BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-29
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XXXX XXXX, we initiated a mortgage refinance with US Bank in XXXX, CA. We completed the application, provided all information and got our rate lock and paid money for our appraisal. We emphasized that our HELOC was maturing and we needed to get this completed. They quoted 6-8 weeks. The appraisal came in higher than expected and the loan was sent to underwriting. Then everything fell apart. They delayed our loan for weeks. Then they sent a request for our accountant to give a forward-looking statement that our business would remain solvent for the foreseeable future. Our accountant stated in writing that it was against XXXX for him to provide that and provide the routine letter about our health. We provided tax returns and P & Ls. Finally after complaining that we felt we were being treated unfairly, they agreed to accept a letter from our CFO, and they drafted the letter. We complied and delivered the sign letter. They went silent for two weeks and all of inquiries were met with " we 're working on it ''. Three weeks later, they responded that they would not accept the letter and instead wanted a cash-flow analysis from our accountant stating again that the business would remain solvent into the future. They also mentioned our bank could provide that information. We took this to our business bank, XXXX XXXX, and their legal department said they had never heard of a bank making this request and that no bank or accountant could make that claim about future results. With nowhere to go, we had to cancel the loan after 10 weeks. We are now dealing with a second that has matured because of the delays and faced with starting the process again. We do not feel that we were dealt with fairly, and perhaps even in a discriminatory manner. We do not believe they treat others with our similar credit history and income level this way. It may also be that they quoted too low an interest rate ( we have been told that by XXXX mortgage brokers ) and simply wished to get out of the agreement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
ceased and dististed this debt I do not validate that was sold over to a third party debt collector. 15 USC 1681a 2 ( iii ). There were 2 companies that made an agreement without my disclosure and it states it must be clearly and conspicuously disclosed to the consumer. 15 usc 1681 2 ( b ) I do not authorize this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV funding llc XXXX XXXX {$1300.00} I have no knowledge of this account I never lived in the state of New Jersey I want this removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
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:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

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 2022-08-04
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was scammed into sending {$900.00} from a fraudulent check that had cleared but later bounced on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
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 information incorrect

Complaint:
I have been working to restore my credit in order to qualify for a mortgage. Recently I paid off an old charge off and my credit score namely  my FICO2 w hich is used by lenders took a severe hit. I started the month of  XX/XX/XXXX  at a  XXXX . In an effort to increase my score I paid off an old charge in full. My score was then dropped by the   XXXX    agency to a  XXXX . The explanation offered by  XXXX  was because I had paid on an old account that it warranted my score dropping even though the account was charged off for 2+ years. This does n't make sense since I had also paid off prior charge offs in the months of   XX/XX/XXXX      and  XX/XX/XXXX  and my score increased. But it gets worse. It 's public knowledge that  XXXX  was going to remove Civil Judgements if they did not have a social security number associated with them. I had a civil judgement from   XX/XX/XXXX   ( which was satisfied in   XX/XX/XXXX  ) r emoved from my credit report on or about  XX/XX/XXXX .    My FICO2  score dropped another   XXXX    points to a  XXXX . I have attempted to reach out to the  XXXX  Agency for an explanation into their scoring methodology. They can not explain such a large drop in less than one months time. Nothing else on my credit report has changed. No new debt or derogatory items were reported. I find this whole process to be inequitable and inexplicable. Like many Americans I ran into financial difficulty during and after the financial crisis. I am only attempting to qualify for a mortgage like I had prior to the crisis. I never had a bankruptcy or foreclosure. Despite doing the right things and paying old debts my score continues to drop. How is this fair to the consumer?

