BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Back in XX/XX/XXXX I had been laid off and struggled financially the whole year looking for work at many places and took a few jobs that helped prolong my savings while I continued to apply for more positions. It was finally in XXXX of XXXX after my savings was depleted and the couple jobs I worked didnt bring in enough that I contacted XXXX XXXX who we pay our mortgage through to let them know I am going to be experiencing a financial hardship and what can I do ahead of time so that I dont mess my credit up and have to go into foreclosure. They sent me to a department where I make smaller payments but they still marked me as late payments which I feel does not reflect my character and my financial habits which I am very responsible. Thats why I reached out to them ahead of time. I feel that under the circumstances I should have the derogatory mark on my FICO score removed so my score can improve. I am purchasing a business with up money Ive saved up and would like to apply for a business credit card but dont want to apply until I know that once my credit takes a hard hit that it will be worth it.

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 2017-07-12
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase bank closed my account at XXXX XXXX XXXX, no notice, no written notice, nothing, app still looks like my account is fine, they will not let me withdraw my money ( yes balance is positive ) nothing. Husband went to branch, they said 'we have the right to close your account, we are not telling you why ' we asked if we could have money for food, no, we have a XXXX year old who had nothing to eat.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy.

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

15 U.S.C. 1666 B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2020-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Had a Walmar'st credit card and AutoPay setup with XXXX XXXX  . Walmart 's moved to Capital One as the new credit card service around the end of XX/XX/XXXX and I only received notification a few days before my credit card account was transferred to Capital One. I contact Capital One credit card service and Walmart 's Customer Service Department and got no help in trying to resolve my credit card debit of {$430.00} in promotional purchases. Capital One was trying to make me pay {$590.00} that was paid off with XXXX XXXX. I explained to Capital One Rep 's I only used my Walmart credit card for promotional purchases only and never made any regular payments Bottom line, I made several attempts over the phone to make a payment of {$430.00} BUT Each Time Capital One would not accept the payment. In addition, Capital One did not have record of all my credit card statements under XXXX XXXX  who failed to notify me of any debt owed prior to the transfer of my credit card account to Capital One. Capital One only held credit card statements for parts of XXXX and XXXX. Capital One is still charging me past due interest fees for an account that has been closed and not trying to resolve the matter that wasn't created by the customer ( me ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: Big Picture Loans, LLC
State: MI
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I started the loan process but I did not finalize it. Then later I find out they sent the money to my bank account {$400.00} and are taking {$140.00} out three times so far. I had bank stop the transactions but informed me that it is very hard to stop the transactions. This is Big Picture Loans ( formerly known as Castle Payday ) is a short-term loan company offering installment, or personal, loans. This is one of several loan companies operated by the XXXX, a federally-recognized American Indian Tribe. ( In 2014, a US District Judge ruled that the FTC has authority to regulate certain arms of Indian Tribes, including payday loan companies operating under Tribal Law. If you feel that you have fallen victim to a predatory lender, even one claiming Indian tribal affiliation, we advise you file a complaint with the Consumer Financial Protection Bureau ) So that is what I am doing right now, filing a complaint to get this stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I bought a car at a local dealer named XXXX I was told car was clean title vehical. car was not. I brought car back to dealer car was taken back I was givin XXXX bads checks from dealer for my down pmt I gave him. loebell is the lien holder on this vehical .... I gave car back because vehical was sold under false pretense to me, by dealer and loebell financial, I maid four pmts on this vehical plus repairs this vehical was supposed to be taken off my credit report it has not because the dealer does not have money to buy contract back from loebell they will not give back my pmts or repair money I put down I was lied to from onset of deal I gave car back because dealer, HAD TO TAKE IT BACK BECAUSE HE LIED AND I CAUGHT HIM .... loebell wont release me from loan or pay me back the money I paid them, them for fouir months this is robbery I am not respo9nsible for a dealer or lender who falisfys legal docs which is the case by dealer and lender loebell has not been helpful I have been completely abused by every employee there. I w3ant my payments lost time and money back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: Big Picture Loans, LLC
State: RI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out a loan with Big Picture Loans and have them paying a little extra but it is n't coming off the principal it is staying the same. Plus my payment is suppose to be {$160.00} which my and they took out {$170.00}. Plus my loan application date changes every day. I only completed XXXX application and only received money XXXX time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XXXX I had XXXX XXXX XXXX bank fax a request to Navy FCU to electronically transfer {$45000.00} ( approx ) IRA to XXXX XXXX XXXX from Navy FCU. Navy said it would take 3 to 5 business days. an hour later I called Navy to verify that they received the fax ... they did. 
On XXXX I called Navy about not receiving funds at XXXX XXXX XXXX and Navy told me it now takes 7 to 10 business days. However deposits into Navy are immediate. I suspect Navy is using the virus scare to delay withdrawals while having plenty of staff to accept deposits. I wasnt born yesterday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wish to report a Reg X violation on Fifth Third Bank. 
We closed on a home mortgage for our property. The estimated Escrow was $ XXXXmonth. 

Our estimated taxes and insurance for the year are projected by Fifth Third Bank to be $ XXXXyear. Our receipt of the Proposed XXXX Tax Assessment is between $ XXXX {$4500.00} with a current insurance premium of {$1400.00}, which would put our XXXX & I range between {$5700.00} and {$6000.00} which is considerably less than Fifth Third 's estimates. 

We had put down {$4700.00} to escrow on closing. Fifth Third Bank is charging us $ XXXXmonth in escrow. With this value, we will pay approximately {$22000.00} over 12 months for escrow to cover an ~ {$8400.00} Tax and Insurance bill ( using Fifth Third 's higher estimate ). This value is well in excess as allowed by Regulation X 's 12 CFR 1024.17 ( c ) ( 1 ) ( ii ) regarding the amount per month they are charging that is well in excess of the XX/XX/XXXX of the annual amount plus 2 months of buffer. This is even well of excess of the XXXX max limit allowed by regulation. 

I had contacted them on XX/XX/XXXX and requested an escrow analysis. It was declined since they would only perform a new one if the tax projections changed. I called again on XX/XX/XXXX and spoke with an escrow agent and their manager. They both walked through the numbers and said it was high, but the values " were accurate '' even though the manager could not make the numbers work. I asked again to do an escrow analysis, but she said it would most likely be denied again unless the tax projections changed, and I would have to wait until XXXX of next year. 

Their initial books said that when they acquired our mortgage from another company that they would perform a new escrow analysis within 90 days of Fifth Third Bank taking on the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Caliber Home Loans, Inc.
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX nearly a month after a forbearance was expired on the alleged mortgage, I requested a debt validation and verification from Caliber Home Loans Inc. I did so because Caliber never sent an invoice or statement regarding the detail of the alleged mortgage. Also, I request twice over the phone for a loan modification package. Caliber never sent any correspondence regarding payments until I requested a debt validation by certify record and to receive a response by certified records with 30 days of the letter date. I received the documents days past the 30 days. When I received the " debt validation '' I noticed that Caliber Home Loans Inc, did not supply all the required documents. Caliber Home Loans Inc sometimes stated that he is attempting to collect a debt, but they acted as lender in certain communication letters. They never sent a statement/invoice detailing the monthly amount to be paid. I never received a statement/invoice from Caliber Home Loans. Caliber Home Loans sent me a Notice of Default letter dated XX/XX/XXXX threatening to foreclose. In that letter they have not provided all important information such as all the information regarding the creditor, they listed the originating creditor as XXXX  and much more. Furthermore, In the notice of sale dated XX/XX/XXXX Caliber Home Loans did not provide the amount of the debt and statements that I can request validation of the debt within 30 days of receiving this Notice of Sale letter, which is a violation for 15 U.S.C. 1692g ( a ) ( 1 ) and 1692g ( a ) ( 3 ), and many more. I believe that Caliber Home Loans is attempting to collect my personal information from me in order to force me into a contract with them. I observed many inconsistencies/frauds in my inquiries into this alleged debt. Caliber Home Loans have or will be aware of some of the inconsistencies/fraud. There are inconsistencies in the commutations by Caliber Home Loans as well as the alleged mortgage assignment filed in the county clerk.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: ERC
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
ERC ( Enhanced Recovery Company ), is in possession of a XXXX XXXX loan, according to XXXX records. Despite some fraud charges and items/orders I did not receive, I 've attempted to make payment arrangements. However, XXXX XXXX reps would not lower payment amount due. They insisted on a payment plan, but a payment plan or arrangement does not lower actual amount due nor does it waive any late or over limit fees. They were or are attempted to collect a minimum payment of well over XXXX, a VERY unreasonable amount considering the fraud/missing orders and or items. The fraud aspect of the account is due to a cousin with almost an identical name, XXXX XXXX. My name is XXXX XXXX XXXX, he does not have a middle initial or does not use one. He placed a number of orders with an XXXX, orders running into the XXXX. There are also some orders which I did not receive, however, I do not have the company names available to me as I do not have a full accounting of past orders. I do know the majority of the balance is from an XXXX, jewelry orders. This is fraud. He used my computer to go on XXXX, placed the orders without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-08-04
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I, XXXX XXXX XXXX, am submitting this on my behalf without any third parties. On XX/XX/2022, I received a debt collection letter, without my consent, from Helvey & Associates , Inc. claiming I owe a XXXX XXXX XXXX. I do not know them, I do not owe any alleged debt, nor wish to do business with either corporation. Im not aware of how this corporation got my private personal information but it is a violation of my right to privacy. I demand all communication cease or else Helvey & Associates , Inc. will be in violation of the F.D.C.P.A.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Experian Information Solutions Inc.
State: LA
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:
I agreed to do a pay for delete with XXXX XXXX XXXX XXXX. I paid an account of that was charged off to collections. Once I paid the account off, XXXX refused to delete the negative reporting off my credit file with the 3 credit bureaus as they agreed to do so.

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 2020-04-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Franklin American was purchased by Citizens Bank last year. on XX/XX/XXXX, the servicing of my mortgage loan was transferred to Citizens One Home Loans. I did not see the change and my XX/XX/XXXX payment was automatically sent to Franklin American Home Loans. To date, Franklin American Home Loans has not sent that payment to Citizens One to credit the mortgage account. I have attempted to contact Franklin American to determine where that money went, but I get an automated response that states my  account was transferred, then the call ends.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have an account with Coinbase, a  XXXX   XXXX -based   XXXX   trading platform. On  XXXX   XXXX  , 2017, I   sold {$790.00} of  XXXX  from my account. The funds were supposed to be transferred to my checking account within 3-5 business days. As of toda y (   XXXX   XXXX ,  2017 ), I h ave still not received payment.   I have tried contacting Coinbase via email and telephone multiple times to inquire. The company is completely unresponsive except for automated replies that do not address my issue or answer my questions.   I need the money and  Coinbase is  profiting from the float. Please help!   Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: ERC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
THE COLLECTION AGENCY IS ATTEMPTING TO COLLECT ON AN ACCOUNT THAT WAS CHARGED OFF BY THE ORIGINAL CREDITOR IN 2005

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-17
Company: Big Picture Loans, LLC
State: FL
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I received an email yesterday ( XXXX/XXXX/15 ) stating my application for a loan was approved but they needed to verify information. I did not answer as I am a XXXX and did n't see the original email until later. I received a second email informing me that my loan cleared and would be funded to log into my account. I realized that I also had 5 missed calls from the same company. When I called I was asked for my social security number and date of birth. I refused and told them I did n't apply for a loan nor did I want one. I was told that I did apply and they could n't help me without my personal information. I asked for a supervisor and the same person returned to the phone and said the same thing. I logged into the website and there were loan documents that I supposedly signed. My name is not correct, nor my address. The IP address that I supposedly signed is not in the state that I am currently residing nor a city that I ever lived in or visited through a cable company that I have never used. I called my bank to close my account and I had to wait until today when the branch I opened the account with opened for business. I check my account this morning and this scam loan has funded to my account. I called, and emailed the company ( Castle PayDay ) and they refuse to help me stating that I did apply and except the loan. I am a teacher and I was in school in a conference with other people in a different state when I supposedly signed this document.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: HCFS Healthcare Financial Services of TeamHealth
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this debt numerous times with the collection agency. This debt is not mine, it is my daughters. I have sent proof showing that this is not my debt and nothing has happened.

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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
I need help with a dispute that I sent on XX/XX/2022 regarding some inaccurate things on my credit report. It has been almost 30 days and I have not received a response. This makes me feel like I am being ignored by the bureaus. This has caused me a lot of stress and I am asking that these items be removed from my credit report. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-04-14
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was offer free medical assistance for a year but soon as the year was over I was billed even for appointments I didnt make it to. It was sold to a collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: EQUIFAX, INC.
State: DE
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:
SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE. THEY USE MY ID TO OPEN A APARTMENT LEASE IN MY NAME. ATTENTION I AM WRITING TO REQUEST AND INITIATE A FORMAL COMPLAINT AGAINST XXXX, EQUIFAX, AND XXXX CRA & # XXXX, XXXX. On XX/XX/2020, I MAILED EQUIFAX, XXXX AND XXXX TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNTS FOR WHICH I AM A VICTIM OF IDENTIFY THEFT ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO CONDUCT AN ADEQUATE INVESTIGATION AND OR FAILED OR REFUSED TO BLOCK USAGE OF THESE FRAUDULENT ACCOUNTS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITIATE A FORMAL INVESTIGATION INTO POSSIBLE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT AND OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND POSTAL INVESTIGATION FOR OTHER POSSIBLE VIOLATIONS OF THE LAW.

Company response to consumer: Closed with explanation