BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2022 I paid a large amount on my credit card to bring down the balance. I first paid XXXX on XX/XX/XXXX, Then I paid XXXX on the XXXX, XXXX on the XXXX and XXXX on the XXXX. A few days later I added a few of my friends as authorized users to help them build credit. The next day all four of my cards with Capital one was restricted for use. I contacted them and they wanted to verify that I added the users to the card. I explained that I did and sent in Documents IDs and social security cards and every time I send in something they give me an excuse why they can't be unrestricted. I don't even understand how the other three cards are restricted and no one was even added to those. I asked why allow me to add these people to my account and lock me out from it after. They expect me to keep paying on cards I can't use charging me late fees and reporting bad on my credit for four months now. this is crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: John C. Heath, Attorney at Law, PLLC
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Im client of LexingtonLaw CreditRepair who are assisting me in removing negative items from my credit reports through XXXX, XXXX, XXXX. Who has been with LexingtonLaw from XX/XX/2018 through XXXX XXXX Who paying them {$120.00} each month and my credit scores hasnt reach XXXX or XXXX to qualify for low interest rates to buy a home. Also I am member with XXXX who paying them {$19.00} a month. I am also member with XXXX who pay them {$4.00} a month. LexingtonLaw who connected with XXXX who I am paying {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My credit file has fraudulent activity on it and I disputed it to the FTC and filed a police report. I also added a written statement to the report about the account not being mine. I had my FTC reports notarized in the courthouse. I also added a FCRA 605B ( 15 U.S.C. 1681c-2 ) report to my claim to have negative inaccuracies blocked from my file.The accounts Im disputing should have been blocked and deleted from my account in four days. Unfortunately thats not the case. I havent received anything from XXXX  or Equifax explaining that they are responding to my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Capital one credit card co. Sent me a renewal annual fee for there XXXX XXXX XXXX so I called them and told them that I wish to cancel this card. Capital one representative suggested that I switch to a card with no annual fee however they are still charging me XXXX $ for the previous card and refused to cancel that fee.!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
never answered my request to validate the charges they claim belong to me verbally XXXX XXXX illegally selling the information to two debt collectors who told me they were Jp Morgan mis-representing there true identification in order to collect the debt on the credit card. I filed a complaint to Jp Morgan also with the FTC in writing XX/XX/XXXX, XXXX jp Morgan to answer in a timely fashion in which they never did. I've made numerous calls to Jp Morgan chase in the past Dated approximately XX/XX/18 to present to dispute charges and they said the would investigate they never did only issuing a new card with and carrying over charges and adding to my balance. 
U.S. Consumer Financial Protection Bureau Subjected consumers to collection activities for accounts that were not theirs, often for amounts that were incorrect or uncollectible Saddled consumers with inaccurate credit reporting and improper judgments that could affect their ability to obtain credit, land a job or buy a home Sold inaccurate, settled uncollectible or very old, " zombie '' credit card debts to debt collection firms that subsequently pursued consumers for repayment Filed lawsuits and obtained judgments against consumers using false and deceptive affidavits and other documents prepared without following proper procedures a practice dubbed robo-signing. first card received. first card XXXX ( fraudulent activities,,, XXXX gas stat.ion in the XXXX made a police report and charges from XXXX. contacted jp Morgan chase gave information and they never gave me any information on there investigation they instead issued me another card different account number and roll over fraudulent activities and charges, this has been their practice with other cards issued,,, rolling over balances without investigating past occurrences. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: WESTERN UNION COMPANY, THE
State: TN
Product: Other financial service
Sub-product: Money order
Issue: Customer service/Customer relations

Complaint:
I purchased XXXX money orders for {$990.00} equaling {$9900.00} on Friday the XXXX of XXXX 2016 at a XXXX store. These Money Orders were then deposited into my financial institution account the same day. The Money Orders were approved and processed on Monday the XXXX of XXXX and posted as cashed according to Western Union on Tuesday XXXX XXXX, 2016. Unfortunately on Thursday XXXX XXXX, 2016 these XXXX money order became Returned Deposit Items due to allegedly being 'Altered/Fictitious Items. ' Western Union is aware of this issue and knows it 's their fault but still choose to hold up my money of {$9900.00} due to a '30 day process. ' This has damaged my relationship with my bank and this situation needs to be resolved immediately. I want my check due to me expedited from Western Union, a letter from Western Union written to my financial institution consenting to fault, and a written letter of apology from them. I am not the only person I know of that had this issue. XXXX of the people I know received his check within a week and it has now been well over 3 weeks with no compliance from Western Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a letter from Bayview in XXXX stating that I had successfully completed my loan modification program. It detailed that Bayview would be reviewing my monthly payment, interest, escrow and principle amounts and adjust my account accordingly. Then I would be contacted once this process was completed. 

I am unsure what happened internally in regards to closing my loan modification. As I have not received any additional notification from Bayview. My account is currently showing 3 months past due and I am receiving letters from Bayview about financial assistance. I recently received a letter stating that I have been assigned to a specialized team to assist in bringing my loan back on track. 

It stated that I need to contact them for assistance. I have attempted contact 15 or more times. An automated system states that their office is closed. However, I am calling during business hours. 

My loan is not off track ... My payments have been drafted via EFT from my account each month. I have spoken with several associates and supervisors, in an attempt to remedy this issue. I have been told that tasks and requests have been opened to ensure my outstanding payments are applied. 

Bayview is currently holding {$2200.00} in suspense. I have notified Bayview by phone, their online portal and email. I have requested a copy of my payment history and note in an attempt to facilitate a review and correction. In addition, I have notified them that I would file this complaint if these issues are n't resolved. 

In addition to the payment issues. I have requested that my name be updated as I was married in XXXX. I have uploaded the required documents directly to their website as well as emailed them. An associate did confirm that this documentation has been received, my name has still not been corrected. 

I am unsure how to proceed at this point, as there has been no resolution and all numbers I have tried to call have produced a automated response that the office is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: AVANTE
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have an account reporting on my credit that is not mines. I have never used these services before nor have I giving anyone else permission on my behalf. The information stated in the account is bogus and has no relation to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Experian Information Solutions Inc.
State: AL
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 sent Experian a certified letter on XX/XX/2021 requesting that entries for XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX be deleted from my Experian report because they didn't provide proper verification and validation that the accounts were mine. I enclosed the return receipts from the post office showing that 2 receipts had been signed for ( XXXX XXXX & XXXX XXXX ) and the other receipt had not been signed for. I sent ALL certified letters to the address that was listed on my Experian report. 
Experian signed for my letter on XXXX but I have heard nothing from them verifying these accounts. 

Note : I sent a copy of the letter I sent to XXXX  XXXX  ... the letters were the same for XXXX  XXXX  and 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 non-monetary relief
Consumer complaint received 2016-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I ( we ) had a mortgage through Bank of America. We filed bankruptcy ( chapter XXXX ) and completed the payment plan. The mortgage was not dischargable as it was a long term debt. I have filed several disputes with the credit reporting agencies, but after " investigating '' the dispute, BOA still lists the debt as discharged.

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 2016-11-09
Company: Jet Direct Funding Corp
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I lost my down payment and house I wanted to purchase when the mortgage company I was working with delayed the loan process and would not issue a commitment or denial letter in time to avoid Time is of the Essence penalty.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX 2015 I received a letter from Bayview loan servicing saying that my escrow was short XXXX. I called in XXXX to ask about making the payment and the representative told me that I could make the payment over the phone and she would make sure that it was applied to my escrow account. On XXXX XXXX I received a statement saying that my new payment would be XXXX starting XXXX XXXX. I immediately called to ask what the increase was for and at that time the representative told me that I had a shortage in my escrow. I then explained to her that I paid it in XXXX and she researched and found that I did pay the shortage over the phone and that she would request for the funds to be transferred to the escrow account and I should call back in two business days. When I called back nothing had been done. The new payment amount was still reflecting and I had to explain again what happened and the representative assured me that this would be taking care of. I called back a week later to find that still nothing had been done. I was told they were running a new escrow anlyst but still nothing has been done about this shortage that I had paid already. I called on XXXX/XXXX/2015 and I was told that someone requested for the money to get put back in my escrow account but the request was stopped and she did n't know why. I called back yesterday to be told by the supervisor name XXXX that I never paid the shortage. She told me that the company gave me a corporate advance because I had not made the payment and I explained to her that I made the payment in XXXX. I asked her to please review all the notes on my account as I have been calling all month about this issue. She told me that the last notes she saw was about me complaining about the escrow. This company has yet to fix this issue even though I have been calling about this all month. The have charged me for return check fee 's and there was no check returned. I checked my credit report and they have already reported the new payment of XXXX without even fixing my issue. This seems to be a XXXX violation. There seems to be an unwillingness to fix this on Bayview 's end and now this will impact my credit but I did make the payment. Please help me fix this all if my efforts have been ignored by this company. The other bad issue is if I would not have quested the new payment amount I would have been paying for something that I already paid for. 

My mortgage is under my maiden name of XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: MoneyLion 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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Experian Information Solutions Inc.
State: CA
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 ordered a copy of my report Experian and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$2600.00}

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 2021-08-31
Company: MAS FINANCIAL SERVICES, INC.
State: CA
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 was not late on XX/XX/19. The information related to the late payment is incorrect. Please correct them on my history file otherwise remove it from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
When I opened my checking account with Bank of America XXXX years ago, I deliberately declined to opt in for overdraft protection. My hulu payment through XXXX accidentally overdrew my account XXXX days before my direct deposit. It was my understanding that this should have been declined since I opted out of overdraft protection. A BAC customer service representative told me in writing that opting out of overdraft protection had no effect whatsoever on my account and I was penalized {$35.00} for the overdraft.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
The Bank of America, where I have had a checking account for many years and live abroad, continues to reduce the scope of its communications with its customers, reducing the topics acceptable on chat and on email. This is the second complaint I have made. The head office promised last time to improve, instead it is worse. 
Also, despite a free phone number for overseas calls, it is not operable, as a digital voice message does not match with the operator nor automatic phone connection. 
Previously, the bank offered all options, message, chat or phone, for all topics. It seeks cost savings at consumer expense.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I suffered damages due to hurricane Irma. After receiving notices from mortgage company of an assistance program to defer payments for three months I took the opportunity to use this money for repairs and fixing whatever damages were created during this hurricane. It was never explained to me by PRMG ( mortgage company ) in writing nor verbally that at the end of the three months all payments would be due at once. On XX/XX/XXXX, after three months expired I continued to make my regular mortgage payments. To later find out that I was now three months behind on payments. I contacted the mortgage company and was advised of a loan modification program. On XX/XX/XXXX a trial period of 3 months was set forward with a new payment. These payments were made on a timely manner. During this time I was going back and forth with mortgage company due to errors on loan modification application sent to me. While I continued to make the payments set forth by the mortgage company I was notified that a second loan application was going to have to be filled out as the first one had expired. This application expired due to inaccuracies from the mortgage company not only on application but also verbally. I continued to make the modified payments till XX/XX/XXXX. I contacted the mortgage company and was advised that XXXX payment will be a regular payment and not the modified payment. I made the XXXX payment while I awaited for the reply of the loan modification application. On XX/XX/XXXX my mortgage payment was returned to me as now the mortgage company said I was over 6 months late in payments. This made no sense to me as I had made the payments set forth by the mortgage company. I continued to contact the company to try to resolve this issue and pay my mortgage. As of XX/XX/XXXX I was notified that my modification application was denied. Reason for denial per letter from mortgage company is erroneous based inaccuracies and misinformation, thus placing my home in pre foreclosure status. I have had to hire an attorney to try and help me save my home as I dont want to loose it do to unprofessional and inadequate assistance from the mortgage company. I have exhausted all remedies while trying to work this out with the mortgage company to no avail. I feel as if I am being forced to foreclose on my home by mortgage company as it seems that they are reluctant in working with me. For the past year this has been the most stressful situation I have ever been in. They have refused to take my payments thus putting me further in debt. I have been in contact with them throughout this process and have yet to receive a single straight forward answer to any of my questions. Every time I call I have to speak to a different person and not one individual to handle my case. The unprofessionalism they have shown makes me wonder how are they in business. 
Additional information can be provided if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: NorAm Capital Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
NorAm Capital Holdings, Inc. 
collecting for XXXX. They called and threatened lawsuits when the bill is past the statute of limitations. The bill went delinquent in XX/XX/XXXX due to expenses from the death of my husband and they are reporting it as opening in XX/XX/XXXX. They have re-aged the account to try to keep it active.

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