BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-03
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I had a personal line of credit with XXXX  XXXX XXXX. XXXX  XXXX XXXX sold my loan to specialized loan services. The transaction took six months to get all theAll the paperwork. So in the meantime I am paying specialized loan services, XXXX  XXXX XXXX Computer doesnt realize that I making payments to new lender. So I received from the credit bureau 90 days late. Wrote a letter to XXXX  XXXX XXXX explaining what happened, they said according to their records everything was done correctly. Now specialized loan services is also said Im 90 days late on payment. So I have XXXX in mortgages the value of the property is {$1.00} XXXX and I cant refinance because of the late reporting. 

I tried to make up the late payments and specialized loan services said Im too far behind even though I had more than half the money to make up the arrears And now with the coronavirus I have no ability to make the payments to specialized loan services which is the second mortgage now I gather. 

So by complaint is my line of credit went from {$1000.00} a month for XXXX which I paid for close to eight months and now with my credit problem Im on able to refinance my house and Looking for help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I used my Capital One Reward Miles to the tune of XXXX of them to purchase a package which included airline tickets and hotel. After waiting for several hours we were told the flight was cancelled. In conversations with Capital One they offered a flight two days later and also advised the return flight at the end of the week was also cancelled and they offered to replace that with a flight two days later as well. None of that worked so we said cancel the flights and give us our miles back. They said they could only do that if the package was cancelled and it was possible the hotel would not be available to rebook. So we left as is until after the trip. Now Capital One claims that the flights were not cancelled but only delayed within a reasonable period of time. All lies and shown to be such by their very own notes from the original calls, but they choose to stick to this story rather than honor was promised at the time, a refund of miles for airline travel. Now they put us on hold for 40 minutes at a time only to come back and give the same answer. A travesty! Especially since our business spends XXXX thousands with them monthly!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
contacted company to inform them of such mistake on my report and they informed me that account were verify without telling how they verified it to prove it was mines.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
The Payroll Protection Protection program is out today through the Government. I went to my bank of 25+ years, Bank of America , and they denied my loan because I didn't have an existing loan or credit card with them. Decades of loyal use of their bank meant nothing. This PPP is literally a life-line for my business. If I don't get it, I'm laying people off in a week or two. The whole purpose of the PPP is to keep people employed so they don't add to the massive unemployment rate, yet Bank of America added a stipulation ( which has nothing to do with the gov guidelines ) ... they're actually requiring their customers to have an open loan or credit card with them. So they're prioritizing customers based on how much money they're making from them, such as interest made on loans or credit cards.

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 2019-02-17
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
1. Voluntarily increased monthly payment by $ XXXXmonth. Requested to go back to original amount and Navient denied it. 

2. De-authorized bank that payments were being drafted from and Navient drafted the {$320.00} payment anyway. 

3. The Navient website states that you can stop automatic payments, but you can not. 

4. The amount of interest paid on the original principal is more than sufficient to cover the loan and therefor the loan should be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: CMRE Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CMRE is using a tacit to collect on a debt and states in my consumer report that I dispute the account, I do not dispute the account and have sent many letters stating. This is a tacit that requires the consumer to call and ask from them to remove and when I did, they said I would need to settle before they can remove it. I applied for a XXXX refi and was told due to the dispute the credit union could not move forward until it was removed.

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 2018-07-24
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
This is a simple case of a BIG SHARK taking hold off a little puppy and shaking it. I have repayed my loan back. This is so scary please review documents. I was in the last year of my schooling, had no parents to help and I had no choice but to just sign on the doted line. I am like 100,000 $  in debt with my student loans and this is just one of the examples of how I will never be able to pay this off. I at the time did not know what I was signing and I was never sat down and told how I would never be done paying. Please can you look at his breakdown and documents and please help me. My aunts have taken this loan on personally as I have tons of others to pay. My aunt now has XXXX and I want to be able to tell her she has paid enough. Please help me be able to STOP being taken advantage of. How are things like this even allowed? I was a kid, do I have to pay for this all my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have been trying to get a loan from XXXX XXXX XXXX for my small business as it was dissolved during the Covid 19 Pandemic. I do not qualify for a loan anywhere else because I am a sole proprietor, my business is very small and I've only been operating for 3 years which unfortunately means for me that I have no returns to show. However, this was my only source of income so I revised my business plan made a few adjustments placed my business online and am now seeking a loan in order to get the assistance I need to operate successfully in the online space. I was asked by XXXX to provide a credit report as they weren't able to generate on from their system. This is primarily due to the fact that I only have both ITIN and EIN tax ID numbers that I was issued to operate my business here in the U.S and not a social security as I'm currently undocumented. However, I have been a resident here for 10 years, the problem when I contacted Experian was that I'd never borrowed a loan. The representative further explained, that because of this issue there was no information from which he could generate a credit report. When I explained this via email to XXXX, I received a response stating that my request was denied. I have been a customer with XXXX bank for over 3 years and visited them today to see if they could help as this is where I complete all my transactions- both business and personal. The representative gave me the website XXXX and advised me that this is where they refer all their clients who request credit reports as we are required by law here to get a free credit report at least once per year. When I logged in here they also asked for a social security and I was denied when I entered my ITIN number. My issue is not exactly a complaint, it's a matter of confusion. I don't understand how to get a credit report and I really need to rebuild my company so I can generate an income to provide for myself and teenage daughter. Again, I do not qualify for a loan elsewhere and was extremely happy when I saw that the services provided by XXXX includes business like mine. If I could get some assistance from here I would really be grateful. I'm searching ... lost.

