BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-20
Company: The Outsource Group, Inc
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received a robot call from this company stating to call them back. Called them back and they refused to give me the information after I identified myself. Told them to stop calling and called again.

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 2020-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called and wrote a letter disputing late fees and interest in the amount of {$28.00} charged in my XX/XX/XXXX-XX/XX/2020 statement. Full payment in the amount of {$37.00} was sent via electronic funds transfer on XXXX XXXX prior to te due date and in a timely manner. The previous month full payment in the amount of {$400.00} was sent in XX/XX/2020 and no late fee or interest was charged. When I called I was given the run around and they would not remedy the problem. I then wrote a letter dated XX/XX/2020 and as of this date have received no response. I checked with my bank and was informed that the dates of payments for both months were correct.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-08
Company: FIRSTBANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX was offering a XXXX dollar promotional credit upon opening a new checking account and receiving a XXXX dollar direct deposit. The credit was issued upon completion of this direct deposit but was later rescinded. After another XXXX dollar qualifying direct deposit from the same originating financial institution as the first one was received XXXX refused to re-credit the account with the XXXX dollar. They constantly bent the rules and kept referencing different rules etc. The requirements were met but XXXX wont make good on their offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-05
Company: BSI Financial Holdings, Inc.
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Refinance Fraud, Loan Modification Fraud, and Insurance Packing letter sent requesting info XX/XX/2021 mortgage loan research XXXX XX/XX/2021 XXXX XXXX {$15000.00} BSI Financial Services {$17000.00} XXXX XXXX XXXX XXXX amount due unknown XXXX XXXX XXXX XXXX amount due to unknown flooding my mailbox with mail and uncertified threats no notice letters for loan transfers

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have send transunion several letters disputing inquiries that I did not authorize for the following companies. 1. XXXX XXXX XXXX-XX/XX/XXXX. 2. XXXX-XX/XX/XXXX. 3. XXXX/XXXX XXXX-XX/XX/XXXX 4. XXXX/XXXX-XX/XX/XXXX. 5. XXXX/XXXX-XX/XX/XXXX. The last letter I send certified with return receipt and they have ignored my letters and disputes. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681 b ( c ) and serious breech of my privacy rights. Transunion has failed to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry in the absence of any such documentation bearing my signature. I requested the fraudulent inquiries be immediately deleted from the credit file that is maintained under my social security number.

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 2017-12-08
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX/XX/XX/XXXX my mortgage payments were being delayed due to a changed of my income and household finance. I notified my mortgage company XXXX XXXX and asked if I could qualify for a hardship help. I received the papers in the mail and immediately faxed them back to the person who was assisting me XXXX XXXX XXXX. XXXX XXXX told me that my paperwork was submitted and that he would let me know what the outcome would be. I received a call around the end of XX/XX/XXXX, and I spoke to a XXXX XXXX XXXX, he explain to me that he is the new person on my case that will be helping me in my modification and that somehow XXXX XXXX has misplaced all of my documents. XXXX XXXX stated in order for me to be consider the committee said I must complete the documents over again, and so I did. So XX/XX/XXXX I faxed all the documents that was requested in to XXXX XXXX all that I did not faxed I email to him and was waiting on his response. A week later XX/XX/XXXX, XXXX XXXX stated that the documents were missing and some were expired, he also stated that I had a certain amount of days to get those documents in and I did. XX/XX/XXXX in the first week came and I received a call from XXXX XXXX and again he stated that he not yet to receive the documents that I faxed to him and my filed has been on hold because of this matter. By this time I am upset because I feel as if someone is not being truthful to me because I know I have sent the required documents several times and I am being brushed off. On XX/XX/XXXX, I received a call from XXXX XXXX XXXX and again the documents were not in, and most of them were expired, I were just shocked. So I expressed my concerned about this issue and said that " XXXX XXXX has a history of taking property from people that has problems making payments '', and I stated that I am going to talk to someone and get some help with the Better Business Bureau or the Federal Trade Commissioners office and when I made that statement XXXX XXXX became very upset with me and reassured me that this is not the issue. On XX/XX/XXXX, I received in the mail a notice that my home was being foreclosed and it was filed on XX/XX/XXXX. I felt as if the mortgage company did that because of my threat to report them of their unfair practice. I have enough equity to refinance or take a second loan out but I was not giving that option at all or consider that option at all. I have documents to back up the dates what was sent to each of the representatives that was fax and time, date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I filed a CFPB complaint earlier this year because Fed Loan Servicing changed my payment plan doubling my monthly payment when I had not requested a change. This dispute was resolved, but I recently found out that Fed Loan Servicing has taken away loan forgiveness credit for several payment that I made while employed as a public school teacher. I made three payments of XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which was almost double what I should have been paying due to their mistakes, but I was not given credit for Public Service Loan Forgiveness because Fed Loan retroactively and fraudulently changed the dates and amounts of the payments that I made. They also denied credit for other payments due to their " cooking of the books '' for lack of a better phrase. The payments reflected on their website in my account do not match the payments that they received from me through XXXX XXXX XXXX XXXX account details will be attached ). I want my public service loan credit. My account was not in any type of forbearance when I made these payments as their employee XXXX ( # XXXX ) says. Please look into this matter. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Dear Sir, I have a Wells Fargo XXXX XXXX XXXX XXXX that I use on a daily basis. 
I always make my payment on time with my account, but during the pandemic, I am struggling to make my payment on time but I do my full payment with some extra. 

In my XXXX statement, I made a payment of XXXX and call well fargo to waive the late fee of XXXX they didn't, they refused to. 

In my movement statement wells fargo charge me another late fee of XXXX and I asked wells fargo to waive the late fee but they refused. 

I was late twice on my payment and my credit card charge me a late fee of {$74.00} that is two late fees of XXXX each. I reach out to the credit card and explain that I made my payment on time but due to the pandemic I was a day late with my payment and I changed some late fees. During this hard time, I strongly believe Wells Fargo should waive or pardoned the late fee, I call to explain my situation but they did wave my late fee. 

I made my payment but I just want to be credit for the late fee. 
I am not asking for suspense in my account or for forbearance. I just want the late fee to be a wave. I struggle but I pay my bills a day late and late fees should not be charged during this hard time. 

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 monetary relief
Consumer complaint received 2019-01-29
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
LOANCARE bought our loan XX/XX/XXXX. 
They have sent out paperwork saying we owe our monthly amount PLUS PMI. They ADDED PMI back to our loan. 
PMI was removed by previous XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

Emails have been sent. Phone calls on hold OVER ONE HOUR have been placed. Not contact is easy with this company. And after looking online at the company- of which we had no choice in taking our loan- has hundreds of cases like this. Tax numbers being wrong. Escrow accounts withholding and not paying out excess, etc. 
PLEASE REVIEW THIS COMPANY The idea of stressfully dealing with escrow every year or incorrect tax information EVERY year with these people make my physically sick with worry. They should not have this much power unchecked.

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 2019-08-25
Company: ASSOCIATED BANC-CORP
State: WI
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:
I contacted what I thought was XXXX customer service # XXXX to see why I was having a charge taken out of my checking account when I do not have XXXX XXXX. They identified themselves as an XXXX representative and said there was a XXXX XXXX that was ordered and set or delivery for the amount of XXXX. They said my account had been hacked and we needed to set up a dummy account to fix the issue. They remotely logged into my laptop and tried to fix the dual hacking.At some point I was called back by phone # XXXX. After a bit they said they needed a pin # from a XXXX XXXX gift card to fix the issue. They put what I thought was XXXX into my checking account to purchase the gift card. This happened 3 more occassions when they needed to get another pin and run it to fix the hacker. When I was at the store, they transferred money out of another checking account making it appear they were inserting the funds in the account. They also purchased 2 XXXX cards against my checking account through a XXXX XXXX account. One amount for {$100.00}, XXXX. These invoices will be enclosed with a site of purchase called XXXX XXXX. I also received emails from XXXX   XXXX stating the account was upgraded. The account was closed through XXXX  XXXX, XXXX and my Financial institution. In all these hackers got XXXX of my money through gift cards and then the two charges for the XXXX gift cards. The next day I received a text message from # XXXX stating we missed your call and to call them back for the refund pending under my name. I did not call back and blocked them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 sent in documents 3 time to trans union On Account information disputed by consumer, meets FCRA requirements. I've told them I need written Proof of verification. Documentation from the 3rd party proving this is my count. FCRA they have to provide original documentation if they can not provide those by federal has to be removed off. I was a victim of identity theft.I filed a police report and FTC report by federal law this has to be removed off. That why I'm also filed a complaint with CFPB. I have provided you the documentation showing you this is a fragilite count that does not belong to me. 
My next step will be filing a XXXX  report against Tran Union and a lawsuit. 

FTC report number XXXX and 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 explanation
Consumer complaint received 2019-08-25
Company: Experian Information Solutions Inc.
State: AZ
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 Account information disputed by consumer, meets FCRA requirements. I need written Proof of verification. Documentation from the 3rd party proving this is my count. FCRA they have to provide original documentation if they can not provide those by federal has to be removed off. I was a victim of identity theft.I filed a police report and FTC report by federal law this has to be removed off. I've also filed a complaint with CFPB. I have provided you the documentation showing you this is a fragilite count that does not belong to me. 
My next step will be filing a XXXX report and a lawsuit.

