BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Capital One Auto Finance holds the title to our XXXX Subaru Forrester which has XXXX miles and needs $ XXXX costs of engine repair. We are trying to get a new car, but CapOne claims we owe close to {$5000.00}. We do not agree and have an on-line statement showing a XXXX XXXX balance. About 15-18 months ago we contacted XXXX XXXX at CapOne who became our customer advocate to stop credit and collection calls that we were getting XXXX times a dayXXXX days a week. His number XXXX, ext XXXX ... he has stopped returning our calls since he placed a " cease and desist '' order on our account. A CapOne rep recently told us their policy was that no one could communicate, send emails or statements, or have any contact unless we lifted the order or got an attorney. We are basically hostages because every credit report shows an open balance for over 500+ days

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There are XXXX accounts in my name. XXXX is mine.

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 2015-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Other financial service
Sub-product: Check cashing
Issue: Unexpected/Other fees

Complaint:
Dear CFPB, I contacted Bank of America to close out my health savings account on XXXX XXXX, 2015. Bank of America advised me that the account would be closed and I would receive a refund check for the funds that were in the account. I received a check from BOA in the amount of {$570.00}. On XXXX XXXX, 2015 I deposited the check BOA owed me to my XXXX bank account. On XXXX XXXX, 2015 to my horrific surprise BOA reversed the check causing my bank account to be overdrafed and causing financial harm. I contacted BOA directly to find out why they took my money on XXXX XXXX and the response I received was, " We are sorry the check was reversed, we have been advised by other consumers of the same issue and we are working to escalate to find out why this happened and will contact you the latest Friday XXXX XXXX. '' Not only was BOA not helpful, they did n't not return my funds. Due to their incompetence, I now have to pay a reverse checking fee and overdraft fee. This is unacceptable and unethical what BOA has done to me. I am a hard working single woman who should not be penalized due to BOA terrible mistake. The worst thing about the entire situation is that they could not tell me why they took my money they owe me. I hereby demand that the {$570.00} be returned to my account immediately along with the {$22.00} for reverse check and overdraft fee I now have to pay. BOA has not only violated UDAAP laws, they have also caused stress and financial issues on my part for what they did.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX of 2010 my wife and I had an appointment with Bank Of America to work out a acceptable mortgage plan to make our mortgage more affordable. I was working on XXXX that day. I was tasked to pick up a vehicle at XXXX. XXXX airport, pick up a drive, whom would then pick up a bus. Then we would return the bus to XXXX XXXX XXXX XXXX in XXXX. There shpuld have been plenty of time to d this and get back to home base at XXXX XXXX XXXX That is and hour from my house in XXXX XXXX On the trip tp XXXX XXXX XXXX XXXX from XXXX XXXX , the bus broke down on XXXX XXXX in XXXX XXXX By the time tow truck got to us, we returned to XXXX XXXX XXXX , and parked the other vehicle, and then drove the hour home, I had missed the XX/XX/XXXX. meeting with the Bank Of America financial representative XXXX My wife attempted to call ahead of the meeting time, explain what happened to me, and rescheduale. They, Bank of America, flat out refused to rescheduale the meeting. Since that day we were treated like criminals. Now we have had to short sale out home, can not find a place to live. We have two months before we have to move out. Bank of America sold our mortgage to XXXX XXXX XXXX Bank. XXXX XXXX XXXX started off treating us the same way as Bank Of America, probably to do notes By XXXX XXXX from the XXXX. XXXX. office.We had our rights violated by not getting another meeting to work out the financial issues. Because of this we were not able to qualify for a loan modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
We are finishing up putting XXXX of our children through college- all with multiple loans which we cosigned for and some have now released us as cosigners. It is an impossible task to not get financial aid and to do this without loans! Our children have been good about paying them and when fallen behind- we help if possible, Since I had a XXXX last year, I ca n't keep helping and our son XXXX has had some work decreases this year due to Obama 's ridiculous energy rules and he got behind on two payments that we cosigned for. We have been on these loans for 7 years- now our credit score dropped XXXX points yesterday due to Navient refusing to remove us from this loan and our son is so discouraged because he can never get ahead between the late fees and interest payments he then has to catch up on. This is a brutal process and leads one to just walk away from responsibility when they ca n't and wo n't cut any slack! HELP!!!!! None of us can do this anymore and we should be removed from these loans NOW- we ca n't keep getting upset - we paid these loans for a long enough time when he needed it but since this stroke- it is the cause of constant upset and turmoil which is only adding to my XXXX health. Please get them to help our son see the light of day and get our name removed from these Navient loans so my credit score stops dropping due to these ridiculous people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC1681. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-15
Company: LEXISNEXIS
State: WI
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: Investigation took more than 30 days

Complaint:
In XXXX of 2022 I started a dispute with lexus nexus to let them know they were not reporting the correct information on my credit report file regarding my bankruptcies. They reported back that the information was accurate back in XXXX. I then filed another dispute in XXXX and also included letters from the XXXX bankruptcy XXXX and also XXXX. I have since been told that my account is still under review with no updates. Only being told that someone will give me a call, or I'm placed on hold for over an hour with no help. I have letters from the companies stating that they do not give out personal information so I'm trying to figure out what's the hold up with updating my account. I know I'm past the XXXX day wait time so I'm looking for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: Vinson Mortgage Services, Inc.
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
Vinson Mortgage charged {$9900.00} to refinance and consolidate our mortgage by explaining how the refunded escrow and skipped payments would offset these fees. They GROSSLY exaggerated these benefits. They had us sign blank and undated forms. They had us sign that we received info that we did not receive. We were told to sign but NOT date forms. We were sent forms with missing pages. We were consistently mislead and given inaccurate information and false information from XXXX. 
We were told to SKIP the XXXX payment for our mortgage, but that was erroneous info that COST us $ XXXX/day for the 15 days XXXX kept telling me not to worry or not to pay because the payoff amount was already issued. We were told that the escrow amount in our current mortgage would be refunded to us in an amount of around {$2000.00} when the actual amount was less than half of that. XXXX had a habit of responding to written questions via phone conversations or in person talks. He actively evaded providing written, texted, or emailed information that could be used as supporting documentation ( which raises suspicions about his ethics ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: ALLY FINANCIAL INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There are unauthorized businesses on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Synovus Bank
State: AK
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:
First Progress repeatedly mishandled my payments, which were mailed directly from my bank to their address on the statements. They marked me as delinquent for XXXX and XX/XX/XXXX, as well as XX/XX/XXXX, even though I sent payments for all these periods and mailed in proof of these payments. This has severely hurt my credit and I want it to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: Designed Receivable Solutions, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/2021, i sent DESIGNED RECIEVABLE SOLUTIONS, INC 5 letters for the alleged balances of : {>= $1,000,000}, and XXXX that i don't owe. I have never had any communication with them.I asked them for the validity of the debt but never receive anything thus far. I sent the letters off USPS certified mail w/tracking # XXXX on XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I was approved for the Barclays AAdvantage Aviator XXXX XXXX XXXX Mastercard credit card on XX/XX/2022. At the time of approval there was a welcome offer for XXXX  bonus points after spending {$2000.00} within 90 days. The terms state " The bonus miles will be reflected on the billing statement in which you have qualified to earn the bonus. '' I met the {$2000.00} minimum spend requirement on XX/XX/2022. My billing statement closed on XX/XX/2022 and no bonus miles were awarded. I confirmed with Barclays via Secure Message on XX/XX/2022 that I met the minimum spend and I was owed XXXX bonus points. They assured me that I have met the requirements and the bonus points would be reflected " on the billing statement in which you have qualified to earn the bonus '' which was clearly not the case.

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 2022-11-15
Company: Experian Information Solutions Inc.
State: PA
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:
Ive been XXXX and pulled a copy of my credit report it appears that someone open an account in my name that I didnt authorize and my identity was stolen

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 2017-01-19
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Currently you have a lawsuit with Navient and XXXX XXXX and did n't know who to contact about my same issue with the company? I have taken loans from XXXX XXXX and they transferred them to Navient. I am currently in a forbearance program and racking up interest. I did n't know if we were part of the law suit or what direction should I take to get some relief? Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: SYNCHRONY FINANCIAL
State: CO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
My husband and I a loan with Synchrony bank for furniture in either XXXX or XXXX. Since then we have been paying over XXXX a month and the balance never goes down. I feel that we were misled with deceptive sales tactics and contracts. We have XXXX children and XXXX income now. How is it that we borrowed approximately XXXX three years ago, paid over XXXX a month since then and still owe 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 monetary relief
Consumer complaint received 2016-09-07
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received a summons to go to court. 
I had never received a letter for this until after i was served with the lawsuit. I couldnt even dispute this. 
I have lived in my home for almost 10 years. 
I went to court and told them that i was the only person working in my family and it was a part time that i had started a couple of days ago. I have XXXX minor children and my husband is a military veteran in the process of applying for XXXX. I told them i could pay {$10.00} until i get back on my feet and they said no that they would not accept that. 
I dont understand english well and my husband was not with me in court. They tricked me and said the only thing i could do is agree to a consent to a judgment which i didnt even understand what that was until i searched it in the internet. 
They tricked me just because i was scared. Now my home will have a lien on it because they didnt tell me what a judgment was, they just made me sign my name and told me that was the only thing i could do. I do not agree with this judgment.

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 2015-05-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I met a friend of my friend apparently he works at Wells Fargo. I did n't know they could open up accounts with just your nAme and phone number .... Now I have am account open which I did n't authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
incorrect reporting accounts paid in full

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 2015-09-28
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On or about XX/XX/XXXX i purchached a XX/XX/XXXX XXXX from XXXX in XXXX ca. For XXXXWithin two weeks the vehicle was towed XXXX they replaced a eater pump which again exploded cracking the block. I requested they replace the engine severral times and they denied my request. Knowing and willingly they they closed the first contract to sever my right to sue and opened a new contract for the sale of a XXXX which also had mechanical problems when i took it in they advisrd of a rotor replacement and did not repair any other parts neededwhich ate up XXXX tires it was serviced on the last day of the warranty. Thereafter it was repossed and i lost my evidence while in sear h of an attorney and now have no car and bad credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX XXXXXXXX Acccount name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXccount name : XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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