BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-14
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been unfairly charged finance charges and a late payment fee by the credit card issuer. My first payment was delivered on time on XX/XX/2020 in the amount of {$1300.00}. However, the credit card statement was not clear where the payment should be sent, as it listed two addresses. I sent the payment to the " Customer Service '' address at the bottom of the statement, which was listed more prominently on the statement. I later found out that the payments should have been sent to the other ( less prominent ) address, which did not disclose that it should be used for payments. This caused my payment to be misdirected to the wrong department, and ultimately processed several days late on XX/XX/2020, incurring a finance charge of {$19.00}. The same issue repeated on my next bill, and I incurred a late payment fee of {$39.00}, in addition to an {$8.00} finance charge. When I called to complain over lack of disclosure regarding which address to use on the statement, I was told that only the {$39.00} and {$19.00} charges could be refunded ( due to a policy of one waiver per customer per year ). I am requesting a refund of the {$8.00} charge, which was directly caused by the credit card company not disclosing which address should be used for payment.

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 2021-01-13
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX obtained car loan from Santander Consumer USA for {$17000.00}. Made monthly payments of over {$440.00} a month until XX/XX/XXXX when a deer hit our van and our insurance company of XXXX totaled said van. Santander Consumer USA was notified by insurance company and THEY accepted payment of over {$9000.00} for settlement of this van. With the monthly payments and the insurance check, this van was paid in full. In XX/XX/XXXX Santander Consumer USA did sent us a bill for the remaining 3 years on note for this van. This was illegal due to their accepting the payment from our insurance company and for the van being totaled and thus no more van. Santander Consumer USA refused to accept, and we notified the Missouri Attorney General and we disputed this being owed. Santander Consumer USA has placed on our credit report that the amount of {$7600.00} was charged off. LIE. That is not true. That was the amount we paid on the loan. They failed to list the insurance payment of over {$9000.00} that was given them. Santander Consumer USA has committed fraud, they have lied to cause my husband, XXXX XXXX XXXX co-signer, and me to be denied credit, or to have credit higher than should be. WE want this immediately corrected and removed from our credit reports to ALL credit agencies. We recently got a van loan and because of Santander Consumer USA 's lies, we had to have a high interest rate of XXXX per cent. Santander Consumer USA intentionally set out to harm us and our credit. They have committed fraud by putting false information to the credit bureaus. WE WANT THIS Corrected immediately. We want a letter from the credit bureaus stating that the information provided from Santander Consumer USA was fraud, lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I reached out to the auto loan lender and requested the late payment dated back in 2017 of XXXX be removed and I haven't received a response.

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 2021-01-14
Company: EQUIFAX, INC.
State: MI
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:
checking my reprort today and i noticed someone used my informtaion to open accounts and call to inquire about stuff .. 

anything reporting as inaccurate on my report should be removed is against my rights someone had brung to my attention known as the fair reporting credit act. 

im trying my best to better myself in life and this is hindering me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have our home loan with bank of America as we have a grace period on when it has to be paid before a late fee is added & we get phone calls from them all the time asking when payment will be made as we tell them we have till a certain day to get it paid so why are you calling us & they say to get payment - hello were still in our grace period.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-04
Company: Colony Brands, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 'm writing to file a complaint. The complaint is brought against the merchant ASHRO for harassment. Unfortunately, the items were returned due-to defect and fit : Credit Account : XXXX : item number ( XXXX ) CLPTRA DRESSES /XL, for total of XXXX dollars. The products were returned using company label. Costumer disputes the felonious charges billed to account. XXXX dollars, plus XXXX dollars late fee, followed by XXXX per/month dollar processing fee. I disagree with the charges. I returned the merchandise in a timely manner, but ASHRO continues to harass customer with obnoxious phone calls and threats to ruin my credit. I want the calls to stop. I will forward all records concerning the matter enclosed in complaint. Please be advised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-23
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card
Issue: Credit determination

Complaint:
I was advised last week that a credit limit on a card I have issued to me by Barclay Card was lowered from {$8600.00} to {$6500.00}. I contacted the organization, and they advised that the right to reduce ( or raise ) the credit limit exists at their discretion, and it 's explained in the credit agreement that I signed when I had my card opened. While I did find that, what is troubling is that they accessed my credit report without my explicit authorization. I granted Barclay the right to access my credit report when I first opened the card, but not any subsequent times, which they assert is how they came to the conclusion to reduce my credit limit. I 've NEVER given Barclay ANY reason to think I would n't pay my credit card payment or the balance due. I 've always paid on time, I 've even paid off the card in total in the past. This reduction is unacceptable to me, as it should be to anyone who is an account holder at Barclay.

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 2017-02-22
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
my loan through Navient was cancelled I even have the tax paper to prove it and now they say they denied it. How can they do that. I am on XXXX and can not repay. I think they are harming me by putting this on my credit report and I do n't believe I owe any longer since they let me cancel it. This company is bogus. I would not recommend them to anyone. What can I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been receiving repeated calls at my residence telephone of XXXX from the following companies : Synchrony Bank XXXX, XXXX XXXX XXXX and a collector from XXXX that are looking for an XXXX XXXX or XXXX XXXX XXXX. 
I have told them repeated times that I do not know any of these people and to stop calling. However, they continue to call. I ask your office 's assistance in having these companies verify those numbers that are called attempting to collect a debt and not just simply call random numbers ( that stay on their lists and are called constantly ). Please assist with this annoying problem. 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 non-monetary relief
Consumer complaint received 2015-10-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Consumer Loan
Sub-product: Pawn loan
Issue: Payment to acct not credited

Complaint:
XXXX I DEPOSITED A XXXX PARTY CHECK ( {$1900.00} ) ENDORSED TO ME BY MY CLIENT, AS A PAYDOWNTOWARD MY LINE OF CREDIT ( L.O.C. ). I DEPOSITED THIS IN PERSON AT THE ABOVE BRANCH. TELLER DIDNOT TELL ME THAT BANK DOES NOT ACCEPT 3rd PARTY CHECKS AS L.O.C. PAYMENTS. BANK REVERSEDTHIS WITHOUT A NOTIFICATION. I INQUIRED WITH THE BANK ABOUT THE REVERSAL. THEY SAID THATTHEY MAILED THIS CHECK TO ME. AFTER A WEEK OF NOT RECIEVING THE CHECK, I CALLED THEM. THEYSAID THEY DO N'T KNOW WHAT HAPPENED. THEY WILL STOP THAT CHECK AND ISSUE ONE TO ME. IASKED THEM TO JUST ELECTRONICALLY FUND MY CHECKING ACCOUNT ( TO REPLACE THAT CHECK ) SINCE THERE IS AN ISSUE WITH MAILING. WHAT THEY DID WAS ELECTRONICALLY WITHDREW MONEYOUT OF MY CHECING ACCT. TO PAY MY L.O.C. I TOLD THEM THAT I CAN NOT LEAVE MY BUSINESS TOCHASE A CLIENT FOR ANOTHER PAYMENT. IT WAS CHASE 'S MISTAKE AND THEY SHOULD REMEDY THEIRMISTAKE. THEY REFUSED. I HAVE TRIED TO RESOLVE THIS WITH CHASE 'S L.O.C. DEPT., BRANCHMANAGERS XXXX XXXX XXXX AND XXXX XXXX XXXX, AND THE ESCALATON TEAM ( XXXX XXXX XXXX. 
XXXX XXXX XXXX. I WAS GIVEN CASE # XXXX. I CALL THEM EVERYDAY TILL TODAY AND GETONLY 'THERE IS NOTHING WE CAN DO. WE DO N'T KNOW WHAT HAPPENED. WE DO N'T ACCEPT 3rdPARTY CHECKS. ' ALL REFUSE TO PUT ANTYTHING IN WRITING. SO I HAVE TO EXPLAIN MY ISSUEEVERYDAY TO THEM. 
XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: Conn's, Inc.
State: AR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a account with Conns in XXXX texas. I understand when I am to pay my bill. My complaint is they call up to 10 times a day until I have paid my bill. I have called to notify them that I will be late ( some times it is due to when my pay day falls ) but they continue to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-14
Company: Experian Information Solutions Inc.
State: NV
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 contacted the three major bureaus concerning Chapter XXXX Bankruptcy reported on my credit report. The Bureau sent me a letter, stating that they received the information from the United States Bankruptcy Court, District of Nevada, yet I received a letters from the Bankruptcy Court that they did not send any information to the Three Major Bureaus, therefore they are reporting incorrect information ( see attach ) Also they stated that they received the information from XXXX XXXX, yet I contacted XXXX XXXX and was told that my account was frozen ( see attach ). Therefore when I requested proof to the accuracy of the bankruptcy, the bureau could not provide me that information, and it's been well over the allotted 30 days that the bureau has to validate ( no verified ), according to the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and are in violation of several of the General Rights and Obligations of NRS, including NRS 598 C. 130, NRS 598C, 160NRS 598C. 170, NRS 598C 190 and NRS 598C.200.

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 2017-04-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX XXXX has reported a mortgage/collection account on my credit report which is the only thing stopping me from getting a VA home loan. On XX/XX/2017, I sent XXXX XXXX a letter asking them to provide a Chain of Title proving that they even own a debt that I am liable for and have the right to report it on my credit report. They responded to my request on XX/XX/2017 and were not able to furnish a Chain of Title and therefore were not able to prove they own any debt of which I am obligated to pay. Upon the receipt of their response, I immediately sent their letter in its entirely along with my own letter to the credit agencies demanding that they remove this mortgage/collection account from my credit report. I actually sent two letters, one on XX/XX/XXXX and one on XX/XX/XXXX. In that letter I stated that due to the fact that XXXX XXXX could not establish a document that stated that they owned anything of which I was liable, that this needed to be immediately deleted from my credit report and if not it was in violation under the Fair Credit Reporting Act. I received my results from the credit agencies within the 30 days, and though they deleted the activity contained in the XXXX XXXX account, the account still remains on my report as a collection and has not been deleted, which is still the only thing preventing me from obtaining my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I filed extra charging complaint against Bank of America XXXX Bank of America refused send and showed my rent check of XXXX with sad icons on check because of I do not like Oregon resident on Bank of America paper check, Please Release rent check with sad icons must release information to U.S. XXXX at formal requests to male attorney allows looking at sad icons at formal requirement meeting with me in confrontation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I heard Navient was over charging in student loans when is was XXXX, I have a loan from them back in XXXX-XXXX, just want it checked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am having difficulties with buying a house and applying for new credit cards. I paid the collection XXXX XXXX, Reported : XX/XX/2020 and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this collection from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

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 2016-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I applied for a cash out refinance with Bank of America. Went through the entire process all the way to setting up a closing date. Ten days before we were to close the loan got denied because I have XXXX exemption on the property. BOA should have ask or known about this long before setting up a closing date. I would like a refund on the appraisal as the loan never should have gotten to the appraisal process. They had all tax info including my Federal returns that clearly show a loss or profit from farming, three weeks before the appraisal. If XXXX exemption is an automatic denial for a loan it should be XXXX of the first items asked or looked at. BOA was negligent and should never had went as far in the process of making me pay for an appraisal. The loan should have been denied in the first days of the process before the appraisal.

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 2017-02-03
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Navient purchased my loan from XXXX XXXX three years ago. When they completed the purchase and shortly after my loans were deferred due to being out of work. For one entire year they failed to inform me that the loan was no longer deferred according to their records. I was NOT informed of this. As a result, I was subjected to negative credit reporting which has ruined my chances of purchasing a home. I asked them to update due to their error in reporting and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: U.S. BANCORP
State: VA
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:
Fidelity reported me late to credit bureau for a transaction in dispute. Fidelity eventually refunded me interest and late fees, but haven't corrected reporting to credit bureaurs

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 2015-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Other

Complaint:
I am submitting this complaint after months of frustration dealing with Bank of America 's Line of Credit Division ( BA ). Despite numerous requests and clear evidence, provided by BA, I am unable to obtain accurate credit history of my Account, reported to XXXX, XXXX and XXXX. I am trying to refinance my mortgage and this inaccuracy is negatively impacting my credit score, which in turn negatively affects the interest rate ( higher rate ) I am able to obtain on the refinance, which in turn will result in paying substantially more money in interest charges. Attached is a file containing the following Exhibits:1. Exhibit A - BA letter dated XX/XX/XXXX stating that my Account was established in XX/XX/XXXX and there have been no late payments made on the Account2. Exhibit B - Page XXXX of XXXX of my credit report, completed on XX/XX/XXXX, indicating one 30 day late payment in XXXX XXXX. Exhibit C - BA letter dated XX/XX/XXXX, with the same information as the XXXX XXXX letter4. Exhibit D - Email dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX, stating the concerns regarding incorrect reporting on the Account and the unwillingness of BA to confirm that there are no late payments5. Exhibit E - Email dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX, stating the unwillingness of BA to confirm that there are no late payments6. Exhibit F - Email dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX, stating that the Account is still being reported incorrectly7. Exhibit G - Page XXXX of XXXX of my credit report, completed on XX/XX/XXXX, indicating the Account has no payment history at all, which negatively affects my score since I have 48 months of perfect history not being factored into the score8. Exhibit H - Email dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX, stating the concerns regarding incorrect reporting on the Account ( no history and XXXX Accounts ) with a call into BA9. Exhibit I - Email dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX, stating the concerns regarding incorrect reporting on the Account with a call into BAThere seems to be no other way to get through to BA except filing this complaint through the CFPB. At this time I am asking that you request BA to immediate correct this error and to send written communication stating the correct history be reported immediately. I would also request that they place authorization on file to verbally confirm my pay history with XXXX XXXX, XXXX, XXXX and XXXX. I am not sure if you can levy fines or penalties for this type of behavior, but I would also like to see some type of fine levied on BA. 
Thank you for taking the time to review my complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This account was satisfied with the creditor XXXX XXXX XXXX ) the collection agency was XXXX XXXX XXXX, it was deleted back in XXXX of the current year. I am in the process of buying a house and I come to find out that the account shows up on my Experian report not only did my score go down, my interest rate being offered is higher and I can not buy my house until I get this issue resolved. I need this account deleted ASAP. I am submitting proof of deletion from other bureau.

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