BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-18
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have separated from my partner and am planning to take ownership of our home, buying out his interest in the property. I contacted my lender, Santander Bank, who said that my mortgage type isn't eligible for assumption ( it's a conventional loan ) because it's a " portfolio '' loan. They said it has nothing to do with either of the borrowers on the note.

However, my federal loan disclosure provided at the time of closing indicates that my loan is, in fact, an assumable loan. There is clearly a discrepancy here. If the loan has never been an assumable loan, then Santander falsely disclosed that my loan was eligible for assumption.

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 2019-04-14
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX a hard inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX, Ok XXXX was pulled in order to put a collection account for delinquent rent from a lease I co-signed in XX/XX/XXXX on my consumer report. Section 604 of the FCRA provides that a consumer reporting agency may furnish a consumer report only for specified permissible purposes. The hard inquiry does not constitute a permissible purpose for XXXX XXXX actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Bread Financial Holdings, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX  account through Comenity Bank on credit bureaus states XXXX account is open with a credit limit of {$500.00}. I did not receive documentation from XXXX indicating the account was closed. On the retailers website the account was listed and open to XXXX financing. On XX/XX/18 I called XXXX to follow up on a complaint I had in the ability to place a order. It was confirmed last week that the account was open. mgr XXXX XXXX called Comenity Bank spoke to a agent and then connected myself, himself and the Comenity rep together. The comenity agent said I had not used my account in a while and needed to ask me a couple of questions before he can allow me to use the XXXX credit limit all the while the XXXX rep was on the phone listening. I feel because I had initiated a call last week and my negative interactions with XXXX, XXXX I strongly feel I was discriminated against in being granted my credit being restablished.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
US Bank should refund me {$610.00}, CFPB should apply any of the Lousy Laws to punish USBank and it's Crooked officers, if Justice applies for Corporations in Corrupted America.

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 2017-11-11
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was called at about XXXX XXXX today, XXXX/XXXX/XXXX, regarding a XXXX XXXX account issued by Comenity Bank. I told the phone rep that I was woken from a dead sleep, confused, did n't understand what she was saying, and asked to be called again in an hour. She refused. 

Looking on their web site later, it appears that the bank alleges I paid the balance of {$57.00} in full on XX/XX/XXXX, four days after the late fee date of XX/XX/XXXX. My memory is of paying the full amount, in person, at the store. So there should not be a continual series of escalating late fees. I 'm not making a legal argument, but from a common sense viewpoint this is usury. 

I believe I did make a compromise offer on the phone this morning, as did the telephone representative, but we did reach agreement on an amount. And this was after I had said I was tired and confused and did not understand. So even though I stated, on a recorded call, my compromise offer, I do n't think that should be the starting point for any future negotiation. Instead, the bank should apologize for waking me and close my account as of when I paid the then-communicated-to-me full balance of {$57.00}, since I have made no further charges. 

I asked the phone rep to close my account this morning. The rep refused on grounds that they wanted to continue to add to the late fees. After the call, we went on the web site and confirmed the account is still open.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-18
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I was involved in a total loss accident on XX/XX/19. I settled with XXXX less than 24 hours post accident. It took the finance company just shy of 90 days to send everything needed to GAP Insurance. GAP settled in under 24 hours after I contacted them and then the finance company yet again. I have had to rent a car 3 times! My wife is a Transplant patient and we have been over 3 months without a vehicle all due to the negligence of this finance company.They have reported late and not accurate causing my credit score to plummet from 700 's to the 400's.As it was on it's way back up, it was reported more balance owed after a decrease which cost me 40 more points.The balance owed is not right no matter who adds it up. I tried to ask for supervisors and get hung up on or talked down to. Now they will not take my calls and will not fix my credit so that I can go and finance another vehicle. This is ludicrous! The only thing they keep repeating was that it is interest due.So in essence more than {$5000.00} went to interest in the past 3 transactions and then they are showing some {$2200.00} owed, again for interest.Their records show that I was given back late fees, yet it was never corrected with the bureaus. When I asked about that, a supervisor told me I have to formally challenge that with proof of loss, and all the documentation related to this account.IT IS THEIR COMPANY! They finally submitted the updates to the bureaus but they sent in the wrong balances and again never corrected the late reports. After originally showing a large pay down, they then sent an increase in loan amount which caused the points I just got back for pay down to be erased. They would not accept my call today. I feel it should be the total amount owed, the total insurance payments applied, credit for the correct service contract amount, and then you have the number owed. That is how it should have been done.Plain and simple they played with the money for 90 days!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XXXX XXXX, 2017, I deposited a bank issued check for {$13000.00} to my Chase account. The check was for the proceeds from a home equity refinancing. The teller told me the check would be available in 24 hours. Therefore, I set up electronic payments to pay off credit cards and medical debt on XX/XX/XXXX, 48 hours afterwards to ensure that the money had cleared. On XX/XX/XXXX, I received two messages from Chase that they could not fund my payment to two of the credit cards due to insufficient funds. I then sent an inquiry since according to my balance I had more than {$14000.00} available. I was informed the check had been put on hold because they had to make sure it was legitimate. In the meantime, my husband wrote me a check in the amount I had written him to cover his cards, and that bounced. He has now accrued overdraft fees and I will be too. So now, this opportunity to provide some relief from credit card and medical debt has now turned into added stress and is costing us money. I find this absolutely unacceptable, especially since the Chade representative informed me that the funds would be available the next day. Furthermore, there is absolutely no reason to hold the check for 10 days ad the bank is suggesting. A quick look into my savings account will show you that every year we make a deposit at about this size. Regardless, the check is from another bank, not a personal check. Finally, this is not their practice for customers who make this size deposit on a more regular basis. This is bad customer service at the least, and possibly discriminatory. It is not ok to hold our own money hostage from us, and charge us for overdrafts when it was Chase that said the funds would be available within 24 hours. I believe this is middle-class discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no knowledge of these inquiries. I didnt fill out these applications and never signed off on any of these. I am a victim of Identity fraud. I spoke to a rep from Experian, XXXX, and XXXX on the phone today and they were not able to help me through this, so I told them I would reach out to you all. 

Experian account : inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX account inquires : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account inquires : XXXX XXXX XXXX XXXX XXXX  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 2022-03-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have submitted Numerous disputes regarding my credit report. None have been investigated. Please Advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: SYNCHRONY FINANCIAL
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX repeatedly calls to speak with " XXXX '' who does not live at this telephone number.

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 2017-11-11
Company: Collection Bureau of America Ltd.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I submitted a dispute with collection Bureau of America around XX/XX/XXXX in regards to a collection account which is not mine. The starting balance was XXXX and then they added a collection cost of XXXX so it is now reflecting a total balance of XXXX. With in the dispute I asked them to provide something with my signature showing that I signed for the services that I am in collection for. The sent me a bill and nothing more. I never had an account with the company that they are claiming I did and I moved out of the service address in XXXX and the invoice date is listed on XX/XX/XXXX way after I moved out of that home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: U.S. BANCORP
State: CA
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 customer service

Complaint:
On XX/XX/XXXXI used my home computer on the Flagstar 's website to request a balance transfer to pay off a XXXX XXXX XXXX credit card. After entering the transaction, I realized I put in the wrong amount. I called the Flagstar on XX/XX/XXXX@ XXXX XXXX & asked if they could access the transaction I just entered and correct the amount. The representative told me the transaction did not go through. She mentioned " if I did not see a disclosure statement, then it did not through '' She also told me that I should go back in and do it again. I chose to wait a couple of days and check to see if it was processed. After two ( 2 ) days, I could not see the transaction, so I used a courtesy check from the Flagstar and went into XXXX XXXX XXXX and paid off the correct balance. On XX/XX/XXXX I received a letter from Flagstar indicating they had in fact prepared and sent a check to XXXX XXXX XXXX. As a result, two ( 2 ) transactions were processed and my account has a balance reflecting both. I was also charged two ( 2 ) fees associated with the transactions. I called Flagstar on XX/XX/XXXX @ XXXX XXXX and spoke to XXXX. She told me the first representative did not know where to look for the transaction. We discussed her putting a stop payment on the check they sent to XXXX XXXX XXXX. I told her after the account was paid off, I closed it. XXXX left the phone and spoke to her manager and returned to tell me that XXXX XXXX XXXX would return the check to them as the account was closed. After I asked her if she was still going to put a stop payment on the check and she said " yes ''. However, XXXX did not. XXXX XXXX XXXX received the second check for the wrong amount and is still holding the credit on the closed account. I complained to Flagstar about the incompetent representatives and they indicated they would review the calls. Subsequently I received a call from a female supervisor who was nothing more that a liar. She told me they reviewed the second call and there was no mention of " stopping payment ''. I know this is a LIE as I was on the phone. They are only attempting to cover their XXXX in this. I wants a transcribed copy of the tape since I was on the other line. They are refusing to provide it to me and lying about the content of the call which lasted twenty-seven ( 27 ) minutes.

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 2022-03-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have submitted Numerous disputes regarding my credit report. None have been investigated. Please Advise.

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 2019-06-19
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2019, I requested information in person at a bank branch of PNC Bank in XXXX XXXX, IL. I have a Money Market account with approx. {$6100.00} balance. This was my mother 's account until she died in XX/XX/XXXX. It is a joint account, and I am now trying to manage the funds after her death as she would have wished. On XX/XX/XXXX I turned in her Death Certificate to this branch, and I returned on the XX/XX/XXXXfor further information. 

All I was asking for was the account information ( minimum balance, fee structure, etc. ) and current interest rates. They refused to provide the interest rates in writing per my request. The manager stated that he would tell me the rates verbally, but would not provide them in writing. They also did not provide the basic account information until I demanded it three times. They wanted to go over it verbally with me or show me on a screen. 

My understanding is that account interest rates are a matter of consumer protection -- honesty, clarity, and transparency being the goal. The manager smiled and acted as if what I was requesting was rather ridiculous- current interest rates in writing. He said that they change frequently. 

I have the document provided me in which all of the interest rate amounts are filled in with X 's instead of numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Sent letters to each of the main credit reporting agencies. Transunion was the only one that hasn't honored my request, even though I submitted adequate documentation to support my claim of fraudulent accounts being opened in my name. Please review the attached files and make the necessary changes.

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 2019-04-15
Company: AES/PHEAA
State: MA
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:
I was on an Income Based Repayment  plan until XX/XX/XXXX of last year. I file for it multiple times after it was up in XX/XX/XXXX as I was not making much money. I have called XXXX XXXX numerous times to put it back in Income Based Repayment. Nothing was done. I received no emails, no letters, and no phone calls for months and come to find out it was put into collections. I have been trying to talk to the department of education numerous times since then and they would not even give me the time of day. Now they are trying to capitalize the interest and threaten to garnish my wages. I would just like to it to be back on IBR until I can find a job to pay it down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I'm a federally protected consumer and my rights as a consumer have been violated by XXXX, Equifax, and XXXX. The biggest violations being my right to privacy as a consumer and furnishing information to my consumer report without my written consent, also being actively involved in the buying and selling of my personal identifying information for profit better known as aggravated identity thief, aiding and abetting debt collection agencies in furtherance of a crime. I started my dispute process back in XXXX it is now XXXX and the same inaccurate, erroneous information is still being reported even after I've pointed out the various inaccuracies throughout my consumer report It keeps coming back as " verified ''. I'm aware that it is not in XXXX, Equifax, or XXXX best interest to remove accounts from consumer reports because they all profit from the information furnished on a consumers report whether that information is right or wrong. But they are supposed to honor Metro 2 Compliance as well as maintain 100 % accuracy on ALL CONSUMER REPORTS. If XXXX, Equifax, or XXXX actually abide by Metro 2 Compliance then each and every consumer report would show the exact same information across all 3 reports which it does not. So they're not even complying with their own policies and procedures so I know for a fact that they do not care about a consumers rights under the FCRA, FDCPA, or TILA. Congress defines XXXX, Equifax, and XXXX as " elaborate mechanisms '' who assumed their positions. I'm tired of the 30, 45, or 60 day waiting periods for a consumers disputes to be responded to, especially when there isn't an actual " investigation '' being conducted through " e-OSCAR ''. It literally takes " e-OSCAR '' seconds to process a dispute letter which is why it was put in place but it was created with bias towards consumer reporting agencies due to it's ability to search for keywords in dispute letters and " auto generate '' a response based solely off verbiage not an investigation of the facts presented. A reasonable investigation is not " automated ''. Again these " elaborate mechanisms '' are continuously deceiving consumers day in and day out without repercussion, this has to stop sooner than later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: EQUIFAX, INC.
State: TX
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:
Hello, I am a recent victim of identity theft and after consulting with my legal team and contacting the CRAs, I was told to file an FTC report. I went to my local police department also and they said that is out of their jurisdiction so I was not able to get a police report but I did get an FTC report which is attached down below. I also have different addresses and employers on my report as well. I have already mailed each CRA as well via certified mail and provide each CRA the full authorization to investigate and block these account at once.

Company response to consumer: Closed with explanation