BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-04
Company: Rocket Mortgage, LLC
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a convention mortgage for a purchase with quicken/rocket mortgage in late XXXX. When a closing date was set for XX/XX/XXXX I requested to see my closing disclosure on Friday XX/XX/XXXX. I had not seen an updated Loan estimate since application. When I contacted the closing specialist I was provided with a snap shot of the loan details. Such as loan amount interest rate and first payment date. I also have a screen shot of what information there was. However I had specifically requested to see my closing disclosure so I could see exactly what the fees where. I was then advised I would see that at closing. I quickly protested that I wanted to see my closing disclosure which I should be provided 3 days before closing. After several phone calls, I was sent the closing packet that included my CD. My CD was incorrect as I did not want escrow which I had communicated before we ever went to a closing team. I told my closing specialist she would have to check on that. I never heard back until XX/XX/XXXX. In which I was told the wire had been sent and it couldnt be changed. I believe this was a ploy to pressure me in to closing. However, I said that my loan documents were not right and I wouldnt sign incorrect documents. At that point I was told they would recall the wire and work on removing the escrow. As of today XX/XX/XXXX I have not heard anything from the closing specialist. When I log in to my account it shows my loan has closed and that I owe them a payment as of XX/XX/XXXX. I have also received a XXXX for a loan I do not have. As of today XX/XX/XXXX I have been on the phone with the company for over two hours with no help or resolve. I am extremely upset over their customer service as well as their poor transparency in making sure I see necessary documents such as the loan estimate and closing disclosure. Not to mention the loan that I am showing due for that I didnt take.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I received XXXX letters from CapitalOne on XXXX XXXX, 2015. XXXX letter stated that I would be receiving a CapitalOne Credit Card with a credit limit of {$10000.00} within a couple of weeks. I did not solicit a credit card from CapitalOne. The XXXX letter contained the credit card. 
The following day I received a message to call the fraud detection department at CapitalOne because there had been unauthorized use of the card by the second person named on the card in XXXX -- -I live in XXXX XXXX The credit card I received had only my name on the card. I was also told that the card had been cancelled and that I would not be responsible for the several small charges made to the card. I persisted and got the name of the second person and the XXXX charges made in XXXX. The number I received reached the CapitalOne fraud department in XXXX. I asked for a number in the USA. The XXXX number I called reached their fraud department in XXXX XXXX. The XXXX number that I was given reached offices in XXXX. The helpful clerk in XXXX provided the information concerning the second person named on the account and the XXXX small charges made before the account was closed. This clerk would not name the city where she was located in Oregon but by asking questions It was narrowed to either XXXX or XXXX. 

