BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Capital One Refused to help during a hardship because repayment was 100 % across all of customers accounts. After 2 months of missed payments they were willing to allow longer term repayment plan but continued to report negatively for 4 additional months although payments were being made as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: Conduent Incorporated
State: LA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
okay first things first.. I XXXX XXXX have applied for my unemployment COVID-19 BENIFITS ON THE XX/XX/XXXX OF THIS MONTH ALSO, I DID MY CLAIM FOR THE FOLLOWING WEEK GUESS IT DIDNT GO THRU OR ME NOT SUBMITTING THE CLAIM AFTER ALL WAS DONE ... .. I WAS DISCHARGED FROM XXXX LA XXXX HOSPITAL ON FRIDAY XX/XX/2020 AT XXXX ... MY STAY THERE WAS 4 DAYS ... MY PHONE HAS BEEN DISCONNECTED SO I DONT HAVE ACCEST TO A PHONE ALL THE TIME ... .. ALSO I REQUESTED A PREPAID GOVERMENT CARD AND STILL HAVENT RECIEVED IT .... I DONT KNOW WHY I AM DISQUILIFIED FOR BENIFITS ... I HAVE BEEN APPLING FOR JOBS AND ALSO IM IN NEED OF MY BIRTHDAY CERTIFICE SOCIAL SECERITY AND MY PERSONAL IDEFICATION CARD ( ID ) .... PLEASE TO WHOM THIS CONSERNES I AM ALMOST HOMELESS WITH NO WHERE TO GO AND IN NEED FOR MY BENIFITS ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I recently received a letter in the mail on XX/XX/XXXX from an outside independent legal entity notifying me that I was being sued by XXXX XXXX XXXX/XXXX  XXXX XXXX regarding a credit card account that was filed in XXXX  Circuit Court on XX/XX/XXXX. 

I would like to make the CFPB aware of this occurrence as I never received a formal document from XXXX/XXXX XXXX notifying me of the possibility of a default judgment or documentation demonstrating the suit that was filed in the XXXX Municipal/Circuit Court for period XX/XX/XXXX through XX/XX/XXXX. 

I would like be contacted by a representative of either/or both XXXX XXXX & XXXX XXXX XXXX via phone or email in order to facilitate a mutually beneficial payment arrangement as I would like to avoid a potential default judgment as I do not have any available PTO to attend the legal proceeding scheduled for XX/XX/XXXX and also do not have additional funds available to pay for legal representation. 

Latest updates are that I never received a letter from Hayt Hayt and Landau regarding in XXXX as referenced in XXXX letter of response ( attached ) to my initial request to create a payment arrangement which was submitted through CFPB - and if I had not been contacted by an outside legal entity that I would not be aware that a court case was entered against my name. As a result of this discovery I have repeatedly reached out to Hayt Hayt Landau and have left voicemail messages with XXXX XXXX and also physically spoken to a team member that promised they would have the attorney on the case call me back or email me on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. I still have not received a call/ voicemail message or an email in response to my request to create a payment arrangement. As I have not been given a file number yet due to no one reaching out to me - I am unable to establish a payment arrangement or initiate a payment. Can someone please advise me on whether I should initiate a payment arrangement with XXXX if Hayt Hayt Landau does not contact me via email/phone or respond to my phone calls prior to the XX/XX/XXXX court date? I do not have vacation/leave available to go to court or additional money available for legal representation and would like to establish and arrangement in order to resolve this issue. If I am unable to resolve this issue a judgment would put me into an even more arduous financial situation. I will continue to call Hayt Hayt Landau as I would like to establish an arrangement as soon as possible. Please Advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
The man who previously sold me the XXXX XXXX ( XX/XX/2012 ) knew the people or were related to the people who had multiple keys to my used vehicle. These people repeatedly had my vehicle damaged and vandalized. The XXXX male who sold me the vehicle also knew people who worked at the XXXX Police station and they also vandalized my vehicle, repeatedly and they kept towing it because they do not like XXXX XXXX females. Light skinned people have a tendency to make up false accusations and reportings of me. I am in pain and walking and I believe they were trying to XXXX   me. I help my family out while driving due to the fact that they are XXXX and XXXX. Now, that I ocassionally get on the bus, people are laughing and hitting me. The seats are also disgusting and I have a problem with my foot. I need some of my money in return. I need all or most of of my money back to buy a car from someone else who is not a XXXX. I set up payment arrangements and my payments kept getting stolen from my bank account, and someone was hacking my phone calls as well. I never got to speak with a real representative from XXXX XXXX because someone was stealing money from my bank account and using my phone number. XXXX never sent me an invoice or a final notice of a sell or possible repossession, I need to have this matter resolved as soon as possible. I was XXXX  and XXXX. I need a vehicle. I am asking that someone speak to XXXX about giving me some of my money back due to vandalism from the people who sold me the vehicle and his affiliates. The XXXX male knew people who towed my vehicle, who ruined my vehicle, and he plotted to possibly have me XXXX. I need a vehicle that works properly. I think that I may need money or a check. Could someone help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX  has been non-compliant with removing the unverified account XXXXWELLS FARGO which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that XXXXWELLS FARGO was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-11-07
Company: HYUNDAI CAPITAL AMERICA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This credit dispute is in regards of account number XXXX for a XXXX XXXX XXXX. This account was assigned to XXXX and XXXX XXXX. We created autopay so we would avoid any late payments. When autopay was set up they did not inform us about the last payment not being accepted by autopay. In which the last payment on XX/XX/2018 was missed. If this would have been stated, we would have made that payment to avoid any negative reports sent to the credit bureaus. During our account we have not missed any payments, so our history demonstrates that we had a good credit standing until the last payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-09
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I hope all is well I just would like to start off by saying thank you very much for allowing me to bank with you all these years. I was recently in the hospital and I had to get procedure done because I was in severe pain and I could not get to the bank to add funds to my checking account and resulted in me getting excessive over draft fees. I apologize I couldnt drive or even function until I had the procedure. This year has been rough on me as well as a lot of other people. I do apologize this was unexpected and out of my control. Can you please give me all the over draft fees back because they are excessive and are causing a hardship for me and my family. Please understand it was out of my control didnt even know this was going to happen unexpectedly just like this virus. Thank you for your time. Have a wonderful day and please be safe.

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 2018-09-03
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX credit card never aplicacin

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 2017-11-06
Company: Experian Information Solutions Inc.
State: NY
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:
List of dates : XXXX and XXXX/XXXX/XXXX. There were credit inquires on my credits reports that i do not recognize.

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 2017-11-06
Company: CITIBANK, N.A.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted this collection agency in regards to the debt. I was asking questions about the credit reporting guidelines and I tried to ask the representative for the validation of the debt, because I paid this off directly to the original creditor prior to being placed in collection. I never received notification via mail that this debt was owed originally. As soon as I started asking for proof, the representative became short, told me he had to go, refused a transfer to a supervisor and refused to supply a name. The behavior exhibited by this agent confirms my suspicion that this is a fraudulent debt when I asked for proof. I 'm requesting I receive written validation of this debt from the original creditor including a payment history as this remaining balance was paid. I request the derogatory mark be removed from my credit report until I receive these documents to my correct address.

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 2018-11-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2018-11-07
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2018-11-07
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2018-09-02
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear CFPB, We are paying our mortgage on time, Rushmore Loan Management Services keep on sending a letter at least twice a month about late and delinquent payment and we are getting these letters constantly. Also, we signed the loan modification in a hurry without professional review. The modification we received was three months predated. We believed that penalty and interest are excessive, can you please review our loan modification it will be highly appreciated. Thank you very much. 

Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
There are many mistakes appear in my report without my understanding.

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 2017-11-06
Company: Velocity Portfolio Group
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This issue is been going for quiet some time. 
Late in XXXX I received a letter from XXXX XXXX XXXX stating that they represent Velocity Investments and that I owed about {$10000.00}. I had no idea who Velocity was and I mailed a letter back to them asking for more information. I also explained to them that I lost my job and my available funds were very limited. I never heard back from them. About a year later I found out that they filed a lawsuit against me. I tried to contact Velocity several times. I called and email with NO answer. I finally spoke to a person who said that she was n't able to provide me with any information and referred me to XXXX XXXX XXXX. I called and requested more information but I was terrified by the lawsuit and asked what will be a reasonable amount I can pay, the lady on the phone said that the only acceptable amount was somewhere around {$9900.00}. I asked to make payments and she said I should call back and talk to a " XXXX ''. I did. I asked to see a proof of my debt. in XXXX of XXXX I also emailed and requested more information and offered to make monthly payments for the amount i owe. 4 days later they send me a file that does n't have my signature and claimed that i owe {$10000.00}. I kept telling " XXXX '' that the amount was incorrect. 
XXXX had XXXX at her office email me an agreement requesting a lot of information and said she will have to see if she can get the payment plan approved. 
I requested again to have more information that shows the breakdown of all my payment. I emailed them on XXXX and XXXX. 
on XXXX I finally received another email from XXXX, this time they claimed that I owe {$10000.00}. 
I requested the breakdown again on XXXX and XXXX, XXXX, XXXX. I found out that on XXXX a person came to my daughter 's friends home looking for me claiming to be an " officer of the law '' and she refused to leave. she said she will be back every day until she is able to hand me some documents. That created a lot of XXXX and I know it was illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: Experian Information Solutions Inc.
State: MS
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:
There are many mistakes appear in my report without my understanding.

