BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-02
Company: FEARON FINANCIAL LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I want to report to the CFPB, and warn other potential customers, about the worst possible experience with " XXXX. '' Based on my experience, I believe this company is a scam. I have secured at least a dozen mortgages/refinances in my lifetime, and this was the worst experience ever. Do not use this company under any circumstances. I applied for what should have been an easy refinance in XXXX 2016. As of the end of XXXX, XXXX Mortgages had still not gone to closing on the loan. This was a loan to value ratio of only 45 % as the property appraised for more than twice the amount I was borrowing. I was exceptionally well qualified. I provided over XXXX pages of documents, and replied to every request for information within a matter of a few hours. There was absolutely NO delay on my part. After collecting my {$500.00} deposit, XXXX would disappear for days or weeks at a time, or would keep digging deeper into the documents to ask yet another question. There was no end to the delays. The loan supervisor admitted that this should be an easy loan, that I was exceptionally well qualified. I reached a point where I was calling everyday. This became my second job! After three months, and no closing in sight, I told XXXX that I just wanted my {$500.00} deposit back and that I would get a mortgage elsewhere ( which I easily have done at a local bank ). XXXX approved the {$500.00} refund and even sent me a " receipt '' for the {$500.00} credit to my credit card. Guess what? I still have n't received the credit! Another fraud. This company should be shut down.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Called to get replacement card. Was told the new card could not be mailed due to some previously returned mail. Spoke to Supervisor, was told nothing was returned. Then when they tried to request a replacement card, it showed again - some returned mail, no information on what and when was returned. The address on account was CORRECT, but they demanded Primary card holder to confirm the address. Now representative has no information on WHAT was returned. 
Apparently they do not have their record straight. 
Now they asked me to go to mobile app to confirm - and again - a problem. 

I am spending over an hour requesting a replacement card. 

Poor customer service. 
Representative name XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On my credit report XXXX is not reporting what appears on my account online. They are not reporting that I have not been XXXX days late on my account in XX/XX/2013. Instead it says my account has been charged off. Online the company is reporting that my account is current. When the payment is XXXX days late the company calls and requests a payment because the account is still active and not charged-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Santander consumer has been ripping me off!!!! I have been sending payments for months and my loan is still at the same amount it was when I first got the loan. And I 'm getting extra charges for literally nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Three years ago I got a loan through Santander because I did n't have any other choice. The loan 's interest rate is 22 % which should be illegal. I 've paid on time and the payments I 've made have barely made a dent in my loan agreement with them. I 've tried to get refinanced but the vehicle is a 2006 so no other lender will entertain touching it. I 've done the right thing by diligently rebuilding my credit but to what avail. Santander is a company that lacks integrity and should not be in business. I 'm sure there are XXXX of XXXX of individuals in the same boat as myself. This is n't right! So yeah I think a lawsuit should be bought against Santander and any other company that charges ridiculous interest rates. I also want to warn others that sometimes it 's better to not purchase a vehicle especially if you are going to get screwed over by vile sub prime lenders that are allowed to prey on the misfortunate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: Grant & Weber
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Grant & Weber Inc out of XXXX NV is trying to collect a debt from CALIFORNIA on a Medical debt for XXXX XXXX XXXX XXXX which already was challenged and disputed for services never rendered this debt to believe after investigation someone using my name for XXXX XXXX XXXX XXXX never complied and or sent proof ( SIGNED AUTHORIZATION COPY FOR MEDICAL TREATMENT AND OR WAS NOT MY SIGNATURE OR ID ) Grant and Weber in the past and present has researched my name and credit profile and is soliciting so called past debt and purchasing bad uncollectible PAST DISPUTED DEBTS and calling and threatening to take legal action against me,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Nationstar dba/Mr. Cooper acquired our mortgage in XXXX from the originator. We have made timely payments in full and yet Cooper claims we are in arrears. We have spent hours on the phone with Cooper giving them proof of payment. Just today we got a letter saying we are in default. This is utterly unacceptable. We insist that Cooper find all of the payments we have made, credit them fully, refund all late fees, and cease any default actions. 

We closed on a house XX/XX/XXXX, using a local mortgage originator in XXXX XXXX, NC. The closing included payment for XXXX, XXXX. Using the voucher provided by the originator, we made the XXXX payment of by check. We have the cancelled check, and the originator has confirmed that the XXXX payment was transferred to Cooper with the rest of the loan documentation. 

We have since made two other payments by direct transfer from our bank. We have confirmations that those payments went through. They should be for XXXX and XXXX -- or at least XXXX and XXXX. In any case we are current. 

Cooper keeps making robo-calls and mailing notices that we are " in default '' and " delinquent. '' It is outrageous that this company treats diligent and responsible clients so badly. It is not our responsibility to find Cooper 's money when it buys a loan. Their sloppiness is their problem. 

Please order Cooper to cease and desist all default and delinquency proceedings, to find and credit all of our payments, to credit back all late fees and charges, and to confirm in writing we are -- and always have been -- current with payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Item Loss of income XXXX % Penality of XXXX withdrawal {$700.00} XXXX % loss of future investment {$560.00} Labor and costs involved in letters and telephone calls {$100.00} Total requesting {$1300.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: ARVEST BANK GROUP, INC.
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold to Central Mortgage Company, based out of XXXX XXXX, AR. In order to pay online they charge a {$5.00} convenience fee. In order to send an extra payment they charge a convenience fee. In order to set up bi-weekly payments, they charge a {$200.00} fee PLUS {$3.00} per payment. All of these fees seem shady at best, and I did n't choose this company as my mortgagee. I feel trapped with no recourse for this company 's ridiculous fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX XXXX XXXX XXXX account still reporting incorrect shows last payment XXXX XXXX they also received and processed through my account XXXX XXXX XXXX {$27.00} in XXXX XXXX approximately the XXXX of the month they also accepted my payment of {$27.00} in XXXX XXXX processed through my account XXXX XXXX XXXX I then closed my account with XXXX XXXX XXXX XXXX account. I then on XXXX XXXX XXXX through their automated system paid my remaining balance to zero with the payment of {$21.00} which was my final remaining balance. the confirmation number for the final payment bringing me to XXXX balance is XXXX on date XXXX XXXX XXXX payment has cleared my bank I received a letter today from XXXX XXXX XXXX XXXX card dated XXXX XXXX accepting the closure of my account by me and telling me I had a remaining balance of {$20.00} I paid that as I said XXXX XXXX XXXX I gave you my confirmation number XXXX this needs to be reported correctly account balance is XXXX and account is closed by me

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 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXXXXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

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 2020-03-13
Company: Experian Information Solutions Inc.
State: CA
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 was made aware of an account from XXXX XXXX XXXX today XX/XX/20 when I was denied form getting a loan at XXXX. I had no idea this account was on my credit report reflecting badly because I did not open it. This account does not belong to me and I have reason to believe that it was opened without my permission. I never opened an account with that company and I have never authorized them to run/access my credit. I did not benefit anything from this account such as money, goods, services or any other benefit. I filed a police report regarding this unauthorized account.

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 2017-05-26
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX   XXXX , 2017 - - *   Rec eived letters from  XXXX  2nd/NEW Attorney (  *** ) -   Re  nt i s due on th e  XX/XX/XXXX  y et Attorney 's for the  XXXX  sent  3-day not ice with a debt collection notice attached as well. Attorney -   XXXX   XXXX   (  KTS )   XXXX   XXXX    2017-  - We sent certified letters to  XXXX  and  its at torney ( KTS ) to validate the debt and that we are disputing ALL portions of the alleged debt.       XXXX   XXXX    2017 -  - KTS filed unlawful detainer ( unbeknownst to tenants )   XXXX   XXXX    2017  - - Tenants received unlawful detainer    XXXX   XXXX  2017     - - Interrogatories personally delivered to Plaintiff Attorney of Record ( KTS ) .. Inspection demand personally delivered to Plaintiff Attorney of record ( KTS ) .. Notice of Motion-to-Quash, Judicial Notice  ,  personally delivered to Plaintiff Attorney of record ( KTS ) by server.       XXXX   XXXX   2017     - -   XXXX    XXXX   XXXX   XXXX ,   XXXX   XXXX   XXXX   XXXX   XXXX   (  " Plaintiff '' ) authorized agents falsified documents and KTS is heavily relying on this information, which constitutes Civil Conspiracy.       XXXX   XXXX   XXXX     - - Counsel for KTS attempted to collect a debt without providing validation of the debt in violation of FDPCA, at court and in open court he attempted " Personal Delivery '' of the Summons and Complaint, even though we have disputed this alleged debt.     SUMMARY : The company is in violation of FDCPA, violations include but not limited to : - unlawful communication tactics -False statements and/or representation - Taking legal action on a fraudulent alleged debt.   - Malicious prosecution  - Harassment & Discrimination & Retaliation - I would l ike for this company and their process server to be investigated by this bureau, the California Attorney General, DOJ or FBI. Because if they are trying to pull this stuff on my wife and I am sure they have attempted this on other consumers and caused irreparable harm to individuals.     Law offices of Kimball , Tirey & St. John LLP  XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX , California  XXXX   Re  :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXXXXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

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 2022-03-23
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXXXXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I will begin with the fact that USAA is well known for manipulating their customers accounts. If you make a deposit or withdrawal they will move the dates in order for them to collect more fees. I actually have proof of this happening in my account. The most recent occurrence of my account being manipulated was on XXXX/XXXX/2015. I made an immediate withdrawal of {$1800.00} from a local branch which USAA partners with to obtain a cashier 's check in the entire amount withdrawn, similar to an ATM withdrawal but due to the amount it needs to be completed this way per USAA. However, my USAA account statement shows the withdrawal was made on XXXX/XXXX/2015 which is a significant deficit of days and cashiers checks are immediate. I kept all receipts of withdrawals to prove this. I also paid a bill which cleared after a deposit I made in the morning of the XXXX XXXX only to have it magically appear before the deposit, even though it was n't made until after the deposit was made. My next instance happened on XXXX/XXXX/2015 when I deposited via my phone a US Postal money order in the amount of {$310.00} in the morning at approximately XXXX XXXX it was later that day after my deposit which is immediate when made from the mobile device that one of my auto drafts for billing cleared. Once again my account was manipulated and my deposit was moved to after the ACH draft attempted to clear as to make it appear that no funds were available at that time so USAA in turn could charge me an overdraft fee. Then when my check which was written out to my housekeeper in the amount of {$85.00} cleared they once again manipulated my account and charged me not once but twice overdraft fees when you can clearly see on my account statement there were funds available and the check itself did clear the first time. When I spoke with a customer service rep, they told me they could not fix it because it was their computer who processes and they can only see the process. Now, if it is my money and I can see that enough is there to clear any debits or checks they can not do things behind the scenes in order to make more money. I am in the process of changing banks and I want the FTC to look into USAA and their practices as I am not the only service member who has experienced this. I want those fee 's refunded as there was money in my account and I also want their " system '' to reflect actual dates and times of transactions accurately. Again I have proof of all that I have alleged and would be more than happy to hand it over to anyone who wishes to see it. I want to ensure this stops happening to those of us that serve. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 was made aware of an account from XXXX XXXX XXXX today XX/XX/20 when I was denied form getting a loan at XXXX. I had no idea this account was on my credit report reflecting badly because I did not open it. This account does not belong to me and I have reason to believe that it was opened without my permission. I never opened an account with that company and I have never authorized them to run/access my credit. I did not benefit anything from this account such as money, goods, services or any other benefit. I filed a police report regarding this unauthorized account.

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