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 2017-02-02
Company: SecurityNational Mortgage Company
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Beside usual escrow payments like property taxes and homeowner 's insurance my lender included in the escrow account some supplemental payments like XXXX XXXX XXXX XXXX XXXX XXXX. I was billed for XXXX by the city and paid it by myself. Then I have recognized that my XXXX account is negative ( overpaid ) while I am short with my escrow account. As a result, my monthly mortgage payment increased and it seems that I just lend money to the mortgage company. All my attempts to talk to the customer support ended with their promise to move my request to the proper department, but no one came back to me whatsoever.

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 2015-05-26
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Just saw a XXXX charge on collections on my credit score have not been with them since a long time did not owe them anything. I paid everything before I left now its showing a {$240.00} charge. 
I have not received any letters

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I signed up for direct deposit and they issued me a routing and account number. I received my first direct deposit on XX/XX/2022. I received the second one on XX/XX/2022. The time for the third deposit to hit on XX/XX/2022. Never hit. I checked my other bank account and my funds had been deposited as normal. I wait until later in the day and still no deposit posted to Coinbase. I was given the run around after calling so decided to read the terms and agreement. I found that XXXX handles the heavy lifting and the direct deposits. I called them and entered my information in and they advised that they had records for all three deposits that were posted to the account Coinbase gave me and to contact them. I tried reaching out to Coinbase and no one knew what I was talking about and could help. They then flagged and locked my account as a risk once I started calling and emailing more. I just want my {$660.00} deposited into my account so I can be done with the horrible scam of a company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
XX/XX/2021 - online application was solicited for HSCB by XXXX XXXX via email XX/XX/2021 - application was submitted to HSCB online XX/XX/2021 - documents were submitted online to verify income and banking information XX/XX/2021 - phone call with HSBC to review income verification with request for additional information. 
XX/XX/2021 - call returned to HSBC to verify employment information. HSBC stated no additional employment verification was needed at this time. 
XX/XX/2021 - additional income verification submitted online based on the XX/XX/2021 phone conversation. 
XX/XX/2021 - email received stating loan had only 2 days left to submit the required information. 
XX/XX/2021 - email received stating loan declined due to failure to verify employment " Unfortunately, we are unable to approve your Loan Application due to the following reason ( s ) : We are unable to verify your employment '' ( attached ) XX/XX/2021 - phone call to HSBC resulted in response that all loan decisions are final and this employment verification error can not be revisited and that no application could be considered for 180 days. HSBC employee would not transfer me to her supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: United Group Inc.
State: WA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was in an accident. I had a loan on the vehicle. The finance company had an insurance policy on my vehicle so the car went to the finance company after the accident for the insurance company to pay off the claim. Instead of handling the situation properly the finance company put the car on my credit as a repossession. The car was n't repossed at all. United Finance Company XXXX WA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: MRS BPO, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The following agency is not bonded in the state of TX and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: EQUIFAX, INC.
State: MI
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:
Disputed several incorrect information on my credit report several times and Equifax fail to corrrect/delete. 

Creditor XXXX XXXX XXXX acct # XXXX is currently being incorrectly reported as an OPEN COLLECTIONS. This acct has been included in my XXXX XXXX XXXX that has been XXXX and should not appear on my report. 


Creditor XXXX XXXX acct # XXXX is included in same XXXX XXXX XXXX that is XXXX and should show XXXX balance or DELETED. 


Creditor XXXX XXXX acct # XXXX is included in XXXX XXXX XXXX XXXX and has NEVER been LATE. Incorrectly reporting XXXX days late. DELETE at once. NO PAYMENT HISTORY SHOULD BE REPORTED AS LATE AFTER XXXX XXXX FILING DATE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-08
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I sent Sunrise Credit Services to certified Validation of Debt letters. They never responded to my request and never gave me any prior notice of this debt. My understanding of the Fair Credit Reporting Act they are required to provide me the information I requested and if they do n't they are required to remove this negative report with the CB. Furthermore, they ran my credit without oral or written authorization damaging my credit as well.

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 2016-12-16
Company: Convergent Resources, Inc.
State: NY
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 am being billed by XXXX recurrently for a line of service and phone that I did not sign up for or own. I was also told by a bank that my address submitted to them, via a credit card application, did not match the address within the credit bureaus. I am concerned about identity theft and fraud. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: American Credit Acceptance, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Hello, to whom it may concern I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina to purchase an car, I was approval for an XXXX XXXX XXXX with 230,000 miles, I understood that the mileage was high, I was ok with that because at the time the car did n't show any sign of ware. As the months went by, I begin to notice problems with the front end and the car would roll back on hills without been in reverse. So inXX/2016 I decided after driving the car for one year and making payments on time, I tried to trade the car I for a new model with less mileage, I went to XXXX XXXX to try to trade their car for a new model with less mileage no assisted me, so I went to another car and approval forXXXX car with 17,000, and they would only give me XXXX dollar for the XXXX XXXX because they pull the XXXX and it showed that the XXXX XXXX had been in 2 reported front end accident, WHICH XXXX XXXX DID ADVISED ME OF, I was told that they are suppose to tell you about any accident which they did n't, I understand car are sold as is however they must tell you about the accident, now I understand the frond end problems this care is giving me, and why I cant get at ast a good trade in on this care, I DONT FEEL I SHOULD PAY ANOTHER DIME ON THE DAMAGE CAR, AND XXXX XXXX SHOULD SEND American credit acceptance the balance .XXXX XXXX XXXX XXXX-vin XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2015, XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: EQUIFAX, INC.
State: PR
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 opened an account ( residential account ) with  XXXX   XXXX   XXXX   XXXX   XXXX  known today as "  XXXX  ''  XXXX  in  XXXX . I personally went to this company and closed the account in  XXXX  ( I am attaching evidence ). During the last years, this account appeared in my   XXXX    credit report in the "  Closed  Accounts '' section until it was removed from my  XXXX  credit report. Recently ( since  XXXX   XXXX  ), this account was added to the " Open Accounts '' section when it was closed and removed from my credit reports. I submitted a dispute with   XXXX    along with an evidence letter. The evidence letter stated that this account was closed and that it has {$0.00} balance. Unfortunately,  XXXX  did not accept this evidence so as to remove this account from my credit history. I called again to  XXXX  and they asked me for another kind of letter  XXXX   Credit Correction Letter   XXXX . Then I called again to  XXXX  and they informed me that they " will '' send a  Credit Correction Letter . Originally  XXXX  informed me they sent the letter but they did not. Attached you will find evidence that I went personally to  XXXX  in  XXXX  to ask for a letter as an evidence that this account was closed in  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent a request for validation that XXXX signed for on XXXX XXXX 2015. The USPS tracking number to prove this is XXXX XXXX XXXX XXXX XXXX. They never validated the debt within the time frame legally allowed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14
Company: Army and Air Force Exchange Service
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My son was on a field trip at XXXX XXXX GA. I received a call that he was shoplifting. He said he wasn't. The schedule was responses for monitoring the children. I was told they were not going to the main exchange and then later found out they were not monitoring them and several students went to the main exchange. I received a letter stating that I owe {$200.00} for the recovery act. I tried to appeal to AAFES and they denied it. I then get a letter that it went from {$200.00} to {$220.00} AND is on my credit report. I only received 1 letter then a collections letter. Never had instructions on how to dispute. I googled it. It took 2 months for a response. My son has never been in trouble before. I was told they recovered everything. Why is there a recovery fee?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
American Express promotes their Blue Cash Preferred Card as 6 % cash back, but doesn't recognize simple grocery stores as XXXX XXXX as qualifying for the 6 %. Their definition of a " supermarket '' is narrow, and isn't clearly stated in their advertising.

Company response to consumer: Closed with explanation