BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-08
Company: Genesis FS Card Services, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting Act CB Indigo act # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Payment due date of XX/XX/2023 In the amount of {$310.00}. Due to financial issues and it being the holiday time, I was unable to make my payment on the exact date of XX/XX/2023, I made the payment on XX/XX/2023 - EXACTLY 28 DAYS LATER. Citizens Pay is reporting me 30 DAYS late with XXXX XXXX XXXX AND 60 DAYS LATE WITH XXXX. I have disputed this XXXX  2023 30 day late payment a total of EIGHT TIMES. Each time, Citizens Pay verified all information as correct and the account was unchanged. Per the FCRA, an account can not be reported 30 days late if it is in fact not paid after 30 days! I have written in to Citizens Pay, to no avail, I have sent an email to the Vice President of the company, to no avail. No one is doing anything. 

The erroneous reporting of this 30 DAY LATE FOR XX/XX/2023 caused me to be turned down for a newly built home with XXXX XXXX XXXX!!!! As a single mother of XXXX children, renting a home in this terrible financial climate, missed my chance for a new home due to the reporting of this 30 day late for XX/XX/2023. 

Attached, you will find the XXXX statement from Citizens Pay- with proof that the due date was XX/XX/2023 ; I am also attaching a payment history statement from Citizens Pay showing my XX/XX/2023 payment being made on XX/XX/2023. I have also attached the letter from XXXX XXXX XXXX declining my opportunity for a new home based on the ONLY NEGATIVE ITEM ON MY CREDIT REPORT WHICH IS A 30 DAY LATE PAYMENT BEING REPORTED BY CITIZENS PAY FOR XXXX OF 2023 ; Lastly, I attached a current printout of the payment history for this Citizens Pay account from each credit bureau - XXXX showing 30 days late for XX/XX/2023 ; XXXX showing 60 days late for XX/XX/2023 and XXXX showing 30 days late for XX/XX/2023. 

Just because a payment is not made on the exact due date, that does not give you the right to report the payment as 30 days past due! The Late Payment calculator begins one day after the due date... For example : Due Date XX/XX/2023 : XX/XX/XXXX - ONE DAY LATE XX/XX/XXXX - TWO DAYS LATE AND SO ON AND SO FORTH ... ... ..... 
Again my payment was made on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I tried to speak with Capital One directly, i sent them a letter, they sent me an auto response, so i sent them another letter and they just sent me the same response. I would just like a different response in response to my hardship forgiveness plea. 

I paid off my Capital One Auto loan in XX/XX/2022. I had some issues with paying on time at the end due to a XXXX XXXX XXXX and a death in the family due to XXXX. I ended up paying off my loan with Capital One and moving forward in life, well trying to. The last late payment that I received in XX/XX/2022 really messed with my credit profile. I had no idea what to do, I tried a XXXX XXXX dispute, not because I was disputing the account but because I did not know that I could be forgiveness, which is what I am doing now. 


I know that the credit bureaus will report whatever information you give them and that they regularly go back and allow creditors to forgive late payments. I am not asking Capital one to forgive ALL my mistakes. However, if Captial One can find it in their heart to forgive just one, XXXX of 2022, it would mean the world to my family and I. We are trying to purchase a home and that late payment is keeping me from doing it. Two other creditors were so kind and already forgave late payments from that month. I am begging Capital One to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Im entering this complaint on the basis of Defamation of character frauds identity theft Knowingly and without lawful authority causing damages to my reputation excuses for making these accusations false claims and transferring my private and public information is unlawful without my written or authentication of original signature or document is required and if not provided is unlawful and against the rights of FCRA For me as a consumer Im requesting an opportunity to cure with original documentation of such misleading information about my private & public information. All inquiries need to be removed all charge offs need to be removed because they are income and income can not be reported on consumer credit reports. All original documentation should be presented after investigation anything such of copies are considered counterfeit in the law of the FCRA. 
They are in violation of several codes of the fcra the law states that no one company public or private have the right to report or fraudulent claims or information reporting to a consumer report damaging the reputation of a consumer report unless a written consent was obtained Defamation of character to my reputation and life.

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 2023-04-04
Company: CCF Intermediate Holdings LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX XXXX XXXX made a hardship payday loan XXXX but original amount was XXXX At least give me a chance to pay! I have been having hardship and struggling with Life itself! They harass me constantly, calling my job, my cellphone daily all hours

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 2023-08-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Im efforts to make additional income, I applied for a position and was contacted for an interview. The process seemed legitimate and since it was a remote contract work the company sent a check for covering equipment. This check was deposited into Wells Fargo account. The company for employment proceeded to say they set up a vendor for equipment since it will be loaded with company software and that I would need to send funds to the vendor. This did seem sketchy but as a fail safe I decided to contact Wells Fargo and confirm that the funds were legitimate and that money is mine. At this point, if the funds are truly mine what would I have to lose. After sending a few days of confirming with Wells Fargo and the funds were cleared i had to send money via wire transfer which failed, still contacted Wells Fargo through the process. The vendor requested XXXX, so this was sent. Then after sending funds, the check was no longer in my account and I was negative. From there it was obvious i was a victim of a scam. It was frustrating as I consulted Wells Fargo the whole process but once the investigation was set to commence, they closed the case within 24 hours and essentially said it was my problem, how could I have not known and it was my fault for Willingly sending a XXXX. I called to have the XXXX reversed but they didnt process it in time and now Im negative {$3600.00} even though I would not have sent it if the funds truly werent cleared.

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 2023-08-20
Company: OPORTUN FINANCIAL CORPORATION
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:
I signed up for an app called Oportun- formerly XXXX, in early XXXX. It is a highly rated and formerly reputable app. But they were bought ( thus they are now Oportun ) and apparently aren't doing what they should. It is a budgeting app, giving you a bank account and debit account and then you can pay your bills and auto-budget. However, they took my money, then told me they were closing my account with no recourse. This was after I put {$2000.00} in it and they sent me a debit card ( from 'XXXX  ' but provided through XXXX ). 
Since they told me, I emailed them asking them to return the money. They told me the only way was to dispute it. My bank will not dispute it, because I initiated the transfer. As such, they are not returning my money. They have no phone number, take a week to reply to emails, and only say to dispute the transaction. Their partner companies ( a loan company ) answers the phone but will not transfer the phone call or move the phone call up to their owner. Everything about this feels like they have no intent to return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
I was charged {$75.00} by XXXX XXXX XXXX in XXXX IL for a credit/background check for an apartment lease. My application was denied even though I know I passed the credit check and background check. The law states that if I am denied an apartment lease due to background check I must be told why so that I can correct the problem. XXXX refused to tell me why. I have a suspicion that the denial was because I was using a housing voucher. I have hired an attorney. In any case, the {$75.00} should be refunded to me because my application was denied and the company refused to let me fix the problem. 
I explained all of this to Bank of America when I called to dispute the charge. I was sent a letter telling me to provide documentation. There is no documentation, everything was done by phone or via XXXX application link. Furthermore, there is no mechanism to provide a written statement to BofA electronically. They are insisting on a paper copy being sent to them in the mail. I have difficulty writing. I can type, but I don't have a printer. I am XXXX and it's a real hardship for me to get to a place where I can get something printed. BofA is not willing to provide a solution for me. I have never heard of anything so antiquated. They have told me that because I can not send them a paper copy of my complaint I will have to pay the {$75.00}. One of the reasons I use credit cards is for the consumer protections. I had a dispute with XXXX a few months ago. They handled everything over the telephone. This makes me thing that BofA does not want to settle any disputes. They make it very difficult for the consumer to file the complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-15
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was a victim of a scam between XX/XX/2023 and XX/XX/2023 and during that time I reported my concerns to Venmo and my account was then frozen. I was asked to prove identity which I did in XXXX and then made one transaction to my XXXX XXXX XXXX company. My account was then suspended and I was told I violated the acceptable use policy I asked them how and nothing was said. I then filed a police report when I fully learned the scam I was a victim of on XX/XX/2023. The police told me to reach out to the companies I had used in the process and I did and now as a result they are stating I cant use Venmo. My family was not involved and my husband tried establishing an account and his account was then suspended as well and he was in no way involved. I want to establish a new account or have my husband be able to establish an account as we use this method to pay for our XXXX XXXX and its the only payment form used.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: AMERISAVE MORTGAGE CORPORATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I made an inquiry to refinance my home. My goal was to pay off debt and get cash out. I was on the fence and unsure I wanted the higher mortgage payment and higher rate. I was contacted by XXXX XXXX XXXX ID # XXXX by text. He was very aggressive in trying to get me to go through the loan process. On XX/XX/XXXX he texted me that my file was approved ( I had not done an appraisal at this point ). He stated on XX/XX/XXXX, " This will get you almost XXXX in cash out when you close. You would be able to pay your parents back XXXX, payoff your XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and your other smaller credit cards. Between your current mortgage and the above liabilities you're paying XXXX a month. This refi will cut you down and you would still have about XXXX in cash for home improvement or build up your savings account. '' I told him my house would appraise for about XXXX. He put on the loan documents that the value is XXXX. He NEVER stated that my house had to appraise at a certain amount to be able to get the loan and the items he promised. Because of his promises, even though I was still nervous and on the fence, I paid the {$520.00} and moved forward with the loan. I uploaded all of my documents in a timely manner and then the house was appraised. It came in at XXXX, which in my opinion is lower than what it should have been. I voiced this to him and he stated " It was still a win. '' He did not tell me that the loan was being approved at a lower amount and not meeting the goals HE PROMISED. I feel lied to. I had to ask him 3 times to cancel my loan and it was only cancelled after I spoke with a manager. I refinanced with Amerisave in the past and didn't have any issues. I am really disappointed you allow someone to be a loan officer that manipulates clients without being upfront. I am asking that my {$520.00} appraisal fee be returned because I never would have gone through with the loan if I knew it was all based on the home value.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: CCF Intermediate Holdings LLC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
This is the second time I have filed a complaint. Please reference complaint ID XXXX. Their response is that there are bad actors out there that send this type of collection letter and they are not responsible for that. Please address this again. I believe they are sending this threatening letter and are lying about it. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: BCA Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
At XXXX XXXX  EST I received a call from " XXXX '' who identified themselves as being from BCA financial services. They said they were looking for me for some information about my XXXX year old son Believing I was being contacted by a debt collector I asked XXXX if they were a debt collector and informed them that they were legally obligated to tell me if they were. They refused and told me they could only discuss further if I was willing to " verify '' ( this is neither legal nor the case ) I refused to provide the information they asked and so the phone call ended I called the office back at XXXX XXXX  on a recorded line and explained to the person on the phone what happened and that it was illegal. The person who received my call also refused to say whether or not they were a debt collector and repeated the statement that I needed to " verify '' for them to discuss further. I verified my name and birthday which they said was incorrect ( its not incorrect I'm just not the person they're trying to collect a debt from ) I asked again on the recorded line if they were a debt collector and they refused to answer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by Capital One Bank 's alleged attorney 's office via USPS claiming that I owed Capital One Bank {$8300.00} on XX/XX/XXXX. However, when I asked their attorney to verify the debt/amount due, they refused. I asked for the verification because in XXXX, Capital One Bank suffered a data breach that affected me as a customer, as I was told by XXXX of their representatives that someone opened an account under my name, and I believed the debt they claimed I owed is incorrect. Instead of verifying the debt, the law firm allegedly hired by Capital One Bank or the law firm that bought the alleged debt filed a lawsuit without properly notifying me with a summons. Upon my research of the law firm and their shady business practices, I decided to check court records and that's how I knew there was a pending lawsuit against me. As I retrieved the court documents and an affidavit produced by either the law firm or Capital One Bank, I used XXXX to identify the affiant and the notary public who signed what seems to be a false and robo-signed affidavit with two different companies. Now, doing further research, I see that XXXX XXXX XXXX was fined by the CFPB for predatory robo-signing practices and Capital One Bank along with their debt buyers are practicing the same fraudulent tactics that should be investigated, immediately! Attached to this complaint is an explanation for my claims against Capital One Bank and I am seeking monetary relief for damages as a victim of their shady business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2023 received the following emails addressed to me : 1 ) Bank of America asking me to verify email address 2 ) Bank of America informing me that my online application is in progress 3 ) Bank of America informing me that my application was approved On XX/XX/2023 received the following emails addressed to me : 4 ) Bank of America informing me that I am enrolled in online and mobile banking 5 ) Bank of America Welcoming me to online and mobile banking 6 ) Bank of America Welcoming me to mobile notifications on their Mobile Banking App. 

On XX/XX/XXXX, upon receiving these emails, I immediately contacted the Bank and informed them that I have not submitted any application online to open any account. The Bank closed the account. 

In my mail received the following from Bank of America related to the above account opening : 1 ) ATM Debit Card 2 ) Bank Statement for the period of XX/XX/XXXX to XX/XX/2023, showing {$0.00} balance. 
3 ) Account closure letter dated XX/XX/2023.

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 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Most of the hard inquiry and soft inquiry request on my credit report was never done by me by these companies that I never applied for no kind of credit or anything like that I called them and explained to them and they told me that they can not do nothing about it

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 2023-07-13
Company: HUNTINGTON NATIONAL BANK, THE
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have tried numerous times to close my account. The phone representatives tell me they will send a request to close the account, but it doesn't get closed and I get charged a $ XXXX monthly fee. Today, XX/XX/23, I attempted to call to have it closed and told the representative I would be filing a CFPB complaint if it wasn't closed. They reviewed the account and saw that the last request for closure was made on XX/XX/23. He said it hasn't been closed and after researching told me I had to email a branch manager that I would allow them to remove XXXX from my account so that they could close it. They said, otherwise, they won't be able to close it for a year, but would still charge me the $ XXXX monthly fee every month. I attempted to email the branch manager that the representative told me to email : XXXX. The email immediately " bounced '' back, the server response was : XXXX Remote Server returned XXXX XXXX RESOLVER.ADR.RecipientNotFound ; Recipient not found by SMTP address lookup ' All I want is to close my account, and I have spent several hours trying to do so. There is only XXXX reason to make it this difficult to close an account- the bank wants to continue charging monthly fees.

Company response to consumer: Closed with monetary relief