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 2022-01-04
Company: EQUIFAX, INC.
State: CO
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:
On XX/XX/XXXX I tried contacting Equifax about rent recovery on my credit report. Along with US Department of education loans from 2011 that should be off of my credit report. No one will call you back no one will respond to any type of contacts. I have submitted paperwork stating that bills have been paid off. Due to XXXX actions of VPs once again this is why XXXX peoples credit is not correct. The cfpb needs to start looking into all the XXXX actions of credit report companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/ I XXXX XXXX XXXX spoke with XXXX XXXX from Capital One mortgage on a recorded line and was told the reason that I was denied a conventional loan was because of lack of installments such as a car payment or furniture payments. I was told by a XXXX XXXX  that He would look into this talk to his manager and try to get my loan manually looked at by an underwriter. I request a callback from XXXX XXXX and five hours later he called me back rudely told me " Im not lying to you this is how I get paid and XXXX you are NOT going to get the loan. '' Our call got disconnected he never called back. I an hour after being on hold talk to XXXX  who fowards my information to manager XXXX who procedes to tell me that I am indeed denied and because of my lack of credit lines open my use of credit on one of two credit cards was not enough to prove credit worthiness and that ratio of my use of these credit cards are too high of a percentage of credit debt and that this killed my chances of getting a loan. My compliant is that I was givin the run around for several hours told two different reasons of why I was turned down from loan and I was talked to very unprofessionally and I was never asked for provide proof of any of my information on my loan application. Apparently XXXX submitted my loan to underwriting but when he spoke to me the second time today he failed to mention this fact which led to me holding on the phone for 55minutes to speak about my application with XXXX. I am distraught that my chances of getting my home have been completely dashed and my time has been wasted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: ARS National Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This submission is NOT from a third party. I, XXXX XXXX XXXX XXXX the natural person, consumer, & agent is currently being suppressed by not being able to exercise my rights as a federally protected consumer. On XXXX I sent out a Debt Validation letter along with a cease & desist with requested information via certified mail to ARS for debt validation purposes. Im not asking for verification of an alleged debt, Im requesting information to validate the alleged debt. I gave them 30 days upon receipt to investigate information & they received it on XXXX. They have repeatedly harassed me with communication in the past without proper validation. All references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Can I get some assistance with this issue? Thanks. I will attach attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: ALLY FINANCIAL INC.
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I completed and returned the complaint form and they said they did n't receive it so I tried to call and could n't get a live administrator on the phone .My Name is XXXX XXXX and I can be reached at XXXX I would like to speak with someone about my participation complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: Paypal Holdings, Inc
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
on XXXX 2016, I use XXXX credit card under paypal to pay for transaction {$20.00}. Paypal charged me {$20.00} for that transaction also XXXX credit card charged {$20.00} for the same transaction. I call paypal to dispute and they refused to refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: First Advantage LNS Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On  XXXX / XXXX /17 I have tried to send a dispute letter to NCAC to the address which was on my credit profile which is   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX    TX. XXXX  for the amount of {$4300.00}. I have received the letter back stating undeliverable. They are reporting inaccurate and false information about me to the credit bureaus. I can send proof

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This is an incorrect charge on my credit report. Equipment was returned to  XXXX  on  XXXX / XXXX /2015 to a  XXXX  representative.
This item was previously removed from my credit report but was sold to another party and added back. The previous company reporting this item acknowledged   XXXX    error and removed the item. I would like this item removed and barred from being added by yet another party, as they seem to just sell the account to someone else after it is 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 2016-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have not authorized a series of inquiries that are showing up on my Credit report and am disputing them. All the listed companies that have requested a copy of my credit report on the letter attached do NOT HAVE my written authorization to view my Credit report.

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 2016-08-02
Company: BBVA FINANCIAL CORPORATION
State: NJ
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I transferred $ XXXX into a online bank called BBVA Compass, because they promised me a rate of 1.10 %, after three months they knocked down my interest rate to .4 %, which I feel like was a scam to get my money into their account. So I called to transfer my money out and close my account. They told me I can not wire that much out of my account at one shot, the most I can transfer out is $ XXXX at a time and they charge a fee each time. They said I can go to a branch to get a bank check but they have no branches in NJ. They had no problem accepting my $ XXXX in one shot but now have a problem with me transferring it out. This bank sounds like a scam and I am very scared, Please help!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-15
Company: NCC Business Services, Inc.
State: FL
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 not aware of this account that is on my report for an illegal eviction since the locks were changed before the eviction court proceedings took place and while the original notice was still in play.

