BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-25
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My payment of XXXX is past due this month. I'm enrolled in direct deposits and they have billed my bank account before. I have two emails. One that direct deposit would come out on XX/XX/19 and one from XX/XX/19 that payment was received. On my online account, no payment is posted. I'm also not in the direct deposit ( which I don't understand why ) and those two emails above are nowhere to be found in my account related letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: EQUIFAX, INC.
State: PA
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:
Hard inquire on my Equifax report for XXXX XXXX XXXX on XX/XX/XXXX that is not mine as i have never applied for anything from them ever. Happened while i was on vacation to Mississippi. Returned home and had a card from XXXX XXXX XXXX addressed to a XXXX XXXX XXXX with my address on it. I have never heard of this person although we share the last same name. I will attach the card from XXXX XXXX XXXX and proof of my identity. I have called both XXXX XXXX XXXX and Equifax and have gotten no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Insikt, 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: Investigation took more than 30 days

Complaint:
I have filed a compliant with the three credit bureau 's and the investigation took well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: JPMORGAN CHASE & CO.
State: WI
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/XXXX I contacted Chase that there were unauthorized charges on my credit/debit card in the following amounts : {$260.00} XXXX XXXX {$300.00} XXXX {$470.00} XXXX {$480.00} XXXX I reported that my card was stolen. 

On XX/XX/XXXX I completed the enclosed form and was given a temporary credit on XX/XX/XXXX. ( see attached forms ) On XX/XX/XXXX I was advised that they would be removing the temporary credit. When I contacted them they advised that since the PIN was used they were legitimate purchases. I again advised them that my card was stolen and that I had not made the purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AP
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have contacted USAA at least 3 times regarding their sending of physical mail. Their site allows the option for electronic statements and each time I call, no matter what rep 8 get, I am told the same line .... " You shouldn't be receiving anything in the mail ''. I have contacted the CFPB before and got no success. I'm tired of my account numbers, address, military rank, name, insurance policy numbers and vehicle identification numbers being sent in physical form. USAA has demonstrated their lack of ability to control their physical communications and this increases risk to myself and countless others who move frequently due to military requirements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: General Motors Financial Company, Inc.
State: MD
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:
I have called XXXX many different times stating I have filed bankruptcy chapter XXXX which was discharged XX/XX/2018. XXXX  's foreign customer service representatives every time filed with the companies a dispute of ownership of the accounts. I contacted XXXX  to advise I filed chapter XXXX bankruptcy which was discharged and to add the same to my credit report. I also advised the representatives that I was not disputing owing the monies. I gave the representatives from XXXX  my bankruptcy case number, also. I am very frustrated with XXXX, hiring incompetent representatives. XXXX  took care of my request immediately. The companies still showing monies on my XXXX   credit report are XXXX XXXX XXXX XXXX credit card for {$2400.00}, XXXX  XXXX XXXX credit card for {$1200.00}, XXXX XXXX XXXX credit card for {$430.00} and GM Financial auto loan for {$9600.00}. Deletion of these accounts from my credit report is all I am requesting. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Today XX/XX/XXXX Capital One decreased my credit limit from {$12000.00} to {$5000.00} without warning. I have a XXXX credit score, the account in question was originally established in XXXX, I have never missed a payment, PLUS I pay my entire balance every month. This decrease directly affects my credit score, and this isn't fair AT ALL!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am in a process of buying a house decided to pay off my credit cards synchrony bank issue about several of them had them going on 3 years after I paid them off in full synchrony bank decided to closed them down all at once. with any warning no reason. call and spoke to them they was overly rude. and just kept telling me they are not obligated to tell me why they closed all of my account at once. I never once been late they said basically its the law for them to do what ever they want with there account

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 2019-04-17
Company: Avant Credit Corporation
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/XXXX Loan ID XXXX. 

Lender required Direct ACH Debit using my bank account. This is a violating the Telemarketing Sales Rule and the Electronic Fund Transfer Act by requiring borrowers to agree to recurring automatic debits of their bank account as a condition of obtaining a loan. 

Located on loan application. 

Note ; ( e ) you fail to keep in force a bank account we can use to generate electronic payments page 4 Full Force and Effect. This authorization will remain in full force and effect until we have received written notification from you of its termination in such time and in such manner as to afford us and Depository a reasonable opportunity to act on it. You may send written notificatio by e-mail to XXXX or by mail to AvantCredit, ATTN : Compliance Department,XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX Illinois XXXX. Upon termination of this authorization, you will be deemed to have selected the Remotely Created Check option below for all subsequent payments.page 3 This loan has since been paid off on XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Had an Apartment Debt with XXXX XXXX in XXXX, Ga owned by XXXX. Paid for deletion XX/XX/18 to XXXX XXXX XXXX XXXX Said it'll be deleted by next month reporting. Still on my credit. More Hunter Warfield is reporting on my credit with the same debt. XXXX XXXX said they never received payment. Called XXXX XXXX back, they said they submitted twice to be deleted, won't let me speak with a manager and extremely rude. This has been ongoing for 2months when clearly I paid to delete. Hunter Warfield won't delete because they said they didn't get the payment the other company did. Called back to XXXX XXXX XXXX and XXXX XXXX was entirely rude. Wouldn't transfer me to anyone else or a manager, escalated her voice both times I've called, and was very chastising.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-11
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: Information belongs to someone else

Complaint:
a company i am not familiar with, XXXX, who has just got sued by 38 states, has me listed as negative in my credit report. when i write them and ask to validate, they send me back a letter saying it has been verified, 2 different things. the credit bureaus are nothing but rubber stamps for these lenders as they send me the same garbage saying that it has been verified, instead of sending me documentation it has been validated

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I've been in the process from closing on a refinance with XXXX XXXX XXXX. Part of the refi includes paying off my TD HELOC ( account # XXXX ). XXXX XXXX XXXX and I have made several attempts to obtain a pay-off from TD Bank and TD Bank has refused to send me or XXXX XXXX XXXX the pay-off. As a result, I've been unable to close on my mortgage refi with XXXX XXXX XXXX. I stressed the importance of this when I spoke to TD Bank on XX/XX/2019 and was told a pay-off would be faxed to me at XXXX. 

This is the second compliant I have had to file concerning TD Bank. I feel that they are deliberately making it difficult for me to pay-off my HELOC and close on my mortage with XXXX XXXX XXXX. My previous CFPB complaint also resulted from general payment issues to TD Bank. XXXX was the last person I spoke at TD Bank Mortgage Servicing ( at XXXX am on XX/XX/2019 ) who again gave me the run-around saying a " request '' needs to be submitted to the " Pay-off '' department in order to obtain the pay-off. This was the SAME story given to me on Monday, XX/XX/XXXX and the fax was never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Pacific Union Financial, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to loss of income ( I am XXXX ) - I have been struggling to keep up with my mortgage payments. In XXXX, each month my mortgage was paid on time. In XXXX, I fell behind in XXXX. As of today, XXXX/XXXX/XXXX I owe the payment for XXXX, XXXX, and XXXX. Today, the mortgage company told me if I do not make a payment today, all 3 payments will be due on full by the end of next month and my mortgage will be forward to an attorney to start the foreclosure process. I advised that I applied for the Hardest Hit program, and they still advised they will proceed with the foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Gatestone & Co. International Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had purchased a Hotspot ( model Velocity ) at the XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX store, in full, with the unlimited plan on XXXX for {$130.00}, found that the device had no signal where I reside and returned the device under the 14 day return policy on XXXX ( within 7 days ) and was credited {$87.00}. Please see attached copy of my credit card statement. I was assured by the XXXX XXXX XXXX store employee that if I return the product and cancel at the store within 14 days that there will be no charges. I was not even aware that there was a restocking fee, as no one informed me. Please see their website regarding the 14 return policy at : https : //www.att.com/XXXX XXXX  XXXX I returned the product to the XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX store asking one of the agents to cancel the account and payed the restocking fee of {$45.00}. 

In early XXXX of XXXX I received a bill for {$140.00} and a letter that the balance will be forwarded to a collection agency ( please see attached ). I have called XXXX XXXX XXXX customer service many times, each time being put on hold and transferred to countless agents whom none of which knew how to resolve the problem. Finally after investing many days and hours I finally reached someone who was able to change the cancellation code in the system. Apparently, he said, the wrong cancellation code was used by the employee at the XXXX XXXX XXXX store where I purchased. Please refer to XXXX & XXXX recorded conversation associated with this account number for clarification. 

I am now harassed by Gatestone Collections on a routine basis even though I was assured by the last XXXX XXXX XXXX customer service representative in early XXXX that the collections account will be withdrawn. Even though the phone number is in my area code ( XXXX ), after some research, I found that Gatestone HQ is located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, ( XXXX ) XXXX. 

I sent a certified letter on XXXX XXXX, XXXX to retrieve the account from collections and cancel the debt to the following XXXX XXXX XXXX addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CEO XXXX XXXX. XXXX XXXX, Sr. Executive VP XXXX XXXX XXXX CEO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sr. Executive VP & CCO XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-11
Company: Kriya Capital, LLC
State: TX
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 do not know these account. These are hard to understand why they are appearing in my credit file without any identification and has a lot of missing information. I demand an investigation as to who is using my name and my information and using it to get services that will turn out in collections in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage on my home with BBVA Compass for over 20 years. Due to there errors on my loan, they stopped taking my payments. When i tried to resolve and filed a complaint with CFPD last year, they sent me a unclear explanation and my mortgage was paid off and a refund of over 9,000 $ was sent to me. I still owed 2 years on this mortgage.

