BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bank of America has charged a overdraft transfer fee twice in one month, with no overdraft. Its my belief that BofA has written code to commit fraud against low income populations, the software they are using is placing debit/hold on funds in accounts in a attempt to cause overdraft charges. My account even with the frozen funds did not overdraft, I was still charged a fee. The representatives attempted to lie and claim that I had over-drafted the account, after realizing that they couldnt explain it both times the representatives admitted my account wasnt over- drafted. I received a refund however my account only has so many courtesy waivers, now if I overdraft I will not be able to get it waived. This was done with software that is probably stealing hundreds of millions of low income dollars. Bank of America has committed fraud against my account twice in one month. The bank has manipulated transactions and balances to cause overdraft fees to occur, this bank is predatory!

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 2019-06-22
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
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:
I have an auto loan with Credit Acceptance. In XX/XX/2019 my insurance company totaled the car out and paid them {$7700.00} leaving a balance of {$2900.00}. I have been trying to get them to update the credit reports as they are reporting the wrong information. We nor Credit Acceptance own the car any more the Insurance company does. So this needs to be corrected. Please report the correct information to the credit reports.

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 2019-06-22
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2019, I disputed a derogatory mark that is being listed on my credit reports by Credit Collection Services. The results of the dispute came back as 'verified and accurate '. Thus, because I do not owe this debt, my next step was to dispute the debt directly with the furnisher of the information. 

On XX/XX/2019, I wrote a letter to Credit Collection Services asking them to send me the documents that were used to validate this debt with the credit bureaus. I specifically asked for proof of contractual agreement and COMPLETE accounting of the alleged debt using generally accepted accounting principles. CCS received my letter on XX/XX/XXXX and in their response on XX/XX/XXXX, CCS didn't provide me with any of the requested documents nor did the company provide me any documentation to legally validate this debt. 
Instead, I was sent a 'final bill '.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have mailed multiple certified letters to Equifax and XXXX   regarding this issue multiple times. They are not getting the issue resolved. I have 22 inquiries from XXXX that I have no knowledge of or nor do I recognize the inquiries. There are only 3 inquires that I recognize from Equifax out of the 37 hard inquiries on my credit report. 
These are the dates that I sent letters to each credit bureau requesting removal : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: EQUIFAX, INC.
State: NJ
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:
I have an auto loan with XXXX XXXX. In XX/XX/2019 my insurance company totaled the car out and paid them {$7700.00} leaving a balance of {$2900.00}. I have been trying to get them to update the credit reports as they are reporting the wrong information. We nor XXXX XXXX own the car any more the Insurance company does. So this needs to be corrected. Please report the correct information to the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have tried to correct this numerous times with trans union as well as XXXX XXXX XXXX  to no avail. I was looking closer at the paperwork XXXX XXXX XXXX sent me per my request, and on top of it not being my account, it has being grossly re-aged to suite them. according to them I was in XXXX XXXX until XX/XX/XXXX, and I had an account with Nevada power which I didn't, now they reaged the account to the time when they got ahold of it in XX/XX/XXXX which is highly illegal. they feel like they can do what they wish with consumers and get away with it because they have the credit bureaus in their pocket. this is the last time I complain about this on here and seek an attorney if I have to. I need trans union to look into this correctly instead of just asking XXXX XXXX XXXX if it is correct.

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 2019-09-03
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, I have my several attempts to contact fed loans, I have written several letter that has gone unanswered, called numerous times and emailed the ceo and nothing has changed or been updated. I was under the unemployment deferment program due to being hospitalized and I had no income coming in, fed loans still reported my loans late and caused my score to decrease over 200 points. Which has resulted in me not being able to be approved for housing due to having low credit score as well as recent late payments. I have until XX/XX/XXXX to find a place to stay with the recent late payments and low credit score it will be impossible to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Currently, XXXX  and TransUnion a public record ( Bankruptcy ) that is not accurate and incorrect. I have sent letters multiple time over the pass five years to get this corrected and most recently called Transunion directly about the issue. I have contacted the courts and they can not find the case number, I spoke with the chief clerk of the court and she stated that they did not report this information to the credit bureaus, in fact she stated that they don't report any cases to the credit bureaus. I have asked both companies to tell me who provided them this information and refused to do so, however, they continued to lie and say they got this information from the courts. They also have accounts list with inaccurate information that are listed multiple times with different statuses. They have collections listed that I have continued to dispute that have missing data which I have never done business with. I have sent disputes to XXXX  about reporting inaccurate information just to be told they verified the information as accurate and I no it's not. I understand you ask for dates, however, I'm XXXX veteran who suffers from XXXX XXXX XXXX and my memory is affected, so I just ask you to work with 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 2019-06-22
Company: EQUIFAX, INC.
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:
Someone stole my information and opened accounts fraudulently and applied and created all kinds of inquiries in my name ... ..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
A charge from a XXXX ( XXXX ) on my Capital One Mastercard was processed on XX/XX/2022 when the account/ charge/ services should have been cancelled. Capital One sent an email on XX/XX/2022 at XXXX confirming the dispute. The email did not request any additional information from me. On XX/XX/2022 Capital One sent an email with a link to an updated document stating " ... We'll let you know if we need you to provide additional information to resolve your claim ... '' On XX/XX/2022 at XXXX Capital One sent an email stating that the dispute was denied. Capital One never asked for additional information. On XX/XX/2022 Capital One sent a link for me to upload additional documentation, this is the first time a request was made for additional documentation, and the request was made after I called Capital One and requested a process for sending additional documentation. I followed the link and sent a letter from the XXXX " XXXX '' requesting that the refund of the charge {$1900.00} be credited by to my Capital One Mastercard account. Additionally, the letter originally sent requested that I hold onto any documentation for at least 90 days. " XXXX '', the XXXX XXXX sent the letter requesting Capital One refund the charge on XX/XX/2022 well within the 90 days requested to hold onto documentation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-20
Company: TD BANK US HOLDING COMPANY
State: TX
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:
I noticed on some fraudulent charges on my credit card with Nordstrom and called in and ask them to dispute few fraudulent charges and spoke a investigator named XXXX and he is so rude and XXXX and has a XXXX  attitude with me and wouldnt let me talk to a supervisor and refused to let me appeal my fraud case and I sent in the documents and my ID and my bills to Nordstrom and within weeks my case was denied and I was rebilled for all the charges from XXXX and XXXX XXXX  and I never did business with them ... now I will not pay this bill and I refused and I will take legal actions if I have to because I dont have any dispute rights or appeal rights with Nordstrom and I send hime Documents and he was rude to me and unprofessional and I didnt get a call from a supervisor at all ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: CrossCountry Mortgage LLC
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
My anger is not over the fact that my loan was denied. What I felt was unprofessional and rude was the total lack of communication exhibited by the mortgage company. 
At one point, I didnt even know who we were working with. At first it was this one lady, then the situation got handed over to another lady who didnt even have the sense enough to clear her phone messages! 
The first agent would not even respond to an email I sent her concerning a possible scam situation. Neither would take calls from me or my wife! 
They knew there was a bankruptcy involved, but didnt start asking in detail about it until I had paid for an inspection and an appraisal! 
Finally I called the branch manager, who was just as rude, insensitive and uncaring as his subordinates! Early in the process they give you a closing date. He is quick to claim how high CrossCountry rates with the VA. 
Nearly ten days after the supposed closing date, I finally get a denial letter. I can handle my disappointment, but I feel badly for my wife.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Flandreau Santee Sioux Tribe
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
More than twice a day, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have repeatedly informed Rushmore Financial my employer doesn't approve of these phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: Byrider Franchising, LLC
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:
An automobile account listed under CNAC-XXXX XXXX on my credit reports is showing as charged off. This account is for a vehicle that was totaled. I was covered fully under my insurance at the time. The insurance said the vehicle was covered. When I spoke with JD Byrider/CNAC initially about the account, they also said the insurance would cover the remaining balance because it was totaled. Since then, CNAC has reported to the credit bureaus that there is still a balance owed and has since increased the balance. I do not have any agreements with CNAC-XXXX XXXX and am therefore not responsible for this account. This should be removed from my credit with all three credit bureaus. I reached out to CNAC numerous times to explain this to them and have told them numerous times that I am not responsible for this account. I am a XXXX veteran and I have tried to get this done for a few years now.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Experian Information Solutions 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 information incorrect

Complaint:
For all three credit bureaus ( XXXX, Experian, XXXX ), my account balance for a XXXX XXXX XXXX XXXX closed account has failed to be updated to {$0.00} ( XXXX XXXX  XXXX, REPORTED BALANCE {$720.00} ). The balance was paid in full in XX/XX/XXXX and I even received a letter from XXXX XXXX   XXXX XXXX dated XX/XX/XXXX advising that I don't have a balance and that my credit reports will be updated to show my {$0.00} balance. A telephone call with a representative from XXXX XXXX months ago suggested they had already reported my {$0.00} balance back in XX/XX/XXXX, yet my credit report from each credit bureau has yet to be updated. Furthermore, I've disputed the account balance multiple times with no success.

