BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-01
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am trying to obtain a legible copy of a check cashed against my mother 's account on or about the day she passed away. I am an executor of her estate. There is a {$5000.00} discrepancy in the balance and I have not been able to obtain a legible copy of the back of the check. I have a copy of XXXX sides from the bank but only the front is legible. The back is too blurry to read. I will attach a copy for your review. I have contacted my mother 's bank and they state that sometimes " that 's the way the check copies are, and they do not know where the original can be found ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-07-24
Company: Palm Beach Credit Adjustors, Inc
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was charged for a service at a hospital that was not mine. after calling the hospital they told me it would be taken care of. Instead they gave it to a collection agency. After trying to get this resolved no one would listen to me. I paid this debt {$360.00} to get it off my credit report. It is unfair that it is still on my credit report after paying a debt that was not mine after paying it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
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: Can't close your account

Complaint:
I have a joint Bank of America credit card account with another individual with whom I no longer associate. We have made several attempts to remove my name from this account, placing full responsibility of the account in the other individual 's name. 

Most recently, we were able to reach customer service representatives on XX/XX/2022, and they mailed out a paper document that was to be signed by both parties and returned by USPS or by fax only. We returned the fully executed document by fax by XX/XX/2022. 

As of XX/XX/2022 I am still on the account. I contacted Bank of America for a status update, but they are unable or unwilling to provide me with further information. This account has a XXXX balance, and has had a XXXX balance for the last few months. 

It seems inappropriate that a financial institution can hold individuals hostage using opaque and antiquated methodologies. This has been an extremely frustrating experience, and has completely soured me on doing any business whatsoever with Bank of America moving forward.

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 2016-01-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
There are excessive inquiries by the banks for an unknown reason. 


1. XXXX- There has been an inquiry every month since XXXX, 2015. 
2. XXXX XXXX XXXX inquiries to date These should be removed. I have XXXX XXXX XXXX credit cards and only should have XXXX inquiries. 

Can you please remove the excessive inquiries as no permission was obtained? 

thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Experian Information Solutions 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:
Account NameXXXX Account NumberXXXX Account TypeAuto Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusAccount charged off. {$32000.00} written off. {$24000.00} past due as of XX/XX/XXXX. 


Status UpdatedXXXX Balance {$24000.00} Balance UpdatedXX/XX/XXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Original Balance {$15000.00} Highest Balance {$0.00} Terms60 Months On Record UntilXX/XX/XXXX i HAVE DISPUTED THIS WITH XXXX EVERY FEW MONTHS FOR 3 OR MORE YEARS. MY FIRST HUSBAND HAD A CAR HE USED MY NAME TO GET AND THEN APPARENTLY DIDNT PAY FOR IT. HE OWED APPXXXXX AT THE TIME AND WAS AWARDED THE DEBT BY THE JUDGE IN OUR DIVORCE WHICH I HAVE SENT THEM MULTIPLE TIMES AND HAVE ALSO ADDED THE STATEMENT. IVE ASKED THEM TO SHOW ME HOW THEY HAVE KEPT REPORTING FALSE INFO AND WHY HASNT IT BEEN REMOVED AND THEY STILL NEVER RESPOND AND I HAVE HAD TO TAKE THE PAPERS TO THE DEALERSHIP WHEN I NEEDED TO LEASE MY ACTUAL CARS AND I DONT KNOW WHY THEY KEEP REPORTING THIS WHEN IT IS NOT MY RESPONSIBILITY. ALSO THEY KEEP REPORTING IT HIGHER AND HIGHER AND NOW IT SAYS XXXX WHICH IS COMPLETELY CRAZY. I DONT KNOW WHERE IN TEXAS MY EX HAS MOVED TO BUT PLEASE PURSUE THE RIGHT PERSON

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 2015-10-01
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: WA
Product: Payday loan
Issue: Can't contact lender

Complaint:
I represent, as a manager, a landlord to ACE Cash Express in XXXX Washington. They have abandoned their rented space with one year left in their lease. They used you as an excuse by sending me a copy of your XXXX XXXX, 2015 Outline of Proposals Under Consideration and Alternatives Considered. They said this allows them to vacate the lease. However, the lease says they can vacate the lease only if there are rule or law changes that stop them from operation in Washington state where this store is/was. I have sent them letters, called, and emailed XXXX XXXX, their current VP. They are ignoring me and owe me over {$36000.00}. Can you please help me or tell me who to contact?

Company response to consumer: Closed
Consumer complaint received 2016-11-05
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Dear XXXX iam writing this note to you telling you about the unfair treatment that i have been getting for trying to get a loan modification from rushmore XXXX loan company I pay several companies to try and help me and I get no result now iam working with a next company and its the same thing so can you please help me cause I want to keep my house all iam asking for is help I filled bankruptcy for several times just to stop them from taking my house I work XXXX jobs to get it and do n't want to lose it thanks again

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: PENTAGON FEDERAL CREDIT UNION
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We submitted an application with PENFED to refi under a VA Interest Rate Reduction Loan. The loan officer asked us our goal and we told him shorter term, and lower rate. Within a few days, he comes back and says please " great news your guys qualify for the lower rate of 2.75 but they wanted us to refi for a longer term. When I questioned the term, he put it on the VA and said they would not approve a shorter term if the refi resulted in a higher monthly PI. Therefore, I contacted the VA and was informed that was not the case. The VA loan specialist informed us that we could in fact lower our terms but lenders do not want too because they can not charge the veterans any fee 's. I went back several times and informed the lender but they kept pushing for a 30-year term, which would benefit them tremendously. Unscrupulous business practices like this should not be tolerated. They are trying to force veterans into longer terms, which lead to more money for the lender. Once I provided him with the VA circular, which governs how lenders handle VA IRRRLs he finally, fessed up to not being able to refi because they can not charge us some of the associated fee. Bad business practices and there is no telling how many veterans get taking advantage of. I am a XXXX veteran who served my country proudly for over 28 years.

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 2021-11-25
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Outdated information is furnishing on my Experian consumer report. See attachments for more details.

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 2017-01-25
Company: Dyck-O'Neal, Inc.
State: OR
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Filed a recent complaint pertaining to same issue. Dyck O'Neal has continued to erroneously report my account late for the last 2.5 years. I am paying them on time and have been for the past 2.5- 3 years. Balance is almost paid off and I am in the process of buying a new home and am not able to due to all the lates they continue to report every month. Every time I call customer service they are rude and do n't provide any assistance they only yell at me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I fell behind on my payments and the company said they would help me save my home but they are trying to foreclosed on my home. I have been faxing documentation over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: OneMain Finance Corporation
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/20 at XXXX I received a call from " unknown ''. I did not answer but listened to the voicemail that was left. What was weird was my voicemail showed the unknown as " XXXX ''. 

The guy stated the following word for word : This message is solely intended for ( my name here ). This is XXXX XXXX. Im an independent courier calling in regards to certified documents that have you listed as the receiving party. At this time I am scheduled to deliver you your documents and obtain your signature within the next 48 hours outside your home or your place of employment. If your signature is unobtainable your documents will be marked as direct refusal to comply and the process will proceed without you. If you have any further questions or you need to reschedule your service date, you or your attorney will need to contact our business office immediately ( this word was slowly emphasized ) at XXXX and you will need your reference number of XXXX. Thank you and have a good day ''. 

I called the number and a woman answered. 
Note : I knew before calling that it was a scam because I googled a portion of the voicemail and the negative results came up. 

A little music played or something and them a woman picked up and I told her why I was calling and she asked for the reference number. Couple seconds pass and she gave me my birthday and asked for confirmation. She shared with me what the call was about ( in my head I knew she had accurate information of myself personally but the debt information was bogus ). I asked her for her name, company name, company address, and phone number. She gave all four, some with hesitation ... XXXX was her name, XXXX XXXX was the company, XXXX XXXX XXXX XXXX XXXX XXXX in XXXX-something Texas and her direct line of XXXX XXXX XXXX she told me how much I owe with One Main Financial and how much they will settle with for today. She also said the company  wasn't a debt collector but that they help companies get their money back ... ..huh?? 

I asked more questions about what my options were. She said payment plan or pay in full. They accept no checks only card numbers but she told me if I called one main directly that they could take checks ... another red flag. I told her I would call her back and never did. 

The entire conversation I had with XXXX was done with intent on my part. She gave off an insane amount of red flags. From acting like she didn't hear me to her lack of knowledge about how debt collection works. XXXX XXXX and XXXX tried to scam me out of {$8300.00} which is absolutely laughable. I really and truly feel remorse for those who aren't so lucky to catch this!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
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: Account information incorrect

Complaint:
As of XX/XX/XXXX XXXX continues to show on my credit report as XXXX XXXX off 's. The account was paid of XX/XX/XXXX. I have sent multiple letters to Experian, XXXX and XXXX as well as to XXXX regarding this. They claim they have investigated it but they have not.

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 2020-01-06
Company: EQUIFAX, 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: Account information incorrect

Complaint:
As of XX/XX/XXXX XXXX continues to show on my credit report as XXXX XXXX off 's. The account was paid of XX/XX/XXXX. I have sent multiple letters to XXXX, Equifax and XXXX as well as to XXXX regarding this. They claim they have investigated it but they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX re3open. 

I was tricked into attending a mediation meeting with wells Fargo to discuss a fraudulent CHECKING account. During the mediation, I requested to discuss the other fraudulent behavior of WF as it pertains to the HELOC loan. 
The WF representative refused to discuss any other items other than the CHECKING account.

In return WF has mislead CBPB by saying that we discussed or came to a resolution regarding my relationship with WF as a whole which is untrue and misleading.

The fact that I wasted money with their outrageous fees and lack of concern for the consumer needs to be investigated.

I closed the account for a tremendous loss without any concern of WF after the loan was restructure is a very unfair matter. 

See all the prior letter and others. 

Thank you,

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 2020-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
On XX/XX/2020 I filed a dispute with TRANSUNION & XXXX   regarding a collection account listed as XXXX XXXX. The account was sold to another company called XXXX XXXX XXXX XXXXXXXX. This account was paid in full - as noted by the letter I received from XXXX XXXX, and should NOT be still listed as a collection account. 

TRANSUNION sent me the results of their investigation dated XX/XX/XXXX, XXXX in which they indicated that the account was removed from my credit file. As of XX/XX/2020 the account is STILL showing up as a collection account. This is a violation of the Fair Credit Reporting Act and should not be tolerated by this credit reporting agency. 

TRANSUNION needs to honor their statement in the investigation results they sent me and REMOVE this account from collections IMMEDIATELY!! 

I've spoken to several people by phone who only files more disputes, which is totally and absolutely incompetent and wrong!

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 2020-01-06
Company: Caliber Home Loans, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint was submitted to Caliber Home Loans customer service representatives, collections representatives, and our XXXX XXXX from Caliber Mortgage. Caliber Home Loans was notified of this error many times via phone, email, and text. Request were made for an investigation of the transactions below ; accurate posting of payments made ; return of stolen funds ; removal of all late fees and any related charges ; and an accurate update to all credit bureau reports. 

Caliber Home Loans has not posted a payment made to our Mortgage account. The payment was made from XXXX XXXX XXXX XXXX on XX/XX/2019 in the amount of {$1500.00}. 

Caliber Home Loans also stole money from the same XXXX XXXX XXXX XXXX account by taking an unauthorized draft of {$200.00} on XX/XX/2019 and did not post the money to our mortgage loan account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2016-08-05
Company: Paypal Holdings, Inc
State: TX
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was almost victimized by a company because they made the assumption that I would be a regular user of their services. Many, ( especially web sites ) businesses use this underhanded tactic to steal money from unsuspecting people. I think that something should be done to stop these companies from preying on people. I used the services of XXXX one time in XXXX of this year and I paid them {$19.00} for their services. They turned around and charged me for a month 's fee in XXXX, ( {$22.00} in XXXX ( the same day ), however, I used PayPal, and somehow PayPal neglected to pay them any more money until XXXX XXXX. 
I called them as soon as I realized that they had done this and demanded a refund of at least the XXXX XXXX payment and they did so. This should not be allowed to happen. At the risk of offending someone reading this, I feel I must say that this is the reason why XXXX XXXX has gathered so much support in this country. Many of our business leaders think that things like this are a good way of doing business. The charges should be posted in such a manner as to leave no doubt in the consumer 's mind as to what hey are consenting to. The consumer should be given the choice at the time of purchase of whether or not to have a recurring bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I received an email supposedly from ACE SETTLEMENT DEPARTMENT, threatening to sue me for over {$4500.00} unless i paid a settlement of {$270.00}. Also threatened to press charges and send me to jail for 3 years and seize all of my bank accounts and assets if I do n't reply and pay. They had my correct SSN # and place of employment. I was told to reply to XXXXXXXXXXXX. 

I have used ACE in the distant past and if I owe a debt, I am willing to pay but I need a letter of proof. This email was threatening, as well as major grammatical and spelling errors, very unprofessional.

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 2020-08-07
Company: Square Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I can not do any mobile transfer it will not let me link my account to anything so i cam add money to my account from cash app or XXXX XXXX or XXXX XXXX my check go on another card because i work two jobs and i want to save money in my XXXX account because i feel safe with my XXXX account but it won't let me link my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: ROBINHOOD MARKETS INC.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This is to continue a complaint that I previously filed with the CFPB regarding Robinhood 's  failure to notify me of corporate actions for the fund previously known as XXXX. XXXX liquidated and Robinhood did not inform me. I opened up a complaint with this regulator to notify them of Robinhood 's actions. In their response, Robinhood Markets told me they are not required to inform me of all corporate actions. I disagree with this. Robinhood has marketed itself as a way for young, amateur investors to participate in the stock market without high costs. Therefore, it is Robinhood 's responsibility to notify me of corporate actions. Robinhood 's failure to notify me of a corporate action resulted in me losing money.

Company response to consumer: Closed with explanation