BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have had a Home Equity Line of Credit with the Capital One Bank for 10 years. I have never missed a payment and was never late in 10 years. ( I have been with the bank for 31 years, have XXXX accounts and XXXX credit cards with them. ) The maturity date was coming up in XX/XX/XXXX and I was told to get into the bank to refinance the loan before the maturity date and give me an extension on the loan while I was in the refinance process with them. I did get in before the date and started the loan process. I requested the extension and the loan officer said we just needed to hurry up. I asked if there was an extension given several times. She said do n't worry about it, we 'll get it done. 
During the loan process I continued to make my payments on the loan as usual. To my shock the payments I made on the loan were accepted and then the bank returned the money to my checking account. What? The bank employees did n't seem that was so bad because we were in the process of a refi on that loan. 
I spoke with the extension department and was told I should have come in 4 days earlier or 2 weeks and I could have gotten an extension. 
To fast forward a bit, the bank says they will report non-payments to the Credit Bureau that I did not pay my loan and am 2 months late. Are you kidding? I have n't been late or missed in 10 years on that loan!!!! 
I called the corporate offices of this bank and was given no consideration for loyalty or good payment history. They were rude and told me I should have come in a month earlier. Yet, I did come in before the maturity date, that was the defining time. Now I find out that the time difference was only for their convenience, to collect some data that I know you can get in 1 or 2 days. And nothing has to do with me as a good customer. 
I have good credit and have no bad things on my credit. Now they are claiming they are going to report me as late on my loan and I have never missed a payment through the life of the loan. In addition I paid while in the refinance process. And have proof of this. This whole handling of this event is so unfair and absurd! Everyone I tell this to can not believe it. 
What can I do to not let this happen to my good credit that I 've worked so hard for? Please let me know how to handle this. 
PS i was misled and taken advantage of by the bank officer which is another story on its own.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: BMW Financial Services NA, LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I received an email from BMWF Collections dept yesterday, XX/XX/XXXX, requesting I call them directly. This email was received after I sent a direct message on BMWF site with intentions to pay, received and replied to by a XXXX, I believe is the name.. I called BMWF line at XXXX, spoke with a XXXX I believe is her name, provided intentions to pay XXXX past amount of XXXX. A bill payment is scheduled for today, XX/XX/XXXX. in the amount of {$140.00}, another payment in the amount of {$500.00} will be made this coming week, another payment in the amount of {$200.00} by XX/XX/XXXX. I believe these payments should cover XXXX. On a side note, a payment confirmation email was received today showing a payment in the amount of {$900.00} made on XX/XX/XXXX, I believe, in which case this appears to be an error on end of BMWF, sending an email from a payment made in XXXX For whatever reason, the payment could not be taken out of the account, ending in XXXX. I was told account is frozen when it is not, other payees are able to withdraw, do not show frozen. BMWF should correct this error, sending a payment confirmation email from XXXX which was not withdrawn, account is frozen, according to their records.. Also, please note my payment intention to cover past due month of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
HSBC IS TOO CHEAP TO SEND ME FREE PAPER CHECKS AND IS TOO CHEAP TO PROVIDE TELEPHONE SERVICE. SERVICE IS THIRD WORLD COUNTRY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I asked if this would run a hard inquiry or soft inquiry. They told me it was soft, it was hard and my credit dropped. 

The store was XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: EQUIFAX, INC.
State: RI
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 response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: U.S. BANCORP
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
The bank made an error in charging me an overdraft fee. On XXXX/XXXX/16, I was charged XXXX overdraft fees ( {$36.00} each ). According to my statement, there were only XXXX qualifying transactions that should have resulted in fees. These transactions were conducted on XXXX/XXXX/16 ; the fees hit my account 3 days later. I even made a deposit into my account for {$75.00} without knowing I was going to be charged fees. As a result of the fees hitting my account days later, my account was overdrawn due to the bank not being forthcoming about my balance. I spoke to a teller at the location near me, and was told that there were no fees being charged to my account. Right now, my balance is - {$350.00}, all of which are overdraft fees as a result of the bank not charging me until 3 days later. There needs to be some form of recourse for this ; according to my statement, there was {$140.00} in my account prior to them charging me these fees.

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 2016-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have been informed, that there is a public record reported by ( United States Bankruptcy XXXX, Eastern District Of California ) in my credit file, you maintain under my social security number. I ordered a copy of my credit report, and I do see an entry from ( United States Bankruptcy XXXX Eastern District of California ) listing a public record- I do not have a Bankruptcy. I have sent you a dispute, because this information in Not accurate. Per my last conversation with an TransUnion representative, was your claim to verify information at the United States Bankruptcy Court XXXX District Of California. I have contacted the United States Bankruptcy Court XXXX District Of California ; and there is no Bankruptcy. The clerk 's office reviewed the Public Record from TransUnion, they stated they do NOT provide information to credit reporting agencies, nor do they ever validate a public record. The credit reporting agencies, or other information providers, collect information regarding public cases from the courts public records, by a third party vendor. This information is never validated by the courts, NONE of them validate due to the PRIVACY LAW. The Clerk 's office did not state they are not responsible for INCORRECT public records or the misuse of any information. Public records maybe reported incorrectly, and the Clerk 's office will not communicate to the credit reporting agency on my behalf.

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 2015-08-08
Company: Genesis Lending
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
While attending XXXX University online, I was told that I needed to obtain a GENESIS LOAN in the amount of {$7500.00} but with the interest rate by the time I pay it off, it will be over {$10000.00}. I was then told a month later that I did n't need the loan, the financial aid department just did n't pull my financial aid in time and they could n't pull them in past time. So now I am stuck with a private loan that I never needed just to attend XXXX University when it was owned by XXXX Colleges in XXXX 2013. I was looking online and noticed that XXXX had to forgive {$480.00} XXXX in Genesis Loans however I was never informed of this -- so where is my forgiveness? How do I get forgiveness for a loan I never needed and can barely pay for?

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 2022-07-23
Company: EQUIFAX, INC.
State: RI
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 XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the XXXX and Experian Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them.Here is the account needs to correct. 
XXXX XXXX XXXX XXXX Balance Owed : {$680.00}

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 2016-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I had XXXX accounts from Capital One bank show up on my credit report. I do n't have any accounts from Capital One. I tried disputing them with the company to no avail, furthermore I disputed the accounts with the credit reporting agency, XXXX, and they were " verified '' as mine. These accounts where open under my name and SSN and do not belong to me. They must be removed from my credit file. I have the information about these accounts listed below. 

Capital One XXXX Date Opened : XXXX/XXXX/2010 Credit Limit : {$300.00} Balance : {$0.00} Capital One XXXX Date Opened : XXXX/XXXX/2010 Credit Limit : {$300.00} Balance : {$1400.00} These accounts are not mine and must be removed asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$4700.00}, {$5500.00}, {$1200.00}, {$1000.00}, {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$1800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account. 

4. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1000.00} -This is not my account. 

6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my 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 2020-08-05
Company: EQUIFAX, INC.
State: SC
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Atlantic Recovery Solutions LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2021, I received a robocall from XXXX ( voicemail saved ) stating that the company calling has " important document with your name and social security number attached ''. The call back number XXXX, when searched on the internet, gave no credible business information. Additional calls from the number happened throughout XXXX, XXXX, and XXXX. On XX/XX/2021, the caller identified themselves as ARS. A letter was sent to ARS XXXX XXXX XXXX XXXX, XXXX, CA XXXX. ARS responded that it was not them calling. Additional calls from XXXX were received ( voicemails saved ). All were robocalls. In total, I received 11 robocalls. Finally, it was determined that ARS was Atlantic Recovery Solutions ( XXXX XXXX XXXX # XXXX, XXXX, NY XXXX ). A certified letter was sent to Atlantic Recovery Solutions ( XXXX signed return receipt ). No response was received from Atlantic Recovery Solutions. 

On XX/XX/2021, Atlantic Recovery Solutions, called ( voicemail saved ) via robocall stating " This message is intended for XXXX. I am calling with the offices of ARS regarding a legal required notice that needs your immediate attention. Please call XXXX or press one to speak to a live representative. 

The company is not identifying themselves as a collection agency ; the company is using robocalling technology ; the company has repeatedly failed to correctly identify themselves and failed to respond to legally required requests.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: J. Ritter Law P.C.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been receiving calls and letters from a J Ritter law firm saying I owe a {$370.00} debt to XXXX XXXX University XXXXXXXX XXXX from 2017. I know nothing of this alleged debt and have received no notice of this from the school or bookstore or anyone else until now. I called the school and they informed me I have no pending balance and I would not have gotten my diploma or been allowed to graduate with an outstanding balance. The law firm was very confusing telling me that nobody was ever required to notify me of this and that they dont even know if the debt is valid but would get back to me. Im not sure if this is some sort of scam or scheme to get money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was not late on my payment, but they report it late. XX/XX/2016. I would like this corrected on my Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX, I initiated a {$4000.00} deposit to Chase to pay my bills. Chase decided to put that " on hold '' until XX/XX/XXXX, nearly 2 full weeks later. I called XXXX ( the sourcing institution ), and they said the transaction had " completely cleared '' by XX/XX/2010 full days before Chase will release my money. 

Chase has already charged me multiple {$34.00} fees, sometimes on the same transaction. I also was charged returned check fees from the bills that were supposed to be paid successfully. 

I've reached out to the company 3 times now asking for a way to resolve this, so that I am not racking up more and more fees, and they have not given me any path to resolution. Their only suggestion has been to set up a Chase savings account and throw even more money at them ( even though they *already* have {$4000.00} of my money that I can no longer get to, and have no reassurance that any other deposits will not likewise be frozen ). 

Chase currently can freeze transactions if they think they might be at risk of losing money due to fraud. However, they continue to charge consumers fees during this time period. 

This makes no sense as it's not to protect the consumer. No consumer is in danger of a rogue deposit, especially one they initiated. This is for Chase 's benefit, and Chase 's alone. Chase is charging the consumer for processes that they *choose* to perform to reduce their own risk costs. 

Even worse, this process is completely opaque to the consumer. Chase will not even tell me what caused it, referring to these matters as " confidential '' ( even though they involve a deposit from one of my accounts into another ). As such, is impossible for a consumer to prevent this from happening. 

Consumers are left in a state where their only choice is to constantly be carrying a significant extra balance in their accounts, as any deposit could be frozen at any time. I'm sure Chase loves this side effect ( as they reiterated several times how this was necessary to prevent it ), but that should not be a requirement for consumers to bank with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Sent a money wire from Bank of America to XXXX on XX/XX/19 for the amount of {$1400.00} and paid an additional {$30.00} for same day wire fee. I checked my bank account on XX/XX/19 and noticed that the wire was still processing I called the bank several times to cancel the wire and I have not heard back from them.

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 2015-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
So I recently became ill in XXXX of 2015 and I was not able to keep track of my finances and when I came back I was hit with a {$450.00} fee and a closure of the checking account.these were racking up and to my dismay I was not even able to waive these fees due to my health circumstances.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief