BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-07
Company: DISCOVER BANK
State: NM
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:
XXXX XXXX XXXX made an error in reporting my payment status and is not willing to fix it. They are reporting me as paying late in XX/XX/2018 and I was never late in paying my account. It was an error on XXXX XXXX XXXX part.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I fell victim to identity theft in XX/XX/XXXX and was made fully aware of its extent by XX/XX/XXXX. I asked for an investigation by the companies feud department and never heard a response. I sent certified U.S. mail dispute letter to the collection agency under the authority of the FDCPA requesting verification. I have not received any response. The company now is suing me in Massachusetts District Court, and I do not live in Massachusetts. The Court have given me 20 days to answer the complaint which Ive chosen in lieu to file a motion for dismissal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Following up to Complaint ID : XXXX because I am still awaiting a response from Bank of America. They did not approach and respond to any of the addressed issues. Please reference the following the above Complaint ID with an adequate, relevant response to the topic at hand. I have waited more than the average response time for a company reply on the Consumer Financial Bureau twice now. I am unsure of the current status of the accounts and only approach to resolve at this point. I have been more than transparent and reasonable with this issue. 

I mentioned in the last Complaint that Bank of America charged my accounts off, which I have evidence or then threatened to sue me via mail some time ago. When attempting to resolve the issue internally on several occassions, many of which took place months and months ago, Bank of America said they could not work with me financially even after I took heed to their advice of going two months behind, which brought down my credit score significantly. Even after doing this, they still offered me no internal financial plans, options, or suggestions as to an appropiate resolve given the pandemic and my current situation during this time. 

At this point, Bank of America is appearing to once again be negligent to the situation and not being transparent in terms of their desired approach and/or proposed resolve to the debts. 

I am extremely disappointed and dissatisfied with their service and their lack of customer support and/or lack of customer solutions. If Bank of America keeps remaining negligent and not complying to Federal COVID relief laws, I will have to move on to a bank that does. 

The Consumer Financial Bureau portal is the best method of contact for 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 2019-03-15
Company: EQUIFAX, INC.
State: LA
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:
Equifax ; XXXX and XXXX are reporting incorrectly that I am 120-150 days past due on XXXX - partial account number XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the three bureaus and requested the issues be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
To Whom It May Concern : I am currently using Navient to service my student loans. I have made on-time payments each month, and have never been late with my payments. However, each time I make payments online, my online Navient Account claims that all my current and future loans are " Past Due. '' To clarify, I recently paid {$250.00} for the month of XXXX. My next payment is due XX/XX/XXXX, but my Navient Account states that the upcoming amount is also past due. After, I made this payment, I received a payment confirmation. Today, I received another email saying that they have no receipt of my recent payment and that I will need to pay this amount on top of my XX/XX/XXXX amount. My bank account has already cleared this past amount. A few months ago, I reached out to Navient via their phone customer service ans was told this problem would be corrected. However, no such correction has yet to occur. I am frustrated with Navient 's sluggish response because I do n't want to overpay. I desire honest feedback and the automated emails that continue to be spent to me despite my payments are frustrating and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: BARCLAYS BANK DELAWARE
State: NJ
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:
Hello, I have a credit card with Barclays Bank. It is a XXXX Mastercard. While it was in my name, my ex husband ran up a ton of debt, than stopped paying it. I have been trying to pay it, and they will not allow me to. It is no longer at the collections agency so I can't pay them, nor does the original creditor have the account, so I can't pay them either. They are destroying my credit but will not allow me to fix it. My account is somewhere in limbo, and despite numerous phone calls to both the collection agency and creditor, I was still told that I can't pay this debt. It is unfair to ruin my credit when I am desperately trying to settle the debt owed. My credit has been destroyed, I can't get a mortgage, and despite every attempt on my part to fulfill my financial obligations, I keep hitting a wall. I even offered to pay the balance in full immediately, and they refused. I should not be held liable for this debt as I have no way of settling it.

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 2018-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and did not open these accounts. Per The FCRA, accounts which are not demonstrated in clarity to be true, correct, complete and timely must be removed from a credit report.. Since credit bureaus failed to properly investigate and send me evidence of the said responsibility, I demand an immediate removal on the following accounts : XXXX XXXX, XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: Experian Information Solutions Inc.
State: HI
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 Experion, XXXX XXXX stated that I had Failed to Pay XX/XX/XXXX and XX/XX/XXXX when the account was paid off XX/XX/XXXX. I submitted a dispute with Experion and now the new report shows Failed to Pay for XX/XX/XXXX additionally. The agreement with creditor was that all negative items would come off my report when I paid in XX/XX/XXXX. Now they are adding more bad marks.

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 2018-03-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had an earlier complaint XXXX and at first got helpful calls from the person assigned to my complaint. 

The explanation from Bank of America is rather misleading. The reality is that their website makes it very difficult to manage payments properly. They have it set up that way in order to increase their late fees and interest payments. 

Moreover, their customer service people are horrible to work with. It is impossible to get anything in writing, nor to get a person who has any discretion to make a reasonable decision. 

As part of that agreement I made with Bank of America, they agreed to waive fees until the card was canceled. When I paid off the balance, they canceled the card, but charged another {$60.00} in fees and interest. 

I tried calling the assigned service representative, XXXX XXXX, many times, I got no reply.

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 2020-05-14
Company: U.S. BANCORP
State: MN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
DUE TO COVID-19 VIRUS OUTBREAK, I WAS LAID OFF FROM MY JOB. I APPLIED FOR UNEMPLOYMENT BENEFITS AND SELECTED US BANK RELIA CARD  VISA FOR UNEMPLOYMENT BENEFITS TO DEPOSIT THERE. SO I SELECTED DEBIT CARD THINKING THAT A NEW ONE WILL COME, AND RELIACARD VISA FROM 8 YEARS AGO WAS STILL ON FILE. SO I TRIED TO CALLED U.S BANK RELIACARD FOR ALMOST 1 MONTH AND HALF NO STAFF ANSWERS WAITED ON THE PHONE FOR 3 HOURS BEEN CALLING EVERYDAY NO MATTER WHAT TIME IT IS THEY DON'T ANSWER. I CALLED MN UNEMPLOYMENT OFFICE THEY TOLD ME I HAVE TO CALL AND REPORT THE CARD LOST OR STOLEN HOWEVER, I DON'T EVEN HAVE THE NUMBER OF THE DEBIT CARD TO DEACTIVATE IT. I DO'T UNDERSTAND WHY I CAN NOT GET A REPRESENTATIVE ON THE PHONE. WEEKS HAVE GONE BY AND I AM UNABLE TO RECEIVE MY UNEMPLOYMENT BENEFITS. THE US BANK RELIACARD TOLL FREE NUMBER XXXX. I'M JUST TRYING TO INFORM THEM THIS CARD NEEDS TO BE DEACTIVATED AND FOR THEM TO SEND A NEW ONE SO I CAN RECEIVE MY BENEFITS. US BANK RELIACARD MNUNEMP.

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 2019-03-15
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
On XX/XX/2019 ; I made a payment online to Santander Consumer, USA ; My CAR loan finance company ; I choose to make a payment of {$100.00} towards the principal ; They will not apply my payment, and want to it to apply to interest. 

When I called to confirm my payment was applied towards the principal loan balance ; Santander refused to apply my payment to the principal ; even when my payment is not due till XX/XX/2019 ; They are very unethical and pricing gouging customers. 

This Company charges me 26 % and has applied less than 10 % towards the principal and has priced gouged the interest rate and have taken advantage of charging 26 % interest rate. 

