BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Capital One Auto Financial reported a few hard inquiries to my consumers credit report. I did Not give them my written consent or permission to do so. No consent is identity theft and unauthorized use. Capital One Auto financial had also sent me numerous of letters in attempt to collect a debt ( harassment ) which is also against the U.S. codes. Title 15 1692 ( d ). In one of the pictures below, Ive underline where Capital One states that This communication is from a debt collector and is an attempt to collect a debt ; any information will be used for that purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Credit card
Issue: Other

Complaint:
This is similar to the current XXXX XXXX situation, but with a spin, since instead of opening a new account without your consent, in this case the consumer is duped into opening an account. I tried to buy a vacation package from XXXX ; at checkout, I was offered {$50.00} if I applied and was approved for a XXXX XXXX Credit Card, and used it to pay for the vacation package. I applied and was approved. However, XXXX did not let me use it to pay for the vacation package. I had to purchase the package using another credit card, but they still sent me the new credit card. This is a fraud because the consumer is promised a thing of value, {$50.00}, but then there is a 'bait and switch ' so that to complete the transaction, the consumer does n't actually get what was promised.

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 monetary relief
Consumer complaint received 2015-08-20
Company: Legal Recovery Law Offices, Inc
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Regarding practices of Attorney XXXX XXXX XXXX, XXXX XXXX # XXXX. XXXX collected numerous debts on behalf of XXXX XXXX credit card against XXXX XXXX XXXX. XXXX XXXX is on social security and had only the social security payments as assets in her account. He garnished ( against government rulings ) her account in excess of {$3000.00} leaving her destitute, and at the same time put a hold on her safety deposit box. Upon being contacted by the FTC, the bank quickly reimbursed her the funds, but this was wall after she had to borrow money to make up her monthly stipend. Attorney XXXX stated in his answer to FTC that he would remove the hold on the safety deposit box. This has not been done to date and he is holding not only her belongings, but those of her daughter and grandson. He needs to follow up on his word and take the hold off of the safety deposit box immediately. He is an unethical attorney who preys on the most vulnerable and he should be sanctioned for his tactics. His company is called Legal Recovery XXXX and is located in XXXX XXXX. After a year has passed with nothing done to release the safety deposit box, I am refiling this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Mary Jane M. Elliott, P.C. Attorneys At Law
State: MI
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:
I filed a policy report that deals with indentity theft, which relates to a number of issues concerning identity theft at the time. Upon retiring from XXXX XXXX XXXX, management, during the month of XXXXXXXX XXXX I noticed suspicious activity, that included someone hacking into my identity, filing for unemployment I never requested, likely using up some of my old credit cards for higher balances being increased as reported on the credit reports, such as XXXX by original creditor, XXXX XXXX XXXX XXXX ( a XXXX XXXX XXXX ). The purpose of this request is that I highly question the suspicious activity to this particular account being reported here. I'm asking the Creditor or anyone who has access to the specific details concerning all transactions to this account from the last two years prior to it's closing of account. Could this account have a full furnished detail of itemized transactions of dates and maybe of times of those transactions? I believe this account was originally not owed anything, prior to these ring ups in transactions, and if no response is achieved within 15 days of this request, would you be able to have all credit reporting bureaus, XXXX, XXXX, XXXX erase this account balance to a zero balance if we don't get response in time for reporting to be update on what those transactions are that caused this balance to become {$5100.00} in the first place. thank you

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23
Company: CAVALRY INVESTMENTS, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
DEBT COLLECTOR has not notified the CONSUMER that such negative/unproven information was placed on CONSUMER 'S credit reports. DEBT COLLECTOR has neither furnished any paperwork showing from what original creditor this alleged debt comes from ; how the alleged debt was purchased ( or was legally assigned collection authority ), nor how it calculated the amount ( s ) that appear on CONSUMER 'S credit reports, per Section 803 of the FDCPA. Furthermore, it is beyond the CONSUMER how an account can appear as both 'open ' and 'closed ', with conflicting amounts displayed. This account also appears to be re-aged in an attempt to keep negative information on CONSUMER 'S credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-04
Company: 360 MORTGAGE GROUP LLC
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
360 Mortgage has not complied with VA standards on my VA home loan. I have submitted a new forbearance package for approval or a modification to my loan if need be. All documents have been submitted and my VA loan tech has been notified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to Covid19, we were offered deferment options on our Bank of America Loan. We have since learned that BOA is not our lender, but our servicer. We have been repeatedly told that we would be offered options ( a program ) to repay the deferred amount. I have been talking with BOA since XXXX of 2020 and have spoken to BOA 9 times about the situation. We are now in a position to stop the deferments and start back with repaying our mortgage. We submitted the asked for paperwork and have since received a letter stating that if they do not offer us a payment option they can foreclose on our home. NEVER WAS THIS TOLD TO US AT ANYTIME DURING OUR NINE PHONE CONVERSATIONS. Now BOA is telling me that it is up to XXXX to decide whether to offer us an option or not. This is absolutely NOT ACCEPTABLE. We have done everything the servicer asked and I feel as if they are frauds and not helpful at all. This has been an absolute nightmare with theis servicer and I will NEVER use BOA for anything again. STAY AWAY FROM BOA.