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 2018-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am highly concerned that Bank of America is deliberately obstructing the payment process for credit cards in order to collect late fees and other such penalties. During a 3 month change in employment I fell behind on several payments. After starting my new employment, I was contacted in the fall of XX/XX/2016 by a supervisor looking to " assist me in catching up ''. She arranged a 6 month payment plan of {$110.00} per month which I agreed to. I called within a few months to see if the hefty $ $ $ late fees could be slightly lowered since I was making payments. I was simply advised to continue making payments. Once the 6 months were up, I arranged for another payment plan of {$70.00} per months since my amount due was less HOWEVER, my total balance was significantly higher. I continued making the scheduled payments however, when the automatic payments expired again, I was suddenly unable to make payments online or arrange for another set of automatic payments. I then learned that my account was closed without notice. When I asked for proper communication of my account closure I was told that it's not something they disclose openly on statements. For over a year now, Bank of America has disabled my online payment capability AND any future schedule of payment. I am forced to call every month on the XXXX  day of the month to make a payment. On most calls I'm forced to wait much time, sometimes up to 30 minutes. Recently, while on a trip to XXXX, XXXX on XX/XX/XXXX, I called 3 times and each time the automated service said they were experiencing high call volumes. After the 3rd call and not getting through to anyone, I hung up. I am now receiving emails regarding late fees, and the amount due for the following month has doubled! Bank of America is causing much difficulties to pay this account and is simultaneously gaining additional fees from me unfairly.

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 2020-08-20
Company: MORGAN STANLEY & CO. LLC
State: CO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
This complaint is related to, and an extension of, a previous complaint filed against XXXX XXXX ( CFPB complaint ID XXXX ). To summarize, I took out a construction loan from XXXX XXXX XXXX XXXX XXXX. XXXX stopped funding the loan prior to construction completion and filed foreclosure proceedings once the note matured. This note was apparently acquired by XXXX, XXXX, in Trust for Morgan Stanley XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX appears on the notice of foreclosure as the current holder of evidence of debt. I received no notice of the sale of the note. As best as I can tell, XXXX is working in concert with the XXXX fraudsters. It was my contention in the previous complaint that XXXX never had the funds to lend in the transaction or intentionally sabotaged the transaction to create a foreclosure opportunity ( which had now been picked up by XXXX ). 
___________________ In the course of the foreclosure process, FV has violated CRS 38-38-102.5 ( Colorado 's notice statute ) ; CRS 38-38-103.1 ( Colorado 's single point of contact statute ) ; and CRS 38-38-103.2 ( Colorado 's dual tracking statute ). 
XXXX XXXX, XXXX and Morgan Stanley XXXX XXXXXXXX XXXX, XXXX is/are no strangers to litigation concerning foreclosure actions. The SEC recently issued a Cease and Desist Order against Morgan Stanley based on various foreclosure shenanigans. It is believed that XXXX and Morgan Stanley or essentially the same organization. 
XXXX There is likely a prior working relationship between XXXX and XXXX to the point of suggesting complicity between the two organizations to defraud consumers through the foreclosure process. Both XXXX and XXXX should be required to turn over all records and communications between the two relative to this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
on XX/XX/XXXX, I was pressured into a predatory auto loan through Santander Consumer USA. They have mishandled the auto loan and are using unethical and illegal practices. They have used risk based pricing and are loan churning. I am being harassed with multiple telephone calls throughout the day and evening. The loan was XXXX at 23.43 % with 71 payments. To date, I have paid XXXX and Santander is alleging that I still owe XXXX. My maturity date is XX/XX/XXXX. This is not accurate. I am challenging the validity of Local, State and Federal Laws. Please see attached documentation that shows inconsistencies with payments and account information.

Company response to consumer: Closed with explanation