BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The three credit reporting companies had confused my identity with my brothers because we have similar first name and last name and we live in the same household.However we have different date of birth and social security number. XXXX  has resolved the issues but XXXX and Experian still confusing our identity. 

I can not access XXXX because it can't identity me with my social security and date of birth.When I try to login, they either can't find me in the system or they confuse my credit report with my brothers.  So when I input my information they take me to my brothers credit report. 

Experian has my brothers credit report and my credit report combined together. There are accounts that belong to my brother and there are accounts that belong to me but however Experian has all information incorrect. They have my brothers date of birth and name on my report when I try to pull the report with my social security and date of birth. 

Example of Personal Information displayed in experian.com which is incorrect : Name XXXX A XXXX Also Known As XXXX XXXX XXXX XXXX XXXX Birth Year XXXX Employer ( s ) XXXX Address ( es ) XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Statements Personal Statement ( s ) No Statement ( s ) present at this 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 2019-05-07
Company: ERC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection is unknown. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove

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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
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 recently filed a credit report dispute against USAA. First and foremost, they took longer than 30 days to provide a response as documented on my previous CFPB complaint. A direct violation of the FCRA. Secondly, they provided ZERO evidence on the investigation and just claimed they " conducted a thorough investigation ''. They also lied on the investigation report. 

" After making telephone calls and sending you notices about the past-due payment, no payment was received. '' " After making telephone calls and sending you notices about the past-due payment, no payment was received. '' " It is important to note that there was no record of you contacting USAA FSB to request payment assistance or to report fraudulent activity on your account. '' " ... our Bank XXXX XXXX staff conducted a thorough review of your credit card and confirmed that USAA FSB handled your account within established policies and procedures. '' -Let me explain how false these statements are. When I initially realized that I wasn't getting paid from the XXXX, I called EVERY SINGLE financial company that I had a loan out with. I contacted XXXX XXXX, XXXX XXXX, AND USAA. I am in the process of collecting logs from both XXXX and XXXX to prove my claim. If I called these 2 companies that I was going through a financial hardship, why wouldn't I call USAA? I even got on the XXXX financial hardship program. Secondly, the lies about the phone calls are absurd. Where is the proof that I answered the phone? I was in XXXX XXXX with a XXXX XXXX SIM card in my phone. Why wasn't an email sent? Lastly, they took over 30 days to conduct an investigation, almost 60, where are the results of this " thorough review ''? What were the procedures used? Please provide a detailed description of the procedures used. 

If this does not get resolved with this CFPB complaint, my next action will be to partner with a lawyer to pursue legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Have contacted XXXX XXXX the third party who purchased XXXX debt and delete number out of times. Sent XXXX my bankeupcty and have XXXX XXXX in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-06
Company: Synovus Bank
State: DE
Product: Credit card
Issue: Delinquent account

Complaint:
At one point I had troubled credit. I applied for a First Progress secure card. I started out with a {$300.00} limit due to that being the amount of my deposit. I fell on hard times and was not able to continue to pay. I stopped paying the card in which I assumed the deposit would be used to satisfy the debit and account would be closed. Now they are report the account as charged off due to late fees that accrued on the account for XXXX months. In addition, with the item being charged off they are reporting the items as currently delinquent. My problems are below 1. How can a company report something past due each month if the account is charged off 2. How can a company over draw a secure account with fees if the usage of the account never let me overdraw the account? 
3. The company was not able to reproduce my original application to show validity of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I PURCHASED A CAR THRU XXXX XXXX XXXX IT USED SANTANDER CONSUMER USA TO FUND THE LOAN ... I HAVE BEEN CALLING THIS COMPANY FOR THE LAST 4 MONTHS INORDER, TO RECIEVE A CURRENT STATEMENT ON MY VECHILE LOAN ON A MALIBU CHEVY CLASSIC XXXX I BOUGHT THE CAR BACK IN XX/XX/XXXX STILL MAKING PAYMENTS.. MY ACCOUNT IS CURRENT AND NO FEES OWED ... THEY STILL KEEP LYING ABOUT MY MONTHLY STATEMENTS ..I HAVE TALKED TO MANAGERS.. ECT.. NO HELP I BELEIVE, I HAVE OVER PAID THIS CAR LOAN.. THE CAR SOLD FOR XXXX AND I AM STILL PAYING ... THEY '' SAY I NOW OWE XXXX '' BUT THEY WILL NOT SUBMIT AND CURRENT STATEMENT TO ME AND KEEP LYING SAYING THEY ALREADY SENT IT SINCE, XX/XX/XXXX ... AND I STILL HAVE NOT RECIEVED NOT ONE, COME ON ... THEY ARE RUDE AND MAKE YOU FEEL LIKE YOU ARE THE PROBLEM THAT NEEDS TO GO AWAY ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
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: Was not notified of investigation status or results

Complaint:
I have disputed an account from my credit report that is still there and per the laws incorrect and inaccurate info would be grounds for removal and this has not happened. Not only has it not happened I have never received my investigation results. One of the times I even sent out the mail via certified so I know they received my letters. I never received my first set of responses so the second set I mailed certified. I'm asking my XXXX XXXX XXXX account I'm disputing to be deleted for it's inaccuracy and for the lack of response. 

I sent out the first set XX/XX/20 2nd set- XX/XX/20 3rd set XX/XX/20

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 2019-05-07
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
In XXXX on XX/XX/XXXX I purchased a XXXX XXXX/Original XXXX purse with a light blue prairie lining online for {$130.00}. I used my XXXX Mastercard for the purchase. The receipt confirmed the purchase of this purse. Months went by and nothing arrived. Then I received a cheap red plastic tote from a company in XXXX. The merchant admitted fault for both the delay and sending the wrong purse. The purse that I ordered was sent to someone else. The merchant never sent the right purse and did not issue a refund. I e-mailed the credit card company by logging into my account and the asked me to send a letter. I sent a letter in mid XX/XX/XXXX but so far there has been no further correspondence or a refund. I am a XXXX XXXX and now traveling in XXXX and XXXX until XXXX so I need to have this resolved so that I have the money refunded for travel. 

Here is the disputed transaction : XX/XX/XXXX XXXX XXXX XXXX Charge {$130.00} XX/XX/XXXX FOREIGN TRANSACTION FEE Charge {$3.00} Also, when I called the XXXX card to report fraud, there was a major problem with their phone system and I was repeatedly routed through an advertisement for a {$100.00} shopping card for {$1.00} and never reached a human. Every time I tried to navigate through the system to reach someone I was sent back to this same advertisement that kept repeating. 
After 30 min still no human to speak with. There was no way to connect with anyone. The XXXX card site says that its call center is open 24 hours a day. But I called at XXXX in the Midwest and could not reach anyone. 

Next, I had no clue that I was purchasing from XXXX and was surprised by the foreign transaction fee. The merchant should have disclosed their location and needs to be held accountable. 

Finally, they over-charged me. The purchase was {$110.00} and they billed my card for {$130.00}. They also send a weird e-mail saying that my purchase through XXXX would appear on my card as XXXX. So no aspect of this transaction was transparent -- the vendor even used a fake name. 

Here is how the charge also appears : XXXX XXXX XXXX XXXX XXXX Total {$130.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-13
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Santander Consumer USA- Financed me and my mom as a co signer. 
I had the car for about a year and got into a car accident, the tow truck driver that tow my car stole my car and took it to a scrap medal place and got {$500.00} for the car. He texted me it. Santander knew what was going on because they even had to get their lawyers involved because they could n't get the car back from this tow truck driver. Now They have try to stick me with a repo for something me and my mother had nothing to do with. I am a single mom with XXXX kids and unable to get a car because of this. Santander is very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have had this account for years until recently I started at a hotel and they let you pay cash and hold {$75.00} off your card for issues accrued. Mid stay I noticed they were charging my card and I was paying cash I only discovered it because I went shopping and my card was getting denied so I called and discovered the amount that I knew I had on my card wasn't there because XXXX XXXX and XXXX was charging my card the daily room even though I was paying cash so they were getting paid twice a few items I disputed I disputed an amount and my money was credited back and then the hotel went in a did a hard hit on my card making it negative the exact amount combined that I just disputed so when card company credited it again the money essentially went right back to the owner cause we all know if have a negative account as soon as money is added or credited to your card the negative amount is paid. I went back and forth with this for months with no resolution except to tell me the creditor said the charge was valid and most of the time that was true but they didn't tell that they had already been paid in cash. This hotel has alot of complaints from guest complaints regarding charges that were not authorized. I wish I had looked them up on the XXXX XXXX XXXX beforehand.

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 2019-05-07
Company: Fay Servicing, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On-going complaint against FayServicing, LLC Loan # XXXX Property address : XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SC XXXX Re : 4th complaint Due to our medical conditions and the fact my wife is on her retirement and I stopped working last year, we have filed a loan modification with Fay Servicing , LLC our mortgage company over 6 months ago and have had nothing but difficulty with them. They are deceptive and use fraudulent practices including lies, deception, stalling, losing documents, losing packages we send, misplacing items and then constantly telling us they did not receive what we sent in twice. 
We are not able to make our payments and we have to borrow to make them on the 30th day of the month and last month was again difficult for us. 
I have contacted them on over 30 different occasions and lately I have contacted them 7 times and they completely ignore all my communications and wont even get back to us despite our efforts to communicate fairly. 
We sent them in all the paperwork they requested even though they had everything once already and they lost it all. This is now the 6th month we have been struggling with them to no avail and no response from them. 
We have submitted our paperwork to an independent banker who has agreed we qualify for a loan modification and he stated it should only take 60-90 maximum to get it accomplished. He stated he saw over 1 million complaints against Fay Servicing , LLC and they were in an lost several lawsuits about defrauding people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My Citibank checking account was closed after a bit more than 2 months without any explanation. Sequence of events : 1. XXXX XXXX - Account opened online. 
2. XXXX XXXX - While on vacation overseas, a letter was sent to me requesting a XXXX form. I did not reply to the letter until XXXX XXXX, when I returned from vacation. 
3. XXXX XXXX - Account was closed. A check for the balance was sent to my address. 
4. XXXX XXXX - Received a message from Citibank that a new checkbook has been sent to me. 
5. XXXX XXXX - Received a message that my account is now open. 
6. XXXX XXXX - Received a checkbook. 

I made two phone calls to Citibank support and have visited a branch once. 

On the first phone call I have been told that my account was closed and that I will receive an explanation for the closure via mail. To this date I have not received mail with an explanation or even a confirmation that my account was closed. 

On the second call I was told that the message telling me I will be receiving a checkbook is related to the check that was sent out for my closing balance. That was on obvious lie, as a week later I have received an actual checkbook for an account that was already closed at that point. 

During my visit to the branch, the CSR explained that my account was closed due to some document they were missing. He could not tell me which document exactly was missing. 

To this date : - I have not received any explanation as to why my account was closed. 
- I have not even received written confirmation that my account is in fact closed. 
- I have in my possession a checkbook that was sent to me after the account was supposedly closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Wells Fargo Visa Platinum Card - which i got it very recently. Some issues with their customer service as there is no chat and very long hold times if I try to call. Website is too old and not intuitive. 
Unfortunately as part of the account setup - i tried to setup alerts and notifications but it's not always working. 
I was always on-time in terms of making the payments. 
I was out of country during XX/XX/XXXX to XX/XX/XXXX. Didn't got any alerts and notifications from Wells Fargo. And it seems they charged me some Late fees of {$15.00}. 

When their customer service is so aweful, website is so minimal - they should at least forgive first time the late payment. And look for why the automatic payments and alerts/notifications are not working.

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 2019-05-07
Company: SYNCHRONY FINANCIAL
State: NC
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: Card was charged for something you did not purchase with the card

Complaint:
XXXX  charges of {$150.00} total XX/XX/2019 placed on my account. 
Correct account adjustments made to account by card issuer XX/XX/2019. 
XXXX charges changed to XXXX XXXX charges after this. 
( {$39.00} each times 4 charges ) ID THEFT/FRAUD XXXX XXXX charges of {$470.00} placed on my account, statement closing date:XXXX. ( {$39.00} each times 12 charges ) ID THEFT/FRAUD XXXX XXXX charges of {$550.00} placed on my account, statement closing date:XXXX. ( XXXX each times 14 charges ) ID THEFT/FRAUD XXXX XXXX charges unresolved But card issuer notified by Certified Mail that I refuse and deny both charges of {$470.00} and {$550.00}. I DID NOT ORDER these items and have NOT received any items called XXXX XXXX to date. I have contacted card issuer via Certified Mail. Requested a new credit card after corrections made and then transfer balance to new card.

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 2016-07-01
Company: CITIBANK, N.A.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I established a custodianship account for my son at Citibank ( account # XXXX ) in connection with his travel to XXXX. Given the lack of resources at the branch in XXXX, it took XXXX visits to the bank and a 2.5 hour wait to establish the account. After receipt of a permanent ATM card, as requested, we contacted the bank to alert the bank of his travel to XXXX. The call took over an hour and my son, XXXX, was required to speak with them to address the matter. He is now in XXXX and unable to use his ATM card as the fraud department blocked use of the card. I have contacted Citibank. The Fraud department has not been able to assist. I must visit the branch again. There seem to be substantial system-based problems with Citibank 's operations...

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 2020-07-31
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, I paid my debt with XXXX XXXX  with XXXX XXXX and now Southwest credit style is flagging my account for unpaid debt that they bought in disregard to my satisfied account with that debt. 

I submitted a supporting document to the dispute they just said was still valid with southwest credit style. Please fix this error. 

I have bank records to prove my debt has being paid in full for a debt they are still trying to collect on. 

I paid it in full XX/XX/2020 with XXXX XXXX in the amount of {$350.00}, so please resolve this, as I am in the process of building/fixing my credit. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XXXX  is a once a year chance to obtain and review a free copy of our credit report. However, this year, the site inexplicably fails while trying to obtain each of the 3 reports. Each Credit Agency gives an error without explanation, and suggests a mail-in report instead. 

This is the first time this has ever happened to me, and discourages consumers from exerting their right to see their credit report once a year. 

Credit agencies should be required to actually provide the report online in a convenient format as intended by the website. Else they are simply pushing consumers to pay for access to their own personal credit information.

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