BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XXXX of this year, when applying for a new home, I found out that TD Bank modified a current loan that I have with them, without my knowledge or consent. 
This loan is a mortgage that I entered into with my now ex wife. I am the borrower and my ex wife is the co- borrower. 
My ex wife was awarded our marital home during our divorce in XXXX however, a refi was never done and I remain on the loan. Under our divorce decree, she is to sell the home once our youngest child reaches 18 years of age. After the sell, I am suppose to be awarded {$22000.00} for my share of the homes equity. 
In XXXX of XXXX my ex wife applied for a loan modification with TD Bank. TD Bank ran my credit and approved this loan modification without ever contacting me or receiving my consent. When I found out about the modification I contacted TD Bank but was only passed along from person to person without any answers. After several attempts to reach someone in management I finally spoke with a young lady who tried to resolve the issue by asking me to sign a quick claim deed so that I could be removed from the loan but she explained that if I signed the quick claim deed that I would no longer be able to receive the settlement amount of XXXX that is stated in my divorce decree. I did not sign the quick claim deed. They have committed fraud. I should not lose out on what has been awarded to me because of their malpractice. I want to be removed from this loan immediately so that i can move forward with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Credit card
Issue: Payoff process

Complaint:
i have had a Target Red credit card since XX/XX/XXXX. They refused to take my payment on XX/XX/XXXX at XXXX when payment was due by XX/XX/XXXX. I called the moment I remembered and as always intended to pay in full. I always pay any amounts due in full. citing they have made a late payment exception for twice in 12 months, they could not take this payment and remove late fees of {$25.00}, interest and the negative reporting to the credit bureaus. This is stupid. THREE times on XX/XX/XXXX and XX/XX/XXXX I asked for a supervisor and was refused. I was placed on long holds and told a supervisor would call me back within 24-48 hours. You 're telling me that inside of this MASSIVE organization, there is not one supervisor available to talk to me? XXXX I want the late reporting, fees and interest removed. I only have a {$200.00} credit limit with them anyway. It 's not like this is a big limit card. the amount due on XX/XX/XXXX was {$90.00}. XX/XX/XXXX phone calls only infuriated me further. One tried to strong arm me into paying over the phone and not even listen to what i had to say. What sort of shim/sham operation is this anyway?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was never late in paying my Capital one Auto Finance. The account was on autopay set up through Capital one and that had been the mode of payment since establishing the account. I paid the account off in 2013. I do n't know how they can justify destroying my credit by stating that I was 30 days late, four times for account number XXXX and that my account was closed by grantor. My credit score has dropped at least XXXX points because of this false reporting to all XXXX credit bureaus!! When I call and wrote ( certified mail, twice ) Capital one they refused to take this enormous mark off my credit. That account has a zero balance, it was paid off in 2013 and was closed because the loan was paid off. This behavior is not in good faith and I dispute the last report to the credit bureau. Please investigate and remove the late payment off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: PRESTIGE FINANCIAL SERVICES INC
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I made arrangements for my vehicle payment to be deducted from my bank account XX/XX/XXXX. I noticed when I checked my bank account that the item was returned. I then went online and made the payment XX/XX/XXXX using my bank card. The message I received online from Prestige Financial advised that the payment would post to my account XX/XX/XXXX. I received a text message XX/XX/XXXX from Prestige advising that my account was 31 days late and that I needed to make a payment. I contacted Prestige and advised that I had already made the payment. They advised that it was not posted until today XX/XX/XXXX so I was being reported for being 31 days late to the credit bureaus. I advised that this was not fair as the message I received when I made the online payment advised that it would be posted XX/XX/XXXX at which time I was only 28 days late. The person also advised that I made the payment on Saturday and that there was no one there to post the payment. I advised that this was not my problem, but now thinking back the payment was made on Friday XXXX and my receipt advises that the payment will be posted XX/XX/XXXX. I should not have to dispute something with the credit bureaus and is incorrectly reported to start with. I have had a problem with this prior as I have been reported 30 days late two times XX/XX/XXXX. I 've requested to have this information in writing on several occasions but have been advised that this could not be done. I finally did get an email advising of two months that had been reported. After reviewing my credit report they are not reporting the same months consistently with the bureaus. I feel that those months should not be reported as well as those payments were made but was posted to their account a day or two afterwards. I have disputed this information with the bureaus and have not successfully got this resolved. I feel that the two late XX/XX/XXXX needs to be removed from the credit bureaus as well. The FCRA requires that information is reported and reported accurately and must be resolved in a timely manner. I have been disputing those for over 8 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Movement Mortgage LLC
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
We have a HomeStyle Renovation Loan with Movement Mortgage. This product enables us to bundle home acquisition plus money to renovate the home with. As renovation work is completed, our General Contractor submits requests for payment, which are reviewed by the lender for completion, then money is dispersed to the GC. 

The nature of this payment schedule is already difficult for most contractors, as it means they need to use a line of credit to get work done by their sub-contractors, before finally being reimbursed by our lender ( Movement ). As expected, there is a service-level agreement that once a draw has been requested, the lender act within a reasonable amount of time to get the parties reimbursed. 

