BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
XX/XX/XXXX I repeatedly reported ID Theft, Fraud re : Cap One credit card.

I received bills from Capital One in XXXX saying I owe them {$690.00}. I reported it to XXXX, Capital One. I don't have a Cap One credit card. I've never had a Cap One credit card. I didn't open a Cap One credit card online at XXXX XXXX. I use my name : XXXX XXXX XXXX, XXXX. I'm XXXX XXXX XXXX, retired. Cap One says I opened a credit card with the name " XXXX XXXX XXXX '' on XX/XX/XXXX online and that I'm responsible to pay them {$690.00}. I didn't. I'm not responsible. Cap One can contact the vendors that represent the {$690.00} and find out who is on their video cameras at checkout that used the card, because it wasn't me. Cap One did a hard pull on my 3 credit reporting agencies : XXXX, XXXX, XXXX dropping my credit score from XXXX in XXXX XXXX down to XXXX in XX/XX/XXXX!! My credit score lost XXXX points not my fault!! WHO can REVERSE this poor credit score DAMAGE to ME??!!! Can Cap One be responsible to me for them letting a computer hacker scam them about my IDENTITY? Cap One should restore my credit back to XXXX, tell the 3 agencies the mistake and erase the poor Cap One credit reported on my credit accounts & my bank XXXX in NY. XXXX XXXX Police arrested XXXX XXXX XXXX on XX/XX/XXXX in XXXX XXXX NY, and he is now in jail at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY. I need these mistakes to be corrected right away and I need Cap One and the 3 agencies and XXXX XXXX XXXX to be notified. The XX/XX/XXXX Cap One Fraud Case # is XXXX and XXXX XXXX XXXX case # is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-21
Company: JPMORGAN CHASE & CO.
State: NC
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:
I have my credit card on auto-pay with Chase through their XXXX app, and they charged me a XXXX dollar late fee. How the heck do I get charged a late fee when I have given Chase the authority to take my monthly payment from my checking account before or on the date my payment is due? What a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX-Date of inquiry  XXXX XXXX XXXX XXXXDate of inquiry  XXXX XXXX-Date of inquiry XXXX XXXX XXXX XXXX XXXX-Date of inquiry XXXX XXXX XXXX XXXX-Date of inquiry XXXX XXXX XXXX XXXX-Date of inquiry XXXX XXXX-Date of inquiry XXXX XXXX-Date of inquiry XXXX XXXX XXXX-Date of inquiry XXXX XXXX XXXX-Date of inquiry XXXX XXXX XXXX-Date of inquiry XXXX XXXX XXXX XXXX-Date of inquiry XXXX XXXX XXXX-Date of inquiry XXXX XXXX XXXX-Date of inquiry XXXX XXXX XXXX-Date of inquiry XXXX XXXX XXXX-Date of inquiry XXXX XXXX XXXXDate of inquiry XXXX XXXX XXXX XXXX-Date of inquiry XXXX XXXXDate of inquiry XXXX XXXX XXXXDate of inquiry XXXX XXXX XXXX-Date of inquiry XXXX XXXX XXXX-Date of inquiry XXXX XXXXDate of inquiry XXXX XXXX XXXXDate of inquiry XXXX XXXX XXXXDate of inquiry XXXX XXXX XXXX-Date of inquiry XXXX XXXXDate of inquiry XXXX XXXXDate of inquiry XXXX XXXX XXXXDate of inquiry XXXX XXXX-Date of inquiry 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 2017-04-19
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
A qualified written request was submitted to the lender on   XXXX     with no response and no postponement of the sale date to allow time for there research to provide the requested loan information and history to assist the client in keeping there home ).

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 2022-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The credit card on the account is a capital one account in which my mother opened back in XXXX, I never had knowledge to this at all until about XXXX in which I received letters from debt collectors stating I had to pay a fee of XXXX due to the account being closed. 
My name is XXXX XXXX I was born XX/XX/XXXX I am now XXXX years old back in XXXX I was XXXX years old. My mother held my identification and social security numbers and did fraudulent activity in my name and I have repeatedly tried to contact the company about this, even mailing them the papers they sent me back and yet still no response. They told me to file for identity theft and Ive also done that and yet no follow up. My situation even goes deeper as my mother uses food stamps in my name while in a different state, and also received my whole income tax return in XXXX without my knowledge not giving me a dime of the money I worked all year for. If I could get assistance with this situation it would be great Im tired of feeling like Im being pushed around by my parents and this company about this situation its seems they dont care if I was a child they wan na make me pay and Im not the person whose should be paying the debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have a total of 5 loans. Two are in my now deceased mother and my name, One is just in my name, and two others are in my father and my name. Since my mothers death we contacted Salle Mae and asked about if there could be in reduction due to not having an income to support the loans initially made. The total student loan debt originally was over 150k. They told us no, the did lower the interest rate for a period but what we missed was while we paid the lower interest rate they added the difference in rate to the balance. As you can imagine, that was not helpful. Since we realized they were doing this we went back to the standard rate but in order to pay these loans I have to have my father pay two of them himself because I can not afford all 5. My father is ready to retire and this over {$800.00} a month payment is extremely difficult and puts a strain on our relationship and pressure to me. He will be on a fixed income and straddled paying my debts and debts acquired when my mother and he were financially separated because I can not afford the payments on my own. When we contacted SallieMae on her death the only consideration was to remove her name from the loans and make me fully responsible ... that was not helpful. They offered no reduction and again only a temporary interest rate reduction that only added to the outstanding balance. Which I felt was pretty shady. 

I looked to refinance the loans but because they are SallieMae they are not eligible to due so. I am left with a HUGE debt that I will be saddled with for several decades if not longer. They really offer no solution that is doable to reduce these costs and I am at my wits end trying to keep up with the payments. 

These loans and the costs of them were not laid out properly to me when I was in school and I had no idea of the amount of debt and time to pay this off would be. In addition, the death of my mother whos income was over 100k prior to her death has added additional stress. SallieMae has made no solution available that does not just add to the balance and continued repayment term.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
We exit the XXXX XXXX XXXX program in XX/XX/XXXX and have still not been unable to receive our final loan documents from aour approval on XX/XX/XXXX for the loan combo motification that we accepted. 

We have called multiple times and was assured that our denial of the loan modification that was approved on XX/XX/XXXX was accepted and that our acceptance of the XX/XX/XXXX loan combo was accepted and that we would be receiving those final documents in a few weeks. 

However on XX/XX/XXXX we received the same final documents from the XX/XX/XXXX loan motification which twe declined and we are still waiting for the correct loan documents to be sent out to us with a mortgage payment of XXXX in which we did accept this agreement. We told by several of customer care personnel to start making this new mortgage payment amount starting XX/XX/XXXX and that we will be receiving the new documents with in a few weeks. 

Each time we called we are told that the new documents will be sent out to us and we are still waiting for these documents since XXXX. Also, we were told numberous times that this have been escluated to a supervisor/management and to the underwriters We would just like to resolve this so that our mortgage will be back on track and we can move on with our lives

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 2019-12-31
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We built our house in XXXX and we were paying our mortgage with no problem then my husband got sick and we had issues. Back in XXXX we missed a few payments of our mortgage and we tried to work with the mortgage company but they would not work with us. We went to a local company for help and went to a chapter XXXX. We couldn't afford the bankruptcy so we went to a chapter XXXX and our terrible attorney did not inform us that we could lose our car and property if we did not continue paying. 