It is beyond my comprehension that a multi-national credit card company would send an unsolicited card with a ready limit of {$10000.00} that could be activated by someone other than the named party printed on the card. My attorney is looking into possible action against CapitalOne for their unethical business practices. I will abide by his recommendation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Citimortgage recently sold the servicing rights to my mortgage loan to XXXX XXXX XXXX effective XXXX/XXXX/16. I called both entities on XXXX/XXXX/16 trying to obtain a payoff demand because I 'm refinancing my mortgage and the new loan is about to fund. Citimortgage was not able to provide me with a payoff because they claim they do n't even have my loan info on their system anymore. XXXX XXXX claims my loan info is not uploaded onto their system yet. XXXX XXXX said it will take at least XXXX business days following the official transfer date of XXXX/XXXX/16 for my loan info to reflect on their system. Due to their transitional mistake a customer ca n't even obtain a payoff during the transfer. 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 explanation
Consumer complaint received 2016-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
My complaint is with Capital One 360 ; they do NOT allow an individual account depositor to add a " Payment on Death '' or Beneficiary to an account. Capital One 360 is an online banking subsidiary of the Capital One Financial Corporation, a financial holding company publicly traded on the XXXX ( XXXX : XXXX ). The web-only bank officially took over ING Direct in 2012 and offers an array of depository banking and lending products, in addition to its brokerage platform. The Capital One 360 branding was first introduced at the XXXX of 2012. I completed the online application form with Capital One 360 and officially opened an account a month ago. I called to add a POD to my account and spoke to XXXX ( XXXX ) ; he told me Capital One 360 does not allow this option but I could change my CD to add a co-owner. Not satisfied with this explanation, I called Capital One 360 two more times and was told the same thing. I was highly upset! I 've never dealt with any bank that did n't allow a POD to be added on my account. One of the customer reps that I spoke with offered an interesting tidbit of information stating when Capital One 360 bought " ING '' online bank in 2012 - it 's been very difficult to integrate the two systems. Really!! Their IT Dept has n't been able to figure out how to add the option for their customers to place a POD or beneficiary on an account! This is outrageous! I 've checked with other online banks ( XXXX, XXXX, XXXX, XXXX ) and they all accept a POD or beneficiary to be added to your account. Had I known this option was n't available with Capital One 360, I would NOT have opened an account with this online bank. They have breached my trust! I 'm asking for your assistance to research this information and to make everyone aware that Capital One 360 online bank does not allow the option to add a POD or beneficiary to an individually owned account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: AMERICAN HONDA FINANCE CORP
State: OH
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I turned in a Honda Civic I was leasing in XX/XX/XXXX. On that date, I received a new Honda Civic. On XXXX/XXXX/2015 I woke up and found my new Civic was gone. After calling everyone I needed to report the car stolen, I found out it had been repossessed. I called Honda Financial and asked why. They informed me it was due to nonpayment and I was XXXX days behind. I asked how since I made every payment. They did check into it when I stated all my payments have been made. They saw the money had been routed to my old account instead of my new one. I asked if there was anything I could do to get it out of repossession and clean this off of my credit report since I have never missed any payments and they could see that when they checked my accounts. They informed me I had to talk to the recovery department about this. I had many issues with the recovery department the first day I tried to talk with them. I called numerous times to be routed to someone else I could speak with to work out my problems with the person I was dealing with in recovery and with my account. However, every call was forwarded to the person I was having problems with and I was told by her, there was no supervisor available and no one else to take the calls or complaints. 
I admit, I forgot to change the account number on my online banking. I also did not open any mail due to the fact I knew how much my bill was and what date it was due and that I had made all the payments. I never received a check back from Honda until after it was repossessed. Had I received this, that would have sent a flag up to me to call and fix the problem. 
After trying to work something out with Honda, I was told there was absolutely nothing I could do and would have to pay all repossession fees, the lot fees and have it on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I am XXXX years old ; I was XXXX at the time of my wife 's death on XXXX XXXX, 2014. I contacted Capital One to close my wife 's account. I was not a co-applicant, but an authorized user. I was advised that I could then have a credit card and my wife 's account would be cancelled due to her death. However, her account was not closed, but they replaced me with my wife as the primary card holder. Capital One is now holding me accountable for XXXX of debt that should have been cancelled upon my wife 's death. I live on a fixed income and can not not pay. As an authorize user, I used the account thinking I had a clean slate ; I have tried to rectify this for two years. I have struggled to pay them {$400.00} each month, while waiting for resolution, that never came. They are not able to produce the original application, which will revealed that I was never a joint applicant and did not apply for this card. Please provide any assistance that you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX XXXX called and spoke to my husband on XXXX XXXX 2016. They disclosed all the information about my debt with him. I have never given XXXX XXXX permission to disclose information to my husband. My husband also does not have a power of attorney. For them to do this it is a violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We submitted a contract for a short sale to Ditech early XXXX 2015 and after close to 4 months of attempting to get someone to work on the file we submitted a complaint to CFPB and was finally contacted by Ditech and they escalated the file to be worked on. We received an approval for the Short Sale on XXXX XXXX. By this time the buyer decided to walk after waiting too long and extreme deterioration of the property. We put the property back on the market and received another offer ( same as the previous ) and submitted it with new paperwork all over again. Since we have submitted the package, no one will respond in reference to status or as to whether or not anymore documents are needed. I have sent email everyday for the past 2 weeks and called but to no avail. This is just the most frustrating process with this particular bank and it just never ends!!!!!

