BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-07
Company: Bread Financial Holdings, Inc.
State: IA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a XXXX XXXX XXXX Credit Card through XXXX XXXX with a limit of {$200.00}. I haven't been able to make a purchase or payment for over two months because I don't have a checking account. I have received 3 Late Payment charges, for the simple fact that I don't have a bank account. When I receive statements, the only payment allowed through the mail is a check. When I attempt to call in a payment by phone, I'm only allowed to use a check. When I was late with my payment the first time, a male XXXX XXXX representative called me. I told him I didn't have a checking account. He said that since my payment was late, I could make that monthly payment plus a Late Payment Fee with an alternative method. I made that payment with my Mastercard Debit Card. I was never informed that I could make my payment every month with my Mastercard before my payment was due. I opened a checking account just to make my monthly payments to XXXX XXXX XXXX. Upon several attempts to transfer cash from my Mastercard Debit Card to that checking account, I was unable to successfully transfer funds. Then, I decided to close that checking account. I haven't attempted to open another checking account yet. I also loaded my XXXX XXXX XXXX, ( In which I have my own personal routing number ) to make a XXXX XXXX XXXX Credit Card payment that month. That payment was declined by XXXX XXXX. I missed my XXXX payment, not knowing the XXXX payment to XXXX XXXX XXXX XXXX was declined. I missed a payment XXXX, since I didn't open a bank account and I really don't want to open a bank account at this time. I received a call a couple weeks ago from XXXX XXXX male employee. He wanted a {$52.00} payment and said I could use my Mastercard. I told him about my checking account problem, the rejected XXXX payment, and how I can only use my Mastercard when my payment 's late. He told me I could use my Mastercard for my monthly XXXX XXXX XXXX Credit Card payment before the due date and that I only needed to talk to a live person to make a payment with that. I didn't know anything about that until 3 Late Payments accrued to that account. The lack of information has harmed my credit. The man I spoke to seemed to be amused and didn't offer me any credits to my account, so I didn't make any payments. Last week, I called to make a monthly payment and I described the previous incidents. I was told by a XXXX XXXX female employee that she would waive one Late Payment Charge, but first I had to pay the Late Payment Charges and my monthly payments. I didn't approve of that and didn't pay the Late Payment Charges or my monthly payments. I think the bank is deceptive for not informing me of having the option of paying by phone to a live agent until 3 Late Payment Charges later.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-19
Company: John C. Heath, Attorney at Law, PLLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
My name is XXXX XXXX. I was working with XXXX XXXX to help with my credit report. I want my subscription cancelled and a refund plus all the money i paid towards the company.

I'm not satisfied with the results and I want my refund ( one time fee to start the process ) also all the money back that I used for paying towards XXXX.

Please and thank u.

Social security number:XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-14
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My house is in foreclosure at this time Loancare send all my mortgage payments back. I usually paid my mortgage through XXXX XXXX. My payments from XX/XX/2017 got rejected and sent back to XXXX XXXX without any notice to me and been there ever since. I tried calling a few times to get help and had no luck am scare to lose my house.

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 2021-07-01
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2021, a DEBT VALIDATION letter was sent in response to a notice sent to me on XX/XX/2021. 

Pursuant to 15 USC 1692g, SANTANDER CONSUMER USA claim was disputed and validation has been requested. 

Specifically addressing all to be true above, therefore ; SANTANDER CONSUMER USA, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector -- pursuant to 15 USC 1692g ( b ).

Furthermore, SANTANDER CONSUMER USA is reporting invalidated information to the major three consumer reporting agencies resulting in a negative mark for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2019 I sent a dispute letter to Midland Funding and XXXX   about a dept they say I owe and put on my credit file. I asked for proof of verification per FCRA but they sent nothing to verify their claim that this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: EQUIFAX, INC.
State: TX
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 have sent a number of certified letters disputing items on my credit report that are showing negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: Northland Group Inc
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I OWE NO MONEY TO ANYONE!!!!! I'VE PUT IN COMPLAINTS BEFORE BUT THEY KEEP CALLING!!!!! STOP STOP STOP OR I'M GOING TO SUE THE PANTS OFF THIS COMPANY, NORTHLAND!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX there was transcations that i did not authorized for a total of XXXX on my unemployment debit card. I called bank of America to file a claim. They did nothing to help me they are saying i authorized the charges. I did not authorized the charges.

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 2020-05-06
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Corvid 19 CARES act clearly states mortgage servers are required to provide 180 days mortgage payment relief and another 180 days mortgage payment relief upon request without penalty or accrued interest. On XX/XX/2020 requested Covid 19 CARES mortgage relief from Mr. Cooper ( Nationstar ) was given 90 day forbearance with balloon payment due at the end of 90 day forbearance period. On XX/XX/2020 sent certified letter to Mr. Coorper ( Nationstar ) to advise Covid 19 CARES mortgage relief requirement and request 1 year mortgage payment relief. On, XX/XX/2020 called Mr. Cooper ( Nationstar ) to request 180 days payment relief and the option for up to 1 year payment relief. Mr. Cooper ( Nationstar ) has denied my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
CAPITAL ONE is reporting that on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, & XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied to CHASE CARD SERVICES and they have committed adverse action against me by denying me credit based off of my income as well as my history of use of credit. I was discriminated against by CHASE CARD SERVICES. They utilized my credit without my authorized use in order to communicate with 3rd parties. I exercised my right to credit in good faith and was denied. This is a violation of my rights as a consumer pursuant to the Equal Opportunity Credit Act codified in 15 USC 1691c, 15 USC 1692K, 15 USC 1691, 15 USC 1642, USC 1681M, 12 CFR 1002, 15 USC1681N, 15 USC 1681O, 15 USC 1602F, 15 USC 1602G, 15 USC 1602L, 15 USC 1602P, 15 USC 1691A3.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Experian Information Solutions Inc.
State: TX
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 have sent a number of certified letters disputing items on my credit report that are showing negatively.

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 2017-12-03
Company: AMERICAN EXPRESS COMPANY
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
A transaction was made on my account by " XXXX XXXX XXXX '' resulting in an overdraft. I contacted American Express and was told that this is an internal issue due to an update and they expect to have it resolved within 72 hours. I asked why a credit could not be issued, as they were aware of the problem, and the only answer I could get is that they were " truly sorry ''. It was mentioned during the call that many card holders were affected. I believe this issue should be looked into by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
During my normal course of business, I received 2 wire transfers from a customer that was large, for a total of {$290000.00}. The money was received w/o any incidents or delays, and I was able to use the some of the funds ( about 50K ) and meanwhile 2 weeks have gone by. Out the blues, on XX/XX/2019, Bank of America decided to close my account without explanation and creating a hostile environment b/w any bank phone operators and myself. I travel a lot in my line of work, and when I finally came back to town, I was able to visit real live people that were very helpful but told me that the bank CAN and INDEED close my account for " suspicious behavior ''. This was one of the many different excuses that I was given over the phone, they ( BofA ) always had a different answer when I call. I know now that, the money was retained as " HOLD HARMLESS '' for an unknown reason or explanation from the bank. This situation makes me feel like I am doing something illegal or criminal, which I AM NOT. I will enclose all the transaction history that proves the legitimate nature of the wire. something that the bank has REFUSED to verify. I can not stress how damaging this situation has been to my business and my finances, I create around 10 % of wealth from that money which creates jobs for other people and my income. BofA has damaged my reputation and business practice with incredible malice, for which i have not gotten even a phone call. I have called repeatedly their corporate security dept. which is the instructions given anytime I call or visit ( Ph XXXX ) and all you can do with that number is to leave a message with a misleading promise that they will call back. I even, went to a lawyer to explore my options, and I will include a document describing their opinion. I can not believe in this day and age of fast moving business, that a banking partner like BofA will attack us with such XXXX like tactics and even threaten to NOT RETURN my hard earned money ( see letter attached ). All the while nobody in the bank takes responsibility for the cost and injury it has caused 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 2019-04-07
Company: GREAT LAKES
State: OH
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Great Lakes Have a attempted to collect a debt that has been deleted from my credit report. The original owner of these accounts was XXXX XXXX. This XXXX XXXX debt was deleted from my credit report. This is ruining my credit and it is violating my rights as a consumer.I sent a letter in XX/XX/2019 asking who was the the original creditor and what was the original account number. They have taken my income tax in the amount of XXXX and I want this money refunded back to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
As per earlier complaint # XXXX Huntington Bank ( the bank ) agreed to cash in CD without any early withdrawal fees. This is the letter sent to CFPB to verify this. At the bank XXXX XXXX filled out a withdrawal slip for {$25000.00} which I explained was incorrect. On XX/XX/2020 upon maturity the CD was {$26000.00}. Again the bank seems to use deceit and fraud on unknowable customers. Until some punishment is put this bank these practices will continue as business as usual.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: CITIBANK, N.A.
State: UT
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 was caught in XXXX during the outbreak of the coronavirus. I booked my hotel tickets through an agency called XXXX, and paid this entity via my Citi card. 

When the coronavirus outbreak occurred, I tried to call XXXX to cancel my reservation or change it so I coukd return early to the USA ; the border to XXXX had just closed and zi didn't want to be stuck in XXXX with my XXXX children. 

XXXX was non-responsive. No body picked up and, later ( when I was finally able to access their website ) it just apologized for any inconvenience. 

I disputed the charge with XXXX with my Citi card. Citi just closed it today, for no reason - nobody reached out to me to determine what happened. And XXXX XXXX website pretty much outright says that there's a loophole, that if you didn't use your reservation then too bad - you still have to pay. 

How is Citi providing protection to its customers? I want my {$1300.00} back. Citi closed my dispute without asking me ANYTHING. 

I am a single mother and this trip was something my children and I had really really wanted. We would have loved to have stayed in XXXX. But we couldn't. 

I want Citi to refund me my {$1300.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
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: Information belongs to someone else

Complaint:
ID theft victim, unknown acct, police report 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 2023-01-23
Company: SUN LOAN COMPANY INC.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Repeatedly calling and calling my contacts repeatedly after I've talked with them and told them my situation... the fact that I can't afford to make payments due to income changes. I've told them on several occasions to stop calling my contacts. I've lost a couple friends, got in trouble with my son in law and my landlord isn't happy about them calling her.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
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:
Have tried to get Experian to block these accounts from my credit file.its been proven they were identity theft accounts.Police report etc.As well as getting copies of id and social used.nit mine.They are supposed to block or remove fraudulent accounts. The accounts I want blocked are XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX card services.They never did a proper investigation.

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 2018-12-07
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have requested validation of the account that has been attempted to collect debt on from this collection agency and I have not received anything back by postal mail. It has been more than 45 days since the original request was sent. Despite my previous 2 written requests, the unverified item listed still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request on multiple occasions to send me copies of the documents that you used to verify the disputed accounts is evidence that you cant and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you cant verify nor validate after multiple requests via USPS mail and Email is also evidence of your willful disregard of Federal Law.

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 2018-12-07
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Amsher the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: Exeter Finance Corp.
State: SC
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:
Why is XXXX reporting account closure information on XXXX A. not all account closures have anything to do with me. It was a bank error regardless it looks bad for me. 

XXXX. XXXX is this secondary company to compile information? 
EXETER FINANCE CORP XXXX XXXX XXXX XXXX XXXX XXXX. MN XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: EQUIFAX, 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:
XXXX XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX, equifax, and XXXX but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

XXXX is reporting it as a Flexible spending credit card, XXXX   as a credit card, and equifax is reporting no account type. XXXX   is reporting a monthly payment of {$0.00}, equifax is reportng {$97.00}, and XXXX is reporting {$0.00}XXXX XXXX is reporting the last reported date as XX/XX/XXXX, equifax XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. XXXX is reporting date last active as XX/XX/XXXX and, equifax as XX/XX/XXXX XXXX  is reporting XX/XX/XXXX. XXXX  is reporting a high credit of {$5000.00}, XXXX is reporting it as {$0.00}, and Equifax is reporting it as {$4400.00}. They have obviously not been investigating this as per my request and i would like this deleted ASAP.

Company response to consumer: Closed with explanation