BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-01
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
They decrease my limit because they say I didnt authorize payment so I had bank send multiple letters and they even was on phone with bank they said they pull my credit but my credit XXXX plus I have a freeze than they went back and call back and said could they pull I have been getting the run around multiple times and they have no just I am a buisness customer which this has cost my buisness tremendously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01
Company: Frontline Asset Strategies, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Calling about a debt that i don't owned and is not on my credit. Calling multiple times a week. Asking me for personal information like SS, Address, before that tell me when is calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: EQUIFAX, INC.
State: WA
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 submitted a dispute of a collections account due to not having any knowledge of the account and not receiving any response after requesting validation from the collections agency. Both TransUnion and XXXX investigated and removed the collections from my report. Equifax was the only major provider to refuse to remove the collection. It's absolutely clear that Equifax did not properly investigate this dispute as required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was having trouble making my mortgage payment so my lender XXXX XXXX offered me a forebearance plan which I paid on time for a year. Then I was offered a trial modification which is XXXX payments, i have stcessfully made XXXX payments while working with XXXX XXXX. My loan serviceer is Loancare. I called yesterday and spoke to XXXX who told me that even thou I 've been making my payments as agreed upon with them they are reporting that I 'm late whichever will continue until I sign the final loan modification. This is unfair and I have done everything that they have me to do. No one at Loancare has told me that they are reporting me as being late. I am requesting that they remove all of the late payments as I was n't told about this from the beginning and now my credit report has taken a huge hit. I thought that they were helping me not penalizeing me because I could n't pay my original payment in full as I had lost my job.

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 2021-03-23
Company: EQUIFAX, INC.
State: LA
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 extremely upset. I may have been the victim of identity theft. Someone has applied for credit in my name. There are inquiries, alleged collections, and char offs accounts on my credit report for which I do not recognize. Pursuant FCRA 605B I am demanding they are removed. 

XXXX. XXXX XXXX XXXX Opened XX/XX/XXXX XXXX. XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: PNC Bank N.A.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
PNC is very disorganized. My husband who I am in the process of divorcing, reached out and spoke to a representative to open a home equity line of credit on my name. He was able to get everything done via phone call and then pressured me to the bank to sign. I was XXXX months XXXX XX/XX/2019 XXXX XXXX  and wanted no drama since I had a high risk XXXX. To my understanding the account was on my name so he had no rights to the HELOC. Little to my surprise PNC sent the card the our home address and he created a pin and began using the funds. When I came to know of this, XXXX XXXX XXXX XXXX XXXX XXXX I went to PNC to notify the bank branch. I explained that the charges were not made by me but rather my husband, I went in on a Saturday, XX/XX/2019 to be exact. I was informed that I needed to go back on a business day. I returned to the bank on Monday XX/XX/2019. During my visit and explaining the situation, the representative was more interested in the " juicy '' personal details rather than helping me. The representative went on to state that my husband had gone in the branch and asked for the pin to be reset on the XXXX XXXX   card, to which she willfully admitted it was " suspicious '', but yet she went ahead and did it anyway? I was 3 weeks XXXX at this time and living in fear for my life. I asked for the line of credit to be closed and the representative said " we can not close it unless you are paying off the $ XXXX ''. She never guided me to dispute the charges or advised on what steps to take. She did call the XXXX number and tell them the situation, but at no point did ANYONE of PNC advise or help me. I was in an XXXX relationship with a XXXX XXXX XXXX and needed guidance. PNC is a joke and a waste of time. When I finally got my life in order and disputed the charges, the excuse I am getting is that the charges can not be disputed because the PAYMENTS were at one point made form a joint account. What does that have to do with unauthorized charges on my behalf which I reported as soon as I became aware? I have been put through the ringer with PNC, they have not been timely. In fact they have made so many errors. They kept sending statements I was requesting to my husband in Florida. He changed the address on file. I have been trying to get issues corrected, but no one is willing to give me the time of day. As a new, single mother who is working full time to provide for my daughter and myself I have received ZERO empathy or understanding from this company. Such a shame.

