BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-06
Company: Bridgecrest Acceptance Corporation
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I was not notified of my right to rescission as required by law under 15usc1635. I would like to rescind this transaction, retain possession of the property, and receive compensation for payments/ down payment sent to this company. in accordance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: SLM CORPORATION
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I recently contacted Sallie Mae and I was told my account is up to date, I do admit to being late because Sallie Mae will not work with me and has made me choose between medication and doctor 's appointments over their payments and has refused to work with me on trying to lower the payment. Well my account is still showing a past due amount on my credit report so I asked XXXX to request updated information from Sallie Mae and Sallie Mae told XXXX that my account still has a past due balance instead of showing that the account was paid up to date last month. Is this not illegal and considered libel if last month, the reported information should show the past due amount was paid yet purposefully refused to fix this when requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-26
Company: BANK OF THE WEST
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX in collusion with Bank of the West XXXX XXXX is reporting a debt on my credit report that is not owed. I do not have and never had an account with these 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 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have sent 4 separate batch of disputes to the bureaus and have received no answers regarding the disputes I submitted. Between each batch, I waited over 45 days to allow them to research my concerns. To my knowledge the law has not changed. I am allowed to question errors on my credit report. They must reply back to me within 30 days after they receive. I've checked with my local post office and they are unaware of any problems with the local mail delivery.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: Alliance One, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Alliance One sent a communication ( 15 USC 1692 a 2 ) to this consumer, XXXX XXXX XXXX, dated XXXX XXXX 2017. The communication clearly reads that this is from a debt collector ( 15 USC 1692a 6 ). XXXX XXXX is a consumer as defined in 15 USC 1692a 3. The communication indicates an account below the consumer 's name. Within consumer law an account, as defined in 15 USC 1693a 2, is an asset account involving personal, family, and household ( which means consumer account ). A financial institution is defined in 15 USC 1693a 9 as any person that directly or indirectly holds an account belonging to a consumer. Several violations have occurred as described in the FDCPA : 15 USC 1692 b 2 - shall not state such consumer owe 's a debt ; 15 USC 1692 c - contact without prior consent ; 15 USC 1692 e 10 - false representation or deceptive means ; Due to these fraudulent means to collect an alleged debt, this consumer is claiming actual damages in the amount of {$100000.00} USD pursuant to 15 USC 1692k a 1.Research indicates that this entity- Alliance One - shows an annual revenue of {$20.00} to {$50.00} million dollars. XXXX, consumer, creditor, expects payment in 5 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I linked a bank account and transferred {$100.00} on XX/XX/XXXX. On XX/XX/XXXX I was notified by Coinbase that the transaction was reversed due to nonsufficient funds. I checked with my bank, who confirmed that the transaction completed. I have emailed Coinbase everyday for over a week without any response. The only thing I receive is an automated message that they received my email message.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have sent XXXX separate batch of disputes to the bureaus and have received no answers regarding the disputes I submitted. Between each batch, I waited over 45 days to allow them to research my concerns. To my knowledge the law has not changed. I am allowed to question errors on my credit report. They must reply back to me within 30 days after they receive. I've checked with my local post office and they are unaware of any problems with the local mail delivery.

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 2022-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had recently filed a case for fraud, they failed to help once but then I asked why they denied my case if they hadnt even reviewed over it, so then they agreed to help and they input a provisional refund meanwhile, and today I received an email of Bank of America saying it was denied because I gave permission of use to commit this Fraud. So insane! You can clearly take further action and check the ATM where this person took my money away from & stop this criminal! Now theyre making me pay out of pocket for something that I had no control of and theres no other solution.

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 2017-08-19
Company: AMERICAN EXPRESS COMPANY
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Transaction ID : XXXX Comptroller of Currency XXXX XXXX, 2017 Copy of letter to Bank Officers Hello,. XXXX XXXX XXXX XXXX is attempting to release an authorization/hold on customer 's card for a car rental that is paid in full. The hold should not be there as the company was already paid. XXXX wants the inappropriately held funds released.
Details : 1- The car rental was in the name of card holder 's spouse. The amount paid in full via customer 's AMEX SERVE was {$620.00}. The additional amount inappropriately being held is {$490.00}.
2- Card holder contacted AMEX Serve Customer service. Both the customer service person and the manager understood the problem, but stated that even though the authorization/hold should be immediately released, their automated system prevented them from doing so. They provided the release number of # XXXX to XXXX XXXX. XXXX said everything is released on their side, and that the date should be changed on the hold -- to today ( XXXX XXXX, 2017 ).
3- Again, XXXX XXXX indicated that the date of the transaction should be changed and the funds immediately released as they have been paid already. They offered to third party call in to AMEX to resolve the matter this morning. XXXX XXXX offered to fax AMEX Serve a cancellation document, or call Amex Serve directly to release these funds ( {$490.00} ). Again, AMEX customer services simply reiterated their policy.
4- I am writing to you for your help today to release my funds. For a working person, these inappropriately held fund are the difference between paying rent and eating, and literally being hungry.
I tried to get in touch with XXXX XXXX as well.
This is a unique situation where the merchant has already been paid. The merchant is attempting to cancel the authorization. And the merchant is attempting to contact AMEX to resolve the matter this morning.
Thank you for your help. Card Holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 have these items and i want them to be removed from my credit. 


1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft CAP ONE AF Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft CAP ONE AF Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft CAP ONE AF Date of inquiry : XX/XX/XXXX This is not mine. 

18. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

19. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

20. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

21. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

22. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

23. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

24. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

25. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

26. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

27. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

28. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

29. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: PA
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 am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$810.00} XXXX XXXXXXXX XXXX : {$800.00} XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX : {$0.00} XXXX XXXX Balance : {$8700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: MIDFIRST BANK
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On or about XXXX XXXX I spoke to a representative at Midland Mortgage and explained that I was experiencing extreme financial difficulty due to a family crisis and would like help with my mortgage payments to avoid late fees and negative credit reporting ( if  applicable ). The representative did a financial intake of my current expenses and offered an alternative payment plan where I would pay 1/2 of my XXXX payment and add the balance of the XXXX payment to the XXXX and XXXX payments. I received written confirmation from Midland on XXXX XXXX. The letter stated that on XXXX {$780.00} was due ; XXXX {$1900.00} was due ; and on XXXX XXXX$1900.00} was due. I called on XXXX to pay the agreed upon {$780.00} as agreed. The Midland Mortgage representative and supervisor stated that the agreement was " entered wrong into the system and the system had cancelled the agreement. Therefore the entire mortgage payment was due AND late fees are accrued on the account. '' I payed the entire mortgage payment. However, my concern and complaint lie in the fact that Midland Mortgage clearly did not hold up their end of the agreement, did not attempt to eliminate the late fees and seem to be engaged in practices not conducive to customer satisfaction. At the very least, the late fees should be eliminated. I contacted the mortgage company prior to the payment becoming late and sought assistance from them in advance as the company states on its website and on their recorded phone line. My experience determines that Midland makes false promises and engages in practices that involve unfair practices. We made a verbal agreement and I received written confirmation of our verbal agreement. Midland Mortgage should not be allowed to retract or renege on the agreement.
Please help me to eliminate the accrued late fees and investigate Midland Mortgages customer support practices. I will forward the letter to you as verification of my complaint.

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 2017-08-19
Company: EQUIFAX, 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: Account status incorrect

Complaint:
On XXXX/XXXX/XXXX I consolidated XXXX student loans. XXXX was paid in full and removed from the equation. XXXX reaged the date of major delinquency to XXXX. Clearly they were already out of the equation and this is incorrect. Attached documents include an Equifax credit report from XXXX XXXX prior to consolidation proving date of major first delinquency to be XXXX not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: ProCollect, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name and information were used fraudulently with Pro Collect on XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied for the home equity loan in early XX/XX/XXXX. XXXX XXXX  received all of the necessary documentation that he thought would expedite the loan process. The Appraisal came in at ( appox {$410000.00} ) a lot lees than what we felt our home value is. It was based on properties, with less sq footage and acreage. I called XXXX XXXX about the appraisal and he stated they could only use properties within 5 miles, that were sold in our area during the last 6 months. Not sure if this is accurate or just an excuse.
Attached is the email I sent to the Chase Mortgage team onXX/XX/XXXX. We did not get a response to my email. I sent another email to them onXX/XX/XXXX, since they had previously requested withdraw information from my 401K. Again no response.
Attached is the final email I sent to them regarding I our intent to not proceed with the home equity loan # XXXX. I followed up with a personal phone call to XXXX XXXX  and confirmed our intentions concerning the loan with him.
On XX/XX/XXXX we received a statement of credit denial, termination or change. We feel this statement could show up on our credit report and have a negative impact. The statement states ( we are unable to approve your application at this time, for the following reasons : 1 ) Value type place or condition of collateral insufficient or unacceptable. 2 ) MI is not available?
I called XXXX XXXX on XX/XX/XXXXabout the statement. Left a message on his answering machine and to date have not received a call back from him.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: AES/PHEAA
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:
Submitted ( PSLF ) XXXX proof of certification of employment for loan forgiveness ; and again on XXXX, but due to COVID the certification was dated XXXX. I was not denied in XXXX, but FedLoan said I did not qualify, must make 120 qualifying payments. I do qualify for loan forgiveness but am getting the runaround with FedLoan servicing. I did make payments since XXXX and worked for a public entity ( XXXX XXXX XXXX XXXX for XXXX years and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: M&T BANK CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone stole my debit card and other personal information from the mail and used it to make purchases at XXXX XXXX and XXXX XXXX while I was at my workplace. Both purchases were in excess of {$900.00}. I immediately notified M & T Bank that I had not received a debit card and that I did not make the transactions ; and did not authorize any other person to make such transactions. The next business day after I notified M & T Bank it denied my claim because it said the debit card and XXXX were used to make the purchases. I have learned that M & T Bank can not legally hold me liable for transactions I did not make ; despite the fact that a debit card it issued to me ( which I never received ) and XXXX  ( which is part of my SSN ) were used. Please see the Electronic Fund Transfer Act. I want M & T Bank investigated and held liable for its denial of my claim in violation of the law. I am in the process of contacting lawyers and getting assistance in filing a case in the DC XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: Empowerment Ventures, LLC
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Hello, Yesterday ( XXXX ) afternoon, around XXXX cst, I attempted to transfer money from my " XXXX XXXX '' to my main account. I have since tried multiple times without gaining access to my funds. XXXX XXXX allows me to budget during each week. The money is still in my account & visible but I can not spend it until I transfer it back to the primary account. I have continuously received an error stating the feature is not currently available via app & their website. I have contacted them by phone, unable to get to a live person, by email which advised me that service was also down after I pushed send & through their XXXX customer service & received an auto reply. All without getting an answer. There, on XXXX, I saw others were having the same issue, some had not received their direct deposits as of last night. I just need access to the last of my funds, {$50.00} before I end my relationship with this company. Thank you

Company response to consumer: Untimely response
Consumer complaint received 2017-08-19
Company: Experian Information Solutions Inc.
State: OH
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 have asked the credit reporting agency experian to investigate information that 's incorrect on report. I do n't believe they even investigated anything accounts all should be in bankruptcy. Experian will not srnd me any validation stating legal obligation to any of the accounts that are incorrect. Experian will not send me payment history. Furthermore no account shoulf have negative remarks my bankruptcy is now discharged.

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