BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-15
Company: Consumer Portfolio Services, Inc.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
a debt collector from consumer portfolio ( cps ) called me, I hung up on him telling him it was a bad time too talk I was driving, he called me right back, again I told him it was a bad time and hung up again. he called me again, I said it is a very bad time I am going too hang up, and I did, he called me again, XXXX times in a row. I asked to talk too a manager, this collector told me no manager was working and he hu. I stopped at a rest area on the pa turnpick and called back, talk too a working manager. she told she would have too listen too the tapes of the call. I asked when I could call back? she sd in a few days. so I did, XXXX months later after a lot of call back and leaving messages I talk with the manager as no one else could help me but her. she sdaid tha she could not hear me well now, so I asked why did the collector call me back XXXX times w/ a XXXX mints, why did the collector tell me there was no manager working, how is he allowed too do this.. she sd she could not hear me ... so I asked again, she told me collectors arellowed too call as many times as they feel they have too, and they do not have too follow the fdcpa because they are XXXX party. it does not apply too XXXX party collections, then she asked who is my atty, that was all she care about.. I asked her too clear this up ... just too make sure, her collector called me XXXX times in a row after I hung up. I asked for a manager and the collector refused too give me XXXX, and he is allowed too do this, she said yes. the laws do not apply too XXXX party

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: MIB Group, Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I requested a dispute with MIB about the information being reported by XXXX Insurance on my file. I explained to them that item is from XXXX, XXXX deletes that after 7 years, Normal credit reporting agencies delete info after 7 years. MIB states XXXX reported to them in XXXX, not my problem that is the date that they reported in on my file. Consumer Financial Protection laws protect comsumers from reaging information and it 's not even a debt, it 's information taken from my driving record which no longer appear on my driving record, that 's because dmv deletes it after 7 years, however MIB has n't deleted and it 's not A farmers insurance issue. it 's mib lack of understand of the fcra that i 'm protected under. 

i have attached the correspondence from XXXX as evidence that the incident is from XXXX and my current mvr that shows that incident is not longer on my driving record. I ask you once again MIB to delete those XXXX inaccurate items off my mib report. Again this is not an issue with XXXX Insurance, it 's an issue with MIB Reluctance to keep accurate information on my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I open an account for my XXXX Daughter wicht I specif made clear that the account has Not Ovedraf and No over drawn privileges. It is on the account contract., but Bank of America have taken almost {$200.00} on overdraft fees

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
Vendor is improperly reporting late charges and has refused to close my account for over a year which has no balance. No statements were ever sent by XXXX and I never received any statements until I filed CFPB complaint # XXXX yet after I closed my card XXXX processed charges ( never sent me notice of charges or billing ) and reported late payments ( even though no request for payment by XXXX was made ). XXXX stated in response to that complaint that my card had in fact been closed XX/XX/XXXX ( even though it was n't ). XXXX charged me with late fees and reported on my credit even though the card was closed with no balance. I received the attached letter in the mail on XX/XX/XXXX stating that my credit card ( which XXXX states was closed XX/XX/XXXX ) was being transferred to a new account. That new account shows open online and that I can make charges. I can not re-open the prior CFPB complaint to add this response so I am filing a new one. Either XXXX fraudulently notified the CFPB that my account had been closed ( see CFPB complaint # XXXX ) or my statements about their systems malfunctioning are correct. If I am correct then that further demonstrates the incompetency 's of their system and inappropriate late reporting. If I am not correct then that means XXXX knowingly summits false claims to a federal governing body. Take your pick.

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 2016-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I applied for a refinance and was pre-approved. The sales agent said if the loan was not approved the house would not be appraised or the appraisal fee would be returned. My house was appraised but I never was informed about the status of the loan. I was cut off and all correspondence by me has not been answered. I have requested a return of the appraisal fee and I have had NO ANSWER. The process was appalling by all concerned and I would not recommend this bank to ANYONE.

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 2016-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Checking account open in my name and I explained to them that account is not mine now I got deninded to open a new checking account at a local bank where I live.

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 2023-09-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Student loan appears multiple times on report. Account was closed due to loan transfer then reopen. Effecting my credit age

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 2016-05-13
Company: Navient Solutions, LLC.
State: RI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I received a 2 % percent raise at my job and my husband 's received an annual raise as well. Because of the increase in our income, we were denied a payment plan through Navient because we have disposable income ( {$300.00} a month ). We recently purchased a house so that we could invest in our future and move out of an apartment and were told that, regardless of our monthly rent payment becoming almost doubling for our mortgage, I was still told that they could n't help me lower my payment ( which equates to half of our mortgage ). The suggested that I have a bank buy out my loans and renegotiate my terms with them, which I have looked into. Most banks that I looked at had higher interest rates than my already high ones through Navient which seemed like a dead end to me. I was not asking for loan forgiveness, but simply to lower my payment so that we could have money each month both to save and to use for unexpected expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: Diversified Consultants, Inc.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
COLLECTOR IS IN VIOLATION OF FCRA, FDCPA, TCPA LAWS FRONTIER COM IS IN VIOLATION OF F.A.C.T.A.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I am a member of USAA, and have been for over 3 years. I recently was forced to obtain a new chipped debit card, and since I have received it there has been too many problems to count. USAA is placing fraud holds on my account multiple times per day, requiring me to call them repetitively daily after most of my transactions. I have asked is this hold being placed manually or automated, and was told it is automated. The last straw was on XXXX/XXXX/2017, I made a few purchases, and my car broke down that morning. I have kids and work, so I needed a rental ASAP, when arriving to enterprise they tried to process my transaction and it declined. I then called USAA and stayed on the phone with them over an hour trying to fix the cause of the problem, which they stated was because of the transactions, I placed earlier being fraud. I told them it was me, and when the card was reactivated enterprise said they could n't use my card any more because it was declined. I then had to transfer money to another account, and pay USAA a XXXX transfer fee. Even though this whole issue was their fault. I then later needed to pay my mortgage on that day, and when trying to pay it online through XXXX, was declined again. I called USAA and was given the run around for about an hour, after all the hassle they still did not help me. I was unable to process my transaction, causing another fee with my mortgage company. I think it is a disgrace when someone has the money in their account, and in times they really need it are constantly being blocked because of a flawed automated system. I have never been with a bank that blocks my card after use like this bank does. I should be able to access and spend my money any way I wish. This is a problem for me because I handle alot of bill paying online, as well as other transactions. I have to call them at least 2-3 times a day since I received this new card to reset it because it keeps saying fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Enclosed is a letter I Sent to USAA BANK certified and registered. I sent it to the ATTORNEY GENERAL and as promised, I am sending it to the media. If you are in trouble or with USSA BANK and having same or similar issues with them from illegal stealing of account money, closing accounts and not telling you, keeping your insurance claim money, lying, refusing to call back on legal matters that FTC commission deems as bad faith or if you dealing with XXXX a CEO or XXXX XXXX XXXX XXXX at USAA BANK and want start a class action lawsuit against them call me, if you are FTC or a regulator or an attorney please call me, I have more than enough proof on every department of USAA BANK as being theft related, also USAA BANK better remember one thing clear, they do not have stock holders are not federal, and claim the members are part owner, so if that is the case, WHERE IS MY MONEY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I called the general customer line. Stated that I wanted to cancel my credit card account. Was transferred to another person ( XXXX ) whose job is presumably to talk customers out of cancelling their accounts. Started off nice enough. She asked why I was cancelling my account. I replied that I did n't need the credit card anymore. She asked a few more probing questions before I finally told her that I simply wanted to cancel the card, my mind was made up, and that there was no way she was going to convince me otherwise. Her big " selling point '' was that closing my credit would negatively affect my credit score. She explicitly threatened that closing this credit card could prevent me from qualifying for a home mortgage loan or a car loan. I explained to her that I am attorney, I work for a bank, and that I understand how closing a credit card affects a consumer 's credit. She also explicitly stated that USAA was " looking out for [ my ] best interests. '' This is patently false. USAA makes money by keeping credit card accounts open. Still, for another XXXX minutes she refused to close my account. I asked to speak to her manager. She refused. I asked for her employee number. She refused. After another few minutes she finally relented and closed my account. The entire call took XXXX minutes. Should n't have taken more than XXXX. This whole exhange was expecially disapplointing because I have been a USAA member for nearly 15 years & have generally had positive experiences.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: LEXISNEXIS
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My irs payment was not remove from my public records, When I went to purchase my home it pulled up in public records. Please remove out of public records attach you will find the proof. they remove it off my credit report but not public records

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
I had a Capital One Credit card that was legally settled on XXXX/XXXX/2015 but is still being reported by Capital One to the XXXX national credit reporting agencies, XXXX, XXXX & XXXX. This account was placed with the XXXX XXXX XXXX, attorney firm, and was subsequently settled with the law firm. I have disputed this error both with the XXXX credit reporting agencies and with directly with Capital One, per the FCRA, but Capital One has arrogantly refused to correct their erroneous reporting. I have attached the settlement offer letter from XXXX XXXX and proof of payment, both of which were furnished to Capital One in my dispute with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
Product: Credit card
Issue: Billing disputes

Complaint:
I requested Capitol One to credit my account for XXXX dollars. I disputed acharge for a transaction submitted from XXXX XXXX XXXX on XXXX/XXXX/15. I didnot authorize this transaction. I demanded a copy of a receipt from DirectTax signed by me. Capitol One refused to provide it. I am seeking a fullcredit of XXXX. My card number is XXXX visa XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Capital One has not refunded my security deposit. I closed my account in good standing and with a XXXX balance weeks ago. Capital one is dragging their feet, basically holding my security deposit hostage for absolutely XXXX reason. I have XXXX dollars that they took out of my account in a matter of hours, but when it comes time to return the money ... ..they take weeks. Absolutely unacceptable. I feel capital one is attempting to punish me for closing my account and taking my business elsewhere. This is a violation of my rights as a consumer and also illegal. Please refund my deposit immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
XXXX XXXX XXXX is threatening to place a judgment against me for a debt which they purchased from Capital One. I have never entered into a legal contract with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Credit Collection Services has attempted to collect a debt from me for XXXX and I never established a contract with this company, in addition this company has defamed my name and character and reported false information to both my XXXX and XXXX credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
Capital One was informed on Tuesday that an improper charge was filed, XXXX times more that actual bill : {$21000.00} versus {$210.00}. Vendor confirmed it was {$210.00} on phone with Capital One and my engineering business. Despite reported fraud, capital One paid the entire fraudulent amount on Friday, wiping out my remaining credit, resulting in rejection of valid charges. After 5 hours on phone attempting to resolve, I was informed it was MY problem to recover my {$20000.00}. Of course vendor, a XXXX XXXX, is not returning either my or Capital One calls. I 'll be taking my business elsewhere and suggest others do as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
XXXX XXXX, Financial Sales, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA ; Telephone # ( XXXX ) XXXX, allegedly submitted vehicle loan applications without my authorization to CapitalOne Auto Finance ( reference number XXXX ) and XXXX XXXX XXXX XXXX ( # XXXX ). I had already purchased a car with my own financing. XXXX XXXX mislead me by stating " it is the company policy to run a credit check on every customer purchasing a vehicle, even though they do not need financing assistance from us '' to allow them to run my credit. XXXX XXXX, 2016, I became aware of the problem because the denial letters from the financing agencies arrived. I met with the Sales Manager, XXXX XXXX regarding this matter, requesting that the credit bureau agencies are notified and inquires removed. I am seeking your assistance with this fraudulent activity. I want the damage to my credit score from inquiries to be immediately removed. I did not authorize these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
I attempted to make a retail purchase using my Capital One card and it was declined. I received a text and email ( Two-factor authentication ) to which I responded affirmatively, yet Capital One did not authorize the charge. I spoke with their fraud unit and I asked to know why the card was declined. The only explanation offered was that it is the holiday season and that falsified cards are in use and, thus, Capital One declined the charge. 

No adequate reason given. What is the point of having a credit card when the issuer can not allow you to use it? This should be illegal. Capital One 's fraud procedures are nonsensical, inadequate, and a nuisance for customers. I was in physical store and the salesman asked for my ID when he ran my credit card. That is not foolproof, but it is the best means of validation of a charge, yet Capital One ignored simple logic, ignored its own 2FA, and did all this without any premise whatsoever. This company has completely failed to meet its obligation as a credit card issuer, and I warn all consumers to stay away from using Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Transaction issue

Complaint:
I had a Banana Republic Visa card through Synchrony Bank. In XXXX 2016, I had to cancel the card because Synchrony could not tell me how to stop the unauthorized auto payments that kept occurring. They told me I must have set up the auto pay through my bank which is impossible because I have never once use that feature for any online bill pay. When I cancelled the card, there was a little over {$60.00} credit that they were supposed to have refunded. I still have not received the refund. I opened another card in XX/XX/XXXX. Last weekend, I logged into my online account to make a payment on the new card and saw a balance due on the cancelled card of a little over {$70.00}. I called to find out how charges were posting in XX/XX/XXXX to a card cancelled in XX/XX/XXXX and no one could tell me. They said they would have to send it to their fraud department. Today, I received an email from Synchrony stating that the transaction being disputed was not found. I logged into the account and it is now showing an approximately {$42.00} credit. I called to inquire and still, no one can tell me what is going on. I am hoping that the CFPB can assist in getting this issue resolved.

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 2016-03-28
Company: Conn's, Inc.
State: LA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Conn 's Credit is deliberately providing invalid information to the Credit Bureaus. The company states the first date of delinquency of my account was in XXXX XXXX. This is false and sent deliberately to the Credit Bureaus to allow for a longer reporting time. The account first became delinquent in XXXX. Seven years past this point the account should be removed from my XXXX Credit Report. Conn 's is providing false data to manipulate the length of time the report stays documented on the credit report.

Company response to consumer: Closed with explanation