BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-01
Company: AMA Advisors, LLC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
First of let me say for a manager to start yelling at a customer is beyond belief. I reluctantly dealt with XXXX and it was one of the worst things I could do. She constantly made excuses, would not call me back or answer questions. I got answers from another lender. She told me that I did not qualify for a loan because the loan to debt ratio was XXXX. Another lender told me XXXX, and I called her numerous times because I wanted to know, would I qualify if I paid off my XXXX car loan. So it would not be considered debt if it were not there. She never even mentioned any other options after running my credit. She is unprofessional, rude and loud. She got angry because I questioned her lack of customer service, went off on me as though she was some street fighter and frankly she only embarrassed herself! Please allow me to send you the emails where she tried to send me to another company. I did not want to deal with her ecause of her poor customer service and you will see that in the emails. I cant believe you have such an unprofessional person in your employ. I would like to speak to the President of the company. She lied and manipulated me into allowing her to r run my credit information. I sent her all of the documentation and she claimed that she looked it over BEFORE to see if it were feasible to run my credit which I do n't believe she did. All she was interested in was running my credit. Also to try to send me to another lender without even trying to earn my business is disturbing. The emails outline the fact that she was ignoring me and I had to get answers from another lender. She never even gave me any alternatives to make the loan work. 
despite all of this, no 'PROFESSIONAL ' has the right to yell at a customer., tell them anything to run their credit then abandon the customer Here is her information XXXX XXXX , Sales Manager/Mortgage Loan Originator, XXXX # XXXX HomeBridge Financial Services , Inc . 
XXXX Member Preferred Lender XXXX XXXX XXXX XXXX XXXX, NJ XXXX o : XXXX c : XXXX f : XXXX e : XXXXXXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I am currently being sued for a debt threw Lvnv Funding LLC for a apparent debt for a card XXXX a debt that I believe my ex wife took out in my name while she was a girl friend just be for we was married and I gave the attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX phone number XXXX XXXX XXXX the information of who I suspect committed identity theft along along with another credit card paper threw XXXX XXXX that completed an investigation and found no cause of me activation a card threw them and completing there investigation and closing it.Also with suspected ideas of how my information was found to be used from old XXXX tax 's forms and old job applications and they have yet to believe and insist to still proceed with sueing me I have also requested documentation for the activation of the card and something with my signature showing that I was then XXXX that has opened the account as proof that it was not me and it was someone using my information and they have yet to provide such documents so I request for a full and thoroughly investigation to help prove that I am a victim of identity theft please and thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-19
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX of XXXX we filed Chapter XXXX Bankruptcy and walked away from our house because we were under water. In XXXX we finished the bankruptcy hearing and were in an apartment since XXXX XXXX. We never gave the keys to the bank because we were told that there may be programs that could help us save our house. We were denied for a couple of months until after XXXX XXXX XXXX we were offered a XXXX Modification. 
We then went through a series of 3 month trial payments that took 2 years to finally complete. XXXX of the things that the modification required was that we showed proof that our 2nd Mortgage was removed. IndyMac had our XXXX at the time and we had a balance of {$190000.00}. Thy sent a XXXX showing that the debt was charged off. This was enough to satisfy the modification and we were approved. 
Now we wanted to sell our house pay off the debt we currently have and relocate with a fresh start. Our house was in escrow when the title company discovered that IndyMac never removed their lien. This was a complete shock as it never showed on any of our credit reports and we were never sent anything in the mail and never received a single phone call. Even they said that it should be easy to get them to release the lien because they already sent the XXXX. 
I called CIT which bought IndyMac and they originally said that it should be all taken care of. Then they said they sent the XXXX in error. Then they back tracked and said it was n't an error and that I do owe them, unless I have a XXXX modification which should protect me and they could give me a lien release if I could show that it was a " performing '' XXXX which means that I have been paying and it is current ( which it is ). I sent them the loan paperwork and payment history. They said that should be enough and would send it in for review and we should have it all taken care of. Instead they called back the next day telling me that the pool of investors that my modification is in will not release the lien. All of the other pools of investors will release liens just not the one that I happen to be in. This is crazy and does not make any sense. I need to have this lien released so I can move forward with my life. If it is n't I am facing another bankruptcy because I can not sell my home with this lien ( it would have to be a short sale ). IndyMac got bailed out so technically they already got paid. Can you help me get this lien of my title so I can sell??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Affirm Holdings, Inc
State: CT
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:
I am disputing inaccurate information affirm continues to report to credit bureaus. Its been over 60 days since paying off loan. 
Affirm still continues to report inaccurate information to credit bureaus I have open loan with revolving balance account open. Numerous calls to customer service refuses to look into problem tells me not much they can do. 
I'm requesting affirm immediately report this account closed and paid off with credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
on XX/XX/2022 I extended my credit to American Express and I was denied and discriminated against! ( Exhibit A ) I also uploaded the letter that I sent to them ( Exhibit B )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XX/XX/2020 $ XXXX This debt was a result of fraud that I paid. I do not owe this debt and has been paid.

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 2021-01-15
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Following over two month and endless financial documents uploaded, this loan application with Quicken loans never closed. They provided no information, update, or any insight as to why this loans was held up in a perpetual never ending process. I was mislead and lied to as to the terms of the mortgage without any explanation. I was assessed points and higher closing costs without any explanation. I final today demanded to cancel this loan application. They could care less!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-15
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
I registered for the PayPal promotion at https : XXXX while it was still ongoing approx XX/XX/XXXX. 

The promotion offers a {$25.00} cash reward after three purchases of {$35.00} or more using PayPal at XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX. 

I made the 3 purchases at XXXX between XX/XX/XXXX - XX/XX/XXXX, but did not receive the advertised reward. The promotion was still listed active on XX/XX/XXXX. 

Initial support contact was on XX/XX/XXXX when the offer did not show completed/pending. I was told there was an issue with it and to give it a week. 

Paypal customer support has been contacted on XX/XX/XXXX and XXXX. Responses include " We did have a known issue going on with our promotions not paying out correctly and our technical team is working to resolve it as quickly as possible. '' and " This is a rare and isolated incident and I'm sorry this happened to you. I have made an escalation to the product team and were working on improvements, based on your suggestion, right away! '' however, they have closed the support requests and refused to honor the terms of their offer. 

Chats and qualifying transaction ID numbers are attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
i XXXX XXXX have been a victim of identity theft and just learn about this accounts listed in my police report. they do not belong to me and have never gave anyone permission to open these accounts. thats why i filed a police report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: DC
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:
lam a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX I XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: U.S. BANCORP
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, we deposited a large check payable to the IRS in a US Post Office mailbox on Post Office premises. In reconciling our US Bank checking account statement covering XXXX of XXXX, we discovered that the check had been altered, deposited by an individual unknown to us, and charged to our account. We contacted US Bank and they emailed us forms to fill out to report the crime. We delivered the forms by hand to the XXXX XXXX office of US Bank in XXXX, TN on XX/XX/XXXX. XXXX Bank conceded readily that the check was obviously altered but has refused to recredit our account. We have communicated with US Bank many times since XX/XX/XXXX by phone and email. As of XX/XX/XXXX, despite our continuing demands, our account has not been recredited for this stolen and altered instrument.

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 2021-03-12
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am filling a complaint in the manner in which my account was handled. I had a Comenity Bank Credit account on behalf of WayFair. I was eager to have this account as it helped my XXXXredit score significantly as I made payments on time and even in advance. I was blind sided in XXXX of XXXX when I found out that WayFair and Comenity Bank would be severing their ties and my account was closed. I found this out when I looked at my credit report and found that my credit score dropped significantly due to the decrease in the number of open credit accounts, seeing as my Comenity credit limit was at {$4000.00}. I also noticed that the Credit Bureau was reporting that my balance was {$0.00} with Comenity/WayFair. I called Comenity in XXXX to get clarification on the matter and the representative was not sure as to the status of WayFair and Comenity and why my Credit Report was showing a {$0.00} balance. In XXXX the status on my report has remained at closed for the account but is showing that I have 3 month past due balance of $ 150+. So not only has my score decreased significantly after paying on time from the beginning of my relationship with this Bank but it has also affected my on time payments reported to the credit bureaus. I've called a Bank representative and paid the account down. However, I do not feel that with this current situation of my credit due to the closure of the account that I can even apply for credit with any other company. I've also found out that WayFair offered a new card with their new creditor to some of their clients but the offer was not extended to me even though I had 100 % payment status.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: CONTRACT CALLERS INC
State: CA
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:
I had filed a complaint XXXX : a collection account for XXXX that was being handled by ICS systems and they did remove the dispute from their system and they said they closed the case and that they made the correction to the credit bureaus. So in reviewing my credit it has dropped from XXXX to XXXX and the new credit collection agency called contract callers now is reporting this incorrect information which has Transunion giving me a XXXX FICO. Well I called and they put me on the line with the person but she was extremely rude and kept calling me sir sir after I told her this is not a sir. She just kept telling me sir so I asked to speak with a supervisor and he got on the line and began to call me sir and then hung up. I do not owe XXXX to XXXX for a address XXXX XXXX XXXX XXXX, CA. XXXX. This problem had been resolved with PGE and I stand a XXXX % correct because the owner of the property was illegally billing my account. I have never missed a payment for XXXX years and I have established a great trust with these credit XXXX XXXX and I wish to maintain that. 
there number is XXXX and it is for {$210.00} for 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 2022-10-14
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: Personal information incorrect

