BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-08
Company: TCF NATIONAL BANK
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Have tried for over a month to receive a payoff letter for a loan on a camper trailer. Filed a complaint with CFPB XXXX SUBMITTED ON XX/XX/2020 TCF stated a payoff letter would be sent and the complaint was closed. To date the letter has not been received. Multiple attempts to contact TCF resulted in over an hour wait times, an inadvertent disconnection, a transfer of the call which resulted in a disconnection and an transfer of the call to to wrong " department '' at which time I was place back in the " holding '' queue. The account number is a XXXX  XXXX  account number and TCF continues to say I do not have a TCF account. 

I simply want a payoff letter, I have missed several opportunities to sell this item as a result of the abhorrent customer service of TCF and have no clear options for obtaining this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-24
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I am a XXXX XXXX XXXX on a limited fixed income. I applied for a best buy XXXX credit card about a XXXX ago so that I could XXXX XXXX XXXX. Ever since then I have paid between $ XXXX {$150.00} every month to keep up on payments. I have an auto pay set up now for {$150.00}. So with this in mind I assumed, ( HUGE MISTAKE ), I would be not only paid up to date but ahead! This far from the what is occurring. Even though I am making the {$150.00} I am also being hit with 25.99 % interest PLUS ... a 4 % interest fee for something I have no clue why!!! I am, as of this writing ( XX/XX/XXXX ),  almost {$1800.00} behind. I asked how I could catch up and was told that at my present payment it would take " about '' year. Guess they could n't calculate how long it would take. So I asked again what I could do to catch up so that I am not paying over {$35.00} in interest fees plus another 4 % per month. I was not given an answer. I fully understand that I made a purchase in XX/XX/XXXX, however, the interest fees were higher than the items I purchased. That is in spite of the fact I made a {$150.00} payment. I want it to be clear that I have never missed a payment on ANY of my bills. I always submit higher payments than the monthly minimum, currently, the minimum is {$58.00}. S this is how I see what going on .... {$1800.00} balance. {$150.00} payment minus at least {$34.00} in interest plus {$58.00} for monthly minimum payment. This comes out with {$58.00} left over to go towards future payments Am I nuts? This does Not seem appropriate considering I have NEVER missed a single payment. I was told that I had bought something, they did n't tell me what or how much it cost, at a certain interest rate and had XXXX months to pay that item off. Again, maybe I 'm XXXX or XXXX, but it seems to me with the payment amounts I make every month I should be well caught up. HELP PLEASE!!!

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 2017-08-15
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ERC has contacted my before for this same account. And just like before I told them I have never had an account with XXXX and I do not owe XXXX any money. I have been on my wifes account with XXXX for over 17 years. ERC removed this from my credit report and told me they were closing the account. Now they are coming back at me again 2 years later for the same exact thing. This need to stop. They need to remove this from my credit reports, they need to close this account and they need to leave me alone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ACCOUNT HAS BEEN DISPUTED BEFORE. ACCOUNT WAS DELETED BUT ACCOUNT IS STILL SHOWN ON 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 2021-01-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Wells Fargo lost my account information and refuses to fix it. I can not transfer money out of my account without physically going into a branch during a global pandemic. They 'investigated ' the issue for over a month and concluded that there is nothing they can do other than have me open a new account, which also requires me to go in person to a branch. 

Wells Fargo is a bad actor. They fraudulently open accounts in my name and then refuse to fix their error. Then they have the gall to suggest that I open another account as the only remedy.

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 2022-04-04
Company: BSI Financial Holdings, Inc.
State: NM
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
BSI financial did not pay my property taxes in XXXX causing me to come out of pocket to avoid penalties. I contacted them at the time to request a refund, was told it was processing, and never received any follow-up or the refund check. 

My next property bill is due XX/XX/10 so I called them to ensure my bill gets paid on time. The representative was rude and dismissive and told me they would send the check XX/XX/10 which is the last day of the grace period. I verbalized thats unacceptable and will cause me to be charged late fees if they wait until the end of the grace period to pay and he continued to dismiss me and insisted they could not send a check by the real due date and they only pay at the end of grace periods. I reminded him they never paid at all last time and Im trying to prevent that from happening again and he dismissed my concerns yet again. 

The bill should be paid by the actual due date, not the end of the grace period. If I wait until the last day of the grace period like they instructed me to and they fail to pay my bill yet again, I will have to pay out of pocket and get slapped with penalties. This company is notorious for mismanaging escrow accounts. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I had 2 accounts with this company. I requested to have both accounts closed on XX/XX/2021, however, the company only closed one account while the other remained open. With the company sleeping one account opened, they incorrectly reported a 30-day delinquency on my report. I have called the company and was told that they would send an update to all 3 credit bureaus to update the account as closed and with no delinquencies. 

The company reported the accounts as closed, however, the delinquency remains on my report and this delinquency is preventing me from maintaining my home loan preapproval and I need it corrected IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2021-05-14
Company: EQUIFAX, INC.
State: NV
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 have paid this account and it should be removed per their policy and what I was told in agreement to paying off the account. The account manager XXXX XXXX XXXX XXXX XXXX She stated that it was to be updated as agreed the account The website also states the new policy which is what the agreement was based on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
On XXXX XXXX, XXXX I purchased some tickets through XXXX for a show on XXXX XXXX, XXXX for {$300.00}. Due to medical circumstances I could not attend the show for which I purchased tickets and insurance. 

XXXX ticket company did not fulfill their obligations by forwarding the purchased insurance from XXXX XXXX XXXX. XXXX has not responded to numerous e-mails and phone calls. XXXX sent 9 pages of unreadable screen captures as their response to Capital One. 
No one at Capital One could read XXXX 's response. Not even Capital One 's " supervisor. '' XXXX claims ignorance. Six months later on XXXX XXXX, XXXX sends me an insurance policy that says the claim would need to be filed before the show took place in XXXX XXXX. 

Capital One resolved a dispute in a AXS 's favor even though the vendor did not provide a legible response. They did not contact me to let me know they had decided an outcome. They could not give me a reason why the dispute was decided the way it was. I 'm stuck in the middle three different XXXX dollar corporations that have my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: Audit & Adjustment Co. Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Amount of {$430.00} was owed to XXXX XXXX XXXX. Debt has now been inflated to double. I have been asked to pay interest, per state law I know I owe. Attorney fees, late fee 's and service fees are being applied to the amount owed. My state laws states that only fees can be collected if there is a written contract between the creditor and the debtor. No such contract has ever been provided to me from Audit and Adjustments out of XXXX Washington. An itemized list is not a contract of services owed. 

I have asked multiple times that they report to the 3 credit bureaus, but they have refused to provide a letter to me saying that they will report to even one once the debt was paid. 

Amount has now been inflated to {$980.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Bread Financial Holdings, Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This complaint deals with my Ann Taylor credit card at Comenity Bank. I paid the card balance of about {$300.00} on XX/XX/2019 -- one day late. I was assessed a late charge and a minimum interest charge of {$1.00}. I paid another {$27.00} in late XXXX, the late charge? I was traveling and didn't have the statement in front of me. 

Since that time, Comenity has been assessing a minimum interest fee of {$1.00} on what, I'm not sure and charging a {$27.00} late fee on a minimum interest charge, that is generated every single month on the previous month 's late fee!! This is absolutely outrageous!! I have not made any Ann Taylor purchases since XXXX. 

I called last month and the customer service rep reversed the fees, apologizing. I left the card open. Today, I got another bill for {$29.00} consisting of minimum interest charges and late fees. I called again, the customer service rep refused to reverse the late fee and the interest, so I cancelled the card. 

This practice is unfair, deceptive and abusive. I would like for Comenity to reverse any and all fees and interest charged to me since XX/XX/2019. I would also like for the CFPB to inquire into this practice by Comenity Bank, order restitution to all similarly situated consumers and assess civil money penalties against Comenity for a UDAAP violation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Capital one on my report is incorrect. 

This account is reporting to be charged off. If the account is charged off, how can it have a balance and how is it reporting every month. According to the law if the account is charged off and the company has charged it off it should not be reporting with a balance, Please correct the incorrect reporting on this account, The balance is incorrect as well. I spoke to XXXX XXXX Employee ID # XXXX and XXXX ID # XXXX and they both advised that this balance is incorrect. I also have a letter from the company dated XX/XX/01 that the balance is incorrect. WHy is it still reporting incorrectly. 

How is this verified, what is the method of verification? who did you speak to?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello Sir, I have lost {$1700.00} my money from my savings bank account. I am a bank of america customer. 

Someone just added as a XXXX  recipient and made two un authorized transactions. The moment i got a mail about someone added to my XXXX   transfer account, after few seconds recievied another mail, says {$900.00} sent to XXXX XXXX. after that i got another mail saying {$850.00} sent to XXXX XXXX. 

after 5 seconds, I realized this is a fraud transaction and called bank of america fraud claims, and filed a fraud dispute. 

now bank of america people saying that those transactions made from your device only. so we wont be able to do anything about it. 

I lost {$1700.00} of my own money because of bank of america security  issues. 
I want my money back. 
Please help me with 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 explanation
Consumer complaint received 2019-06-30
Company: DISCOVER BANK
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:
On XX/XX/2019 I made a purchase of three items from XXXX. On XX/XX/2019 I received a package from that merchant with the correct name and tracking number, however the contents of the package was not what I ordered. I contact the aforementioned merchant, explained the situation and was advised of the following : XXXX stated via chat that they understood I received the wrong items. They further stated thats I received the wrong package by error and that my package was still enroute. They advised to wait 2-3 business days and I should have the items I ordered, I simply received someone elses package by mistake is what they continued to advised. I proceeded to wait 2-3 business days, however the second package with the correct order never arrived. I contacted XXXX several times after that and was told they could not send a replacement order to me. 
I again explained that a package had arrived it just had the wrong items. 
I received no assistance from XXXX. I then filed a dispute with my Discover card. They stated that XXXX advised my order was shipped/delivered to me and they ruled in XXXX favor. I contacted Discover, who had incorrect details of my dispute and they re-opened my claim. Today, they ruled once again in XXXX favor. This issue is this, Im not contesting whether or not I received a package, Im disputing the charge because I did not receive what I ordered. I offered to send the incorrect item back however was told bun XXXX that it was not necessary and that my correct order will be arriving within 2-3 business days. 
The amount was {$290.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
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: Account status incorrect

Complaint:
Dear Sir/Madam : These are inaccurate reporting of late payments. Please remove the inaccurate late payment from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Experian Information Solutions Inc.
State: MI
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 got a recent report change from Experian that means The average age of your account is now 2 years 5 months I didnt open any account 2 years 5 months ago..! Please can investigate my SSN opened average 2 years 5 months ago, and let me know about your decision.

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 2018-01-05
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Per my statements, starting in XXXX, XXXX XXXX XXXX began implemented a minimum monthly charge without notifying me. Since I had not made any purchases using this card I was not checking my online account/balance. I was unaware and the minimum charge subsequently resulted in 3 months of late fees and delinquency which is now noted on my credit report. I already had 2 months of delinquency on this account so this extended period of delinquency has resulted in my FICO score dropping 120 points. XXXX XXXX XXXX did refund me the payments I made for the late fees and minimum charge ( {$7.00} ) but the delinquencies have not been removed from my account. When I contacted the company about this they had obviously realized their wrong doing and terminated the monthly minimum charges. Additionally, I had been enrolled in automatic payments for the minimum balance due back when I used the card more frequently but they were no longer being completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Tried to buy a video game sonsole through XXXX XXXX. Person under the name XXXX XXXX that actually lives in North Carolina XXXX possibly XXXX XXXX scammed me after I sent a partial payment for said console. He received {$360.00} through Venmo app, money that was supposed to be the first part so he could send the package through XXXX. I already contacted XXXX XXXX and Venmo app for assistance, but wanted to get more help since none of them could stop the payment right away when it happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: CREDIT ACCEPTANCE CORPORATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Credit acceptance reporting delinquent. All payments made on time.

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 2017-08-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CT
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2017 I want to bring this to your attention. I am a XXXX. I showed a couple a house then advised them to get pre-qualified for a mortgage so we can continue their home search. I then received this email from them : " XXXX called USAA to figure out what we were qualified for in regards to the loan and the person she spoke to informed her of a service that gives you money if you buy your first house using one of their realtors. The opportunity was too good to pass up so she ended up signing a non-compete clause with one of their realtors. '' This does not seem right that USAA convinces & pursuades home buyers to use their " preferred '' realtors by offering to give the buyers money. As realtors we are not allowed to steer clients or get any kickbacks from anyone in relation to real estate transactions. So how is USAA allowed to get away with this? They are stealing clients from good hardworking realtors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
My Wife upgraded her American Express Gold card to a Platinum card. During that process requested an additional card be issued in my name and provided all necessary information such as DOB and SSN to have the card issue. American Express sent a letter denying the request for the card and in the letter it instructs " if the additional card applicant would like to know the reason for our decision or has any questions they can call us at the number below XXXX. '' Twice I have called to find out the reason fr the adverse action taken against me as instructed per the letter. Each time they have refused to give me a reason for the adverse action. I pass every security question that is asked of me, yet they refuse to tell me why they are not issuing me a card.

Company response to consumer: Closed with explanation