BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
While making a purchase at Kohl 's, the cashier asked if I had a Kohls credit card to help save money. I said I did and apparently the account was closed due to inactivity, which I was unaware of at that time. The cashier then had me confirm my information on the key pad and reopened the account without my permission. The purchase was charged to this account and the cashier told me there was nothing he could do to reverse it. I was under the impression I had an account and was trying to receive a coupon. I did not want to open a new account or charge the purchase as I was making the purchase for the company I work for. They opened a new account without my permission. I tried to resolve this issue with them by phone and was told there was nothing they could do but close the account. I did not want to open an account as it will affect my credit score. I would like this account off of my credit report, as it is not one I authorized to be open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-10
Company: Nelnet, Inc.
State: DC
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 disputed the late or missed payment for the last 6 years. After reaching out against to dispute the late payment the process has taken more than 3 months to complete. After checking the error still has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: AMERISAVE MORTGAGE CORPORATION
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
AmeriSave I applied for a loan to refinance my home on XX/XX/2021. The initial conversations were great. Once I completed my initial upload of documents, things became extremely difficult. I did not receive any communication for a month. Once I did hear back, it was with a closing document with a floating rate. I was told initially we were locking in my rate at 3 % around XX/XX/XXXX. The loan processor stated " I am sure they are looking out for your best interest in getting you the best rate possible. ". This did not happen as my rate was increased immediately after that email. 

I went over a month sending constant emails and calling trying to clarify what was happening with my loan. I received no responses after daily emails and weekly voicemails. When I asked my loan processor to give me contact information for a supervisor to clarify documents and processes, he openly refused stating that he would never give me that information. 

After finally closing my loan I was told that my pay offs did not go through because my current back did not accept wire transfers and my pay offs would be late. 

I believe this company should be researched for fraud based on the behavior I saw while trying to complete my loan.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Real Estate Broker pulled my credit and it shows that I had and account opened on XX/XX/XXXX and they reported to my credit on XX/XX/XXXX for {$530.00}. I have not opened an account with XXXX in my name or given the consent to anyone else to open an account in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: LoanCare, LLC
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am behind on my mortgage one month, each payment is {$1300.00} plus and additional {$10.00} for the convenience of processing the payment through their online portal. 
I was looking through my statements and what bothers me is I received a letter dated XX/XX/19 showing I owed for XXXX but also was including the month of XXXX. The statement requesting the monthly payment 15 days before its technically due is miss leading. 
This could cause financial stress and lead to poor decisions for other home owners that dont fully understand their mortgage.

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 2019-07-10
Company: Early Warning Services, LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Early warning is reporting information thats not mines. I ordered my report and I called they said nothing on my report. But when I went to XXXX XXXX it comes up that early warnings has me in there system. I want them to stop reporting any information in regards to me. This is ruining my life

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX I tried to reason with M & T Bank. They wo n't accept a modification package from me.My First mortgage is current but they have no knowledge that M & T Bank has scheduled a sale date for XX/XX/XXXX to sell the home. 

This is second Mortgage I have been trying to work something about with M & T Bank. Each time it is a different person to work with. 

Can the second mortgage foreclose because of the subornation in New York? 
I made a payment to them XX/XX/XXXX and I thought I was on the right track. 

They are so very hard to talk with not to mention work out an agreeable term. 
When you call you have to go through about 6 or 7 people before anyone will discuss your account with 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 2018-01-25
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
American Express has froze all of my MR points across all of my cards. I was not given notice or a reason why my points are being held for review. Their reps would only tell me they will be held for 6-8 weeks ; reps would n't tell me when the beginning of this 6-8 week " review '' period began so there 's no way to extrapolate when it will end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-25
Company: Experian Information Solutions Inc.
State: WA
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:
This company refuses to provide proof of credit validation. 

They harass me numerous times during the day. 

I have sent validation letters in : XX/XX/XXXX XX/XX/XXXX They still insist I pay for this account. 

This is fraud.

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 2018-01-25
Company: General Financial, Inc.
State: WA
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:
This company refuses to provide proof of credit validation. 

They harass me numerous times during the day. 

I have sent validation letters in : XX/XX/XXXX XX/XX/XXXX They still insist I pay for this account. 

This is fraud.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-31
Company: Continental Finance Company, LLC
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I need this company to take this fraudulent account off my report I have reached out to them and have not gotten a response, I never opened this account and have send many letters fax and emails they have failed to reply to me and its because they dont have the documentation bearing my signature that I asked for ....

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 2018-01-25
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Citi Card received a payment of XXXX on XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I received numerous robo-calls about my payment- they did n't know how to process it. 
On XX/XX/XXXX I received an email with basically the same statement - they did n't know how to process the XXXX. 
On the dates of XX/XX/XXXX and XX/XX/XXXX I spoke with XXXX, XXXX and XXXX explaining the above. They gave me an address to mail the supporting documentation ( bank statement, and email stated above ) I mailed it on XX/XX/XXXX AND on XX/XX/XXXX - per XXXX I sent another payment of XXXX. 
On XX/XX/XXXX called again and spoke with 'XXXX ' (? ) and 'XXXX ' - basically they knew nothing and said I had to sent another cc of the bank statement, which I will do - but YOU need to know this smells deceitful to me. 
TWO payments and they have NO record? They do n't advise me about their investigation - I have to call them?! 
BTW, the number I 've called to reach the above people is : XXXX - they have not provided any answers, any help, they do n't know the CFPB ; they ca n't make any assurances about reporting THEIR mistakes on my credit reports and quite honestly this is MOST disturbing and frightening. 
PLEASE help 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 2018-01-31
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2017, I authorized a wire transfer in the amount of {$60000.00} from my bank account to my XXXX account. The wire transfer was rejected by XXXX, because the names on the accounts did not match. The funds HAVE NOT BEEN RETURNED to the original bank account. It has been over a month since the wire transfer was rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: ZINC Financial, Inc.,
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I sent the check to make my monthly payment to Zinc auto finance. I was called by their agency and informed that they did not receive the check and instructed to make an automated payment at XXXX. I agreed to do so because I wanted to make my payment. I was informed by the associate that my check would not be deposited. I found out that the payment could not be processed through a card but only by cash at XXXX so as you can see dated XX/XX/XXXX ... there was a withdrawal for XXXX which is my payment. Then on the same day my check was also deposited. I called XXXX XXXX XXXX and asked what had happened and asked for a reimbursement of one of the payments. I was told to call my bank and ask for a reversal. My bank informed me there was nothing they could do and to contact Zinc and ask for a refund and they would take care of the overdraft fees which total over XXXX dollars. I called Zinc back and explained what my bank had informed me. I was placed on hold for over 20 min and then hung up on twice " by accident. '' I was then directed to leave a voicemail for the supervisor. I proceeded to do so and explained my situation. She called back and I again explained what had happened. She informed me that there was nothing they could do for me. She said she spoke with accounting and they were unable to process a refund. I was literally in tears asking her if there was something she could do. I agreed to one payment not two. I am a single mother going to school and working and could not afford the double payment. I explained if she would reimburse me my bank would cover the fees. She said she would talk to the accountant again but there were no guarantees. I was just in shock that a company would take two payments and not reimburse one. These people clearly do not care about people they only want their money and will not stop at any point to get it. I am most definitely responsible for making my payment but I simply could not afford two. I highly recommend anyone looking for a bank to take a loan out with to look elsewhere unless you are ok with being treated poorly. I am still stunned at the way I was treated. They told me it was my fault for not putting a stop on the check when I was informed it would be documented that my check would not be cashed. The clerk who I spoke with on the phone had an attitude and told me " I did n't write the check. '' They asked me why I made the automated payment when I wrote the check and all I was trying to do was make my payment and be honest and be in good standings with these people. I am just downright surprised at how I was treated. I made another bank account to take care of other bills I need to stay afloat while making payments on the other account as I can. All because I was denied a return on a double payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-08
Company: EQUIFAX, 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:
I would like to dispute some items on my credit report because I am a victim of identity theft and did not make the charges. Please blocked these items to correct my credit report. Enclosed are copies of the report of identity theft supporting my position. Please investigate this matter and block the disputed accounts as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
My Bank Of America ( BoA ) account was in very good standing in terms of credit limit before the Covid pandemic crisis. My credit line then was {$9000.00} with an offer of 0 % Apr for 18 months. I reached a balance of almost {$4000.00} which I tried to pay off every month with my monthly payments of around $ XXXX {$400.00}. 

It was in XXXX that my financial crisis started due to covid and I missed a payment. That was when I incurred a {$25.00} fee and right there and then my credit line went down from {$9000.00} to {$2100.00}. 

After that one missed payment, I still tried to make monthly payments after that and still tried to pay more than the minimum. I wanted to settle my debt before the 18th month of 0 % to avoid incurring interest charges. Yet, as hard as I intend to pay it off, I reached the 18month and Bank of America did not give any consideration and I incurred a total of {$59.00} of fees and charges. ( Breakdown is listed below. ) And this is the reason why I wrote - to request to refund the amount of {$59.00} which is the total interest charges I incurred for 4 months for failing to make enough payments every month due to the same reason. 

When you call BoA, they promote an assistance for payment due to financial hardship and its so ironic that my request to have the charges be waived is not given any consideration. 

Previous credit limit before XX/XX/XXXX was {$9000.00} and now down to {$2100.00} Balance transfer amount XX/XX/XXXX 0 % promo ; Ended : XX/XX/XXXX Fees and Charges : XX/XX/XXXX - {$25.00} XX/XX/XXXX {$14.00} XX/XX/XXXX - {$9.00} XX/XX/XXXX {$7.00} XXXX - {$3.00} Total : {$59.00}

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 monetary relief
Consumer complaint received 2018-01-31
Company: Navient Solutions, LLC.
State: ID
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My original student loan was through XXXX XXXX in 2006. At some point it went to Navient. I have had several different payment plans with them to pay this never ending loan. I have paid way more than what the original loan amount was. On my credit report it shows up as several loans and several different charge offs. My most recent payment was set up as $XXXX/ month with no interest until the final $XXXX was paid off. I recently received a call from Navient saying I haven’t paid in forever and they need to set up another payment or pay in full. The lady on the phone was unreasonable and would not answer any of my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
hi transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless XXXX cant provide to my XXXX year old daughter and i started doing my research and XXXX usc XXXX i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2020-09-24
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have an identity theft issue from over 3 years ago someone is still using my name to apply for credit cards, cellphones, and car loans. I have filed an FTC and a XXXX Police report. My name is XXXX XXXX XXXX please delete any other names or variations of my name ( not my name XXXX XXXX XXXX XXXX. I currently live at XXXX XXXX XXXX   XXXX OH XXXX. I dont not live at the following addresses and they are fraudulent please delete immediately : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX 1914 XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX OLD XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the phone numbers they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX the following fraudulent account need to be deleted/removed : XXXX XXXX XXXX # XXXX XXXX-XXXX  XXXX # XXXX XXXX  XXXX XXXX  # XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX This is the 2nd or 3rd time I have had to address this issue, I never received any documents or correspondence from any of these companies. I have requested a freeze on my credit as well and please opt my name out of any promotional offers!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to work with them and all they do in give me the run around. I recently uploaded a third party authorization as well for my counselor so he can help me save my home! They refused to speak to him over the phone.

Company response to consumer: Closed with explanation