BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-15
Company: CATHAY BANK
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have been trying to open a passbook saving account but cathay bank tells me different stories customer service rep in messages section said I can branch is tell me no and a representative from they headquarters said they only open for senior citizens I find to be aged discrimination because I'm trying to save better I'm trying to handle my finances better to buy a home in my future I really don't like statement saving I would like a pass book and I know I can be given it I was not given a opportunity to change to passbook

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Name XXXX XXXX is incorrect. Capital one account I 've never had accredit card. The spring associates amount is incorrect I 've disputed and called their office. Insurance paid all but my portion which was {$500.00} of which I paid {$350.00}. His office has had many complaints to about over or double billing insurance companies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: National Credit Systems,Inc.
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was contacted by telephone by XXXX XXXX, phone number XXXX on Thursday, XXXX XXXX regarding an apartment lease for my son we were trying to pay off with leasing company. My wife contacted XXXX XXXX on the XXXX who then told her that a payment arrangement needed to be made before Tuesday, XXXX XXXX or the account would be reported to the credit bureau. She informed XXXX XXXX that we had not received any notice of the account being turned over to collections as we were still sending payments to the corporate office of the apartment housing. XXXX XXXX told her that a letter was mailed out on XXXX XXXX and still demanded a payment arrangement be set up prior to the XXXX. My wife explained she was not comfortable giving out our checking information over the phone since we did not have proper notice. We finally received a letter in the mail from XXXX XXXX ( National Credit Systems , Inc. ) dated XXXX XXXX, 2016. My wife explained to XXXX XXXX that she would be disputing the amount claimed to be owed as she has repeatedly requested an accounts ledger from the apartment corporate office as our balance did not match theirs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: NATIONWIDE ADVANTAGE MORTGAGE COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
According to the Fair Credit Reporting Act, Nationwide mortgage has been willfully and/or negligent in including inaccurate information with regards to reporting my mortgage loan to the XXXX credit bureaus. I have called Nationwide mortgage before and recently ( XXXX/XXXX/2016 ) sent nationwide all necessary information to prove this inaccurate information. I requested them to correct the mortgage information and have not seen a change in my credit information at any time. I have also disputed this mortgage information to XXXX credit bureau regarding this matter and submitted a complaint to the XXXX. This matter has severely damaged my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I had XXXX XXXX credit card accounts and one " XXXX '' (??! ) account on my credit report which were NOT MINE. I was shocked. i notified the bureaus of this error ( see letter attached ). They were somewhat helpful, removing XXXX of the XXXX accounts -- but not the other. I was totally bewildered. Neither account is mine. I do n't know how they became attached to me! Anyway, I was then instructed to contact the " data furnishers '' about the error ( see letter attached ). They were even less helpful. They did nothing to help. I then notified Equifax of my intent to file a complaint. i am following through with this notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Respected Sir, I Vacated an Apartment in XXXX and while I was staying there on Notice period, no one came for Inspection on premise. When I vacated I got a huge bill of XXXX PLUS XXXX, Stating proper notice was not given and lease was broken. But when I reminded about my submission of my employer letter, they then reduced the amount. 
Then again in the new bill, they mentioned they replaced kitchen counter top and charged me, which was fine when I left.Then I asked for proof like photo, which was not sent. Then National credit system called me as a collector for debt and I mailed XXXX that I DISPUTE claim, still they went ahead with collection agency. Collection agency mentioned if out of XXXX, I owe I pay XXXX ( minus countertop ) they will not report to credit beaureu and I paid that. Inspite of that, now when went with home purchase, to my surprise, because of remark from National Credit system my loan was rejected to low credit score.I called national credit system then told If I pay remaining another XXXX USD to settle in full they will remove it. Still now I can see a statement saying Settled less than full amount in Credit score. National credit also issued me a letter that I owe nothing. Still it is appearing on credit report. I have been a law obeying and good person, but such incident has left me shattered. Please help me, when I have Disputed the claim, how was this handed over to National Credit system. Why did national credit system say that once I pay for amount minus Countertop replacement which was a dispute, they will not put in credit report and still went ahead and put that. Also now also they are not removing it from my credit report affecting my home purchase and interest rates. Also XXXX reduced the final bill XXXX accepting that original bill was incorrect so is this not means to extort money, if they is no resistance. I have full faith in truthfulness and American Justice so please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX  XXXX XXXX called me numerous times and demanded I pay XXXX to their collections for a Chase Bank account. Placed for collection on XX/XX/XXXX. I never opened a Chase account and I filed bankruptcy in XXXX. I notified XXXX but they said they investigated and said the disputed item was accurate. It is not.I want this removed immediately from my credit report. I also reported this to my local police department and they gave me a report number. They will also look into it for me. I hope someone can help me with this fraudulent activity. I will not call this company because I have anxiety plus other health issues and dont want to end up in the hospital from stress. I never even received any letters or statements from this company showing I owe Chase bank and what its for. There are scammers out there looking to take peoples money but I dont have any money to give. Im going through a financial hardship as it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing today to explain my current financial situation. Unfortunately for several years, I was not handling my own finances. My husband took over total control of the finances and became XXXX and XXXX XXXX along with having XXXX XXXX. On his third attempt, he committed XXXX on XX/XX/2021 and I am now able to handle the rebuilding of my finances. Along with my social security of {$2300.00} I am working full time earning approximately {$2300.00} per month at XXXX XXXX. This would adjust to {$55000.00} per year. I am also receiving XXXX  income totaling {$30000.00} per year a for a total income of approximately {$85000.00}. I would like to propose a trail payment plan of a direct withdrawal of my monthly mortgage payment from my checking account for the next 6 months. If income and on time payments continue then be reconsidered and continue with the direct withdrawal process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: EQUIFAX, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
I am XXXX XXXX XXXX and Im submitting this complaint myself and there is no third party involved. Due to Equifax being a XXXX XXXX XXXX and collecting fees for reporting information on consumers, they are not exercising their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 15 USC 1681 c-2 states that a XXXX XXXX XXXX XXXX XXXX the reporting of any information in the file of a consumer that the identifies as information that resulted from identity theft, no later than 4 business days after receipt of the following : 1. Appropriate proof of identity to the consumer ; 2.The identification of such information by the consumer ; and 3. A statement by the consumer that the information is not information relating to any transaction by the consumer. It is now XX/XX/2022 and Equifax has yet to place a block on all information resulting from identity theft. 15 USC 1681 ( b ) states that consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce and consumer credit in a manner that is fair and equitable to the consumer, with regards to confidentiality, accuracy, relevancy, and proper utilization of such information. If Equifax allows its business partnerships with these organizations to continue to violate my federally protected consumer rights, they will be liable to me for the stress, XXXX XXXX, and any other actual damages caused as a result of the failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My fianc and I called XXXX XXXX ( XXXX ) to recover an old account that we couldnt access due to not having access to the old number and email attached to the account. They then stated that there is another way to recover the account and asked for remote access to both of our phones, accessed both of our XXXX XXXX, My Bitcoin through XXXX XXXX, and My XXXX Account. They took about {$600.00} of my fiancs money through XXXX XXXX and Bitcoin. And then took about {$1000.00} from my XXXX Account through 2 transactions. One for {$600.00} and one for {$400.00}. They also called back on a few numbers. Before we knew for sure that it was a scam, it was too late and they had our money. I even contacted XXXX XXXX through my computer during the call to ask about the legitimacy of this number and verification process and they didnt seem too concerned at the time. It was early on in the call before the larger amount was taken. We eventually hung up and called back and were informed that it was a scam. They then said we needed to purchase a card at XXXX to return our money but we did not and hung up. I immediately contacted my bank and filed a claim which was denied. Ive been messaging them for weeks trying to get them to re open the case. Chase Bank wont help me because it was done through remote access and XXXX and they dont see anything by looks fraudulent on their end. And the true XXXX XXXX can not help due to the scam and transactions not being made through XXXX XXXX  in any way. I am now behind on multiple bills, no groceries for my toddler and {$11.00} to my name and Im running out of options on getting this resolved and my money recovered. Please let me know if there is any other information I can provide to work towards resolving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: American Credit Acceptance, LLC
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
i was financed for XXXX XXXX corolla {$11000.00}, {$320.00} monthly to American credit acceptance from XXXX XXXX XXXX XXXX, XXXX, ohio XXXX .the car has too many recalls that could cause death and injury, it has too much mileage, too many problems not covered in the two year warranty, tried too get better trade they declined and gave suggestions too get recalls done but all other problems that should have been fixed before financing me for the vehicle was not dealt with. tried too get engine check light fixed from the dealership XXXX it came back on two days later and the car stalls sometimes the breaks which were promised too be new are loud front and back wheels whobbily like they 'll come off the wheel baron gas leak, evap system etc ... ... ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: MRS BPO, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX is trying to collect t a debt that is not kine the dont have no copy of my identification or driver 's license to says that's my debt they are in violation of the fair credit reporting act and the fair debit collections act

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Other

Complaint:
Capital One offers a unique program to their customers through their website where a customer can combine XXXX credit cards. The minimum criteria are listed on the web site, with no other terms or conditions about the program available. XXXX of my Capital One credit cards meet this listed criteria. The website tells me I 'm still not eligible. I called capital one and spoke to a supervisor. I was informed that it was a back end decision, and although my cards meet the criteria listed on the website, their system has said I am not eligible. When I asked why, they informed me that even they did not know, and there was no way to find out. 

So on the one hand, I have met all of the criteria made publicly available to consumers. On the other hand, Capital One is saying I have not met the right criteria, and can not tell me why. 

I fully understand if there is criteria I have not met, but to simply be told " You 're not eligible, and we ca n't tell you why '' does n't work for me, and seems more like false advertisement than anything else. If I were to be told exactly why I was not eligible, then that at least gives me something to go off of other than " Better luck next time ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: Specialized Loan Servicing Holdings LLC
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan servicing was transferred from XXXX to Specialized Loan Services ( SLS ) about a year ago. SLS refuses to send me a monthly mortgage statement either by mail or by email. They tell me it is because my mortgage was included in a bankruptcy. I filed my BK in XXXX 2010. This BK included XXXX mortgage. I have received monthly statements from every lender on all of my mortgage until my loan was transferred to SLS. I am never notified of any changes or problems concerning my account. This policy make it very easy to get behind on a mortgage payment if for some reason a late payment or escrow increase occurs on the account. It does not seem right that that SLS can leave it 's customers in the dark and give them a death wish on keeping up with changes on my 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
Consumer complaint received 2021-09-28
Company: ALLY FINANCIAL INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # :XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Ally Financial Inc. violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), and 18 U.S. Code 8

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 2015-05-19
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
National Credit Systems continues to re-report a debt after I have disputed it and won twice. The credit bureaus have deleted them from my credit, but this agency comes back and re reports it. They hold a debt from a Judgement. XXXX XXXX Court was unable to validate or substantiate the judgment as the file was incomplete and had inaccurate information. They have deleted this from XXXX and XXXX. If the court can not even validate this debt, certainly this collection agency can not either. So they should not be able to continue to report this on my credit and must delete it. I have asked verbally and in writing 3 times for them to send me what they have in order to validate this debt. They have yet to send me anything in the mail and when I call, they leave me on hold. At this time, while writing this, I have been waiting on hold to speak with someone fore XXXX36 mins and counting ... 
Please hold the agency accountable. They are unlawfully reporting to my credit and my next step is to sue.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My loan servicer, Specialized Loan Servicing, placed forced insurance on my account for hazard insurance. I am part of an HOA that pays for this as part of the dues, and so I have been trying to get proof of this to Specialized Loan Servicing ever since they added impounds to my account. 

Not only are they impossible to get a hold of on the phone ( any time I call their automated system says the wait time is greater than 15 minutes and offers a call-back option. I have yet to receive a call back earlier than a DAY later ) but they do not list a means of contacting them via email! 

I have faxed them my information several times, with a cover letter showing my Specialized Loan Servicing loan number, my email at which I have asked to be contacted at and my request to have impounds removed -- I have never received any attempt to reach back out to me. 

When going to their website to try to find an email through which I can electronically send them the information, the only description available is this : " To reach us by E-mail : You may email your request to Customer Care Support by logging into your account, then select Contact Us and follow the instructions to contact us via email. '' THAT IS FROM THEIR " CONTACT US '' PAGE, AND NO FURTHER INFORMATION ABOUT EMAIL IS GIVEN!!!!! 

I am losing XXXX dollars a month because these crooks have made it impossible to provide them the information they are requesting. Please help put an end to this -- I feel utterly trapped because I do not have the option to take my business elsewhere.

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