On my 2016 income taxes, BBVA Compass said that i had paid them over 25,000 $ in payments. This is a blatant lie! They are doing something illegal and i dont want to be a part of it. I want this to be explained to me and the IRS why they falsly claimed these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Experian Information Solutions 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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2019-04-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XX/XX/XXXX USAA violated the Electronic Fund Transfer Act and Regulation E by  failing to properly honor consumers stop payment requests on preauthorized electronic fund transfers, and by failing to initiate and complete reasonable error resolution investigations. Their actions from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX exhibit unlawful behaviour similar to earlier behaviour for which USAA settled with the CFPB. A summary of the events which took place is below : XXXX XX/XX/XXXX - Home sale, mortgage balance paid off XXXX XX/XX/XXXX - Unauthorized transaction by mortgage service company for a paid off loan XXXX XX/XX/XXXX - USAA approves unauthorized transaction XXXX XX/XX/XXXX - USAA creates an overdraft loan in customers name XXXX XX/XX/XXXX - USAA creates a finance charge for their overdraft loan XXXX XX/XX/XXXX - USAA reverses overdraft loan and unauthorized transaction XXXX XX/XX/XXXX to XX/XX/XXXX - USAA insists the finance charge is legitimate and must be paid, refuses to reverse the fee, sends overdue balance to credit reporting agencies which reduces the customer 's credit score from XXXX to XXXX. 

In simple terms, USAA commited fraud and theft through clever use of timing of automated transactions on their ledger. By authorizing and then reversing third party transactions USAA is able to levy a very small fee on the customer who is told the fee can not be reversed. USAA then threatens to destroy the customers credit score if  they refuse to pay the fee, relying on the fact that the fee is so small it's easier for the customer to pay it than to fight it, thus extracting rents from their deposit holders.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: IN
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:
XXXX and Experian are both reporting that a paid satisfied account is reporting charged off.

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 2017-11-29
Company: Loan Science, LLC
State: FL
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:
I PREVIOUSLY COMPLAINED ABOUT XXXX/LOAN SCIENCE REPORTING AN INCORRECT 1ST DATE OF DELINQUENCY WITH RESPECT TO TWO STUDENT LOANS REPORTING ON MY CREDIT FILES. THE INCORRECT DATE OF DELINQUENCY XXXX/LOAN SCIENCE IS REPORTING IS XXXX XXXX. HOWEVER, THE CORRECT DATE OF DELINQUENCY IS XXXX XXXX. AS SUCH THE ACCOUNTS SHOULD NO LONGER APPEAR ON MY CREDIT FILES.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Experian Information Solutions Inc.
State: FL
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:
I PREVIOUSLY COMPLAINED ABOUT XXXX REPORTING AN INCORRECT DATE OF DELINQUENCY WITH RESPECT TO A XXXX XXXX REPORTING ON MY CREDIT FILES ( XXXX IS REPORTING AS XXXX ON MY EXPERIAN CREDIT FILE AND REPORTING AS XXXX ON MY XXXX CREDIT FILE. THE INCORRECT DATE OF DELINQUENCY XXXX IS REPORTING IS XX/XX/XXXX. HOWEVER, THE CORRECT DATE OF DELINQUENCY IS XX/XX/XXXX. AS SUCH THE ACCOUNT SHOULD NO LONGER APPEAR ON MY CREDIT FILES. 

I RECEIVED A LETTER FROM XXXX DATED XX/XX/XXXX FROM XXXX XXXX, DEPARTMENT MANAGER FOR CONSUMER COMPLAINT MANAGEMENT STATING THAT XXXX IS WAITING TO HEAR BACK FROM XXXX. IN THE LETTER XXXX XXXX STATES THAT I COULD CONTACT CONSUMER RELATIONSHIP ANALYST, XXXX XXXX. I CALLED AND LEFT SEVERAL MESSAGES FOR XXXX XXXX AND HAVE NOT RECEIVED A CALL BACK. TO DATE I HAVE NOT RECEIVED ANY FURTHER COMMUNICATION FROM 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 non-monetary relief
Consumer complaint received 2021-09-11
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/2021 my ending balance was {$140.00} and then on XX/XX/XXXX somehow my balance went to - {$40.00} after they charged me {$32.00} overdraft fees. I have these problems before they authorized any transactions without my consent and charged me overdraft fees. I dont have any funds on hold so how did my account goes from {$140.00} to - {$40.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Sa-Vit Enterprises, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sa-Vit collection failed to respond my dispute within the time frame provided.

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