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 2023-04-02
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
A charge was fraudulently made on my american express card I contacted both the store and american express and american express is holding me responsible for the charge even though i did not make it. It was XXXX for a chip reader at XXXX XXXX XXXX store.and american express contends i am liable for the charge. I have had a american express card over 40 years without a problem and the first problem i get no help from them

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-04
Company: EQUIFAX, INC.
State: NV
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:
The credit bureaus are not responding to my letter I sent and I've sent multiple letters to them. On XXXX I sent a letter to the credit bureaus because there inaccurate information and items on there that i'm not familiar with and its past 60 days and I've yet to receive a response. I know due to covid there may be some delay but there is no way it should take this long. I found out that their failure to investigate the items within a specific time period ( 30 days ) to research and respond per Section 611 ( a ). It has been over 60 days they should be deleted from my credit report. I recently pulled my report and saw the inaccurate information and it is crazy that they are not responding. This is stressing me out and I'm hoping you can help so i don't have to file for litigation because their failure to respond. My information may be used by someone due to the equifax data breach. Please help me get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
the day after I closed on a new loan it was sold to a company that uses Shellpoint Mortgage Servicing. They have lost and then mishandled my information and now I ca n't even get a statement and its very difficult to pay my premium. When I call their number they say I ca n't get account info because I am in bankruptcy, which I have never been. It is all so confusing that I do n't even know if my loan is being paid or not. Let me know if you can help. thanks

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I AM GOING THROW A FRAUDULENT FORECLOSURE PROCEDURES BY THE SERVICING AGENT OF MY LOAN ( DUAL TRACK IN CONSPIRACY WITH THE TRUSTEE OF THE LOAN THEY ARE HIDING THE ACTUAL INFORMATION OF THE LOAN MODIFICATION STATUS AND HARASSING ME OVER THE PHONE WITH FALSE INFORMATION, THEY FILED ON THE XXXX CLERK A FALSE STATEMENT TO FORECLOSE MY HOME, DENIAL OF THE HOME AFFORDABLE PROGRAM WITH OUT LOOKING THE DOCUMENT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage company Ditech in XXXX of XXXX put us on a loan modification and after making 1st payment stopped calling us and would not answer any of our calls .When we finally got ahold of Ditech they told us not to make any more payments which we thought was very strange. Several months later started to get electronicly signed documents from a lawyer firm called XXXX XXXX XXXX XXXX. Turns out that they have been in many mortgage scams on there sight .My Attorney who we believe was involved as well as our Trustee seemed to be covering up something .Around XXXX we got issued forclosure papers and documents from there lawyers XXXX asking for certain documents when returning papers for a loan modification.My wife and I started to do some research and discovered some very discriminating evidence of fraudulent activity on some documents we had found involving a merger between banks that we had on our mortgage .Turns out that we actually had the deed book along with a mortgage assignment that has some very suspicious material on them. I was not sure why I would of been sent the deed so did some research and found out that everhome mortgage company had paid our house off in XXXX in a settlement agreement. When the merger took place which has XXXX different copies showing different times and dates then I have in the original cover page of deed ..there lawyers XXXX XXXX XXXX sent us papers that they were gon na have sheriff sale on house on XXXX XXXX XXXX. My wife and I believe that we were scared by our mortgage company and that my lawyer and trustee covered it up for the banks involved cause they kept me in a bankruptcy that I should have never been in cause I was transferred our home in XXXX before I was even in forclosure..we believe our rights have been violated by our mortgage company and there XXXXDitech XXXX as well as my lawyer and trustee. We now have found out that XXXX has eliminated my accounts hiding the transfer of said property.Ditech who is the latest company wo n't answer callsome and looks like they are trying to take our home away from us. We are hoping that someone will investigate this matter as time is of the essence please help us save our home of XXXX years.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: Capio Partners, LLC
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
The following agency, Capio Partners LLC, filed a derogatory record on my credit report, but i did not receive any notification with a right to dispute. When asked about, a representative informed me that no communication letter was sent out. I had no idea this was on my credit report. 

