BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR
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:
Response to - XXXX1- HSBC responded with incorrect card member agreements. I saved all card member information received from HSBC. My information is different than what they provided. This is mentioned to highlight the pattern of mis-information being spewed out to customers by HSBC. If corporate relations employees can't get it right, how can telephone employees located across the world get it right? 
2- They say they attempted to find phone records to back up my claim of the phone conversation I had with their reps. There were three phone calls made, the first being the call that I was told the purchases made during the intro period would remain interest free until paid off. I have two phone numbers, both registered with HSBC. however HSBC only mentions attempting to find one phone number. For clarification the phone number used for all three phone calls pertaining to this situation were made from XXXX. 

To re-cap - we have a complaint alleging incorrect information was given to a consumer ( me ). We have a response from HSBC supplying incorrect documentation and information. This pattern, again, supports my claim that I was given the information I'm saying I was given. Whether or not it is incorrect information should not matter. What should matter is I, the consumer, called for clarification of my card member agreement and I was given the incorrect information which led me to make a financial decision that instead of benefiting me the consumer, benefits HSBC. Had I been given the correct information I would have not used the HSBC card to make my purchase. 

**Portion of previous CFPB complaint*** I received a card with an into APR of 0 percent on purchases for the first 18 months. Nowhere in my card member agreement or paperwork received from HSBC did it state whether or not the intro APR would change on purchases made but not yet repaid by the intro APR expiration date. I have a XXXX XXXX card and, the purchases made are at the intro APR until they are paid off. So, I called HSBC and asked about how the intro APR worked. I took notes. I was told the intro APR expiration would not expire on purchases made within the intro period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: CCS Financial Services, Inc.
State: TX
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:
In accordance with the fair credit Reporting act XXXX Account XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: TX
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$24000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: Resurgent Capital Services L.P.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am asking for your help to resolve an issue I have that involves 2 different companies, LVNV Funding out of XXXX XXXX and XXXX XXXX XXXX out of XXXX XXXX, CA. 

In XXXX, I enrolled a delinquent credit card account I had with XXXX   XXXX XXXX into XXXX XXXX XXXX ( XXXX ) debt reduction program. That account was subsequently sold to LVNV Funding soon thereafter. 

Through negotiation on my behalf by XXXX, the account was settled and for 32 months payments were made to LVNV, ending in XX/XX/XXXX when the account was seemingly paid off. 

I continue to receive letters from LVNV Funding, their account management branch Resurgent Capital Services, and a law firm they have hired, XXXX XXXX XXXX XXXX, in my home state of Colorado. They say I owe {$7900.00} on this account. Every single bit of documentation I have shows that the account was settled and fully paid off, and I have provided the documentation to LVNV Funding. Yet LVNV continues to pursue me. XXXX provides very little help in the matter now. When I have talked to them, it seems like they are aware that some kind of mistake or error was made that they're not admitting to. This is just a feeling on my part. I have no evidence. 

I am now a XXXX XXXX XXXX XXXX XXXX veteran with 20 years service. I am also XXXX from the XXXX XXXX, Colorado XXXX XXXX   XXXX with 17+ years service with them. My only income is Social Security and my XXXX veterans retirement pay. I have had 2 stress related XXXX XXXX since XXXX, and this situation is only adding more stress. 

My fear is that LVNV Funding is going to file suit against me, and with the bills I have hiring a lawyer, let alone paying the amount they're asking for if I lost, would be virtually impossible. 

