BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On the evening of XXXX XXXX, 2017 my account went into a negative {$880000.00} because of a hold of {$880000.00}. I was not able to access my account and both of my cards have been deemed invalid. When calling customer service they could not help me. I called risk management and they could not give me any information other than Bank of America has decided to close the accounts. Both my personal and business account. This hold was from the bank itself not someone stealing my identity.

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 2017-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
As in the past I receive credit card applications several times a week from Capital One. I have filed complaints with CFPB case #   XXXX    back in 2014 for the same issue and received a letter from   XXXX   XXXX   from Capital One case #  XXXX  stating I would be removed from their mailing and not receive any credit card application 's. However this is not the case and once again I am being mail credit card application forms. I have called  XXXX  the number provided by   XXXX   XXXX   to stop these mailings otherwise I will pursue another complaint, yet Capital one continues with these applications.
I will not allow Capital One to put me in jeopardy of credit card fraud or identity theft.
I want these credit card and all advertising from Capital One stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Experian Information Solutions Inc.
State: TX
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 contacted Experian in regards to credit cards that were open in a result of identity theft and a collection for a apartment that was open in my name without my knowledge or consent. I have sent police reports and utility bill of where I lived at the time that my identity was used. With me providing police reports and utility statement indicating fraud Experian still was not able to prove the collection agency could verify this debt. If they insist they have I request the method of verification. For the account XXXX XXXX, XXXX XXXX XXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-19
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
XX/XX/XXXX   : purchased virtual currency.   XX/XX/XXXX  : s old the purchased currency for a profit.
   XX/XX/XXXX    : The company, Coinbase, locked my account so i could not access my money, or perform further transactions.
  XX/XX/XXXX -T oday : almost daily emails,  XXXX , messages, service requests to either unlock my account, or return the cash to my bank.
Today : account still locked.
They have basically taken my money and kept it to themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home mortgage account was with XXXX Bank and it was sold to LoanCare XXXX. I recieved a notice from XXXX bank about a month and a half ago informing me of this. I have not received any correspondence at all from LoanCare XXXX. I am concerned after reading reviews about this new company that this is their common practice to trap people into paying unnecessary fees.

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 2015-06-04
Company: Insight Capital LLC (NV)
State: WV
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
On XX/XX/XXXX I was contacted by XXXX XXXX XXXX stating that I owed a payday loan from XXXX ( they said XXXX had bought out several other payday loan companies and were just now collecting the debt ) from XX/XX/XXXX. They stated that unless I paid that day they would charge me with fraud and I would be served with a summons either at home or at work to go to court. They had all my personal information including my social security number. In my profession it would hurt my job if they were to come to my place of work .They caught me off guard and scared me to death. My husband and I paid the {$1000.00} dollars. At this time XXXX XXXX sent me a document through e-mail that I had paid the loan off in full. This is a document that I could have typed up myself. There is nothing that suggests that this is an official document from a legitimate company. I have received no documentation from them concerning this debt. Then I went to my bank and talked with them. They advised me that it was probably a scam and I had fraud protection on my account. I canceled my debit card and reported it to the fraud department at my bank. They are investigating it now. Yesterday XX/XX/XXXX, I received another call from XXXX XXXX XXXX because my bank canceled the {$1000.00}. They said I had to pay then or I would be served with a summons at my home or job. They also said by then I would have to pay for legal representation, court costs and interest on the loan so it would be better to pay now. I have asked over and over for documentation that I owe this money. I also asked for a copy of the original contract from the original company. I have yet to receive any documentation or an address and phone for XXXX. I have tried to find a number on the internet for this company but the numbers I do find are not working. I also XXXX the address for XXXX XXXX XXXX and it is an address for a shipping company. I did take out some payday loans years ago ( stupidly ) because we were in a financial crisis, but I know I paid them all back. I have told them I would gladly pay if they could show me some documentation, but XXXX XXXX just said they would send the information on to XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I bought my home through an FHA loan in XX/XX/XXXX and we heard all of the good things about refinancing and finally did it in XX/XX/XXXX. Our loan was held by XXXX and we refinanced through them, as well with another FHA loan. In XX/XX/XXXX our paperwork was finalized to refinance our home. However, we were not aware and not told that FHA regulations had changed and that Private Mortgage Insurance would now be part of the loan for the entirety of the loan. The payment quote that the XXXX representative originally told me over the phone was considerably lower than the final one I began to see in the paperwork. When I asked about this discrepency he said FHA rules had changed and the insurance cost had gone up. He did not explain that we would have PMI for the life of the loan. We are now locked into a loan with PMI and our monthly payment has now surpassed our original monthly payments as we deal with increasing property taxes, as well. I hold XXXX responsible for not thoroughly explaining this - as they would be benefiting from the extra Mortgage insurance they would receive from us. Looking back I can see the terms are in writing in the contract, but we did not receive full explanation and only had a notary present at the signing the closing documents. XXXX did not do their due dilligence to make sure we understood we would have PMI or MIP ( whichever you call it ) for the life of the loan. I am not sure we had even seen it in paperwork before the day of signing. It was also not disclosed to us than a small down payment would have removed MIP from this loan. In the paperwork the Present Market value in XX/XX/XXXX was recorded as {$100000.00} and the amount of our mortgage was recorded as {$93000.00}. This is an LTV of 90.4 %. This to me means we should not have MIP on this loan. 
I also hold HUD responsible as I see this as another burden they have placed on homeowners. There is no reason homeowners who have never missed a payment should be stuck with this extra fee for the life of a loan! This is just extra money into the pocket of the lender on top of the interest they already receive! We now own more than 20 % equity in our home and have never missed a payment, yet we are strapped with the added burden of this mortgage insurance. I can not believe we had the horrible luck of refinancing one month after the rules regarding PMI had changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Carrington Mortgage Services took over servicing my mortgage, I paid extra every month and for the 1st several months ( 3ish ) they applied the extra to the principal of the loan, then in XX/XX/2017 they recalculated everything and used the extra money to apply to future payments they sent my statement claiming I was late on my payment and over due by {$45.00}! I called them and in XXXX I got them to revers this and reapply the extra money back to the principal of the ( VA ) Loan. I asked for a pay off statement and had XXXX send Carrington a " Bill pay check '' for the full amount. They applied it as a normal payment so I called. 3 different Carrington employees went through the issues with me and said they would " take care of this issue an I should consider my mortgage paid in full '' and that the Escrow balance would be returned to me. XX/XX/2017 I received a call from XXXX on my answering system. I called Carrington and XXXX could not be found, I was informed that I would need to make yet another payment because they did not consider the XXXX bill pay check " Certified '' I spoke to a supervisor and informed him that 3 of their employees had said that my mortgage should be considered paid in full, he said he could not follow through with that and I could send a letter asking them to use my Escrow balance to pay the loan. I asked for a new pay off to be sent and he 1st said I would have to send a letter to request this. They currently say my payment is over {$500.00} but the last bill they sent me shows the principal to be {$250.00} ( XX/XX/2017 ) and the escrow to be {$340.00} and Total Amount Due {$640.00}. The math adds up to theft! 
I 'm waiting for a new pay off statement so they can rip me off again! The lender has huge numbers of complains DO SOMETHING!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: ROC Asset Solutions, LLC
State: NH
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
XXXX XXXX from API called my client, XXXX XXXX, at his place of employment pretending to be an attorney 's office. " XXXX XXXX '' threatened to have my client arrested if he did not immediately pay a payday loan (?? ) which we refused to identify or validate. " XXXX XXXX '' told my client he was " in violation of Federal law. '' Terrified, my client gave " XXXX XXXX '' his debit card information. My client has contacted the bank and may be able to save his money ; however, " XXXX XXXX '' from API has continued his rude, aggressive and illegal collection. " XXXX XXXX '' did have identifying information for my client, which gave some legitimacy to his claims, terrifying my client even further. This XXXX debt collector needs to be shut down before they can scam more money from unsophisticated consumers.

Company response to consumer: Untimely response
Consumer complaint received 2017-02-23
Company: Greater Collection Agency Bureau, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I allegedly owe for a " hot check '' from 2012 from a PayDay Loan and Greater Collections Agency Bureau calls from XXXX and keeps threatening to send out a process server. When I call them they rarely identify themselves and hang up on me when I ask questions about my rights. They do n't mini-miranda, when I asked if they were a collections agency they said they were acting as a mediator. I asked what that means and did not get a specific response. I believe this company, if they are even legitimate, are attempting to bully me into paying something I 'm not aware that I owe. They said they 'd send a debt validation letter, and when I asked what we can settle on they said they 'd call me back. They did n't call me back after 30+ minutes so I called back and they conveniently had an amount for me to pay. I still have no idea if these people are legitimate or not.

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 2015-09-14
Company: BB&T CORPORATION
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
This message is a follow up to complaint # XXXX with the intent of modifying the " desired resolution ''. To recap the issue, my wife and I applied for a construction loan with BB & T bank in North Carolina. We spoke with the mortgage loan officer on XX/XX/2015, clarified our need for a construction loan for XXXX the cost of construction. We submitted all documents on XX/XX/XXXX requested from BB & T in their letter of XX/XX/2015. We were told by our loan officer that the loan would be processed in one week. I stated clearly that if there was any chance that the loan would not be approved, I did not want to go through with the appraisal at a cost of {$430.00}. I was assured that if the appraisal was ordered, our loan would be approved. 

There was not one representation made by BB & T that held true. They lied about the appraisal, they lied about the passive income limits from our retirement accounts, they lied about the loan to value ratio requirements, they lied about not having received documentation from us, and they lied about closing dates. 

We continued to be strung along by this group of unprofessionals for XXXX months with excuses about the underwriters and the loan processors " not communicating ''. We then reached our planned spending limit of XXXX the construction cost from our savings with new promises of closing on XXXX XXXX, 2015. XXXX days after being told the closing needed rescheduling, we were told that due to time limits on documentation, we would need to resubmit financial statements. This tactic occurred XXXX times. 

My wife and I finally decided to drop our efforts to close the loan one day after filing our previous complaint to this agency. That day, I spoke with XXXX XXXX, XXXX Manager, and had the same false assurances repeated that had been made by XXXX of her XXXX underlings. Once again we were told that financial documents previously submitted to the bank, would need to be submitted. At this point I realized that our efforts were in vain. 

I have been in and around the construction industry for XXXX years and have worked with at least XXXX other financial institutions with construction loans for projects/homes I have constructed ( all successfully ) and I have never seen anything like the incompetence and outright misrepresentation of the truth as exhibited by the entire chain of command at BB & T. 

I strongly urge anyone considering a construction loan to look elsewhere.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I checked my credit score at XXXX and it seems I have a XXXX $ charge in 2015 to XXXX XXXX. Ive never used that service or company. Now my score is XXXX. Also there seems to be XXXX addresses listed in my report that I have never resided at.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: DISCOVER BANK
State: PA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Discover credit card offers price protection to promote its use. I 've been using this benefit in the past without any problems. Lately one of my claims was denied because they used different Criteria to determine the eligibility. My previous claim XXXX was approved on XX/XX/2015 for XXXX puchased from XXXX and paid back for the price difference. My newer claim XXXX was denied, however it was the same puchase in nature for XXXX. The price protection is against the same store to pay back the price difference. There was no notification about any new policy or change of term of the price protection. It is not fair for consumers to continue using the credit card under the false assumption that the benefit is still available. I contacted the discover price protection XXXX when I first received denial letter around XX/XX/XXXX. I then wrote a letter to them, but was denied again XX/XX/XXXX. I hope Discover could honor my request for {$190.00} price protection difference. I also wish Discover could send out letters to other consumers about their change of policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: AES/PHEAA
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My federal student loans have been serviced by XXXX and I have never missed or been late with my monthly payments, which are due on the XXXX of each month. At the beginning of XX/XX/XXXX, I made my regularly scheduled monthly payment to XXXX. At around the same time, my account was transferred to Fedloan Servicing. Near the end of XXXX, Fedloan Servicing notified me that my XX/XX/XXXX payment was late. I notified Fedloan Servicing that my XX/XX/XXXX payment had been paid to XXXX immediately prior to when I got notice that my account was transferred. Fedloan Servicing soon confirmed that it had received the payment and would credit it to my account within 10 days. After 10 days, Fedloan had not credited the XXXX payment and my account was still showing past due. Fedloan again confirmed that, yes, it received the XXXX payment from XXXX but it takes time to credit it to my account. Fedloan instructed me to make my XX/XX/XXXX payment as usual and as soon as the XXXX payment was credited to my account, it would reflect that I was up to date on payments. I have continued to make all monthly payments on time and in full. However, I receive late and past-due notices, stemming from the XXXX payment that Fedloan received from XXXX but has failed to apply to my account. Fedloan Servicing told me to ignore the late and past-due notices I receive as it will all be straightened out when it finally credits the XXXX payment. As of this date, Fedloan Servicing has not credited my account with the XXXX payment it received from XXXX when my account was transferred. It is unacceptable that it has taken 4 months for this to happen and that I am receiving late and past-due notices. Of course, I request that no negative information be reported to the credit reporting agencies and that no additional interests or fees are added to my account because of Fedloan 's failure to properly service my account and my XXXX payment from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-03
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen miscalculated my property taxes and as a result, my monthly escrow amount is {$1700.00} instead of {$700.00}. About a year ago, my property taxes got paid twice by Ocwen. My county refunded Ocwen the overpayment amount. Ocwen then calculated my taxes based off the double payment showing I was short, even though I was n't and Ocwen received a check for the overpayment. It is very frustrating because Ocwens XXXX call service center recognizes the error and every time I call to have my escrow recalculated to my correct tax bill, I am told it takes up to ten days and " I will put in a request ". Nothing happens. For a company so large to be so incompetent is beyond me. Unfortunately, Ocwen can see the error, but they wont respond. After reviewing the negative press surrounding Ocwen, I would think they would resolve customer complaints. Also, this is so simple and they ca n't fix it. Take my annual taxes divide by 12 months and you are done ... simple.

Company response to consumer: Closed
Consumer complaint received 2016-02-25
Company: High Point Asset Inc
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
An entity with phone number XXXX keeps calling my cell number XXXX. They call for " XXXX XXXX '' ( sp? ). 
I do not know any " XXXX XXXX '' and I have told that to the caller many times. I ask them to stop calling. They say they will stop calling, but keep doing so. I have had this cell number for many years. 
I wish them to stop calling.

Company response to consumer: Untimely response
Consumer complaint received 2020-10-06
Company: EQUIFAX, 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:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS AND TO FILL OUT FRAUDULENT APPLICATIONS ( INQUIRES ) IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX XXXX. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation