BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-14
Company: Carvana Group, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I applied for a vehicle loan at Carvana on XX/XX/XXXX. The next day I was advised that I just needed to have my Chapter XXXX dismissed and re-submit the application which I did on XX/XX/XXXX. When I went to re-submit, they were having technical issues that prevented the submission ( code 400 ). The customer advocate submitted a tech support ticket and the issue was resolve on XX/XX/XXXX. 

I successfully re-submitted as was told that I just need to submit additional documents by XXXX XX/XX/XXXX. At XXXX XXXX on XX/XX/XXXX, I sent in the requested documents ( insurance affective for XX/XX/XXXX and XXXX income documents. ) At XXXX XXXX but was not able to delete the old documents, therefore having duplicate documents attached. I then contacted customer service to verify. 

Later that evening at the end of their business day, I received an email from underwriting stating that I DID NOT MEET THE DEADLINE. I contacted a customer advocate, supervisor and team leader who ALL stated that they did not see why the underwriter did not open the updated documents. I told them that it ha to be either more technical issues on their end or the underwriter was rushing to leave for the day. After escalating to management, I was reassured at XXXX on XX/XX/XXXX that " no worry-you will receive your vehicle on XX/XX/XXXX as expected ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: U.S. BANCORP
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have a tax return from DC for {$510.00}. I received a reliacard in the mail that was thrown away due to my expectation of a check form of payment and assuming it was an advertisement. I have called 2 numbers for usbank reliacard and have not been able to speak to anyone due to the call hanging up on me after 45+ min of waiting. I have been calling these numbers for the last 1.5 weeks. I need a replacement card sent to me. Please help

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 monetary relief
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I called and disputed online to all three credit bureaus about unauthorized credit inquires on my credit report. The bureaus refuse to rectify the matter. 

The policy states that this is only permissible for the purpose only for a. firm offer of credit b. Insurance c. a court order d. employment On my report none of theses inquiries fit the above purpose. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX. Inquired on XX/XX/XXXX XXXX XXXX. Inquired on XX/XX/XXXX XXXX XXXX. Inquired on XX/XX/XXXX XXXX XXXX AXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX. Inquired on XX/XX/XXXX XXXX XXXX. Inquired on XX/XX/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 2021-11-12
Company: Dovenmuehle Mortgage, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My escrow is short money. I tried repeatedly to get a statement about all monies paid into and out of my escrow account to no avail. They responded only by saying they need more time. Its been weeks now. I will call the CFPB # on Monday to talk to someone at that agency. 
If I get no help from you my next steps are the Attorney General, XXXX XXXX XXXX. XXXX XXXX, who owns the loan, and a private attorney. They are stealing money and mismanaging my account. 
Start calculating from the day you took over, XX/XX/2021. My escrow balance on XX/XX/2021 was {$2700.00} + XXXX XXXX + XXXX XXXX ( XXXX ) XXXX. 
Minus 6 mo XXXX, ( XXXX ), and XXXX taxes ( XXXX ) = XXXX THIS IS MY CURRENT ESCROW Account ending with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: Experian Information Solutions Inc.
State: KS
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 have yet another inaccurate account being reported on my file, as such I was turned down from XXXX XXXX XXXX XXXX  because of a 30 day late on a XXXX  Card underwritten by notorious liar XXXX  XXXX XXXX/Retail Services ( use to be XXXX XXXX  ), I have reached out numerous times, as the account has Zero lates aside from this contrived one. I have never been late always paid in time. In fact for many years, and have run thousands throughout the account and never carried a balance! I want this fixed immediately as I have been harmed!

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 2020-06-21
Company: EQUIFAX, INC.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax, XXXX  and XXXX  not responding properly to false and incorrect information on my credit report that is related to XXXX XXXX loan. My address has been the same for 7 years and the address I use on my IRS tax forms so that neither Equifax XXXX  or XXXX  can use the excuse that my address doesn't match when it does in fact match and they have mailed me copies all three of them recently of my credit report. There is incorrect information that is inconsistent across all three bureaus and I am disputing and taking to court XXXX for their illegal practices and contract violations. The credit bureaus need to ensure that when a company submits data they are doing so accurately. With XXXX auto loans all they would have to do is look at my original loan contract and they would see that XXXX is falsifying documents and lying about the information. For example my loan was only a 72 month loan and documented on a contract. However, all 3 credit bureaus report the loan length at 80 months. Also, the account has not been charged off but paid in full. Dates, term amounts, amount owed and status are all inconsistent across all bureaus. The credit bureaus need to validate their source of information. I want all documents associated with XXXX XXXX XXXX that each bureau has recieved to validate the debt, sent to me within 30 days. 

If the credit bureaus can not validate the information they have to report the data on my report my next step will be legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The accounts for XXXX were closed and the debt has been i paid in full, accounts show still owed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: WELLS FARGO & COMPANY
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I contact ( XXXX ) Wells Fargo Dealer Services on Friday XX/XX/XXXX at XXXX XXXX and told them that since the beginning of the loan, I notice that all the extra money beside my payment isn't going toward my principal amount! Instead I'm paying for the daily interest if that extra money doesn't go towards the principal! I even send in a separate check from my payment that clearly said Principal Payment in the memo! 
So on Monday XX/XX/XXXX I sent in another separate check and wrote principal payment on it again and today I check again online and notice that they are doing the same thing again, not apply that principal payment towards the principal amounts. I don't want to call them every month and tell them to do their job, when it clearly said on Wells Fargo Dealer Services website that if I want it to go towards the principal, just have it written in the check! Even the representative that I spoke with on XX/XX/XXXX even told me that if the amount on have on my payment check is larger then the payment itself the extra will go towards the principal, but I clearly told her that have not been happening in my case at all! So I told her that the next time this happen again I will be filing a complaint with the CFPB!

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 2020-06-03
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
debt is not owed. I have no proof of debt being owed or correspondence from creditor.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The following documentation demonstrates that this third-party debt buyer is not reporting accurate information and is failing to report information correctly and therefore is violating the FDCPA and the Fair Credit Reporting Act. In addition, since the debt is from XXXX this account has passed the 7-year limit from date of charge-off under the Fair Credit Reporting Act [ 15 USC 1681c ( a ) ( 4 ) ] to report a collection account. However XXXX, XXXX and XXXX XXXX keeps reporting inaccurate, false information to all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Navy Federal h ired an incompetent  appraiser  and is failing to work with me in good faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I really need someone from the  executive  office to return my call.  XXXX   XXXX ,  XXXX   XXXX  or his assistant. No one from Bank of America will help me. When I ask for a supervisor they hang up. Simply because she is in the Merrill Lynch branch. I called back and  XXXX   XXXX  said he did try to send his supervisor but advised that his supervisor would be too busy to call me back. I wanted to complain about the unprofessional behavior of  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 2022-04-03
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Td bank use a auto dialer to contact me multiple times a day about my closed account and my secured credit card as per ftc, fcc also As per section 47 CFR 64.1200 ( A ) ( 1 ) THE USE OF AUTO DIALER MAY ONLY CONTACT A PERSON HOME PHONE AND NOT A CELLULAR PHONE DEVICE TD bank did not have my written or oral promission to contact me by this way they have call me several times a day all different times a day I do have my cellphone records and if my request is not granted I'll be force to file a complaint against td bank by court with the help of a attorney I would like to only be contact by email by the response of td bank

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am very sad and dissatisfied at capital one because I have work very hard to become current with all my 3 credit cards with capital one I have done payment for he past 3 months and this people decided to restrict my account now one is already back to normal but I was charge an annual fee for 2 cards the one ending in. XXXX and XXXX the reason of why I fall behind on my payments is dude to an emergency that is been going on for so long my grandmother and grandfather health issues this was a temporary thing but now it has expanded as both of my grandparent were having health issues once again and it is impossible for me to give a higher payment every month to bring my account Down as much as possible I have tried my best and I even got enrolled in to a program that supposedly was helping me out but in reality it is not the interest fees and cash advance fees are killing me for every minimum payment I make once he interest charges hits or cash advances hits the balance increases and he balance doesnt goes down much. I spoke to a female supervisor that said she would look out and see my options but she only call me once and nothing was settled I explained her my situation financially as I been struggling for both of my grandparents health problems I concider them like my second parents I called them mom and dad. All I want is help from capital one and see if they can please wave me the interest fees and cash advance fees something that can help me out. I am happy to be part of capital one because its been. While but sometimes I feel like they dont really care wen it comes to problems wen customers struggle financially like Im doing at this moment I also want all my accounts to be not restricted they said they will re open them after I completed 3 payment I have completed at least 3 to all accounts if Im not mistaken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Credit Corp Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This is a factual statement of record made by a natural person, consumer, I am XXXX XXXX XXXX. I do not consent to XXXX verification. Upon receiving your unrequested notice dated XX/XX/2021through XX/XX/XXXXmail, as a natural person protected by federal law I noticed a number of direct violations to my consumer rights. Pursuant to XXXX XXXX XXXX ( XXXX ) the deceptive attempt to collect an alleged debt is a violation of federal law. A debt collector may not use unconscionable means to attempt to collect any debt. Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of mails or by telegram. Your hideous logo is in violation of XXXX XXXX XXXX ( XXXX ). Furthermore, XXXX XXXX XXXX ( XX/XX/XXXX states you are not to contact a natural person without prior written consent or a court order. I gave you no authorization for you to contact me and you are in violation of federal law by doing so unless you are able to produce a judicial ruling for my inspection that gives XXXX XXXX XXXX XXXX XXXX XXXX XXXX permission to disregard federal law. In response to your negligence, pursuant to XXXX XXXX CODE XXXX - Civil liability ( XX/XX/XXXX ) amount of damages except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of- ( XXXX ) any actual damages sustained by such person as a result of such failure ; ( XXXX ) (XX/XX/XXXX) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {XX/XX/1000}. Below is a list of your violations and attached is an itemized bill of particulars for immediate payment within XXXX days of receipt of this notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Experian Information Solutions Inc.
State: NY
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 previously notified Experian that I am a victim of identity theft. They're response was that I didn't give authorization, which i did because I checked off the box that asked me. so again ... I give authorization to Experian to look into this claim on my behalf

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 2017-06-12
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My name is  XXXX   XXXX . I applied for the Tennesse e Housing Development PRRPLE Program.   This is a mortgage reduction program that assist homeowners who have had a major change in their life such as divorce or death of a spouse. My husband died  XXXX / XXXX /  XXXX  . Due to my loss of income, I applied for this program submitting documentation over  a 2 1/2  month period. I received a certified letter stating that my mortgage compan y, Penny MAC USA w ere not willing to accept the terms of the agreement. They wanted the {$40000.00} but only wanted to do a curtailment. They will not reduce the monthly payment and rewrite the terms which is a requirement for the  PRRPLE  PROGRAM. I have reached out to state and federal representatives. I was told to write your office to see if there is more that can be done. I need help. My monthly income in  XXXX . My mortgage payment alone is  XXXX . This program would be a  XXXX  send for the circumstances that I currently face.   Can you help me?    XXXX  APPLICATION NUMBER :  XXXX   PENNYMAC USA LO AN NUMBER :  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: WLCC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I have sent numerous emails to Explore Credit revoking my XXXX authorization. They continue to pull funds every two weeks. I have contacted my bank to block future transactions and also dispute the most current transaction. 

When I revoked my XXXX authorization they stopped pulling by using my bank account and routing number, but then began making XXXX withdrawals using my bank debit card. I have revoked authorization on both. When I asked for them to confirm they received my email to revoke the XXXX authorization, I received an email from " XXXX '' on XX/XX/2022 confirming they received my requested. 

To date, they have made automatic withdrawals TWO additional times since " XXXX '' responded. 

I may have to close my bank account and cancel my debit card if this continues, all because this company continues to break the law. If they are doing this to me - I know they are doing it to others. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: CL Holdings LLC
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The phone service with XXXX was terminated by me several ( more than four ) years ago. I decided to go with another carrier. I left XXXX on good terms. A few years later I was contacted by a debt collector asking for payment. As we discussed the matter further, it was clear to me that the debt in question was not mine. As the representative shared the address connected to the debt in question, I came to realize the address was not mine ( and never had been mine ). I explained to the debt collector, that they obviously had the wrong person. 
I thought the matter was over. It was not until I saw my XXXX XXXX account that I noticed that this issue was back. Very frustrating!

Company response to consumer: Closed with explanation