BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-14
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: HI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I was interested in a car so I filled out an online request for more information. I was contacted not too long after and was told to apply for financing online for the vehicle on Saturday the XXXX. They told me they would be closed on Sunday so to call Monday. They ran my credit for a car that was already sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: DISCOVER BANK
State: NY
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:
Discover Bank made a hard inquiry on my credit report in XX/XX/2018 without my consent. I have had no dealing with Discover Bank, nor have I applied for a line of credit. It appears that someone is trying to access my line of credit availability. 

What can I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/18 Sold truck to an individual. Loan was with Bank of America. Called bank paid in full. Payment was held to verify funds. 
XX/XX/18 Informed that account was closed and pain in full. Was told we could hand truck over to new owner. 

Later received title to truck along with documentation stating loan was closed. 

Now bank has reopened account and requesting money.

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 2018-11-13
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX XXXX Charity withdrew money without my permission. TCF Bank has not been able to recover it. I just talked with them. It is an obvious scam sponsored by XXXX XXXX of XXXX XXXX XXXX. He is part of the SCAM!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: AES/PHEAA
State: ID
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:
I have submitted multiple Public Service Loan Forgiveness certification forms over the years, and have received a letter back indicating that my payments were counting toward PSLF eligibility. However, when I finally made it through all 120 payments and should have been eligible for forgiveness, I was told by XXXX that, in fact, my repayment plan does not qualify for PSLF, and that I'll need to select a new repayment plan and start over on those 120 payments. This is shocking and devastating news, and I feel like I was misled here tremendously. I feel like I'm being denied loan forgiveness based on a technicality that I wasn't even made aware of. I've stayed in public service all these years, accepting lesser pay, believing that at least I'd get a break on my student loans. I feel betrayed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-01
Company: Experian Information Solutions Inc.
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:
XXXX XXXX XXXX XXXX claims I owe them {$1100.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX. I have no idea who these people are and have never received a bill. They dont have have my signature. Yet Experian wont remove it. XXXX removed it months ago.

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 2018-02-22
Company: WELLS FARGO & COMPANY
State: CA
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 was told that a soft pull on my credit would be done and not a hard inquiry. I just noticed that it's still on my report and I'd like to remove 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 2018-11-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I need your help please!! I continue to receive harassing calls from a company called XXXX XXXX XXXX XXXX. They claim to be representing HSBC Credit Card Services and stated that they were hired to collect on a debt in the amount of {$2200.00}. They have called my family several times regarding this matter. They could not give me the account number or the date the account was opened. I called XXXX XXXX and spoke with a young lady named XXXX who informed me that they did not hire XXXX XXXX XXXX  or any company to represent them. In fact, they stated that my account was closed when they sold my account to XXXX XXXX XXXX. On XX/XX/XXXX I then contacted XXXX XXXX XXXX XXXX ( XXXX XXXX ) and she told me that my account was closed in XX/XX/XXXX when I filed bankruptcy. My bankruptcy was discharged by the state of Texas. XXXX XXXX XXXX advised me to file a police report due to the constant harassment and what they believe is fraud. I called XXXX XXXX XXXX again to let the rep XXXX XXXX know that neither XXXX or XXXX XXXX XXXX claims to have hired them. Well, XXXX proceeded to transfer me to her supervisor who started yelling at me saying " you owe this debt '' and became belligerent to the point where I had to hang up on him and block the number. These people have all of my personal information and continue to harass me daily. They call from different numbers and although I have blocked several of them ... they continue to call. I tried to reason with these people but they're not listening and will not stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: Experian Information Solutions Inc.
State: TX
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 sent these credit agencies paperwork several times proving that I am making timely payments with my account, a credit card, with XXXX XXXX XXXX XXXX. I have sent them a signed notice from there own lawyer, stating that I am making timely payments, in the amount of $ 325 month, and the balance is now only {$18000.00}. However, after several times challenging this continues to report inaccurate information. They continue to report this as a " charge off '' which is hurting my credit report and has caused me to not be able to qualify for a mortgage. 

****In addition, each time I dispute this account, they practice the illegal practice of " re-aging '' the account ''. In effect, my clock for the XXXX years starts over, and I get a email or alert with a negative mark and it states I have a charge off, that hurts my credit. For instance, this fresh charge off is now updated as of todays date, the most recent dispute closure. 

*****Please stop these illegal practices and delete this XXXX XXXX XXXX XXXX entry from my credit report all together since you are reporting incorrect 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 2018-11-13
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I SPOKE TO A REPRESNATIVE NAMES ONLY XXXX AND TOLD HIM I HAD A SIGNIFICANT CHANGE IN CIRCUMSTANCE AND WANTED TO RETAIN MY HOME NOTHING ELSE, HE STATED HE WOULD KEEP IN CLOSE CONTACT WHICH HE NEVER DID AND REQUESTED NO UPDARTED FINANCILAS WHICH I THOUGHT PECULIAR BECAUSE WHAT HE MAY BE WORKING OFF OF WAS OUTDATED AND DID NOT PORTRAY THE ACCURATE PLETHURA.I RECEIVED A LETTER RECENTLY THAT REALLY GAVE NO TIME TO RESPOND BUT I HAD TO MAKE THE TIME.IT IS REALLY A FLAW TO NOT PROVIDE ADEQUATE TIME TO RESPOND, I AM A STATE WORKER RECENTLY RETIRED AND GOING THROUGH A DIVORCE, THER EIS NO OTHER PLACE TO GO, WORKING OVER 30 YEARS TOI BECOME HOMELESS.O WANT TO REMAIN IN MY HOME AND HAVE GARAUNEED INCOME.PEOPLE HAVE BEEN MODIFIED FOR LESS OF A HARDSHIP FROM WHAT I READ AND SEEMTHE LETTER FROM SLA WASNOT EVEN WHAT WE SPOKE ABOUT, I FEEL DUE DILIGENCE WAS NOT DONE ON MY CASE.HELP!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 reviewed my credit reports and notice that after thorough investigation, XXXX  removed the negative item that XXXX XXXX reported but Trans Union and XXXX  report negative items for accounts I am strongly disputing. I noticed one credit report states charged off closed and the other says charged off open. This " Account '' can not be opened and closed at the same time so there is a distinct error right there. There is no substantial proof that this debt is owed to the company and under the FCDPA, I am entitled to the validation of this alleged debt which I have not received. By law, If the required information is not forthcoming, all attempts at collection must immediately cease and correct information must be reported to all 3 Credit Bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: Navient Solutions, LLC.
State: NC
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:
Navient 's retaliatory actions in response to complaint number : XXXX will cause my wife and I unnecessary financial hardship and stress beginning XX/XX/XXXX. In the complaint, I alluded to what I felt was unethical practices with regards to how Navient was managing my student loans and stated their practices were consistent with the law suit filed against them on the behalf of CFPB in XXXX. It appeared there was little consistency in how the monthly payment monies were distributed between interest and principle. 

I called them on XX/XX/XXXX after getting their response via the CFPB website and asked for further explanation because I needed more clarification than what was explained in their response. They immediately went from explanation of my student loans distribution to pressuring me into a {$1300.00} monthly payment revision I couldn't afford. I declined and stated I could not afford a revision at this time. They continued to persist in me agreeing to 1 of 3 plans with {$1300.00} being the cheapest of the options. I requested they leave the {$450.00} monthly payments in place -- however unfavorable the current payment plan was until I start drawing my Social Security monies next year and at which time I would be better prepared financially the handle a bigger repayment. 

I was told they couldn't " change it back '' to the current payment agreement of {$450.00}, but I never changed the current agreement to begin with! I was merely asking for explanation of payment distribution. After arguing with them for 10 minutes and again explaining to them these were the same type of unethical practices the government sued them for, they terminated the phone call and sent me a new payment plan on XX/XX/XXXX totaling XXXX. 

The {$450.00} monthly payment constituting 1/6th of my monthly net income fit well within my budget. A {$940.00} increase results in a monthly payment of {$1300.00}, this is 1/3rd of my monthly income and will undoubtedly cause financial hardships. At XXXX years of age and facing employment uncertainties, I can ill afford to have this stress affecting my life. Where was the offer for an income-driven repayment plan, why wasn't there a mutually-agreed upon and documented repayment plan? Why not just leave everything in it's current state until I can make better accommodations next year? 

It should be noted that I never sought to revise the payment plan at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/19, I chatted with a Capital One agent about a special promotion theyre running for existing Money Market Account holder. The promotion was to get a {$450.00} bonus when you deposit {$50000.00} or more into your 360 Money Market account from another bank by XX/XX/19. The requirement was to keep that amount until XX/XX/19 and the bonus will be paid out XX/XX/19. The agent assured me that I was eligible for the bonus as long as I met the funding requirement and kept the balance. 

On XX/XX/19, I deposited {$50000.00} to the account and maintained the balance ( to present ). 

On XX/XX/19, I chatted with another agent to ask about the bonus and the agent assured me that the bonus will be paid out the following Monday, XX/XX/19. 

On XX/XX/19, I chatted with a different agent since the bonus did not appear in my account. The agent said I wasn't eligible and denied the bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-13
Company: Data and Contact Management Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a letter from a collection agency from XXXX XXXX about collecting a debt from XXXX XXXX. The company wants to collect XXXX dollars from my ex-husband who died in XX/XX/2018. My daughter previously contacted XXXX XXXX and told them that my ex-wife husband is deceased. He did not leave a will not anyone is responsible for his estate. He did not have a power of attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This was a medical bill from XX/XX/2015 from XXXX XXXX. I contacted them to find out what the debt was and they verified it was my debt. They refered me to the collection agency RMCB XXXX which just in the last week hit my XXXX and XXXX   credit reports as collection. 
I contacted RMCB the bill was {$290.00} and I made a discounted agreement of {$170.00} and paid the bill which shows settled in full with a Current Balance : {$0.00} The problem is they will not post this collection result with the credit agencies for 45 days. 
I am requesting a more timely response from them to the Credit Agencies. 
Can you please help me with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Fairway Independent Mortgage Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Closing on a home, XX/XX/2019 however, on XX/XX/2019 I had to resign from my position. I will no longer be employed and the home purchase was to be financed under just my name. Without future income I canceled the purchase contract but the finance company is not willing to give a decline letter. The loan has been approved but it is contingent on employment that will end in two weeks. I have not secured a new position at this time and it appears from voicemail and email that the finance company would like to continue the process of the home purchase regardless of my employment status.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: HANCOCK WHITNEY BANK
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX XXXX keeps calling non stop I have ask them to please stop as I have just XXXX my sister and my husband had to take a pay cut of XXXX weekly ask to please stop and I would pay I am having XXXX XXXX now and I am under XXXX XXXX I need just a bit of time XXXX XXXX till I turn my phone off at night on average daily I get 15to30 calls from them back to back. I do n't know what to do.i have had as many as 72 calls a day from this place

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Flagstar Bank purchased my mortgage from my previous company. I did not ask them to purchase it - they purchased it without my knowledge. On XX/XX/2018, I received a letter from Flagstar Bank stating that property in the Special Flood Hazard Area ( SFHA ) as shown on maps published by the Federal Emergency Management Agency ( FEMA ) are required to have flood insurance. They then claimed that my property was in that category. They are incorrect because FEMA has issued a Letter of Map Amendment ( LOMA ) that can be found online, that specifically excludes my property from the SFHA. If Flagstar bank had typed my address into the FEMA database and read the LOMAs issued for our area they could have figured it out themselves. More importantly, the mortgage company that previously owned my loan did not require it because it isn't required. Flagstar should have asked that previous mortgage company. It isn't my job to educate them. After I received that XX/XX/XXXX letter, I called the number listed in XXXX and sent the insurance department the LOMA. Flagstar sent a 2nd letter on XX/XX/XXXX. I called their insurance department again in XXXX and resent the documents. Flagstar sent a 3rd letter dated XX/XX/XXXX and now say I have to pay {$2300.00} for flood insurance that I DON'T NEED and ISN'T REQUIRED. I have uploaded all the documents to them as requested today XX/XX/XXXX. Please help!

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 2018-11-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XX/XX/2018, I applied for the XXXX XXXX Credit Card through Chase Bank. I receive emailed daily offering miles as a perk. You receive instant credit and then you can book your travel immediately to start spending the minimum {$2000.00} to receive the bonus miles. 

I called the Customer Service number to make sure I was doing it correctly. I applied and was approved for a XXXX limit immediately. 

I was then instructed to click the link that goes directly to the XXXX website to book my travel. 

Once I clicked the link, my account profile looked different ( good sign ) and it also gave me the option to use membership miles ( never seen that before ) so I assumed something obviously took. 

After I selected the tickets, I was unable to pay with the new card ( so I can get all the bonus miles ) I called back and was told that the site must have " disconnected '' and they do not have access to my new card number and I will have to wait 7-10 business days. 

This does me no good as I will lose the bonus miles, and most likely lose the tickets I want. And if they are available, they will so much more as the tickets are for christmas travel. 
I called Chase, they said " we are the bank, they are a 3rd party, you should just cancel the card. '' I called XXXX and they said " we can not help you and we can not hold the reservation or allow you to change payment. '' So I ran my credit for nothing. I wasted 3 hours of my time on the phone. 
Neither company gave their Customer Service the tools to fix the issue as it is clear there is no intention of doing so.

This is bait and switch.

Moreover, I have activity logs that show no disruption in internet service. I run a global marketing company and my internet is my livelihood. Best believe I know when there is a disruption in service.

I filed a complaint. The representative from Chase made no effort to speak with me at normal hours. When I attempted to return her call, I was always sent direct to voicemail. I left over a dozen voicemails asking when I could call HER as I wanted to be sure to make contact. No response was given. 

I have not been given baggage fee credits or priority boarding. I purchased XXXX in tickets in one day that I planned to put on my XXXX Card. 
Every call to customer service to Chase or XXXX is met with either confusion or refusal to rectify anything.

Company response to consumer: Closed with explanation