We have applied for 10 modifications with no resolution! Our mortgage company would not let us pay at that point. We hired many attorneys and then after paying a lot of money we were told we need to sue our mortgage company but we did not have the money to hire a litigator. Before the XXXX of XXXX we tried for one last modification which legally is supposed to stop the foreclosure and the sale of the house but of course this powerful bank has hold on our city and our house was to be sold at auction. No one showed up so the mortgage company assumed it. We stressed the fact that my husband has XXXX and is in treatment and still working so we do have income coming in. The company we hired said we need to sue the mortgage company but we are financially strapped with no means of help towards it. Now we have to be out of our home and the amount of money we have to spend to move we could put toward our mortgage! The mortgage company foreclosed on us so our credit is shot! Which means trying to find a place to live is very difficult! We have tried to reach out to every agency here in XXXX NY and no-one would help us!! We have been turned away from every housing agency here. They told us to hire an attorney which we can not afford! We are frustrated and angry!

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 2017-07-25
Company: The Law Office of Michael A. Priddle, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XXXX 2017 my car broke down and has been tow by XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX , KS.XXXX After so many attempted to have estimated send to me and to find out the cost of the repair, without proper notification they hire attorney to put a lien on my vehicle and try to retitle the vehicle without my consent. 

XXXX XXXX XXXX, XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
I tried to wire XXXX into a Bank of America account and they both failed due to the recipient sending incorrect information, one being the account number was correct but the sender omitted their full name and left out a name. BoA decided to take XXXX dollar fees for each returned transfer, and in total have taken XXXX dollars in fees. These are fees I did not agree to or was told about. All BoA had to do was return to money, and actually it never even left my account.

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 2017-04-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My Equifax credit report reports  Federal Tax l iens. Equifax improperly and incorrectly reports these items. In   XXXX   XXXX   XXXX     the Department of th e Treasury-Internal Revenue Service  issued Forms  XXXX  Withdrawal of Filed Notice of Federal Tax Lien as relating to the  Federal Tax Liens  Equifax is reporting. These Forms  XXXX  have been filed with the  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX  Florida  XXXX . Equifax has repeatedly refused to correct their error . On three sep arate occasions I filed disputes with Equifax providing documentation to support my dispute. Both  XXXX  and  XXXX  immediately deleted these items from their reports upon receiving a single dispute. Equifax by continuing to knowingly, improperly and incorrectly report these items has harmed and continues to harm me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Last year on XXXX we had trouble paying because my wife lose her job due to COVID and we spent our savings paying for all, we requested the COVID forbearance, we just skipped few payments on XXXX we approached Freedom mortgage, they said we qualified for refinancing and sent us some paper work we motorized and sent it back, the bank said the notary messed up the documents, they sent another one with another notary they received it XX/XX/XXXX In the process we kept paying monthly what they said we should pay with the refinancing, today XX/XX/XXXX that havent refresh our account, the system shows we are way far behind, the money we have been paying is on the payments history but it has not been applied. We have been calling every two to three weeks and they say sorry about that, they are getting behind but no resolution, I was reported on the credit bureau,

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 2017-07-25
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On Friday, XX/XX/XXXX a Citibank employee from a local branch phoned me and tried to sign me up for a " CHECKING PLUS '' account, which protects checking accounts from overdraft fees by " loaning '' the recipient a {$1000.00} line of credit and taking fees out of the checking account to cover the loan. I declined this service. I had a free checking account with direct deposit and automatic bill pay and this is not a service I needed. The call from XXXX came in during another call and lasted less than 2 minutes, and I went back to the call I was on. The Citibank employee not only went on to open this " CHECKING PLUS '' account without my permission, he also attempted to open a " CASH and CREDIT LINE '' loan, but the bank declined this. I NEVER AUTHORIZED THESE BANKING SERVICES. I have been trying to resolve this problem for over a year, once I discovered that the bank was taking up to {$37.00} per month to cover this loan. Moreover, this line of credit has massive hidden fees. I estimate that I have paid 3 times the amount of the {$1000.00} " CHECKING PLUS '' loan over the last few years. The loan is never paid down and the bank says I currently owe {$1100.00} ( estimated ) on this account. I include an example of the overcharging in the documents. For example, the first time it used, {$200.00} is taken from the " CHECKING PLUS '' account on XX/XX/XXXX. However, after that the statement reads after I owe {$390.00}. Where does this other {$190.00} come from? I have tried to resolve this problem with both the local branch and the national customer service/credit department to no avail. No Citibank employee can explain to me exactly how the " CHECKING PLUS '' account works, or why I allegedly owe {$1100.00} after paying thousands of dollars in fees over the course of four years. I claim that the opening of this " CHECKING PLUS '' account is an act of fraud by a Citibank employee, and that they have used this line of credit to overcharge me, take excessive fees from my regular checking account, and otherwise violate my rights as a consumer protected by state and federal banking laws prohibiting financial institutions from opening lines of credit or otherwise providing services with fees to consumers without their express permission.

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 2019-10-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/19 I noticed a check was processed though my account I immediately contacted to citizens to advise them of this fraudulent activity the first rep showed no concern stating he didn't understand since I signed the check! I did not sign any check and citizens can confirm this is not my signature if they compared to any of the hundereds of checks that I deposited the rep advised he would start a claim and that it would take 6-8 weeks for me to be reimbursed! I requested a supervisor who explained yes it would take six weeks for reimbursement I advised her I had emails from a company I purchased checks from advising my check order went to and incorrect address back in XX/XX/XXXX and the check numbers! This was the first number form the batch of missing checks! XXXX stopped payment on the remainder checks and told me I would be charged a {$35.00} fee! She would look into rebating that fee but I have not heard back! My concern is there was no lack of urgency with reversing these funds as they can plainly see this is not my handwriting I feel citizens does not protect their consumers from fraudulent activity! I cant afford this to happen at this time my husband has been out of work for 5 months and citizens can confirm the XXXX checks being deposited which is 80 % less of the income that normally goes into this account..My funds are supposed to be protected with this bank and they are not! I am beyond frustrated with the lack of concern the no protection and the time they are advising they will reverse the funds to my account! There was a check written for {$400.00}! By a XXXX XXXX are they looking to see where this person cahsed this check and where it was accepted and after this person! Per XXXX she stopped payment on the remainder checks starting with XXXX I hope she has done this! I told her I have the email for the company checks in the mail advising my checks were sent to an incorrect address hoping that would speed up the reversal but it didn't!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OR
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
The company  XXXX   XXXX  sold my mortgage to several debt collector without notifying me about my mortgage. I got phone calls fr om Bay View saying that I was behind on payments. I did n't know who Bay View was   and I could n't understand what their representative was saying as she would talk to fast. They wanted to know when I could get caught up on back payments. I went into  XXXX   XXXX  to find out what was going on.  XXXX   XXXX  told me that they were not going to do mortgages any more.  Bay View sent letters wanting to know when I could make payments, they would call late  at night (  XXXX  ) .There were times that I could not understand what their operator would says, at times she would say baby view, demanding that I pay up at once. I 've tried to te ll Bay View th at I could n't make the {$540.00} dollar payment as I have other bills to pay.  Bay View wo uld send letters almost on a weekly bases sometimes I would get  XXXX  letters the same day. Phone calls would be rude and very demanding to the point where they said that they would start foreclosure on the house. When they said this I immediately went down to talk to a  Lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PNC will not allow me to make my XXXX payment, either through processing the auto draft that they have been using for the past months since they took over from BBVA, or by any other means. Customer service can not explain why. My account shows a payment due currently and there is literally no way for me to pay it. There is no eta on when I will be able to pay my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: HSBC NORTH AMERICA HOLDINGS 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: Account information incorrect

Complaint:
Helo CFPB. Im a victim of Id theft. Please forward documents to HSBC,  thank you!

Company response to consumer: Closed with explanation