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 2021-08-31
Company: WELLS FARGO & COMPANY
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
So on XX/XX/2021 i started the process of getting my home refinanced. Today is XX/XX/2021 and i have not been told if im approved if i will close. every month they just keep asking for more paperwork which i have given them. and each week i get a call since XXXX that it is in process and we are working to get it expedited. and now they are asking to rerun my credit i have to keep extending my rate lock and i keep watching my credit drop over and over again the more stuff they ask for. this is a joke that has taken over 5 months and it is still not complete. they will not allow me to talk to any supervisors. they just said they are working on it. i am over this process and need help to get this resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: General Motors Financial Company, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I get repeated calls from GM Financial, but I dont have any accounts with them. I call back and they tell me they cant take me off the call list if I dont have an account. I cant understand the messages they leave because they speak in a low mumbling tone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26
Company: PNC Bank N.A.
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have submitted a request for release of a XXXX mortgage with PNC Bank overv ( XXXX ) XXXX months ago. There are serious ownership issues I raised plus I submitted a letter of financial hardship. I realize that PNC may have more than its fair share of non-producing mortgages, but in my case the loan was a wrap around note with my business that eventually dissolved through a Chapter XXXX bankruptcy petition. My responsibility to the note has been discharged, however I believe that PNC has no other recourse but to forgive the debt completely. The Mortgage Forgiveness Act of 2014 will protect me of any IRS issues for forgiven debt. I demand that this matter be resolved immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: Flagstar Bank, N.A.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Step 1 : On XX/XX/2019, at our request, Flagstar Bank, our mortgage holder, sent out a payment from our escrow account of {$1200.00} to our home insurance company. The check was never received by that company. We called and asked them to find out what had happened. The money was not refunded to our escrow account. 

Step 2 Flagstar then sent out another check in the amount of {$1200.00} on XX/XX/2019, but they put a stop payment on it. This second amount was refunded to our escrow account. 

Step 3 In XXXX, we called Flagstar back and asked them to ensure the money had been sent. Flagstar finally sent a payment again from our escrow account in the amount of {$1200.00} on XX/XX/XXXX. We almost lost our home insurance because of this delay. 

The insurance company did receive this last payment and that was settled. However, the first payment made on XX/XX/XXXX has never been refunded to our escrow account. We have called four times. Each time, we have been assured that the money will be refunded. It is now XXXX, our escrow account is overdrawn, and Flagstar Bank has increased our monthly payments due to this shortage. We are at a loss on what to do.

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 2015-08-04
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
After XXXX refused to fix, replace or refund charges they made to my Barclaycard XXXX for some unusable equipment and service that could never happen, I called XXXX to try to open a dispute. On XXXX/XXXX/2015 at XXXX, XXXX , Employee ID : XXXX, took my complaint and said she would be back with a case number. When she returned, instead of giving me a case number, she conferenced XXXX of XXXX on the line. A little way into XXXX and my argument, I realized XXXX had already hung up the phone. I hung up and called Barclaycard back, and XXXX, Employee ID : XXXX tried to get XXXX on the line again. I told XXXX, just like I had told XXXX, that all my attempts to talk and email some sense into XXXX had failed, because all they do is take money. I told XXXX to just open a dispute like other credit card companies do, but she refused. She said all the supervisors were too busy to talk to me. She said I would have to cancel my card to stop XXXX 's monthly billings for nothing. I called back and XXXX, Employee ID : XXXX cancelled my card for me. I explained to him that I would never pay them for the XXXX charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-01
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I received a check in the mail from my mortgage servicer stating that I did not send enough to re-instate my loan. I have been sending them money on a regular basis since I regained employment. I am trying to catch up on my payments as fast as I can. Why are n't they accepting this payment when they accepted previous payments and payments since this payment? Help me stay in my home! I 'm desparately trying to catch up on my mortgage that was already modified once!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TD BANK US HOLDING COMPANY
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I changed bank accounts, so I updated my autopay online, however the system used my old bank account instead. This happened twice, and when I finally talked to someone, they said that I should turn auto pay off, make a manual payment, and then wait for that to post before setting it up again with my new bank account. Now my autopayments do not increase my available credit for over TWO WEEKS. When I messaged them online about it last month, they said they had to have a conference call with my bank to verify that the payment posted. They finally updated my available credit after I complained last month, but they did the same thing this month. So I called. And they said it was because I had a returned payment in the last year, so that they only way that I can get my available credit adjusted is to have a conference call with my bank. WHAT? It was their system 's fault that I had a return payment, and not only did I have to pay a fee for that, now they won't updated my available credit in a timely manner? The rest of the world can verify payments and post them in at least a couple of business days if not immediately, and the payment is processed out of my bank on my autopay date, but TD can't verify that it isn't returned for TWO WEEKS? What century is your company operating in?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: PNC Bank N.A.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We do not escrow either insurance or property taxes. We have never escrowed I or T for the loan on this property. Without informing us, PNC bank paid our property taxes more than a month early. When we paid our taxes the day before they were due, we were informed by XXXX County that PNC paid them. After XXXX telephone calls PNC finally asked the county for a refund and our check was accepted. The reason we insisted on payiing is we did n't want the escrow that would result for last year and this year 's taxes ; more that {$430.00} per month. 

Subsequently, we received our XXXX XX/XX/2016 mortgage interest statement from PNC. The PNC contained several errors. The mortgage interest amount was wrong ; it did not include our last payment 's interest even though the remaining principal amount shown did include our last principal payment. The escrow balance showed a negative {$5100.00} and the taxes paid showed a positive {$2600.00} even though PNC had received a refund of the taxes it paid. We have not yet received a replacement XXXX which will likely cause us to have to file and amend our taxes for 2016. Trying to get this resolved took another phone call. 

Finally, we received in the mail on XX/XX/XXXX a statement from PNC stating in part " We 're concerned about your recently missed payments ... .. '' We have never been late with a payment. Another phone call. I was told that we are current. The mailing was " computer generated because of all the adjustments made to our account. '' What adjustments? 

I am deeply concerned that this latest computer snafu will impact our credit scores and future ability to borrow money for a car or obtain a credit car.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
About 6 weeks ago there was a message put on my Capitol One account that funds were not accessible to me. I called the #, which took me to a voicemail. I left multiple messages, one day somebody called me back and explained that they were closing my account due to transfers not happening. The issue for me is it took way to long to transfer funds from my XXXX account to the Capitol One account and I was going to close it anyway. They told me as soon as all pending activity cleared they would send me my funds. I call every day and ask for a call back, none as of yet. Still no funds and still the same message on my account. Please help me, I am not wealthy and the money is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: PNC Bank N.A.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a Mortgage with PNC which I am paying off. In the payoff statement they included a charge of {$390.00} for " Outstanding corporate advances ''??? When I called customer services, after 1 hr on the phone the representative could n't find any justification for this charges, then the supervisor joined the call and confirmed that THEY NEVER NOTIFIED MY OF ANY OUTSTANDING CHARGES, and that they have NO evidence of ever contacting me about any pending charges, she then said that they have the right to charge whatever they want because of the " language '' specified in the Security Deed, of which allows then to charge any miscellaneous charges they want, but she was not able to tell me where in the Security Deed says that nor to specified the referred charges. 
This is a typical abuse from Mortgage companies, that suddenly want to charge extra fees when I am paying off the mortgage. Very disgusting and unlawful business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I Checked my report and noticed Barclays account still reporting. I paid this balance and negotiated a deletion which was agreed upon. However years later, this account is still reporting negatively. I dont appreciate being lied to because this is grounds for a law suit

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 2022-11-18
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I never had a bad experience with other dealers to purchase a car. 
I came to XXXX XXXX XXXXXXXX XXXX  in XXXX, IL to buy a new car. 
The salesperson lied to me that the dealership doesnt have the new cars. I bought the used car XXXX XXXX, giving deposit {$5000.00}. 
After XXXX day of purchasing of used car XXXX XXXX XXXX I came back to return the car and get the new one because they had the new cars in stock. The salesman took the used car in trade-in on {$5700.00} less that it cost XXXX day ago, it's less than 24 hours from purchase the car. The value of the car was {$32000.00}, on the next day the dealer took this car in trade-in for {$27000.00}, difference in trade-in {$5700.00} and didn't return or transfer the deposit {$5000.00} to the next installment contract. 
It's terrible, it's fraud. Also he added XXXX XXXX XXXX for {$990.00} in buyer 's contract and didn't return this amount in the next installment but added again {$990.00} XXXX XXXX. XXXX. 
For what protection/warranty it worked XXXX day? 

I got the new XXXX XXXX XXXX for base selling price {$35000.00}, they added to my retail installment contract difference in trade-in {$4900.00} plus XXXX XXXX XXXX XXXX {$990.00} again. 
In the meantime Accident happened on XX/XX/XXXX with the car XXXX XXXX XXXX. 
The car determined is total loss. The damage to the vehicle exceeded the repairability threshold. The damage estimate is {$28000.00}. 
The dealer XXXX XXXX XXXX refused to return the amount on Protection Packages and the difference {$4900.00} value on the previous XXXX XXXX XXXX. After insurance will paid off by settlement I'll still have the loan balance and I don't have the car anymore. 
I paid already 12 % of the loan, it's {$5300.00}, my deposit {$5000.00} didn't return and I still should to pay the loan balance? 
Why should I pay for a car that doesn't exist anymore? 
Please resolve this issues with the XXXX XXXX dealer in XXXX, IL because they didn't want to return nothing from previous cars. This is fraud and robbery from the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
Ditech and the credit bureaus are falsely reporting as of XXXX XXXX, 2016 that my last mortgage payment was on XXXX XXXX, 2016. Ditech and the credit bureaus are falsely reporting that my account status as of XXXX XXXX, 2016 is " past due. '' I have written the company, and when I called the company on XXXX XXXX, 2016 I was told that they only report to the credit bureaus every six months. It is not acceptable for the company to have false information in my credit report for a six-month period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation