BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-01
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
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:
On XX/XX/2018 the XXXX store from XXXX XXXX, Ca charged my debit card for {$1000.00}. Then the Santander decided to credit the {$1000.00} back to the account on XX/XX/2018. On XX/XX/2018 the bank then charges me again {$1000.00}. 
I have gone to the bank many times to file claims but they kept getting denied. I told them that on the bank statement it says that the charge took place in XXXX XXXX, Ca but the state that I live in is Massachusetts. I asked them why they were getting denied and the bank told me I had to go to the merchant ( XXXX ) to get the money back. 
I call XXXX to try to get the money back but they said I have to go through the bank to get the money back. I talked with a customer relations employee at XXXX and investigated the matter. The employee and I ended up getting proof of a receipt they found showing that the transaction took place in XXXX XXXX. 
I have been going back and forth with the bank with the proof and evidence that it was fraudulent but they refuse to refund the money. I believe that the transaction should not have gone through because it happened across the country from where I live. Santander should have not let that happened. 

Below I have the bank statements and the XXXX receipt I received the customer relations employee.

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: 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: Personal information incorrect

Complaint:
I was informed by XXXX that Experian has my Social Security number incorrect and an old address listed.

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 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
On XX/XX/22 & XX/XX/22 I had disputed with each of the three credit bureaus about the two inaccurate accounts on my credit report. XXXX. XXXX XXXX Number : XXXX XXXXXXXX XXXX XXXXAccount Number XXXX XXXX XXXX As a result they sent me back a letter stating they were unable to locate the file, yet they are still reporting the inaccurate/negative account information. I have asked for them to provide me with signatures from the original creditors to prove I have ownership of these two accounts that they are reporting on my credit reports and they have failed to do so. I have also asked them what their method of verification was if they even conducted an investigation and they have failed to provide me with such information. I believe the letters are stall tactics so they can keep reporting negative information about me. I have already been denied housing because of these negative remarks on my credit report. Its not only injurious to my score but its preventing me from doing things such as getting a place to live. As a result id like these two accounts deleted because they have yet to do their job in providing me the information I'm privy to based of the Fair Credit reporting Act. I'm asking your company to make them abide bay the govern laws set in place to protect me the consumer from and business practices such as this.

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 2020-10-09
Company: Experian Information Solutions Inc.
State: TN
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 recently disputed the bankruptcy account with the Experian, and the information was reported as verified and accurate. Im sure we both understand that most disputes are often conducted using software, such as e-Oscar, and that mistakes can be made during that process, and that the software can have limitations when it comes to completing a proper investigation of records. I sent over proof that the Bankruptcy is a error and has been deleted from XXXX the third party vendor but Experian still reports wrongful information to 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 2017-12-07
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Received approval for a mortgage loan with Quicken Loans ( Loan # XXXX ) and two days before closing my loan officer ( XXXX XXXX ) contacted me and said the loan was denied and I was not given a clear explanation. There was no communications from Quicken to suggests that my loan was not going to be approved. The only caveat Quicken asked was that I rent my existing property in order to qualify for the loan. I complied and provided Quicken with a copy of the lease agreement three weeks before closing. I was under the guise from my communications with the loan processor that the loan was approved given that Quicken had setup settlement date and was in communications with the settlement/Title company to close the loan. It was only until I received a telephone call from Quicken Loan two days before closing that they informed me that my loan was not approved. Quicken did not provide a clear response other than to question the integrity of my lease agreement. I find Quicken 's practice to be discriminatory in that I met all of their preexisting mortgage requirements to include providing them with a notarized lease agreement for my existing property which according to Quicken would qualify and approve me for the loan. That was the communications I received from my daily conversations with the loan processor. Again, it was only until 2-days before closing that they notified me that my loan had not been approved. Consequently, they had already setup a settlement date with the title company closing the loan. Both my real estate agent, title company the seller of the property I had intended to purchase were dismayed at this last minute decision. Again, my conversations with Quicken did not adequately provide an explanation other than to say my debit to income ratio did not meet their standards but this was not communicated to me throughout this loan process when started in XX/XX/XXXX. 

Secondly, Quicken initially offered me a pre-approval letter with an interest rate of 3.75 %. However, the rate increased to 4.125 % with no explanation provided. The process for this loan has been very disturbing and has left me without recourse other than to file this complaint with CFPB. 

If you require further information by email address : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: EQUIFAX, 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 purchased a vehicle from XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX Identification # XXXX, when i purchased this vehicle one of the things that was promised to me is that this will not reflect on my credit report since at the time the company did not report to the credit bureau, since i was working with a co to repair my credit, it was important to me that this did not show in my credit report. my payment amount was {$370.00} and i always made a payment of {$400.00}, on XX/XX/XXXX of XXXX my wife was involved in a card accident and the vehicle deem a total loss XXXX claim # XXXX XXXX XXXX XXXX was and still my current insurance co, the adjuster for this claim was XXXX XXXX XXXX, at the time of the accident my account was current, therefore any contractual payment 's after the accident should had not been listed as delinquent, XXXX XXXX  was notify and they where listed as lien holder. XXXX started reporting to the credit Bureau on XX/XX/XXXX of XXXX, reporting my account over 120 days delinquent and reporting me Retroactive, the wrong amount was listed, show me delinquent, and they reporting me retroactive, my loan was purchased 15 month 's prior to then beginning reporting to the credit b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07
Company: Experian Information Solutions 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:
I paid off a collection from XXXX XXXX XXXX in XXXX of 2021 with the express verbal agreement the collection would be removed from any and all credit reports. However over ten months have passed and the account continues to show on my credit reports with an unpaid balance.

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 2019-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
CFPB I am filing this compliant because Trans union Credit Bureau is refusing to start a dispute and claiming they never received my dispute letter which is a totally false. I sent this letter certified. On XX/XX/XXXX. I sent Trans union a dispute letter because these following accounts, XXXX XXXX XXXX Account number XXXX, And XXXX XXXX XXXX Account number XXXX, And XXXX  Account number XXXX, And XXXX XXXX  Account Number XXXX Are unverified accounts and violate the Fair Credit Reporting Act. CFPB please be advised that this is my 4th dispute letter requesting Trans union to disclose all information about these accounts under section 609 ( a ) ( 1 ) ( A ) i wan na see a consumer contract with my signature on it.The last three dispute  letters Trans union did not comply. I have a membership with Trans union online product which updates every 24 hours and shows when accounts are open disputes. On XX/XX/XXXX i logged in on the Trans union product online and updated the report and notice that there was not NO disputes open so I started tracking the certified letter i sent to Trans union and it showed that they received that letter on XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX i called Trans union and spoke with a rep name XXXX And he stated they never received my dispute letter so i asked to speak to a supervisor which one got on the phone name XXXX he stated the same thing i also made a call on XX/XX/XXXX and they stated the same thing i also called Trans union today on XX/XX/XXXX and spoke to a rep name XXXX he stated the same thing there is no dispute letter they received so i asked to speak to someone higher then a supervisor he transfered me to someone in the United States special handling department as the rep stated and i spoke to someone name XXXX and he stated that there was not a dispute letter received. This is not fair that Trans union is not starting a dispute as i requested and someone from Trans union signed for my dispute letter because i received the certified receipt that they signed for it on XX/XX/XXXX. In 8 days makes 30 days that Trans union had this dispute letter and they never started a dispute yet this is not fair as a consumer i have the right to dispute any account thats listed on my credit file i believe that Trans union is refusing to dispute these accounts because they do not have all the creditors Original documentation that i am requesting to see and been requesting since XX/XX/XXXX. I will provide evidence the dispute letter and the certified receipt Trans Union signed when they received that letter.

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 2021-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Dear Capital One Bk ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XXXX XXXX. I was so angry and upset that i end up closing and paid off the entire balance. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
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 have talked to XXXX, Transunion, and XXXX and have submitted all the proper documentation to show that I was a victim of identity theft and nothing has been fixed or removed from my credit nor have they responded. This is really impacting my credit score and personal life. I am a hard worker and trying to purchase a new home for me and my family. The interest rates are down now due to COVID 19 and I would really like to qualify but can't until this is resolved. I appreciate your assistance in this matter. 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 2019-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2019 : I went online to open a checking account at Bank of America with intentions to deposit check for retirement withdrawal. 

XX/XX/2019 : I received Retirement withdrawal check via mail from XXXX XXXX services. I called Bank of America to understand if I was allowed to deposit this check as my initial deposit in the account. I was told that I can deposit it, but there will most likely be a hold placed on the check and any funds that are made available immediately will be identified at the time of deposit. 

XX/XX/2019 : I deposited my check for {$9200.00}, and I was able to present my Drivers license as a form of identification and I received a receipt stating that {$200.00} would be available immediately, and the rest of the check will be held until XXXX XX/XX/2019. I was also informed that I would receive my new debit card within 4-6 business days. I chose to wait for my debit card instead of taking the {$200.00} cash at the time. 

XX/XX/2019 : I wanted to get my {$200.00} because I was low on cash and I went to the back to get the {$200.00} that was explained to be released and they stated that the funds were not available. After the branch manager called corporate to find out more information I was told that the account is being closed due to a lack of proof of identification. I was explained that since the account is in the closing process, then I will now not be able to have access to my funds for 7-10 business days. I then called the original provider of the check, XXXX, and they stated that the funds have been released to Bank of America. I then spoke with the closures department over the phone where they confirmed that the funds are still being verified and that I will not have access to these funds until the closing process is completed which is scheduled for XX/XX/2019. Then they explain that once the account is closed then I will be sent a cashiers check returning the money and that will take 7-10 business days to arrive. 


I need this money to pay bills. I have already gone one week. I owe on credit cards and utility bills and no mater what I do they continue to tell me that the funds are not available and They can not release them to me. I have provided proof of identification and they continue to hold my money. My credit score and credit companies are asking me for payment of which I will accrue overages and fees. not only is this inconvenient it will be affecting my future financial health.

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 2018-06-20
Company: Cadence Bank
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX, a Bankcorpsouth bank manager threaten to close my checking and savings accounts after I filed a complaint against one of her employees. The employee denied me services at the drive through. This same employee has bullied and mistreated me in the past. I stopped going to that location because of the mistreatment by this one employee. Instead, I went to other locations that are much farther to drive. I am a  XXXX Military Veteran and can not stand long or walk without severe pain. Since the drive through employee refuse to do two transactions I had to go inside the bank which is very difficult on my body ; getting in and out of the car, walking and standing for long periods and this is what I had to do because the drive through employee refuse me services. She knows I am a XXXX veteran. and I have a displayed XXXX decal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Have contacted Navient since XX/XX/19 to request form be endorsed for EDRP for my XXXX employer to repay my student loans. Receieve only automated correspondance via email. Have uploaded form twice. Was then told to call us dept of education who after calling and emailing with them referred me back to navient. Also, navient has made me fill out the income based repayment plan app in XXXX and again in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I received a phone call from " XXXX from Comenity Bank '' ( number XXXX ) trying to recover a debt from my sister ( whom I do not live with nor have ever had shared financial accounts with ). This was extremely inappropriate and I believe illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am submitting this complaint because I am being extremely affected by Credit Managements actions. They are being completely unfair and I dont know how to get ahold on them but through this portal.

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation.

This company has been reporting wrong information, re-aging the account, they have failed to mark account as disputed, they have also reported multiple billing errors by charter Internet ( original creditor ) and unfair business practices. 

The account information is the following : Account Name : CREDIT MANAGEMENT, INC Account Number : XXXX Original Creditor : XXXX XXXX. 
Opened Date : XX/XX/2019. 
High Balance : {$72.00} My demand is based on many damages and all the violations that they have committed : I WANT THIS ITEM REMOVED FROM MY CREDIT REPORT ASAP. 

Please sed the attached documentation to this company. 

Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As of XX/XX/19 Bank of America is holding {$970000.00} is escrow after an insurance loss. I only owe {$970000.00} on the underlying mortgage and have been making regular loan payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My home was in escrow to a company purchasing my home on XXXX XX/XX/XXXX. I called both mortgage company and their lawyers before the sale on XXXX XX/XX/XXXX. When I called the mortgage company they told me to call their lawyers and vice-versa while I was trying to get help. My documentation of escrow and purchase agreement states they were signed between XXXX XX/XX/XXXX. It is set to sell for {$140000.00}. Plenty to pay off debt. I received an email about two weeks after I tried to get help from the mortgage company lawyers. In that time the sale of my home to the company continued to proceed.

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