BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-27
Company: ENOVA INTERNATIONAL, INC.
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A man named XXXX from a company called XXXX has called me to report a delinquent account on behalf of Cash Net USA as an attempt to collect an alleged debt. I 've never applied for a payday loan, so I called Cash Net USA and they have no record of me or an account in my name. I attempted to call XXXX back and continued to get voicemail. He later called me back from a different number in a different city than the previous call. I 'm sending a DN to the company. I highly suspect this is a fraudulent company. The original number he called from was XXXX and then XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: U.S. BANCORP
State: TX
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:
I have a loan with ELAN FINANCIAL SERVICE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX and ELAN FINANCIAL SERVICE with no successful resolution. XXXX, XXXX, XXXX only reporting me late. There was definitely an error on their part.

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 2020-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I went to an attorney and payed him XXXX dollars. He took the money and did nothing at all. I gave him a fair amount of time and waited and still nothing.So I filed a complaint with Capital one debit card on XX/XX/XXXX. Called and told them what happened so two weeks later I called them and they told me I lost the dispute without " EVER doing a fair or proper investigation.Im shocked appalled and angry. Who on earth conducts an investigation like that is beyond belief. That is the utmost unprofessionalism I have " EVER ' seen in all my life as a consumer card holder. If I did a job like that I'd be fired, the bank employee show 's no character at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: Capitol Credit Company
State: NC
Product: Consumer Loan
Sub-product: Title loan
Issue: Lender repossessed or sold the vehicle

Complaint:
capital credit illegally repossed my truck 1 week later after i renewed my contract with them my first payment not due till XXXX/XXXX/16 my truck there was not an active repossesion order on my truck i didntbowe capital credit anything i called and tried to talk to curt from XXXX nc office he talked real nasty to me they gave me 2 days to come up eith XXXX to get my truck back and then expect me to pay XXXX every month i feel like im being taken advantage of i hope you guys can help me thas the only means of transportation i have please help me

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
This is a follow-up to the complaint with Hunting bank. They responded in XXXX but I was not able to login to my account to view their response until just today. I call the cfpb a couple of times saying that I was not able to login to my account there, but never got a response other than someone would get back to me, but they did n't. 

I disagree with their response that I refused their offer to re-finance under their home savers program. What happened is that I was working with a XXXX XXXX, a mortgage officer at their XXXX XXXX. This person was very unresponsive and inept in dealing with my problem. She thought that she could do a refinance on both my first and second mortgage despite the fact that I was already past due by a month on paying my loan balance to them of over {$52000.00}. By the way, I did contact her as soon as I got the notice form the bank that my entire loan balance was due and payable in full, but she was slow in getting back to me and did not return my calls. 
After her working on the refinance for over XXXX months, she finally told me that she could not do the loan as my payment of the {$52000.00} to her bank was not paid and my account was past due. She knew this back in XXXX and should have told me at that time. If she had been a competent loan officer, she would and known when I first contacted her that she could not do the loan. At that point, I would have accepted the first offer from their XXXX XXXX department. Because of the way she handled this, I had hope that she was able to refinance both my first and second mortgage at a lower rate than the XXXX XXXX department offered. Because of how she handled this, I had to re-apply for the XXXX XXXX option and it took several more months of missing payments. I found that there was no communication between the various departments at Huntington Bank involved in my problem, despite the fact that I told each department which other departments I had talked to and gave names of who I was talking to in each department. 

Because of the way this whole thing was handled, not only is this costing me more because of the payments I missed, but I was approved at XXXX other mortgage companies for much lower interest rates to refinance XXXX mortgages but was only rejected at the last minute in XXXX case when Huntington Bank told them that my loan was past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hello, I had one checking account with Citibank and I opened another checking account last XXXX. The account started charging {$25.00} service fees starting in XXXX, but I didn't notice that till today. Total a {$100.00} service fees were charged. I called the citibank, and they found a mistake on their end that they did not link the two citibank accounts. The service fee would not be charged if the two accounts were linked. However, the rep could only refund one service fee of {$25.00}. The rep said it was the policy and could only suggest the management changing the policy in the future. 

I consider that unacceptable as it is clearly a mistake on their side, but refuse to correct their mistake. I would like you to help me get the rest of the charged fees. Also, I'd like citi to change the policy so that the mistakes on the citibank side could be corrected. 

Thanks.

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 2016-07-17
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I have been targeted by Racketeering & Identity Theft Fraudsters who have stolen my exempted social security XXXX income at a XXXX XXXX Bank by Malicious Prosecution in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
There are inquiries on my credit report that arent mine. Please delete

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 2020-09-04
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
Dear CFPB Complaints, I am greatly disappointed with the " XXXX XXXX XXXX XXXX   '' and Experian/XXXX  for failing to provide me with my free annual credit reports and their unhelpful service. 

I first requested my free annual credit report electronically on XX/XX/2020. But I was only able to obtain the XXXX  report. XXXX  and Experian failed to provide my report even though I answered their questions correctly. 

I requested my credit reports for XXXX  and Experian by mail on XX/XX/2020 though the Annual Credit Report service and supplied all the supporting documentation. They sent back unhelpful responses stating the criteria for obtaining the credit reports but without mentioning anything specific that was wrong in my application. 

I sent a new request by mail on XX/XX/2020. This time I included even more information than necessary and even went so far as to take a photo of myself holding my driver 's license, but they sent back the same unhelpful response. Frankly, I feel this response was both unhelpful and unprofessional. I feel this way because I spent a couple of hours to write out a thoughtful detailed cover letter addressing all their possible concerns, but they dismissed my efforts completely by sending the same generic and unhelpful response! 

My questions for Annual Credit Report/Experian/XXXX  : 1. Did you receive the copy of the front of my driver 's license ( Yes/No )? 
2. Did you receive the copy of the back of my driver 's license ( Yes/No )?

3. Did you receive the copy of the photo of me holding my driver 's license ( Yes/No )? 
4. Did you receive the copy of my social security card ( Yes/No )?

5. Did you receive the gas bill with my name on it indicating my new registered address in XXXX, Arizona ( Yes/No )? 

Lastly, my purpose for seeking this report is to confirm that no one is using my identity. I have indicated to both Experian and XXXX  that my credit should be dormant. The report should be showing no loans or credit of any kind. No balances at all. 

If there are any issues, I feel that we need to work together to resolve them, but frustrating this process with unhelpful responses is helping no one.

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 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I AM THE VICTIM OF IDENTITY THEFT. I HAVE REPORTED IT TO THE FTC AND TO THE BUREAUS ; I HAVE SENT THE INFORMATION AT LEAST HALF A DOZEN TIMES TO THE CREDIT BUREAU BUT THEY KEEP REPORTING NEGAVTIVE INFORMATION DESPITE IT BEING ON MY LAW ENFORCEMENT RPEORT AND IGNORING THE FACT THAT I WAS AFFECTED BY THE XXXX  BREACH. PLEASE ASSIST ME IN CLEARING MHY GOOD NAME AND MAKING THEM ABIDE BY THE LAW!!! 

The following accounts were opened fraudulently in my name, as reported to the FTC the bureaus and the local police department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX 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 2021-04-26
Company: Law Offices of Robert J. Colclough, III
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:
ALLIED COLLECTION SERVICES OF CA is reporting a collection for {$9500.00} from XXXX  XXXX  XXXX for supposedly sold them unpaid balance on this account. I never signed a contract to purchase or lease any vehicle from XXXX XXXX XXXX ... .Allied credit services went on to further provide a copy of the " contract '' that forged my signature and LACKED a date on the contract provided a driver 's license of a person with a similar name to mine but NOT me! YET they dared to report it to my credit for years. XXXX XXXX XXXX refused to provide any documentation to me directly due to the fact that they did NOT have any contracts with me, in my name to my social or to my dr license. ALLIED COLLECTION SERVICES IS GUILTY OF FRAUD, VIOLATION OF FAIR DEBT COLLECTION PRACTICES ACT, AND F.C.R.A. ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Experian Information Solutions Inc.
State: GA
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 was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX INQUIRIES : XXXX XXXX XXXX XXXX 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 2020-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX  XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.

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 2015-11-09
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2015 I received a notice from my mortgage servicer ( Shellpoint Mortgage Servicing ) that my mortgage was past due for the XXXX XXXX, 2015 payment. I promptly contacted them and faxed proof that my payment had cleared my bank account on XXXX XXXX, 2015 through electronic payment with a note indicating payment went to them. I have since spoken with XXXX representatives and XXXX manager and still can not get this matter resolved. I have been placed on hold for 15 minutes, disconnected twice, and have left numerous messages. On XXXX XXXX the manager, XXXX XXXX, indicated that they had verified my payment arrived in their bank account on XXXX XXXX, 2015 and they were trying to get it transferred to my loan account. I informed him that was very concerned about the late fees, interest accruals and credit reporting issues that come with this type of error. In fact as of XXXX XXXX, 2015 my account was showing as being 30 days late in their system and subject to credit bureau reporting. I have not heard back from anyone since XXXX XXXX, 2015 regarding a final resolution and would appreciate it if you could help.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have a XXXX  XXXX Credit Card showing up on my credit report that is delinquent, this used to be a ( XXXX XXXX card ) is what they told me when I contacted XXXX XXXX about this account showing up on my credit report and I never had a XXXX XXXX credit or credit card. I want someone to prove or show proof of this account agreement that ties me to this account that is on my credit report? 
I do have two XXXX XXXX credit cards that I have had for several years now, I have had no issues at all with either one. 
Here is the two cards that belong to me only XXXX XXXX ... ... ... # XXXX and a Platinum Card ... .... # XXXX I have disputed this twice now with TransUnion, they said that it belongs to me, I don't know why or how? but they have not showed how this belongs to me. 

Please let me know what I can do to get this matter resolved and also getting what ever else is tied to this account that is showing delinquent.

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 2017-08-09
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
i BORROWED {$5000.00} TO PAY BACK SOCIAL SECURITY AS THEY PAID ME TOO MUCH AND WERE GOING TO WITHHOLD BENEFITS. I AM XXXX AND A NON-COMBAT VETERAN. I WENT THERE AS THEY GAVE ME FUNDS IN 24 HOURS WHEREAS MY BANK WANTED 14 DAYS. I GOT THE MONEY PAID OFF MY SOCIAL SECURITY BALANCE AND PAID OFF A CREDIT CARD. I THEN WENT BACK TO MY BANK TO REFINANCE AT 9 % IN LIEU OF 27.58 %. aT MY CLOSING ONE MAIN FINANCIAL CHARGED ME {$270.00} IN A PRE-PAYMENT PENALTY.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have made XXXX on time payments to my mortgage provider. XXXX time they claimed they never received the check and the other time they received it ( bank confirmed cashed ) and they claimed it had insufficient funds which it had ample funds to cover the check

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have contacted Shellpoint ( Newrez ) several times regarding my homeowners insurance on loan XXXX. They refuse to pay my homeowners insurance to travelers insurance policy # XXXX. Now it has expired, and shellpoint is fraudulently charging my escrow account for overpriced insurance that they purchased for me. Shellpoint refuses to address this issue and I have wasted hours on the phone with them trying to get them to do their job which is to pay my travelers homeowners insurance. I want a refund on the fraudulent overpriced insurance charges placed on my escrow account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: Experian Information Solutions Inc.
State: NY
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:
THE INQUIRIES DISPUTED ARE DUE FOR REMOVAL OFF MY CREDIT REPORT. THOSE INQUIRIES WERE NOT AUTHORIZED BY ME.

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 2020-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
I have a EDD card with Bank of America and My card was blocked after few returns from the store as it seems like they consider it as a fraud if there are returns back to the card?! And I have spent at least 7 hours on phone to unlock my card but every time I am connected to another department they pickup the phone and disconnects the call as if they are wontedly blocked my card and now they dont want to unlock it. This is a fraudulent and abuse of customers rights.

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