On XX/XX/2022 ( 37 days ago as of this complaint ), our General Contractor requested a draw for ~ {$62000.00} for work related to Electrical, Insulation, Drywall, and Flatwork ( Concrete ). This represents the work of 4 different sub-contractors plus the efforts of the General Contractor themselves. 

Since the draw was requested, we've yet to be reimbursed. We have continually been promised action from our Renovation Draw Specialist, XXXX XXXX, to no effect. 

The Draw Specialist also does not seem to understand how to manage our level of renovation project. It is very clear on the draw request what work needed to be reviewed ( Electrical, Insulation, Concrete, Drywall ) -- yet the Renovation Specialist from Movement wanted the Appraisers to check for the presence of working utilities ( Water, Electrical, Gas ) in order to complete the assessment. XXXX XXXX XXXX will not connect a Gas line to the home until major gas appliances are installed ( furnace, hot water heater, range ) which is a one of the very last steps ( if not the last ) when completing a build. An assessment for utilities is not congruent with the Draw Request, nor would we pass it at this juncture. 

We've requested updates, or an understanding when things will be done, and continually are told that we will be contacted by the appraisal company for scheduling, which never happens. 

Our last email, sent two days ago to our Renovation Draw specialist at Movement Mortgage, went unanswered. 

In the state of Pennsylvania, a contractor may file a Lien against the property for non-payment, and in no specific terms we've been told by our GC that we're up against it for this action. 

Our General Contractor also can no longer use their sub-contractors for work outside of our project because of non-payment on ours, and their lines of credit accrue interest from our project. 

This issue with the lender is causing us personal hardship. We now have a challenging relationship with our General Contractor, our renovation project is held up every day that we aren't able to pay our workers, we pay for a longer period of Builder 's Risk insurance, we are facing the risk of our home having a lien placed against it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid but never reported as paid or close to credit bureau or public records. When contact them about a release letter they said it will take from 30 to 45 days, called them back after 45 days and they gave me the same answer, eight months later still no letter. The company claims the attorney who handled the case should release the letter but when I contacted the attorney they said they are the company reporting to credit bureau therefore they should release the letter not them???

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My complaint is against Wells Fargo Bank, with which I have had a checking account since it took over Wachovia 's banking operations. On XXXX/XXXX/XXXX, I made a deposit of a {$690.00} check from my Roth IRA account with the XXXX XXXX XXXX XXXX ( XXXX ), and I have deposited my Roth IRA checks into my account on numerous occasions and the funds have always been available as these checks have always cleared. My checking account was overdrawn at the time, and I deposited this check as soon as I received it. The bank placed a hold on {$490.00} of this deposit, leaving my account still overdrawn by approximately {$50.00}. I was advised that the hold was place because I had repeated overdrafts in the last six months. The reason for such overdrafts is that in XXXX, I signed up online at the Wells Fargo website for what I thought was overdraft protection, and since then Wells Fargo has paid any checks or debit card transactions that I have made without having sufficient funds in my account for a {$35.00} fee for each such transaction, which I thought was part of the overdraft protection arrangement. When this hold was placed on my account on XXXX/XXXX/XXXX, I questioned Wells Fargo about my overdraft protection and I was advised that I had instead signed up online for " overdraft services '', which unbeknownst to me differs from overdraft protection and which was not explained at the Wells Fargo website. Wells Fargo 's marketing of its overdraft protection at its website was confusing in this regard. Had I known that at the time, I would have proceeded differently and made sure to enroll in the actual overdraft protection ( which I have now done by telephone ). And when I questioned the bank further about this hold and advised the bank that I have several pre-scheduled and authorized payments ( debits ) which will come out of my account during the period of the hold, I have received different answers : ( 1 ) one advising me that I must go to a Wells Fargo Bank branch in order to get the hold removed, and ( 2 ) and another advising me that the hold could not be removed at all. In the meantime, such pre-scheduled payments have started to reach my account and I am being assessed an overdraft fee of {$35.00} for each such transaction. I view this as an excuse on the bank 's part to continue to collect the overdraft fee of {$35.00} while the {$490.00} remains in hold status, which I view as predatory. The XXXX check that I deposited is not a personal check, it is from a nationally recognized organization. Also, I work for a municipality and my paycheck will be direct deposited into my account on XXXX/XXXX/XXXX and I am afraid a hold will be placed on that deposit as well. I would appreciate any assistance you can provide to me in getting the hold removed if possible.

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 2015-11-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Convenience checks

Complaint:
On XX/XX/XXXX Chase credit card company mailed me a check that i can deposit to my bank with 12 or 18 month, until yesterday, i login in to my account and realize that chase credit card company charged me {$20.00} balance transfer interest. Every month, chase notify me by email when monthly payment due day and also notify me due day before 5 days and i do n't know why chase did not notify me when the balance transfer interest will start on XX/XX/XXXX. I called them up last night and i was told by them that there has a message on the last page of the statement ( total XXXX pages on the statement ), there total XXXX pages at statement and it 's small words on the last page that told the balance transfer will expired on XX/XX/XXXX. If they can notify me through email that my monthly will due in 5 days and why should n't they notify me by e-mail that my balance transfer interest will expire on XX/XX/XXXX. This is very tricky and chase credit card has to stop doing this. I have no problem to pay this {$20.00} interest but they have to stop doing this way as it 's affect so many people. if they notify me earlier and i can pay off that amount before interest expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16
Company: COAST PROFESSIONAL INC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
My complaint is against Coast Professional , Inc. whom is handling a collection on behalf of XXXX University whom I owe a student loan balance with. I originally contacted them on XXXX/XXXX/16 in the late afternoon and left a message at XXXX with no call back. My second call to them was on XXXX/XXXX/16 at XXXX and I spoke with a XXXX XXXX and I told him that I could afford to pay {$60.00} dollars a month starting on the XXXX of each month. Unfortunately there was a problem with my debit card, so on the XXXX of XXXX the payment was rejected by my bank and it was about a few days after that I my bank had notified me that they had n't process that automatic debit, so on XXXX I called and spoke with a XXXX at XXXX and told him that I would n't be able to do the automatic payment and to cancel it and instead I would be mailing my payments to them. I have made payments on XXXX/XXXX/16 credit card payment, XXXX/XXXX/16, XXXX/XXXX/16 and mailed another {$60.00} payment on XXXX/XXXX/16. Yet on XXXX/XXXX/16 they reported me to XXXX and I 'm wondering why they have done this since I have been paying the agreed upon amount and they have willing accepted my payments. I want that collection taken off my credit report. Also, I have never ever received a call from them nor have they bothered to send me any type of bill within the last two months as to what my current balance is at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX has called me several times and left a claim number. They are now calling and harrassing my family and ex husband. When I tried to call the number back it goes straight to a fast busy. I tried calling them back again and after many rings, a man named XXXX answered. He claimed I owed money for a payday loan back in 2012. It was for {$400.00} and they are the arbitration company and that I am being sued by XXXX XXXX XXXX. I have never taken a pay day loan from this company and check my credit report and there are no collections. I want these people to stop harrassing me and my family. They threatened to have me served with at my work or my residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: Renton Collections Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I received a call on Friday from Renton Collections saying this was their XXXX attempt to collect a debt. I had not received any notices so asked that they send me the information as I was not willing to pay something without doing my due diligence to make sure it was handled appropriately. The supposed manager got extremely rude, was telling me to just pay the debt and was completely hostile. Keep in mind I had just paid a {$1200.00} bill that was removed from their queue because it had been wrongly sent through our insurance. I wanted to insure this was billed properly since I had n't received notice, not to avoid payment and she continued with the verbal abuse. When I asked to speak to her manager she informed me she was the manager and the only other person above her was the owner and they would n't send me to them. I have no issue paying a bill I owe, but wont just send someone money without any sort of paper trail. Extremely unprofessional and after reading all the similar complaints online, I ca n't believe they are allowed to be in business. Verbal abuse is not ok.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My bank account was closed when I went away for 2 months and did n't normally have access to my information. Yes, that was an oversight on my part. The problem was that when I made a XXXX transaction it came out of my bank account instead of my credit card- I have the default as The bank closed my account and sent me a letter for a chargeback. 
I paid the chargeback on XX/XX/XXXX. And told TD Bank that I need them to inform XXXX that it is paid off so I can open an account. 
I also started a dispute with XXXX to have them verify with TD Bank that the account is paid off. 
My thinking was that someone will do their job at some point and it should be cleared out pretty quickly. Right?? WRONG!! 
XXXX does n't confirm with any particular person that the account is paid off. They just send a general request out to a general dept in collections. 
Whoever checks that request does n't bother to review any notes or actually check any account. 
On XX/XX/XXXX TD bank confirmed to XXXX as a response to the inquiry that the balance is still not paid!! This is a full 20 days after the payment was complete!! This is with me including an attachment from TD Bank as a receipt that the account is paid in full that had a confirmation number. 
I just called TD Bank and spoke to a supervisor in the collections dept. a XXXX. He just gave me the general line it takes 30-45 days to update ... we will expedite .... we are sorry ... all the promises I was made a full 32 days ago when I paid this bill in full. 

We will see ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-16
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Hello. i would like to report TD Bank for excessive overdraft fees, I had made one transaction with XXXX on XX/XX/XXXX which came out as XXXX transactions instead of XXXX and another transaction was made with XXXX on XX/XX/XXXXTD took out the XXXX transaction first then took out the XXXX transactionsXXXX .When I made XXXX transaction there was a positive amount in my checking. The XXXX transaction put my account into a negative balance. So because they didnt post transactions chronologically they  charged me XXXX bounced check charges instead of one. TD Bank makes a habit of doing this time and time again. Not the first time they did this. Guess its their way of getting more money out of me. So I got charged XXXX bounced check charges XXXX instead of one. They now really threw me into a negative balance with XXXX taken out instead of XXXX and now everything is bouncing . So the deposit I made to cover what should of been one bounce check charge is not enough to cover my account. This is bad banking practice and a way to steal money from their customers. I am sure they do this to a lot of customers and getting rich doing this.

Company response to consumer: Closed with monetary relief