BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-18
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
So Venmo took my money/ froze my account today. For no reason didnt receive an email which is my right and the law, if my money is going to be withheld! I never had issues before until recently. Its like when people are receiving money then they want to take it! 

I drove two hours yesterday with Barely no gas and no money, to do a friend a favor on XXXX by painting her kids face for a party. She gave me some money. And I transferred to my other account, but decided to keep it in my original Venmo account to use the debit card for gas to make it home today I go to use my card and its declined. So im like ok my card must be locked. Go to unlock and try again. DECLINED.. so I say ok let me transfer to my bank and use my bank debit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-12
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
U.S bank denied to refinance my current loan because they were " Unable to verify residence '' despite providing a XXXX and an approved XXXX. I currently have an FHA loan that originated with my brother who is a Permanent Residence. I ca n't refinance with my brother now due to his poor 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 explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
A hard credit inquiry from XXXX XXXX using my name spelled incorrectly and my address was made on XX/XX/2022. Both XXXX XXXX and TransUnion were unwilling or unable to assist in removing the fraudulent inquiry

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 2020-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2020, I called Kohl 's to find out what the pay off on my account would be. Unfortunately, I had been delinquent in payments due to divorce finances. I spoke to a Kohl 's representative who removed some late charges and told me the new balance. The representative took my payment over the phone via my debit card. To my disappointment, I discovered Kohl 's had charged me a {$1.00} on my account despite the payment of {$1300.00} being payed immediately to the representative over the phone. I discovered when my credit report that Kohl 's showed an outstanding balance of {$1.00} that was now showing 90 days delinquent. On XX/XX/2020, I called Kohl 's financial services and spoke to both a representative and supervisor. A case was opened by Kohl 's to investigate this {$1.00} discrepancy. On XX/XX/2020, I followed up on the investigation with Kohl 's. When I called the automated system told me my account balance was {$0.00}. The representative I initially spoke with, told me the investigation was resolved and a letter was sent to me on XX/XX/2020. I explained the letter had not arrived and requested another copy be sent. I was told be the representative she could not send another one. I asked to speak to a supervisor. The supervisor told me the case had not been resolved and the first representative did not read the codes in the computer system correctly and that even though Kohl 's had " reversed '' the {$1.00} interest charge the case was still open and not resolved, therefore, they had not sent a letter saying they were in error. I requested to speak to this persons supervisor and was disconnected in the process and sent to the Kohl 's customer satisfaction survey. At this time, I have not received any documentation from Kohl 's admitting their error! This {$1.00} error on Kohl 's part continues to negatively impact my credit. I could sure use some help in resolving this issue. Thank you!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-21
Company: U.S. BANCORP
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I turned over my lease three months in a impeccable condition on XXXX, XXXX 2016. I got acknoledgement from dealer with odometer statement. I always paid my lease payment on time without even a single day being late for last three years. I returned car to dealer and leased another similar vehicle. The lease was with US Bank and made a call to them and understood the lease remaining four months {$850.00} to be paid. I paid to the dealer and dealer sent payment of {$1000.00} to the bank. Bank sent me a letter on XXXX/XXXX/2016 about additional money. The car was very clean and less mileage than contracted and kept the car with them for a month since I turned it over. They are still demanding additional {$200.00} to be paid. There was late payment of {$25.00} as additional where as I never missed a single payment even by one day. Its the bank that took almost two months to send me the ivoice after I turned the lease in with dealer on XXXX, XXXX 2016. This kind of untrusted and greed behaviour causing me lot of anxiety. We need some protection to make sure lease turning in should be as per process and within stipulated time. Not to wait after a month and half and sending additional extraction of money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Hillcrest Davidson & Associates
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This is a complaint because of the very unprofessional manner in which I was treated over a debt that I do not owe. I am a XXXX year old, XXXX female veteran. I received a letter dated XXXX XXXX, 2017 on  XXXX XXXX, 2017 claiming I owed {$1900.00} for an unpaid debt ( Attachment 1 ). I called the company and was informed they could not find my case and transferred me to the supervisor. When I spoke to the supervisor he became belligerent and downright nasty. He made it very clear to me that he did not care what the problem was or my health but that I owed the money and could afford to pay. In the middle of the conversation he told me everything I said was recorded. I was asked if I had checked my credit recently. The supervisor went through my credit and told me I had the money and could pay. There was enough on my my credit cards that I could easily afford to pay off the debt. He offered me 7 months to pay {$1900.00} and then he reduced it to {$1500.00}. When I did not agree he returned it to {$1900.00}. I told him I owed IRS and he said he did not care. He did not care if I lived or died because I could pay the bill. I told him that I had sent papers to the second company canceling the debt. He said I had to send in a letter 30-60 days before time was up and it had to be sent in by certified mail to get a response. This is not true nor is it in the original contract which states I can do business by phone and does not mention certified mail. I told him I had talked with the second company and he said it did not matter. I explained my original contract was for 39 months not 60 months and he still did not care because the account automatically renewed itself with no notification to me. He belittled harassed and dogged me over my credit. I felt intimidate and bullied. The company he represents took over the contract from another contractor and never notified me of the takeover or offered me a new contact with better service. I only knew of a different address when I made a payment and I wondered why they had not received my payment ( Attached 2 ). I continuously complained about the service I received and had not used it for over 2 years. The present company and I did business by phone which is allowed in the original and contract I have. I asked to cancel the contract which the present company finally acknowledged by phone by calling me to resend them a copy of the original letter because they lost it, which I did ( Attachments 3 & 4 ). Names are on the fax with whom I spoke. The present supervisor refused to accept or believe what I told him. I deserve to be treated with respect. I do not owe the bill because the present company corresponded with me by phone. They called and asked me to send in the 2nd letter to cancel my contract after the date. They informed me my debt was cancelled by phone. No one told me I had to pay an outstanding amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Bread Financial Holdings, Inc.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a contract with XXXX XXXX. I am not responsible for the collection for the debt with Comenity Bank. I am not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
My account was closed by the creditor during financial hardship and the account went on collection. I had sent out a letter requesting the form1099-C when the company charged off the debt with the IRS. By law the company is required to provide this form for all debts over {$600.00}. I never received this document. 

The company had sent me settlements but due to the negative report on my credit. I requested that i want to pay the debt and wanted to get the negative report removed because it is hurting my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: U.S. BANCORP
State: MO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My wife and I applied for a Home Equity Line of Credit ( HELOC ) with US Bank on XX/XX/XXXX. We used US Bank 's online service. We received an online response approx. XX/XX/XXXX with a welcome letter from XXXX XXXX from US Bank. The letter explained the process and required documents. Letter stated that XXXX would also be a contact for our loan. From approx. XX/XX/XXXX - XX/XX/XXXX we supplied req. documents to US Bank through their online platform and through email. Rec. information the HELOC was in the process on approval around XX/XX/XXXX. Never heard from US Bank for approx. 25 days. Emailed for a follow-up with XXXX on XX/XX/XXXX and rec. no response. Talked to XXXX on XX/XX/XXXX and XXXX stated the our HELOC information had been lost or can not be found. We would have to start the entire process over again. I told XXXX that I did not want to start loan process over. 
I emailed XXXX on XX/XX/XXXX, with information that our loan was showing " in-progress '' on US Bank website. Asked XXXX again if we could proceed with loan. Asked for follow-up and never rec. response back from XXXX A couple of concerns : 1. What happened to our sensitive document information that was sent to US Bank? Was our security compromised? 2. Could we have been discriminated against, for some reason? 3. Some of the worst customer service I have ever experienced. I want answers from XXXX and US Bank as to what happened with the process and our information. I feel and experienced that XXXX/US Banbk literally did not want our business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Bank of America file false insurance claim and cash insurance check with my name on it without my approval or signature. Bank of America claimed a property was vandalism on XX/XX/XXXX. A tenant was in the property and this is NOT true. They claim a window, door, deadbolt lock, ac, dishwasher, and light fixture. It 's never been a dishwasher in the property there is no space or connection for a dishwasher. They made the claim in XXXX because they new I had insurance in XX/XX/XXXX and this is the last date they could make a claim. They have no report to verify this claim. They are doing this on many property. I 'm aware that they did it to someone else as well. I surrender the property in a bankruptcy. They did n't take possession of the property until XX/XX/XXXX. Bank America Foreclosed on the property and then filed a report for the last date of my policy. Bank America is making false claim on property because they know that the average home owner will never know. Bank of America did n't have possession of the property until XX/XX/XXXX. They gave the tenant cash for keys in XXXX. This is a false claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I have had my loans since 2004 and was told at the time that they should be paid off in 10 years and I still have more than {$5000.00} left on the loan that was only a little over {$10000.00} I attended XXXX XXXX which is no longer in existence

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I am making a formal complaint against employees at the Bank of America Branch in XXXX XXXX XXXX XXXX. This was a bank I used to frequent but due do recent events I stopped going unless I had to.There have been at least 4 or 5 occasions where I came in to get help with an issue and was unsuccessful.Instead of getting help I got a laundry list of excuses of why they could n't or would n't I should say.Not to mention the attitudes of the employees there ( Especially the branch manager ) stink.There have been times where I 've seen some of the employees casually standing around or chit chatting among themselves while they have a long line of customers only leaving XXXX or XXXX tellers to deal with the frenzy.For the record I am not the only one who has gotten irritated by this as I can hear other customers at the branch complaining about the exact same things. Keeping in mind they boast about having excellent customer service but clearly have no interest in servicing the customer. It should also be noted I never have gone through as much of a hassel with any of the other BOA branches.

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 2022-04-18
Company: Experian Information Solutions 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 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 2022-04-18
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, I reviewed my credit profile and Saw an unknown DUPLICATE medical Bill from XXXX  XXXX XXXX XXXX XXXX XXXX I have not been to the hospital at this place nor am I liable. Keep in mind I have Medicaid insurance so my medical expenses are always paid in FULL. I have yet to receive any validation letters from the creditor and the credit bureaus are also ignoring my request. I have obtained an FDCPA lawyer to handle it from here because I don't know what else to do. I know it's against the law to ignore a consumer 's request. I have yet to receive a method of verification. This makes me angry because my credit score is being impacted!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
When I returned to school to earn my XXXX, I called XXXX ( now Navient ) to lower my payments. They recommended in school deferment, which I accepted. After XXXX years, my repayment amount had increased by thousands. I was n't made aware at the time that there were other ways to reduce my payments without incurring so much interest. 

In addition, when I got married my bank account information changed. I used to have XXXX monthly payments that debited from my savings account. With the joint account, Navient started charging each loan payment separately, over using my savings account and prompting bank fees. I tried for several months get service assistance to switch me back to XXXX payments. Each time I called, I waited over XXXX minutes to reach a human being. When I finally did, it took XXXX different calls with different people to actually make change and get it to stick. I 'm down to XXXX payments rather than XXXX, nobody can explain to me why they ca n't condense the last XXXX payments into XXXX, and I 've given up. 

Having such awful response time and customer service seems to be how Navient does business. They waste customers ' time and wear us out until we 're willing to tolerate only the minimum of assistance. 

I had my XXXX loans serviced by XXXX and they were AWESOME! Helped me through the process of applying for XXXX even though it meant those loans going to XXXX. I 've tried to get Navient to similarly assist me in rolling over my consolidated federal loans, but the XXXX day I had time to wait XXXX minutes for a person, they seemed to have no idea what XXXX was, much less how to get my loan into the program. 

If I thought I could give all of my remaining loans to XXXX I would, but nobody seems to know how to make that happen or how much it would cost or what my rate would be. I 'm scared of losing the ground I 've gained, but I 'm also spending the bulk of my income on loan repayment. Help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
It appears the debt attached to the XX/XX/XXXX Deed of Trust associated with my account may have been sold multiple times between XX/XX/XXXX and XXXX, and not through a Trustee 's Sale at public auction as represented to me and the public by Bank of America and their named Trustee, XXXX XXXX XXXX XXXX ( XXXX ). This deliberate action amounts to fraud ( a knowingly false representation ) on a mortgage, Deed of Trust, or real estate and property and possibly Racketeer Influenced Corrupt Organizations ( RICO ) Act violations as prohibited by law. 

While Bank of America through XXXX caused to be recorded at least one Trustee 's Deed the next business day following Trustee 's Sale at public auction according to county records, Bank of America, through Trustee XXXX, took eleven ( 11 ) days to record a Trustee 's Deed related to my property after the day of auction and sale without explanation as to why such a delay occurred. On the face of it, the reason appears to be the withholding of the recording of a public document until a named bona fide purchaser ( BFP ) XXXX be had and named within and on the Trustee 's Deed, an official public document, thereby attempting to avoid any appearance of unlawful activity related to a mortgage, Deed of Trust, or real property. 

It is to be noted Bank of America has no authority to begin foreclosure and property separation processes while the modification process is pending, as a matter of law. 

All applicable Acts and other regulations, statutes, guidelines, and rules of law. 

All previously mentioned resolutions are desired and mandatory.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
The only address on my credit report should be XXXX XXXX XXXX XXXX, Texas XXXX. The other addresses our my son XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: MD
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:
according to The Fair Credit Reporting Act these listed accounts has violated my rights of privacy and the Consumer Reporting Agencies are complicit. 
account # XXXX XXXX XXXX XXXXt # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX frontline as 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 states a consumer reporting agency can not furnish a account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
according to The Fair Credit Reporting Act these listed accounts has violated my rights of privacy and the Consumer Reporting Agencies are complicit. 
account # XXXX rXXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX frontline as 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 states a consumer reporting agency can not furnish a account without my written instruction

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