BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
I have on my credit report a inquiry from Capital one bank USA na date XX/XX/18 that I don't have no ideal of and didn't give them consent to pull my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
Company: HYUNDAI CAPITAL AMERICA
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: Investigation took more than 30 days

Complaint:
Hyandai America financing company and I went under a lemon law case for my XXXX hyandai XXXX for technical issues with vehicle, where my car was paid off and I recovered a check. But days after I settled this lemon law case with hyandai, they put a charge back on my credit report. I have all the proof of this and disputed it and nothing changed. This is so unprofessional of them and I wont stop until this is solved.

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 2020-07-03
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
PNC will NOT allow electronic transferring of money. They make it IMPOSSIBLE to remove money from their accounts. They limit the amount to XXXX per day and XXXX per month. They lie saying it is a security risk. It is not. 

I am NOT eligible for grants because PNC will not accept electronic handshakes. See attached image ... this is a grant I qualify for but can not get because of PNC bank 's greed in not allowing online transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: Linebarger Goggan Blair & Sampson LLP
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They keep sending letters for years and i pid it originally when I got the parking ticket on vacation Then the collectors sent letters and I called and told them I paid it again online Then the letters continued and then they switched the name also and I am divorced Now they are only in ex husbands name sometimes And they want double the amount now claimng theres two tickets!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: U.S. BANCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a US Bank Reliacard in the mail Saturday, XX/XX/2021. I activated it because I thought it was the XXXX XXXX card I was expecting, ( had to close my original due to fraudulent charges ). I then decided to call US Bank to cancel the account and they said it was opened by the Ohio dept. of unemployment services. 
In the meantime, I put a freeze on new credit accounts through XXXX. I verified on XX/XX/XXXX that a new inquiry had been placed by the US SBA.

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 2017-10-13
Company: EQUIFAX, 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. The following XXXX XXXX credit card account : XXXX do n't belong to me. It 's not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a mortgage loan with Bank of America. I was given apre approval letter. BOA disapproved the loan right before I wasset to close on the property because Debt to Income being to high. 
In setting the debt, BOA utilized an auto loan that had been paidoff and not utilizing income on a rental property, both issues thatI had extensively discussed with the loan processor. AdditionallyBOA did not calculate rental property income in accordance withXXXX XXXX guidelines and would not correct their mistake whenit was brought to their attention. In calculating the rental incomeBOA calculated a rental income of {$9700.00} for tax year XXXX a loss of {$1600.00} for tax year XXXX. However in the calculationof the two year average, BOA calculated a two year averageas a loss of {$6100.00}. Additionally in calculating the loss for taxyear XXXX, BOA did not add back the HOA fees listed on the taxreturn as required by the XXXX Guidelines.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Approximately 2 years ago, Navient ( formerly XXXX ) sent me documents to fill out regarding my total/permanent XXXX status. I was to complete the documents and submit them to Navient 's partner, XXXX, which I did. 

The purpose for this was to allow XXXX to determine whether in their opinion I was totally XXXX, as was both Social Security 's and the Federal Department of Education 's opinions. 

XXXX agreed as well, but told me that the final decision, based on XXXX XXXX 's findings, would be up to Navient. 

Naivet agreed to my XXXX status, and removed me from any further responsibility for the loan payments - leaving them all to my co-signer. 

However, Navient did not and will not remove the outstanding debt still owed from my credit report. 

It seems to me that if I am removed from ALL FURTHER responsibility for this debt, I should also have the total outstanding debt remaining to be paid removed from my credit reports as well. 

In attempting to sort this out with Navient, all I ever get is their reply that " Their records are correct. '' I thoroughly disagree because how can a debt I have NO responsibility for continue to be listed on my credit reports as if I DO still have responsibility for this debt. Of course it does n't look good to creditors to think I am that much more in debt when I am not. 

I want Navient to discontinue reporting this debt on my credit bureau reports because legally THIS IS NO LONGER MY DEBT. 

Thank you for your assistance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: Experian Information Solutions Inc.
State: TX
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:
Over a two week span dating from XX/XX/XXXX to XX/XX/XXXX, I was looking to buy a new car since my old one is due for a severe amount of repairs. I had several hard inquiries into my credit but since the payments offered were so high, I decided to not buy a car.

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 2020-03-11
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Quicken Loans would not provide a rate or fee information via phone on XX/XX/20, instead requiring an application. After an application was submitted on XX/XX/20, the rate shown was higher than my current mortgage with XXXX. I asked online about the rate and fees, yet the online experience said working to close on my loan on these worse terms. Further, I received an email on XX/XX/20 to formally confirm my intent to proceed on these poor terms. 

On XX/XX/20, after repeated requests for the rate and fees, I received an email from XXXX XXXX that the rate is 2.75 % for the 10 and 15 year fixed. However, I later received an email from his manager XXXX XXXX that the rate was 2.99 % with {$3100.00} in fees. When asked about the 2.75 % rate, he responded that rate wouldve required points of another $ XXXX in fees. 

This lack of transparency and communication on basic information risks leading consumers to make incorrect or suboptimal decisions. 

Lastly, on XX/XX/20, I received a text message Hello my name is XXXX from Rocket Mortgage. I realized that none of our discounts and promotions were showing on your application. We have a better pricing. Please let me know when we can talk to go over goals. When prodded further, he responded I understand that you were speaking with my director XXXX. I apologize I sent this text to you by mistake. did you want me to have my director reach out to you? This is terrible customer service. 

Quicken needs to be transparent on the fees and rate associated with its loans with better documentation in writing. There are other lenders with transparency and disclosure. Market less, be transparent more.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
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:
I found some one used my credit record and open accounts under my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Today, XXXX XXXX, XXXX XXXX people came to my home and refused to leave after I informed them they were trespassing and loitering. Not only did they not immediately remove themselves from my property, the adult male proceeded to walk around the exterior of my house and peek through my windows, a classic peeping tom move, and contined to jiggle my door knob trying to open my front door. These are the same XXXX of the XXXX people who came to my home on XXXX XXXX, XXXX. I told these XXXX to leave and not to come back. After the adult male told me I have to leave ( meaning I must vacate the property ), I told him if they believe they have a right to place themselves on this property to take the matter up in California XXXX Court, but to cease and desist bothering me about it by coming to my home harassing me. I have made it clear to these people I have nothing more to say to them and anything they may have to say to me is most appropriately said in court, not on my porch. 

XXXX ) Invasion of Privacy. 

Bank of America has caused all manner of folk to come onto my property since the unlawful recording of the Notice of Default of XXXX XXXX, XXXX as dual tracking is prohibited since the modification process has not yet been completed. And now I am being told to get out of my own home. 

All previously mentioned resolutions are desired and mandatory.

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 2023-04-11
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I closed an account at XXXX and even after asking multiple times if my account was cleared and I did not need to pay anything else, I was told everything was fine. 
I have never received any letters or mail that anything was owed from either XXXX, or from the debt collection. 
I only received phone calls months later from an unknown number telling me about a XXXX charge which was impossible since I was told from XXXX employees that everything was fine. 
It was only after I checked my credit score that I saw the charge from the debt collector 's go to collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
sent XXXX and all required documents to them

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 2020-07-03
Company: FinCo Services Inc DBA Current
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I opened an account in XXXX of 2020 With current online banking I had money in my savings pod and my account was randomly suspended within the same month with no explanation at least 400 $ i contacted customer support via email numerous times and have gotten no response it is now XXXX Ive only received an automated email stating someone from the support team will beach out to me and no one has

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: Aargon Agency, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
on XX/XX/2020 XXXX I called XXXX debt collection to check to see if I had a debt with this company due to harassing phone calls. 
The customer service rep went over who I was and while I was explaining why I was calling this evening, I wanted a statement mailed to me as I did not receive any information or mail prior to today 's phone call. 

The customer service male was extremely rude over the phone using profanities and abruptly hanging up the phone, saying he would not send a paper statement because I was being " Paranoid '' and that I can reprint online. He gave me a website that was not secure to see my information which was false. I was not able to access my alleged bill with this company online or by mail. 

He than said because I wanted a physical bill that he had no choice but to mark me down as a refusal to pay. which I've never refused to pay just want to have proper proof of alleged debt owed. 

I personally don't give my bank information to companies that will not send me a statement or give me any kind of information when companies demand payment over the phone by strong arming people that come through the company. He told me he was not going to waste his time on a " paranoid 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 2021-01-02
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: Account information incorrect

Complaint:
For months I have made the decision to work on my credit report since XX/XX/2020 I have been sending letters to the credit bureaus to eliminate accounts reported in an erroneous way and I have been ignored, my right to a fair credit has been XXXX. I have not received a single letter at my residence from the credit bureaus.

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 2015-04-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
My home equity line is going to the repayment phase in XXXX, and the payment will go up by over {$1100.00} a month. RBS/Citizens has sent me letters saying seek alternatives if this payment is too much or I 'd have trouble. I did call, and after getting bounced all over was rudely told there were no options for me as the house is now rented to keep it afloat since I could not sell it. They refused to do any workout or modification, but did say I could deed in lieu to them. They sent paperwork for that calling my loan in default when I have never made any sort of default in payment, insurance, taxes etc. I have always made all payments on time. They also called a completely separate loan in default on another property that has an RBS mortgage where I am also not delinquent and never have been and did n't even ask about that loan in my call. They refuse to do any sort of modification at all and tell me my only options are to pay off the loan or pay the {$1100.00} more a month, or deed in lieu the property ( having now told me I am in default when I have made all payments on time ). I want to do a modification to buy more time at a reasonable payment so the bank does n't lose money and I do n't lose the house and maybe the value comes back so I can sell it and get us all out reasonably and with payment in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: ERC
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Found this debt on my credit report, but have never received any communication regarding it Sent a letter on XXXX requesting validation stating I would also be willing to settle the matter if they could provide proof They received the letter on XXXX, and as of this time they have not provided any documentation at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-02
Company: CBC Companies, Inc.
State: NJ
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 made several attempt to resolve since XX/XX/2020 please the attached proof XXXX : XXXX Mortgage needs to be removed it does not belong to me, Please see the provided proof. 

Secu this account shows late payments : This account is paid never, The balance is also incorrect. I am requesting that all information be corrected Please see the attached for further information XXXX  dates are follow : Per the USPS 1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX, 2020 All as shown above was recived by XXXX XXXX. 


XXXX  has declined to update my credit report, I have sent numerous request to them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 made several attempt to resolve since XX/XX/2020 please the attached proof Re : XXXX XXXX  needs to be removed it does not belong to me, Please see the provided proof. 

Secu this account shows late payments : This account is paid never, The balance is also incorrect. I am requesting that all information be corrected Please see the attached for further information XXXX  dates are follow : Per the USPS 1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX, 2020 All as shown above was recived by XXXX XXXX. 


Transunion has declined to update my credit report, I have sent numerous request to them as well.

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 2016-04-28
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have not been able to obtain accurate account information from Navient over the past 2+ months. The problem started when I noticed that the Navient website contains account information that has an " Estimated Payment Schedule '' which lists the loan start and end payment date, and the " Total Amount to be Repaid ''. On my loan - the website states that my " Total Amount to be Repaid '' is {$55000.00}. The problem is - I have paid to date {$63000.00} - which is almost $ XXXX more than they are stating I will have to pay over the life of the loan. So either there is a mistake on my account - and my account balance should be XXXX - or the numbers on their website are grossly incorrect. Note that the total I have paid to date is calculated from the Navient website with their information - and I have confirmed this is what I have paid. 

I have both emailed and called Navient to inquire what is included in the " Total Amount to be Repaid '' and have been consistently told that this includes " payment, interest and fees '' - both in writing, and on the phone. I have also asked them to verify my " Total Amount to be Repaid '' ( {$55000.00} ) is the correct number and they have confirmed ( multiple times! ) that it is. And yet, I have paid more than that - and my account still shows that I owe XXXX {$12000.00} - so there is something very clearly wrong. This has led to a lot of stress and work on my end. It is also *exceptionally* concerning that a lender who is responsible for millions ( maybe billions ) of dollars in loans - ca n't provide timely and accurate account information. Are they willfully misleading consumers - or can they not do math? Or have I overpaid on my loan? Do I have to keep paying? Someone please help! Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: The CBE Group, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They put it on my credit report and never contacted me. XXXX XXXX??? I did not even get a letter??

Company response to consumer: Closed with explanation