BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
O

n XX/XX/XXXX, I applied and was approved for Bank of America Business Fundamentals Checking Account. The offer attached to that account entitled : Receive a sign up bonus of {$200.00} when you open a new eligible small business checking account ( Business Advantage or Fundamentals ) with Bank of America and complete the following requirements : Make at least {$1000.00} in Qualifying Deposits into that new business checking account within sixty ( 60 ) days of account opening. On XX/XX/XXXX a deposit of {$1000.00} posted to this account. Few days later, Bank of America closed my account and sent me a check for the outstanding balance, they never disclosed the reason for closing my account. On XX/XX/XXXX, Bank of America sent me a letter stating the following : According to our records, the business checking account you opene
d online as part of our recent bonus offer, where you could earn {$200.00} is now closed. As a result, your account does n't qualify for this offer.

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 2021-09-14
Company: EQUIFAX, INC.
State: VA
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:
My account still shows a XXXX  XXXX XXXX XXXX  as " open '' although the loan was paid off XX/XX/2021. 
I filed a dispute, but their website was unable to upload my payoff confirmation letter. 
I then called Equifax, but was told that they are unable to accpet documentation submitted AFTER a dispute is filed. 

Complaint : Equifax 's policies prevent a consumer from submitting documentation in order to resolve a dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never sign contracted or have anything to do with this company. They are violating HIPPA law by disclosing medical reason for collection

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 2021-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX I noticed I had overpaid on my Kohls charge account. When I called they stated it would take 7 to 11 days to process and then 2-4 weeks to mail a check. I called on XX/XX/XXXX and on XX/XX/XXXX. I was informed the check was mailed on XX/XX/XXXX. I never received it. The company had now zeroed out my account but I still haven't received the over payment. I then followed up on XX/XX/XXXX. I was told they would expedite the process and send another check within 7-11 days and they would even attempt to overnight it. I haven't received anything. I called back on XXXX was informed whomever I talked to before was wrong they do not expedite these processes a new case was not open and it will take another 2-4 weeks to process another check. It's been over 2 months and I'm not able to receive my money returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: Santander Consumer USA Holdings Inc.
State: RI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: ENCORE CAPITAL GROUP INC.
State: FL
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 is reporting false information that is inaccurate and erroneous to the 3 credit bureaus that is not in compliance with the FCRA. I have never signed or opened an account with them. I have sent multiple letters ( see attached documents ) to XXXX XXXX and the 3 credit bureaus ; however, the investigations and re-investigations continue to come back as verified. XXXX XXXX is not a creditor ; however, they are reporting as if they are to cause maximum harm to a consumer 's credit score by providing informational changes on a monthly basis that pertains to an account status changing from installment debt buyer factoring company - other. In addition, the account shows as other on some reports and collections on another report, and they might change to show open or closed as well for the status of the account. In addition, they are reporting past dues and payment histories as if they are a creditor. Furthermore, under FDCPA 803 ( 4 ) - a party who purchases a debt that is in default for the sole purpose of collecting the debt is not a creditor. XXXX XXXX is not my creditor. I have never opened an account with this collection agency. Please find the information in the attached documents pertaining to my information and their findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a complaint for making false statements in regards to my complaint through CFPB ( A FEDRAL AGENCY ). 

1. You claim the picture that was sent to you on this complaint was not visible which is false. It is so false that the USPS read it so clearly they gave me another proof of delivery showing that they delivered my correspondence ( payments ) to your XXXX XXXX XXXX not XXXX as you falsely claim ( see proof of delivery ). So you are either claiming me and or USPS ( a FEDRAL AGENCY ) making false claims or YOU are making false claims which is a federal offence. 

2. You claim the correspondence ( payments with 2 checks ) I sent to you XX/XX/2021 ( XXXX ) was magically received on ( according to you and Rushmore Loan Management ) on XXXX XXXX ( with no evidence ). Again another false claim since the proof of delivery proves that this correspondence was delivered on XX/XX/2021 at XXXX XXXX. at your XXXX XXXX XXXX signed by whoever you have there. So you are either claiming me and or USPS ( A FEDERAL AGENCY ) making false claims or you and or Rushmore Loan Mgt. are making false claims which is a federal offence. 

3. You claim to have received only one check # XXXX and not two checks through this correspondence? Again this is a false claim since picture taken at Post Office in day of ( XX/XX/2021 ) correspondence being mailed ( XXXX ) to Rushmore Loan Management clearly shows 2 checks # XXXX and # XXXX with full amount payments. 

4. Regarding your claim that XXXX XXXX ( who supposedly signed for this correspondence ) does not work at your lock box, lets just say since you have made so many false claims lets assume this is another false claim of someone signing a wrong name or you making another false claim they do not work there frankly it does not matter since all evidence proves that this correspondence was delivered to Rushmore Loan Management at XXXX XXXX XXXX at XXXX XXXX  on XX/XX/2021 and signed by someone at this address through USPS with proof of delivery.

5. Since you have lost my check and or someone stole my check from your address I have put a stop check on check number # XXXX for the amount of {$280.00}. XXXX  therefor you RUSHMORE LOAN MANAGEMENT must pay this amount of {$15.00} to cover this stop payment. 

6. Also you sent a letter claiming you ( Rushmore Loan Management ) would not be adding any late fees since I had proof that I had sent you payment on time and to your address signed by someone there yet you continue to send me statements with late fees ( XXXX and XX/XX/2021 ). You must correct this immediately and send me correct statements with no late fees and you better have not given any false information to credit bureaus. 



I will await for this amount as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: EQUIFAX, INC.
State: TX
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 filed bankruptcy and was discharge XX/XX/XXXX, but my home and auto loan was not part of the bankruptcy and I sold my vehicle to XXXX and it was paid in full but the finance company reports to my credit beauru that it was under backruptcy which is incorrect! I have contacted the company many times and still no support or customer service. The finance company is XX/XX/XXXX and the loan number is XXXX VIN : XXXX for XXXX XXXX XXXX. This vehicle was paid in full on XX/XX/XXXX AND WAS NOT UNDER BANKRUTPCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: ALLIANT CREDIT UNION
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 information incorrect

Complaint:
I had an outstanding collection with Alliant Credit Union. When I tried to settle my debt with them, they told me that they can not speak to me because my debt was sent to a collection company. 

I spoke with the collection company ( XXXX ) and settled my debt for {$2000.00}. On the letter that I received from them, they stated that " your account will be updated on your credit report as settled/paid in full. '' My credit report was updated to show my balance with XXXX as {$2000.00} less than what it originally was. They did not report this as settled, rather they subtracted my payment from what I originally owed them. 

They are now showing that my account is still outstanding which is impacting my ability to obtain a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chase Bank closed my business account due to a check deposited into the account with a wrong name. 
They requested me proof of ownership of the check and I provided directly into to Branch.

Now they said that they don't have any documentation, ( this is not true since I have confirmed in the previous phone calls that they have all the information ) Now they debited my account with more than XXXX $ without authorization and Chase, kept my money don't want to return my funds. I have more than 4 months trying to recover my money and its impossible.The CHASE closed account number is XXXX under XXXX XXXX XXXX name. 
Last phone contacts on the phone number XXXX : XX/XX/2021 ( XXXX ) XX/XX/2021 ( XXXX  ) with more than 2 hour each call. 

Please we need your help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: ALLY FINANCIAL INC.
State: NY
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:
ALLY FINANCIAL Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX add a hard inquiries on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-10-08
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After my social security card was lost I had my identity stolen and a number of accounts were opened fraudulently. One of them is an account with XXXX. This debt has been purchased by Midland Credit Management. I do not know how much the debt is for the account was opened by someone else and this is a case of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX at XXXX XXXX XXXX XXXX called and left a voice message. Then at XXXX a rep called again and left another voice message. I can understand once a day but calling again is harassment. I still have the voicemails. This isnt just about mortgage. I have several loans with this bank

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I have been trying to fix my credit report information with XXXX and TransUnion all the necessary supporting document was provided to correct the problem but its seems like they can not provide and accurate information every time I called a information provided its always been different Ive been trying to fix my report since XXXX but until now information is still not fix Ive missed a lot of opportunity to get the House we wanted for our family and Im into the point of contact a lawyer and help me fixing this matter Ive wasted a lot of hours and time to give a very detailed information to make the process faster but until now its not being fix and the worse part is my credit score kept on getting lower because of all the inaccurate information

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 2021-03-07
Company: LoanCare, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, I tried to log in to pay my mortgage XXXX My log in failed - there was no message saying anything was wrong with password or ID ... it just kept reverting back to log in. I even tried forgot password to see if that would help. 

