BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-27
Company: ALLY FINANCIAL INC.
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Ally financial charged me a late fee of XXXX for a late amount of XXXX. I contacted Ally via their web site ( which states a XXXX response time to complaints/comments ) twice without any response. I did n't realize I was short on my payment for XXXX As soon as I received a note from Ally - on XXXX/XXXX/15 I scheduled a XXXX payment. How does a bank get to charge 100 % late fee. Today XXXX/XXXX/15 I received another note from Ally saying they are charging me another XXXX plus XXXX. This is crazy. Additionally about 3 months ago I called Ally and requested an audit of my loan because I felt Ally was not crediting my payments correctly. The agent told me Ally does not do that - she absolutely refused and advised Ally has no executive services for handling customer complaints. Please investigate this lender they are terrible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
For Trans Union, I received PRE-APPROVED pappliations for XXXX credit cards. They then reported these as hard inquiries. I read that if you are pre-approved, it will NOT be reported as a hard inquiry. Please investigate this for me. XXXX cards were received and are active. 

On my XXXX report there are XXXX hard inquiries from XXXX within a 3 week period. I did not authorize XXXX these inquiries. Why would they need XXXX checks in 3 weeks, anyway? Also, I also was hard-checked by XXXX in conjunction with the XXXX account. They collaborate to install internet, phone and TV services. Also, I already had an account with XXXX. There was no need to do a hard check on an existing account. I just moved. In short, there were XXXX hard inquiries to open XXXX account. Please help me with this problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have called PNC numerous times over the past few weeks to ask them to apply my payment. They continue to hold my payment ( {$2100.00} ) in some suspense account. As seen in the yellow circles, I have made a full payment with my two biweekly payments. You can also see that they typically apply that payment right after they receive both halves. This month they have been holding both halves of my payment for over two weeks. Ive called XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. They still wont correctly apply my payments. 

Their system also undid two separate principal only payments that I made. Once for XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. Both of the screenshots show that I wanted these applied directly to the principal but they reversed it and moved the funds to a suspension account. 

I respectfully request that they correct everything and get my balance updated properly because interest is getting calculated on the outstanding balance. But because they are refusing to apply the payments I sent the interest is being calculated on the wrong amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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 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 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 non-monetary relief
Consumer complaint received 2015-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My Home equity line of credit matured a little over 2 years ago. I have asked numerous times for the bank to term out the balance so i could pay them back over a period of time understanding that i would pay principal and interest. I continued to make payments for approximately 2 years. My payments are almost always on time or before the due date. 
About 3 months ago they started sending back my payments and sent me a letter saying my only option was to pay off the balance in full at this time. I asked for the balance and payoff and it seemed reasonable since i had continued to make payments in amounts greater than the interest monthly that showed on my statements. Now they send me a balance owed of over {$10000.00} in additional interest and the principal balance that appears to be that which it was more than 2 years ago??? I can not reach a manager to get any explanation of how this could be nor can i get anyone to agree to term out my payments of principal and interest once i get an agreement on the correct balance owed??? Please help me get to someone who can answer these questions and clearly discuss my option to repay this within my ability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On or about XX/XX/XXXX I was told my account was on hold because a suspicious check was deposited into my account. On XX/XX/XXXX I spoke with XXXX XXXX and was told there was an active investigation for deposit fraud. The bank requested that I file a police report and complete the regions ID theft kit, and I completed these in good order. 

I was informed by XXXX XXXX that the investigation was completed, and I was cleared of any deposit fraud. When I went to give XXXX XXXX the paperwork, I was informed my account was closed, and my social security number was flagged so tat I could never open a new account with regions. There were also unexplained fees from the bank that left my account overdrawn. 

I feel that I have been taken advantage of by regions banks as this is the first bank account I have opened on my own, and on XX/XX/XXXX XXXX XXXX emailed me to inform me that him and his XXXX are in agreement that I did not remotely deposit the check and that my identity as well as my online banking were compromised. I should not have to pay for something I didnt do. The bank did confirm in our call today they do not charge other bank customers any fees when they have fraud on their account. 
Please note that I have filed a complaint on this matter with the XXXX attorney general XXXX XXXX office,

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 2020-06-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
i am a victim of identity theft i have fraud account on my credit report i have reached out to all 3 bureaus to have this matter resolved no results this has caused a lost of job and other issues please help

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 2016-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
Product: Credit card
Issue: Billing disputes

Complaint:
1. On XXXX/XXXX/2015 I did use a credit card to pay XXXX XXXX XXXX for {$2100.00}. The credit card was insured by Capital One Co. 
2. On XXXX/XXXX/2015, I found XXXX XXXX XXXX are cheating me for {$2100.00}. Please see consumer complaint case no XXXX XXXX of State of Hawaii. 
3. On XXXX, I called Capital One to dispute the charge of {$2100.00}. The Capital One dispute department not take their responsibilities to stop the charge of {$2100.00}. After few months, The Capital One still asked me to pay {$2100.00} and plus interests etc on my credit card which insured by Capital One Co. I think as a credit card provider, Capital One have the rights to protect their customer when a disputer case happened. 
4. On XXXX/XXXX/2015, Capital one send a letter to me that said They are not able to get {$2100.00} back to me. 
5. At this point, I am asking Government organization or consumer protection to investigate such case : Is Capital One really protected their customer? 
6. If Capital One is not able to protect their customers, why we need such credit card? 
7. I hope The Capital One is not related with XXXX to charged me {$2100.00}? 
8. I dispute the charges and related interests! 
I also did send this complaint to state of Hawaii and Utah.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09
Company: CURO Intermediate Holdings
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, My name is XXXX, I have received an email twice one from XXXX and one from XXXX, which i have never request a loan to this speedycash! Please help me with this scam collecting company! They using speedycash Business logo to get money from me!! My identity has been stolen and This is not my debt and I have never get money from this place!! 
They should Stop harass me on treating me on take legal action against me! 
Thank you so much! 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I HAD A TD BANK ACOOUNT THEY CHARGED ME XXXX, XXXX IN OVER DRAFT FEES FOR XXXX CHARGE OF XXXX FOR A MATRESS, AND THEY CHARGED ME OVERDRAFT FESS FOR EVERY TIME THEY MESSED UP ON THERE PAYMENT IOTION TO PAY BILLS, THEY KEEP SUBMITTING PAYMENTS TO COMPANIES AND THEY TAKING THE MONEY BACK THE PAYEMNTS WHERE NEVER AUTHORIZED BY ME, AND THEY WERENT DUE PAYMENTS SO ALL THE COMPANIES CHARGED NMY XXXX EACH TIME IN FEES I OWE XXXX XXXX IN REFUND PAYMENTS AND ALL THE OTHER COMPANOIES CHARGED ME FOR CHECK REVERSAL FEES TOO, I NEVER OWED THEM MONEY TO BEGIN WITH, TD BANK TOLD ME TO BAD AND CLOSED MY ACCOUN TSO I CANT EVEN PULL UP ANY DETAILS, THEY ARE RUDE THEY RIP PEOPLE OFF I AM NOT THE ONLY ONE, THEIR OVERDRAFT AND CHECK REVERSAL FEES ARE RIDICOULOS THEY SAY I OWE THEM OVER XXXX FOR FEES. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: CA
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:
Equifax refused to remove multiple mortgage hard inquiries within 45 days from first inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: GOLDMAN SACHS BANK USA
State: FL
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:
The complaint XXXX is not resolved. The Bank asserts giving me a credit of {$400.00} however my debit balance was not reduced by that amount. I asked for an audit and I have not received the results of an audit. I did not have a second dispute and I do not want to pay {$400.00} again. Please remove this charge from my records otherwise close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: Kriya Capital, LLC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Credence Resource Management, LLC. violated the Fair Debt Collection Practices Act, North Carolina Collection Agency Act, and North Carolina Debt Collection Practices Act by its failure to identify itself as required by said statutes during its communications addressed to me on XXXX XXXX, 2015 and XXXX XXXX, 2015. 

Fair Debt Collection Practices Act 807. False or misleading representations [ 15 USC 1692e ] ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. 

North Carolina Debt Collection Practices Act 75 54. Deceptive representation. 
( 2 ) Failing to disclose in all communications attempting to collect a debt that the purpose of such communication is to collect a debt. 

North Carolina Collection Agency Act 58 70 110. Deceptive representation. 
( 2 ) Failing to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector ; provided, however, that this subdivision does not apply to a formal pleading made in connection with legal action ; ( 7 ) Falsely representing the status or true nature of the services rendered by the collection agency or its business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: Recovery Solutions Group, LLC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Company has sent letters and left messages on voicemail indicating that they are calling from the legal department and intend to put a lien on my home. The creditor charged me XXXX for XXXX for 3 days to dry up a basement flood, and in the process ripped a chunk of my wall out that was never repaired.

Company response to consumer: Closed
Consumer complaint received 2021-12-28
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have been blocked obviously from the bureaus for frivolous disputing after disputing items over and over they block you from disputing that item. So now I have to dispute through the CFPB and the FTC. I know my consumer protection rights I am 20 hours away from my XXXX  degree at XXXX I cant wait to pass the bar. 
I recently received a copy of my credit report and I noticed XXXX, XXXX, and XXXX furnishing accounts on my consumer report that should not be on there. I have directly requested Debt Validation and Proof of Claim documents no response from XXXX. Congress clearly states that they are in violation. I am reciting the law as it is written, since they meaning bureaus and XXXX want to ignore me I will start filing lawsuits for every violation because if Im wrong then congress is wrong. 
( I demand the below accounts be deleted from my consumer report. 

XXXX {$80000.00} XXXX XXXX {$13000.00} The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act . 
[ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension ofcreditdirectly or indirectly by the issuer of XXXX XXXX similar device ; Read the law I did not make this up. 
So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

I demand these accounts be VERIFIED and VALIDATED to the last cent or deleted from from my consumer report. 
Failure to respond satisfactory with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which. 

I Will be seeking {$1000.00} per violation for. 

Defamation of Character Negligent Enablement of Identity Fraud Fair Debt Collections Practice Act 15 USC ( 1681 ) violations Fair Credit Reporting Act 15 U.S. Code 1681n - Civil liability for willful noncompliance. 

Best Regards, XXXX XXXX XXXX XX/XX/1966 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX I made all of my loans direct loans in order to participate in the Public Loan Forgiveness Program ( PSLF ). I worked with an employee of XXXX XXXX XXXX to get everything in order to begin the program of making 120 qualifying payments to then be forgiven. I went on the repayment plan I was told I needed. I paid on time for years. On XX/XX/XXXX during my annual review I spoke to an employee who told me I had made 33/120 qualifying payments. On XX/XX/XXXX I faxed over my annual employment certification form and annual documentation of income for repayment recalculation amounts. On XX/XX/XXXX I was informed via phone that I only had 11/120 payments qualified! Since I should have been well over 40 I was shocked. I spoke to many different employees and was told in the end that I wasnt on the correct repayment plan from XX/XX/XXXX to XX/XX/XXXX. Due to their error, I now have only 59 qualifying payments towards PSLF when u should be at 120 soon. They provided incorrect information to their borrower and are doing it to many. If this situation is not remedied and my qualifying payments are not adjusted to reflect the 33/120 that I was given on XX/XX/XXXX I will hire a lawyer to expose what they are doing to make this process practically impossible for all. Thank you for your help in trying to remedy this unfortunate situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute CenterXX/XX/XXXX XXXX XXXX, PA XXXX To whom it may concern, I am writing to update my personal information. There are some mispelled incorrect names that are on my credit report and there are some fraudelant addresses that I've never lived. Please remove all fraudelant addresses and all incorrect mispelled names. The incorrect information is as followed. 




Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Name : XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Correct Address : XXXX XXXX XXXX # XXXX XXXX MA 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 2017-02-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I would like to close the checking account ending in XXXX. I spoke with XXXX, XXXX., XXXX, XXXX, as of XX/XX/XXXX, and am being told that my checking account will be closed. I would like to keep the lines of communication open so as to see why they would not qualify me to close the checking account. They seem to want to hold onto the {$110.00} and apply to car insurance and keep me a customer. I still am car insurance customer. I 've been hospitalized before XX/XX/XXXX when I asked to close USAA account and female rep called the police on me and i got processed through XXXX, discharged, and USAA was so mean to me thereafter accusing me constantly of being XXXX. It 's made me very XXXX to deal with USAA and have XXXX. And the XXXX have sent me to XXXX and caused XXXX and me to be uncomfortable. I feel so discriminated against by USAA. confirmation number : XXXX and will send check to po box in XXXX, az and will reflect XX/XX/XXXX. I would like to keep lines of communication open unit I receive check and account has been closed for 90 days. I do n't know why the reps have been so difficult and treated me rudely. They really XXXX and caused me some uneeded XXXX in XXXX amongst XXXX. Not to mention, XXXX XX/XX/XXXX and REP PLACED CALL TO XXXX POLICE AND oFFICER XXXX. When I relocate XX/XX/XXXX, I hope to find a better car insurance company. I can not believe they would be so insensitive and try to make me unsafe and seek XXXX and XXXX just to remain customer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation