BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/XXXX, my husband paid off our USAA Visa card. It showed a XXXX balance and we have not used the card since. We were in the process of applying for a cashout refinance XX/XX/XXXX, to pay off the rest of our debt and to get me much needed medical help for my severe, chronic back issues and were denied. They've begun showing a XXXX balance on the account and reported it as a late pay to the credit bureaus. Then, they refused to look into it until I filed out a form on their site ( is been so long I don't have the login anymore ). I finally figured out how to get in and dispute the reporting. I paid the XXXX charge to make it go away. But it's XXXX that I have to wait 30 days for them to remove it from my credit report when I haven't used the card in over a year and wasn't even aware that we were billed for it until I was denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo closed my checking account without warning and for no stated reason. I have a direct deposit coming into the account tomorrow and Wells did not give me sufficient time to change the direct deposit method with my employer. As a result of this action, my access to my funds will be delayed and I will be unable to pay my bills on time causing significant ha rdship,

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 2017-05-25
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
We received a bill in the mail from Transworld Systems INC that states a balance of {$72.00} has been placed with them by     XXXX   XXXX   XXXX   XXXX   XXXX     The bill is dated  XXXX / XXXX / 17  however we received a week later. We never never received an original notice of any bill directly from the  XXXX    XXXX   XXXX   and there is no itemization of what the original bill amount was, and if there is a surcharge that is being added to the amount. Within the letter it even states " If you have an income tax refund, perhaps you can use the proceeds to pay this amount. '' We have received no proof of any original bill and have no idea how any debt is being charged and for what reason. We have never had the  XXXX    XXXX   XXXX   come to our home for any reason and do not believe this debt is valid, and  may  be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America did not pay my real property taxes due on XXXX XXXX after the county in which my property is located split my property from XXXX parcel into XXXX claiming the parcel numbers had changed. This should NOT have been an issue as I had called BOA on XXXX/XXXX/16 to provide them this updated information and they instructed me to send the information via fax to their Mortgage Loan Servicing Department which I did. As a result of the initial non-payment I incurred penalties and interest on the late payment totalling {$100.00}. Bank of America assured me since it ws not my fault that the payment did not get made that I would NOT be responsible for the late fees and interest penalties. After XXXX phone calls to Bank of America they finally made my property tax payment on XXXX/XXXX/16. However they charged me the {$100.00} for these late fees and penalties. I have subsequently called Bank of America on at least 7 occasions from XXXX/XXXX/16 to get the {$100.00} refunded. Each time I have been assured my complaint has been " elevated '' and assured my escrow account would be credited within the next 5-7 business days. As of XXXX/XXXX/16 this has not yet happened. The representatives I speak to have repeatedly indicated they use a third party vendor and have put the request in to the vendor, yet the refund still has not occurred. This has been a frustrating experience as the time it takes to get through on the phone and the repeated holds they put me on while they check into the matter averages at least 20 minutes per time I have called. The current call I am on now has already kept me on the line for over 30 minutes while I try to escalate the problem to a Manager for a final attempt at immediate resolution. During my time on hold I have managed to complete this complaint filing

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 2021-07-31
Company: Lending Club Corp
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have not been able to access my account to make payments or change payment information. I have contacted the company several times with a promise the technical support would call me to fix the problem. I have never received a call from technical support. This is not an issue with my password or user name. This is a technical problem with their website. Once I log in, the account link reroutes to a page to apply for a loan instead of to my existing account. 
Most recent phone call to have this issue fixed : XX/XX/2021 at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I had to resign from a very stressful job XXXX XXXX as a XXXX XXXX XXXX woman due to the health issues it was causing me : I had XXXX twice in a 6 month period and was XXXX. Acording to my doctor, I 'm XXXX because of the XXXX and a XXXX that has been plagued with injuries. I was on a low repayment with 1 % interest on private student loans from Navient, but that plan ended 7 months after my resignation. Despite the fact I am XXXX, I am making less than half ( if I am lucky ) than the year before, XXXX pay for health insurance and my expensive perscriptions losing money on the property I was renting and still trying to keep up on other monthly bills all while living with my parents again. I got behind in my payments with Navient, especially since they were expecting almost twice as much money from me. They call me sometimes seven times a day on auto dial- and when I can answer it 's just a pre-recorded machine telling me to call them back later. Well, I have a XXXX and legitimately forget to call them back. They also had the wrong address on file for me. I was finally able to make a payment, and the very next day they started auto dialing me again!!! I feel like that is harassment. I also spoke to someone on the phone the day when I made the payment, she said she would be my account manager and would talk to me next month about other options, such as lowering the total amount I owe by a certain percentage, but today when I spoke to a supervisor, I was told that is not possible because my loans are private, not federal. I want the constant harassing phone calls to stop! I ca n't pay you another payment when a day has n't even passed for me to receive a paycheck! I ca n't answer my phone when I have XXXX children sitting in the room with me learning about the world. This company is so irritating, especially when they are dealing with people paying off loans for education, not clothes or cars, but schooling for people to advance their careers and lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; Have not supplied proof under the doctrine of estoppel by silence Englehardt v. Gravens ( MO ) 281 SW 715 791 I may presume that no proof of the alleged debt nor therefore if any such debt in fact exists. 
The is invalid, inaccurate, not timely and carry no documented evidence per FCRA laws and are damaging to me character, reputation and well-being by falsely stating this non-complaint unverifiable account on my consumer report. Past this point, CFPB will have authenticated sworn testimony from my end which I will gladly present in court as evidence if need be of me trying to rectify the subterfuge that you are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In 2008 I contacted Bank of America for a refinance on my primary residenc. After some lengthy discussion I was advised of a HAMP program that would allow me to lower payments. After further explanation by BofA I was told that in order to qualify for this modification I would have to make payments less than required to be included in this plan. I initially refused as my credit was great and would n't want to damage it. The representative then assured me that they would block my credit reporting so that I could qualify ( received this in writing ). After retiring this in writing I accepted, signed paperwork, made the lowered payments as required for 3 months, and was told my the same representative that I was approved for permanent plan. Around 6 months later my credit began taking negative hits for late/missing payments. I reached out to the represent ice who assured me it would be fixed, 4 months later, still getting dinged on credit report. Now almost 8 years later they continue to report my mortgage delinquent and have ignored my emails, calls trying to hold someone accountable for their deceptive and unfair trickery. I have several emails/ documents showing their explicit deception and how I was let to believe I was approved and credit blocked only to be lied to and now they want to for lose on my home and hold me accountable for almost XXXX in law fees when they LIED to me and tricked me. Please help me hold someone accountable there.

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 2021-07-31
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
ALL CREDIT CARD COMPANIES WERE PAID IN FULL EXCEPT FOR XXXX AND XXXX XXXX.

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 2021-07-31
Company: EQUIFAX, INC.
State: MA
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:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( 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 ). 

I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: Altitude Community Law P.C.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I can only assume this is from Altitude Law they have left messages taped to my door at my home. The last one received stated will send a sheriff to deliver instead.

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 2016-10-16
Company: Comerica
State: WV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Mastercard sites will not find an atm location on their XXXX different sites! this is fraud to get you to pay fees! also spent 20 minutes on the phone ; it finally said hold on for a person. Then said they hade a high volume call back later and hung up on me again ; tried 3-4 times! 
These are the XXXX sites try them ... ... ... ..the last one is SS web site, too! 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: EQUIFAX, INC.
State: FL
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:
Dear CRA/CFPB ; XXXX XXXX XXXX ; ***see attachments*** I was going through my credit report again this morning, and Im so sad, depressed, stressed out on the way this account from Santander XXXX XXXX XXXX XXXX XXXX ( # XXXX ) is still reporting on my credit report, and it looks like you completely ignored my previous request to investigate and delete due to several violations, inaccuracies and inconsistencies but yet, you sent me an random genetic letter saying that you VERIFIED as accurate. 

I believe I have the right under consumer laws, such as FCRA to request as such. Ive attached and circled some factual errors on this account ; such as inconsistencies with payment history, payment status, dates of last active are so different between XXXX, XXXX  & Equifax, XXXX, XXXX, etc, different dates of last payment, different dates opened, different last reported, questionable balance, responsibility status, questionable HIGH balance, etc.

This is obviously errors and violations and demand an immediate deletion from all the 3 major credit bureaus, because Its impossible that this account can be investigated as being accurate due to it being misleading, inconsistent, inaccurate, incomplete, and unverifiable, and therefore its not in compliance with the consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have just finished my XXXX degree and according to the US Department of Educafip. Exit loan interview, a six month deferment should be granted. NAVIENT is not following the guidsXXXX establish by the USDOE and had my first payments due XX/XX/XXXX. They sent me no documentation and I found out about having to pay when they called me stating I was past due. I have attached a screen shot showing my next payment due is XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Comerica
State: MI
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
Comeric bank gave my father XXXX a hom equity loan against my house that i own with my husband. they admitted in court tht they did not look into the title which has been in our names since XX/XX/XXXX and in XX/XX/XXXX they gave my father a loan and since he has passed away they have this lein on my hoouse and have been threating my family to foreclose i do not find this fair i need help please they already tols my then XXXX year old daughter we are going to be on the streets because he low life parents dont pay the bills. this is wrong to make her worry. it is not her bussiness .please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Mobiloans, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This company and another have been calling me non stop for 6 months now ive had credit card charges that i didnt make that have been happening for a long time but these companies keep calling me and keep saying i owe them money and i keep telling them i sont have a bank account even but they insist i owe them and are now saying i owe them XXXX to XXXX XXXX a piece and i never have had an issue with identity theft untill i moved to XXXX 8 months ago but i need some sort of assistance with all this fruad going on i know my loans i know my accounts but this is getting out of hand i cant afford to pay these one of the companies said they were mobi loans and the other is XXXX XXXX loans

Company response to consumer: Untimely response
Consumer complaint received 2021-07-31
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened American Express XXXX card on XX/XX/XXXX, and there was a promotion for new card holder the applicant will receive XXXX membership rewards points after spend {$5000.00} on purchases on my new card in first 6 months. Plus, I would earn 10x points on eligible purchase on my new card at U.S. gas station and U.S. Supermarkets. by deadline date of XX/XX/XXXX, I spend qualified purchase total {$5300.00} but did not see neither the XXXX bonus points nor the 10x points on gas station or supermarket reflected in my account ( see attachment 1 : Amex promotion screenshot ; attachment 2 : Not receiving 10x points on supermarket or gas station purchase ; attachment 3 : Amex Platinum Card Activity History XXXX to XXXX, this does not include membership fee, payment, credit but does include refund as negative balance ). 

On XX/XX/XXXX, I contacted Amex online chat and been advised that I need to spend {$560.00} more by XX/XX/XXXX to meet welcome bonus spending requirement, and from XX/XX/XXXX to XX/XX/XXXX, I made total {$880.00} amount of purchase. ( see attachment 4 : Amex XXXX Evidence ) On XX/XX/XXXX, I contacted Amex online chat again and been advised that I need to spend {$140.00} more by XX/XX/XXXX to meet welcome bonus spending requirement, and from XX/XX/XXXX to XX/XX/XXXX, I made total {$460.00} amount of purchase. ( see attachment 5 : Amex XXXX Evidence ) On XX/XX/XXXX, I contacted Amex online chat one more time to check my spending balance. At the beginning, Amex representative was saying that I am {$13.00} short, but after I questioned that, he confirmed that I have met the spending requirement and will get my welcome bonus points unless any refund or return payment, and there was no such transaction happened during that period. ( see attachment 6 : Amex XXXX Evidence ) The whole time I have been following whatever info Amex advised to me but did not get bonus points as promised. So far I have contacted Amex customer service via online chat and phone for over 20 times, and they keep promising wait later and they will credit, last time they said by XX/XX/XXXX I will see all these points being credited to my account, but when I checked on XX/XX/XXXX those points are still not in my account. I contacted Amex again and they refused to credit me because I did not meet spending requirement ( which is completely not true ), but when I ask for details they could not provide any. 

At this point, I'm afraid keep connecting with Amex will not solve this issue and I want to file this complaint instead. Thank you very much. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My husband XXXX XXXX and I, XXXX XXXX, both have auto leases with Chrsyler Capital, since we are both self employed, our businesses have both been impacted by the COVID situation since we are forced to close non essential businesses. My husband XXXX XXXX called to see what hardship options were available for his lease and was told they are providing two months deferment and he would receive an email to fill out. I called to receive the same option for my auto lease 30 minutes later and was transferred to the " assistance team ''. The agent I spoke with from the " assistance team '' had an attitude the entire time and initially offered a one month deferment, I explained to her that my husband had just called and said they were offering 2 months, she seemed very reluctant and said she would put it through and that I would receive an email in a day or two. 

Neither my husband or I ever received an email and on XX/XX/XXXX they took my automatic payment out of my account that is set up with their company. It was {$390.00} that I did not have to spare. We have XXXX children, can not receive unemployment, and don't qualify for any assistance. I also messaged them on XXXX messenger with the same information and they replied asking for my information, no one has called. My husband also called Friday the XXXX and told them he hadnt received the email and they said he would receive it by XX/XX/XXXX, he still hasn't received an email. 

I have included my account number ( XXXX XXXX ) in section 4 of this complaint. XXXX is XXXX XXXX account number

Company response to consumer: Closed with explanation