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 2020-04-08
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
An old cable bill was sent to collections which i paid in full. they are now still not removing the account from my collections. I can not get approved for a mortgage due to these collections. i do not feel the company is acting fairly as i have paid my balance in full

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01
Company: Academy Mortgage Corporation
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The loan XXXX XXXX XXXX for Academy Mortgage provided an illegitimate Approval document ( s ) to satisfy FHA contingency on or about XX/XX/21. I immediately raised concern and asked to unilaterally terminate. I was told by my realtor XXXX XXXX and XXXX XXXX that document was legit and I was all set. In good faith i moved forward per their expert advice, however, I soon confirmed that the Conditional Approval document that was provided to satisfy the FHA contingency was not legit. Its not from an underwriter, theres no name on it, not signed nor dated and theres no loan commitment attached. Ultimately the loan was denied for reasons that were already known prior to the denial letter. I kept being told everything was on track. Since I have been business with XXXX XXXX, financially its cost me inspection fees {$1600.00} and an earnest deposit {$3500.00}. I have also invested about {$12000.00} in travel expense trying to secure a home, not knowing the whole time I was going off of " Improper '' documentation from Academy Mortgage. To make matters worse, XXXX and XXXX reached out to me on XX/XX/21 and convinced me to sell my home despite the offer was less than I wanted. There reasoning was the new house at XXXX XXXX XXXX XXXX had XXXX in equity and it didnt make since to lose that for a XXXX gap on the sell of my home. I agreed to sell my home per that discussion on XXXX. The next day XX/XX/21 XXXX informed me that I was denied the loan to purchase the new house for reasons that were already disclosed.

I was denied for lates on my 1st Mortgage which I disclosed that this could be an issue. XXXX informed me that this was not an issue... But " if the issue was to arise once my house sold those lates would not count against me and we could still close. '' I was told worse case scenario, that the closing date on the new house might get pushed a few days but we were fine. I have a lot of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: Total Recovery Services, Inc
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
My husband and I were denied a mortgage because of credit history problems. This was a shock to us. We found out that a debt collection agency kept abusing my credit history each month without my knowledge. It turned out that when we moved XXXX miles away- there was a medical Bill that was unpaid. I have always been on top of my things ( paying bills, changing addresses etc ). USPS had a forwarding address on file. Somehow the debt collection agency claims that they received returned mail. 

My understanding is that they did not bother to do anything at all to try and contact me. They have no proof that they could provide. In todays world it is not hard to track someone down who live openly online. Why did I not get bills forwarded from the doctors office, or from the collection agency or even phone calls or anything at all for 6 months? 

I had to contact the collection firm to pay the bill! I feel cheated and I know that nobody can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Midwest Fidelity Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have received an email from Midwest about account from XXXX XXXX XXXX, I have requested a copy of any documentations such as drivers license, loan application to review and confirm documentation. While speaking with XXXX XXXX she have also informed me funds were submitted to XXXX XXXX XXXX XXXX I have informed I never open an account with XXXX XXXX XXXX XXXX I have made contact with XXXX XXXX XXXX XXXX XX/XX/21 the location is more than an 1 hr away from my home. I have also requested documentation from XXXX XXXX XXXX for the acct number so that I can bring to the attention at the credit union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: U.S. BANCORP
State: AZ
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:
According to the recently passed CARES Act, lenders/credit card companies are to work with their borrowers, yet we have found this NOT to be the case with XXXX XXXX, Elan Financial, nor XXXX, all of whom will be made whole through the stimulus package ... yet they can not assist their borrowers and are offering nothing in the way of a deferment of payments, only the removal of late and/or over limit fees. 

We had reached out to these companies as our business had a $ XXXX loss of income between XX/XX/XXXX to XX/XX/XXXX due to COVID-19 ( as all of our customers opted to go on hold ) and our income from that time is now {$0.00}. 

Additionally, XXXX XXXX has reported a 30 day late on our account to the 3 credit bureaus, and neither Elan Financial nor XXXX will confirm that they will not be following suit. 

We have contacted the credit bureaus, but have had no such luck trying to work through the lenders. 

We are asking that these companies be contacted regarding their blatant disregard to working out a deferment plan with borrowers and that they NOT be allowed to report any late payments to the credit bureaus during this time, which is in accordance with the provisions of the CARES Act. 

Lastly, we have reached out to our attorney, as the only way to return to our good credit ( of which we had no late payments nor derogatory marks ) will most likely be to file a class action lawsuit. 

