BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-19
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There is an account on my report that opened without my authorization of knowledge about 5 years ago, I only found out when recently applying for a credit card that this account, showing and unpaid balance o XXXX with 37 charge offs, was the reason why I as turned down, I have always paid my bills on time, and was totally shocked to see this account with so many charge offs and how much it was hurting my score. I spoke to wells fargo several times asking for documentation regarding this loan which they never provide me, The last phone call, they even offered to remove the amount owed so it shows XXXX balance but leave all the charge offs. I did not accept

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 2020-05-19
Company: JP RECOVERY SERVICES, INC.
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Every 3 to 4 days the company calls and leaves a voice message. Every time I've answered they give vague details on what the debt is about. I've asked them to stop calling and they continue to call. I've paid a premium service to block the number and show as disconnected. As you as I turn off the premium service, the calls start again.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have several hard inquiries on my report that should not be on there. I previously sent information regarding Identity theft and these inquiries are a part of that. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-10-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
My husband and I have joint protection on our Home Equity Loan from Well Fargo Bank, which is clearly stated on our contract that we signed on XX/XX/XXXX. Our Home Equity Loan is being paid monthly through an automatic payment taken out from our Wells Fargo checking account since we signed up for this loan. My husband passed away last XX/XX/XXXX and when I informed the bank on XX/XX/XXXX of my husband 's death, I was informed that my Smart Payment Plan was cancelled. The bank could not explain why this was canceled so I requested it to be reviewed. 
I requested for a review why our joint protection was canceled without my knowledge since I never changed my payment plan nor I ever signed any document that justify this request for cancelation. 
My automatic payment has been outstanding and never missed any payment. 
I was advised that it might take about 2 weeks to pull the contract to be reviewed. 
On XX/XX/XXXX, I left a message to the Bank representative because I have not heard any responses. 
On XX/XX/XXXX, I got a call back from the bank stating that there was no updates yet and he said to check again after a week. 
On XX/XX/XXXX. I called the bank for a follow up and left a message. 
On XX/XX/XXXX, I called again and spoke with the bank rep and I was told that there was no updates yet and that he will escalate it and will provide a call back on XX/XX/XXXX. 
I did not receive any updates the following week. 
On XX/XX/XXXX, I got a call from the bank rep stating that the Smart Payment Plan was canceled at my request on XX/XX/XXXX. I told the bank that I did not sign any cancelation and that my automatic payment is still going on up to date. And my automatic payment amount remains the same since the first payment of my loan. 
He provided me with a copy of my contract that has the joint protection and a copy of a notice where it says the Smart Payment Plan has been waived. 
Your help is much appreciated and thank you in advance.

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 2020-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 booked a hotel room for XX/XX/XXXX - XXXX using my Capital One card. It was booked through the Captial One Travel that's linked to the card. I paid {$270.00} at the time for two nights stay that was charged immediately to my Capital One card. When I arrived at the hotel on XX/XX/XXXX there was a sign on the door that stated that it was closed due to the Covid-19 concerns. I was forced to drive to another hotel and book another room. However my card was still charged for the original room with a closed hotel. I contacted Capital One that advised me they would back charge my card and remove it from my account. It was handled within a few days and the charge by Capital One Travel was removed. Then on XX/XX/20 it was re-charged again and I was told that the booking was non refundable and could not be reimbursed by Capital One Travel on my Capital One card. How can I be charged for a hotel that was not even open?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: HYUNDAI CAPITAL AMERICA
State: ME
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In XX/XX/XXXX I moved from XXXX to XXXX. Within one month of the move, I registered my car ( XXXX XXXX ) in XXXX  and paid the XXXX  state excise tax for my XXXX XXXX. In XX/XX/XXXX I received a property tax bill from Kia Motor Finance ( KMF ) for {$240.00} which they had paid to the state of XXXX. I faxed a letter to KMF Property Tax Dept. proving that I had moved and registered the car in XXXX. I have a receipt proving that the fax went through to the correct number. 

In XX/XX/XXXX, I received the same notice that I still owed ( this time {$220.00} ) to KMF for the property tax levied in XXXX. This time I mailed all the documents to the KMF Tax Department in XXXX XXXX, CA, proving that I did not owe this amount. I sent the package registered mail via USPS. I have a tracking receipt showing that the package was delivered to the correct PO Box . I have never heard anything from KMF and the tax charge remains on my monthly statement. I refuse to pay it but I do not want this to damage my credit rating, which is excellent. 

In XX/XX/XXXX I receive a notice from KMF that I still owe {$220.00} in property tax. I call customer service and am told that there is no record attached to my account to prove that they ever received the documents and abatement requests I sent twice. They tell me to send the request again and give me the same fax numbers and the same PO Box address I have already used without success. I ask for a number to call their Tax Department and discuss this issue. I am told that the Tax Department is not reachable by phone only by fax or mail. 

I am filing this complaint because I feel as if there is no way to get KMF to respond to my requests for abatement. They will not even acknowledge that they have received my requests. Please help me to sort this out!

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 2020-05-19
Company: AMERICAN EXPRESS COMPANY
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I recieved my unemployment deposit the night of XX/XX/18. I checked my balance- it was XXXX. A second deposit- pua of XXXX- was deposited. My account was then closed permanently- without my knowledge and with no warning-blocking access to my remaining balance. I have been on hold trying to fix this issue- only to be told there is nothing anyone can do. In the service agreement it states account can not be closed with a remaining balance without my permission- which I didnt give.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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  does not allow me to send updated information online when I try to login in with my corrected 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 2021-02-19
Company: BANKMOBILE TECHNOLOGIES, INC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My XXXX XXXX account was fraudulatly used to withdraw money from two of my personal checking accounts with XXXX and BankMobile between XX/XX/XXXX and XX/XX/XXXX. The claim submitted to bankmobile was partially denied because they state the merchant " XXXX XXXX '' has provided them proof that these transactions are mine which is a lie. I have documentation from XXXXXXXX XXXX that confirms i am not responsible. I provided this proof to Bank Mobile however they still denied my claim for the same original reason. My account is overdrawn because they reversed the credit provided to me 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 explanation
Consumer complaint received 2020-10-26
Company: Experian Information Solutions Inc.
State: NY
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: Was not notified of investigation status or results

Complaint:
Report number XXXX I am filing this complaint because Experian has ignored my request to be provided with the documents that their company has on file that was used to verify the accounts I disputed. Being that it has been 60+ days, far beyond the 30 days permissible by law and they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have made a request of them to investigate. Please resolve this matter as soon as possible. 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 explanation
Consumer complaint received 2023-01-10
Company: Prosper Marketplace, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
with all do respect I don't agree with that. 

I, as a consumer per law am not supposed to be denied for any credit. 
I was denied by you all every year even when my credit was higher, so this is discrimination and I refused to be discriminated against anymore. 

So I appreciate your input but I will be contacting the credit bureaus and the higher authorities to get this resolved. 

So right now you unless you all approve me for a loan that I ( legally am obligated too ), you all are gon na get investigated by the government, XXXX XXXX XXXX and the XXXX XXXX. You all aren't the only creditors im coming after Thank you! 

Please forward this to corporate 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 explanation
Consumer complaint received 2017-08-08
Company: AES/PHEAA
State: FL
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 applied for a XXXX Loan Forgiveness program through Fedloan Servicing in XX/XX/XXXX and was told I gave the wrong school ID number. I applied in XX/XX/XXXX and was told I did not sign the application. I contacted the Student Loan Ombudsman and reapplied for the loan. I was soon told I would be awarded the Income Driven Program [ working at a XXXX XXXX XXXX ] ; however, I would have to provide my tax return so they could re-calculate my payments. I told them my husband would not help in the repayment of my loans [ he is not a signatory on any of my loans ] and they should only use my income of {$XXXX}. I was paying approximately {$1100.00} but I soon learned my payments would increase to {$2000.00} per month, making it 66 % of my income! According to the Student Loan Income-Based Repayment [ IRB ] calculator states, I should not be charged over 10 % of my income and usually is repaid in 10 years. I can not afford this. My husband is retired and is on a fixed income. Furthermore, my loan amount is approximately {$170000.00} but with 120 payments at {$2000.00}, I will end up paying more than {$61000.00} more than that amount. I do not understand how this is a " LOAN FORGIVENESS '' Program when they are charging me more than {$61000.00} more than the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have a paypal account that I can not access because I don't have a mobile phone. I called them about it and they will do nothing. They sent me a monthly statement notice, but I can't see it because I don't have a mobile phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
This is in regard to a charge off account they are claiming and I asked them to validate that this account is in fact mine bearing my signature. They have never responded. It has been a while.

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 2020-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7000.00}, {$5600.00}, {$3000.00}, {$2700.00}, {$3700.00}, {$1200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7000.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 

3. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX XXXX with a balance of {$2700.00} -This is not my account. 

-- COLLECTION ACCOUNTS 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1200.00} -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 2018-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 FILED A IDENTITY THEFT AFFIDAVIT AND REPORTED THE FRAUDULENT ACCOUNTS TO THE CREDIT BUREAUS, XXXX, XXXX AND TRANSUNION. 
I MAILED THE AFFIDAVITS ON TWO DIFFERENT OCCASSIONS. I HAVE BEEN WAITING FOR 3 MONTHS. THOSE ACCOUNTS, ADDRESSES AND INQUIRIES ARE STILL ON MY CREDIT REPORT. 
IT DOESN'T TAKE 90 DAYS TO INVESTIGATE IDENTITY THEFT. I FEEL AS THOUGH, MY PAPERWORK HAS BEEN PUSHED ASIDE. 
THIS IS UNFAIR TO ME AS A CONSUMER AND VICTIM. 
I NEED HELP ADDRESSING THIS PROBLEM. 
THE CREDIT BUREAUS ARE NOT TREATING ME FAIRLY.

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 2020-02-21
Company: Essential Lending Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I had a direct debit payment scheduled on XX/XX/20. The payment was processed as an electronic check. According to the signed agreement, checks are only created after default. I am not in default with the company and did not authorize creating an electronic check on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7000.00}, {$5600.00}, {$3000.00}, {$2700.00}, {$3700.00}, {$1200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 

3. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XXXX XXXXXXXX, XXXX with a balance of {$2700.00} -This is not my account. 

-- COLLECTION ACCOUNTS 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1200.00} -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 2020-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This complaint is the follow up and the feed backon the Company response on our earlier CFPB complaint XXXX. 
The following concerns remain unaddressed and unresolved. We claim .... 

1. After three months of investigation into our complaint, BOA did not address the main concerns in our complaint.The specifics of our complaints and documents have been provided to BOA on several occasions. 
2. BOA has breached several of regulatory codes governing the Banking and Brokerage services in the matter of handling our brokerage accounts. 
3. Mr. XXXX has provided false testimony under oath and has repeated the lies on matters which have been found to be false by their own investigations by BOA. 
4. XXXX and Mr. XXXX were engaged in setting up a bogus arbitration hearing in the pretext of a contrived and fabricated dispute between XXXX and XXXX. 
4. The company response is merely a compilation of previous correspondences and lies which have been refuted by their own investigatory team and the research report. 

We request that CFPB undertake an independent investigation into our complaints against, XXXX and BOA.

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 2020-05-19
Company: Nelnet, 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 status incorrect

Complaint:
My federal loan servicer ( Great Lakes ) automatically enrolled my account in the CARES act, suspending my monthly student loan payments until XXXX XXXX, 2020. On XX/XX/XXXX, I noticed my credit scores with XXXX  & XXXX  both tanked by 40-50 points -- the only difference in any account payments has been my student loans. There was no indication from my loan servicer that this AUTOMATIC ENROLLMENT into the student loan forbearance program would sabotage my credit score - I would have opted out immediately had I known.

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