BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I have a XXXX IRA with Capital One 360. My mobile app states my account is inactive and that I need to make a deposit or transfer to make it active. When I try either option it tells me to go to a Capital One ATM. There are no such machines in my state. I have now called this institution 6 times to get NO RESOLUTION! 
When I call I get transferred from person to person and explain my question over and over. In fact one agent even went so far to tell me I have no such account!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have been having negative financial issues with my bank ( Capital One ) concerning my line of credit on a credit card I have with them. This began in 2011, just after my husband passed away. I had credit XXXX cards with Capital One at that time. I had a credit line of over {$10000.00} on the first card. No sooner had my husband died, the credit limit on that card was brought down to {$500.00}. I also noticed Capital One was using my {$85000.00} mortgage on my house toward XXXX credit, which I understand is not supposed to be used for these purposes. I closed that first card. 
Two weeks ago I applied for a greater line of credit on the second card, which has a limit of {$5000.00}. I was denied the increase because " Recent use of this account 's existing credit line has been too low. '' However, I have charged up to {$800.00} on this card in the past, and I have pristine credit including well over XXXX XXXX score ; pay all my bills on time ; pay the full amount ; never went into delinquency ; never made a low payment, and this account has never been past due. Also, Capital One did not tell me what a suitable charge amount is. 
I feel Capital One has been discriminating against me and its practices have been deceptive, especially since this all occurred after the death of my husband ( six months later ) whose finances were separate from mine. I have always had pristine credit. It appears also that my credit from other banks have not been harmed because of this issue with Capital One. I would like to know what options I have. Are they allowed to use my mortgage amount to determine the line of credit for a credit card?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
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: Their investigation did not fix an error on your report

Complaint:
This uncertain accounts listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly : XXXX XXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: BB&T CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX has sued XXXX XXXX for purported damages to a leased vehicle that either do not exist or were inflated. Any condition of the car resulted from normal wear and tear for which XXXX XXXX was not liable. XXXX refuses to supply the only evidence that it claims it has/had to show damage -- but refuses to provide : actual pictures of the damage. It appears that XXXX is seeking to collect money not owed in a deceptive fashion. Scores of other consumers are making similar complaints as reflected in XXXX reviews : ( XXXX ) Simultaneously, XXXX reports delinquencies to XXXX XXXX XXXX credit reports that bear no reasonable connection to the purported debt. XXXX is reporting a balance of {$64.00} on XXXX XXXX 's credit history but has sued her for {$2300.00}. Aside from misrepresenting dollar amounts, XXXX is misrepresenting the identity of the creditor to XXXX XXXX 's credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am in an active loan modification review with my lender Quicken Loans and have a trustee sale scheduled for tomorrow, XXXX XXXX, 2016 at XXXX. I spoke with Quicken Loans and was informed that they will not be postponing my sale. I believe this is a form of dual tracking and completely illegal and are unsure why they are choosing not to assist me in this matter. I am now forced to hire counsel and help protect myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I applied for a loan with QuickenLoans through their so-called " XXXX '' platform. I was quoted a rate on the first day and requested getting locked in. It took Quicken weeks to eventually tell me that I do not meet their underwriting guidelines, even though my loan rep continuously conveyed optimism that I would be approved. During those several weeks, rates climbed at unprecedented levels. I strongly suspect the decision to decline had more to do with the climbing rates and Quicken 's failure to lock in my rate.in other words, they did n't want to absorb the cost of their failure to hedge and declined me instead. 

Even if that is not the case, I lost several weeks thinking I was getting approved and was locked in. Now, with rates likely to continue to rise, I 've lost the opportunity to refi and their incompetence will cost me XXXX of dollars!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: BB&T CORPORATION
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Needed a replacement title for a XXXX Ford Taurus. Did not know had lien from BB & T and paid agreed amount on XXXX/XXXX/XXXX. Was informed 7-10 business days to get title..Went back to BB & t on XX/XX/XXXX and found out out was n't posted until XX/XX/XXXX and would be another 7-10 days. on XX/XX/XXXX inquired again of status an informed title on its way. Went to branch on XX/XX/XXXX and was informed by corporate headquarters it it was just being released today and another 7-10 business day and once whatever that department that is will go to another department and another 7-10 days. Its looking like XX/XX/XXXX now until I receive title and I wonder if that 's true until I go into the branch again. They 'll tell me again XX/XX/XXXX business days. Very frustrating and punishing

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 2016-05-28
Company: BB&T CORPORATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
BB & T Provided Senior Vice President XXXX XXXX XXXX, provided false statements in Consumer financial Protection complaint, case # XXXX. Provided statement has no records of the account number or Social Security number provided. Account number is XXXX Letter date XXXX/XXXX/XXXX. This letter is the Lead to the International Complaint drafted. Under the Mines and Minerals Act of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
My husband and I applied for a refinance loan from Loan Depot about XXXX XXXX, 2014. We filled out the required information with XXXX of their agents, do not remember his name, maybe XXXX. Subsequent to providing all relevant information we were informed we qualified for a refinance through the VA since my husband is a veteran. Our current mortgage interest rate is 9 % and the VA interest rate was much lower. We were at the point where an inspection was scheduled. We were asked to provide the cost of the inspection, which we did. At this time we were suddenly advised by the agent our VA loan was unavailable due to the fact the VA DID NOT LOAN for homes on leased property. We do not own the property. Instead of checking with the VA to verify this we accepted this disappointing decision. Recently we received information from a VA Mortgage Center regarding VA Loans. When I requested the regulations for a refinance I was informed the VA DID, indeed, loan on manufactured homes on leased property. Therefore, Loan Depot agents lied to us rather than fulfill the loan. We are both retired, XXXX who know they were blatantly deceitful. ( Their reference # is : XXXX XXXX/XXXX/2014 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: Rocket Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
my house burnt down on XX/XX/2015. i finally received a check from my insurance company to pay off the mortgage on XXXX/XXXX/2015. i two day priority mailed a XXXX check to quicken loans on XXXX/XXXX/2015. the post office lost the check and it did not arrive until XX/XX/XXXX so now quicken loans wants me to pay an additional XXXX to avoid forclosure on the property because it did not arrive by XX/XX/XXXX eventhough i have tracking numbers and proof that it is not my fault and it was lost in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: AR Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I have filed for chapter XXXX bankruptcy, may case is discharged, but this debt on XXXX is still showing open and the amount owed. It should be reporting as balance XXXX and included in bankruptcy. It is reporting correctly with XXXX XXXX and XXXX, but not with XXXX. I have disputed this with XXXX multiple times and every time it is coming back as valid and that AR Resources us validating the debt. This is in violation of the Federal Bankruptcy code. I have also mailed AR Resources letters stating this and have gotten no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Recently, a credit card bill came to my house from Capital One. The address was mine, but the addressee name was of no one in our household. I called Capital One to report the discrepancy. They asked me to return the bill back to them and told me that they would take care of the situation. The next month, I again received a credit card bill with the same unknown persons name as the addressee. I called their fraud department again and told me that they have opened up case on this. These credit card bills continue to arrive at my home address to this unknown person.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VI
Product: Credit card
Issue: Credit determination

Complaint:
After several years of unemployment and being delinquent on my Capitol One Credit card we agreed to settlement terms. I complied with my terms sending a check for XXXX dollars which they cashed. They reneged on their terms. After several unsuccessful attempts to reconciled, request my release and they refusing without receiving additional dollars I terminated all communication. They sold the disputed funds to a collection agency as an uncollected bad debt. After all these years my credit has been ruined and they still have debt collectors after me. the Lastest is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I purchased a home in XXXX 2015. I needed to get homeowners insurance, so my Father went to XXXX and met with an agent named XXXX XXXX to get a quote on my behalf. My Father gave me the quote but my mortgage company was able to find me a better option that I decided to go with. A few weeks later I received a statement from XXXX. I emailed the agent and told her that my Father went to see her for a quote and that was it. I had never met her, spoken with her, or signed anything to get insurance from XXXX. I thought I had made this clear until just recently, when a collections agency reached out to me. I 'm appalled that this can happen and potentially hurt my credit

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I had my transfer account to my sons account blocked and cant unblock it. After 7 months the Capital one Bank blocked me from moving money from my account to my sons ( unknown to me ) I had to be on his account. I attempted to make a transfer after I got on his account and still cant do it. I understand the way this works, So I call capital one bank to rectify this issue. I called two times today and no one seems to know what is going on. I called two times and waited once 11 minutes and the other time 8 minutes .. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
I 'm not sure how I ended up with XXXX private loans, each one a different date in a different year. I only signed up for XXXX XX/XX/XXXX. A XXXX one was created XX/XX/XXXX that I never agreed to. Plus the semester I decided to try to finish my degree, I dropped my classes before the deadline so, that loan should have canceled and the XXXX one should have never existed. The reason XXXX told me they never received my notice that I was dropping my classes is because my student advisor, the department head, XXXX XXXX, had quit before my email was received. It 's funny how I never heard anything from a new student advisor? 
I decided to drop the program because I learned that it was a ficticious field of study and their were never any jobs available to begin with. In fact, XXXX dropped the entire curriculum a month or so after I dropped my classes. Apparently, I was the only student left taking classes in the first place. 
I was reluctant to sign up for that last semester because I had problems with the previous semester thus the need for a private loan. I feel as though the financial aid representative coherced me into taking the loan, knowing they were about to drop the entire curriculum. And I believe they fraudulently created the XXXX one. 
I did n't even find out the loans existed on my credit until XX/XX/XXXX while trying to obtain credit. Now, there is n't even anyone available to try to resolve the issue, they closed their doors completely. These loans are preventing me from obtaining the credit I need and deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: PNC Bank N.A.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Pnc bank. I have a XXXX and have been 30 days late on my car payment. This company starts calling me at XXXX. On XXXX they called twice. The payment was made at a PNC branch on XXXX/XXXX/2016! The payment is now caught up. I asked that they stop callin and they refused!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They, Capital One, have called me 43 times in 7 days. Several phone calls were made after XXXX and I have to work at XXXX. They call all hours of the day and they leave 1 second voicemails. I owe this company {$500.00} total and I told them I would pay the {$25.00} I owe on Friday when I got paid. They have called 42 times since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX/XXXX/XXXX we received our USAA credit card statement in the mail and discovered a charge for {$590.00} from an XXXX store in XXXX XXXX. They live XXXX miles away from XXXX XXXX and they have a XXXX XXXX XXXX blocks away from their home so they would never travel that far. They immediately called USAA and informed them of the fraud charge. They were informed to contact the XXXX XXXX and work it out with them. That situation ended up getting resolved and they received reimbursement from USAA for {$590.00}. 
There have been many many times that client has tried to make a purchase and they were declined and they had to actually call in and speak with them to let them know it was them so they can allow the charge to go through. 
On XXXX/XXXX/XXXX there was a charge for {$580.00} with XXXX XXXX XXXX that they found on their credit card statement they received towards the end of XXXX XXXX. They immediately contacted USAA and they told the representative that the charge was fraudulent and they were told they need to contact the XXXX XXXX XXXX to dispute the charge. They contacted the XXXX by phone and they insisted that client made the reservation and they emailed client the guest folio. It shows client 's name and the price and it shows the reservation was made from XXXX out of XXXX, XXXX. However the USAA representative advised client the charge was made over the phone. We were never really given a straight answer when we asked for evidence surrounding this fraudulent transaction. We have been a long time customer with USAA going back as far as XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-01
Company: Direct Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
called my family after i clearly stated do not call anyone else 1 week back.. i even had made arrangements to pay back debt and they still call..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-03-14
Company: PNC Bank N.A.
State: IL
Product: Credit card
Issue: Balance transfer

Complaint:
I called PNC Bank which I had an existing credit card account with to find out if I had any balance transfer offers. I was told I had a 0 % offer so I made the balance transfer of around {$10000.00}. Turns out the offer was only 0 % for purchases and was actually 17 % interest on balance transfers. They also charged XXXX or XXXX % balance transfer fee. Once I found out that it was 17 % I soon after paid the whole balance to avoid further damage to my finances. This was a couple months after I opened the account. Still I incurred over {$700.00} in interest and fees. PNC says they ca n't find any recording of me discussing the interest rate. But if I have the money to pay off the card why would I want to have a 17 % interest rate? Ironically PNC bank is now sending me offers for 0 % balance transfers. 

I filed a complaint I believe with the Office of the Comptroller of Currency XX/XX/XXXX. I did receive a letter from PNC Bank dated XXXX/XXXX/2016 that they received the complaint ( Case # XXXX ). I have heard nothing further from PNC Bank or the OCC. I 'm not sure if the OCC was the correct department to complain to. 

I would like for PNC bank to be required to research this issue and at least provide a written explanation of why they will not refund the interest that I clearly was misled into being charged. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: STONEGATE MORTGAGE CORPORATION
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX XXXX we filed for a loan modification with Stonegate Mortgage due to a loss of job. We were simply asking for the removal of PMI, due to being over XXXX % LTV. We have had over 30 conversations with the company since we filed this, and get different answers almost every time. We were originally told the process would take 30 days, this drug in XX/XX/XXXX and were we given several conflicting reasons why. 

On XXXX/XXXX/XXXX, we were denied the modification due to " being current on our loan. '' This is an issue, because we are currently in Chapter XXXX and this same mortgage company threatened to file for foreclosure if we did not make a payment on the XXXX of every month, so we had to stay current. The HARP/HAMP regulations also state being current is not a dis qualifier. 

We were told we could file an appeal, which is basically an email to the person who denied us. We have tried to reach out numerous times regarding the appeal and the company keeps saying they are looking at it. They said they can not provide us any further information. This process has now drug on for almost 6 months, without any resolution.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief