BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Billing dispute for services

Complaint:
inaccurate information on credit report, 15 usc 1681, removed all accounts without authorization and want all account back reading paid as agreed never late. A so called creditors on the accounts are really debt collectors under 15 usc 1692a6, and the consumers extend credit via their social security number that has an open ended credit plan under 15 usc 1637. All applications for credit ar consumer credit contracts under 16 CFR 433.2 and are taken or received as payment for services goods or leases. By the credit reporting agency not having a contract with a consumer to unauthorized uses of credit card to debt collectors without consent and providing information that a consumer is a debtor when the banks and companies are liable as trustees to a cestui que vie trust consumer credit transaction after receiving consumer credit contracts and using the credit card social security card without receiving benefit after the use of the card which is a violation of 12 cfr 1002 and the ceo and agents are criminally liable by knowing this t=from lawsuits lost and still have not corrected all consumer credit reports to have the consumer reflected as the original creditors under 15 usc 1692cc2 . this is a bad faith action by the credit reporting agency and i am owed XXXX  dollars for every account removed fraudulently without my consent, by the defamation of character by showing paid off accounts and verifications by automated service to computer generate responses without looking into issues of false information under 18 usc 1001.

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 2017-11-21
Company: Cornerstone Home Lending Inc.
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried calling/website/email. They said on the website that someone will call me back in 24 hours that was starting in XX/XX/XXXX. They call you answer the phone it disconnects. You call another number that they leave when you call back and you are put on hold. One time I watched 3 1 hours tv shows no one ever answered. All they do on the website is tell you someone will contact you in 24 hours. One time they told me since I was not a hurricane victim I would have to wait. I NEVER could afford this loan but they told me I could and since it was my first time I believed them. They will not help me in anyway. I want out of this home. I do have it listed just at the price I owe but no luck, they won't tell me if I can have a certain amount of time to sell it or anything. Also when I called the lending office of where I closed at they told me that since it already funded they were no longer going to help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
I am writing today in hopes to obtain your help. Currently I am working on reviewing my credit, paying down my balances, and working on getting better credit worthiness. You play an important role in this process. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 and 60 days late to the credit bureaus ( XXXX, XXXX and XXXX  ) between XX/XX/XXXX and XX/XX/XXXX and I am writing to get this remark retracted. I had believe I had made all my payments on time, the only I could think of, is that my statement didn't get to me in time.

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 2021-09-15
Company: Telsa Motors 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:
Leased XXXX XXXX XXXX in XXXX via Tesla Finance LLC. Before the end of the lease, decided to purchase the car and reached out to Tesla ( XX/XX/XXXX ) for final purchase price of {$63000.00} ( Exhibit A in attachment ) On XX/XX/XXXX, wired funds of {$63000.00} to Tesla. Payment recorded against my account. On XX/XX/XXXX, Tesla auto-charged my bank account for the amount of {$1300.00} for the XXXX lease payment even though I paid off the car. Tesla confirmed that I would receive a refund when they sent me the Title to the car. ( See Exhibit B ) Received the Title to the car and a copy of the Bill of Sale on XX/XX/XXXX. Per Tesla, the buyout amount was miscalculated and I overpaid them by {$980.00}. ( See Exhibit B & C ) I have had corresponded with Tesla Finance multiple times since XX/XX/XXXX regarding the buyout of the lease and when I should expect to receive my refund of {$2300.00}. Each Tesla representative promises to fix it but as of XX/XX/XXXX, it has not been resolved. ( See Exh D for 4 pages of email correspondence ). I am now seeking CFPB 's assistance in this matter. I have attached copies of the documents referenced in my email. 

XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have found ourselves in a unfair mortgage that adds interest on the back of the loan. We owe more than the property is worth. We have recently been sent a city assessment that is XXXX less than the loan. We went to our local BOA loan officer and told him we wanted to refinance the loan with the current worth of the property. He said we needed to contact the bureau and contact the Attorney General 's office in order to refinance. We are asking for a loan modification with this property. We have paid Bank of America for 10 years and we owe more now than when we started further more the market has reset the worth of the property with a THREE year assessment that is XXXX LESS than our loan. We need immediate action on this loan. We have been excellent payers and have NOT been late on our payments but when this adjustable loan resets with current figures we will NOT be able to make the payments. Bank of America has made us go this route instead of helping us rest the loan to the real value of the property!

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 2018-12-17
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX cc account ending XXXX showing on cr i never opened they wont take off been over 60 days since i notified them of this fraud account that i never opened

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 2021-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
During the evening of XX/XX/2021 I phoned Capital One about a problem I was having with interest being charged after my card was paid off and brought up to date. I got no resolution with the initial representative I spoke with so I asked to have the matter escalated. A supervisor took the call and several times interrupted me while I was trying to explain something to him. Not only did he interrupt me he continued to talk right over me. He then told me that I was interrupting him. Angry with his intolerance, I told him to go and XXXX XXXX himself. He terminated the call with me when I told him that I stood by what I said. This person was both rude and inconsiderate. If this employee were mine, I would terminate his employment. 

A couple of days later I received a letter ( attached ) from Capital One ( Capital One Case # : XXXX ). I'm not going to repeat what is in the letter. I think it speaks for itself. The letter Capital One wrote is provocative, threatening, demeaning, and intimidating. Capital One threatens to terminate their business with me not only on the account I was calling about ( ending in XXXX but all of my accounts. I feel threatened by this letter and I am furious to say the least. 

Suffice it to say that my interest overpayment was not refunded. 

At this juncture I am not certain that I want to continue my banking relationship with a bank that treats its customers in the way Capital One sees fit to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Privacy issues

Complaint:
Bank of America sent me a letter stating that if I do not provide my occupation and source of income they are going to close my account. My understanding is that that information is voluntary and not mandatory. I spoke to a B of A rep who told me my account would in fact be closed if I did not comply and I have the letter to back that up. I pay my bills on time and only owe a small amount of money at the time. Is this true?

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 2018-12-17
Company: Experian Information Solutions Inc.
State: TX
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: Billing dispute for services

Complaint:
I called in a week or two ago and cancelled a membership with Experian. They accepted the cancellation but have continue to bill me since.

I have called the Consumer Dept and get a call center I can't understand. I have called two corporate numbers but they either put me on hold and never answer or they send me back to the same consumer number.

Experian makes it extremely easy to sign up and XXXX to cancel.

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 2019-05-03
Company: SYNCHRONY FINANCIAL
State: CA
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:
The paypal company gave me a credit card ... .late in 2018 ... ... ... ... I purchased some items. 1 item for {$300.00} ; 2 items for approx. {$500.00} each The charge payment and interest accumulating is for {$300.00}. I bought an item for {$300.00} and within a few days. I put the {$300.00} back into the account as a credit to keep my promise that I would pay the {$300.00} back in one lump sum before any due date.. 

I keep getting letters in the future about this {$300.00} payment and extra interest I owed, Unbeknownst to me I did as I thought in compliance with paypay. There was no prompt to ask if I wanted the {$300.00} to apply to this one purchase or anything leading on their online payment window to that effect. 

Paypal is lying misleading the public and it is a scam to get every penny out of person that they can. 

Common sense. How come I just didn't do the minimum monthly? How come I didn't pay e.g {$250.00}? Paypal know whats going on and they trying to get fraudulent money out of me with illegal interest. ... ... ....

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 2021-04-23
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mortgage company is Amerihome. On XX/XX/2021 a refund from escrow overage was issued in the amount of {$1500.00}. I have not received it. I have called many times to Amerihome about this with most unhelpful agents. 
2 weeks after it was issued I contacted them to say I have not received it. Was only told a " work order '' would be issued to research and stop the 1st check and send another one. I was also told that work order would be completed on XX/XX/XXXX. 
TodaXX/XX/2021 I called to get an update on the status and what a new check number would be and when it was sent. The CS rep said she would make a work order to research this issue and it would take another 7-10 business days. I explained this was already done and I would need to see a resolution and information on a new check issued. That was met with total resistance. 
They can not tell me the status of the original check # XXXX if it has been stopped which the work order was supposed to have done or so I have been led to believe, has it been cashed has it even been mailed? 
They have provided nothing but terrible non helpful customer service in helping resolve this. I am wanting my refund. It is a lot of money to this retired person. I have also started a search with the usps but to date they have not found anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: LoanCare, LLC
State: CO
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:
We set up a payment plan, signed XXXX/XXXX/XXXX, with XXXX, and every month we paid on time. This was due to financial hardship. The agreement was to skip XXXX XXXX 's payment, pay our regular payment of {$2100.00} in XXXX, then were to pay {$3000.00} for XXXX, XXXX, and XXXX. This came with the guarantee from the company that it would not effect our credit. We had paid late fees within this payment plan. We have the payment plan agreement and the bank statements to match. Every month paid on the payment plan, the company reported us as " 30 days late ''. Their statements did not match this. The company refuses to see a problem or admit any fault. Help please! 

A side note, when I called to make our first regular payment in XXXX, when the payment plan was supposed to be done, the man on the phone said we would not be current on our account unless I paid much more than our original payment. Though this did not make sense, I paid it, to ensure my credit would not be ruined by this. They are now holding that extra money. It has not been put towards any part of our mortgage. Around {$800.00} is just sitting there, like we never paid it. We again, have called over and over, with no one who can explain, or help us with this.

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 2019-05-06
Company: AMCOL Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I never knew that I owed anyone money, this just appeared on my credit report. I've called multiple times since & asked for information- they can't tell me anything about it, just that I owe money. I have no idea what it's for! Every time I've called they've been rude and can't understand why I won't just pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: EQUIFAX, INC.
State: NJ
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:
I have been trying to unfreeze my account with Equifax since mid XX/XX/XXXX. It is now XX/XX/XXXX and after 10 phones calls my account is still frozen. I called today and was redirected to call 6 different phone numbers to cancel my account. After 4 hours of calls and waiting to speak to a representative they have told me my account is closed. I have my doubts since for a month they told me my freeze had been lifted. Most frustrating and unorganized company I have ever had to deal with. They have had my finances frozen for over a month and this has been an extreme hardship. They are uncooperative and continue to give the runaround. They do not resolve any issues and give different excuses as to why things were n't completed with each call. Hate them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2019-05-03
Company: Navient Solutions, LLC.
State: WA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a private student loan through Navient originally Sally Mae for XXXX dollars for school. I have paid over XXXX dollars in the last nine years. some how the loan itself is still only down to XXXX dollars. They continue to raise the interest rate which raises my monthly payment but as you continue to pay the interest is suppose to eventually go down. I will add every single transaction in the following pages as well from the time they gave me the money to the time I started paying off the loan. Either case, its been years and because of this I am still broke every month with a child and wife. I normally wouldn't care as long as my amount owed goes down but I don't understand how XXXX dollars later I have barely made a dent into what I owe. At this rate I will never be done and have paid them over XXXX dollars. When I contacted them they had no explanation or reason why except that its a variable rate which means the rate went up and they are able to pull all interest before the principle balance. Its a vicious loop I am stuck in. I also have a federal loan too but that is going down without any repercussions as a borrower, I am happy to continue to pay. Its just this one in particular I am upset and baffled by. XXXX dollar plus and nothing has changed in nine years. If you could please look to see if it is legal and help in any way possible that would be great because my monthly finances are a great stress in my life. I work hard and continue to pay my bills with nothing to show or prove for it with a child. 

P.S. 
I did graduate but did not go into my field. This entire nine years I have paid has been out of my bank account. Yet to get my mother off the original co-signer contract I need proof of graduation. If I am the one paying then why do they need proof of graduation. It took weeks to find! seems obsolete to require proof of graduation when I have individually been the one paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: Credential Acceptance Corporation
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
The Car got repossessed after payment was made and also the Finance company it 's adding all kinds of fees and stalling the car from release after all fees were paid, also she does not want to provide a break down of charges, and did not want to take any other form of payments except cash, car still at the storage after 15 days and they are charging {$50.00} per each additional day, the rep at the storage garage said she still has not receive any release order from finance company yet, also the person at the finance company is not letting us talk to a supervisor, she is also very rude her name is XXXX, the personal from the storage place even called her to ask about the release form and she still did not get it done

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: ALLY FINANCIAL INC.
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: Didn't receive services that were advertised

Complaint:
in XXXX 2015 after my GREAT Hubby 's XXXX, I inquired of a used van @ XXXX XXXX in XXXX XXXX, XXXX, sales person wrote it up. finding the fee, I called my son who was to purchase it said he could not do so. No transaction followed.XXXX has 'dropped their inquiry per my request THIS YR. Somehow XXXX XXXX they work with, I contacted TWICE say they have NO RECORD OF SUCH TRANSACTION, STILL THEY ARE NEGITIVE ON MY SCORE. 
PLEASE HELP WITH CORRECTING SAME. SINCERELY 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 2019-05-03
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The Winn Law Firm sued me in which they told the judge that I was served. I never received the court papers I have no idea who they gave the papers to. I missed the court date.They won by default judgement. The complaint was supposed to have been mailed to me also, but who reads mail in which they have no knowledge of. My accounts was frozen, my only means of support for my son and myself. I was not on the look out for this company or the lawyers representing them because the debt was not my own. I myself and my son went without food and basic needs because of the frozen account. I had to file a response to have my accounts unfrozen. I explained my situation to the courts, because this debt had been so long ago I wasn't sure if it was mine. The debt was from 2001, so I filed an exemption but after careful research I found no record of myself applying for a XXXX Platnum Select credit card. I filed a motion to set aside due to fraud, the law firm denied my claims. I then was told by the lawyer to file a identity theft claim. I did this and they denied my claims.

Company response to consumer: Closed with explanation