BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-08
Company: REGIONS FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
XXXX called me on the phone, told me my company was pre-approved for their gas card, and sent it to me after a brief phone interview/application. I used the card, never got anything in the mail or email or anything telling me I had a balance owing and how much to pay or to where to send payment. I called the number on the credit card to inquire about this and they said my account was already referred to a collection agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-30
Company: TIDEWATER FINANCE COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
we bought furniture and where paying fine till our grand daughter was diagnosis with XXXX after that our financing went down the drain i tried to tell that we are back on our feet and that i am willing to pay full amount out for pay for deletion and i am willing to get them a hardship letter in order for them to delete but they are refusing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
One of my check was being stolen from the recipient and somebody else cashed the check of XXXX US Dollars in XX/XX/2019. I contacted Chase bank over 4 times and send back the form they requited 3 times, and they claimed they never receive it and asked me to send again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
i am refinancing my home mortgage loan currently having with Bank of America. My new housing loan provider wire transferred pay off amount on XX/XX/XXXX. Till date no response from Bank of America and even Bank of America collecting ACH payments. on XX/XX/XXXX reached out to Bank of America over phone and my call duration including wait time is 3hours 30 mins. Reached out to Bank of America help desk through XXXX and a member from Social media team called me on XX/XX/XXXX. On XX/XX/XXXX Bank of America took ACH payment on my Mortgage ( which got paid off on XX/XX/XXXX ). On XX/XX/XXXX there is no information on Bank of America online portal and i dont have any clue till now.

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 2020-05-18
Company: BARCLAYS BANK DELAWARE
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:
I'm showing a charge off account on my credit file from Barclay's- I have already paid, settled and close this account. Please see attached documents for proof of payment and settlement. I have tried to contact Barclays to make sure that they update my records with XXXX, they have not update my file with XXXX. Also, XXXX  continues to report this as late payment on my file. Barclay 's account is charge off and the last late payment on my account was reported in XX/XX/2017. This account was steeled and the creditor agreed to delete this account form my file. I have been trying to speak with XXXX  and have them update my file and delete this account and fix my FICO score, they have report and lowered my fico score by 18 point on XX/XX/XXXX. I have exhausted all options with Barclays and XXXX and no luck.

PLEASE HELP ME

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 2020-05-18
Company: EQUIFAX, INC.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2018-02-27
Company: Early Warning Services, LLC
State: WA
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:
The Early Warning company has placed a high risk alert under my name and social in which I cant open a bank account anywhere. In late XX/XX/2015, my bank was compromised by my ex husband and fraudulent activities were done against my account. I notified XXXX XXXX XXXX about the account being compromised when several thousands of forged money orders were deposited into ATMs for direct cash back. I didnt know that my ex husband was a party to this therefore the bank decided to contact this consumer reporting company which has blocked my banking privileges for 10 years. I believe this company is violating the fcra and other laws in the state of Washington whereas I reside. To be banned to open a banking account constitutes a felony charge of fraud in which I havent committed a crime nor have authorities pursued any charges to justify why this ban to open a checking and savings account. I will also forward my complaint to the state attorneys general office in Washington that this company is violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Bread Financial Holdings, 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: Old information reappears or never goes away

Complaint:
XX/XX/XXXX XXXX account need to be removed from my credit report this information is incorrect- XXXX  XXXX XXXX XXXX XXXX account need to be removed from my credit report because this account is inactive - Comenity bank/XXXX XXXX XXXX XXXX account need to be removed from my credit report it has been past 7 years - ComenityBK/XXXX XXXX XXXX account need to be removed from my credit report - Medical bill was paid after the insurance dispute. XXXX XXXX account need to be removed from my credit report this account is past 7 years - XXXX/XXXX XXXX XXXX account to be removed from my credit report this account has been inactive - XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
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 is missing that should be on the report

Complaint:
My new address hasn't shown up on report. I've sent proper documentation to Experian and XXXX  to have my address updated months ago and nothing has changed. it is stopping me from getting a car loan.

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 2020-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On Thursday XX/XX/XXXX, I made a payment over the phone with a CapitalOne Credit Card collection agent. This payment was in the amount of {$1200.00} to bring my Credit Card balance back to good standing which is my {$800.00} Credit Limit. I must admit I have had a very rough time financially since testing positive for COVID19 back in XXXX and been furloughed from my job. Back in XXXX I did call CapitalOne to look for COVID19 assistance and I was enrolled in a program that prevent me from accessing late fees. This was a huge help for me, because it prevented my balance from going higher while I was fighting to survive at home while I was on isolation without any income. The CO agent advice me it would be on my best interested to pay the whole amount of {$1200.00} to bring my due balance back to XXXX which I agreed to do even though that is all the money I had left from my stimulus package. I thought maybe if I pay the full amount now CO will stop reporting negative payment to my credit. On Friday, XX/XX/XXXX I saw my payment had posted and my balance was back to {$0.00} and my available credit was {$800.00} which was a great feeling. But that all changed today Monday XX/XX/XXXX when after logging into my CO bank account I noticed my credit card had been CLOSED DOWN. I immediately contacted CO to see if there was a glitch in the system. The customer service informed me my account was scheduled to closed on Sunday XX/XX/XXXX. When I asked how is that possible? I just made a payment on Thursday and it was posted on Friday. How can my account closed 3 days after me making a payment? The agent stated my account was already scheduled to be closed because it had been over the limit for 91 days. The 91 days supposed it take into effect on Wednesday, XX/XX/XXXX. But when I called on Thursday XX/XX/XXXX the agent stated my account was still open and that I should make a full payment to bring it back to good standing, however the account was closed down on Sunday XX/XX/XXXX, three days after I had already submitted a full payment. 

CapitalOne made a mistake and allowed a closure to be processed even when the payment had been submitted and processed. The agent I spoke today informed me this account can not be re open and that I have settled my debt with capital one. What debt?? My credit limit was {$800.00} I just owed {$430.00}. So this means I get nothing? This is very unfair, specially to someone who has been home not working or getting paid due to COVID19. I don't know how I am going to make it to the end of XXXX. I am a single mother of a XXXX XXXX XXXX daughter and all I wanted was to pay my due balance and have my credit card back to good standing. 

Please help me. 
XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: MEGASTAR FINANCIAL CORP
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was provided with contact information for XXXX XXXX XXXX a lender at MegaStar Financial Corp. by a realtor with the best of intentions. When I got in contact with Mr XXXX one of the first things he advised me to do was pay off my debt including a {$15000.00} vehicle loan. This is a substantial amount of money for me at any time but especially now because Im currently furloughed due to COVID-19. I felt a genuine unease not only because Im a first time home buyer but because my mental ability for making decisions has been severely compromised due to XXXX both of which require me to rely heavily on people who are supposed to be professionals. I proceeded with Mr XXXX advice and after paying off all but my car, which I was still reluctant to do, I contacted him to let him know the progress. The first thing he said was what about the vehicle? It was obvious that Mr XXXX wanted me to pay off my car. After I did what he advised I contacted him once again to let him know. It was at this point that Mr XXXX informed me that I was ineligible for a loan at this time due to the furlough. A fact Mr XXXX had neglected to inform me of prior to paying off the vehicle. If he had informed me I would not have had a reason to proceeded in paying off my car loan at this time. My lease is up on my apartment next month and I dont have a house or the {$15000.00} I will need for a place to live and to fund my education over the summer. Im less than 60 days away from being homeless. Advising a furloughed restaurant server with limited funds in the middle of a pandemic to pay off a {$15000.00} car loan is not only incompetent it is negligent. In his follow up call Mr XXXX actually used his own lack of debt as some kind of standard because like he said he only pays cash for his cars. Mr XXXX is a working banker and I am an out of work waiter, his comparison only further proves the incompetence. There is however something called an ethical standard. {$15000.00} may not be a lot of money to him or anyone reading this but it is to me. The distress this has placed on me is borderline fatal at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: BMW Financial Services NA, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
XXXX conducted a 3rd party lease end inspection to my car on X/XX/2017 at my place of work. The detailed report online 2 days later indicated {$0.00} in damage. When I returned the car to BMW they noticed modified suspension and charged me over {$2000.00}. How did XXXX not pick this up 45 days earlier? I was not the original owner of this lease, I assumed it from the original owner ( who failed to disclose the changes ). XXXX must be working with BMW because I Was charged for the inflated dealer labor and parts. When I tried to contact BMWFS they kicked me back to the dealer. When I called the dealer they told me to go to BMWFS. XXXX must be held accountable for some of this mess. If they do an inspection they must adhere to that and not go behind the customers back and change the inspection 45 days later. Why do the inspection in the first place? Or why would BMWFS sublet this out to such a terrible company and then not use the original inspection report???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I can not get a human on the phone to talk about my refinance, they changed the refinance term without my approval, no one will help me from Roundpoint mortgage. I have spent 7 days on hold and sent 50 emails.It went from 30 years saving over XXXX a month of my loan to 25 years saving a little over XXXX a month. That makes no sense, I would have never changed from a 15 year loan to 25 to save a mere XXXX dollars a month.

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 2022-03-31
Company: Diversified Adjustment Service, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received letter in mail about a XXXX debt from 5 years ago. I Never had 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 2019-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/2019 I paid off 3 credit cards from Capital one, in full they keep trying to charge me interest on these 3 cards even though 2 off the cards I got checks back on for rewards points one card claims I owe .XXXX cents another one claims I owe XXXX and another one claims I owe XXXX this bank is charging me for bills I paid off in full if I don't pay them they will charge me XXXX  late fee on each card even though I don't owe them any money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-15
Company: BARCLAYS BANK DELAWARE
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:
XX/XX/2020, XXXX XXXX  a charge for {$1700.00} and {$49.00}. Notification was sent to rescind the contract on XX/XX/2020. 
The charges are still on my account. 
The representative at Barclay would not allow me to dispute these two amounts. The person would not allow me to speak with the supervisor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-19
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hayt Hayt & Landau, P.L., Third-Party Debt Collector, has attempted to collect a debt that I do not owe. This Debt Collector did not have my expressed consent, authorized signature or court order to use my private information.They have called my family telling them I owe a debt and defaming my character.

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 2020-12-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am trying to place a temporary lift of my credit freeze with Equifax. It is XXXX. I first tried their automated phone system, which takes me all the way through entering all my info and then says that it can not complete the operation and directs me to their website. For the last 48 hours, I have tried logging into their website. I can successfully log in, but the link that would allow me to manage a credit freeze leads to a page which does not load. I called one of their customer service numbers this morning and was able to connect to a person, but that person had incorrect information about my credit history ( mortgage and car lease ) and refused to grant access to my account. They redirected me to a different number which I have been calling and not getting through to for the last 4 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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, XXXX XXXX, checked my credit report and noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit bureaus to remedy the situation but they would not help me to remove these fraudulent accounts.

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 2020-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The Credit Bureau and TransUnion are reporting accounts that are not mine and inaccurate information in my credit file. I have disputed and provided documents to prove the information is is not mine or inaccurate but they have refused to delete the information. According to FCRA they are only suppose to report accurate and correct information. I have requested that they provide me proof that a account is mine but they have refused. Their response is the creditor verified the account to be accurate. I requested to see the original signed contract or document bearing my signature for such account but no proof have been provided to me. Also my name and address is incorrect. I provided documentation to them to delete and correct this information but they refused and added the new information I provided but left the wrong and inaccurate information in my credit file. I only have one name and one address and one date of birth. I have no aliases.The account that I provided proof that they are not mine are as follows TransUnion Reports the following accounts that are not mine and proof supporting that was provided XXXX XXXX # XXXX XXXX  XXXX  # XXXX XXXX XXXX # XXXX XXXX  # XXXX. 
I would like to add that my personal information and crefit file was among those affected by the data breach in 2017. Also I want to note prior to that I was a victim of identity fraud in which I had to meet with an FBI agent to sign documents surrounding that case. At that time I submitted this information to all three credit bureaus

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