No luck. No tech support available through their website. I called customer service. They have the most convoluted " Self SErvice '' messaging. And their customer call line keeps directing one back to the website. I spent over an hour trying to find my way through their phone system. I can't even remember how but I finally got a person. Not the usual press 0 or # ( In fact when you press 0 more than once you get a good-bye and then a hang up ). Once I got a person, she told me I was locked out of my account because I had my cell phone number also listed in the home number spot. She unlocked my account and I was able to pay. 

Today one month later I log in to make a payment ... and the same thing ... log in does nothing except bring back a new log in screen. No error message ... just a continuous loop back to log in. So I called again. I have spent 45 minutes trying to find anything on the phone service that will be of help. I can not figure out how to reach a person and NOTHING at the customer service line leads to something or someone to help with this matter. 

This trouble paying can lead to credit damage. How do I get to speak to someone who can help me? All I want to do is be able to make online payments. In the past ( For YEARS ) there was never any trouble making online payments. This company has horrible service.

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 2021-06-04
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: Information belongs to someone else

Complaint:
There are two accounts on my credit report that do not belong to me I have tried disputing these with the bureaus and the frnsihers since 2019 and nothing I mean nothing is being done or said!!! I need help please this is identity theft and nobody cares to address it!! 

Account Name : XXXX Account Number : XXXX XXXX {$1200.00} Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX {$310.00}

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 2021-09-15
Company: EQUIFAX, INC.
State: IA
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 have been disputing this debt with the company and the credit reporting agencies. I have sent all the documentation in. I provided everything, instead XXXX has violated my rights numerous of times, in which I the consumer have never gave them any type of consent to furnished my credit report with such information. The information is inaccurate. I provided them with everything but they have stalled to remove the item all while violated 15 US code subsection 1692 ( b ), 15 US code subsection 1692 ( d ) ( 1 ), and others.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: EQUIFAX, INC.
State: TX
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:
I checked my XXXX XXXX credit score and my Equifax is showing 6 hard pulls that I do not recognize.XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX were pulled XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX were pulled XX/XX/XXXX. I alerted Equifax and set a 90 day fraud check on my accounts so hopefully that deters any identity thief from trying to take out any more credit. If I could get assistance in this, it would be great.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-07
Company: BMW Financial Services NA, LLC
State: NY
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 Inquired on XX/XX/2019 add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was locked out of my PayPal account by an ex partner and PayPal knows this as they approved already some dispute claims I filed. But then I filed for another dispute that I noticed and I filed on XX/XX/XXXX and was denied over night by the morning they had reviewed my case, investigated and then proceeded to deny my claim and then close my account. I hardly believe that PayPal thoroughly investigated. In a few hours. I was my money back and a proper investigation. Dispute case : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient is my loan servicer for loans taken out in XX/XX/XXXX-XX/XX/XXXX. They most recently failed to inform me that my loans were being transferred to usa funds. I am currently waiting to start XXXX school in XX/XX/XXXX. Everything was fine and up to date, I had been awarded federal pell grant. And then just a couple weeks ago XX/XX/XXXX to be exact my loans were declared in default. I 'm a single mother who attended a fraudulent for profit art college. I 've just recently filed for borrower defense loan forgiveness. But I 'm aware of the fact that this current administration has n't stood up to their responsibility to help us students that have been defrauded. Dept of education collected millions of dollars from my school for fraud and they are still holding me responsible for the debt. So it 's a win win for them. Ok so I 'm waiting for that to go through. But in the mean time I had my federal funding pulled for XXXX school because Navient was trying to pull the wool over my eyes. I obviously would n't have defaulted knowingly since I have school starting in XX/XX/XXXX. So XX/XX/XXXX default, and Navient reps are saying there is nothing they can do I have to deal only with collections. Collections only wants their money and if I am unable to make outrageously high payments to them before XX/XX/XXXX they will add 25 % of total loan amounts on to existing loans further compounding my problem. They do n't even consider income sensitive payment option. Let me say this again, I 'm a single mother raising XXXX XXXX trying to go to school, fulfill a dream and make our lives better. I work waiting tables but my XXXX program suggests we not work or work very little. So without funding from my pell grant I am finished. I worked for years on prerequisites for XXXX. Never taking out loans or taking federal money. And now navient declared me in default because I was unaware they were transferring loans has sealed my fate. And right before school starts. I do n't know if I even have time to get this worked out. But navient has fraudulent shady practices on top of my for profit college taking advantage of me just adds insult to injury. I 'm at a loss.

Company response to consumer: Closed with explanation