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 2017-03-16
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I attempted to deposit cash approximately {$100.00} into the at the BBVA branch at XXXX XXXX XXXX, XXXX, TX, XXXX on XXXX XXXX. The machine took the cash and then showed a screen that stated " We can not process your request. '' It did not then return my money, and I have not been credited for the deposit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-27
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
VERY ABUSIVE caller, refuses to stop calling my phone, and the person they are looking for is NOT me. I have tried to ask, and asked for a manager, no response ... they are EXTREMELY abusive and threatening

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: EQUIFAX, INC.
State: PA
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: National Credit Systems,Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My son was a student at  XXXX   XXXX   XXXX .   I " co signed '' his  one year lease. " Guarantee '' One year later he took a new lease, new date, new dollar amount. I did NOT co sign and did not guarantee the seco nd lease.   Landlord is trying to hold me responsible. The landlord has hired National Collections of  XXXX   Ga. to collect on unpaid rent and damage to apartment.    The bill collector removed the staple from the first lease, removed the signature page with my signature from the first lease and attached it to the second lease in attempt to imply I co signed second lease. My evidence is clear from date on the " guarantee '' and from date of public notate signatory.   Please help me have this removed from the  XXXX  credit reporting files :   XXXX   XXXX   XXXX   XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: Unique Management 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 resulted from identity theft

Complaint:
This item is being reported to all XXXX Credit Bureaus and I never had any type of account with XXXX XXXX Library yet Unique National Collections continue to attempt to collect the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-10
Company: Frederick J. Hanna & Associates, P.C. (closed)
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Hi, My name is XXXX XXXX and I have a an issue with Frederick J. Hannah and Associates where they alleged intimate clients to sign a statement to pay them money on a debt that they do not have the right to do so. Also, presenting false affidavit to the court and saying that they are representing XXXX XXXX credit company to collect money from me. Last year the attorney presented this information to the courts in XXXX XXXX and seek a judgement against me. On XXXX XXXX, 2015, I received a letter from them that they have filed a garnishment on my wages with the XXXX XXXX XXXX XXXX and my employer. The Case Number for the Garnishment is XXXX. I need help quickly as to what shall I do to keep them from garnishing my wages. I have seen so much information on the internet where they was lawsuit filed on them by CFPB due to the Hanna firm relies on deception and faulty evidence to drag consumers to court and collect XXXX of dollars. Also, Intimidating consumers with deceptive court filings in collection suits that are signed by attorney when in fact the lawsuits are the result of automated processes and the work of non-attorney staff, without any meaningful involvement of attorneys. I need something in writing to take to the courts that this law firm is not suppose to be collecting money from consumers like myself due to they are in violation of certain codes. My email address is : XXXXXXXXXXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have called citibank to dispute some transactions that I did not authorize. They keep on transferring my calls and will not assist me in this matter. I AM NOT Paying for someone elses fraud.

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 2015-06-29
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received an email from LoanCare saying that I needed to log in to their website to update mortgage information. At the time I believed it to be a phishing attempt, as I my mortgage is currently held by XXXX XXXX, and I had never heard of LoanCare. After researching further I found they were a legitimate company and updated my insurance information online. They kicked it back saying it was incorrect, so I updated online again and then followed up with a call. I received a condescending letter today, telling me they had cancelled an insurance policy they purchased on my behalf and to make sure I kept them posted with my insurance information on an annual basis. I had never heard from my mortgage company in the first place, their subcontracted company ( who already had my insurance policy info as they were able to tell me there was an error ) requested that I update information on possibly the shadiest looking website I 've ever seen, and then purchased an insurance policy without notifying me either through email, letter, or phone call. The whole system reeks of a scam, from the intentionally sketchy webpage, to the lack of straightforward communication, to the fact that they already had my policy information ( as it did n't change ). It seems as though they are looking to take advantage of people not being proactive enough to do some research on who LoanCare actually is. Without too much speculation, I would imagine there would be some sort of financial motivation attached to them finding a policy " on my behalf ''. I would greatly appreciate if someone would look into their predatory practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation