BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-26
Company: DISCOVER BANK
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
Applied for Discover XXXX XXXX back on XX/XX/XXXX. I felt that it was a good time with credit scores of XXXX. I had been researching options for a few months before choosing Discover. 

After starting the process I begin to get the requested paperwork in order. Two items that I couldn't supply was a bank statement with {$7400.00} and XXXX tax returns. The funds were available in my XXXX statement but not XXXX. I transferred funds to the account to meet the request but was told it needed to be on a statement. I asked if I could supply proof from a business I owned but was told it had to have my name on the statement not the business, I told them I couldn't supply until XX/XX/XXXX when the statement closed. There was an extension on filling my XXXX taxes which explanation was provided. They told me to supply XXXX & XXXX taxes which I did. 

Once I received the statement showing three times more than they required ; also provided a paid in full letter for a loan in good standing which I felt showed responsibility and preparation to accept a larger loan with smaller payment. 

On XX/XX/XXXX I received email that I was denied, which stated I could call for explanation. 
During talking to the officer he stated, 1 ) That I needed to have 2 months with the funds in my account, which I was only told to have the {$7400.00} in the account. 2 ) He also said not having overtime on my W2 check stubs, which shows XXXX earnings YTD. 3 ) That my XXXX was to high, which I know is not accurate. 4 ) My business took a loss per my tax returns, which I provided a P & L statement for XXXX showing a profit. I did not understand this considering they wouldn't let me use statements to help me but are using the taxes against me. Other things had been mentioned also. 5 ) For the PIF they needed to show funds in the bank account, which this personal loan was used to strategically boost my business in XXXX. My business has been paying this loan since I received the funds which showed in the XXXX & XXXX statement for XXXX and if allowed in the business bank statements. The business paid off the loan in full. 

Personally I did not understand and waited to receive the denial letter for explanation. None of the information received over the phone was included in the letter to prompt this complaint. I would like the method used to make this decision to be investigated. No option was offered as it stated on their website. Wasn't asked if I wanted to add my wife on which is more income.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: Netspend Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX around XXXX in XXXX GA, I made a purchase at a XXXX gas station. However, the cost of the item was XXXX and the amount deducted from my Netspend card was XXXX. Additionally, the charge showed at pending which did not show as the merchant having collected the amount. Thus the money wasn't showing on the merchant 's end, thus I could not get the item purchased. But {$1.00} was deducted from my card. I called NetSpend customer service and they told me that a purchased was made for {$1.00} but the cashier told the Netspend representative that there was no purchase showing on their end, as if I never made the purchase. I also confirmed that. The Netspend representative told me that I would not get the money until it is either collected by the merchant or refunded to my card. I thought this was atrocious for in the past, when I usually make a purchase, the money goes to the merchant immediately instead of the transaction pending. This means the customer is without their money for the purchase and also without the item purchased. The workings of the way this card works is close to stealing in my opinion because the Netspend bank takes the money from you but never deliver it to the merchant.

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 2023-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On my XXXX XXXX XXXX there were charges and fees i didnt recognized or make myself and they my information without my knowledge illegally.

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 2023-06-03
Company: Alorica Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I tried to apply Louisiana Scra benefits to my XXXX XXXX XXXX that I took out in 2016. I havent received a response from the company. The company shut down and was brought out by SSTXXXX which I contacted but havent heard a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/2019, I learned from a credit monitoring service that someone opened more than one fraudlent account, the most germane for this complaint was XXXX XXXX XXXX  ( " XXXX  XXXX '' ). I contacted XXXX XXXX by phone, and notified them of the fraud. On XX/XX/2019, XXXX XXXX sent me a letter asking to speak with me me about the fraudulent credit card opened in my name. 

I received another letter dated the same date notifying me they coundl not find any record of the inquiry. However, the hard inquiry remained on my credit with the 3 main credit reporting bureaus. 

I again contacted XXXX XXXX and reminded them that the account and the hard inquiry was a result of fraud, and requested they look into it. XXXX XXXX DID find the inquiry, and sent notices to the 3 main credit reporting bureaus asking them to remove the inquiry. XXXX XXXX did follow up, and all but EQUIFAX removed the hard inquiries. I attempted to deal with EQUIFAX on numerous occasions, speaking with heavily accented foreigners who told me that the fraudulent inquiries were a " scar '' and can not be removed. at the same time, certain other calls resulted in claims they would remove the inquiry AS OF THIS DATE, EQUIFAX HAS NOT. I have submitted repeated efforts at filing disputes with NO ABILITY to attach the documents I have attached here. 

EQUIFAX  also tells me to get XXXX XXXX to request the inquiry be removed. XXXX XXXX has done that, and notified me that they can not get EQUIFAX to comply. AS A RESULT I HAVE PLACED A FREEZE ON MY CREDIT, WHICH MAKES DIFFICULT FOR ME TO BEGIN TO REPAIR THE DAMAGE This is my second complaint. Equifax claims to have sent me a response to this issue, but that us false. What they sent me was a completely different matter that had nothing to di with this XXXX XXXX fraudulent hard inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the XXXX to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Bank Of America prepaid is a complete fraud! I made two disputes because I didnt realize there were more charges from the same company that was fraudulently taking money out of my account. My first dispute was resolved in my favor, and then the second one was denied. How is that even possible? Because it was for a larger amount that they didnt want to pay? It was from the same exactly company that they found was in my favor for the first dispute. I am now in the process of a 45 day review to look at the decision. This is ridiculous!!!! I want my money back!!!! Look into the situation like you are paid to do, otherwise I will be taking steps further to ensure this gets resolved!

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 2018-07-11
Company: EQUIFAX, INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XXXX XXXX  reflects the Human Resource debit is paid off, and I quote from their web page, " You've paid off 100 % of the original amount '' ... but also XXXX XXXX continues to tell me about once a month via email that the debt is effecting my credit score. 

The debit concern is with The XXXX County XXXX Department of Human Resources which wrote this debit off to my local district court for garnishment of which they are collecting biweekly from my payroll which I can provide digital proof of. 
Also the debit owed that they are reporting to XXXX and Equifax is not the correct amount anyway nor is it in arrears or bad standing. So I am requesting that XXXX and Equifax remove this discreprency immediately!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 noticed a student loan account opened in XX/XX/2022 on my credit report by XXXX XXXX XXXX servicer without my permission, validation, authorization, and verification nor does it have my signature to be placed ontheirplatform.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
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:
Regarding the errors on my credit report, I've filed a dispute. I haven't received any investigation results in well over 30 days.

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 2023-08-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
JPMCB-XXXX XXXXXXXX, XXXX  should be removed, deleted and update to current with 3 major credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I financed a XXXX XXXX XXXX from XXXX FL XXXX XXXX XXXX XXXX XXXX. Authorized Reps from the finance department negotiated vehicle payments between Ally Bank and Myself. My original initial payment date was then XX/XX/XXXX. Due to Vehicle registration issues I returned to XXXX XXXX on XX/XX/XXXX, when authorized reps re-negotiated my vehicle payments between Ally Bank and Myself. I then was told and given documentation from authorized Rep for a new initial payment date of XX/XX/XXXX. I then proceeded to make monthly payments from the new date of XX/XX/XXXX. The system at Ally Bank only recognized the original initial payment date. After multiple phone calls and emails with Ally Bank customer service they ultimately tasked me with the responsibility of getting their authorized reps at XXXX XXXX to send in new paperwork. Even though I had already sent in my copy of the paperwork and informed them of previous attemps to do so. Ally Bank has refused to recognize my new payment date and charged me unfair late fees and improperly reported payments to credit bureaus. This is a violation of CFPA 1036 ( a ) 12 USC 5536 preventing service providers from committing or engaging in unfair deceptive or abusive acts or practices.

