BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-19
Company: T.S. Holdings
State: GA
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:
On XX/XX/2021, I sent in a dispute to IQ Data International regarding a collection that was placed on my report. I asked for the original contract stating where I signed with my signature proving that they owe the debt they say I owe. Instead of sending me back what I asked for, they sent me a statement instead. I requested for validation not verification. Furthermore, when reading the letter- I came across multiple violations that this company has endured. 

1. They have listed the interest due and balance due. Under 15 USC 1692 F ( 1 ) states ( 1 ) it is a violation to collect any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

2. Furthermore, under 15 USC 1692 F it states that it is a violation to state the consumer owes any such debt. In the letter that was sent, it reads, " this communication from a debt collector is an attempt to collect a debt, and any information obtained will be used for that purpose. '' 3. In addition to, they have also included a logo/letterhead which according to 15 USC 1692 B ( 5 ) is a violation as well. ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; This is more than one violation that has occurred. I am seeking litigation if this account is not removed. 

ACCOUNT NUMBER :

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I fell behind on my mortgage and applied for a refinance/bailout with M & T bank. I was approved, signed/notarized all the documents, and returned them to the bank XXXX 2015. I apparently missed a signature page and M & T resent the documents without informing me. Someone signed for the documents that does not belong to my household. I have personally experienced mailmen and UPS people switch the numbers of the house and deliver other peoples mail to me. I tried to express to M & T that it was not me who signed for the documents. but they will not resend the documents to me. Instead, I need to reapply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is    XXXX   XXXX    and   XXXX   XXXX   XXXX   Is trying to collect the amount owed of {$1300.00}. I have never disputed owing the money however.   This collection agency has taken over the  Capital one  account. In    XXXX   XXXX  .  They were told my father passed away. I told them I lost my house do to my father 's reverse mortgage. Lost my business. and was unable to pay. they put me on a debt forgiveness due to hardship and did a charge off and hit my credit. which is fine. but now they are trying to restart an old debt. Which I do not feel is fair. I 'm am tired of the constant harassment by this fraud company. And I want it stopped immediately! I am not working so there is no way possible I can pay it back.They will get nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I have contacted Bank of America via certified mai l 4  consecutive times asking them to validate this negative information reported on my credit reports. On   X/XX/XXXX   #  XXXX  on     XXXX     #  XXXX  &amp; #  XXXX  And on   X/XX/XXXX   #  XXXX  after disputing this account with the credit bureaus Bank of America refuse to validate this debt pursuant to the Fair Debt Collection Practices Act. And as you see i brought it to their attention after receiving the results of the  Investigation  per my   XXXX   credit report they said they validated this debt but neglected to mark it as disputed within 30 days of the dispute. Bank of America has yet provided me with any contract bearing my signature showing that I have or ever had some contractual obligation to pay them. But still mark my credit reports with negative marks.

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 2016-07-22
Company: TIDEWATER FINANCE COMPANY, INC.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
We financed a car with Tidewater XXXX XXXX in XXXX XXXX and did well with payments until we hit a financial wall. We then went through their fresh start to remove any past due payments and start over with making on time payments. Our car was repossessed by Tidewater XXXX XXXX in XXXX XXXX three days AFTER we made the agreed upon payment and setup our next arrangements. It was sold within 2 weeks. We offered on many occasions to work out a payment plan but due to lack of employment the amount was significant enough for them to agree to anything. We applied for a mortgage and discovered a judgement on our credit report from Tidewater XXXX XXXX through XXXX County and them filing a lawsuit against us. We were never served any documents and unable to respond to anything in court. The first paper we received was from their attorney that they tried to serve us and were unsuccessful. The paperwork states that someone knocked and no one would answer despite noise inside ( this is false ). The paperwork also states that someone answered the door and said they were our roommate ( again, false. We have never had a roommate and know no one fitting the description that they mentioned ). I did n't hear or receive anything from them until I received paperwork saying that a judgement had been entered by XXXX County Court. Along with the judgement, Tidewater has not charged off the account and still reports monthly to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: U.S. BANCORP
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had fraud on my account XX/XX/XXXX and my husband said he was taking care of it and it the meantime XXXX or XXXX accounts were open in my name that I was unaware of and XXXX stayed open from XX/XX/XXXX until XX/XX/XXXX. My husband tried to deposit XXXX checks in which one was deposited at around XXXX in the afternoon and we were at the bank before they opened to make the deposit but it was already sent and returned overnight. The other was for a job he did and when he deposited it in his account they said it would be available the next day so he deposited a check in my account and it came back so now the branch manager at the us bank XXXX location is closing my account based on this XXXX account even though I have been with them for around 16 years and always in good standing. When I went to the bank I found out that a credit card was charged off in my name that I had no idea of. I tried to explain it to the branch manager XXXX XXXX and he said he wanted proof even though the us bank fraud dept is mailing us a packet and he spoke to the banker who spoke to them. he also said he wanted proof that we filed a dispute with the credit bureaus which they did not send and they said you wont get a response for 30 days. It is my opinion that this guy did n't want to do his job and look at my history because he admitted he was just basing this off this account and he had the right to keep it open according to the operations division that suggested me at a high risk even though I have excellent history with them. When the first check came back they put a hold on the account on XX/XX/XXXX and did not notify anybody and the accounts that were opened were done through direct bank but yet nobody found it odd that someone would open XXXX accounts within a months time and no activity. I explained to him that I just wanted my account open and if it happened again then fine close it but he was not customer friendly at all even though I sat on hold to operations office for a while listening to how us bank is customer friendly.

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 2017-05-02
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is in reference to two complaint file with the CFPB ( Please see attached, I try to submit the notes below via " feedback '' however I kept getting the error message that the page was not found.   Complaints #  XXXX  and  XXXX  Both companies alleged to have sent the results summary was sent to of you for review On  XXXX   XXXX ,   XXXX  , However as of today  XXXX ,   XXXX   I have never received anything from  XXXX  or  XXXX . They have validated the debt with  XXXX  without providing any supporting documents. As listed on the complaint files, my mailing addresss is :  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX , CA  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 non-monetary relief
Consumer complaint received 2017-05-02
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit r does not relate to any transaction   ( s   ) that I have made. It is the result of identity theft.    XXXX   XXXX  Account #  XXXX   XXXX   XXXX  CARD #  XXXX  ASC #  XXXX   XXXX  CARD #  XXXX  INTERNAL REVENUE SERVICE #  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 non-monetary relief
Consumer complaint received 2021-12-19
Company: FIRST HOME MORTGAGE CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
First Home Mortgage has fraudulently chosen to both disqualify the buyer and keep the buyer 's money in the amount of XXXX of the closing costs without delivering the service or enabling the buyer the chance of qualification. The lending agent ( XXXX XXXX ) originally approved the buyer ( XXXX XXXX ) approximately 85,000. credit to purchase a property, in addition to a XXXX grant with a monthly HOA fee of XXXX per month, qualifying the above mentioned buyer approval to purchase. During the process the buyer was working with ( XXXX XXXX ) up until approximately one week prior to settlement when ( XXXX XXXX XXXX the listing agent ), discovered at the end of the contract that he made an error on the listing price of the HOA fee. The fee was changed during the contract from XXXX monthly to XXXX monthly. The change resulted in the buyer not being qualified and XXXX of the funds have failed to be refunded to the buyer and the buyer never received purchase of the property or receipt of the paid closing costs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I bank with Capital One 360. I reported bank fraud XX/XX/XXXX for something that happened XX/XX/XXXX It was still pending and the bank said they could not do anything until it went through. On the next day I did the dispute. They will not refund the money until after the investigation and they get more information proving that I did not authorize the transaction. It could take some 90 days. I have to provide proof of fraud. I do not understand how a bank that is FDIC insured is making we wait to receive my money back. The day I reported the fraud should have counted as day one no matter what. Banks refund customers and not wait until a full investigation that could take 90 days to complete and 2 days to tell you they are investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: Midwest Recovery Systems
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MIDWEST responded by copying and pasting my response as their response which is bluntly saying they do not Care about the law. Keep case Open!     FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law.  Midwest Recovery  has been reporting unverifiable and inaccurate information on my credit which has damaged my credit and I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
This is in reference to two complaint file with the CFPB ( Please see attached, I try to submit the notes below via " feedback '' however I kept getting the error message that the page was not found.   Complaints #  XXXX  and   XXXX   Both companies alleged to have sent the results summary was sent to of you for review On    XXXX   XXXX     2017,  However as of toda y   XXXX    2017 I h  ave never received anything from   XXXX   o r Capital. The y have validated the debt with  XXXX  without providing any supporting documents. As listed on the complaint files, my mailing addresss is :   XXXX ,  XXXX     XXXX   XXXX   XXXX     XXXX , CA  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: REGIONS FINANCIAL CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I signed contract with a scam loan company that call them self XXXX XXXX XXXX to get a loan and I need to send {$3000.00} for down payment on XX/XX/XXXX they asked me to send another {$4000.00} for insurance and then they asked to send more so I told them I would stop the loan because I realized that's it's a scam but they don't want to send back the money and they blocked me all ways to reach them out so I got to my bank should reask the wires I do from the other bank but they didn't want to that I show them prove thats its a scam but nothing and I told them you are partners of the crime because they are stealing money from people but nothing ..... 
By the way they asked me to send the money on different business name that called 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 2016-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Capitol One has placed a delinquent account on my credit report. I have disputed the account and it still remains. I did not open this account nor have I ever used or had access to this account. It was turned over to a collection agency called XXXX and they are yet to remove this item after multiple attempts to resolve the matter. I received a statement from Capitol One several months ago stating this item would be deleted within 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We fell behind on our house payments due to  XXXX  loss and of our business. I have been in ongoing conversations with Chase. I also spoke to our Represenative. We informed her  ans   Chase  we recently rented  1/2  our house out to help pay our mortgage payments. I informed the  Represenative  we were keeping our house. I inquired about modification and she told me to wait  two  months to show the income from the new rental. I informed her we could make a full house payment  XXXX / XXXX /  XXXX  . I spoke with her  XXXX / XXXX /  XXXX  . LAst night I got a call from  Chase  and I was told our house was in the foreclosure department and we would now be responsible for legal fees and many other costs even if we could paid the delinquent amount.   I made it clear, we would complete a modification packet, but was told by our Represenative to wait. On  XXXX / XXXX / XXXX  We were told our loan was in foreclosure. This is misrepresentation and an attempt to charge us for extra fees!!!  Chase  is practicing bad faith and unfair business practices. We do t qualify for Save your Home, CA., our loan is over the {$720000.00}. Amount allowed, but is {$750000.00}.   We simply asked for 5 more business days and for Chase to take 1 payment. We went to great lengths to rent out  1/2  our house, now  Chase  is foreclosing!!! We want this stopped! And we should not be charged extra fees! This is against everything Chase is supposed to do to WORK with homeowners and not TRICK them. They have money to help people like us and have not upheld their obligation.   Please contact us for our loan number and anything else you need. We only want a fair opportunity to save our home!   Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: U.S. BANCORP
State: GA
Product: Credit card
Issue: Transaction issue

Complaint:
I have recently come to the conclusion that I have been victimized by the work from home online business scam and I would like assistance disputing the charges paid to these fraudulent companies.I am requesting all transactions with a company by the name of XXXX appearing on my bank statement as XXXX XXXX be disputed as the services purchased were not provided to me as described.I paid them in XX/XX/XXXX2015 after they contacted me by an unsolicited telemarketing phone call. I have allowed more than enough time to pass and at this point I have come to the realization that they took advantage of me.

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 2016-09-28
Company: U.S. BANCORP
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid off my mortgage with US Bank on XXXX/XXXX/2016. I was tolt that it would be a few weeks before an escrow refund would be processed. After not receiving the refund I called US bank on XXXX/XXXX/2016. They informed me that the refund was processed on XXXX/XXXX/2016 and that I should wait a bit longer for the check. I called back a week later and again informed them that my check had not been received. This time they informed me that they could not issue another check until after 30 days and that if they did, I would have to pay a fee to have them reissue the fee. It was my responsibility since they " mailed the check to the right address. '' This is an unfair practice since every mortgage payment that is mailed to them is the responsibility of the customer until they receive the money. If I mail them a check that " gets lost in the mail '' I not only have to pay the stop payment fee but I would also incur a late fee on the mortgage. The bank should be held to the same standard of responsibility that they hold the customer to. I have informed the bank that I do not have the check and they have an opportunity to stop payment to avoid fraud. I expect that if someone else were to intercept the check and cash it fraudulently I would be out the money or, at least, bear the sole burden of proof that it was n't me. This is also inappropriate given that I already notified them of failure to deliver within a reasonable timeframe.

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 2015-06-26
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Left multiple message at my place of employment with receptionist and my boss stating they are the District Attorneys office and they are looking for me regarding a case against me. They have left this message after leaving messages on my cell phone and after speaking with me and not accepting my payment offer.

Company response to consumer: Closed