BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-15
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
or your information I also submitted this complaint to the Federal Trade Commission. I ordered XXXX products online from the merchant ( XXXX ). The cost per product is only {$4.00} each. I was made to believe that this is the amount i have to pay for each product. But when the bill statement came, I have to pay {$92.00} for each product ( 2 XXXX ) and {$97.00} for each ( 2 XXXX ). I would NOT have agreed to pay those amounts if only I knew the merchant has indeed truthfully posted the terms and conditions before the checkout. I filed a dispute to the Citi Cards company. But The Citi Cards company has informed me that they are unable to assist me with the dispute due to the terms and conditions of the merchant ( XXXX ) prior to the checkout. But the truth of the matter is that there are no terms and conditions Prior to the final checkout or placing the order. I was misinformed. I did not attempt to cancel tjis transaction because I was made to believe this is only a one-time purchase. I did not dispute the original charge because i was made to understand that I would only be charged {$4.00} for each product. I did not agree to be charged with {$370.00} for the XXXX products or items. In fact, I returned the XXXX package with the ( 2 ) items or products to the merchant upon learning the real cost of it. The merchant will not acknowledge it that I returned those XXXX products even If I have the U.S postal receipt because they told me I did not inform them before i returned. I tried to convince the credit card company not to allow the merchant to charge me because i was misled and misinformed by the merchant. But Citi Cards decided to favor the merchant for they received the papers from the merchant stating that I agree to the terms and conditions prior to placing the order. I told them It was a lie. If they check the website, the merchant did not post the terms and conditions before placing the order. I told them the papers they sent was fake and false. There was no Terms and Conditions that were posted online Prior to the purchase or prior to the checkout. I told the Citi Cards billing dispute department, they can check it for themselves if what the merchant said was true or not. But they ignored me. I told the Citi Cards that I am not paying those charges even if they already made the decision because the merchant 's practice is questionable and their procedure is unethical and irresponsible.

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 2020-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/XXXX, Capital One stated they would pay off my loan with my previous lender within 7 days. Rather than actually do this they called back on XX/XX/XXXX repeating the same information that they wound then payoff my loan within 7 days even though they previously stated it would be done previously. Then today XX/XX/XXXX, my previous lender stated they never received the payoff. Now two lenders are trying to make me make payments for the same car. 
When I call capital one finance for auto it states no one is available and to call back the next business day. 
I can not resolve this issue as capital one refuses to let me speak to them. 
Capital one did not fulfill their promise to payoff my loan and mislead me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I do not agree with XXXX when they reported a bill delinquent on my credit reports. In an effort to get them to remove it I wrote them a letter and sent them a check requesting them to remove it from my credit reports with XXXX, XXXX & XXXX. In the letter it also says if you cash this check the account is now paid in full and you agree with the terms of the letter and they have 15 days to remove the account from the XXXX credit bureaus. They removed the account and then resubmitted to the credit bureaus. They need to correct this immediately. As of XXXX/XXXX/2017 they cashed the check that was sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I lost my job XXXX XXXX, 2016. I called Honda Financial Services to inform them of this and see about deferring some payments until I could get working again. I was told " no '' because I had n't had my vehicle long enough to make six consecutive payments. I assumed I would be getting a tax refund this year and just get caught up with that money. When I went to file my taxes, I learned I was going to be PAYING IN and getting NO refund.I called Honda back and asked them to work with me.Again, I was told " no ''. 
After asking several family members ( who are all financially strapped themselves ) for assistance and them being unable to help, I called Honda back and asked again for help so I can keep my vehicle, and again was told " no ''. I explained I was not unemployed by choice and am looking for new employment like a madwoman! I was told being unemployed is not considered a " hardship ''. Are these people all high??? It 's a hardship for me! 
I live in a very rural area.We have NO public transportation here! If you do n't have wheels, you DO N'T work, nobody will hire me without them! I have asked Honda several times if they will help me with my loan so I can keep my vehicle. My XXXX mother co-signed the loan and lives on social security.She has no way to help me out.Honda sent me a past due notice and in there it states if I am having financial difficulties, to contact them immediately and they can help.They have offered me NO help and I do n't want to lose my truck!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-01
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company, Specialized Loan Servicing LLC, based in Colorado, is using investor guidelines for PMI removal that are in excess of what is allowed by the Homeowners Protection Act of 1998. Specifically, SLS is attempting to impose a seasoning requirement on my mortgage before they will remove PMI. I sent a letter to SLS explaining why the seasoning requirement is not enforceable. SLS sent a written response stating that the seasoning requirement is valid. I am sending another, more detailed letter to SLS at the same time I am submitting this complaint. I will attach copies of all of the relevant correspondence. 

Additionally, I recently received the annual PMI disclosure notice from SLS. The annual disclosure notice does not mention a seasoning requirement. It appears that SLS does n't mention a seasoning requirement until you write to them requesting that PMI be removed.

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 2016-09-22
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/1983, U.S. Bank charged me {$96.00} Late Fee on my FRM Loan on XXXX XXXX XXXX, XXXX, IL XXXX. I protested, as the Late Fee was due to Administrative Error by U.S. Bank, but U.S. Bank refused to cancel the Undeserved Fee.

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 2015-03-30
Company: U.S. BANCORP
State: OR
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I contracted with a real estate agent for a short sale of our home. We notified all lenders, yet the XXXX lender required repeats on many of our documents, claiming they were unreadable or expired. Finally we were told all of our documents had been referred to the committee. After a months wait we were told they did n't have our real estate agent 's email correctly and our file was now paused. Documents were unreadable or expired. We are in our XXXX extension -- expiring at XX/XX/XXXX -- with a viable buyer because of this process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I do not owe XXXX this debt I switch carriers and and the remaining phone bill was paid this amount is false I been with XXXX for 13 years until they started adding false charges on my statement I was offered a plan with XXXX and my lines carried over and the remaining monthly charges was satisfied as I inquire about my payment they can seem to locate me in there system

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 2022-05-16
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Myself and my current mortgage company have been trying to get Roundpoint Mortgage to fix a lien that they have on my property since XXXX. We have been calling and sending emails since the XXXX of XXXX. We were told XX/XX/XXXX was the date the lien was going to be filed to HUD but that didn't happen. The lien still has not been filed. We have over 20 emails between the two of us and over 30 phone calls documented. Even requested a phone call with the " President '' which never happened. XX/XX/XXXX was told someone would call me from customer advocate department on the XXXX. Was hung up on XX/XX/XXXX while being " transferred '' to the advocate with still no help. I called back and was told a customer advocate would call me within 24hours which has been their statement everything I call. All of this to get a lien filled correctly or released that was their mistake.

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 2015-12-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I request for loan due to my credit report misplaced ether by some one using my name for his or her selfish ends, please help me to fish out this miscreant

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX XXXX ACCOUNT NUMBER XXXX Must be removed from my credit file. I personally spoke to the firm. They do not have any records of 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 2020-06-12
Company: Selene Holdings LLC
State: NY
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:
SELENE FINANCIAL LP ACCOUNT NUMBER XXXX Must be removed from my credit file. I personally spoke to the firm. They do not have any records of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Noticed that an interest charge was showing on our monthly statement. Found out that the advertisement on our phone app for AMEX showed that we could pay an amount of our balance due prior to a certain date. This was something new that was added to the app. However, the date was the same as our total amount due date. The advertisement is super misleading because it made me think that the balance due and total amount due were different dates, and as long as I paid the amount by the total amount due date I would not in-cure interest. This makes the consumer think they can spread their payments over 5 weeks instead of the actual 4, that was what I was doing before they started advertising the balance due option.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I am contacting you in reference to a matter that I 've had to send communications to Capital One about. Everyother month Capital One XXXX reporting my auto loan on my credit report, I dispute it, it updates correctly and thenreappears. I filed bankruptcy due to having XXXX bills from the birth of my son ; however, that hasbeen discharged for XXXX years, my reaffirmation agreement with Capital One was declined by the judge. 
Nonetheless, I continue to make payments on my vehicle and will until it 's paid in full. My issue with Capital OneAuto is the credit reporting ; it 's incorrect, should n't show anything but ( account closed, bankruptcy XXXX, zerobalance ) or something of that nature. Anything other than that is a clear violation of the FCRA post-bankruptcydischarge requirements. I 've communicated with them at least XXXX times over this year alone about the same thingtrying to get it permanently resolved. To report a discharged debt as something else ( for example, '1charged off ' orhaving a balance as more than zero ) violates the provision of the FCRA that requires creditors from reportingincorrect information. XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( A ). it is also a violation of the FCRA if I 've notified them about theincorrect reporting XXXX several times XXXX, but then they still have not permanently corrected it. XXXX XXXX XXXX ( a ) ( XXXX ) ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: EQUIFAX, 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: Account information incorrect

Complaint:
They reposed my car, on or before XX/XX/XXXX and in my credit report they charged off the account on XX/XX/XXXX .. I contact them on XX/XX/XXXX and I never heard from their part anything ... I report a dispute with Equifax today, they charged off this account just because I asked to lower the payment ... I made a payment and I owed 1 payment ... the reposed the car after 2 days from the payment and now I have a debt for {$2400.00} while is my payment was XXXX ... I had a hard moment in my personal life after I found out my Xwife was a XXXX  XXXX  and she was XXXX  ... she couldnt accept herself that she was XXXX  and she drop out ... I was suffering and decided to go for divorce ... and since then Im suffering of everything financially to my work to my personal life ... please help my situation is not supportable..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: CASHCALL, INC.
State: FL
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:
In late 2013 I was late paying off a loan to Cashcall. I talked to someone who said if I sent {$100.00} now + the remainder of the money I owed in a couple of weeks ( I believe ) that my debt would be paid. I did that, I sent {$100.00} and the remainder of the debt. I went on with life assuming it was done, and I get contacted again and they want another {$2500.00} + in interest accumulated on the {$100.00} I failed to pay. I did pay that, I paid what I was asked to pay. Now they want me to pay this ridiculous amount in fees and I refuse. They have filed a negative credit report on me, and now it's ruining my credit through no fault of my own. I have all of the email correspondence between me and Cashcall in this matter. I am just having an issue accessing them to post here, but I have them and can and will be able to send them all later

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
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:
So, I sent letters off on XX/XX/2022. Here are my tracking numbers XXXX, XXXX, XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is supposed to share my information with third party people.

These are clear violations of my federally protected consumer 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
Consumer complaint received 2017-10-12
Company: EQUIFAX, 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 CONTACTED THE CREDITORS AND THE CREDIT BUREAUS ON THE FRAUDULENT INFORMATION ON MY CREDIT FILES.FIRST I WAS EVER LATE WITH XXXX XXXX, XXXX IS A FRAUDULENT ACCOUNT, XXXX XXXX IS A FRAUDULENT ACCOUNT, XXXX XXXX IS A FRAUDULENT ACCOUNT, XXXX XXXX XXXX, XXXX A FRAUDULENT ACCOUNT, XXXX XXXX  XXXX IS A FRAUDULENT ACCOUNT. I HAVE ATTACHED MY POLICE REPORT PROVING THE FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Experian Information Solutions Inc.
State: NY
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:
Ive sent numerous cfpb complaints to this company to address the issue on them not completing an investigation on discrepancies on my credit report. Ive sent them documentation and social security cards stating that i am the person who wrote the dispute. This company is violating my fair credit reporting acts by avoiding removing the inaccurate information that was never investigated. On XX/XX/2020 i submitted a dispute letter to transunion in regards to inaccurate derogatory remarks on my credit profile. I sent the letter certified mail and it displays transunion recieved the letter. It has been over 30days and I havent been notified of the results of the investigation. This is a direct violations under my rights of the fair credit reporting act due to failure to properly investigate my disputes. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.

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 2021-11-02
Company: EQUIFAX, INC.
State: MD
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:
I am XXXX XXXX, and I am submitting this complaint myself and there is no third party involve. I sent letters to all three major bureaus the date of the last letter to Equifax was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: AMERICAN HONDA FINANCE CORP
State: KY
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:
I had car loan through Honda Financial that was paid off in XX/XX/2019. During the whole life of the loan not one payment was missed or unpaid. On my credit history it shows my last payment was XX/XX/2019 but shows a late payment for XX/XX/2019. This is taking a huge hit on my credit report. I never received a late statement a notice NOTHING. I tried reaching out to Honda Financial multiple times they are closed. Please help take this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Experian Information Solutions Inc.
State: AR
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX {$21000.00} CHAPTERXXXXBANKRUPTCYDISSED

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 2021-12-10
Company: KEYCORP
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed by scammers pretending to be my electric company. They tricked me into sending {$490.00} with threats to my business and account info. Neither XXXX or Key Bank will reverse the charge claiming I authorized it. Key bank uses a link to XXXX in its mobile app connected to my account so while I was tricked I assumed my money would be protected through these services.

Company response to consumer: Closed with explanation