BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
Hi, I saw late payment remarks on my credit report that I think is not possible, I pay on time.. Unless the bill did not arrived and I did not received it. Please help me remove this late remarks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2020 I tried to pay off my auto loan both online and over the phone. Chrysler Capital advised me in both channels that the only way to pay off my loan was to mail them a check. I am not comfortable sending such a large check via mail. I believe they are requiring checks via mail to discourage consumers from paying off their loans early. Surely in XX/XX/2020 sending large checks via the USPS is not the most secure means of transmitting payments, nor is it in the best interests of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: COAST PROFESSIONAL INC
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
an agreement was made to repay my son 's college loans, since then i had to retire and lost more than half my income, i have filled out paperwork three times. I have not been late or missed a payment, and since then they have more than raised the amount by more than double, i wrote them, with a payment explaining i could not pay any more at this time due to loss of income plus i need tires, i have no oven to cook on and my water heater needs to be replaced, the young man was kind enough to re-evaluate my situation and lowered my minimum payment to five dollars a month. I told him i would continue to pay the fifty dollars as i had been. since that time they start calling me as early as XXXX and after XXXX, i have told them arrangements have been made, but each person seems to feel they need to hash it all out again and again, as of yesterday, XXXX XXXX they called me four times, twice on my house phone and twice on the cell my son gave me for emergencies, EVERY time they let it ring one time then hang up. This morning when the phone rang i answered by saying, hello, then i counted to 3 before they hung up. Now i am having my second XXXX  this month and need to get them out because of recurring infections and with missing alot of sleep because of this, i DONOT this aggrevation. PLEASE HELP, they will not stop even though i have told them two times to STOP calling me.

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 2019-08-13
Company: PRIMARY RESIDENTIAL MORTGAGE
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX I applied for a XXXX FHA construction loan w/XXXX XXXX XXXX XXXX, to date, Ive provided ALL required docs within 36hrs. 
XX/XX/XXXX thru XX/XX/XXXX we are starting over again & again & again costing me for triplicates of bank statements & cancelled checks, doing duplicate appraisals, and more- all this due to the 9 months application period, the costs to me are horrendous & XXXX XXXX just started over again- HELP This application IS simple & straight forward! 
I earn XXXX from solid source I have XXXXmortgage I have XXXX XXXX in assets & I have NO DEBT XXXX speaks as-if its complex but it is not! 
I have an appraisal from XX/XX/XXXX, XXXX says its too old & a different appraiser-FHA RULES per XXXX. 
There is too much to list here! & still no loan, EVERYONE Mortgage people, insurance broker, & many more have said this is NOT NORMAL PROCESS I dont switch because it will hurt MY CREDIT SCORE! 

XXXX is hard to reach per other providers including underwriting ( when XXXX didnt send any of my required, provided data ) I really need help, this is an incredible financial hardship. Thank you XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: CITIBANK, N.A.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This complaint is not a duplicate tied to complaint XXXX. Dear CFBP I am filing a complaint against CBNA for failing to remove an unauthorized inquiry on my XXXX  credit report. I mailed and faxed them a letter nearly two months ago and they still have no responded. I am requesting that they remove this illegal unauthorized inquiry they made on XX/XX/2018 that had neither my permission or any permissible purpose under the Fair Credit Reporting Act. They did not provide a signed application as required under section 604 of the Fair Credit Reporting Act so an FTC identity theft report could be filed.

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 2019-08-13
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
When applying and subsequently being approved for my XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, I opted into an " Easy renewal '' program or feature of the card. It was disclosed to me in the terms and conditions of the card that enrollment in the program would offer an annual {$10.00} discount on the XXXX XXXX membership. I have not received this discount. Upon initial inquiry in XX/XX/XXXX, I would told that the program takes a full calendar year to go into effect. I inquired again this year prior to my XXXX 's membership renewal and was told that the program was discontinued on XX/XX/XXXX. This was never disclosed by the business. I am attached part of the terms and conditions furnished by the business in person at its XXXX XXXX, NJ location. Please see highlights on page three. The business has subsequently failed to remedy this issue or comment as to why or how it provided false terms and conditions and further place me on proper notice of the program change.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I visited XXXX XXXX XXXX located at XXXX XXXX XXXX  XXXX XXXX, XXXX, FL XXXX ( ( XXXX ) XXXX. I assisted by sales person XXXX XXXX and the so call Financial Manager XXXX XXXX. I asked Mr. XXXX, how many times my credit would be ran, since I am in the process of purchasing a home and also have id theft on my account. He said your credit would only be run one time. I trusted this manager and now I now is a scam and he lied to me. I have so many credit inquiries on all the three credit reporting agencies and it hurting my credit a lot. I demand they remove all the inquiries and only leave one, as they said. My credit was ran at the following places on different days and the worst part is they ran my credit just a few days apart. 
XXXX XXXX Auto Finance  XX/XX/2019 XXXX Auto Dealer Finance XX/XX/2019 XXXX/XXXX XXXX   XXXX XXXX XXXX XX/XX/2019 AND XX/XX/2019 XXXX AUTO FINANCE ON XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 AND XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX DEALER XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 This dealer does not know what they are doing. They are so greedy to sell a car and they do not care how this affects your credit. I told them what was going on with my credit situation. I forewarned and yet they failed to deliver what was said, not to run my credit more than once. I need this to be removed ASAP, since I will be applying for a mortgage within next 60 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 2020-11-19
Company: Fidelity National Information Services, Inc. (FNIS)
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I HAVE TRIED NUMEROUS OF TIMES TO GAIN INFORMATION ON A TD ACCOUNT THAT I NEVER OPENDED. THIS ACCOUNT IS STOPPING ME FROM OPENING ANY ACCOUNTS. THIS ACCOUNT IS NOT MINE.

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 2017-08-07
Company: Experian Information Solutions Inc.
State: NC
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:
I canceled my credit card with XXXX XXXX XXXX over the phone the first week of XX/XX/XXXX and paid the last payment of {$8.00} on XX/XX/XXXX because I no longer needed to pay a monthly fee for a substandard {$2500.00} limit credit card since my credit score was over XXXX and I have several other no-fee cards with limits over XXXX At the time I assumed that the operator I spoke with did their job and no further interaction was needed, and had received no further contact or statements from them after that last payment was made ... ... A few months later in XX/XX/XXXX I went to check on my credit score and found that it was XXXX so I investigated and found out that XXXX XXXX had not closed my account and instead had kept charging me monthly fees on top of late fees for those fees and had been reporting this information to the top 3 reporting agencies without even contacting me to resolve the problem, so I immediately went to their website to get all the attached documents and contacted them XX/XX/XXXX and explained the situation to about 5 different people who did n't speak good english over the course of 5 hours and after threat of a lawsuit was finally was able to get the charges removed and once and for all cancel the card ... However they are still reporting this as a delinquent account for the roughly 3 months in between and claim that they have no control over reporting that information ... I have also disputed this with the 3 major credit reporting agencies and it is still not getting corrected properly ... I take great pride in my credit score and payment history and neither should suffer due to their incompetence ...

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 2019-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have been diligently working with Kohls/CapOne to increase my Kohls credit card limit for the last 5 months. Each month I receive the same run around with them claiming they can not access my credit reports. They claim they are locked, have fraud alerts and so on. They have had me contact XXXX, XXXX and XXXX on multiple occasions. Each time I do, the credit bureaus inform me the problem is not on their end. Certified letters have changed hands and multiple supervisors/managers have been consulted. The credit department at Kohls has been anything but helpful. They always tell me it is not their fault and it's all computer generated. I have had enough of their run around. So today, XX/XX/2019 I call because I received another letter from them telling me to call to verify additional information so they could process my request. This letter comes a couple times a month and always results in me spending hours on the phone with countless people who have no idea or desire to do their job. Today was spent talking with XXXX and then her Manager XXXX in the credit department at Kohls. XXXX states he has been with Kohls for 13 years and has never seen anything like this before. XXXX could not seem to understand that XXXX shows that Kohls/CapOne obtained a full credit report on XX/XX/2019, some 11 days ago. XXXX did not see that in his system and XXXX was unwilling to accept that I was tell him the truth, despite my willingness to send him the screenshots from XXXX via email. XXXX is a XXXX who lacks passion for his job. XXXX is the reason I am finally escalating this issue to CFPB. Please help me force Kohls/CapOne to do their job and properly process my credit limit increase request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Experian Information Solutions Inc.
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:
This is not 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 2017-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I canceled my credit card with XXXX XXXX XXXX over the phone the first week of X/2017 and paid the last payment of {$8.00} on X/XX/2017 because I no longer needed to pay a monthly fee for a substandard {$2500.00} limit credit card since my credit score was over XXXX and I have several other no-fee cards with limits over XXXX.. At the time I assumed that the operator I spoke with did their job and no further interaction was needed, and had received no further contact or statements from them after that last payment was made ... ... A few months later in XX/XX/XXXX I went to check on my credit score and found that it was XXXX so I investigated and found out that XXXX XXXX had not closed my account and instead had kept charging me monthly fees on top of late fees for those fees and had been reporting this information to the top 3 reporting agencies without even contacting me to resolve the problem, so I immediately went to their website to get all the attached documents and contacted them XXXX XXXX/2017 and explained the situation to about 5 different people who did n't speak good english over the course of 5 hours and after threat of a lawsuit was finally was able to get the charges removed and once and for all cancel the card ... However they are still reporting this as a delinquent account for the roughly 3 months in between and claim that they have no control over reporting thatinformation ... I have also disputed this with the 3 major credit reporting agencies and it is still not getting corrected properly ... I take great pride in my credit score and payment history and neither  should suffer due to their incompetence ...

