BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-20
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: Information belongs to someone else

Complaint:
I sent 4 written requests to each of the 3 credit agencies Experian, XXXX, and XXXX  to verify items on my credit report. 

In the results of each companies investigation and subsequent investigations, they stated in writing that they " verified '' these items and are being " reported correctly '' but did not provide me with any verifiable proof according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ). They have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) & under Section 611 ( 5 ) ( A ) of the FCRA. 

Letters were sent to Experian on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 XXXX  on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 XXXX  on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 Each letter was signed and sent with a copy of both my driver 's license & passport card.

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 2015-12-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
Last month I was approached by the local branch manager to use XXXX Wells Fargo 's products. I was not interested but after serval attempts I agreed to sit down and listen to what Wells Fargo has to offer. I purchased a house cash and was told to apply to a zero fee home equity loan@2.99 %. That sounded good and I proceeded although I really did n't want my credit pulled just to try, I was assured since I have a XXXX credit score and XXXX the loan amount in a savings account with Wells Fargo that this will be very quick and easy. It has been XXXX since I applied, I have spent more than 40 hours preparing documents sending documents and treated like I was a criminal. This has been the worst experience in my life!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My wife had set up a monthly payment towards an account that was paid off. My wiffe had passed away Monthly credits continued to build up. Once i discovered this i sent in her death certificate. They refuse to close the account and send me the credit still on the 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 2016-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Earlier this year I decided to open a bank account with Bank of America for my business. After opening a checking account I was told I could immediately start using the account for my business needs. After I started using the account everything seemed to be fine, if you weeks later I had a client purchase merchandise from me in which she paid for with a personal check. I had taken checks from this same client for years before so I did not think there would be anything wrong with the personal check. once I receive the check from my XXXX I deposit it in to my business checking account at Bank of America. A few days later Bank of America notified me that The check that I had to posit it was no good and they were going to close my account because it was so new. They also informed me that the funds that were in my Account at the time would be mailed to me in XXXX to 10 business days. After receiving my refund in the mail from Bank of America I deposited it into my personal account I have with my XXXX. About a month later I try to go open a business checking account at XXXX Bank and was told that I had a fraud reporting on my XXXX Report. After going through the extensive hassle of getting my XXXX report from XXXX they informed me that Bank of America had reported fraud on my account. I try to dispute the incorrect reporting information with XXXX but they informed me that only Bank of America would be able to change the information so I contacted Bank of America risk department and explain the situation they then told me they were not going to investigate the matter and that I would have to wait seven years in order for the incorrect information to fall off of my XXXX report. Not only is it unethical but it is also extremely unfair for Bank of America to abuse their abilities and calls me hardship. Not only is this deformation of character with my business but it is also preventing me from different business opportunities.

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 2021-01-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently disputed a discrepancy on my Experian credit report on XX/XX/2020. I received a response back from Experian indicating the following : The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
There was no proof from the credit reporting agency that anything was verified or how it was verified, however the documentation I have shows that in fact, the collection account is inaccurate and incomplete, which are grounds to have the account 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 2020-03-20
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have an American Express bluebird card. XX/XX/XXXX some how money got transferred to another account. They took XXXX that I got from my tax refund. I need help ASAP I have to pay bills take care me and daughter. The girl email and named shows on the transfer on my account. I checked XXXX took contact her she wrote a post basically saying that she had money and not sending it back. I HAVE PROOF THIS MONEY WAS IN MY SAVING I NEVERED MADE A TRANSCTION TO HER PLEASE HELP ME AND MY DAUGHTER!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I was a victim of debit theft. The person actually went to the atm and withdrew money out my account. My car was stolen in the time period between you dont have money and pay day. I really dont use my card to much then but to fill up my tank. So when I did call Bank of america I filed my claim. I told them my pay check is coming will you be taken money from my check. When the people stole my money they took my pay check money. So I went a whole week with out pay. I was reassure my money was safe. I am behind on bills. Bank of America took my whole pay check. I was able to take XXXX dollars out which was for bill but now in turn its for gas for the week. I am behind on my rent. I still will behind. Do you think a big Bank like that will help me out no. I am hurt and super sad. I asked the customer service representative if they will take money from me and she assured me they would not. 
When you file the claim you are guilty before innocent.

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 2016-11-30
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Myself and a family member opened up a joint checking account with Union Bank of California, now known as MUFG Union Bank, in 2002. The checking account was for the benefit and use of that family member. Subsequent to opening the account, that family member applied for and received a personal line of credit affiliated with the account. That line of credit, while not technically an overdraft account per Federal Law, is an open-end credit account that includes the ability to transfer funds from that account to the checking account and fulfills an overdraft protection function. According to Union Bank, I am listed as a joint account holder of the line of credit account even though I did not consent to that line of credit application. According to Union Bank customer service supervisor XXXX, Union Bank considers me to be jointly and severally responsible for payment on the line of credit account along with that family member just by virtue of me having a joint checking account with that family member. Union Bank refused to provide any substantiation of my responsibility for the balance of this line of credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-01
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Issue: Overlimit fee

Complaint:
Hi, XXXX of my credit card charged deferred interest rate after 1 year of 0 % APR. In the beginning they said 2 year 0 % APR and later the later they said 1 year 0 % APR and at the end of 1 year of promotion. They charged around {$1900.00} as interest in my balance as deferred interest. Can they charge that high as deferred interest? I have never heard of it. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-14
Company: Westlake Services, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Went to a dealer, who unknowingly raised the price of the vehicle for about XXXX on me after I had given them a XXXX down payment in the vehicle. They knew I was XXXX cause my income is XXXX, I just went through a bankruptcy in 2019, and had a low credit score. They happily told me I was approved and quickly had me in finance to sign paperwork. So excited that I actually got a loan, I quickly signed. Not realizing the dealership raised the price of the car they listed it for for the amount of my down payment I just paid them for a down payment of the XXXX loan I thought I was getting. The loan was actually for XXXX. I tell the finance company this and they want proof of what the dealership listed it for, which is no longer in the internet. The dealership tried to charge me for taxes and tags again when they had it in the loan. XXXX XXXX who I financed the car from will not investigate this dealership or help me. Im on limited income of XXXX a month XXXX and my monthly car payment is XXXX a month. I need help!! The car dealership is XXXX in XXXX XXXX PA. The finance company they used to give me the loan is XXXX XXXX. XXXX XXXX told me that the dealer can raise the price well over blue book value if they want.

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 2021-01-14
Company: Factor Trust
State: TN
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 disputing information found exclusively on my Factor Trust credit report. I received my credit report from Factor Trust and found several errors that are a result of identity theft. I have attached a copy of the dispute to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: Revenue Enterprises, LLC
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This letter is being sent to you in response to the above reference account that Revenue Enterprises LLC has reported and listed on all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and Validation is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " Validation '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against Revenue Enterprises LLC for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
The FCRA provides consumers the right to opt out of prescreened credit card offers, which I did, many years ago. Comenity Capital Bank failed to honor their obligations under the act, and sent me a credit card offer for a XXXX XXXX & XXXX credit card. 

Attached is a copy of the mailing for your inspection. 

Please have Comenity Capital Bank immediately cease and desist from such mailings.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: MoneyLion Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have been using this card perfectly for a few months, I went to to XXXX XXXX on XX/XX/XXXX on XX/XX/XXXX I tried to use the atm, to get money it did dispense any money, I tried again on the XXXX of XXXX and had the issue, I continued to use my card, perfectly fine for the weeks to follow, I filed a dispute for the charges and submitted the dispute form and supporting documents for my claim to XXXX. even after I filed the dispute my account was working perfectly fine, on XX/XX/XXXX I I tried to use my card, and it wasnt working, so I started a chat with a representative at money lion I was advised that I had to send my state ID and a utility bill as they wanted to verify my identity, I complied with there request, today I get an email at XXXX say that my account is being closed due to unusual activity on my account, there was no issue with my account or unusual activity until it was time for my account to receive a provisional credit for the disputes, my account was not closed due to unusual activity, but because they did not want provide the provisional credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Empowerment Ventures, LLC
State: MA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
Monies were unavailable for nearly two weeks. In addition, after finally being able to login to my account yesterday, the balances do not make any sense and there is money unaccounted for. There is no pending activity but I should have {$300.00} more than is in the account. I am also missing two direct deposits that occurred during the time. Customer support has not been helpful. I was on hold for hours and also sent a letter. I was told that there was " nothing she could do ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-10
Company: Ad Astra Recovery Services Inc
State: OK
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
Upon pulling a credit report I discovered this account and have written XXXX separate disputes between XX/XX/XXXX- XX/XX/XXXX. I have received two letters back showing original creditor and amount owed without proof of account such as identification or signature that belongs to me. Upon calling today XX/XX/XXXX I spoke with XXXX different representatives and still no resolve. I refused to verify any information due to the account not belonging to me. I also repeatedly asked for the procedure that I need to follow to get his taken care of. I was told that I could not be helped unless I was willing to verify my identity. I was also hung up on after trying to get the proper information for 14 minutes. This account is fraudulent and I have repeatedly expressed this to the company. At this point they have not helped me and this is something that is not only damaging my credit but also preventing me from purchasing a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I had my loans consolidated in XX/XX/XXXXwith XXXX when my son graduated college. I also enrolled in a 10 year Debt Forgiveness program because I was XXXX. After 2 years, I was nearing retirement age, but figured I had another 8 years to work because of the loan. At that time I owed roughly XXXX. While talking to a couple of XXXX representatives at two different times, they assured me that my payment would reflect my retirement benefits income which was significant less than what I was making. I was excited because that would afford me the opportunity to retire when I wanted to. Right before I retired, I called them one more time to make sure this was a possibility and I was told it was by another representative, so I pulled the trigger and retired. I sent in the appropriate paperwork to XXXX for an IRB. @ weeks later I received the amount I was supposed to pay each month, and it was significantly higher than what I had been paying. I was sick XXXX. I contacted them and they said I was not eligible for such a program because I had Parent Plus Loans. I retired XX/XX/XXXX and have not been able to make the payment but only a hand full of times. Navient talked me into a forbearance, not realizing and them not telling me that the interest would accrue, my loan is now XXXX. I have been misled so many time by these folks that there is no way I can ever pay off his loan and I struggle every month and it has me XXXX to the max. I pay my debts and always have, but I can not afford to pay this XXXX because of several XXXX/Navient misrepresentations. I tried to work with these folks many times on the phone, but they always mislead me and send me paperwork that actually raises my debt monthly payment. Can you please help me, I want to be able to enjoy my retirement for a change. I spent 33 years as a XXXX. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Cottonwood Financial Ltd.
State: ID
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received numerous calls from an unrecognized number. When I answered on the fourth attempt it was a robocall but it said my maiden name so I listened. It was very vague, did not give a company name or any details but said that my credit was going to be affected if I did not settle. I called the number and a gentleman answered. He did not give company name or any information and started verifying my name, DOB and social. He said he had a copy of my drivers license and bank information. He said that I had taken out a loan through The Cash Store. It was confusing and he wasn't answering my questions so I just said, I filed bankruptcy so if this was mine, it should be covered under that. He said payday loans aren't always covered under Chapter XXXX bankruptcies because the company gave me money so I can just settle this with him now and be done with it. It all seemed very strange so I called back and a lady answered the phone but was extremely rude and aggressive and refused to tell me what company it was. I continued asking to know what company it was or for a statement to be mailed and she said by law she doesn't have to give me any of that information and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: Caliber Home Loans, Inc.
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had an escrow account with Caliber Home loans and I am disputing the amount. According to the XXXX treasurer office, since my BK 11 confirmation date the servicer had only paid a total of {$8500.00}. My payment for principal and interest if {$790.00}. I made a payment of {$1200.00} on XX/XX/XXXX, which {$400.00} went to past escrow,, I made a payment of {$1200.00} on XX/XX/XXXX which {$400.00} went to past escrow,, Another payment of {$1500.00} was made on XX/XX/XXXX, {$700.00} went to escrow and another payment of {$1500.00} on XX/XX/XXXX, {$700.00} also going to past escrow. 4 payments totaling {$2200.00} should be deducted from escrow. Past due escrow {$8500.00} minus {$2200.00} should be {$6300.00}. 
Caliber sent me a letter stating the following : Please note, as indicated in our XX/XX/XXXX response, the loan was converted back to a non-escrowed loan and the escrow collection is no longer in effect. Since the remaining escrow balance of {$8300.00} was converted to an Ancillary Fee, there is no balance reflecting in your escrow account at this time. Also to note, Caliber received a payment on XX/XX/XXXX which credited {$400.00} towards the Ancillary Fee balance, leaving {$7900.00} as the outstanding Ancillary Fee balance In addition,, I have sent the XXXX payment of {$1200.00} and I paid the XX/XX/XXXX taxes today in the amount of {$400.00}

Company response to consumer: Closed with explanation