BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-22
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Company continues to request a full year of school taxes which violates the law which says they can request a maximum of 2 months. Taxes were confirmed paid on XX/XX/XXXX by current lender and it shows clearly that they are not due until at least XX/XX/XXXX. There have been many instances through the process where they have not completed their due diligence and generated documents with inaccurate numbers and have attempted to charge me fees for the loan being delayed when I have submitted everything on time. Their last set of closing documents come one day after a disclosure that showed I did it need to pay the school taxes in whole. Yesterday, the closing documents showed I needed an additional XXXX for the already paid school taxes. Their solution was that I should finance those - which is not lost on me that they would collect on the interest of that, while I clearly do not have to even pay them as I have a year before they are due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
This is a follow-up of complaint XXXX that is still in process. I was called by B of A a couple of times about closing this account. The last time they called a day or so ago, I asked why this account was not being closed. The lady told me and I quote " we are investigating the back end ''. I have no idea what that means and she could not explain it to me when I asked. Every other credit card and banking account have been closed for some time with no issues but for some reason, this is taking a month now and still not resolved. Who else can I submit a formal complaint to? Are there banking regulatory entities that I can complaint to. This is absolutely nuts and I would like to pursue the reasoning behind no closing an account when requested. There is no " back end '' as my Mom is dead and that is why the account is being closed. She died XX/XX/XXXX and this account is still open.

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 2020-05-11
Company: WELLS FARGO & COMPANY
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Original loan with Wells Fargo Auto was purchase of Certified Pre-Owned XXXX XXXX from XXXX, AZ dealer XXXX XX/XX/XXXX. The loan has been paid monthly since purchase usuall several days before due date the first of each month. In addition, Three pre-payments were made totaling {$7000.00} In a former complaint, I went on-line to WFA web and started a re-finance application in XX/XX/XXXX. I did not complete the application and closed the WFA web site believing an incomplete application would be rejected. Shortly after, I learned WFA underwrote the incomplete application. However, since I never gave permission for WFA to access my credit information, I believe their access to my credit history was illegal. Between XX/XX/XXXX and XX/XX/XXXX I had contact with WFA Office of the President and the issue was finally addressed. 
The week of XX/XX/XXXX, I contacted WFA and inquired about re-financing the loan assuming interest rates would be more favourable. 
I was informed WFA had made the decision in XX/XX/XXXX not to accept any applications to re-finance auto loans even though they are the original company that extended the loan to me. 
The reason given, " due to the current Corona Virus problems. 
Although not illegal I suspect, to refuse to allow me or any other clients to take advantage of lower consumer finance rates should not be allowed and/or WFA should be prohibited from offering consumer loans to the general public. 
I also suspect, the decision not to accept applications for re-financing customer loans in good standing was not publicly announced to the general public in order to escape further damage to the reputation of Wells Fargo Bank. Either the company is in the business of consumer loans or they are not.

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 2018-11-08
Company: AMERICAN EXPRESS COMPANY
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I transferred {$220.00} to my sub account and another {$220.00} was taken out of my account and there was no transaction or anything it just disappeared. After spending 2 hours on the phone with different reps and having them add up all of my transactions one rep finally called someone else and I was then told that it was a known issue and they will open up a ticket

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hi, I'm XXXX years old and I own a business so I realized I needed to get a credit card in order to start building my credit. I also work a 9-5 job as well. I was using my capital one secured credit card as normal and had put my account and routing number. Here 's where the problem occurred. When i mobile deposit my checks from work it gives me routing and account number. I thought that that was MY bank account numbers but it turns out it was my jobs bank account. Therefore, i put my works bank account as the payment method without knowing, put some monthly charges, hid my card, and didn't look at it for a while because i knew i had a recurring charge and was set up automatic payment. Everything was going smoothly and I was making my payments as normal. After about 3 months or so of having the card, I opened up the capital one app and realized my account was closed. I was extremely worried and confused because I know closed accounts are not good and this was very hard to get approved for. it turns out my works bank account managers saw these credit card payments and decided to return all the payments. Capital one obviously does not like this and closed my account for violating terms of service under " returned payments ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Money was taken out of my account fraudulently and Bank of America right away closed the claim and said I was trying to fraud them. I have seen on the news that peoples debit card information has been getting hacked and Bank of America just closes the case and doesnt believe the consumer. I called to reopen the case and they will not even give me temporary cash, this is not my fault I was the victim of identity theft and it seems as they do not care to help. I am struggling my family depends on this money I receive from unemployment.

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 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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 2018-11-08
Company: Experian Information Solutions 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:
The continue to report information on my credit report that is not mine. ( Identity theft ). They responded to my request for validation as { account verified ) but did not send me any information verifying the debt. I requested an original contract or any information that they could send me proving that the account belonged to me, and not just bared my name. I am a victim of identity theft. They continue to report collection account that is not mine. I have sent them multiple requests to validate these accounts and send me verification of it, yet they choose not to. They send letters saying the debt has been verified by a collection agency as being mine, but IT IS NOT MINE. The collection agency is XXXX XXXX as well as 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 2020-08-25
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm not familiar with this a account XXXX XXXX # XXXX, please provide method of verification and validation of debt as I did not receive notice to dispute this information. Also, I have sent Certified mail to this company and received no response. As this company is no longer in business as well. 

Please Deleted ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I went to the grocery store and my debit card was declined. I checked my account online and discovered {$1100.00} was withdrawn from my account. I contacted PNC Bank customer service on XX/XX/XXXX and was advised that it looks like the bank teller located in a different state, Pennsylvania, I am in XXXX, entered in the wrong account number when doing a withdrawal for a different account holder and the money came out of my account instead of the other person. I was advised that the department that handles this is currently closed since it was the weekend and to call back on Monday morning at XXXX. On Monday, XX/XX/XXXX, XX/XX/XXXX, I called back on Monday and had to explain to the next agent what was going on with my file and then I was advised that since the funds were still pending, I would have to call back on Tuesday to actually dispute the withdrawal. I called back on Tuesday, XX/XX/XXXX, XX/XX/XXXX and after I explained AGAIN what happened on my file, I was advised only a supervisor could issue the immediate credit and was placed on hold to speak to a supervisor. The supervisor gets on the line and advises me that there was no notes on my file so I needed to explain what happened AGAIN. After I explained, the supervisor advises me she just needed to contact the branch to get the information to reverse the withdrawal. After placing me on hold for 10 minutes, the supervisor advises me that she cant reverse the withdrawal and that now I have to wait until it is investigated for it to be reversed. The supervisor advised me that she didnt know how long the investigation would take so I basically have to wait with my account overdrawn, overdraft fees and no access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt was not owe. They continue to put on my credit report using different agencies and amounts. This debt had been removed several time but some how they keep putting back on the reports using different agencies and amounts.

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 2018-11-08
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I think that this school tried to attack me. 1. I did not qualify for the school. The requirement is a XXXX SAT when I only had a XXXX. 
2. I failed the placement test miserably and got no questions right. 
3. I could not afford first semester and my parents couldnt give me one cent so the school offered to waive some of it so I can start first semester. 
4. The school could not place a hold on the tuition because I had no money to purchase a hold on the tuition so the tuition will not increase each year. 
I think they hurt me by preventing me from city schools or other city assistance. They did not start my first semester in any kind of XXXX level. The school only would give me XXXX XXXX degrees. The school prevented me from increasing my XXXX  levels and did not offer options to gain XXXX skills to reach XXXX levels. The school limited my options towards success forcing me to only pursue XXXX using XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
This happened during the night of XX/XX/2018 on the website store of XXXX XXXX XXXX/ So I tried to purchase the XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX using the XXXX code to knock off 40 % from the full price of {$390.00} down to {$230.00}. At the shopping bag page, there was a promo advertising that if I opened a XXXX XXXX credit card that another 25 % off would be applied to the purchase, bringing down the final price lower to {$170.00}. So I opened a XXXX XXXX credit card account, and took the subsequent credit score hit from the inquiry. 

Once I tried to checkout though, the 25 % promo would not apply. So I called their customer service line and I was informed that, even though it was clearly advertised on their website in the shopping bag before checkout, that they would not honor this promo. 

I am attaching a screenshot of the shopping bag page that was shown to me during my transaction. Please forgive the added text for emphasis as this is the same screenshot I sent them via email to emphasize their misleading promotion.

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 2018-06-19
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I don't remember apply for Citi Double Cash Card in my name on XX/XX/2018. I have filing dispute case to XXXX  and XXXX online today. I have not proof of someone uses my private information and email, too. Also sent spoof email address to XXXX today about this serious issues.

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 2018-11-08
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XXXX from Midland XXXX called early XX/XX/2018 at my place of employment and I told him to never call me at work again. 

Today, XX/XX/2018 XXXX has called me again at my place of employment. I again told him to never call me at work again and hung up. 

I have never used them before and I certainly would never use them to begin with. I have not received any notifications by mail that I owe them anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-08
Company: Protocol Recovery Service, 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: Old information reappears or never goes away

Complaint:
Profilo recovery XXXX XXXX pay off credit cards From XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Are all pay and close

Company response to consumer: Untimely response
Consumer complaint received 2018-11-08
Company: Equitable Acceptance Corp
State: ID
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:
XX/XX/XXXX I spoke with a representative of Equitable Student Loan Solution and was informed that this company would help in the Student Loan Forgiveness Program. Other family members and I were told that a discount would be applied for those who work with the government. Also, payments of {$49.00} would come out of my account monthly. On XX/XX/XXXX, I was informed by a representative of the Student Loans Processing department at XXXX that I was " not able to cancel out of the program because your contract was approved. '' The paperwork that was completed for the transfer of the student loans is what Equitable said the payment was for, which was transferred to XXXX. XX/XX/XXXX XXXX was paid in full, {$1300.00} ( Subsidized ) and {$1200.00} ( Unsubsidized ). Equitable Acceptance Corporation ( the first company to say payments would be made to them, but considered the third party company ) was paid ( {$1600.00} ) in full on XX/XX/XXXX. If I did not pay Equitable it would ruin my credit according to their employees because the paperwork was processed and I had to pay for the work that was completed by them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Experian Information Solutions Inc.
State: AR
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 the app XXXX XXXX  to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.

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 2022-08-25
Company: Navient Solutions, LLC.
State: AZ
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:
I filed XXXX  XXXX XXXX in 2014, included Sallie Mae student loans ( Notice to Creditors Certification attached ). 

I requested an Adversary Proceeding due to student loans causing undue hardship. Sallie Mae was properly notified, means test was performed and Federal Trustee and Judge approved student loans to be discharged ( Final Trustee Report attached. ) I have been trying to get Sallie Mae, Navient and now XXXX to recognize a FEDERAL COURT ORDER and discharge these loans and remove all negative history from credit reports. I have never been able to buy a home for my family and have suffered tremendously from their inaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: Volvo Car Financial Services U.S., LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On XX/XX/2019, unbeknowest to the customer ( Leasee ), the dealership ( Leasor ) changed the money factor from the agreed upon rate to a much higher rate and hid the change within the sales contract ( as it was not visble on the same ). Additionally, the Leasor also charged the Leasee for a nearly {$1200.00} 'Pre-Paid Maintenance ' plan by including and hiding it in the total capitlized cost of the vehicle without properly disclosing or getting the Leasee 's approval to do so. As a result, the Leasee is paying higher monthly lease payments due to the fraudulently increased capitalized cost and money factor/interest rate resulting in higher rent charges throughout the duration of the lease term. The Leasee has attempted to contact the Leasor on multiple occasions in an attempt to resolve the issue but the Leasor has failed to respond. It's the Leasee 's position that the Leasor performs the alleged conduct regularly in their day-to-day business practice when the Leasor modify money-factor rate and charges for hidden and unapproved service agreements to the benefit of the Leasor without the Leasee 's knowledge or consent.

Company response to consumer: Closed with explanation