Complaint:
I called Experian to let them know there are 2 incorrect addresses on my credit report and they have yet to have the addresses 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 2021-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I, XXXX XXXX entered into a consumer credit transaction with CapitalOne on XX/XX/2020. 

CapitalOne did not disclose to me on the statement received of debt and a statement that unless I, the consumer, within thirty days after the receipt of the notice, dispute the validity of the debt, or any portion thereof, the debt will be assumed to be valid Pursuant to 15 USC 1692g ( a ) which is in fact a violation of 15 USC 1692g under the Fair Debt Collection Practices Act. This is proved in the attached exhibit ( s ) attached. 

I sent a letter to CapitalOne demanding validation of debt, requesting the name and address of the original creditor pursuant to 15 USC 1692g ( b ) on XX/XX/2020 but CapitalOne failed to furnish the requested information. CapitalOne replied to my CFPB complain instead with verification of information that I used to open the account. I have proof in the attached USPS return receipt that CapitalOne received my letter and disregarded my request. This is in fact a violation of 15 USC 1692g ( b ). 

The transaction in question is a consumer credit transaction in which a finance charge is involved pursuant to 15 USC 1602. The attached exhibit ( s ) proves CapitalOne misrepresented the character and amount of debt which is a violation of 15 USC 1692e ( 2 ) ( A ) The attached exhibit ( s ) proves that CapitalOne used obscene and profane language in their attempt to collect a debt which is a violation of my consumer right pursuant to 15 USC 1692 ( d )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
On or about XX/XX/XXXX, a vehicle I financed through Capital One Auto was repossessed. The vehicle apparently was resold at some point, which I was not made aware of by the company. I have contacted Capital One and all three major CRA 's on multiple occasions beginning around XX/XX/XXXX and informed them balances and the historical reporting was erroneous. I was not made aware of the date or amount of the resale. I do know, as does all other parties involved, under PA law, UCC Section 9.506 and State RISA and MVISA statutes " A deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to ''. I still, as of this date do not know when the vehicle was resold, how much it was resold for, nor what I would I be able to redeem the vehicle prior to resell. 
In addition to the Federal Laws violated after the repossession, Capital One and the company 's agent, PA XXXX XXXX violated numerous laws from the beginning, when I first got the vehicle. There were several noticeable violations present which would have nullified the contract from the beginning, pursuant to the Truth in Lending Act, most important being, the right to rescind the contract. As well as, the fraud committed by the company and their representatives, by taking a cash payment as a deposit and failed to mention that my finance charge was all I needed to complete the deal. There were many violations committed by Capital One, and upon contacting them they continued to report this delinquency and repossession on my credit, which such Adverse Action against a consumer is against federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: PNC Bank N.A.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was a customer of a local bank named PNC and I had a personal checking account. When I went to close my personal bank account, the bank issued XXXX cashiers checks. Both checks bounced when deposited into another financial institution. After informing the bank that their cashiers checks bounced, the bank ( PNC ) required me to return the cashiers checks, before re-issuing new valid checks. Because the cashiers checks had been destroyed, the bank has refused to reissue new checks and has not refunded my funds after more than two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2020 there was two payments taken out of my bank acct to pay my m ort at XXXX XXXX XXXX XXXX XXXX when bank of America was contacted they acknowledged that two payments was made and said that the extra payment would be credited back or applied to my XXXX m ort payment bother happened {$800.00} is the amount to be credited or applied to XXXX m ort payment moving forward nothing has happened to date concerning payment which is causing late fees please help 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 2016-07-26
Company: STERLING JEWELERS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
phone call was made to me by " XXXX '' threatening jail time for an unpaid balance. A debt I do owe but not to this business. " XXXX. '' somehow got my credit report and used an outstanding balance to get money out of me and was successful to the tune of {$1500.00} on XXXX XXXX 2016. Satisfied the bill was paid I did not pursue the matter until a XXXX call came in stating I owed more money on XXXX XXXX 2016 ; I know I did not! When I asked for proof they hung up and I tried repeatedly to get ahold of them since and have been very unsuccessful. Can Consumer Financial Protection help me?

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