BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-29
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I changed hazard insurance providers on XX/XX/2020 and my insurance agent faxed the new policy information to my mortgage servicer, Loancare ( XXXX ), on XX/XX/2020. I then received two letters saying they did not have the new insurance information and they would potentially be purchasing very expensive hazard insurance for me. I contacted my agent and he showed them that he had faxed them the new policy information on XX/XX/2020. They told him that I had to call and verbally confirm that I had changed insurance providers ( I have never heard of this and believe this to be a business practice in bad-faith, trying to make it harder for me to prove I have hazard insurance ). I tried to call the " XXXX XXXX '' that XXXX said needed the information several times the week of XX/XX/2020. There is no way to get a person on the phone when I called the " XXXX XXXX. '' None. The automated system is so XXXX  and there is not a choice to speak to a customer service person. The automated system continued to say that they did not have hazard insurance information for me on file. Loancare/XXXX  appears to be deliberating making it impossible for me to update my insurance information, presumably so they can 'buy ' me insurance from a company at an exorbitant rate. I consider them to be acting in bad-faith by requiring me to verbally confirm a change in the policy, when the policy is obviously in my name and on the home that I own.

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 2022-03-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-21
Company: Rocket Mortgage, LLC
State: ID
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Summary - we are distressed homeowners with a short sale in our history ( dated XX/XX/XXXX ). We are eligible for traditional FHA financing 3 years from this date per multiple sources. We contacted Quicken Loans to see when we would eventually be eligible for mortgage financing again. The representative we spoke with ( XXXX ) repeatedly assured us we were eligible for FHA financing at 4.25 % ( with 3.5 % down payment ) with a manual underwriting process immediately. She obtained our credit report in XX/XX/XXXX. XXXX up-sold our eligibility to us and our realtor for approximately one month. When we eventually found a home, and submitted a contract, XXXX asked for a {$400.00} good faith deposit, and an application. Our loan process was then handed off to manual underwriting in mid-XX/XX/XXXX. Immediately, the representative from Quicken Loans Manual Underwriting told us that we were not eligible for FHA financing due to late payments from the short sale in XXXX. This was information available to XXXX since she ran our credit report. Then the manual underwriter sold us on a ARM 5/1 product with an interest rate of 7.325 % with 20 % down payment that I could of obtained from a local broker. At that point, I began to wonder if this was a bait and switch operation, requiring {$400.00} payment before speaking with the underwriters, and upselling a higher rate interest rate product after a home contract had been established ; thereby taking advantage of potential home owners that are emotionally vested in a home. This was simply unsatisfactory. Since we have been declined, I have repeatedly attempted to retrieve our {$400.00} deposit, get an apology for being misled, and obtain compensation for our time, and our realtor 's time wasted over the past month. So far, I have been unsuccessful. Can you please assist? The Quicken loan # is Application # XXXX. 
Sincerely, -XXXX XXXX cell / text ok XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-12
Company: BMW Financial Services NA, LLC
State: NV
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
This was an auto lease for business. The auto was brand new and started having mechanical issues right from the start. I had to take the car in XXXX times within a XXXX month time period due to the electrical and mechanical issues. I had communications with both BMW finance and XXXX XXXX. This auto was a lemon and should fall under the lemon law. I will be obtaining an attorney if needed because this should not be reported as a charge off or involuntary repossession nor should it have any type of balance. I have included all correspondence via email and proof of the number of times that car was serviced.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX of XXXX, I was made aware that Navient/Department of Education had placed missed payments on my account for the months of XXXX and XX/XX/XXXX although they should have been in deferment status. This notation was added on to the 11 accounts I have from this servicing provider making it 22 missed payments for the months in question. When I spoke to them in XXXX of XXXX the representative advised me that they would fixed the error, bring my status back to current and going forward my loans are in deferment status. 
XXXX of XXXX, I saw the drastic changes on my credit report and reached out to Navient about correcting the errors, and they denied my request claiming it wasnt an error in their behalf. However, if it were true that I had in fact missed a payment how come I was never contacted? They told me that they leave messages for me on their website in the inbox provided there. At that time I had no knowledge of the communication they attempted to have with me through their portal as I was never made aware of it. I ask that you all assist me in getting these missed payment notations deleted from the 11 accounts on my credit reports as it is defamation and false. It has also made me look like a terror in the eyes of lenders. I have always had 100 % payment history and now my credit is doomed because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Waypoint Resource Group, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Found collection account on my XXXX XXXX. I do not have any accounts that are past due. This collection company is listed as : WAYPOINT RESOURCE GROUP XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. 

This amount is for {$1700.00}. Under account xxxxx XXXX. The creditor is listed as XXXX XXXX. While I have an account with XXXX, it is not in collections as it is on autopay monthly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I started using PayPal for a service I provided. I went on a XXXX channel and after people wanted psychic readings. 

It happened unexpectedly. Within 2 weeks 80+ people have contacted me. 

I didn't realize the problems with PayPal before like 21 day holds on funds even after the service was successfully provided. 
They often deny my ability to use my debit card claiming they can not confirm it's me. 

My phone provider is XXXX. The account is in my name. I actually have a physical credit card from PayPal they 9 times out of 10 will deny usage. 

Today I loaded XXXX cash from my XXXX payment through another bank to Paypal and they now are denying me the ability to send money to a friend. I borrowed money because PayPal denying my card left me stranded.

I am a homeless Veteran living XXXX XXXX XXXX. I left my home because we ran out of water. I am currently looking for a new place but funds are short and PayPal is holding money I desperately need.

After I withdraw my {$1000.00} from PayPal I plan to close my account. 
I also will be contacting an attorney as I feel this is preditory business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have been struggling to reach resolution about my mortgage interest rate lock with my lender. On Thursday XX/XX/XXXX I received an email from XXXX XXXX. She replied that day copying in my loan officer to assist. However, my loan officer was out of the office thus preventing me from locking my rate on that day. 

Upon receipt of that email I attempted to lock in my rate a phone representative told me on a recorded line that i could only do that with my loan officer via telephone. 

I did not hear from XXXX or Penfed so I followed up on XX/XX/XXXX asking about locking in my rate. I got a auto reply that she was out of the office until XX/XX/XXXX. 

I received an automated message later that day that my rate has been locked in - nobody ever contacted me, there was no discussion about the option to buy points. I immediately emailed XXXX upon seeing this on XX/XX/XXXX saying that this practice was problematic and that I had been mislead by the phone representative and not given the option to lock in my rate in the days and weeks before. 
I was denied the option to choose from the published rates offered and also suffered harm due to unnecessary delay on behalf of my lender. 

My loan officer also advised that to " change '' my rate i would have to pay a XXXXpoint fee. This response is unacceptable. 

I have called several times and have not been able to speak to a supervisor about my concerns. I have been told several times that I will get a call back that never comes. I would like assistance with from your regulatory agency to assist with this request at this time. I have all exhausted efforts with the lender at this juncture. 

.

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 2020-10-16
Company: ENOVA INTERNATIONAL, INC.
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Loan was applied for Online company name Net Credit on XX/XX/2008 {$3600.00} ; loan does not belong to me, indicated on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Experian Information Solutions Inc.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Received a credit alert from Experian this morning showing my credit score dropped from good to fair because I sold a previous home and purchased a new home and moved. Experian dropped my score 17 pts. for this. The other two credit reporting agencies, XXXX  and XXXX  report my scores as XXXX and XXXX. Both as excellent. Experian also shows an old collection amount on my credit report that was paid in full in XX/XX/2019 with the original creditor, XXXX XXXX. The collection was disputed with Experian, but never removed. It is my belief that Experian does not follow the legal consumer protection credit laws and should be investigated and possibly removed as a credit reporting company. Their data and information is obviously inaccurate and no one at Experian consumer assistant will explain anything via phone or text message. I was told to hire a credit advisor so Experian way of credit reporting could be explained to me. That is not a viable solution to a credit reporting company that publishes inaccurate credit data.

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 2021-10-07
Company: NRA Group, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021, National Recovery Agency removed 3 accounts from my XXXX and XXXX. They failed to removed account from my XXXX. After months of requesting validation, XX/XX/2021, XX/XX/2021, XX/XX/2021 & XX/XX/2021 I sent an affidavit of Truth! They were not able to provide such validation, Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g. 30 days is given to investigate or respond to said request for debt validation. I did not receive validation, but accounts were removed from XXXX and XXXX only, after several attempts of requesting.

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 2019-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I made two payments to each of my accounts. Capital one debited my bank account four times. Only two payments were credited to my credit card. I made two more payments on XX/XX/XXXX and none of those payments were credited to my capital one account. Capital one claims to have refunded one of my payments on XX/XX/XXXX. My bank statement shows no refund, only withdraws from capital one without posting these credits to my credit card account. I have provided evidence and proof on four separate occasions through verbal banking confirmation via representatives and physical statements to their fax which they have confirmed receipt of transmission. Capital one has not provided any refunds or credits to my account. Instead they added manual payment adjustments of over $XXXX along with late fees for "non payment" as well as interest. I have NEVER been late and 3 out of 4 representatives were very rude and unhelpful

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I opened the account with Coinbase.com in XX/XX/XXXX. I wire transfered money to that account in order to purchase Bitcoin. I stored purchased Bitcoin in digital wallet based on their website, Coinbase.com. I forgot my password and tried to reset it, they asked to do it from the same device I used to open the account, but I do not have that device which was my old laptop. Now I spoke with Coinbase on the phone 3 times since I initially contacted them to reset the password, which was in begining of XX/XX/XXXX. They informed me that my request will be handled by specialist and they will send me an email with link to reset the password. It 's been over month and a half and I called again only to hear the same thing. I wanted to invest money into bitcoins and lost good opportunities since that time, now I am afraid they just wo n't ever answer. Please let me know if you can help me to gain access to my account, Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: BMW Financial Services NA, LLC
State: NJ
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XX/XX/2015 when my car lease was ending The BMW of XXXX, NJ called me to return my car and get a special deal on the lease of the new car. After vehicle was inspected by BMW dealership I had reach mutual agreement with the agent-XXXX to the amount of my financial responsibility for extra mileage and wear and tear cost.Subsequently, once I was satisfied with the financial terms of the returned car I negotiated with agent the terms of the new car lease. During our negotiation XXXX frequently consulted with his superiors the terms of the new lease. Finally, We have reached mutually accepted agreement in regard to the terms of the new lease. In fact, I was assured by CFO XXXX XXXX XXXX of BMW of XXXX that all financial terms agreed by both parties were final. Thereafter, I paid him down payment which included all my financial obligations negotiated with the dealership. Surprisingly, 4 weeks into the lease of my new vehicle I received a letter from BMW Financial Services NA, LLC demanding payment of {$750.00} for wear and tear of previously returned car. I believe there is some disconnect and possibly some misrepresentation between the BMW dealership and BMW financial entity. It is possible that there is dishonesty in their business dealings by agreeing negotiated terms and then billing the client for any shortfalls even though this had been agreed with the dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: Experian Information Solutions 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:
I have just recently looked over my credit report and I noticed some inaccurate accounts that are being reported on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no understanding of how someone would have access to my credit report and because of this, I have no chance of gaining new credit. Please conduct a re-investigation into this issue and have those derogatory accounts removed from my credit file.

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 2021-08-25
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX transferred my mortgage to XXXX XXXX Loan Care LLC XX/XX/XXXX. The home had been included in a Bankruptcy and not reaffirmed in XXXX. Unbeknownst to me they began placing lates on my credit which they are not to report to the bureaus as I was under Bankruptcy protection and no one can show me where I was late that month and I believe the payment had gone to XXXX who should have transferred it to loan care. I have tried to call numerous times to the company and I am told something different each time. They are saying my XX/XX/XXXX payment wasnt made till XX/XX/XXXX which is not true. XXXX was paid to XXXX and Loan care is not giving the credit for it. They also sent my XX/XX/XXXX statement to the wrong address which when I called they stated they don't even have a record of that address. I want my mortgage history fixed and them to find the payment that was sent in XX/XX/XXXX prior to the change of servicing letter that was paid to XXXX and credit my account and remove all the late payments markings on my credit report. Please find all the attached documentation.

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 2022-03-15
Company: FAIR COLLECTIONS & OUTSOURCING, 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: Account information incorrect

Complaint:
What information is requested? I RECENTLY SETTLED AN ACCOUNT THAT WAS REPORTING ON MY CREDIT. THE PERSON OVER THE PHONE STATED THAT THE ACCOUNT WOULD BE DELETED AS PART OF MY SETTLEMENT. THE BALANCE HAS BEEN UPDATED BUT THE ACCOUNT STILL REMAINS ON MY CREDIT. PLEASE DELETE AS THIS WAS THE AGREEMENT TOLD TO ME BY THEIR PHONE AGENT

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 2020-03-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have been getting charged a monthly interest rate for over a year. I just now realized this, because I have been making multiple payments, and the credit limit still gets higher. 
I checked my account, and they are constantly raising the interest rate on my credit card. 

When I first signed up with Citi Cards, I was not made aware of a monthly interest rate. It was only advertised to me that this credit card will only cost me {$99.00} a year to keep ( besides the regular charges and payments ). 


I tried to have my credit re-instated, but the representative with Citi was not really helpful. 


Thank you

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 2022-07-11
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I havent got any emails regarding my account status, but apparently the account is past due. They called my cell phone back to back, five times in a row.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-06
Company: Harley Davidson Financial Services Inc
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have submitted my payment online to have it withdrawn on a certain date. Then after three days of my bill being late I speak to an agent letting them know that the payment is posted online to be withdrawn on a date I selected. The agent looked at the system sees the payment is scheduled to come out on a date I selected. Then the next day I get four or five calls requesting payment.

Company response to consumer: Closed with explanation