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 2020-09-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX I had severe hail damage to my residence. Select Portfolio had placed hazard insurance on the property through XXXX XXXX XXXX XXXX. Because of financial restraints I did not have the funds needed to go along with payment of repairs. Finally in XXXX I was able to complete the repairs. I contacted a roofing company and had the correct paperwork drafted and signed and submitted the paperwork through XXXX. I submitted the required documents and resubmitted documents that had errors on them. I was assigned an insurance claim check tracking number initially of XXXX. After submitting the proper paperwork, an initial check in the amount of {$1900.00} was sent to me. The check had my name and the name of the roofing company on it. I endorsed the check and gave it to the roofer. The roofer completed 50 % of the repairs as stipulated by the terms of the claim which required the replacement of the roof. The other remaining work that needs to be completed is siding replacement. As instructed by the roofer, I contacted XXXX and spoke with a representative to request an inspection. This is when the runaround began as the representative that I spoke with said that they ( Select Portfolio Servicing ) had no record of the check ever being received. For over a month I have been calling and speaking to several people to get a understanding of what was going on. On XX/XX/XXXX I spoke with someone by the name of XXXX. This representative stated that Select Portfolio decided to apply the funds from the insurance claim to my mortgage account because they had not heard from me. I was also informed that a check for the amount of {$1800.00} was sent to someone named XXXX XXXX. This person never did any repairs to the home. I have had to file bankruptcy and of all the paperwork that I recall seeing 'does not show any indication of the application of insurance funds for my damaged home to my account. My current bankruptcy status includes me making payments for all delinquent amounts as they relate to my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
Received a letter date XXXX from Bank of America stating they were working on an application for the Bank of America Rewards Visa Signature card and needed to verify information. They gave a contact phone number as well as contact information for XXXX. I contacted XXXX  and requested they put a fraud alert on my account my bank debit card had been compromised in XXXX. I was issued a new card and the fraudulent charges to my bank account were reversed. 

Please note I am reporting this as possible attempt to steal my identity based on the debit card incident. I have never banked with Bank of America nor have I ever requested any type of charge card from that institution. I will be making a police report on XXXX as well and filing that with 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 2021-08-10
Company: Experian Information Solutions Inc.
State: PA
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:
I have been reaching out to Experian concerning to previous complaint about the inaccuracy being reported on my report. However, Experian have failed to provide me any feedback and updates with regards to my concerns. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please see the following list of the inaccuracies I found on my report : XXXX ( Original Creditor : XXXX XXXX ) XXXX-Balance : {$2400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX-Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX. XXXX. XXXX XXXX XXXX-Balance : {$370.00} XXXX XXXX ( Original Creditor : XXXX XXXX. XXXX. XXXX XXXX XXXX-Balance : {$370.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX-Balance : {$1000.00}

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 non-monetary relief
Consumer complaint received 2017-08-07
Company: Shellpoint Partners, LLC
State: TN
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Shellpoint Mortgage Servicing handles my 2nd mortgage payment of {$140.00}. I called them XX/XX/XXXX to inform them that I had overpaid this debt and wanted to settle it as " Paid In Full ''. The reason for the call was that I no longer had income and had lost my employment on XX/XX/XXXX. Between the XX/XX/XXXX and XX/XX/XXXX, I took the time to read over the Servicing agreement I had established with XXXX in XX/XX/XXXX. Upon adding up the total payments, they totaled over {$23000.00}. The original note was {$15000.00}. XX/XX/XXXX, XXXX modified the loan and reduced the payments from {$200.00} to {$140.00}. Following that reduction, I filed Chapter XXXX and DID NOT include XXXX in the bankruptcy. The XXXX debt was " Reaffirmed '' ( XX/XX/XXXX ) since I wanted to keep my primary resident. The {$140.00} was made to XXXX until XX/XX/XXXX. At that time, I received a letter dated XX/XX/XXXX stating that the Servicing has been transferred from XXXX to XXXX XXXX  XXXX. XXXX is Shellpoint Mortgage Servicing. The notice also stated " The transfer, assignment or sale did not affect the terms '' According to Shellpoint, I owe {$7200.00}. Upon the transfer, Shellpoint claims the balance was {$13000.00}. From XX/XX/XXXX-XX/XX/XXXX, I paid {$200.00} monthly and most of that in a timely manner. {$6200.00} minimum. Of which I paid {$5100.00} of interest during that period. From XX/XX/XXXX til XXXX letter XX/XX/XXXX, I paid XXXX over {$10000.00} From XX/XX/XXXX til XX/XX/XXXX, I 've paid XXXX/Shellpoint over {$6100.00}. If you include the Originating date XX/XX/XXXX-XX/XX/XXXX, that 's another {$6200.00} to add. Total payments to XXXX/Shellpoint. {$23000.00}. This amount does not include payments above the minimum required. Please note : This loan was modified to zero ( 0 ) interest. Also, in my research, I 've found that there is a class action suit against Shellpoint for this same issue of collecting more than what 's due. Shellpoint sent a letter dated XX/XX/XXXX after I ask for a payment history which stated I owe them {$7200.00}. Shellpoint keeps insisting that the loan was discharged through Chapter XXXX. Which is not true. This loan was " ReAffirmed ''. Because it was modified before I filed Chapter XXXX. Upon calling Shellpoint, they insist that the payments went to Bankruptcy court and I continue to tell them " You do n't make payments to court under a ChapterXXXX. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation