BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-15
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
We spoke to a phone representative from XXXX XXXX  which is a financial representative of XXXX XXXX on XX/XX/XXXX the bill was due on XX/XX/XXXX We asked to pay the balance in full for approximately {$100.00}. 
A week later we were assessed a service fee of approximately {$40.00} as balance was not pain the XXXX and then they charged approximately another {$40.00} service fee on the service fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Citi Bank is artificially keeping my card maxed out. I had a {$10000.00} limit, I got my house ready to sell recently and incurred a lot of expenses and maxed out a couple cards. I just got the funds for my house and paid down my cards by a total of {$25000.00}. I paid down the citi card by XXXX, and the INSTANT the payment clears I get an email that states they lowered the limit to the amount I had just paid the card down to and it was because of my credit score. But now Im stuck in a catch-22. I cant improve my score because they have both lowered my limit and kept the card maxed out artificially, and I cant keep the limit where it was to improve my credit score. I just wanted to keep my limit where it was so I could get my credit score back up and they are now preventing me from doing that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I originally applied for an account with Navy Federal on XXXX XXXX With my brothers access code. Because my brother is a member I could qualify as a family member. I submitted supporting documents ( driver license, passport and utility bill ). I heard nothing back. In XXXX, I called to check the status and they informed me they could not verify my identity, so I submitted a security appeal including documents such as My passport, drivers license and utility bills. I again heard no response. I called back XXXX to check the status and they said because there was no current application on file that I Have to reapply. I reapplied XXXX XXXX and then after calling back two weeks later I was told I had to submit another security appeal. I asked the rep why I would need to do that if I have already sent one before. I am submitting documents such as a passport which is the most verified document you can submit. After speaking to a rep today and a rep from the security team, in which they were very rude and told me nothing except that they have denied the application as there was nothing left to discuss. They will not give me a reason why the application was denied

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: FirstPoint Collection Resources
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did not receive a notice of debt. I never paid this company anything. I saw the amount on my credit report I contacted the company and was told my balance was XXXX. I never gave them a dime.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I Reached out to Equifax on XXXX to let them know that they are reporting incorrect information on me in regards to a bankruptcy. I filed a dispute with them and they have not removed this incorrect information. They tried to state to me that the account was verified throughout the courthouse. I have a written and signed letter from the U.S Department of justice district of California that states they did not verify any of this information nor do they report any information to the credit bureaus. Also the addresses don't match any of mine on record. I am attaching this letter I am also attaching delivery confirmation letter I sent to Equifax in regards to this matter via XXXX. 

Equifax has violated my following rights in accordance with the fair credit reporting act 15 U.S.C 1681 Section 602 A states I have the right to privacy 15 U.S.C 1681 Section 604 A section it also state consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: LoanCare, LLC
State: VT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have had my house since XXXX and my first payment was due XX/XX/XXXX, I paid that and it went through fine, then my mortgage company switched lenders and every month since then I have not been able to make a payment! They have taken it out of my account multiple times a month and still say Im missing payments, Ive had the available funds each time Ive told them to take it out of my account and now they are trying to make me pay 3 monthly payments in one day! Ive asked to speak to a bank manager and they wont call me back, Ive emailed them with bank statements proving I have the funds and their taking out and its not a issue on my end and they wont email me back, Ive called multiple times explaining that they need to work this out and they threaten foreclosure on us if we dont make 3 payments in one day! All I want it to be able to make my monthly payments! My credit score has been affected tremendously because of this lending company and its causing my husband and I a extreme amount of stress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: Santander Consumer USA Holdings Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Santander has not removed the tradelines from my credit report in my wifes name. They agreed to do it based off the lawsuit settlement. I disputed for them to remove and they refuse to. I even disputed with the three major credit reporting companies. 

Based on the multistate investigation, the coalition alleges that Santander, through its use of sophisticated credit scoring models to forecast default risk, knew that certain segments of its population were predicted to have a high likelihood of default. Santander exposed these borrowers to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees, and high payment-to-income ratios. The coalition also alleges that Santanders aggressive pursuit of market share led it to underestimate the risk associated with loans by turning a blind eye to dealer abuse and failing to meaningfully monitor dealer behavior to minimize the risk of receiving falsified information, including the amounts specified for consumers incomes and expenses. Finally, the coalition alleges that Santander engaged in deceptive servicing practices and actively misled consumers about their rights, and risks of partial payments and loan extensions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern The following companies are listed on my credit report and I have never received the following items such as 1. Original Contract.

2. Payoff Disclosure 3. Interest Rate Disclosure 4. Balance History 5. Payment History 6. Credit Insurance LVNV FUNDING LLC {$150.00} XXXX XXXX  {$810.00} XXXX XXXX  {$620.00} I need these items removed from my credit report immediately can you please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or about XX/XX/2019 I applied for a home equity line of credit with Bank of America because I have been a long time customer of Bank of America. 

My application was assigned to XXXX XXXX XXXX, Home Service Specialist III, NMLS ID XXXX. 

Over the course of the next 8 days, I supplied all of the documents requested by Mr. XXXX. 

On or about XX/XX/XXXX, I received a phone call from Mr. XXXX with approval for an offer for a line of credit. The offer was contingent upon my using a portion of the credit line to pay off certain student loans. I declined the offer. 

On or about XX/XX/XXXX, I received an adverse action letter from Mr. XXXX at Bank of America, indicating that my application was not approved. This is factually incorrect, as I was offered a line of credit by Mr. XXXX on the XX/XX/XXXX call, but I declined the offer because it was not competitive. 

I immediately contacted Mr. XXXX to request a corrected letter be sent, correctly indicating that the offer from Bank of America was declined by me. 

Because the statements in the Adverse Action Letter were  factually incorrect statements about Bank of America 's ability to offer the loan, these statements amount to a deceptive trade practice appropriately handled by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: REGIONS FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I have been trying to refinance my loan for a few months now, and recently I was trying with Regions bank which I have a HELOC with. While Regions mortgage pulled my credit for the refinance, my credit report shows an open balance and delinquent of {$880.00} from my HELOC. However I have never used my HELOC since the day I received it. Regions also is aware that I have never used the HELOC yet they say they do not have access to see why it is reporting a balance. This issue not only hindered my refinance with Regions mortgage, but at the same time it hindered my ability to refinance with two other lenders as well because when the other lenders pulled my credit, Regions still shows the {$880.00} balance and delinquent. I have statements to prove that I have never used any funds from my HELOC account. I have called and emailed regions about this and they do nothing to help. I have suffered a loss not only form the upfront cost to do a refinance, but also lost on a low interest rate as the rates jumped up as time passed on. I would like them to compensate me back for my appraisal fee and any other fees that I had to pay. And I would like them to honor my estimate and get me refinanced. I am a parent struggling to keep things going for his family and I am in XXXX need of real assistance. I need to keep my home.

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 2023-02-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The three nationwide credit reporting agencies ( NCRAs ) Equifax, XXXX and XXXX announced significant changes to medical collection debt reporting to support consumers faced with unexpected medical bills. As of XX/XX/XXXX, paid medical collection debt will no longer appear on credit reports. And the time period before unpaid medical collection debt appears on your credit reports increases from 6 months to 1 year. This extension provides additional time to pay off medical debt before it appears on credit reports. The NCRAs will no longer include medical collections debt under {$500.00} on credit reports. 

Equifax Report : XXXX XXXX - Last Reported on XX/XX/XXXX - Balance {$150.00} XXXX XXXX XXXX - Last Reported on XX/XX/XXXX - Balance {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I got received a sba loan to my checking account, and after two weeks they hold my bank account, I tried to solve with them a lot of times but it wasnt, and they closed my account and didnt return my remaining balance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-18
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent a letter to them directly along with my identity theft report and their original XXXX XXXX dispute form and copy of my police report. i am requesting that they delete this account from my credit profile and from their office. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: Credit Bureau Collection Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
CBCS, a debt collection agency stated there is a balance of {$80.00} for XX/XX/18 which was paid. The creditor XXXX XXXX XXXX received {$80.00} for ER admission fee for 4 visits made XX/XX/2018 thru XXXX, 2018. Payments for the {$80.00} co-payments ER Admission fee payment was made {$40.00} on admission date and {$40.00} payment later with my debit card or check. XXXX XXXX XXXX Payment Summary for Account XXXX don't show any outstanding balance. A copy of XXXX XXXX XXXX Payment Summary was sent via fax to CBCS for their records, but CBCS insists there is a balance of {$80.00} which I don't agree is an outstanding debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-15
Company: Prince Parker & Associates
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
this comment is outrageous they want to charge me after cancelling service XXXX dollars money I do not have they refuse to offer me a settlement they turned me over to a collection agency I'm unemployed and contacted them to tell them they don't care they want the full amount which I can't afford threatened me to ruin my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
A checking account was opened at XXXX XXXX XXXX in XXXX Florida Ive never lived in Florida. My birthdate, phone number, and email used to open this account is incorrect. Someone stole my identity and opened this account without my permission.

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 2017-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 Sunday, XX/XX/2017, I received an email from XXXX. XXXX is a credit monitoring/money budgeting service that I use to keep track of my finances. The e-mail they sent me was for a new credit monitoring alertstating that I had added an authorized user to my Capital One credit card. Only there was already a problem thereI have never even applied for a Capital One credit card. I was alarmed to say the least. I called Capital One using the general service phone number and the menu prompted me for either my card/account # or social security #. Because I have never had an account with Capital One, I tried putting my social security number in, followed by my birthday. To say that I was unpleasantly surprised when the machine responded with, I have found your account, would be an absolute understatement. I was LIVID. I grew even angrier when the machine told me the balance was {$14000.00} and that my next monthly payment would be due in the amount of {$300.00}. I was so confused as to how someone got my information, opened a card, charged {$14000.00} and got away with it. I have been taken advantage of. How come Capital One never sent anything to my home address regarding my account? What email were the alerts from them going to, if there were any? I have four credit cardsXXXX, XXXX XXXX XXXX, and two Chase cards. Along with that, I have a private student loan with XXXX XXXX XXXX, as well as a government loan. Finally, I have a leased vehicle through XXXX XXXX XXXX. I work full time for a mortgage company and have been here for the past 3.5 yearswe deal with credit and credit monitoring CONSTANTLY. To say that I am on top of my finances is also an understatement at best. I need this figured out because I have no idea how long this has been affecting my credit. I have pulled my own credit report twice in the past year and have not seen Capital One reporting, which is what also alarms me. Please do the research and listen to any calls and review any correspondence you have with mebecause unfortunately, it was likely not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: Paypal Holdings, Inc
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2019 I ordered a product as advertised online through a seller using PayPal as the service to transact through. I captured the screenshots of the product ordered. The seller delivered something entirely different than the product I ordered. I opened a dispute with PayPal. I also contacted my Credit Card Company, XXXX XXXX  XXXX to alert them. I spent months going back and forth between the 2 companies. Finally, XXXX XXXX XXXX stated it would have to be resolved by PayPal as that's where the transaction originated. I also tried to contact the seller in order for him to send me the correct item. He refused stating what he sent was accurate which is totally false. I am including the email communication between myself and the seller. I reported it all to PayPal providing the email history between me and the seller actually proving what was sent was NOT what I ordered. 

PayPal is claiming they can not issue a refund to me because it is beyond 180 days and that I need to resolve through XXXX  XXXX XXXX. XXXX XXXX XXXX states I need to resolve through PayPal which I agree with as the seller clearly falsely advertised a product for sale. I would NEVER have purchase what was sent, ever. And I explained this to PayPal over and over again. Additionally I kept communicating with PayPal through their online messaging system to insure my dispute stayed open but they closed it anyway. 

I feel it is worth mentioning that 100 's if not 1000 's of PayPal customers are or have experienced the same issue with them. PayPal 's XXXX page is overloaded with upset customers posting complaints because they can not get the issues they are having resolved by PayPal. PayPal polices the XXXX page quickly blocking and deleting these complaints calling them " repetitive '' post when in all honesty its hard working people who only want PayPal to resolve their issue. I also have screenshots of PayPal warning me they would delete my posts and block me, which they have done. 

People need to be made aware of PayPal 's BAD business practices so they can stay far away from them. We need your help in exposing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: EMG ACQUISITION GROUP, LLC
State: PA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am represented by an attorney XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX Ph # XXXX. I filed for Chapter XXXX bankruptcy through this attorney. 

I notified Minute Loan Center located at XXXX XXXX XXXX, XXXX, DE XXXX, Ph # ( XXXX ) XXXX, Ph # ( XXXX ) XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX ; Ph # ( XXXX ) XXXX of the attorney 's representation and the bankruptcy filing. 

I received text messages and voice messages from Minute Loan Center daily requesting me to contact " XXXX '' or XXXX regarding the loan. I replied several times stating Do Not Contact Me and contact Attorney XXXX XXXX. Minute Loan Center continues to text and call daily. 

On XX/XX/2020, I contacted XXXX and spoke to XXXX. After informing XXXX of the same, XXXX stated XXXX will continue collection activities regardless until they receive a letter from the court.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: LEXISNEXIS
State: OH
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 XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I HAVE SEVERAL UNRECOGNIZED ACCOUNTS SHOWING ON MY CREDIT REPORT. I AM DISPUTING THE FOLLOWING ACCOUNTS XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. I HAVE REQUESTED DOCUMENTATION A FEW TIMES IN XX/XX/XXXX AND XX/XX/XXXX. I NEVER GET ANY CLEAR ANSWERS OR PAPERWORK. THESE ACCOUNTS ARE FRAUDULENT. I DISPUTE THEM UNDER FCRA 623, 611, AND 605B.

Company response to consumer: Closed with explanation