This is unethical business practices, and they fraudulent represents themselves ; indicating interest is due daily and due daily is NOT what my contract indicates ; I am charged monthly ; denying my right to make a payment towards the principal balance of this CAR LOAN is breach of contract, and misleading representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
As a victim of identity theft for over 7 different fraud accounts, I was able to dispute, solve and remove all these accounts from my 3 major credit reports with the credit bureaus and by directly contacting the creditors, except for Capital One credit company. I had a Capital One credit card which I permanently closed back in XXXX. However, CO informed me that a fraud account was opened under my name back in XXXX but never been used, and they captured this fraud account and closed it around a week ago. I have contacted Capital One few times to request that all their information to be removed from my credit reports, including the fraud account that they captured and has no outstanding balance or dues, as it indicate negative effect on my credit score. However, Capital One refused to remove these data or to request the 3 major credit bureaus to remove these accounts from their data. Capital One also refused to provide me with the account or card number. The agents and managers that I spoke to in Capital One claimed that this is their policy and regulations that they have to follow! Capital One has been always the worst creditor ever and the least who cares about their customers, and this is what made me close my account back in XXXX. I need all data and info related to Capital One to be permanently removed from any credit report belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-07
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act- XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX. Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Rocket Mortgage, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied end of XXXX, XX/XX/XXXX was given an approval letter stating they had verified income debts and assets, which was valid thru XX/XX/XXXX to close on the home on XX/XX/XXXX I had in contract after submitting all necessary documentation for review. Around XX/XX/XXXX they asked to delay close to XX/XX/XXXX as they were still verifying insurance, property taxes and condo docs. I had to give notice at my apartment and did so to be out XX/XX/XXXX which would have ben plenty of time to get situated and they had leased it for XX/XX/XXXX move in. 

They said at some point that they had to close the application due to their " internal compliance timer being up '' and to restart the loan process, which I did and not to worry. this time they said I couldn't use my business income, so the CPA audit they had me pay for the 1st time around was for nothing, and they won't reimburse that cost. My moving expenses became higher due to having to move to another location temporarily and incur storage costs. I lost half my earnest money because they failed to honor their approval commitment letter. All said, I was out almost {$7000.00} in expenses ( reduced for what they would have been if the move happened as planned ) that won't be reimbursed. 

TO date I have received not in in writing by mail explains to me why I was denied credit for either application i made with them. In fact I have almost zero correspondence that has anything to do with regulatory disclosures and actions, and actually found some of those that were electronic had ben deleted from the portal I used on their website for document retentions and submission.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
Experian is reporting incorrectly that I am 90 plus days past due on loans with the XXXX XXXX - account numbers XXXX and XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted this bureau and requested this item be fixed. The incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

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 2017-08-01
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Seterus is a lying company and they lie that they reply I would like from them to see this ; 1.Seterus must  provide a clear Mortgage Note with my name on it. I am not on the mortgage note and my name XXXX XXXX is not on it. 2. I would like to see a document informing me in 2016 that there is a foreclosure on my property. Everything was done in a top secret close door without anybody being informed which is illegal in any country. XXXX. I would like to see an official document informing as required by law in PA about action of a property including my name on it The sale was for only {$1000.00} which is less than the cost of the refrigerated and there is {$74000.00} stolen items from the house and there is {$260000.00} total loss which is not being financed by institution since they are my private property. I would like Seterus to provide a clear document giving them permission to defraud my property. Everything was done without any court document or order between XX/XX/XXXX until XXXX XXXX, 2016. The company directly responsible for all the illegality which took place is law firm XXXX from New Jersey. Seterus is lying when they say that they responded.I would like to see the repose to those specific question mention in the complain and not their lies. Time for lying is over.CFPB has now specific question Seterus must reply not lie that they responded

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Rocket Mortgage, LLC
State: MA
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:
My husband and I are looking to begin going through the home buying process and googled a pre-qualification online, and found QuickenLoans. They explicitly stated the difference between pre-qualification and pre-approval on a very helpful article on their website. The main difference being for pre-qualification it is not hard pull, and amount can vary and change, while pre-approval was a hard pull on your credit and more concrete amount for mortgage. Since we just started looking my husband and I opted for pre-qualification, while going through the process on Quicken Loans it prompted me to put in my personal information ( social security #, address, DOB ), and then the next screen was consent for Quicken Loans to " access my credit ''. The next page when I selected to continue, did not give me a pre-qualification number only a phone number to call. It was Sunday so we called on Monday, which Quicken Loans could not find my pre-qualification application, we were then notified later that day by our credit monitoring that Quicken Loans had done a hard pull on our credit. When we called them back we spoke with XXXX XXXX who stated that we gave " consent '' we expressed that it was misleading and we didn't even get a pre-qualification number, which she was also never able to provide us with. We asked her to remove the hard pull, ( XXXX said they have the right to remove the inquiry by law ), but they have refused to do so and will not direct me with anyone else to speak with.

Company response to consumer: Closed with explanation