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 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
For all three credit bureaus ( XXXX, XXXX, Transunion ), my account balance for a XXXX XXXX XXXXXXXX XXXX closed account has failed to be updated to {$0.00} ( XXXX XXXX XXXX, REPORTED BALANCE {$720.00} ). The balance was paid in full in XX/XX/XXXX and I even received a letter from XXXX XXXX   XXXX XXXX dated XX/XX/XXXX advising that I don't have a balance and that my credit reports will be updated to show my {$0.00} balance. A telephone call with a representative from XXXX XXXX months ago suggested they had already reported my {$0.00} balance back in XX/XX/XXXX, yet my credit report from each credit bureau has yet to be updated. Furthermore, I've disputed the account balance multiple times with no success.

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 2019-06-22
Company: Flagstar Bank, N.A.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Flagstar acquired my mortgage from another lender ( I had no way to object to this ) on XX/XX/2019. 
We were acquired from XXXX XXXX. We pay half of our monthly payment every 2 weeks. There are 26 weeks in a year and we make 24 half payments. This gives us the month of XXXX with no mortgage payment. We use that money for XXXX gifts. 

With Flagstar Bank I can't make a half payment. When I make an early payment. The payment is credited to principle not to the next due payment. Then when the actual payment is due they say I'm late and charge me {$50.00} along with attempting to get another payment or have my credit report tarnished. I have to call to have them credit the early money toward the monthly payment not the principle.

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 2020-07-16
Company: CITIBANK, N.A.
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:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

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 2019-06-22
Company: Rocket Mortgage, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I wanted to refinance with cash out. 

Quicken loans sent an XXXX and appraisal report came out lower than what comparables should have been, because the XXXX used smaller floor plans instead of same floor plans. 

When I researched I found out that Quicken hires and uses XXXX XXXX, which is a parent company. 

There is a clear " CONFLICT OF INTEREST '' since Lender/Client and XXXX are working for the same company!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase has an account called Vault, where you put some extra barriers in place to protect against malicious withdrawals. I recently transferred some funds to my Coinbase Vault, but Im unable to access them because i dont have access to an old work email address ( the second of two email addresses tied to the account ). I do have access to the primary account email.

I contacted Coinbase several weeks ago and Im glad to provide any needed identity verification. I have received no response and so my funds are inaccessible to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
I have attached a PDF file containing a detailed account of my complaint. This complaint involves American Express and XXXX Visa in relation to their response to the unethical consumer practices mentioned herein. If they had protected my interests and stood up to these businesses, as is stipulated in the cardmember agreement I signed, I would not be facing the issues I am now. This is both an issue of ethics ( on their and the other businesses ' parts ) and my financial/consumer rights ( as well as my rights as a person with a XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: DISCOVER BANK
State: TX
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 balance transfer

Complaint:
I applied for a Discover Balance transfer to pay off my XXXX account of {$18000.00}. 
Never got ANY KIND OF ACKNOWLEDGEMENT OR REPSPONSE -- So I applied to XXXX  XXXX XXXX for the same thing. 

I got an immediate answer from XXXX and the transfer to XXXX for {$18000.00} happened on XX/XX/2019. I got a statement and started paying XXXX last month. 

Last week I got a statement from DISCOVER for {$18000.00} I called XXXX and they said I needed to call XXXX to have THEM send the money back. So I called XXXX who said I needed to call Discover back and have them cancel the transfer. 

So I called Discover back today and spoke with a supervisor. She said they are not able to cancel the transaction because it was done on line NOR could they credit me the {$540.00}. We all know this is bull. 

SO now, have 2 - {$18000.00} balances needing a payments made to and no one to help me. 
NO ONE should be allowed to do this without any kind of confirmation, which I asked them for but they do not have. 
I think Discover CAN cancel this transaction but they refuse. I am XXXX years old and feel they are taking advantage of a senior citizen. 

Please help

Company response to consumer: Closed with monetary relief