Thank you for your 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 explanation
Consumer complaint received 2017-11-19
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have an auto loan with Santander Consumer USA. My loan is nearing maturity and will be paid off XXXX XXXX. I setup autopay online so that my payments are automatically deducted from my checking account each month. When I set up autopay, I saw my maturity date was XXXX XXXX and the last payment was approximately {$180.00}. My regular payments are {$390.00} each month. I logged into my account today and the last payment has changed to {$350.00}. I was never notified by Santander about a rate increase or any adjustments being made to my interest or payments. I would like to know why my last payment has increased. If this is a mistake, then I would like for Santander to adjust my account to reflect my true balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: PNC Bank N.A.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied for a home equity line of credit with PNC bank on XX/XX/21. I filled out an application online and spoke to a loan officer on the phone. I was given an application number and a secure account to log into that required me to put in the last 4 of my social security number. I was then sent secure communication from XXXX XXXX at PNC bank. She request that I send documents to support my application which I did on XX/XX/21 including proof of my income, information about my current mortgage. I received a call from her on XX/XX/21 saying that my income had been verified and that I would hear soon about an appraisal. I called on XX/XX/21 as I had not heard any updates and asked when the appraiser would be out to see me. She asked that I verify the last 4 digits of my social security number. When I gave her the numbers she said they did not match the application. This to me did not make any sense as I had to enter the last 4 digits to open documents to the application and had given my information on a recorded line and given the correct social security number. I asked to speak with a manager and voiced my concern about my security and this error with my social security number. She offered an apology without any explanation of how this could have occurred. I am concerned about when this error might have occurred in the process, if there is some inaccuracy or misdirection happening and that another person 's credit was ran for this loan given they had the wrong social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: LoanCare, LLC
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased a property with a note serviced by LoanCare Account Servicing. I made the first mortgage payment in XXXX. In XXXX I saw that they had taken multiple payments out of my bank account. Phoned them and spoke with XXXX XXXX at XXXX XXXX XXXX ext XXXX and she said it was a mistake, possibly a software glitch. XXXX XXXX promised me that the extra {$10000.00} would be returned and that she would call me no later than yesterday. Now she wo n't return my calls or my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
my loan was sold to this company and with in a few months I was told my escrow was $ XXXX short that I needed to pay it or have to added to my monthly payments. I could not get a explanation except it was short. a few more months later another bill saying my escrow was $ XXXX short still no explanation except its short and it will be reviewed again this year to expect this before the year is out. how can this be in the XXXX yrs I have had a mortgage this has never once happened it can not go up and 2-3 times in one year? taxes and insurance are billed once a year. I do not understand and can not afford to keep shelling out money to this incompetent company. I was reading reviews on yelp about them and it seems I am not the only XXXX is this confused boat.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
ARS ACCOUNT RESOLUTI XXXX/XXXX/XXXX Phone : ( XXXX ) XXXXFax : ( XXXX ) XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ARS ACCOUNT RESOLUTI or any company associate with this account and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ARS ACCOUNT RESOLUTI or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Hi, my name is XXXX XXXX XXXX. Somebody stolen my check and cashed the money from capita one on XX/XX/2019. The total Amount is XXXX. Capital one refused to gave me the refund. I am having a account with chase bank. XXXX would like to give me XXXX refund. I think capital one should give me the rest of the money which is XXXX. It was all capital ones fault. My chase account number is:XXXX my address is:XXXX XXXX XXXX. XXXX XXXX. Oh XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: ALLY FINANCIAL INC.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On or about XX/XX/2021, I chatted with a rep via the chat option in the website of the bank to approve the increase of my daily spending on my card because I had to do a cash advance at my other physical bank to buy a cashier 's check to pay a court judgement. The rep said I would have to speak with the rep to confirm my identity. I had the rep a few hours during a break from my job. I validated my identity, but the rep that helped me over the phone at loss prevention by name of XXXX XXXX was very unprofessional and refused to answer my questions. When I insisted she answer my question, she retaliated by not approving the documents I submitted for verification even tho she and the earlier rep promised I would get the approval yesterday if I provided those documents. She sounded mad at me for making this statement and they proceeded to freeze my accounts and block my access to all 5 of my accounts. I find this behavior to be not only unprofessional but a violation of my right to access my account and money. No one should be subject to this level of retaliation because of a rep 's unprofessional conduct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XXXX of 2015 I initially applied for a mortgage pre-qualification in the amount of {$150000.00} through JPMorgan Chase. I was approved for the mortgage, but held off because of my upcoming marriage/pay increase. XXXX 2015 my wife and I re-applied through JPMorgan Chase for {$200000.00}, but this time we were denied on all levels for a VA Home Loan. The mortgage officer assigned to us stated that the {$150000.00} should have been denied as well and that the approval was a mistake. Both of the incidents have led to my wife and I losing hope on finding a house for our growing family. We are currently living in a XXXX bedroom apartment. My credit is good other than a few case that have since been solved or in the process of being disputed.

Company response to consumer: Closed with explanation