BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-11
Company: Cactus Jacks Auto Sales
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
On XX/XX/2021I purchase a vehicle from a buy here pay here auto lot call Cactus Jack 's. I put down {$2000.00} and my credit isn't so great so they financed me in house. When I purchased the car and gave them my {$2000.00} I was informed by them that because I didn't have a license they couldn't Finance me for more than {$10000.00} and that they were giving me 30 days to obtain a license. Well two days after I purchase the vehicle the check engine light came on and crack started acting real funny I called down and spoke with XXXX The Man Who Sold me the car he said bring the car down and we will give you your money back or we will put you in a new car well anew car to me. Well because it was the weekend they said bring it in on Monday of course during the weekend Tollison Police Department illegally towed my vehicle 4 not having ever had a driver 's license in the United States of America according to their system as soon as I got home I produced documentation to Tolleson PD they released the vehicle to Cactus Jack 's since then Cactus Jack 's has done nothing but harass and try and the little and confuse me with task to get my vehicle I have done everything they asked and at the end of the day when everything was met they refuse to let me make my first payment and said I have to pay the entire loan off of {$12000.00} and that is the only way I can get my vehicle I've committed no crime I've done nothing wrong I have produced every amount of documentation they need it please help me they're trying to scam me and my {$2000.00} I am a single father who is fighting XX/XX/XXXX and a veteran they know these things and still refuse to help me I repeat I have broken no laws and I've done nothing but get my money is taken from me and vehicle now they won't speak with me without me having legal representation according to XXXX XXXX finance manager

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Citizens one sent me a letter in respect of non-payment of the " Property Taxes. '' Not only I do not have a tax dues rather no bill even sent in yet ( according to the city office. ) This can be confirmed by calling to XXXX XXXX XXXX @ XXXX. The person I spoke to in the city office is XXXX. 

The main complaint I have against Citizens one is there non-existent customer service and wasting customer 's valuable time. The contact phone # : XXXX provided in the aforementioned letter never connects to any one in their Real Estate Tax office. It just disconnects after going through all the menu options. It 's to mention that the same complaint in writing was made to Citizens One previously, and I was promised that this problem will be rectified. It appears nothing had been done other than constant harassment of the customer. I can be reached as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX : XXXX Fac : XXXX E-mail : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello, I am very disappointed in citi bank. I opened up an online account XX/XX/2022 and received the card XX/XX/XXXX. I activated the card that sunday which was the XXXX. I then transferred my money from cash app to the citi bank card, which was XXXX XXXX later that day I tried to make an deposit of XXXX $ and it said invalid card. I tried is 3 times. it said the same thing. Then, I tried to transfer XXXX back into my cash app card to use it and it said contact your bank because it coud'nt be transferred. I called the citi bank and they told me they blocked my account because there were restrictions for cash app and XXXX. I was confused because I was never notified about those restrictions. I cried to them begging them because I don't have any money now. I told them that money was for rent they then told me sorry I have to wait 60 business days for a paper check. They hung up on me with no resolution. Very rude and out of order. Monday, XX/XX/XXXX. I had to call out of work with no money and walk to the citi bank. I spoke to the teller, and she called the fraud department. They were saying I have to wait 24 hours for an answer. I called the following day and they said the same thing and hung up on me. I've been calling ever since. Still no resolution.

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 2019-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have written a check to myself from another bank account and deposited to my Bank of America account in order to move money within maybe a business day because typically this is what happens, and Bank if America has put a hold on my check for more than 10 days. 
This is an extremely long hold and it exceeds the hold within federal law of 9 days. 
Bank if Americas policy is that checks with less than XXXX XXXX funds should be made available within 3 days. My check was XXXX usd. This hold they put on my check is preventing me from paying my rent on time and causing me to pay a late fee to my landlord. 
This is absurd and they are not willing to help at all. I have tried calling them to see if they could release the hold and they simply say no theres nothing they could do.

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 2021-08-04
Company: EQUIFAX, INC.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
4th attempt on correcting the compromised credit file. my lic is on record with all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Complain against : Comenity Bank XXXX XXXX Card I paid on time, but Comenity Bank failed to applied my payment. After I replaced payment, Comenity Bank failed to discard the XXXX payment but tried to deposit which resulted in being returned, then Comenity Bank charged me Returned Payment Fee. I have disputed with Comenity Bank multiple times in phone and letters, and online messages, but Comenity Bank denied my dispute, and continues charges me Late Fee and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: ALLY FINANCIAL INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have several hard inquiries on my credit with the date of XX/XX/XXXX and I never authorize them to check my credit. They did it with out my consent.

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 2017-10-31
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing with GLA Collections for several months to verify the debt they are claiming I owe on past XXXX XXXX. The dates of service are as follows : XXXX : XXXX $ XXXX XXXX : XXXX $ XXXX XXXX : XXXX $ XXXX Since my first dispute, I have yet to receive any contracts or explanations of debt bearing my signature, certifying I owe this debt. I have since filed complaints with the police and FTC in conjunction with their unwillingness to cooperate. I demand that the derogatory items be removed from my credit reports with all XXXX bureaus, due to failure to comply with my ongoing requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Want to continue with my investment account with XXXX but am unable to transfer funds due to the fact my bank does not want allow it. Believe this decision should be Ultimately up to the account owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been on a payment plan for my student loan for almost 11 years, working for a XXXX company that qualified and verified me for the PSLF program. I checked with the loan servicers ( XXXX ), and the said that I have been making the proper payments to qualify me for this, that I should be at the payment requirement within the next few months. I had recently had my monthly payment increase again, so applied for a lower monthly payment plan, which I was moved to for a few months - then upon finding out about hte PSLF program, I had it moved back toan eligible payment plan, as I was told that it was on before the change - for the past 10 years. 

After verification by the new servicer, fedloan servicing dept, they claimed that I have only made 5 eligible payments over the 10 years I have been repaying the loan. When opening a chat session with support they said they solicited a canned response and promptly ended the conversation when I requested that this issue be escalated to a higher up. 

So now, they are saying that my loans wont be eligible until XXXX, by then they will have been paid of - making this program effectively useless for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: HUNTINGTON NATIONAL BANK, THE
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: Old information reappears or never goes away

Complaint:
I have a serious problem and I have tried to get the attention of the data furnisher and have had no success, which is why I am now coming to XXXX. 

I have attached a screenshot of the tradeline that needs to be removed from my credit report because it is over 7 years old. I went XXXX XXXX XXXX, XXXX and this item should not be on here. I also went through a divorce and do not hold ownership in this property that this loan is attached to. This is harming me in many ways and I am trying to refinance my current home so that I may get a new roof before winter hits in full force here in Michigan.
I 'm respectfully requesting that XXXX remove this out of date information from my credit report. It also belongs to my XXXX and not me. 

This is causing me a lot of stress and I am also a XXXX XXXX XXXX XXXX here in Michigan. 

I AM ALSO REQUESTING NO PHONE CALLS, PLEASE COMMUNICATE BY MAIL ONLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: BANK OF THE WEST
State: IA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XXXX XXXX we got orders that XXXX for iowa XXXX XXXX was imminent, month long guard before XXXX. In planning, a car loan through XXXX XXXX XXXX was contacted. We were told that we can defer the loan for time of XXXX of 400 days. In waiting for orders we attempted defferment in XXXX XXXX. The paperwork was lost and in XXXX we made XXXX payment. Tried to differ XXXX payment and it was n't applied till XXXX XXXX once again lost by company. After updating payments we sent in orders we now had in beginning XXXX XXXX XXXX seperate times per request of XXXX XXXX XXXX They said they were processing them. Many times we got calls for payment each time notifying them that we are waiting for deferment. They noted account transferred to management spoke with them. This went on till end of XXXX XXXX. I recieved yet another phone call. A ski, XXXX  them to please get this strainghtened out now. They notified me there is no deferment  and we need to pay approx {$1300.00} in back loan payments for it to be taken off credit report. This has negatively affected me as the significant other/co borrower and the XXXX XXXX national guard service member. Our credit report has been negatively affected and he is now worrying about this instead of the job he is there to perform. It could have been avoided by not giving false information by 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 2022-03-12
Company: EQUIFAX, 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:
XXXX , AC # XXXX, DO : XX/XX/XXXX, Amount {$840.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$22000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount:XXXX, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$2500.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX locked in a rate XXXX signed a rate lock extension XX/XX/XXXX have not received any updates I am in the process of refinancing VA to conventional. I locked a decent rate in mid XXXX. I have filled out and returned all documents asked of me in a timely manner and they had to do a 14 day lock extension. I have had 4 different customer advocates. I have not spoken to my loan originator once. It is very difficult to get anyone to email me back or get in touch with anyone at their company. Every time I call they state that they do not have an assigned customer advocate for me. I have gotten a number for a refrigeration company in XXXX. It was the number this mortgage company gave me. I have tried everything including a complaint with a manager and she stated this loan would be expedited back in XX/XX/XXXX. Rate lock ends XX/XX/XXXX and because of the rise of interest rates in the last 3 months I truly believe they are doing everything possible to keep me from receiving this rate. I even tried to refinance with another company in XXXX but because of the rise of interest rates they were unable to match it.

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 2017-10-31
Company: DLC, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took a personal loan with Dollar Loan Center. I knew this was going to be high interest rate. But with the way they are charging me it is obscene. I took the loan in XXXX and they want me to pay weekly but it is reported monthly on credit. If you are 12 hours late that week they call harassing me. I had my mother in hospital so they were paid 3 days late while we did not know if my mother was going to make it screaming at me on the phone telling me I had to go in the store and pay them now. I also requested to pay monthly instead of weekly and they refused. It should be monthly not weekly. They harass call family members and I have never been over 30 days late. Since paying weekly or bi weekly The loan was for XXXX To date since XXXX/XXXX/XXXX I have paid them XXXX And online it still states I owe them XXXX!!!! I pay a little extra each week and still owe them more. They do not send statements and I can not see how they are applying any of these funds. Nothing is being applied to the XXXX only interest which is still more than I borrowed after paying them XXXX This is loan sharking!! This money needs to go on some principal by this point or it will never be paid off!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
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: Information belongs to someone else

Complaint:
Over the course of 30 days I have filed a dispute in regards to inaccurate and false information on my credit report. Ive attached a copy of my dispute mailed in certified to Equifax and they are still reporting these incorrect items. According to the fair credit ACT, section 609 ( a ) ( 1 ) ( A ) they are required by Federal Law to only report Accurate information and the have not done so. They have not provided me with any proof i.e. and original consumer contract with my signature on it proving that this is my account.

Further more, I would like to make a formal complaint that Ive tried calling Equifax Over 10 times this week and every single time Ive called Ive asked for a representative in the fraud dispute department wants transfer it over there when you speak to the representative and let them know that you are looking to dispute inquiries and accounts due to fraud they immediately transfer you to their survey line essentially ending the call. I believe Equifax is training their representatives to not help consumers over the phone and performing unethical practices. 

Once I finally got a hold of a representative she told me that she could not help because I did not send in my Social Security card which violates my consumer rights. So Im Making a formal CFPB complaint that you will correct Equifaxs actions. 

Below Ive written what is also included in the files uploaded, my disputes for inaccuracies on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I refinanced my mortgage to save XXXX a month.Since then my life has changed because of an escrow shortage that occurred during the transaction with the title agency that failed to pay a quarterly period of my taxes for the approx. amount of XXXX. This particular loan was originated among many other Companies that handled this predatory loan and was not discovered from me until 6 months after the cycle period came due to me during the process with 3 other banks at that time. At this time my lender Freedom Mortgage has this loan and was supposed to help me by going into a forebarence plan and then getting a loan modification to reduce my monthly payments, because my payments had increased from this misfortune for me. I have been on this plan since XX/XX/XXXX and now being told that the loan modification may not save me money. I have already had 2 so called " point of contacts '' and am becoming very skeptical as this is becoming more serious for me now almost 3 years later..I am making many attempts to resolve issues and have became disabled from the stress, bankrupt and on food stamps. I actually ran out of computer supplies and offered to travel to an office in NJ to complete any paperwork ... I really do not like to complain or get worked up but I desperately need some kind of advice or help from a reliable source. I also did even make an attempt last year to avoid this matter but ended up losing my second home since the cost of a lawyer 's fee would have been beyond reasonable. And I will be damned if this causes me to lose my primary residence. I was recently referred to a company who asked me for money to modify my loan and raised a series of red flags for me and did n't seem like relief programs to me and it seems there is no relief. I can no longer keep up with explaining the hardship something like this can cause and being unable to walk long distances to even fight for my rights has become difficult so if anyone does read this I am only seeking proper relief and the correct source to help take actions.

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 2022-03-12
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Attempted to use my Discover XXXX card and was declined. 
Called Discover directly, because I was confused and concerned that fraudulent activity may have occurred. 

Spoke with XXXX, who told me my account was closed for inactivity - he also said that correspondence was sent, along with an email. The last emailed recvd was XX/XX/20 & XX/XX/20, advising my covid relief had ended. I never received correspondence via US mail or any other shipping entity. 

I was then transferred to another XXXX who wanted me to apply for another card - adding insult to injury ... my score declined due to closure, and my score would decline if I applied for another card. 

An issue like this tends to be systemic and XXXX many times. It is exhausting as a minority to receive the same consideration that non - minorities take for granted. 

I am absolutely tired of being invisible and dismissed - all of my XXXX  scores are in the XXXX range. My wife and I have three other Discover accounts in excellent standing - this account was in excellent standing. 

I will also be filing a complaint with the FTC. It seems that I am only seen OR heard when I leverage goverment paths like the CFPB or FTC.

Company response to consumer: Closed with explanation