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 2018-10-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received a letter from the mortgage company stating they needed proof of insurance. I had insurance on my home when I bought it on XX/XX/XXXX. So I contacted the insurance company preferred mutual on XX/XX/XXXX it was then that I was notified the policy was pending cancellation due to non payment on XX/XX/XXXX. On XX/XX/XXXX I called XXXX XXXX XXXX  to inform them that I have insurance and it's due to be cancelled on the XXXX if they don't receive payment. They told me to tell the insurance company to fax the bill toXXXX and they'll try to overnight payment to them. I let a week go by and checked my escrow account the insurance payment still haven't posted. So I called the insurance company again the person I spoke with said it was faxed over on XXXX, then I called the mortgage company they stated they didn't receive it, and tell the insurance company to e-mail it to XXXX. I then called the insurance company with that information they stated that they'll get that done. at that time it was within a couple days of being cancelled so I waited another week the money still didn't post to my escrow account. Now because the policy has been cancelled I called my agent to let her know what happened and see what I could do about it. Since it had not been past 30 days since cancellation they can get payment and renew the policy. Now 3rd time call the mortgage company I was told to have my agent e-mail the bill to XXXX with the loan number in the subject box and they'll try to overnight a payment. Now once again didn't hear anything. All of a sudden I get a email from my mortgage company stating that my hazardous insurance is paid in the amount of {$1000.00} but the insurance that I have was only {$720.00}. I look online at my account it's some insurance that the mortgage company added meanwhile I don't have no type of paperwork pertaining to this insurance. On XX/XX/XXXX I called my agent to try to get my insurance back and couldn't because it was lapse for over 30 days, due to the lapse I can't get no competitive rate. the new insurance policy I have cost me {$980.00}. Called the mortgage company and had a fit. They said as soon as I get proof of insurance to email to the same email address previously they'll update the account and then I'll maybe get reimbursed. This was a issue that was not caused by me.. in reality had nothing to do with me all I was supposed to do was make my mortgage payments and that's what I did now I may have to suffer with the 30 day lapse for years this wasn't right at all

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX XXXX which was a XXXX account was closed and then XXXX sold it to Synchrony, which has now been changed to something else. The website is down, you can not make a payment or get access to any synchrony accounts : Including JC PENNY and Care Credit. The online chat is no help the person just said refresh and try a new browser. The phone number provided is no longer in service. Neither company can find my XXXX XXXX Account, which has happened many times in the past. It was an online bill pay which got messed up, but since resolved. They do not send paper bills any longer and the online services are not accessible. Synchrony has been a problem from day 1 when they bought my account. The emails that are sent to say your bill is due, provide a link which is no longer in service. There is no way to make any payments, but they will charge a late fee and past due.

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 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports :

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 2023-08-24
Company: Upstart Holdings, Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
on XX/XX/XXXX Upstart company reported my personal loan payment as 30 days delinquent and 60 days delinquent with XXXX. I contacted them and asked for this to be removed from my credit report as my payment was made on time. I received an email communication from Upstart stating that After completing an internal investigation, the have determined that the delinquent status reported to the credit bureaus as of XX/XX/XXXX, is not accurate. And promise to make correction. 

The correction was never made and the delinquent status still shown on my credit file as of today XX/XX/XXXXXXXX  Due to the inaccurate reporting and failure to make adjustments for more than 10 months I was denied multiple personal loans to pay my debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: MO
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:
Medical debt on equifax shows XXXX. I paid it to be below XXXX. XXXX  balance shows XXXX for the same debt. I disputed it and they said the balance was correct. I provided proof of payment and because it's medical should be removed. The did neither.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX 2013 shoud be removed, deleted and updated

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
They are saying that i owe this debt, that they say i owe them. I have send " General Affidavits '' to them as well, and asked them to send me my signature baring that i owe them, they can not provide proof of contract stating that i owe them.I am seeking out a lawyer on this situation. Its has ruined my credit, all because of them not validating what i have requested for them to send me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: Albert Corporation
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2023 I requested that Albert Genius close my account. They would not, as I was told I had to unlink my primary external bank account. I tried to unlink my external bank account, but I kept getting an error message stating Unable to UNLINK primary bank account. I informed the customer service rep at Albert about this error. I tried over multiple days and I could not unlink my primary account. I was charged an {$8.00} by Albert and it caused a {$30.00} overdraft. I made the rep at Albert aware of this. I also filed a complaint with the Better Business Bureau to no resolve, as Albert insisted that I needed to unlink my bank accounts continue with account closure. However, I can not unlink my bank accountant because their system wont allow me too. Today, as I logged into my bank account, I had another {$8.00} charge from Albert Genius AGAIN. And I was charged a {$30.00} overdraft fee by my bank AGAIN for the second time in 2 months. This was after over 10 emails with customer service reps informing them to close my account. And after the Better Business Bureau complaint, Albert answered that I must unlink my account. But I can not be because the system will not allow me to. I want Albert to close my account and stop withdrawing funds. I would also like a refund if the {$16.00} in charges AND the {$60.00} in overdraft fees that Albert has caused.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation