BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-26
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I leased a XXXX XXXX XXXX XXXX. At the end of the lease I decided to purchase the vehicle. I called Chrysler Capitol to find out how they wanted it handled. I was instructed to send a check. I asked if they needed a cashiers check, and was told no that was not necessary. They sent me a letter with the same instructions. 

I mailed a check ( thru UPS ) that was accepted XX/XX/XXXX at XXXX XXXX. 
My check was cashed on the same day XX/XX/XXXX. 

Chrysler Capitol is now telling me that they take 21 days to process. Then they mail it back. I asked if I could get it any faster, they said if I had a XXXX account number they could use that and it wood speed things up. I said I had a XXXX number, to which they replied they only use XXXX. Even if I had a number, it would still take 21 days before they could send it. 

I was also told that it took that long to get Chrysler Capitol off of the title. I did let them know that I live in California, and it is all electronic now. Chrysler Credit was aware of that, however they seem to have needed some kind of paper trail. 
So as of now, I sent a check for {$27000.00}, and they keep my money for a month before I can legally get my title. I have read my lease agreement, and all of the correspondence with Chrysler Capitol and this is stated nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: AMERICAN EXPRESS COMPANY
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
On XXXX at XXXX. I recieved a notice from American Express Bluebird prepaid card that I had received my direct deposit from my unemployment benefits. At XXXX XXXX I tried to check my balance on the app and recieved a message saying for security reasons my account had been locked please call the number. When I called the number it gave me an automated message saying my account has been permanently suspended and have been sent an email and then hung up on without any option to speak to a human. In the email it states my account was permanently suspended due to actions that violate the terms of agreement. All of my household funds are on this card and it is devastating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
After reviewing my annual credit report I noticed a hard inquire that I never approved from Bank of America on XX/XX/2016. I attempted to reach creditor and was unable to.

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 2021-07-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have had trouble getting in touch with Experian to get a copy of my credit report. I have tried on line ; their website times out after I give them my info. On the phone I have not been able to speak with a human being, only a robot with no access available to a agent.

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 2020-12-16
Company: CITIBANK, N.A.
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Opened a new Citi bank checking account. Everything seemed to be ok. Received a welcome letter and got online access. 
Transferred funds from another US located credit union. 
Two days after opening an account, it got locked by the fraud department. 
The bank refuses to resolve over the phone. Citi bank sends a paper mail asking for some information, not telling what is in the letter. 
It is a holiday season, and I am out of town. As the result I am locked out of my funds for the next two weeks of the holiday season. 

Nothing was done on my side to trigger the lock. 

Citi bank refuses to provide any compensation for such inconvenience.

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 2018-06-12
Company: ORG GC GP Buyer, 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:
Hello, I have sent GC services and the department of education my loan discharge application for school closure. I attended XXXX college in XX/XX/XXXX as well asXX/XX/XXXX. I left on XXXX XXXX  and when I tried to go back to school the school was closed. I mailed a letter to my servicer because they garnished myXX/XX/XXXX tax return. I was told by my servicer that I did not have to pay my loan if I was in the process of loan discharge. Every time I call to try to get help they tell me theres nothing I can do? Now that I seeked legal advice a lawyer advised me to still make payments until I received a response. I was misinformed by GC services as well as XXXX College and now can not go back on my default. I recently received a denial letter for the student discharge application. I now have requested all transcripts and financial paperwork and in the process of hiring an attorney. I should not have to pay for these loans if I was never able to finish my education nor continue my education with any other school near me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2019 wanted to get information regarding disputes and was not getting any information I asked for was told was going to file complaint was told to do so. submitted several time to have disputes nothing has changed.

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 2019-09-14
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2019 wanted to get information regarding disputes and was not getting any information I asked for was told was going to file complaint was told to do so. submitted several time to have disputes nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I lost my wallet and Citicard mastercard while out. I later learned that repeated fraudulent charges for an identical amount of around 200.00 were made on that card. I was not notified by Citi about the charges or the nature of the charges which should have been a red flag despite being enrolled in their protection program. I learned of the charges when requesting a new card. I disputed the charges at the same time. They were refunded to my account. 

Subsequently I have received repeated inquires from Citi regarding this dispute. In XX/XX/XXXX I  contacted the company and answered intrusive questions regarding the loss of my card and this inquiry. This is well after the 30 days that Citi has to close this matter out. 

Today, XX/XX/XXXX I received another inquiry for more personal identifying information which I will not be providing to Citi. They are well past the deadline for resolution and have crossed over into privacy based violations. I would like assistance in compelling them to close this matter out.

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 2019-09-14
Company: EQUIFAX, INC.
State: NV
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's lot of inquiry that I have no idea what happened, but there's also address I don't recognize and a social security number also I'm trying to fix my credit reports please I'm reporting it as fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: EQUIFAX, INC.
State: MO
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 following accounts should not be reporting on my credit file, at this point these accounts are fraudulent and therefore I'm demanding that they be removed. 

1. Acct XXXX XXXX {$110.00} 2. Acct XXXX XXXX {$70.00} 3. XXXX XXXX  Account 4. XXXX XXXXr Account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: Medical-Commercial Audit Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
MCA Management Company out of Missouri placed a collections on my credit report for {$1500.00} back in XX/XX/XXXX. I don't recognize this account and will need verification of this account and what the {$1500.00} is for. There wasn't any mail in regards to what the collections is for. 

As highlighted in the FCRA Reporting Act, please provide verification of this collection. Also, please cease any collection calls immediately if there are any in the near future.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12
Company: Consolidated Information Services Solutions, LLC
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:
After reviewing my annual credit report I noticed a hard inquire that I never approved from CIS Information Serv on XX/XX/2017. I attempted to reach creditor and was unable to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
I have a Bank of America Credit Card that I have had over 20 years without making late payments. The credit line was {$25000.00}. On XX/XX/XXXX I made a XXXX payment to my card. I was planning on using the card to make some payments and other purchases. I called Bank of America on XX/XX/XXXX to conduct a balance transfer. After speaking to several people they lowered by credit limit from XXXX to XXXX. They said this was based on new information obtain. I did not authorize a new credit request. I believe I have been a victim Fair Lending violation, Unfair and Deceptive Acts and Practices violations, ECOA violation, and FCRA violation. When they transferred me to the Balance transfer department no disclosure were given to me to state credit was being used or new credit decision was being made. I did not authorize Bank of America to pull my credit again. I believe this is an Unfair, Deceptive and Abusive act that was targeted at a minority. They ask if I was employed and current income. I told the customer service person I did not want to initiate a new credit request. I only access the credit limit that was established. Bank if America has created an extreme hardship and will cause not to meet some obligations. I called several time and no one was willing to assist me. This is negatively impacting me personally, professionally and my business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Experian Information Solutions Inc.
State: MO
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 following accounts should not be reporting on my credit file, at this point these accounts are fraudulent and therefore I'm demanding that they be removed. 

1. Acct XXXX XXXX {$110.00} 2. Acct XXXX XXXX  {$70.00} 3. XXXX XXXX  Account 4. XXXX XXXX Account

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 2019-03-26
Company: LEXISNEXIS
State: OH
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 requested they remove a bankruptcy if they can't verify. I have sent many letter requesting validation of this item. XX/XX/XXXX next XX/XX/XXXX again XX/XX/XXXX. There was also some letters sent XXXX also. Everytime they never send me info requested for validation, ALSO i have asked experian to remove this item if not verify. I know that experian has to verify with the original furnisher of the document. They are not allow to verify with a third party. This is stated in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Experian Information Solutions Inc.
State: MO
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:
Upon checking my credit report I noticed a few things that should not be on my report. More specifically an XXXX XXXX XXXX XXXX account, in which I was notified by the company itself that they would remove it due to the fact that someone put me on as an authorized user inwhich I was totally unaware of. And according to the FCRA rule of law, this account should be removed.

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 2019-09-14
Company: Lending Club Corp
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Lending club stated I received funds into my bank account on XX/XX/2018. My account was put on hold due to identity fraud and hacked on XX/XX/2018 as the bank Say I would have not been able to receive any deposits or withdraw any. I sent the bank statements to lending club fraud department and the bank manager also stated she left 6 voicemails within two days and never received a call back. I ask lending club to remove the account after doing more investigations. The lending club is forcing me to pay for a XXXX XXXX loam I never received in the amount of {$7100.00}. They sold the debt to XXXX XXXX investigator as {$8100.00}. I sent the same paperwork to XXXX XXXX  email and didnt get any responses. I even tried negotiating the XXXX I had in my savings to get the account negotiated and written off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I purchased a car through Capital One auto loan financing and when I was done paying for the loan they sent a letter to the three credit bureaus that the loan was charged off it was not so I wrote them a letter on XX/XX/2019 and they told me that it was a charge off. So I got XXXX XXXX  to help me get it off my credit and they could not get it off my credit so I come to the XXXX for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/20 BEFORE XXXX XXXX American Express called my job about a debt. The economy is fragile and here they are calling people jobs about a debt which is indeed illegal and inappropriate. The lady explained that i am to give her a call back and left great detail with my boss. 

XXXX IS THE PERSON NAME CALLING AND LEFT A CALL BACK NUMBER OF XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12
Company: FULTON FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
A BANK EMPLOYEE PULLED HARD REPORT FOR SOME PERSONAL REASON ONLY WITHOUT PERMISION AND THE BANK IS TRYING TO PROTECT THE EMPLOYEE BY DECLINING AND HAVING REMOVED IN CREDIT 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 explanation
Consumer complaint received 2018-06-12
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: Public record information inaccurate

Complaint:
Inaccurate bankruptcy information is reporting on my credit file. Please see the attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: CITIBANK, N.A.
State: VA
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 have reached out to CitiBank on numerous occasions to include XX/XX/XXXX and XX/XX/2019 and one previous time earlier this year. I have paid the company early every billing period, however, they continue to charge a late fee stating that I paid late due to them constantly changing when I can pay the bill. The late fee then increased from {$28.00} to {$36.00}. They told me the reason I was charged the fee was due to me paying twice in the same billing cycle, even though they can see that the payment was made for the bill for the next month. They constantly change the billing cycle end date therefore making me late even when I am paying in advance.

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 2019-09-14
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off my mortgage on XX/XX/2019. 
The company said they will not return my escrow money to me for 30 to 60 days. This amount of time is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: EQUIFAX, INC.
State: MS
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 and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX - partial account numbers : XXXX ; XXXX and XXXX. ( Please see page 5 of the attached credit report. ) These accounts reflect a {$0.00} balance and {$0.00} past due. 

Equifax and XXXX are reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account number XXXX ( Please see page 10 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. 

Equifax and XXXX  are reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account number XXXX. ( Please see page 16 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. 

It is impossible to be late on accounts that have a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-12
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I went to use my credit card for gas, it was declined so I tried another card, it was also declined. I go to use another card, same thing. My dog was in the hospital & I went to pick her up, my other card was declined. I went home & checked all my accounts, all were closed with no warning. I have 11 accounts with Synchrony Bank & all were paid on time, never late & had very high limits. I was not even close to the limit on any of the cards. This has ruined my credit and left me in despair. I have been with this company for many years. I have contacted this company several times & nobody will give me an answer as to why they have ruined my credit or closed all my accounts. The company keeps saying they have mailed letters as to why, they have not.

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