BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-11
Company: BOK FINANCIAL CORP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a mortgage with a bank to purchase a single-wide manufactured home. The loan was pre-approved and because I was doing an FHA loan, the loan officer told me that I needed to pay for a retro-fit foundation and an engineering design and certification letter in order to comply with the FHA requirements for the loan. The seller agreed to split the cost of the retro-fit with me. The retro-fit was {$2500.00} and I paid {$1200.00} of that amount. I was required to pay for the Foundation Inspection and Engineer 's Compliance Report as well which cost me {$420.00}. After I paid for those XXXX items, the bank sent out an appraiser. Once the appraisal was turned in, the underwriter came back and told me that they could not approve the loan because they do n't do loans on single-wide manufactured homes. The loan officer knew this was a single-wide manufactured home from the beginning so this is something that they should have told me before I invested the money for the items they required. I paid for the appraisal in advance as well but I was able to get the bank to refund my money because it was their mistake. Because the loan officer did n't tell me that they could n't do loans on single-wide manufactured homes, I am now out the cost of the retro-fit and the Foundation Inspection and Engineer 's Compliance Report which was a total of {$1600.00}. The loan offer and bank refused to refund my money even though they admitted that they should have never allowed the loan to get that far in the process on a single-wide manufactured home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: AES/PHEAA
State: CA
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The XXXX XXXX shows derogatory information on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-22
Company: ALLY FINANCIAL INC.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Ally Auto has abused their privileges of collected on accounts. I am currently due for 1 payment and have received daily phone calls from them regarding this. I did speak with an associate and advise that the payment will be made within the 30 days. Nonetheless ; I continued to receive phone calls ; I spoke with someone again on XX/XX/XXXX and advised her that the payments will be made, not setting up a promise. Well, today I get a call from my Brother-in-Law ; whom is not listed on the application, stating Ally requested a callback. How can this happen? Why would they stoop so LOW? 
I 'm seriously taken back, how can they call someone not listed as a point of contact and it 's not even past 30 days. So I called and asked to speak with a manager ; the lady prior said, " it 's how we do things ''. Once the manager got on, I advised him of the matter and he only asked when will I be making the payment. I advised him that we have n't reach 30 days and I spoke with his employee. Did n't understand why they would call someone not listed on my loan. Is their need for an attorney?

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 2015-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Since XXXX/XXXX/XXXX when I started a Request ID # for a Release of Deed of Trust from Bank of America on the mortgage loan I paid off in full on XXXX/XXXX/XXXX. XXXX County in XXXX is waiting so a title can be released. I have tried to work through approx. XXXX contacts to get this done. 
I have been given wrong information and been refused contact with supervisors. I was told that this ca n't get done for 3 mo. to 1 year and they keep changing stories/info. 
I did what I was required in paying loan on time and closing loan. Why ca n't Bank of America get their act together and do what it takes to get me the title to my home. 
If I wanted to sell the house or had too, I would n't be able to do so in a timely matter and would miss out on a possible opportunity because of their delays. 
Bank of America told me back on XXXX/XXXX/XXXX that I would receive proper title and documentation in 1-3 mo. I received a cover letter and the original NOTE by XXXX XXXX XXXX both stamped PAID in Full and loan paid off. 
The reps that have worked on this keep saying that they need something from XXXX XXXX? They have had since XXXX/XXXX/XXXX to get this. This Company is out of business. 
This is what happened over the period of the loan:XX/XX/XXXX opened 30 yr. mortgage loan with XXXX XXXX XXXX. 
XXXX/XXXX/XXXX loan was transferred over to XXXX XXXX XXXX XXXX XXXX , XXXX loan was again transferred over to Countrywide Home Loans , XXXX XXXX XXXX XXXX to be effective XXXX/XXXX/XXXX. 
In XX/XX/XXXX per rep Bank of America said they took loan over from Countrywide because mortgage scandal/bankruptcy. ( Note : Bank of America has had since XXXX to get all documents in order on the account. ) Also note that this loan was not with any mortgage co. for more than a mo or two till Countrywide from XXXX/XXXX/XXXX to XX/XX/XXXX. 
My request is to have documentation ( Request of Deed of Trust ) to XXXX County by XXXX/XXXX/XXXX. I was told when the 1st request Id was created the date would be XXXX/XXXX/XXXX. Since there are response times on this report this gives over the 15 day period. 
I also feel there should some type of fine or reprimand just like if I missed a payment I would get a late payment charge and could even get foreclosed when I was paying the loan payments. 
Note : None of the below apply this loan is paid off!! 
Also every time I contacted this company and had conversation I was informed that the calls were being recorded. They have all dates and information from my calls. 
I also have account numbers and documentation on file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-20
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card
Issue: Rewards

Complaint:
I signed up for the American Express Platinum personal card XX/XX/XXXX. The offer was to spend {$3000.00} in 3 months and they would provide me XXXX membership rewards points. I met the terms of the offer and was provided the points XX/XX/2016. On XX/XX/2016, Amex removed the XXXX points from my account telling me I spent the money on reloadable cards. I did not spend the money on reloadable cards. I have various purchases at several retailers for different amounts. I find it unbelievable that they can take the points and tell me I did not meet the terms of the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: CURO Intermediate Holdings
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are XXXX inquiries on my account that were not authorized by me. 


Speedy cash/ curo XX/XX/22 XXXX  XXXX XXXX XX/XX/22 There is no phone number for this company. 

Im not sure about the loan amounts because its not shown on my report.

I have already disputed these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: SLM CORPORATION
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX has made repeated phone calls to several family members and XXXX friends. They already know my direct contact number. They have already spoken to me and my father, who has assured them we are trying our best to fix this. They started calling before I had even graduated. They are aware I do not currently have a job. They call my entire immediate family several times a day for weeks now. Then the started calling my XXXX contacts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: ASSOCIATED BANC-CORP
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I went into a company to purchase a car with a check in my hand from my credit union I dont know why the other company are on my report. I made Several attempt to have them removed off my credit report they told me I had to write a letter and then write to the credit bureau to have it remove why I have to write to credit bureaus when they did this without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-20
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card
Issue: Rewards

Complaint:
This complaint is regarding the poor reward system for American Express and the terrible structure/policy that their company goes by. As a credit card consumer who have had at least XXXX credit cards from various different companies, American Express has been hands down the worst company I have ever dealt with. Even though you have met your spending requirement, they require you to pay off the balance and then wait for the next month 's closing date. Your points remain in pending status well over XXXX days during this process, even when you have fulfilled their requirement in paying off the balance and waiting for the next closing date, points are still unavailable. I have never had any credit cards where it takes 60+ days just to receive your points or miles even though you have fulfilled all the requirements. American Express is literally the WORST credit card company ever and I have nothing but bad things to rave about them. I will never recommend them to friends and family and will sure discontinue the relationship once one full year is near. Until they fix their reward system policies, I will never use them as a credit card company ever again. The inconvenience and lack of flexability in their reward system will never earn the business of experienced credit card consumers such as myself again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: ALLY FINANCIAL INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I went into a company to purchase a car with a check in my hand from my credit union I dont know why the other company are on my report. I made Several attempt to have them removed off my credit report they told me I had to write a letter and then write to the credit bureau to have it remove why I have to write to credit bureaus when they did this without my 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 2016-05-31
Company: Movement Mortgage LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I applied for credit and was declined but never received a letter of declination. I did complete and online application and waited more than 20 days for a credit decision to be made when they state much faster review times on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card
Issue: Other fee

Complaint:
Signed up for a guitar center card in XXXX XXXX. I was told I can return the product within 6 months if not satisfied, I did go back in XXXX and was told that guitar center would 'buy ' back my guitar for less than half of what was charged to my card. 
Initially XXXX XXXX managed this account, then was turned over to Syncrony Bank in XXXX or XXXX XXXX. Getting in touch with management is impossible and these people are unforgiving with high penalty fees, for people who can not afford them. I was told my account would be under a promotional period until XXXX of XXXX, and try to extend it so I can pay the principal balance on the XXXX of XXXX, but they refuse, it 's a difference of almost {$300.00}. Please help. On hold over 1 hour waiting to speak with a supervisor, still not results. Original cost of item was {$900.00}, I have paid {$610.00} since I received the card in XXXX XXXX. My balance is currently {$850.00}. 18 months later my balance is nearly the same.

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 2016-11-22
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Other fee

Complaint:
American Express has charged me an annual fee for a XXXX. I had notified the company that I do not want the card if there is going to be an annual fee. American Express charged after assuring me of no Annual fee and without any notice. I did not notice the charges right away because my account is on Auto Pay and American Express never notified me in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: Harris & Harris, Ltd.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
CALLED ME ON CELL 7 TIMES, MY SISTER 2 TIMES AND MY MOTHER 11 TIMES. 

WENT ON CREDIT REPORTS. WITHOUT APPROVAL HARASSMENT AT ITS BEST AND ILLEGAL!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
Morning my name is XXXX XXXX I original mortgage was with Aurora. due to financial hard ship and loss of income I fell behind on my monthly payments. I contacted Aurora and explained my situation. They nstucted me to send XXXX to modify my mortgage for an affordable payment. They never did my home was sold on XXXX XXXX I have XXXX children and a XXXX mother. I received a letter from the newsletter mortgage lender. Nation star advising me to attend a workshop on XXXX XXXX which I did. I am XXXX of the victims from Aurora.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Back in XXXX XXXX XXXX XXXX XXXX XXXX reported that I had filled XXXX XXXX bankruptcy in error to TransUnion credit bureau. After been aware I reach out to TransUnion to submit a dispute as well reach out to comenity back to heave them fix the error they had caused. 30 days after the investigation from TransUnion nothing was resolved, my credit stayed the same with conclusion from them saying the info on my repost was correct. After getting the investigation results from TransUnion I reach out to XXXX XXXX, they kept giving me the run around saying they had already updated the Info TransUnion. I kept disputing the errors with TransUnion over 4 times, till finally in XXXX of XXXX I was able to get a letter from XXXX XXXX explaining the the error and sent it over to TransUnion. The remarks had been removed from my credit and the chapter XXXX bankruptcy was gone. After only a few months the remarks came back showing the bankruptcy again, and again I file a new claim with the letter that was sent to me from XXXX XXXX, results came back with no resolution. At this point I have exhausted everything I feel I can do. This has cause me so many problems when it comes to buying a home, my credit is showing inaccurate information.

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 2016-12-09
Company: Ocwen Financial Corporation
State: MS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
i was under the belief i was working on remod with ocwen - in fact the day before in mail i had gotten i request for more documents- and they kept telling me foreclosure date was not set it was still open- because of remod- and i believed them and they lied and foreclosed on house and took.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21
Company: Ceannate
State: WA
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been trying in earnest for over a year to set up a repayment plan I can afford for my student loan. I was finally put in touch with FMS to set up what they call a loan rehab agreement. FMS requires extensive documentation to make these arrangements ; I understand this need, and I do not have a problem with that requirement. However, I have now supplied every document they have asked for four times over a two month period. I have supplied the correct documents with the correct data ; they have acknowledged that I am eligible for the program ; I have begin making payments to them over two months ago, but they continue to contact me requesting the same documents over and over. And although I have been and continue to make payments to them, they continue to call and email me asking for the same documentation and telling me I am still not " officially '' rehabbing my loan even thought they are collecting payments every month. Today I sent them yet again every document they have asked for. I wonder if they are losing my documentation which contains highly sensitive personal information, and I wonder if they just continue to stretch this out to increase their fees. 
Why would the Federal Government enlist such an incompetent or unscrupulous company to act on their behalf?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
XXXX was filed by XXXX XXXX XXXX, XX/XX/2016 that should have discharged the private loans. There were student loans in the amount of {$150000.00} that should have been discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
After being approved for. CapitalOne XXXX XXXX XXXX, I was assured back on the application method I would be able to obtain a virtual/digital card for immediate use. I would not have gone to the store if I was unaware that the virtual card would fail to work as promised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22
Company: Winklevoss Exchange LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I froze my account on XX/XX/XXXX, from Gemini Trust Company because someone was calling me at 2 in the morning pretending to be a customer account specialist at Gemini. I froze it thinking that I could unfreeze it the next day. I found out that Gemini is the only one who can unfreeze my account. I started calling and sending email almost everyday. Since XX/XX/XXXX up to today, XX/XX/XXXX, I only got one reply. The company does not have a live help support. I lost a lot of chances to collect gains. I can not make a trade. My account is still frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i paid my monthly bill but navy federal reported my account as late its a pandemic i dont know why they will do that its in violation of the Covid -19m forbearance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Im XXXX Kohls charge did not have a full mobile website and lacked many features that allowed customers to make payments in time ( ie scheduling a payment, reoccurring payments ). They also did not have timely notifications in place, and did not email you until after grace period was passed and you incurred a fee. I contacted Kohls during this time as they waived most late fees as a result, but they refused to correct a late payment reported to the credit bureaus, despite acknowledging the kohlss driven issues and reversing late fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-21
Company: AMA Advisors, LLC.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
We applied for a VA mortgage loan with Homebridge Financial Services. We were assured numerous times by our representative with Homebridge that we would be able to do a loan modification on our VA loan after closing since we would be making a substantial payment soon after closing. However, we are now being told that such loan modifications are not available on VA loans. We have a larger payment that we expected to have because of this mis-information and we will have to pay thousands of dollars to refinance the loan to reduce that payments as planned.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief