roof and hurricane-proof windows and doors installation. 1 ) The financing company sent a couple of documents to me ; I was in disbelief finding out that our incomes were purposefully inflated. I specifically told the XXXXRenew Financial contractor that my husband was not working at the time. In the document it states that my husband makes {$45000.00} when in reality he made {$9100.00} total for that year and he puts that I make XXXX when in reality I make around XXXX. 2 ) On XXXX XX/XX/XXXX he quoted us {$9000.00} for the hurricane proof windows and {$12000.00} for the roof. We made him wrote and sign on the agreed price. After both projects were completed, we were asked to sign that the project were indeed completed. At that time we brought to his attention that the prices were significantly inflated and that's not what we agreed on. He stated that there will be a " change order '' with the agreed price and that those were not the real numbers. And that we needed to sign in order for the XXXX and Renew Financial to release the funds. There was never a change order. Not to mention we were never told the interest rate. All that was said is that it is base on credit and not to worry, since it is a government program, the interest rate are usually low. 3 ) We recently tried to refinance our house only to find out that TWO liens were placed on our property one for XXXX for the windows and door ( Renew Financial ) and one for the roof for XXXX ( XXXX ). Both for 25 years. We were never explained the term of the loans, nor did we agree to have two liens place on the house. Have we known the fact we wouldnt have move forward with both projects. 4 ) I do not recall signing those documents on docu-sign. When I called XXXX  and Renew Financial, they did not even have my email. They had my husband email. And my husband and I went through the emails we did not received the initial papers that require us to sign and initial that we know what we are getting ourselves into. We did however receive documents after completion for XXXX  and Renew Financial to release funds. XXXX and Renew Financial are pure fraud and loan sharking. and I know it is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Starting XXXX XXXX I called Citizens Bank to talk about doubling up on payments i was then advised not to send in anything that A loan modification that way the past due payments would be placed at the end of the loan also that this would suit me best. The rep stated the application would be sent to me via mail. I received the application submitted it as well with the required documents I could never speak directly to my lender as the voicemail was always full or she wasnt available. I received numerous of letters stating my application was incomplete and that I was missing paystubs. This went on and on for months even after communicating with her assistant and him advising me and telling which ones were so called missing I resubmitted the same documents and waited for a response by this time it was The end of XXXX. I then finally spoke with my lender and she then stated that she had to close my application due to it being open too long also after figuring out that she not only had received all the needed documents but All needed pay stubs and that she was under the impression that I had two jobs. I even mentioned that I would get a letter from my employer if needed proving that it was the same company. She said no then went on to say that I can just resubmit the same documents and to change the date on my application because she had no choice but to close this one out. I did so as she recommended to only receive the same letter stating that my application was incomplete in XXXX. I called citizens numerous of times distraughted that i was about to experience the same thing. The following week i started to receive letters about foreclosure and letters being placed on my door. I made several attempts to call and speak with citizens only to get the same recording of a full voicemail. I then went to a hud counseling agency submitted the documents and we both to this day have not been able to reach citizens about the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: CITIBANK, N.A.
State: NY
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:
On XX/XX/XXXX I wrongly deposited a check for {$50000.00} at a Citibank ATM machine to my credit card account instead of my checking account.. I called XXXX XXXX XXXX credit card that same day and was told it would take 3-5 days for the check to clear and for them to transfer it to my checking account. On XX/XX/XXXX I called again and was informed that due to the large amount of check, it was 5-7 business days not 3-5. They said the latest it would be was! XX/XX/XXXX. I called on XXXX and was told the transfer would take 5-7 business days from XX/XX/XXXX not XXXX which was the first day I requested it. They now say the funds will be transferred to my checking on XX/XX/XXXX which will be 10 business days from my originally request of 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 2020-04-25
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have an account with Coinbase for several years now with a balance of no more than ~ {$1500.00} and I recently purchased {$17000.00} worth of coins. The whole time I've had my Coinbase account, it hasn't been accessed without my permission until Monday ( XX/XX/XXXX ) and I had my account disabled since then. I'm being denied access to my own account and I find it very questionable that my account has only had an incursion when there was a drastic amount of funds purchased into my Coinbase account. The only method Coinbase provides for support is via email trouble ticketing and I've followed each step necessary to enable my account and to obtain rights to my own funds ( if my funds haven't had an unsanctioned transfer ). I've requested numerous times to be granted access so that I may determine the extent of damage/stolen coins within my account, but Coinbase refuses to do so. I have had my identification positively verified by Coinbase and I've followed each step set by Coinbase so that my account can be reenabled. Since Monday ( XX/XX/XXXX ) and until now ( XX/XX/XXXX ) I have no knowledge of or ability to verify my funds within my own account and Coinbase has refuse to help determine if any unauthorized fund transfers have occured. I believe Coinbase has both a questionable and unethical practice that is either centered within an individual at Coinbase or as a collective. No one ( other than myself and Coinbase ) has knowledge of my funds within Coinbase, yet my account had a breached when a serious increase in funds to which I've been denied access to my account after said incursion. My account has been stolen in more ways than one and I've lost all rights to my account as the owner. My account thus far is stuck in limbo with no method or date of release back to myself even after full verification of identication has been established.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
We filed for bankruptcy in XX/XX/XXXX and at that time, our mortgage was being serviced by XXXX XXXX. Any past due amount owed to XXXX was paid as part of our Chapter XXXX plan and our account was brought up to date. Then in approximately XX/XX/XXXX, Greentree acquired our mortgage, which then eventually changed names to Ditech. It was during this transition that a missed payment must have occurred or was paid later than normal, which caused our account to become past due. It was also during this time period when there was some confusion as to what our monthly payment should 've been. We received an Escrow Evaluation for our mortgage in XX/XX/XXXX, which showed our new estimated monthly payment to be {$1800.00}, when in actuality, it remained at {$1900.00}. So for many months, I was under-paying our mortgage, not realizing the amount on the Escrow Evaluation did not reflect what was actually due on our account each month. It is still unclear to me as to why our payment remained at {$1900.00}, when the evaluation clearly stated {$1800.00}. Also, because of our bankruptcy, monthly statements from Ditech only showed payments made and not what was due or any past due amounts. It was not until just prior to our discharge, we learned of our delinquency. If this was brought to our attention much sooner or at least shown on monthly statements, we couldve had the opportunity to bring our account up to date. 

We want to remain in our home and have tried to work with Ditech. We have continued to make our monthly payments on time but are still behind about 90 days. We requested a loan modification the first part of XX/XX/XXXX and filed all the necessary paperwork by XX/XX/XXXX. They have done absolutely nothing with our account and just keep giving us the run-around by requesting more information that is clearly laid out in our application, paystubs and statements we already provided them. We have still not received a single letter or notification that they are processing our loan modification request. Every time we make a call to Ditech, which is several times a week, they just say that underwriting has not reviewed it yet and will need more time. I think 3 months is plenty of time to make a decision regarding our modification request. We can never get passed the customer service rep that answers the phone, which is a different person each time, so we feel like we have hit a brick wall with Ditech. No one seems to care that it 's been 3 months since we first filed our application. We just want to work out a payment plan with them to bring our account up to date. But they do n't seem to want to help out the consumer at all. We do n't know what else to do. HELP!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: JPMORGAN CHASE & CO.
State: CA
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:
Re : Chase Account Debit card XXXX Card member : XXXX XXXX XXXX Chase Bank has not been responsive to my request for a dispute of a XX/XX/XXXX transaction in the amount of {$690.00}. Not only did they fail to contact me to request information about this dispute, but they also only informed me of the results on XXXX XXXX, and since I reported this on XX/XX/XXXX, their notification to me well past the 90 days deadline. I never received any mail from them either. Company Chase Bank has been unorganized in this process, in my opinion, because their off shore customer service team is not properly trained. 

Furthermore, Chase Bank has failed to notify me at all for the dispute of these other charges : XX/XX/XXXX - XXXX - {$250.00} XX/XX/XXXX - XXXX - {$250.00} XX/XX/XXXX - XXXX - {$250.00} XX/XX/XXXX - XXXX  XXXX PA XX/XX/XXXX - {$150.00} XX/XX/XXXX - XXXX  XXXX PA XX/XX/XXXX - {$200.00} XX/XX/XXXX - XXXX  XXXX  - {$630.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-27
Company: JPMORGAN CHASE & CO.
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: Other problem

Complaint:
My XXXX had XXXX on XXXX XXXX, XXXX in XXXX, FL. I flew from XXXX to XXXX to take care of her. She had complications from XXXX which required her to stay in hospital until XXXX XXXX, then bedrest at home for 4-6 weeks. I stayed with her to cook, clean, make sure she took her medicine, was comfortable, was eating, went to bathroom. As a result of the XXXX complications and bedrest, I stayed in FL and was unable to take my return flight home. 

Chase claims this is a pre-existing condition. Per the Physician 's Statement, this was not a pre-existing condition because they discovered a XXXX in her XXXX just a few weeks prior to the XXXX. Mom needed me, so I stayed in Florida to help her, which meant I was unable to take my flight home. I believe this qualifies as a cancellation due to medical emergency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: Experian Information Solutions Inc.
State: UT
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 is reporting a balance on an account and updating that I settled back in 2017. I have and have attached a deletion letter I received stating this account is settled and should be removed. There is no reason for it to still be updating on credit and it needs to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: RFNA, LP
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing this due to non-compliance with the ( XXXX XXXX XXXX XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: EQUIFAX, INC.
State: UT
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 is reporting a balance on an account and updating that I settled back in 2017. I have and have attached a deletion letter I received stating this account is settled and should be removed. There is no reason for it to still be updating on credit and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened 2 accounts 1 personal account and 1 shared account with them in XXXX. When I opened the account. I do see a new account bonus which is deposit XXXX each account then keep it by XXXX so I can get XXXX dollar. I deposited XXXX total for both accounts. The total bonus should be XXXX dollar. 
And I called them today to verify the bonus. They said I dont qualify the bonus because I didnt open their saving account. What? It is unfair to me. No one tell me I should open the saving account during opening new account when I call them. I need them to pay my XXXX dollar bonus to honor it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid off my Victoria Secret credit card in XX/XX/2021. They have 3 options in their app : pay selected amount, pay due balance, and pay off balance. I selected pay due balance, incorrectly believing this would still pay off my card, as there are no explanations for the differences between the last 2 options. I paid my balance, and they did not include the interest in the reflected balance. The next month I had a past due amount of {$2.00} that I never received any notice about owing. They did not call, nor do they have any contact information on their app. I had to XXXX the phone number, and they confirmed that they never called me about the balance and just recorded and reported it as a late payment. My credit score dropped XXXX points because of poorly worded payment options and a {$2.00} interest fee that they failed to communicate with me. This has caused me to not be able to get a mortgage even though before now, Ive never once had a late payment for anything. Commenity bank, who owns the card, was not only not helpful but extremely rude when I finally figured out how to contact them to straighten this out. The Ohio Attorney General recommended I reach out to you to get this resolved. What I would like to have happen is to have the late payment removed from my credit report. I paid the balance the second I learned about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-27
Company: Peak Acceptance, LLC.
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Untimely response
Consumer complaint received 2017-10-27
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have mailed several written requests to the credit reporting agency to remove all of the listed places of employment from my file. The information provided is incorrect. I have never worked for the XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX or any of the other companies listed in my report. The credit agency has failed to honor my request and remove this false information from my reports. It is causing issues for me when I go thru security screenings. I am asked very often to verify time period for places of employment that I have never worked. The credit agency needs to remove this erroneous information as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Diverse Funding Associates LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XXXX of XXXX I was contacted by XXXX XXXX XXXX to settle a XXXXXXXX XXXX credit card account. I was advised I could make a pay agreement and when the account is paid in full it would be removed from all credit reporting agencies. The account was paid and settled in XX/XX/XXXX. It is still reporting on my credit report. I have disputed this many times as paid and it keeps coming back verified and never paid. I connected XXXX XXXX solutions in XX/XX/XXXX ( XXXX ) advised would follow up with all 3 reporting agencies to have this removed. Then I was emailed another letter confirming debt was paid for my records. The following month in early XXXX still reporting on my credit report. I called all 3 reporting agencies filed another dispute gave them contact information ( name and phone number of direct person to contact ) sent them the PAID letter. On XX/XX/XXXX another letter from reporting agencies stating this is verified as accurate and it has not been paid. Another call ( XX/XX/XXXX ) to XXXX XXXX XXXX ( XXXX ) spoke with " supervisor XXXX '' advised he is not sure as to why its reporting not being paid all his records show account is paid and it has correct account number listed. " XXXX '' then gave me the number to his " client to call and see if they have been contacted regarding any disputes. And they will contact reporting agencies to have it removed. Number given to me by " XXXX '' Diverse Funding LLC XXXX. Called Diverse Funding LLC and was not able to speak with anyone using the website on their voice-mail obtained number XXXX. Same message on previous line they are busy and call another day or go to website www.diversefunfing.com and someone will get back with me. Did not see were I am able to leave message to dispute a problem on website. This has been reporting incorrect on my credit for 2yrs. Contact anyone and having paid letter is getting me nowhere. I am moving in XX/XX/XXXX and I want this removed to assist in boosting my credit for a home purchase. 

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 2021-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
On XX/XX/2018 my bill for account CAPITAL ONE BANK USA did not go through when it was on the auto-bill in the bank XXXX. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment.

Company response to consumer: Closed with explanation