BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-27
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On Sunday, XXXX XXXX XXXX I opened a savings account on online at my current bank which I 've been with since XXXX or XXXX. On Thursday, XX/XX/XXXXt I got a notification from a bill pay that my card was not being accepted. This has happened from time to time because I travel to and from our state capital for work, when I call they unblock it and things are fine. On this day, I was told my entire account checking and savings were going to be closed and I would receive a letter and a check explaining. I was then given the number to XXXX XXXX XXXX. When I called XXXX, they asked for my personal information and said oh, it 's because of XXXX XXXX XXXXXXXX. It says you owe money. from XXXX of XXXX, I called XXXX XXXXXXXX XXXX and confirmed that the {$74.00} they reported I owed was paid. 

On Tuesday, XX/XX/XXXX I received a letter from the bank, but not a check stating that my savings account was declined because they were unable to verify information and that I should reapply within a financial center. ( THERE WAS NO REFUND ) I called my bank again on Friday I finally spoke to someone Stateside. After reviewing the account she advised me to go to a branch and that they could override this decision. I explained that my bank, Citibank, was opened while i lived in XXXX, DC XXXX I now live in XXXX, NY. there are no open branches in XXXX. I also explained that without proper notice, I could n't notify my payroll department to discontinue my direct deposit in time. On Friday, the bank accepted a deposit of XXXX plus two small XXXX deposits. 

After trying since early Monday, Today, XXXX XXXX I 've contacted my actual branch as advised by the person on the phone on Friday. The gentleman tells me to call XXXX and see if they can tell me when I can get my money out and why the account was closed and all of the questions I 've asked them. 

My direct deposit is scheduled to hit my account tomorrow morning. I have no way to get the money or stop the transaction. I have not been refunded what 's currently in the account and I 'm worried that I will not be able to get it back. Please tell me my options. I know I 'm not a high wealth client. I literally live paycheck to paycheck and I ca n't pay my mortgage or car not ( which to stay on top of things I pay bi-weekly ), I suddenly ca n't open any other bank account. Please advise.

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 2020-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Due to the XXXX XXXX pandemic we called Capital one Auto to see what are options were. We had asked for deferral of payments like other auto loan agency are doing but was told we had to pay XXXX today XXXX and starting XX/XX/XXXX pay XXXX for 3 months. This was after they were told my husband and I were both furloughed due to XXXX  and I'm the only one getting XXXX. They said theres nothing they can do. I also explained that XXXX XXXX has been extremely helpful during this time and has deferred our loan for 120 days. My husband and I bought our vehicles the same day and year a little over a year ago and XXXX  was willing but Capital one response is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: UMPQUA HOLDINGS CORPORATION
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
What happened is my mom passed away about two years ago I inherited the house and I tried to call Umpqua Bank is the mortgage company and the man explain to me the house was in foreclosure, but I still had time to get the house squared away and put in my name the man sent me some papers to sign at the bank and it was supposed to be transferred into my name and I would continue with the payments instead, the house was auctioned the sheriffs auction without any notification to me so insured a guy had lied to me and I am unsure what to do now, so I figured I file a complaint the house was sold on XXXX for XXXX which I couldve at least short sell the house. The property was worth XXXX I feel like a bank didnt give me a proper notification. Give me time to figure out how to save the property. This is where Im filing a 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 explanation
Consumer complaint received 2022-01-05
Company: Bridgecrest Acceptance Corporation
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The FDIC recently forwarded a complaint to the CFPB on my behalf about wrongful billing tactics and harrassment of my current automobile loan. The CFPB did reach to Bridgecrest located in XXXX, Arizona and a manager from Arizona contacted me on XX/XX/2022 and XX/XX/2022. The manager did not allow me adequate time to communicate with her. On XX/XX/2022, two repo men came to my residence to repossess my automobile. 

On XX/XX/2022, my car was wrongfully repossessed by Bridgecrest. The repo men blocked my driveway. The repo men did a breach of peace. Insults were shouted at me by a third man in a white vehicle. The repo men violated privacy laws about my account information ; via communication of my account status to someone in the parking lot. 

I am a United States veteran. The repo men did not notify the police of their activity beforehand. 
The compliance manager from bridgecrust contacted me from arizona XX/XX/XXXX i missed hte call and they left a voicemail. I wasnt ready no answer her questions so i didn't call back. XX/XX/XXXX she called again 3 cars went to my house they blocked my drive way i had to contact the police. They were telling my neighbors and my police how much i need to pay them. They were telling me i need to pay my bill. There were compliance issues there were not proper issues for the account now they performed an audit and i had been asking them to that long time ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
in regards to this previous case # XXXX. I just faxed the pervious paperwork the XXXX XXXX which she never called me back or told me that I was missing something. I faxed the paper work to her on XXXX2017. I am faxing you the same paper work and you will see that I did faxed them everything and even my pay stubs and banks statements to them. they keep saying that I do n't sent them the information but is false statements. they do n't answer their calls and they do n't even answer their mail and just at the last minute they make the customer wonder what is going on.

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 2022-04-29
Company: EQUIFAX, INC.
State: DC
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 speak with Equifax Customer Service. They threaten me that my credit reports stay negative for XXXX account in XX/XX/2016 until XXXX ( 10 years ). but my account was closed/paid off. I have a confirmation # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: Caliber Home Loans, Inc.
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, We're working with Caliber home loans. We are 8 months behind on mortgage payments and having been working with them to get account back to good standing. We received a notice to reinstate the mortgage on XX/XX/19and prevent foreclosure they needed payment of {$9500.00} by XX/XX/19. We sent them the payment {$9500.00} by XX/XX/2019. In talking with them today XX/XX/2019they returned payment because it didn't include XX/XX/XXXXpayment. They said to call later today to see what they will decide, we've made the payment to get the account reinstated and avoid foreclosure. We're still working on keeping the account in good standing XX/XX/XXXXgoing forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: Experian Information Solutions Inc.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. Someone stole my personal information and identity, has been impersonating me for over 30 years opening fraudulent and unauthorized credit card accounts in my name. I been receiving harassing phone calls and death threats regarding the fraudulent and unauthorized credit card and collection accounts and student loan account. The following credit card and collection accounts, hard inquiries and public records are fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/XXXX, {$2800.00} XXXX XXXX XXXX, XX/XX/XXXX, {$14000.00}, XXXX XXXX, XX/XX/XXXX, {$5000.00}, XXXX XXXX, XX/XX/XXXX, {$8400.00}, XXXX XXXX, XX/XX/XXXX, {$5900.00}, XXXX XXXX XXXX, XX/XX/XXXX, {$7300.00}, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX,XX/XX/XXXX, {$290.00}, XXXX XXXX XXXX, XX/XX/XXXX, {$25.00}, XXXX XXXX XXXX XXXX, {$390.00}

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 2017-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I fell behind on my credit card payments. I was five payments behind when I was offered a payment arrangement. I had to pay the past due amount in installments of {$72.00} and the card would be in good standing again. I was never advised that the card had been restricted or would be unable to be used if I made these payments. I made the payments as directed, brought the card back current and under the limit. The moment that the card was " current '' again my account was restricted. I have contacted Capital One on two occasions to have this rectified without assistance. I have been told I just need to keep making payments and they review accounts periodically to remove restrictions. No idea how many payments I will need to make or how long before I can use the card again. I was never advised of this in the letter I received to make the payment arrangement. I feel like I was misled into making payments that I would not be able to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: Action Revenue Recovery, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Upon reviewing my credit report i noticed an account from action revenue recovery. First how in the world does a third party has my medical information. Second i have not been contacted AT ALL by this company. I would like to as a consumer be giving the right to dispute this account. It NEEDS to be removed IMMEDIATELY until they can prove it 's validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: EQUIFAX, INC.
State: LA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XXXX i submitted a dispute to ALL three credit bureaus. XXXX, Equifax and XXXX. My dispute was simple. I felt that my hippa rights were violated. A third party agency has my medical information and i am SURE i have NEVER given anyone permission to release my information. I explained to all three bureaus that this was NOT a dispute and i was demanding proof of a medical release form or remove these accounts. I was not asking for verification or validation of any debts. XXXX removed all these accounts. Somehow ALL these accounts came back about 2 months ago without me being notified. I then sent in ANOTHER dispute and XXXX hits me with a frivolous " fraud dispute letter '' mind you i wrote this letter out AND signed it. I sent another letter, still no reply. XXXX needs to remove these accounts or they 'll see me in court for one re-inserting items back on my credit report without my knowledge for two FAILING to dispute the inaccuracies thaf i found on my credit report. 
XXXX ALSO removed and re-inserted accounts. Everytime i redispute them i NEVER hear back from them. 
Equifax replied that the accounts were VERIFIED. I clearly did not dispute these accounts. I want a medical release form from these collection agencies or i want these accounts removed ASAP!!! 
My personal and medical rights have been violated. I will protect my rights even if it means going to court. I will not stand for this. The following MEDICAL accounts need to be removed IMMEDIATELY XXXX ( multiple accounts ) XXXX  XXXX XXXX multiple accounts ) XXXX XXXX multiple accounts ) XXXX XXXX EQUIFAX DOES N'T SHOW THE NAMES OF THE COLLECTION AGENCIES BUT ACCOUNT NUMBERS. THEY ARE STILL THE SAME. I AM GIVING THESE CREDIT BUREAUS 15 DAYS TO ADHERE TO THE LAWS OR I WILL BE FILING A LAW SUIT!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XX/XX/XXXX i submitted a dispute to ALL three credit bureaus. XXXX, XXXX and Transunion. My dispute was simple. I felt that my hippa rights were violated. A third party agency has my medical information and i am SURE i have NEVER given anyone permission to release my information. I explained to all three bureaus that this was NOT a dispute and i was demanding proof of a medical release form or remove these accounts. I was not asking for verification or validation of any debts. XXXX removed all these accounts. Somehow ALL these accounts came back about 2 months ago without me being notified. I then sent in ANOTHER dispute and XXXX hits me with a frivolous " fraud dispute letter '' mind you i wrote this letter out AND signed it. I sent another letter, still no reply. XXXX needs to remove these accounts or they 'll see me in court for one re-inserting items back on my credit report without my knowledge for two FAILING to dispute the inaccuracies thaf i found on my credit report.
Transunion ALSO removed and re-inserted accounts. Everytime i redispute them i NEVER hear back from them. 
XXXX replied that the accounts were VERIFIED. I clearly did not dispute these accounts. I want a medical release form from these collection agencies or i want these accounts removed ASAP!!! 
My personal and medical rights have been violated. I will protect my rights even if it means going to court. I will not stand for this. The following MEDICAL accounts need to be removed IMMEDIATELY XXXX ( multiple accounts ) XXXX  XXXX ( multiple accounts ) XXXX ( multiple accounts ) XXXX XXXX XXXX DOES N'T SHOW THE NAMES OF THE COLLECTION AGENCIES BUT ACCOUNT NUMBERS. THEY ARE STILL THE SAME. I AM GIVING THESE CREDIT BUREAUS 15 DAYS TO ADHERE TO THE LAWS OR I WILL BE FILING A LAW SUIT!!!!!!

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 2017-07-05
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX 2017 I received a letter from Hunter Warfield claiming I owed over {$3500.00} for an apartment complex. I called Hunter and requested a debt validation as I had not heard from the complex in question. Hunter Warfield claimed they had not received any statements from the apartment but would get one and mail it to me. I did n't hear from them again until XXXX 2017 when I received a notification via XXXX XXXX that my score had dropped due to a collection. Of course, Hunter Warfield had added themselves to my credit report as a new collection. I immediately called them again and was told that there was nothing they could do. They looked in their notes and saw that I did request to have the debt validation sent and they just had n't done it. The only way to remove it from my credit was to pay the full amount due and they would report it as paid. I tried for a supervisor and manager who all said the same thing and that it was too late now as it was reporting to my credit. I needed to " get over that fact and just pay them what is due or they 'll make my credit even worse. '' I asked what that meant and they said they had ways of making people pay whatever they wanted. I hung up and tried to get someone else and once my file was accessed, I was put on hold for 34 minutes and then hung up on. My old complex is not sure what is going on but says they are out of it.

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 2020-10-08
Company: Experian Information Solutions 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:
Dear administration, After my second complain credit agency add to my report more than 40 request for a loan. 
I do understand you make it angry and now they start discriminated me. 
They block my password and I can not log in, I am old and write my password to list, no chance any mistakes. 
After first complain was been 4 request for the loans, and two not belong to me at all, right now you can see attached list. 
I never do any from this requests. 
I had two credit cards, XXXX XXXX and XXXX XXXX, one loan from XXXX XXXX, XXXX car what take from XXXX XXXX. 
I do request from XXXX XXXX for credit card, they send me offer and when I fill this application they answer you do not qualifiyed, and XXXX XXXX XXXX. 
Please do not forget now easy find a location the person use mobile phone. 
I can bring you evidence I do not travel to this company or not do any request online, I have not debt and do not see necessary request for many companies about a loan. 
Right now this fraud from Experian, humiliates and discrimination. 
Please remove all what you add illegality!

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 2022-06-10
Company: Experian Information Solutions Inc.
State: MI
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 XXXX  Account # XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.

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 2017-07-05
Company: Navient Solutions, LLC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX did not comply with the Fair Credit Reporting Act, in regards to conducting a reasonable investigation of my dispute against an inaccurate item on my credit file.
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On XXXX XXXX, 2017 I obtained my annual free credit reports from XXXX. I noticed that XXXX XXXX had an account listed about me that is inaccurate. I did not authorize XXXX XXXX to report this account on my credit file. I called XXXX XXXX on or about XXXX XXXX, 2017 to ask them the deleted the account because it is incorrect. I was informed that they could not delete accounts from my credit file that only the credit bureaus could do that. I then contacted the three credit bureaus, XXXX, XXXX and XXXX via USPS Certified Registered Return Receipt to inform them of the inaccurate credit listing and to delete the account. All three credit bureaus wrote back to me stating that XXXX XXXX verified that the information about the account was accurate and that it would remain on my account. I am distressed that XXXX XXXX continues to break Federal and State laws by not conducting reasonable investigations to my credit file when I ask them to which caused damage to my reputation, my credit score and causing me lost opportunities to seek credit. The account I am referring to is : XXXX XXXX # XXXX ... There is no contract for this account. I did not authorize this account to be on my credit file.

Company response to consumer: Closed with explanation