BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
I have a Capitol One pre-paid cc that I have had for about a year. I have a security of {$500.00} on the card. I called onXX/XX/2019 to close the card. The rep let me know that within a week I would be sent a check of my credit less the amount of the balance on the card ... which is about XXXX ... 
I waited till the end ofXX/XX/XXXX, called the company and they said they have a " delay in the system '' that I needed to call back in a week to see if the check was sent. I called todayXX/XX/XXXX and was placed on hold, was told I still have a balance of XXXX $ and that they have a " delay in the system ''. Once again was told by the rep XXXX that I should call back on Saturday XX/XX/XXXX to see if the check for my balance was sent. 
I am very upset that this company tells me that my account was closed almost a month ago and they still are holding my money. It sounds like they are having problems with multiple delays and someone should look into this ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 is an inquiry on my credit report that I do not recognize.

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 2021-04-09
Company: OneMain Finance Corporation
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I open a loan with One Main Financial in XXXX for 60  months term, I have paid every single payment, with the exception of putting 3 or 4 payments on the back end of the loan I also paid the interest to do so. The loan was suppose to be paid off in XXXX the finance company continued to tell me that it wouldn't be paid off until the end of XXXX which makes it 2years beyond the payoff date the original amount of the loan was {$8000.00} at that rate I am being charge over {$24000.00} on a five year loan and have made all my payments every single month something is not right when I spoke to one of the representative they said my loan was switch to a different method and no one ever reach out to me or explain who change my loan I would like for you to see what you can do to assist in this matter and you have my permission to review any and all documentation pertaining to this loan there got to be others out there that have suffer the same fraudulent action. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
On XX/XX/2022 I booked ticket on XXXX XXXX XXXX. At the end of booking pop up bank of America credit card application and offering {$100.00} statement credit if I used new credit card for purchase ticket. I am apply and approved. I used new credit card as payment for the tickets. One month later no {$100.00} credit. Contacted Bank of America and representative told me wait one more month. Still no {$100.00} credit. On XX/XX/XXXX Bank of America sent letter " We offer a {$100.00} statement credit to new cardholders who : 1.Open an account while booking a flight online at XXXX XXXXhich I did and 2. used the card to make at least {$1000.00} purchase with 90 day of opening account. 
Which I also did. 
I contact again in middle of XXXX and get reply with exactly same letter but on XX/XX/2022. 
Last my contact XX/XX/2022 and this time the representative from the Bank of America create the story that I opened account on XX/XX/2022, but XXXX posted transaction as XX/XX/2022. This is absolutely not make sense, because I can't approved and print the tickets without full payment. The representative from Bank of America asked me contact XXXX to confirmed that ticket purchase on XX/XX/2022. After that I try to call Bank of America again and representative try to switch to XXXX XXXX customer service. 
I also request to talk with the manager and my request completely ignore. 
Bank of America misleading the client to posted via XXXX false advertisement on instant credit and later fool around with client to avoid issue the credit. 
I want that the people avoid make a deal with Bank of America as dishonest partner.

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 2017-12-11
Company: WELLS FARGO & COMPANY
State: DE
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:
Had a payday loan. It was paid off. The company tried to take more funds out my account. Made claim with Wells Fargo and they gave me a pending credit back for {$360.00}. Wells Fargo closed my claim bc I do n't have proof of paying them and they reversed the pending credit. So they put my account on the negative for almost {$400.00}!! I have talked to Wells Fargo, had reps hang up on me when I told them I wanted a name & number of somebody I can report this horrible bank crook bank to.

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 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 and XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states that I have the rights to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2018-08-29
Company: Experian Information Solutions Inc.
State: CA
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 placed a order on " XXXX '' on XX/XX/XXXX and I selected ; the option for " 3 easy pay '' installments. I never, knowingly consented for " XXXX '' to pull my credit report. I talked to " XXXX XXXX '' sales engineer yesterday, evening Tuesday, XX/XX/XXXX, when he asked for my social security number to run my credit report. I told XXXX, NOT to run my report and I will call him back today ( XX/XX/XXXX ) once I decide how I wanted to proceed with this order. I checked my credit today ( XX/XX/XXXX ) and my credit was pulled without my consent. I never gave " XXXX '' my social security number to even check my info. 


Credit Pulled From : XXXX XXXX. 
Phone : ( XXXX ) XXXX x XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN 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 2019-04-01
Company: CITIBANK, N.A.
State: NY
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:
I do not recognize this inquiry 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
Consumer complaint received 2018-07-07
Company: Midwest Recovery Systems
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: Account status incorrect

Complaint:
Midwest Recovery Systems is reporting a debt balance of {$77.00} for an account I have no knowledge of. I have requested a validation of debt that I have yet to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX OF XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original 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 2018-04-16
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Over 8 years ago we went through the mortgage modification process that took over 2 years to complete.We proved hardship and were also victims of predatory lending practices in XX/XX/XXXX.

We were advised by Wells Fargo to not pay our mortgage during the modification process.Wells Fargo consistently told us each month that we did not have to pay during the modification process. We were assured that we would likely get a better rate, term and relief from some of the principal amount once we went into modifying the mortgage.

In XX/XX/XXXX we were told by Wells Fargo that we were approved for a loan modification. They extended our term, fixed the interest rate which was good however, then added {$90000.00} to our principal amount.

Wells Fargo put us on a probationary ( trial ) 3 months of payments at our new mortgage payment amount.

The new payment was considerably higher than the payments we were used to making prior to our hardship in XX/XX/XXXX.

We agreed to the new payments because this is our primary residence, we have no where else to go.

The only other options we were given from Wells Fargo after 2+years, was a short sale or foreclosure. This was in fact deceptive and it became obvious that Wells Fargo really only wanted to help themselves.

We have been struggling to make our payments on time ever since and have had to borrow money in order to stay out of foreclosure. We can no longer borrow money to pay Wells Fargo. We should not have agreed to the " new '' payments. If we just let Wells Fargo foreclose on us 8 years ago, our credit would actually be okay today. As a result of all this our payments are always late and our credit is terrible. The modification process that was supposed to help us has in fact hurt us financially. Wells Fargo can not be trusted.

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 2018-03-24
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I resubmitted paperwork for an Income Based Repayment Recertification ( IBR ) the first week of XX/XX/XXXX OnXX/XX/XXXX ; AES sent an email thanking me for submitting an Income Based Repayment Plan request and stated that once my request has been processed they will be sending me communication advising of the outcome.

On XX/XX/XXXX ; AES sent an email stating that my IBR request is on hold and they will process my IBR recertification request once the final bill of my current schedule is generated on XX/XX/XXXX and once they have processed my request they will send a follow up email.

When I log onto my AES Success account I noticed that a repay bill is due for XX/XX/XXXX and each time I have checked there is a different payment amount and date. It is clear that someone has been going into my account and tampering with it. Because of all the personal and sensitive information on this account ( social security number, birth date, etc. ) this is a breach of my privacy. I am also concern with the week gap between when AES is going to process my IBR plan and the scheduled due date of payment until they update my account. I do not want any negative reporting on my credit report because on their processing procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: CCS Financial Services, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter dated XX/XX/XXXX from a collection agency stating I owed {$800.00}. They stated the debt was in XX/XX/XXXX. From XX/XX/XXXX until XX/XX/XXXX I was a victim of identity theft and Ive submitted several pieces of documentation regarding this. I have contacted this company by phone and they were rude and uncooperative.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: Bread Financial Holdings, Inc.
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I just paid OFF my XXXX XXXX XXXX Credit card on XX/XX/2018 ( with XXXX XXXX ), the account is now CLOSED. 

I'm making a request that XXXX XXXX should be notified to report my PAID OFF account status to all 3 Credit card bureaus to help improve my credit report, thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Had not used my XXXX store credit card for some time. Saw my credit report and saw account had been closed despite being open for 10 years with no late payments. Called to request it be reopened and was denied and basically was told they can close for any reason with no warning to customer.

