BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-13
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX, Experian  and XXXX and XXXX XXXX XXXX continue to report an account that should have been removed from my credit report. The scheduled deletion date was back in XXXX of 2018. It still continues to report to all 3 credit bureaus. The date opened for this account was back in 2005. This is a major violation that needs to be removed from my reports immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20
Company: AXOS FINANCIAL, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My current mortgage lender Axos Bank solicited my business for refinancing the mortgage. I started an application process ( Loan # XXXX ) on XX/XX/2021. While I submitted all documents necessary for processing the application as discussed and mutually agreed to in my conversations with the Loan Office XXXX XXXX, Axos Bank continually asked for more detailed bank statements that included private information about equities I own as opposed to summary balance account information. I refused divulging this private information and as agreed to the loan officer XXXX XXXX. I offered to provide complete bank account balance summary information as documented in my emails with the bank. Since Axos Bank did not respond to my offer of providing these bank statements by email or voice calls, I decided to suspend this mortgage application as documented by my communication to the bank on XX/XX/2021. Axos did not respond to my request to suspend my application instead sending me a Letter of Declination dated XX/XX/2021 that DID NOT acknowledge the fact that I HAD CANCELLED the application. Instead, Axos through willful negligence and malicious intent stated other reasons for declining the application that were not based on facts relating to documentation issues. This mischaracterization has caused injury to my outstanding credit ratings, their non-transparent requirements as agreed to and stated by their loan officer during the application process has wasted my time and effort for the application, and their repeated absence of communication through critical parts of the application process is willful negligence. 

Axos Bank has been consistently evasive and non-responsive about communicating with me through either email or phone through this process prompting me to file this formal complaint with CFPB. Their actions are anti-consumer with potential implications for punitive and other damages. I have documented my outreach to the bank to get answers for this appalling and potentially illegal and discriminatory actions by the bank and the absolute silence by Axos Bank, which is an entity in the regulated finance industry : XX/XX/2021 : Email to XXXX XXXX and XXXX XXXX Subject : Letter asking Axos Bank to suspend my loan application summarizing my reasons underscoring the unsatisfactory performance by Axos Bank as cause for deciding to withdraw the application Response from Axos Bank to suspend my application : NONE XX/XX/2021 : Email to XXXX XXXX, XXXX XXXX and XXXX XXXX Subject : Formal complaint regarding malicious and improper characterization of reasons in Letter of Declination from Axos Bank received by mail Response from Axos Bank : NONE XX/XX/2021 : Phone call and voicemail to XXXX XXXX Subject : Final attempt to get a response from Axos Bank regarding my complaint on XX/XX/2021 ( stated in ( b ) ) Response from Axos Bank : NONE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: R.M. Galicia, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My bankruptcy is not discharged as of yet. XXXX XXXX XXXX was notified thru bankruptcy processes and last reported to my credit report XX/XX/XXXX. XXXX XXXX XXXX denies being notified and one representative hung up on me. You've paid off -17 % of your collection amount. 

Balance {$5200.00} Highest Balance {$4400.00} Opened XX/XX/XXXX ( 1 yr, 11 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
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:
In XXXX 2016, XXXX XXXX charged my XXXX XXXX XXXX XXXX Dollars ( {$2.00} ) without my knowledge and without any basis. The amount was charged but not billed. 

I learned about the charge a few months later. I disputed the charges. XXXX removed the charge immediately, however, XXXX has made two negative reports on my credit report for such XXXX Dollars ( {$2.00} XXXX. 

I tried to have XXXX remove the negative reporting but failed. 

I request XXXX to remove the negative reporting. 

I request penalties be assessed against XXXX for improper and fraudulent charges and for fraudulent negative reporting.

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 2019-02-17
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/19 @ XXXX i got a call from one of my tax clients XXXX XXXX that she got a call a XXXX at ally financial stating that i used her as reference on my credit application. This statement was false. She stated that she wanted to leave a message for me to call her. This has damaged MY credibility with my clients and put a strain on my business.

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 2018-12-28
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Every year my private student loan payments increase. I have tried to lower my payments to a more reasonable payment but Navient refuses. I am almost to a point where my loans may default.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: Central Portfolio Control Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2018 Central Portfolio Control calls from XXXX asking for XXXX XXXX, I tell them this is not her number, they change the number they are calling from and call again. this has been going on for 4 years that i owned this number. I am not affiliated with this person and I have no idea who she is.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted this company several times about 2 accounts for XXXX XXXX. I have 3 accounts on my credit report. The 1 that is actually mine has been paid off. These two that were bought by Portfolio Recovery, LLC. The balances are {$450.00} and {$420.00}. I asked wrote this company over 4 times requesting specific validation of the debt, including signed contracts. The only thing that I was sent was a billing statement for the account with the {$450.00} balance. I have called and requested validation and was told that information could not be sent out because debt is too old to dispute. I was told that if I did not submit a settlement offer they would notify my employer. And I paid they would remove information from my credit reports. I submitted an offer and they denied it as well. I have tried everything possible to dispute the debt and have it removed. I have only had 1 XXXX XXXX account but Portfolio Recovery will not assist with validation or removing the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: NCC Business Services, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a vicitm of identity theft. On XX/XX/XXXX NCC Business Services received my DEBT VALIDATION REQUEST. I respectfully requested them provide me with competent evidence that I have any legal obligation with them. At that time, I also informed that reporting invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ), might constitute fraud under both federal and state laws. I did not receive any validation for that debt. 

There two accounts being reported as mine are the following : 1.  1. NCC BUSINESS SERVICES, acc # XXXX. Opened Date XX/XX/XXXX, Balance {$750.00}, High Balance {$750.00}. 
2. NCC BUSINESS SERVICES, acc # XXXX Opened Date XX/XX/XXXX, Balance {$140.00}, High Balance {$140.00}. 

Please help me solve this issue, since they are commiting a Violation of the Fair Debt Collection Practices Act and Defamation of Character.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Experian Information Solutions Inc.
State: UT
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:
On XXXX,XXXX I discovered after a conversation with my ex-husband XXXX XXXX that the credit agencies deleted a past mortgage. I did not authorize this. At the time I had hired XXXX XXXX to do credit repair in XXXX. It was on there prior to hiring them. They, however, deny removing it. I wrote to all three agencies and they will not address the issue. 

I have provided plenty of evidence showing when account opened, closed, high balance and correct payoff. 

I am XXXX yo grandmother and it shows I only have had credit for four years! 

It is damaging my score due to lack of credit information. XXXX mortgage no longer exists so there is no way for me to contact them directly. 

Need this to report on my credit file. They report bad but don't want to report good when its old.

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 2019-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
In XX/XX/XXXX BoA notified me that my credit card ending in XXXX was compromised and issued me a new card ending in XXXX. 

In XX/XX/XXXX two charges were made on the XXXX account ( that should've been terminated ) to XXXX *Store for {$59.00} each totaling {$110.00}. I noticed the charges and called them in as fraud. BoA originally refunded the charges but later denied the claim stating I was responsible. I called back requesting an explanation and did not receive one. I asked for evidence to be mailed and nothing was sent. I asked for the claim to be reopened. 

Once again I was denied and a letter was sent. At this point I called XXXX to do the work myself. XXXX quickly flagged it as fraud as the charges were for two " XXXX XXXX annual subscriptions '' and XXXX noted I do not have account with XXXX ( nor do I own a XXXX ). XXXX gave me a reference number of XXXX to give to BoA to quickly resolve the issue. 

I called BoA again and provided them the reference number and also asked again why the claim was denied and no response was provided verbally or by mail as requested. With the new information another claim was opened and I received a letter 3 weeks later once again stating my claim was denied with no explanation. 

I am on my 4th appeal expecting the same result as BoA clearly is not doing anything appropriately with this. I am hopeful that the CFPB will help quickly resolve this as I have spent over 10 hr of my own time attempting to dispute that seems pretty straight forward.

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 2020-04-29
Company: CREDIT ACCEPTANCE CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Credit Acceptance repossessed my Sisters vehicle back i. XXXX they took it for a week Im her co-signer in the loan because the vehicle was repoed they reported it on my credit i lost 97 points my sister has had the vehicle for almost 2 months again and they are still reposting the vehicle being repossessed and the account closed when in fact its been opened since XXXX and payments have been on time please fix this, as Im not the primary account holder one i have my own vehicle loan which Ive never missed a payment in or been late i want this rectified and my credit fixed! 

Thank you

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 2018-01-26
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
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:
On XX/XX/2017 two transactions were made around XXXX with our Huntington Bank Credit Card. We called the next day to attest these obviously fraudulent charges made within minutes of each other - one to a company called " XXXX '' for {$540.00} in the XXXX and the other to a company called XXXX ( a music mixing software company ) out of Minnesota. The charges were reversed and investigations opened. On XX/XX/XXXX, the charge made to XXXX for XXXX was put back on our credit card. When I called to inquire why we were being charged for this obviously fraudulent transaction, I was told that Huntington Bank had closed the investigation. When they reached out to XXXX, they were able to confirm that the purchasing address and shipping address matched what they had on file for our card. Which means that someone stole our cc information, as well as our address. When I explained to Huntington that this purchase was for online software, based on their website, and that no shipping address would ever be needed for this purchase they declined to pursue further, stating that I needed to follow up with XXXX to get our money back. I have had no response from this company. I have made several calls to Huntington, their fraud department, our local branches - no one is willing to assist with a fraudulent charge or investigate it further when they have already proven that another fraudulent charge went through on the same night only minutes prior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-26
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On XX/XX/XXXX my Coinbase account got locked with {$30000.00} dollars in investments. 
I requested Coinbase to unlock my account the very next day So I could get access to my money and keep trading. 

I spoke with them 5 different times and they always say that they escalated my problem and that a specialist will help me unlock my account. 

They sent me a ticket number ( Case # XXXX ) but every time I email them they say the same thing. 

I have tried everything and its been more than 30 days since they kidnapped my account. 
I have no other choice than to make a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: Early Warning Services, LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Someone hacked into my online account and used Zelle to make two payments of {$410.00} each to an person or company unknown to me. This was fraud. using my online XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I was at a place of business requesting parts for my car to be ordered. At that place of business the local police had towed my car and kept my car at a tow service lot. I will leave out the reasons for this moment. If any pending legal matters. I did not find out that my car was towed and brought to a tow service yard until 27 days after it had been towed. I had called the tow service and the man had refused to speak to me on the phone. He had stated that I had to go there with a photo ID. I tried explaining to him that I had lost my wallet and had no photo ID. I then call the financing bank that I had the car loan with. They tell me that they had repossessed my car after 20 days of being at the tow service lot. What boggles my mind is how did someone find out the financing bank. Also what boggles my mind even more is that I had this car loan on Automatic Payment drafted from my checking account one per month. I was not struggling with any payments. The monthly payment was only {$270.00} a month. So I do not understand why my car was repossessed at all. My automatic payment was always sent on the same day for the same amount. I also keep full covered auto insurance. They never gave me an answer

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
XXXX is showing inquiries on my credit report that i did not authorize and i have contacted XXXX about correct and removing these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: EQUIFAX, INC.
State: TN
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:
I sent out a dispute letter to Equifax on XX/XX/2020 and XX/XX/2020 in regards to inquiries incorrectly reporting. No changes have been made to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: JNR Adjustment Company, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX began calling me 3 weeks ago claiming I had a balance due with XXXX XXXX XXXX ( they have an F rating with the Better Business Bureau ). I had closed my parking account at XXXX XXXX XXXX   at XXXX XXXX XXXX XXXX in XX/XX/XXXX with no monies owed. JNR claimed I owed different amounts to the facility, during the first call they claimed a balance of $ 300+, in another call JNR they claimed it was {$170.00}. 

I experienced bad service while a customer at XXXX XXXX XXXX XXXX : 1 ) XXXX XXXX  could never get my tag to work through the front entrance..I had to enter through the back alleyway ( they never fixed the problem ), 2 ) I returned my fob/tag to the facility and did not receive my deposit back, 3 ) I often found XXXX  employees sitting or leaning on my vehicle when I was parked near their valet service, 4 ) I could not get 24hr access to my vehicle, the XXXX XXXX XXXX was often " on break '' during non-peak hours, 5 ) When I had to enter through the XXXX lobby I was frequently treated unprofessionally and asked questions or denied access ( profiling -yes! ) I contacted XXXX XXXX XXXX directly via email ( my phone call messages weren't routed or returned ). I worked with a representative named XXXX. I forwarded XXXX the email correspondence from XXXX XXXX and XXXX XXXX from XXXX XXXX two representatives that I had previously worked with to close my account. On XX/XX/XXXX, XXXX emailed me acknowledging that XXXX XXXX was going to remove all fees, clear the account and remove JNR 's collection actions. I have this email from XXXX as proof. 

To date - I am still not sure if my account was cleared. JNR has still contacted me. When I followed up with XXXX regarding this matter, she replied that she will leave the account open with JNR and they will be my only means of contact. XXXX at XXXX XXXX will no longer reply to my emails or provide any details. 

JNR has refused to investigate the matter. The last representative I spoke with gave me a non working number to contact XXXX XXXX again. JNR has been unwilling to investigate this matter saying " it is your problem '', all they ( JNR ) have to do is " provide ( a wrong ) contact number to the business ''. 

I am getting the runaround from JNR and XXXX XXXX XXXX, neither company is working on my behalf to clear my account. XXXX  XXXX agreed to clear my account and then didn't follow through. 

This treatment is unprofessional, unethical and possibly illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation