BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
I had Kohls department store card which was opened on XX/XX/XXXX. The card was closed by me on XX/XX/XXXX. 

The situation here Is Kohls had agreed to remove this entire history off my credit report, the problem here is it is still on my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-14
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX we wrote a check for my nephew 's wedding {$5400.00} # XXXX. On XX/XX/XXXX Santander cleared that check. On XX/XX/XXXX they cleared it again using a made up check # XXXX no image on the statement {$5400.00}. On XXXX XXXX I found this error when balancing this account. I called XXXX at Santander XXXX XXXX. XXXX said she would have her research team look into it. XXXX told me in XXXX that the transaction was from XXXX XXXX still not reversed. Approximately in XX/XX/XXXX I called XXXX I said I still didn't see the reversal after balancing XX/XX/XXXX and she said she would contact her team. This past Monday XXXX XXXX I was talking to XXXX XXXX XXXX from Santander and told him I didn't know if my money had been refunded. XXXX had XXXX call me. XXXX was sorry for not getting back to me. XXXX then told me her team couldn't resolve this and that we could file a fraud complaint together.Even if this had been resolved I was probably going to alert you to this transaction. Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Experian Information Solutions Inc.
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:
Not my item

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 2020-05-13
Company: Navient Solutions, LLC.
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I had called to lower payments and I was refused because I did not qualify as I made to much to lower my payment. I was told I have to pay {$700.00} a month. I could not do that so I paid what I could. $ XXXX {$150.00} a month is what I could afford at the time. XXXX they sent my loans to collections because I was not paying the full amount they told me of {$700.00}. I am unsure of the exact dates when I had spoke to someone but I think it was back around XXXX. After I got out of collections and saw what I was to be paying a month which was still high for what I could afford and seeing my loan had more then doubled. I gave up because my voice wouldn't be heard and felt I would not get the help I needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
America First Credit Union is eliminating their regular checking account that has no fees and replacing it with either a classic checking account with no fees and is free similar to their elimined account or a premium account that will charge a $ XXXX  monthly fee. Customers are automatically opted-in to be enrolled in the premium account and must either call customer service or go to a local branch to opt-out of this premium checking account. The counter that the account is free for 30 days and customers can opt-out anytime during this 30-day period. The problem is users are notified by email and many will mistake this email for a marketing email since they send similar emails to market various offers. If customers do read the email, it doesn't seem to indicate that they can opt-out. It gives customers the false impression that AFCU has only the premium account. Most customers will have no idea they were opted-in to the premium account and will only find out after they are charged a $ 6 monthly fee starting in XXXX or XXXX. They will probably have no idea what the premium account is until they are charged {$6.00} and told by AFCU that they were opted in. It is also misleading since AFCU says customers can avoid the {$6.00} fee by having a balance of {$1500.00} but according to their terms a customer must have 1 ) an average daily checking balance of {$1500.00} for the month, 2 ) {$500.00} in direct deposits for the month, and 3 ) a total of at least 20 purchases made on either their Visa debit or Visa credit cards. Many customers will be surprised to see the $ 6 monthly charges since they believed that they only had to have one of these 3 requirements to avoid the {$6.00} fee. Their information on the Classic vs. Premium checking account is also confusing with a statement that the Premium checking has an unlimited amount of transactions. If you ask customer service they indicate there isn't a limit on transactions for the classic but it sounds like there is. They also mention the premium has fraud protection giving customers the impression that the classic checking account doesn't have this protection. They also tout the benefits of the premium account such as smart phone damage insurance and identity theft protection but it seems these are normally available through the Visa agreement for no fee. Customers should be notified by mail for such changes and also shouldn't be automatically opted in even if it is a 30-day free trail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 recently disputed these items and was told I needed to file an Identity Theft report with my local police department in order to get them removed because it is an Identity Theft Issue. I disputed the items and now have the report and it still hasn't been updated and removed and I am in the process of trying to get pre approved for buying a home for my family.

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 2020-01-30
Company: Experian Information Solutions 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:
Dear CFPB Staff, Experian has allowed the following Fraudulent account to reappear on my Consumer Credit Report : Derogatory Mark : 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 2020-05-13
Company: Conn's, 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:
THE INFORMATION I HAVE LISTED BELOW ARE INACCURATE AND UNKNOWN/ IDENTITY THEFT..I HAVE NEVER DONE BUSINESS WITH THESE COMPANIES OR LIVED AT THOSE ADRESS EVEN MY NAME WAS LISTED 3 DIFFERENT WAYS ON THE REPORT THATS LINKED TO UNKNOWN/FRAUD ACCOUNTS XXXX and XXXX XXXX ARE INACCURATE SPELLING OF MY NAME THESE ADDRESSES ARE EVEN INACCURATE OR UNKNOWN I HAVE LISTED THEM I NEED THESE REMOVED BECAUXE THEY ARE LINKED TO UNKNOWN ACCOUNTS XXXX, XXXX, XXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX HARD INQUIRIES -NEVER DID BUSINESS NOR RAN CREDIT WITH THESE COMPAINES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RETURNED THE VECHILE AND THEY SOLD THE VECHILE NEVER SENT THE UPDATED PAYMENT AFTER THE VECHILE WAS SOLD THEY NEVER SENT ME THE REMAINING BALANCE AMOUNT AND NOW THEY ARE REPORTING INACCURATE INFORMATION ON MY REPORT FOR YEARS AFTER THE CAR IS SOLD AND THEY WANT ME TOMSTILL PAY THE FULL AMOUNT WHICH IS FRAUD CONN APPLIANCES, INC #  XXXX-NEVER DID BUSINESS WITH THIS COMPANY UNKNOWN INFORMATION XXXX XXXX XXXX # XXXX NEVER DONE BUSINESS WITH THIS COMPANY UNKNOWN INFORMATION XXXX AND XXXX WITHHELD MY CREDIT REPORT YET ARE REPORTING TO 3rd PARTY XXXX XXXX AND OTHER COMPAINES INACCURATE INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
In XX/XX/XXXX, I tried to start an online business after I saw an ad to open an online store, I was encouraged by the ad thinking it would be a good way to pay off some debt and I decided to check it out since I am no longer able to hold down a job due to XXXX problems. 
One the companies was XXXX XXXX, they contacted me and made it seem so easy, even though I told them I didnt have any money or 401k, they asked me if I had a good credit rating and they talked me into getting more credit cards to pay for their services. 
I paid them {$9800.00} with my bank of America card on XX/XX/XXXX and XX/XX/XXXX I paid several companies to start up this online business and it all ended up being internet business opportunity frauds. When I realized what was happening, I tried disputing the charges with the merchant several times, but they have ignored my requests. I AM FILING THIS COMPLAINT BECAUSE I PAID FOR SERVICES THAT WHERE NEVER PROVIDED TO ME AS EXPECTED AND DESCRIBED. 
Please investigate this matter, it was suggested to me that if I file complaints with my government agencies for help in this matter. These companies have many complaints against them and its obvious by the list of charges that I was defrauded, I really need your help in getting my money back.

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 2021-11-03
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
TransUnion File # XXXX XX/XX/2018 TransUnion has All alternative Credit Inquires in the last 3,6,24 & years on my file. I have not or no what or where this came from or  source. I have not or agreed and need documented proof and my signature of such All Alternative Credit Inquiries as stated by TransUnion

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 2018-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Bank of America credit card company charged {$3.00} interest to {$280.00} balance subject on XX/XX/XXXX. For this bill, I made {$310.00} of purchase which is due on XX/XX/XXXX. 
For the previous month, I paid in full the new balance total of {$900.00} ( {$570.00} ( the previous balance ) +late fee {$25.00} +interest {$12.00} + $ XXXX {$900.00} ) on XX/XX/XXXX which was before due ( XX/XX/XXXX ), and there was no balance for the interest. I don't understand where both the balance {$280.00} and the interest {$3.00} are coming from. 
On XX/XX/XXXX, I talked with XXXX in North Carolina branch of bank of America credit card. She told that BOA has a policy that they charge the interests 'double ' consecutively for the 'one ' billing cycle of the unpaid balance, even though I paid it full amount of New balance on next month which includes late fee and the interest. So, when we both read together the policy on the statement, it says : BOA will NOT CHARGE interest on purchases on the next statement if you had paid the new balance total in full by the payment due date. The BOA policy is totally opposite of what she said. When I asked the explanation it to her, she hung up the phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-06
Company: Direct Recovery Services, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Although I no longer work at my old job, this number continues to call about a debt which they refuse to disclose when you call the number. My old coworkers have told them to cease calls at the work place. They now call my new phone under an Unknown Number. The voicemails left on company messaging contain information they claimed they have received from my public record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since XX/XX/2021, I have been submitting requested documents to Select Portfolio Servicing , Inc. After requested documents are submitted the company ask for additional or the same information. I call customer service and they are not help. I am being harassed by this company to end a Pandemic Forbearance. I have been making payments since XX/XX/2021. I am being harassed by Select Portfolio Servicing , Inc .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen years ago. It came to my attention after the IRS said I owed more than {$35000.00}. I began checking my credit history and found credit cards, names, phone numbers, addresses etc. that was on my credit file since XXXX. I never owned these accounts or had any knowledge of them. I filed a ID theft report with FTC as well as with the IRS. I have put a freeze on all my credit reports and submitted disputes. I have also sent letters to all deb collectors that I did not recognized informing them of the identity theft. Chase was one of those companies and despite sending evidence to them showing I was a victim of identity theft, they responded on XX/XX/XXXX saying that they verified they're info was correct. How can they say this when somone has access to my SSN, Emails, Phone Numbers, Addresses, Credit History EVERYTHING. My info has been confirmed listed on the dark web by the credit bureaus. Chase is reporting I owe them more than {$16000.00}. THIS IS UNFAIR. You can easily buy someone's info off the dark web for cheap and open accounts, bills, houses anything you want in that person 's name. I AM A VICTIM OF IDENTITY THEFT AND I HAVE BEEN SUFFERING AND LOSING MONEY BECAUSE OF THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I was a victim of the TransUnion credit inquiry issue. Inquiries were deleted from my credit report and then re-inserted. TransUnion did not follow the procedure specified in section 611 of the Fair Credit Reporting Act, and notified me 5 days after re-inserting the inquiries. I called customer service, although they wouldn't take care of it.

I am requesting removal of the following credit inquiries : XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX   ( XXXX  ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX Requested On : XX/XX/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 2018-03-31
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
we were advised our mortgage lender put us under forbearance due to hurricane disaster relief in Florida in XX/XX/XXXX for 2 months, and put payments on the end of loan. when it was time to pay, they extended again stating we can have more time since we were getting roof repaired and not to pay until XX/XX/XXXX XXXX in XX/XX/XXXXthey asked for paystubs since they were under impression myself or spouse job changed. we both have been employed in same job over 5 years. we did send stub what they asked for XX/XX/XXXX and current XX/XX/XXXX. we received a call XX/XX/XXXX, & XX/XX/XXXX collection call stating all of the funds were now due. Asked why, they stated forbearance was closed or denied due to lower income now than it was in XX/XX/XXXX. I stated that was impossible and why was this not questioned or asked prior to them closing it. They said we can apply for a loan modification and if cant afford it will sell the home in short sale. I advised we just purchased the home, and had no intentions of selling. we paid 2 months worth of the 6 months arrears over the phone, but are still in default because of their instructions or lack there of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried reaching out to Bank of America regarding fraud done on my account because I my identity was used without my knowledge, after going in person to a branch I received no help at all and no explanation or a change to explain my situation. I tried opening an account and I wasnt able to anymore. I have no bank account and not able to open with any other bank

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 2018-03-29
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I do not have the exact date that a manager contacted me this month but they were not willing to modify my loan considering the car was totaled and my balance left is a deficiency after the insurance paid them replacement value minus {$500.00} deductible. Perfect pay history mind you not. Since they were unwilling to work with me I requested a full cease and desist. They robocalled me yesterday and I called back to advise them again that I requested a cease and desist and to stop calling me but they called again today. I know that they are supposed to honor my verbal request but they are not doing so.

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 2018-03-29
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This complaint is against Caine and Weiner who states they are a law firm approximately one week ago I sent correspondence to this company about accessing my credit file without my permission and requested that it be removed. I received an email from XXXX XXXX attorney at law who stated that even though this debt was discharged in bankruptcy and the inquiries were performed after the discharge they had every right to access my credit report because the debt was ongoing which it was not XXXX XXXX were aware that the account was included in bankruptcy and there had been no premiums paid on this policy since XX/XX/2017. I also sent him a copy of the creditors included including XXXX i paid no premiums nor did I use the car or insurance at any time during my bankruptcy I used my fiancs truck because I was under the impression the lien holder would get the vehicle st any time I did not give this agency permission to access my credit file and all of their inquiries were AFTER the discharge of the debt numerous times the accessed my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just got a call from a guy who first asked me to confirm my name, then said he was with a company that handles " business issues. '' He was speaking in a thick XXXX accent. He then proceeded to try to get me to confirm my address, which I wouldn't do. I told him he needed to tell me who he is with and to state the purpose of his call. He stuttered a bit. I started counting down from 10. He never told me a company name. I then hung up. I then called the number back and the name of the company is XXXX XXXX XXXX. Another guy answered with a thick XXXX accent. I asked him what their company does. He asked for my name. I wouldn't give it. He said he can't tell me anything about their company without my name. I told him that their business has a very poor approach to contacting customers and that I think I'll report them then hung up. Now that I've checked on the company, it seems many people have received similar calls and it's apparently a scam. It seems they claim to be a debt collector and once they get your financial info, you're toast. The number they called from was XXXX.

Company response to consumer: Closed with explanation