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 2018-03-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have an extended fraud alert on my equifax credit profile. There are two fraudulent inquiries listed on my credit profile that I did not authorize. XXXX and XXXX. I am requesting that these fraudulent inquiries be removed from my credit profile ASAP within 4 days of receiving this complaint. I have filed a ID theft affidavit and I am contacted my attorney if not removed I will file a lawsuit against equifax due to their security breach!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX at XXXX XXXX  EST, I call the 5/3 's credit card dept. to make a payment. My payment is due on the 8th day of each month. I spoke to an XXXX in CC who refused to accept my payment because I would not agree to a payment on the XX/XX/XXXX, so 5/3 bank can charge me a late charge. The claim that their payment have to be made by XXXX on the due date or it is considered late. I refused to agree to a XXXX payment, and She nor the supervisor XXXX would accept my payment. This is a predatory practice in my opinion. I want my XX/XX/XXXX payment processed without paying a late charge. 
In XX/XX/XXXX when I opened this account they offered {$250.00} to open a checking account with this bank and maintain a specific balance for 60  days. The banking rep was XXXX at XXXX branch in XXXX, NC. After 60  days passed I did not receive the money, when I contacted her and the branch manager about the checking account promotion XXXX. XXXX said the money had to be maintained in a check account for 60  days, not a savings account ( I opened both accounts ). XXXX knew the reason I opened those accounts was because of the {$250.00} promotion and I brought here the mail flyer I received. I told I wanted to take advantage of the promotion and she NEVER reiterated the fact that the money had to be in a checking account. I have complained to the branch Manager later and she Never responded to my complaints. I went to close my accounts with 5/3 and XXXX and pull my money out of this bank and the branch manager claim she could not give me my money, and she would follow up but I never heard from her. 5/3 is the most useless consumer unfriendly bank I have ever dealt with. I will be making my XX/XX/XXXX payment online. I do NOT expect to be charged a late charge for XX/XX/XXXX. I also want to be credited the {$250.00} that was due me when I opened the accounts last XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I Have Payed Off Full Account Balance With Original Creditor. XXXX XXXX & They Just Posted Yesterday That I Owe {$81.00} To XXXX XXXX On My Credit Report Which Is False Information.

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 2018-03-24
Company: World Acceptance Corporation
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
A personal loan was taken out with XXXX XXXX. After being unable to pay and informing them of this. They constantly called my work, friends and family and of course myself. I notified them with via phone to stop contacting my friends family work and myself and they continued. I finally sent a certified return receipt requested cease and desist letter. The phone calls continued. I have contacted a bankruptcy attorney to file bankruptcy this only made XXXX more upset. I need her to stop this repeated behavior of harassment and intimidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear XXXX XXXX XXXX c/o CFPB. 
( 1 )  I have XXXX student loans with XXXX. On one student loan with XXXX  account, TransUnion did NOT even report student loans payment information to XXXX for the entire year of XXXX, even requested to TransUnion many times in XXXX and XXXX. 

( 2 ) TransUnion publicly displayed a close variant of my social security number as my personal phone number in TransUnion credit report-making me a fraud victim. Thus, money was stolen from my bank account due to TransUnion displaying a close variant of my social security number as my personal phone number in TransUnion credit report. 

( 3 ) TransUnion willfully deleted my periodic payment accounts causing Credit Score to drop thus, preventing me in getting a home loan and a business loan at that time and those opportunities are forever foreclosed.. 

( 4 ) TransUnion allowed other unauthorized companies to review my credit report I violation of my privacy rights. 

( 5 ) Very Critically, TransUnion and TransUnion 's external lawyer ( listed below ) are NOW engaged in Witness Tampering - so that I can not ever complain to ( i ) CFPB and ( ii ) California Attorney Generals Office regarding TransUnions pervasive Abuse and Misconduct. 

XXXX XXXX XXXX California XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX & XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX XXXX : ( XXXX ) XXXX Fax : ( XXXX ) XXXX CC. XXXX of California Attorney General & State Bar of California

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