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 2021-04-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
i went into XXXX to access my credit report online. I received an error message from both XXXX  and Equifax indicating that they could not issue my credit report online. I entered my information correctly for both agencies on XXXX. Both agencies have not given me any answers as to why I'm unable to access my credit report online. Both agencies have not given me any solutions to help me access my credit report online from XXXX. I have not been given any solutions from XXXX as to how to rectify the situation to help me access my credit report online at XXXX. I am not interested in receiving a paper version of my credit report. I am entitled to access my credit report online from annualcredit.com and by law and XXXX, Equifax and XXXX are violating the law by not allowing me to access my credit report online from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Netspend Corporation
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have utilized NetSpend Prepaid Card for approximately 6 years or more. In the time that I have had them, I was sent a NetSpend Premier Card in the mail. The terms for switching to the " new premier card '' as opposed to remaining with the original were supposed to be more flexible. I was supposed to be permitted to overdraw upto XXXX dollars. At occasions in which I truly needed the money, the card was declined numerous times in XXXX and XXXX. That particular cardholder benefit was not provided to me as advertised. Additionally, I was supposed to pay less in monthly fees. I was not assessed less fees. I have maintained direct deposit the entire time that I have been a NetSpend cardholder. While my direct deposit is consistent on specific days of the month, the date at which NetSpend collects the fees is not. It is sporadic and unpredicatable.

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 2019-08-26
Company: JPMORGAN CHASE & CO.
State: PA
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:
I recently applied for a Chase Credit card account and I was approved. I have a great credit report. After a few days of having my account opened, Chase closed my credit card account without letting me know, not even a phone call telling me why they made that decision. I received a letter from the bank today and the reasons they are giving me why they closed my account is because " too many requests fro credit or reviews of credit ''. I just read about it and it looks like they don't like customers to apply for too many credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I used my HSBC credit card to purchase airline tickets. I had contacted the merchant initially when I was billed twice on my credit card for an airline reservation booking. The merchant stated that i would be granted a refund within 45 days. I waited nearly 60 days and never received a credit. I contacted HSBC Credit card and they advised me that they would put it in dispute. They erroneously cancelled the wrong reservation and left me and my young family stranded in a foreign country. Fortunately, I was able to get us home by repurchasing the tickets, albeit, at 3 times the price. I contacted HSBC to rectify the matter. All the chaos and fiasco aside i would be willing to pay for the original tickets as purchased but HSBC argues that I should be held responsible and forced to pay for the tickets which had to be purchased due to their improper procedures in handling of the chargeback. I have tried multiple times to contact HSBC. I have provided evidence and even have letters from them in which they show conflicting evidence of which transaction they were charging back. The last supervisor who i spoke to gave me the following advice the next time i have an issue : He stated that the next time i have a problem, and am able to get a hold of the merchant that i should NOT involve the credit card company. I was appalled and shocked as this is normally one of the benefits to using a credit card. I told him the same and advised that i wanted to speak to another supervisor. I was told one would be in contact with me within 24-48 hours. It has now been over 1 week.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: EQUIFAX, INC.
State: NJ
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:
All three of the consumer reporting agencies XXXX, XXXX, and Equifax has been reporting late payment for my credit card with XXXX XXXX. I reached out to all three agencies and all of them gave me the same generic response that the late payment is reporting correctly after their investigation which is not correct. This led me to believe that they are just using an automated system to reply to letters to consumers. This is unacceptable and frustrating. They are not a government agency and I never gave them permission to gather any data on me, why am I jumping through all these hoops for them to correct an error reporting on my consumer reports? I reached out to XXXX XXXXXXXX myself, they stated that I have never been late on my account. I am attaching a copy of my statement for the period listed as late on my consumer reports as proof that I was not late. Because of this, Ive been denied credit and given a higher interest rate on a loan that I applied to. I am demanding that this is corrected right away before this issue is brought up in federal court to exercise my rights under the FCRA which I will be sure to demand the maximum remedy for each violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
My name is XXXX XXXX and I have been trying to correct some errors that were reporting on my credit file. In the process I had helped my daughter get into an apartment. When she moved there was money owed. The first thing I did was contact the apartment complex management company and paid the debt. I don't know if the issues is with the XXXX XXXX XXXX or the XXXX XXXX but the point is there should be nothing owed to the company for this apartment and it should not be listed on my credit 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