Thank you for any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Boeing employee credit union charged me fees for gap XXXX insurance that I didn't get and an extended warrenty XXXX that I didn't get refunded or the extra insurance they put on my lian that cost about XXXX in XXXX each and becu kept that refund as well as made me get a savings account and directly deposut y ssi check into and they froze my account for parent and only took it out the payment every once in awhile ruined my credit score they supplied me with a lian I couldn't afford or qualify for that XXXX loan on ssi XXXX XXXX a month they sold me a car that car company defrauded me by not disclosing it had been wrecked repaired resold ad a newer used car I went to a different dealer ship and that's how I found out they collected insurance on car first time and collected refund for their in insurance they put on contract my payment was increased from XXXX. To XXXX .month when I found out I valetaryly gave the car back but they purposely waited several months and charged me fees that shouldn't of accumulated and when they sold the car they made a profit on sake I believe they owe me XXXX from profit of sale and all itherrefunds and fake extended warrentys that still sendse a paper I mail to renew becu ruined my credit and now says I owe them after all their defrauding me and the sales if car and phoney charges XXXX owe after paying on car for two years direct my through ssi depositing every month wasn't late ever but becu would only pay out of savings when they wanted too so my credit score went from XXXX to under XXXX score totally this bank is iam not the only one becu us kmowen for these kinda shady practices XXXX is only a fraction of what becu owes 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 2023-01-16
Company: Grain Technology, Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have my account set up on auto payments and it takes the payments out monthly. But one month it said I was past due so I made an extra payment and said {$0.00} was due. Then after my normal payment I look on the app and it says 30 days past due and my credit report shows a delinquency. I tried emailing and calling on the phone but no response. Poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX made disbursements from my checking account that were not authorized. Returned 2 but would not give back the first one they said it was more than 60 days after. I have been trying to get them to handle this earlier than the 60 days. They told me they could not give me a tracking number as requested by citi and they to date have not given me any information as to where the XXXX went. They refused to give me any concrete information as to why they did disbursements and they stilll have not returned all they money back to 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 2019-04-05
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
OCWEN must be the worse mortgage servicer in the industry. We have tried to work with them for over a year to cure our delinquent mortgage payments, but we are just getting the runaround from them. They lose our documents, are hard to understand and denied our request for assistance because they can not get their process straight. We suffered through some serious financial trouble when natural disasters crippled  my husbands income and we had no choice, but to fall behind on our mortgage payments. We quickly recovered financially, but OCWEN has never attempted to work with us to get our loan current. They have never assigned a single point of contact and we continually are speaking with their representatives in XXXX. We can not understand them and their process has major problems. For over six months I sent them every document they want, but they say they never received the document and my file kept getting kicked out of review. When I finally got someone to look at my file, they advised that I already had on modification and there was nothing they could do. We have an FHA loan and I did get a modification in 2012, but I believe that HUD allows for a new modification every two years on home mortgages. We are certain that our FHA loan qualifies for mortgage assistance and want someone from your agency to get them to work with us to save our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have contacted the credit bureaus numerous times to delete the personal inaccurate names on my credit report. I submitted a copy of my driver 's license and social security card as well. Those inaccurate names still have not been deleted per my request. 

15 USC.s 2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Inaccurate names to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
please see attachments all XXXX credit reporting agencies failed to follow fcra rules and regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Loan Cabin Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Started refinance process XX/XX/2020. Loan officer XXXX XXXX ignored most emails and phone calls asking for interest rates and fees. Missed closing deadline by 4 months and counting. I have been told in writing every week since we would be closing within a few days. They have given me last conditions to close including closing my XXXX XXXX Home Equity Line of Credit. After completing this request, they ask for more documents, additional fees and to run my credit a second time. They have scheduled me for 5 notary meetings to sign the paperwork and then cancel one hour before the signing each time. 
I have proof in writing of multiple times a processor saying she completed something and it turning out to be a lie. 
I have email the XXXX XXXX XXXX on multiple occasions to escalate my complaint to compliance, only to have him block my email. 
Online searches reveal my problems are systemic with the company as many others have experienced similar issues.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Hey, this is XXXX im filing a complaint to dispute any problem that I did not do. My belongings got stolen and i been irritated, Im frustrated I been trying too open a bank it doesnt let me do to the problem with my XXXX XXXX about a year or 2 year ago my wallet got stolen and my phone I want to dispute the problem so I can open a bank account I work now and I cant even get direct deposit or apply for a debit card or make a checking account. I want to know if I can dispute my problem and be help, Im so frustrated about this. 
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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2019-07-22
Company: Texas Guaranteed
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I hav tried to repay the student loan on numerous occasions. The beginning loan totaled {$45000.00}, now they are asking {$78000.00}. I don't have kind of money, I'm on a small budget, I'm a XXXX   XXXX XXXX  widow since XXXX with no benefits. My complaint is the amount of the increase, the problems with lenders & servicers &  how many times this loan have been sold. First it was XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, now XXXX. I was scammed, XX/XX/XXXX by XXXX XXXX, ID # XXXX, @ XXXX XXXX so he said. The amount then XXXX said was {$47000.00}. XXXX said if I paid 3 payments : on XX/XX/XXXX, {$290.00} @ # @ XXXX ; XX/XX/XXXX, XXXX- {$290.00}, @ # XXXX, then XX/XX/XXXX, {$290.00} @ # XXXX. The phones numbers was where I could call if I could not make the payment. XXXX XXXX said, " after you make these 3 payments the remainder of the loan would be forgiven. After calling and no response. On Friday, XX/XX/XXXX @ XXXX XXXX   I received a call from XXXX XXXX  XXXX ( XXXX ) XXXX XXXX, then XXXX @ XXXX XXXX, said '' if I complete a 5 month payment plan of {$86.00}, then they would set me up on a repayment plan. '' I paid it, & I heard nothing until I received a call from XXXX, ( XXXX ) acct # XXXXsaying my account had been sold to XXXX  ( again ) is what the message said. Then I received a call from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) @ XXXX for a reduce or forgiveness Program. The message said to call ( XXXX ) from XXXX XXXX @ XXXX, REF. # XXXX then another call from ( XXXX ) from XXXX, REF. # XXXX to get a certification form loan forgiveness. I've received calls, text and emails. I don't know who to trust & it is so confusing that no one have a record of the money I have already paid. I received a letter from XXXX dated XX/XX/XXXX, that the current principal student loan is {$60000.00}, acct # XXXX. I have called or answered calls, when I give my name and acct. #, then you ask for my SS #, If you call me you should already have the rest, because I don't know if it is another scam. 
I've had problems dealing with lenders/servicers, lowering my payments, promising a forgiveness, & scams. I received a letter dated XX/XX/XXXX for Notice of Data Breach from XXXX, that happened between XX/XX/XXXX and XX/XX/XXXX. I was also notified 3 years ago for Notice of Data Breach. I don't know who to trust, but XXXX. This is very stressful, because of all the misleading and untrustworthiness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
XXXX has been not complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the account listed below was opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the account without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need this account blocked/removed from my credit file per FCRA. The account is as follow : XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX BANK OF AMERICA XXXX XXXX XXXX XXXX XX/XX/2013 Balance : {$2900.00}

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 2019-04-24
Company: Bread Financial Holdings, Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
In XXXX of XXXX I opened a credit card ( via XXXX XXXX XXXX XXXX XXXX XXXX ) with XXXX ( XXXX Credit card company ) with a credit line of {$4900.00}, I charged {$3900.00} to the card in XXXX of XXXX and paid this card in full in XXXX of XXXX as I sold a house towards the end of XX/XX/XXXX which is where this fireplace insert was installed. In XXXX of XXXX I got a letter from XXXX stating that I had access to use my card through XX/XX/XXXX and after that the card would be closed. I have been trying for 2 days now to make a purchase using this card and am being told 2-3 different stories depending on who we are speaking with. They  are stating I have not used the card in 2 years therefor they had to re-pull credit to be sure I was still worthy of using the card, which was then declined. Then they told me my card has been inactive since XXXX of XXXX, which CLEARLY not 2 years since it had activity on it ( which I was NEVER notified of or I would have used the card right away to keep it active ) It has NOT been 2 years since there was activity on the card, it has only been just over a year. Then we were told that there was a glitch in their computer system and the cards were mistakenly closed 2 days early and that the account has been activated and to go ahead and charge the card. We tried and it failed ... .we have been on the phone with XXXX for well over 2.5 hrs trying to get this resolved. My letter clearly states I have until tomorrow to use the card and they are denying me access to my already existing account. There has been a minimum of 6 phone calls to this company trying to resolve this issue.

Company response to consumer: Closed with explanation