BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-09
Company: Brelvis Consulting, LLC
State: AK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I contacted The Student Loan Help Center in hopes of having my student loans forgiven since I am an XXXX service member.They appeared very interconnected with the U.S. Department of Education and informed me that there was a high chance for my loans to be completely forgiven. They informed me that they could help me by consolidating my defaulted loans for me in exchange for a payment of {$900.00}. Although I gave them my personal information such as my SSN, address and debit card number, I feel my sensitive information was mishandled. I am now aware this third party does not need to be involved in the consolidation of my federal loans. I am also currently having those payments refunded to me through my bank and there is a pending investigation for fraud. I wish to inform the community of this organization so that XXXX soldiers will be aware of this scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital One has cancelled my credit card even though I have submitted three forms of identifications : a Real Id XXXX Drivers license, a passport, and a government PIV card. Capital One refused to verbally or in writing identify the reason for the cancellation. Capital One has also refused to refund the hundreds of dollars of rewards associated to the account. Per their website, I have {$660.00} in rewards. I am seeking compensation for all unclaimed rewards as well as written confirmation that the card has been cancelled ( to avoid any inaccurate and derogatory reporting on my credit reports ). 

Despite knowledge of Capital Ones refusal to unfreeze my credit card, I paid off my remaining balance on XX/XX/XXXX. I have never paid late and often pay ahead of the autopay schedule. There is no reason for the cancellation. This card has been active since XX/XX/XXXX. 

I have made numerous attempts to resolve this issue since XX/XX/XXXX when my card was first denied by vendor. I initially responded to the request for identification with my XXXX  drivers license which does not have a real id certification. I was a resident in XXXX from XXXX and a resident in XXXX XXXX from XXXX. I moved to XXXX XXXX to serve as a XXXXXXXX XXXX XXXX XXXX XXXX  and returned to the US in XX/XX/XXXX. I was unable to provide an XXXX  drivers license immediately because XXXX  requires two piece of mail along with my XXXX  DL and passport in order to obtain a drivers license. I bought a home in XX/XX/XXXX and provided a copy of my new drivers license to Capital One. These attempts resolve the issues as well as waiting for my new drivers license was the reason for the delay in filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. 
Company Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity has been compromised and left unknown accounts on my credit file.These accounts are obviously derived from identity theft. Pease remove the following accounts.

1 ) Dept of ED/ XXXX   {$11000.00} 2 ) Dept of ED/ XXXX {$6800.00} 3 ) Dept of ED/ XXXX {$12000.00} 4 ) Dept of ED/ XXXX  {$5800.00} 5 ) Dept of ED/ XXXX  {$10000.00} 6 ) Dept of ED/ XXXX  {$4500.00} 7 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: Financial Credit Service, Inc.
State: SD
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Company called ARA left a message on my phone stating that they were filing XXXX counts of fraud against me for a pay day loan that I defaulted on. The loan is 3 years old. I got scared and returned the call and gave them my bank account number in order to stop any proceedings. Is this legal. The contact number is XXXX extension XXXX. Spoke with a lady named XXXX. I am saving the phone message.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: United PanAm Financial Corp.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
Vehicle was a volunteered repossession and was declared in a Chapter XXXX Bankruptcy proceedings. This company is FRAUDULENTLY reporting on my credit report as an active account and this account has been closed for at least 5 or more years. Company is trying to FRAUDULENTLY INDUCE myself, a real living man, to make payments on a repossessed vehicle, as if I'm still in possession of the vehicle with a FRAUDULENT CONTRACT in which my name in CAPITAL LETTERS is the debtor. I am not the surety for this name in CAPITAL LETTERS!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened the account on XXXX. 
Received a direct deposit on XXXX. 
Still have not received the {$400.00} bonus yet. 
Have already contacted the customer service. No response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XXXX of 2022 Bank of America closed my business banking account and there was a deduction of {$15000.00} with a note saying " Account Closing Transaction ''. I scheduled an appointment with Bank of America on XX/XX/XXXX to figure out why there was a deduction from my account and where the funds were at. I met with XXXX XXXX in the XXXX, Utah location. I spent a couple hours with XXXX on the phone with different departments and we spoke with someone in the recovery department XXXX and they said that the account was closed and the account closing transaction was Bank of America sending me the balance in the account via check. I told them I never received the check and they said they were going to cancel that check and send a new one out that day and that I would receive it in 10 business days. I waited the 10 business days and still never received a new check. I called the XXXX provided above to figure out what was going on XX/XX/XXXX and spent over XXXX hours on the phone, I was transferred multiple times and they told me a check was never sent out and my account was under review. I asked if I could speak to a manager and they sent me to XXXX when I asked him if I could have his employee number, last name, email, direct line, etc.. he said no, that they don't give that information out. He said he would put a note on my account and I would need to call the XXXX number back in XXXX business days to get an update. I asked if someone would be contacting me and he said no, I would need to call in. I emailed XXXX on XX/XX/XXXX telling him what was going on and received an email back on XX/XX/XXXX, I responded back the same day and haven't heard anything since ( see attached ). I'm sick of getting the run around. They are holding my $ XXXX without any reasoning and I want my money back. They are also saying I now owe them {$1000.00} because my account has been overdrawn for months. This message was sent to me on XX/XX/2022 and it was the first notification I received for my account being overdrawn. There is a huge miscommunication. I told them I would be happy to pay the $ XXXX but I want my $ XXXX back first.

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 2022-07-25
Company: AMERICAN EXPRESS COMPANY
State: AZ
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: Card was charged for something you did not purchase with the card

Complaint:
Recurring charges on my American Express credit Card. Called A.E. my cards was being charged by XXXX for computer security that I never had knowledge of. I requested to cancel my card. A.E associate asked me not to cancel but he would report it stolen. He assured me this would never happen again if I received another card with a different card account number. Well, a few months later another charge form XXXX ( Computer Security ) I never had no knowledge of on my account. When I called A.E. again they told me they do it as a courtesy! Come to find out this has been the third year for this charge. I have never purchased XXXX or XXXX in my life. Pay all my purchases except the XXXX Charge and closed my Account! They got me for over {$400.00}. I told them NO more after the first call!! And they did it AGAIN after I said NO!!!! American Express reported me to the Credit Bureau. I had an American Express XXXX Card close to 40 years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-12
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I formerly had a loan with Ocwen mortgage. They have reported on my credit report that I was 30 days late in making a payment. I have called them multiple times to have it removed ... they do not ... I have been promised calls back ... I have not received any. 
The issue occurred in XX/XX/2015. They had just completed an escrow analysis ... it was incorrect. I had just switched insurance ... they were assessing my escrow account as if I were paying both insurance companies ... I called them to correct it ... and to let them know they actually owed me money. I received the usual run-around from them ... and their call center in XXXX. During the dispute, I called and told them that I was not going to be paying the additional amount because of the faulty escrow analysis ( about {$90.00} per month ) ... because this problem should n't have persisted so long ... and, that they owed me nearly {$2000.00}. Finally, in XX/XX/XXXX everything was resolved ... they sent me a check of nearly {$2000.00} and reduced my payment ... it took several months to rectify. It is almost unbelievable that they are now stating that I was late greater than 30 days ... for {$90.00} ... when they actually owed me {$2000.00} at the time ... and, the fact that they wo n't remove it ... and, I am unable to speak with anyone in this country with authority ... ridiculous ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-18
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Our XXXX pontoon boat loan was sold to Santander Consumer Services. We paid the boat off on XX/XX/XXXX. Got the pay off paperwork and a letter telling us they lost our title and we need to go absorb the cost of the replacement. When I called them they have told us for 2 months now they will get the title and they have yet to apply for our title with the state to begin with. So the papers the present to us would do us no good as they never applied for the title. They also told us it was the state that just didn't send them the title when they then admit they never applied for it. We need the title for our records if we ever decide to sale the vessel.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: Experian Information Solutions Inc.
State: OH
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:
My name is XXXX XXXX XXXX I have addresses on my credit profile that are not mine. I live at XXXX XXXX XXXX, XXXX, OH XXXX My SS Number is XXXX and my DOB is XXXX. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 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 2019-12-27
Company: EQUIFAX, INC.
State: OH
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:
My name is XXXX XXXX XXXX I have addresses on my credit profile that are not mine. I live at XXXX XXXX XXXX, XXXX, OH XXXX My SS Number is XXXX and my DOB is XXXX. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-12
Company: Merchants' Credit Guide Company
State: AZ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX University is a ripoff I would like to discuss a situation dated XXXX XXXX to XXXX XXXX in regards to a term I wanted to do a setback on not withdrawl just a holding period in which not to withdrawl funds of any kind from fasfa, it turned against me unfairly by my student advisor, I repeatedly asked this person to not withdrawl me from the term I just needed an emergency family leave for a couple of months to be placed on a hold. Next I received a bill in the amount of approx {$130.00} of a balance owed for XXXX session within that that term to which I have not taken. Plus they pulled with non authorization from my student loan account. I tried contacting over and over spoke with this person one time. Nothing has been resolved they are a private instituion in which want to bank all profits no matter what the cause. They state clearly they would do whatever it takes for students to succeed and give back where needed to continue your career goals. Well I amongst others find this to be very misleading upon other allogations. So after emails and a written letter sent to the main office in XXXX, IL to the student dean I have heard nothing, all I got was repeated bills sent now owing {$800.00} with no explanation as to why? I refuse to pay a high price for misguidance and misleading information and fraud on obtaining funds from Fasfa. I am almost upon graduating and from what I have recieved from the FTC already was a refund check of a small amount in a settlement some others students had file all being seniors and close to graduation the same things happened that are going on with my status. I even tried to resolve coming back to finish guess what nobody wants to assist my status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: J. Mark Heldenbrand PC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Recently, I received a letter demanding an unknown amount of {$3600.00} be paid on an old account that was vacated as paid in 2013 for the same account. This letter provides false information as a threat to issue a judgement.

Under law a matter can not receive a double judgement for the same account. This would create multiple judgments for the same account known as Res Judicata. My consumer rights have been falsified with improper information and unnecessary threats to harm my credit. I request a complete investigation into this matter.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions 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:
n accordance with the Fair Credit Reporting act 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 explanation
Consumer complaint received 2022-07-25
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Following a massive mess when doing a planned system update, my BJs Perks account with Comenity Bank did not reflect my payment of {$900.00} - made several days prior to the due date. I sent a message to Customer Service and received no response. Subsequently, I was incorrectly charged a late fee and interest. I called Customer Service, which was of no help, telling me to check back in a few days. 

I have seen many, many stories similar to mine posted on social media, all finding no relief or resolution. Comenity needs to be held to account and repair the errors to customer accounts ASAP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-08
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen has the new payment wrong ( was interest only and principal payoff is starting now ), admits the mistake, but wo n't send a new statement with the correct payment. We 've wasted XXXX hours on the phone with their XXXX call center who keeps passing the issue around in circles. They have a payment based on 5 yrs rather than 15 yrs as per the loan docs. They realize this is wrong but XXXX ca n't seem to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: SinglePoint GI
State: FL
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:
This collection account is not mines. I asked for Verification that there is a valid basis for claiming I am required to pay the current amount owed from the collection company to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX. In accordance with the Fair Credit report Act XXXX account 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 is also states a consumer reporting agency can not furnish an 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 2019-12-19
Company: BBVA FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
ON XX/XX/19 I attempted to deposit cash into 2 separate XXXX ( XXXX  XXXX XXXX XXXX XXXX XXXX ATMs. Both times the ATM displayed an error message stating " transaction can not be completed '' and the ATM did not return my cash out of the machine nor did it provide a receipt. I contacted my financial institution " Simple Bank '' and XXXX. XXXX is requesting a Regulation E dispute form be sent to them from Simple Bank. Simple Bank is refusing to do that and stating " You just need to work that out with the owner of the ATM ''. XXXX is refusing to do anything else until Simple Bank sends over the documents. Meanwhile I'm out my money and I can't get it back.

Company response to consumer: Closed with explanation