BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-12
Company: ERC
State: TX
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:
I sent a letter out XX/XX/XXXX to XXXX, XXXX, and XXXX is my tracking number XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back.This is not making any sense. According to the law 15 U.S. Code 1681i- Procedure in the case of disputed accuracy.If the completeness or accurancy of any items of information contained in a consumer 's file at a consumers reporting agancy directly, or indirectly though a reseller, of such dispute, the agency shall, free of charges, conduct a resonable reinvestigation to determine wheter the disputed information is inaccurate and recored the current status of the dispute information, or delete item from file in accordance with paragrah ( 5 ) before the end of the 30 day period beginning on the date which the agancy recived the notice od the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
I sent a letter out XX/XX/XXXX to XXXX, XXXX, and XXXX is my tracking number XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back.This is not making any sense. According to the law 15 U.S. Code 1681i- Procedure in the case of disputed accuracy.If the completeness or accurancy of any items of information contained in a consumer 's file at a consumers reporting agancy directly, or indirectly though a reseller, of such dispute, the agency shall, free of charges, conduct a resonable reinvestigation to determine wheter the disputed information is inaccurate and recored the current status of the dispute information, or delete item from file in accordance with paragrah ( 5 ) before the end of the 30 day period beginning on the date which the agancy recived the notice od the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My 1st problem is I wasn't able to attend my graduation ceremony and the school which was The XXXX XXXX XXXX XXXX. At the time and I never received my diploma or anything showing I completed my XXXX XXXX course I was told they would mail it but it never came I also was struggling with addiction so I wasn't making payments they took it from my taxes at the end of the year and it was almost paid off now I'm receiving a bill saying I still owe but I know I only had about {$300.00} left to pay off also where is the grant money that was left after paying the school tuition because there was money left over I am going to dispute this because something is not right and most importantly I NEVER EVEN RECEIVED MY DIPLOMA OR A CERTIFICATE SO I COULDN'T GET A JOB IN XXXX IF I WANTED TO

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Inquirys delete and remove asap. These are not my inquiries Im tired of keep calling theses companies asking them to remove these inquiries n companies wonder why I put fraud alert on my report XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX

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 2023-07-28
Company: BARCLAYS BANK DELAWARE
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
On XX/XX/2023, I applied for financial hardship assistance through the Barclays US website where I have a credit card account. In the past sixty days, I have endured {$17000.00} in unexpected house expenses ( new HVAC system and a major plumbing issue ). On XX/XX/2023, I received an email from Barclays that stated I was eligible for assistance. I went to their website, signed into my account and read the offer specifics. I was very pleased with the offer and checked the box agreeing to the terms of the offer. When moving to the next page to schedule the payment, an error message appeared and said for me to call a specific number to finish setting up the assistance plan. From XX/XX/2023 to XXXX, I talked to five different Barclays customer service people, none of which could figure out the issue. One of the associates I spoke to on XX/XX/2023 placed me on a ten+ minute hold and then told me he had everything all set up and that I would see the changes on my online account on XX/XX/2023. He lied to me. When I checked my account on XX/XX/2023, it was the same as always so I called again. This person informed me that an error had been made, that I should not have received the offer for a long term assistance program because my account was not past due. I am devastated at this and feel that Barclays should honor their offer. I am attaching copies of the initial email I received and screenshots from my account that shows their offer.

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 2023-02-24
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted Equifax, XXXX and XXXX several times about this issues the inquires on my credit from XXXX  XXXX and other unauthorized inquires in 2021. I have recently sent a letter again about this problem certificate mail. All they offer me was a {$1.00} trial to monitor my credit. They also inform me that I was apart of a breach. Thinking they would help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had closed an American Express Account ending in XXXX in XX/XX/2023. The reason was they wanted {$700.00} for an annual fee to have the card. I have been paying the remaining balance off and used their Mobile App on XX/XX/2023 to pay the " Total Amount '' indicated, XXXX as confirmed in my bank register XXXX info : ORIG CO NAME : AMERICAN EXPRESS ORIG XXXX XXXX XXXX CO ENTRY XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX IND ID : XXXX IND NAME : XXXX XXXX XXXX XXXX XXXX : XXXX ACH debit - {$1600.00} AMEX promptly notified me that the account was closed via E-Mail via their credit monitoring site hosted by XXXX. I've attached a copy of that E-Mail. 

Yesterday I received a notification that a payment was due, so looking into it again with the mobile app it said I owed XXXX for the same account. I went online through my desktop and I can't even see the account anymore, it's closed. According to AMEX this was for interest I didn't pay the month before. I paid the entire Total Amount indicated by XX/XX/2023 as indicated. 

Problem # 1, I paid the " Total Amount '' due on the due date. Why did I get charged the extra bonus interest in their favor? Especially since their credit reporting site says the account is closed?!? 
Problem # 2, Mobile App says one thing, you owe us {$21.00}. Desktop Website says nothing. Would the real amount owed please stand up?!? I can't rely on their technology to tell me the truth. With more and more companies forcing " electronic statements. '' I can't trust AMEX to be honest about what's owed and why. Online on my desktop, I see one thing, and on their mobile app another. 
Problem # 3, If I hadn't paid the account off why did XXXX know the same day that I had? That makes no sense. 

I don't mind paying interest, that's part of the game but AMEX in this case is out of line charging me extra interest on a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Today, I am filing this CFPB Complaint to notify you that I have fallen victim to identity theft. After doing some research, I learned that I must contact the FEDERAL TRADE COMMISSION or visit https : //www.ftc.gov to file a report. According to section 605b of the FCRA, Credit Reporting Agencies are mandated to delete all accounts and information listed on an ID THEFT REPORT. Upon receiving a copy of my credit report, I was alarmed to discover that there are numerous accounts that I did not open nor have any knowledge of. Please find the ATTACHED documents to help in blocking the erroneous information being posted on my report. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. I affirm that I did not open any of these accounts or give anyone permission to do so on my behalf. I am convinced that this is an identity theft case, and I am taking measures to report this to the authorities. According to FCRA Section 605B ( a ), CREDIT REPORTING AGENCIES should block any data in a consumer 's file that the consumer identifies as information arising from identity theft within four business days of receipt.

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 2023-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I bank with Bank of America and apparently the other bank involved is XXXX XXXX. There was an unauthorized XXXX transaction of {$500.00} pulled from my account to a person I do not know. I called the fraud department and told them what happened, and they offered a promising message that I would be able to get my money back. Days later I received a message on my account saying that the claim was denied because it was on a device used in the past. I was unaware and did not authorize the transaction. The legal definition of fraud is " the intentional use of deceit, a trick or some dishonest means to deprive another of his/her/its money, property or a legal right. '' The bank should have no authority to redefine the legal definition to avoid honoring their commitment to the consumer. I took it upon myself to reach out to the individual on XXXX whose information was detailed in the XXXX transaction, and they said that they were hacked and they got their bank to freeze their account ( Screenshots attached | I should not depend on someone else 's bank to fix this if I am the victim ). The paper trail should clearly show that I was frauded from a compromised and fraudulent account. I don't feel like Bank of America is really listening to me or trying to understand what happened and instead pushing aside my complaint that clearly shows I was frauded. On XXXX 's website it states that : " If someone gained access to your bank account and made a payment with XXXX without your permission, and you werent involved in any way with the transaction, this is typically considered fraud since it was unauthorized activity. If someone gained access to your account, and stole money or sent it without your permission, this could be defined as fraud. Immediately report suspected unauthorized activity to your financial institution. Because you did NOT authorize a payment, you are typically able to get your money back after reporting the incident. ''

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 2023-04-28
Company: EQUIFAX, INC.
State: PA
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:
Today, I am filing this CFPB Complaint to notify you that I have fallen victim to identity theft. After doing some research, I learned that I must contact the FEDERAL TRADE COMMISSION or visit https : //www.ftc.gov to file a report. According to section 605b of the FCRA, Credit Reporting Agencies are mandated to delete all accounts and information listed on an ID THEFT REPORT. Upon receiving a copy of my credit report, I was alarmed to discover that there are numerous accounts that I did not open nor have any knowledge of. Please find the ATTACHED documents to help in blocking the erroneous information being posted on my report. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I affirm that I did not open any of these accounts or give anyone permission to do so on my behalf. I am convinced that this is an identity theft case, and I am taking measures to report this to the authorities. According to FCRA Section 605B ( a ), CREDIT REPORTING AGENCIES should block any data in a consumer 's file that the consumer identifies as information arising from identity theft within four business days of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In XXXX, I was a victim of bank identity fraud. The Bank of America, which I have never utilized, allowed someone, online ( and clearly without identification ) to open an account in my name. I was told this is a new COVID policy. Considering everything has opened since the pandemic, I feel this is not a valid justification but simply a way for them be remain laxed in their security procedures. This person was able to obtain access to my social security number and opened an account with errors in my mailing address and with my name spelled incorrectly. When I learned of the fraud, I had to go through the trouble of freezing all of my accounts. I even obtained the services of an identity protection agency. It has required a lot of time on my part to try rectify this issue. I immediately contacted the Bank of America who said that the account would be closed. The following month, I received another bank statement. I called the Bank again and was informed the account the closed but a last statement may have been mailed. This past Friday - XX/XX/23, I received another statement. I just called and now I am being told that the investigation is still pending. They sent me a packet of forms they wanted me to complete with all of my personal information and which also required me to request personal documents from the social security XXXX. I told them that this should not be my responsibility since it was their lack of security which allowed the creation of this problem. Yet they now want me to spend additional time to request all of these documents with my personal information and send it through the mail. First, this is none of their business. They should not have access to all of my personal information. I am not even a client of this bank. Second, I am not comfortable sending this information through the mail when my social security number has already been compromised. In fact, this Bank has had issues with previous data breeches. Hence, why would I want to provide them with more information. They want more information to close the account than they required to open the account. When I called on XX/XX/23, I was on the phone for over an hour and spoke to multiple supervisors who will not tell me when the account will be closed. They are actually telling me if any transactions occur with this account, I could be held responsible. Today ( XX/XX/23 ) I received a letter sating they are refusing to close the account because I refuse to provide them with any more personal information. How can it take more time to close an account than it does to open one? Something is inherently wrong. I could really use some assistance in this matter and I believe their policies need to be changed.

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 2023-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
My BofA Visa card had fraudulent activity which included fraudulent payments made via phone payment to my account ( totaling close to $ XXXX ). I called BofA to alert them of the fraud and they reversed the payments. When the fraudulent payments didnt go thru, they returned the payments a second time. All returned payments were sent to the fraudulent account at XXXX XXXX. This activity occurred in XXXX of 2022, and since then Ive tried to resolve this matter on my own with no success. BofA closed the card due to the fraudulent activity, even tho Ive had the card without issue for 10+years ). I currently have a balance on my card with the amount of the returned payments ( which doesnt belong to me ). Since Ive had no luck resolving, and I refuse to pay as the balance is not mine, the amount is growing due to finance charges and late fees. Additionally, my credit score is being adversely impacted. Every time I call BofA, I spend hours on the phone being transferred back and forth between fraud and customer service departments because no one knows how to handle this BANKING ERROR, which is what this is now.

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 2023-06-12
Company: Servion, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
HI there, I have contacted representatives that did not give me my money back, a supervisor stating this is right to cover up the mistake which i asked for a manager and she never replied after two weeks, finally received a managers contact information emailed him XXXX left a voicemail with no reply after over a week. Lastly I called the customer service number asking for a manager and was told the manager was busy and would call me XXXXXXXX by the end of business last Friday and still no contact. 

I need your help to correct an issue one of your representative at servion made onto one of my payments which she should have done was applied the check amount of {$970.00} I received from servion to my monthly payment but instead she increased one months charges for the exact amount of my check and the following month reduced it for that same amount, I will be giving you a break down of this in details below but this needs to be fixed. 

I asked for my check to be placed on XXXX 's payment and how is it I was charged more for XXXX 's month. My regular payment is {$3800.00} the representative charged me {$4800.00} in XXXX charging an additional {$970.00} that I did not approve and giving me a lower amount of {$970.00} means in total I am owed {$970.00} still. 

Payment Dated XX/XX/XXXX : {$3800.00} regular monthly payment {$970.00} XXXX charge not approved by customer {$4800.00} Total payment Payment Dated XX/XX/XXXX : {$3800.00} regular monthly payment $ XXXX lowered amount {$2900.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-12
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I financed a XXXX XXXX XXXX XXXX through SANTANDER CONSUMER USAI have had several issues since I financed this vehicle with the dealership and SANTANDER CONSUMER USA. I have noticed a change in my APR without my authorization that was done by SANTANDER CONSUMER USA. I have requested the ORIGINAL LOAN APPLICATION and was told that it is against the companys policy to provide me with this document. I was told by XXXX employee ID XXXX that I have to get a court subpoena in order to obtain this document. I also was told a month ago that I needed to make 5 payments in order to be eligible for a deferment and when I called today XX/XX/XXXX to request a deferment XXXX employee ID # XXXX told me that I need to make XXXX payments in order to be eligible for a payment deferment. I asked for written proof of that policy and he told me that I need to get a court subpoena to obtain this document. He was very rude and spoke down on my intelligence of my ability to understand my contract.

Company response to consumer: Closed with explanation