BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-04
Company: Local Management, LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks dated on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: PNC Bank N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
i had an acocunt with PNC some years ago. this account had disputed charges. many ovr draft fees were assessed to the account. i would like to pay ONLY what is owed and my legitimate charges. i would like an itemized list of charges and overdraft fees need to be delted. im a single mother and i dont have much money. i really want to fix my account with XXXX and PNC never fully resolved account issues before closing the account and assessing unfair fees

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: TD BANK US HOLDING COMPANY
State: DC
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In 2010, a rental car company in XXXX charged my credit card for a deposit against damages at XXXX rate of exchange and then debited my credit card at a different rate pocketing the difference. I attempted to resolve this with the merchant but to no avail ; when I disputed this with the credit card I was stonewalled, my written letters were ignored, and after repeated attempts to discuss with them, them ( XXXX XXXX ), I closed the account having paid all that was owed except for the disputed amount. I now find that despite my otherwise excellent credit rating, my FICO score is being dragged down and inexplicably affecting my insurance premiums. 
At the insistence of the credit card company, all dispute processing was done on line, therefore little supporting evidence is available. However, I am attaching the final letter that I wrote them concerning the matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: NOVA Financial & Investment Corporation
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX XXXX and his team are horrible people first we get pre qualified and when we find a home we send the loan into underwring then at the last minute they said we were denied by the underwriter. ( no letter of explanation received ) so XXXX promises that he has a different underwriter that he spoke to and we will have no problem getting it right through with them the new company. So now nothing is wright they do n't have any of our paper work they needed everything all over again my credit was polled over 6 times just by them and there making me do all this to my accounts on my credit that it dropped my score so low we did n't qualify for the loan now. I even asked him several time if it do this it wo n't effect my score and every time he said no we will be fine. For his team of loan processor s they are just as bad they will tell us one thing then the next day they say no that 's wrong. So back to the loan underwriters come to find out XXXX XXXX left nova home loans the original company we were dealing with and started at XXXX is the same time our loan was denied and our file was sent to XXXX still have yet to receive a letter of explanation for the reasons we were denied in the first place I thought that was required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a discharged chap XXXX, and since that Ocwen Mortgage stopped reporting my payments, so now appears that I have no home loan, and no pay history, and my balance is not correct, they seem to not want to fix this, all I get is we will investigate well XXXX will be a year, it does n't take that long to investigate. All last year I made XXXX payments to them, my payment is only XXXX. This year so far making XXXX payments to try to pay them off quickly as possible. I need my credit report to reflect payments, and current bal, and that I am still paying them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
I originally opened up a XXXX Credit Card offered through my bank " XXXX XXXX XXXX XXXX XXXX ''. This account was opened in XX/XX/XXXX through XXXX XXXX XXXX XXXX XXXX as a member of the credit union. At some time thereafter, XXXX XXXX XXXX XXXX XXXX discontinued their offering of this XXXX Credit Card. In XX/XX/XXXX, I was notified by XXXX XXXX XXXX , XXXX representing Bank of America requesting payment that was owed to Bank of America. I had never been notified that my XXXX Credit Card was transferred or bought by Bank of America as I was notified by our bank XXXX XXXX XXXX XXXX XXXX that they no longer will be offering the XXXX Credit Card. Nor did I ever receive a statement from Bank of America requesting any payment owed on this Credit Card. At the time of the discontinuance of the credit card by XXXX XXXX XXXX XXXX XXXX, I had paid off all debts through that Credit Card. In an effort to bring this matter to a close, I came to an agreement with XXXX/Bank of America where we agreed to a full settlement payoff of {$100.00} ( settlement letter dtd XX/XX/XXXX ). The issue is that this incident is showing up on my and my spouse 's CREDIT REPORT as a " SERIOUS DELINQUENCY ''. I ask that this incident which was paid off in agreement in the amount of {$100.00} be removed from my credit report. I contacted Bank of America directly to ask that they remove this incident from my credit report but they said that I would need to file a complaint through the XXXX Credit Bureaus for them to consider and they referred me to the XXXX credit reporting agencies which they then referred me to your website as they could n't address my request to have this incident removed from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have contacted Transunion, XXXX and XXXX  many times about unauthrized inquiries on my credit file. They either don't respond, or they send me a very vague letter of response.

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 2021-03-04
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX, Equifax and XXXX have all been reporting inaccurate information on my credit report that has been affecting me negatively. I've been sending in dispute letters for XXXX XXXX Account Number : XXXX it has been disputed several times for inaccurate information and still hasn't been removed. my latest letter was sent XXXX they are violating my 609 fair credit act rights and I would like you to make then remove XXXX XXXX Account Number : XXXX from all my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XXXX XXXX chime closed my account. I emailed them they told me to contact XXXX XXXX. So, i called them they send me back to chime. Chime said i validated one of there policy nad they closed my account and denied me my funds. I called the VA to get me a new check sent they said they can't. I have bills were due on the first of XXXX. Bills are truck payment, car insurance, cell phone bill, private student loan, internet bill. I can't order part for my truck i don't have money now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have three credit cards which are very rarely used. The card in question is a XXXX Bank of America card. It has a {$1000.00} limit. I have never been late with this and usually pay ahead of time AND in full. I recently paid off over {$80000.00} on my kids loan. Our family income is over {$100000.00}. According to the XXXX credit report, everything shows OK ... yet Bank of America refuses to increase my limit ( I requested a {$5000.00} limit ). The reason for this ... we go on cruises. If I use this credit card ( which I always have the money to back it up and pay when due ) I get reward points toward future cruises. I believe that Bank of America ... where we do our banking AND my wife has her XXXX pay check direct deposited ... is discriminating against us for some reason. There is no logical reason to deny an increase to AT LEAST {$5000.00}. I tried to file a dispute on line on the XXXX site but it would not work. Your help appreciated. 

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 2016-07-07
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My wife and I recently purchased a used XXXX Hyundau XG form my car mechanic. When I received the title form NY state there was a lien from Hundai Motor Finance, XXXX XXXX, XXXX, GA XXXX. I have also contacted XXXX. I do not know of the prior owner or who held the loan. According to NY DMV, I would need to obtain a " lein release '' or 'Letter of no interest ''. I have requested this in writing and via phone to no avail. They keep telling me it has to come from the owner. I have no contact with the owner nor do I know who they are or where to contact them. There should be accountability upon the finance company to supply a lien release to the last known state where the car is titled. There should also be clear instructions on how to obtain " lien release '' provided to a consumer of a purchased used car. I am now sending another letter to this company to get this required documentation because apparently the address listed on the title is incorrect for Hyundai Motor Finance.

Company response to consumer: Closed
Consumer complaint received 2017-02-23
Company: Cottonwood Financial Ltd.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I was contact by a company claiming to be a process serving stating they were going to file a law suit against me and have be served with papers. When I instructed them that I had consolidation company handling this and they said the company could call them. I then asked for him to provide me in writing proof that I owe his company a debt. The gentleman I was talking to started to get irritated and I then said listen here XXXX. His next words were XXXX and he hung up. He stated the call was being recorded. This same company called a former employer of mine and left a message there stating they were a processor server and that I needed to call them back. The message even included a case number.

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 2021-03-05
Company: KeyBridge Medical Revenue Management
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a debt from a car accident back in XX/XX/2018, which my car insurance paid in full. Plus, I had private medical insurance on file with the hospital to pay any overage not paid by my car insurance. The hospital had this information! This was apparently the only bill not filed, why? I was not contacted or aware of this outstanding bill from neither the hospital, nor the debt collector until the end of XX/XX/XXXX, ( almost one year later. ) I found out about this bill from checking my credit report, at which point, I made contact with debt collector and inquired about it. They were very rude to me as I inquired as to why this was on my credit report. I tried to explain why I dont believe this was my bill, and questioned why it was report before I had a chance to respond? Specially, when it could had been paid by insurance ... They claimed they could not get in contact with me and this was the only way. Which again was false, because the hospital had my contact information! Every bill was paid in full and no other bills were sent to me other than this one regarding this matter after the fact. If this was my bill, it should had been filed with my insurance company. I have disputed this twice to no avail. I even offered to pay half to remove off my credit report. They refused my request to pay half or to work out an agreement to get this removed. Other than wanting the full amount of {$130.00}, which again, I dont agree this is mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: DISCOVER BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hi, I have had a credit card account in good standing with Discover for several years, and was pleased ( at the time of account application, not now ), to receive a promotional checking account offer for a {$300.00} sign up bonus with conditions of sign up by XXXX/XXXX/XXXX, and make XXXX direct deposits within 60 days. Here is the full situation : a ) The application was opened on XXXX/XXXX/XXXX. The final screen said something along the lines of 'pending ' or 'more info is needed ', and it was my understanding ( as with credit card applications ) that a specialist would look into the account and contact me promptly. 

b ) Contact was never made, which was frustrating, so I called in on XXXX, and the account rep told me she saw the application and was willing to finish it. I reminded her of the bonus offer and *she acted like is was still completely good and valid* since I had applied on XXXX/XXXX/XXXX. 

c ) Direct deposits fulfilling your terms and conditions were completed XX/XX/XXXX. 

d ) I sent a secure message ( now unavailable to me ) in XXXX asking when the bonus would post, and the rep told me it would be on XXXX/XXXX/XXXX. He did never indicated that I was ineligible, and he apologized for the inconvenience. 

e ) When XXXX passed, I sent another message ( now unavailable to me since the Discover system deletes them after 30 days ), asking what happened. Another rep told me things would be adjusted within 30 days. There was still no indication that I was considered ineligible. 

f ) I sent in a message yesterday, XXXX/XXXX/XXXX, and was informed that the account was officially dated XXXX/XXXX/XXXX, which is the time of completion and not the time of the application, and I am therefore considered ineligible. This is the first I was told of this. I sent in an application on XXXX in good faith that it would be reviewed and completed, and in my opinion, Discover dropped the ball on it. Not me. 

g ) I then called in. The rep not only told me about the account date issue, but also informed me that I was not targeted. I received a direct mailing, and was therefore, by definition, targeted. They later change their story on this, oddly enough. 

h ) I received another message telling me, Oh, I guess you name is actually on the list (?? get your story straight ), but your still ineligible because of the account opening on XXXX, not XXXX like I thought it was. 

I can not believe that are going to renege on a bonus offer using a petty technicality. It is not my fault for not finishing my account opening in an 11 day window ( XXXX ). That was completely in their court, not mine, after I applied. This is bad business practice all around. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-04
Company: AMERICAN EXPRESS COMPANY
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem adding money

Complaint:
To Whom It May Concern I have an American Express Prepaid Serve Debit Reloadable Card in which I use to make online purchases and conduct online other money transactions. However, I tried unsuccessfully to load ( add ) cash to my card to one of the authorized retailers. It would not allow me to load {$50.00} on Friday, XXXX XXXX at a local XXXX XXXX or Thursday, XXXX XXXX at a local XXXX store. I asked the store clerk why it would not take and they both stated it needed " preauthorization ''. I haven't had this problem before. I've loaded my card sometimes 3 to four times a month with various amounts. It has not reached the maximum limit of ( {$100000.00} ) for the year listed under cardholder agreement fees. There is no email to contact American Express Serve about this complaint, only a mailing address. That will take probably this time next month or many months after to get the complaint and a resolution. The telephone number only gives you certain options and when you try and bypass those options it hangs up on you. They have FAQs but someone would like to talk to a customer service agent to further direct the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To Whom It May Concern : My mom was finally approved for a home loan modification after having to file for bankruptcy after getting into a bad home loan.We then attempted to sell the house to break even with the bank, and finally get from under this house we had the bank provide 3 final payoff quotes, an amortization schedule to make sure that since the house did n't sell we are paying it off in a timely manner, and making sure that this is all good to go. Now 5-7 months after being approved for a modification, being provided an amortization schedule, and paying the mortgage on time ( as well as paying an extra $ XXXX/month which has to go directly towards the principle ), the overall loan pay off amount increased {$7000.00}. Here I am trying to do the right thing and budget accordingly and Wells Fargo how now claimed they made an error?! Although it is in the contract to be able to go back and adjust numbers if they made a mistake, this is now 4 months since we have been completely modified. It 's like the bank never wants me to be able to sell this house back and be able to pay them off. I am requesting an in-depth review of this account by the CFPB as this is absurd and unfair. I am looking for Wells Fargo to forward {$10000.00} directly towards the principle for their mistakes or I will be looking to take them to court. After having them look into this matter they said some money was missed placed in escrow that is there accounting error and my mother and I will not keep paying for wells fargo 's miscalculations after already getting the short end of the stick from the beginning with this bad home loan. 

Thank you,

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 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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've sent request to have information validated and I have not heard anything.

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