Note : I did pay the debt with my CC because I was buying a car and wanted the record off my report. I was told that the record would be removed, but XXXX confirms it stays on for 7-years. 

I want to make this complaint because I feel I should have been given notice with at least 30-days to dispute the claim. I should not have paid the claim as it was a XXXX case from XXXX of 2010. XXXX paid for my XXXX service, but the hospital, XXXX XXXX XXXX XXXX, in XXXX, PA has been harassing me for more money. 

I was advised by XXXX that I should not pay the false claim and that I should continue to dispute it to avoid records on my credit report, but this collection agency did not give me a chance to dispute the claim. I have never had a bad record on my credit report and this hurt my overall score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-28
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I 'm filing a complaint regarding a TILA REQUEST and OTHER REGULATION REQUEST UNDER Regulation Z I sent by certified mail and fax.ies My letter stated particular questions that they are required to respond As of today, I have not received a response. The only papers I received were regarding pre-foreclosure actions. Also while my mortgage was being paid through HOMESAFE of Georgia ( Federal government program to pay 24 months of payments for homeowners who are underemployed ) While accepting federal funds, Ocwen never mention that my loan should be reviewed for a principal reduction based upon the CFPB Consent Order. In particular my loan was effected because Litton Loan Servicing LP. Serviced my loan.. Since Ocwen is acting debt collector, and they have all my financial information from receiving government funds for 24 months of payments, I need tp obtain the TILA and regulation Z for a settlement of the loan. 
I 'm attaching the Consent Order, and the Certified Letter sent to Ocwen

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: Shellpoint Partners, LLC
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I am the borrower of New Penn Financial D/B/A Shellpoint Mortgage Servicing. 

I entered into a contract of sale, on XX/XX/XXXX, with the purchasers selling my co-op unit located in XXXX. After the Co-op Board approved the sale, my attorney started to contact Shellpoint, on XX/XX/XXXX, requesting for the pay-off arrangement. Shellpoint shall locate the collateral documents ( original Co-op Stock Certificate and Proprietary Lease ), and notify us, so that we could schedule a closing, at which Shellpoints will get the whole loan payment and I could transfer the title of the Co-op unit to the Purchaser. 

Normally it takes about two or three weeks for the bank to complete this step. However, despite repeated inquires made by my attorney, we did not see any efforts by or good faith in Shellpoint in processing the payoff. They simply responded they have not located the collateral documents yet again and again. They also refused to provide an Affidavit of Lost Documents after all the parties of the sale had been waiting months after months while such a simple affidavit can get the deal closed! 

On XX/XX/XXXX, my attorney, after numerous efforts, finally found out who represents Shellpoints and started to contact Shellpoints ' attorney for the pay-off arrangement. However, up to date, Shellpoint still could not provide either the collateral documents or the Affidavit of Lost Documents. 

With legal representation, Shellpoints should be fully aware of the consequence of such a serious delay. The delay of Shellpoint has not only cost me extra interest and penalty charged by Shellpoint, but also 6 months ' maintenance charge of $ XXXX/month, as well as extra legal fee and penalty charged by the Cooperative Corporation and my attorney. Besides of this, the Buyer may walk away from this deal any day. 

It will be beyond the imagination of any reasonable mind that CFPB allow a borrower be abused by a licensed commercial lender in this manner. 

It 's a nightmare!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation