BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My credit report list XXXX of my employment is the XXXX.i have never worked for the XXXX.my ex husband worked for the 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 non-monetary relief
Consumer complaint received 2021-10-11
Company: SYNCHRONY FINANCIAL
State: IL
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:
XXXX XXXX - XX/XX/XXXXXXXX XXXX Syncs/aeXXXX- 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 Syncb/AmazonXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Syncb/PayPal XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX There are all fraudulent inquiries that I dont not authorize the creditors to run my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I operate several XXXX in Florida and obtained XXXX building mortgages through Bank of America. My issue is that XXXX of the XXXX loans were paid off after about 5 years into the loan. I recently tried to pay off the third mortgage that I had approximately 9 years, but was told that if I paid it off I would be subject to a prepayment fee of almost XXXX! I am shocked and stunned that after 9 years i would be subjected to a prepayment fee. When i spoke to my premier banking advisor he said he was as well surprised but could not help me because it would interfere with his cost benefits. He referenced my loan as a " mako '' loan and has a life prepayment provision. I have been banking with BOA for over 20 years and he said that my prior advisor with BOA mislead me. I am asking for resolution as a loyal BOA client but have no recourse. I feel mislead and deceived by BOA and wish to have your intervention to assist in a favorable resolution.

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 2021-10-11
Company: EQUIFAX, INC.
State: OR
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23
Company: FIRST HAWAIIAN, INC.
State: HI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have had a pending issue with First Hawaiian Bank, regarding a scam that took place. In the previous complaint i filed it goes into more detail. I was given a fraudulent check in which i deposited {$2600.00} into the bank. The next day, even though the check had n't been cleared, i was allowed to withdraw half of the money. First Hawaiian Banks policies state that until the check has cleared, only {$200.00} would become available to me next day. Yet, I was able to withdraw more than stated amount. This is an excerpt from First Hawaiian Banks website on their policies for depositing checks. 

Q : What does it mean if I receive a hold on my account after I have made a deposit? 
A hold means that although we 've received your check for deposit, you wo n't be able to use the funds until the hold period has expired. Depending on the type of check that you deposit, funds may not be available until the third business day after the day of your deposit. However, the first {$200.00} of your check deposits will be available on the first business day after the date of your deposit. If the deposited item is returned unpaid before the hold expires, those funds will not be made available to you. If the deposited item is returned after the hold expired, we charge your account for the amount of the item. Holds are placed to help protect both you and us from losses that could occur when a deposited item is returned unpaid. Situations that typically cause a check to be held include : -There is reason to believe the funds may be uncollectible-The source of the check ( e.g., foreign checks ) -The account is a new account ( new account rules apply for the first 30 days the account is open ) -The account has repeated overdrafts in the last 6 months-You deposit checks totaling more than {$5000.00} on any one day-Fraud is suspected-The check was previously deposited, then returned unpaid-The check was not properly endorsedAs a XXXX year old, making her way through the tough economy that is XXXX, I never had much money in my bank account, and if First Hawaiian Bank checks their records they 'll find that previous to this transaction my account had been over drafted several times before. At the time I deposited that fraudulent check, i only had about {$3.00}. I will not pay for the negligence of First Hawaiian Bank, I should have been protected under these policies that are stated so clearly on their website for everyone to see. A hold should have been put on my account. Never had I deposited a check that big before into my account, that should have been a red flag in itself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment, by check, to Citi Cards on XXXX XXXX by mail. My Credit Union deposited the payment to CitiBank on XX/XX/2021. The bill was not due until XX/XX/2021. The payment to my account has not been credited despite several contacts Via CitI-Bank 's online Feedback service and a call to Customer Service XXXX I have told CitiBank that I have a copy of my Check processed by my Credit Union. I asked for a manner to send them the copy electronically and I was told I could only FAX it. They are closed today for XXXX XXXX, so I will attempt to FAX the copy tomorrow. Customer Service did not tell me they were closed today. Their Customer Service is useless. I tried using their online Chat and Feedback services and was told the problem could not be resolved. I called Customer Service I could FAX the Copy and then was transferred to Billing where I was told I couldn't FAX it. When I told the agent that the rep who transferred my call said I could FAX it he agreed saying I could. Tried 8 times today, but because of the Holiday their FAX machine ( s ) aren't answering.

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 2017-03-22
Company: Navient Solutions, LLC.
State: MI
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:
Navient, the nation 's largest servicer of student loans, has for years misled borrowers and made serious mistakes at nearly every step of the collections process, illegally driving up loan repayment costs for millions of borrowers, according to lawsuits filed on Wednesday by a federal regulator and two state attorneys general. 

Navient does not make the loans, but it holds lucrative contracts to collect payments each month on behalf of banks, government and other lenders. 

From XX/XX/XXXX to XX/XX/XXXX, CFPB estimates that Navient 's practices cost borrowers up to {$4.00} XXXX in extra interest by repeatedly enrolling borrowers in forbearance. CFPB also found that many federal student loan borrowers were unaware that the government could pay part of the interest charges on their loans when personal circumstances prevent borrowers from keeping up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
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 status incorrect

Complaint:
I am writing to dispute the following information that XXXX XXXX supplied to XXXX, Equifax, and XXXX. 

This item in question is a XXXX XXXX account that was opened XX/XX/2017 with a credit limit of {$1300.00} is inaccurate because it was reported late and charged off. I have proof of the payments made in the months in question. I am requesting that XXXX XXXX have the items removed and adjusted. I was about to get copies of my past banking statement from months in question, showing the payments were made on this account to XXXX XXXX. Payments are highlighted on my statements. 

Enclosed are copies of banking statement supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete and correct the disputed items as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Payment Where Being Made But The Correct Amount Deductions Were Not Coming Off Of The Student Loan Balance HELP!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: Experian Information Solutions Inc.
State: OK
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:
In XXXX of XXXX, my FFEL student loan for the amount of {$55000.00} was marked as forgiven by XXXX and the US Department of Education due to the fact I am a 100 % XXXX veteran. 
XXXX the loan holder was contacted about this and in XX/XX/XXXX the loan was no longer on my credit and my account was shown as closed. 
In XXXX of XXXX I noticed I had a delinquent student loan for the amount of {$24000.00} showing on my credit report. When I contacted XXXX they told me that my loan that was forgiven was a consolidated loan with my Ex-wife of 11 years, so the {$24000.00} had to be paid by me since she was not paying. I received no information on this until it was delinquent and negatively affecting my credit. My credit score dropped from XXXX to XXXX because of this action. I paid all fees to bring the loan current and I have been paying this loan since then. 
In XXXX of XXXX I noticed on my credit report that XXXX was now reporting the {$24000.00} student loan of my wife 's and they had added back the original student loan, but increased the amount to {$66000.00}, which is an increase of {$10000.00}. So now showing on my credit report is a loan for {$66000.00} and a loan for {$24000.00}. 
I would like to be clear on this math, my original student loan amount that was forgiven was {$55000.00}, now my student loan debt showing on my credit report is {$90000.00}!!!! How can this be??? 
I have contacted all credit bureaus and disputed this reporting, all say the reporting is correct. I have contacted XXXX by telephone and their dispute process. They will remove the error on one reporting cycle, then in a couple of weeks I receive a letter saying the reporting can't be changed and the next credit cycle it is back on my credit and my score drops drastically. I have called every person at XXXX that will talk to me but no one will fix this continuing error. 
I am a XXXX veteran on a fixed income, needless to say this is very negatively affecting my quality of life and living situation. I have called and sent letters to every resource I can and I can't get any help on this issue.

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 2021-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have set forth all the details about my complaint in a letter sent to the credit card company. Capital One. The underlying complaint is against a fraudulent sale by XXXX XXXX. They sold me a ticket which could not be used due to Covid-19 travel restrictions. They then refused to refund my money when I told them that they had sold a ticket which could not be used. I complained to Capital One, and they rejected my request for rejection of the purchase. 

Capital One sent me a letter accompanied by 11 pages of " documents '' supplied by the merchant. However, these " documents were illegible and therefore useless to me. I have attached only Page 1 of the 11 illegible pages as a sample, but I can provide the remaining pages if necessary. Please note that I received Page 1 and Pages 3-12 of the " documents '' from Capital One ; I did not receive Page 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Pursuant to complaint XXXX filed on XX/XX/XXXX, I was re-charged an additional {$140.00} again on XX/XX/XXXX. On enquiring why this was charged, the company informed me that this was again due to making my first payment 2 days late. So, American express has charged me {$310.00} interest on a balance of about {$10000.00} for 2 days, effectively an interest rate of 550 % annualized. That is not a typo. This is hypocritical and an obvious violation of all UDAAP rules and company ethics.

I would like to request the CFPB commissioner to investigate company practices to ensure American Express is prohibited from using such deceptive practices to actively swindle cardmembers of significant sums.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Selling my house, got XXXX payoff statements from Bank of America and XXXX verbal amounts. All amounts agreed. This loan was modified XXXX. I asked if there was an additional outstanding loan. I was told no by XXXX BOA employees. I was told everything was rolled into the modification. The closing on the sale of this house is XXXX XXXX, and in the title search, BOA stated there was a {$22000.00} balloon payment due HUD. They would not provide title company with how to pay this off, nor contact information, nor documentation. I have never received any documentation on this loan. I was assured XXXX times ( XXXX verbal, XXXX written ) this loan did not exist. It did not show up on my credit report. I have no documentation for this debt. BOA refuses to give validation of this debt. I began this process 4 months ago, and now with just over a week to closing BOA now says there is another loan against this property. They kept the title company representative on the phone for an hour saying my signature was not valid and they would not release information to the title company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had charges processing on XXXX/XXXX/15 which would have put me in overdraft. At XXXX on XXXX/XXXX/15 my SS check was deposited ( processing ), none of the charges had been posted, they were still processing. Today XXXX the charges showed up as cleared on XXXX/XXXX/15 which also charged a XXXX overdraft fee. That transaction showed up as still processing at XXXX on XXXX/XXXX/15. Also at XXXX it showed my SS deposit as XXXX then all the charges. I believe that Bank of America is manipulating deposits again to get overdraft fees. I can not print my on line acct to prove that. I have received in the past refunds from BOA manipulating overdraft fees. I 'm tired of this!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-11
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started a refinance on a property I owed with U.S. Bank on XXXX. They approached me about doing the refinance. I owe approximately $ XXXX on current loan. They assured me a better rate. Appraisal was done with a value of $ XXXX. I always gave them any documents requested within 24 hrs of request. Underwriting couldn't get loan processed within the 30 days. I was sent loan denial by mail on XX/XX/XXXX. I was assured loan would go through and was assured a loan rate of 2 %. On XX/XX/XXXX underwriting again did not get loan processed. They then asked to do a credit check and I needed to resubmit all bank documents again. I have a credit score of XXXX. I was not willing to give them the documents again and the loan is cancelled. The treatment I received by U.S. Bank was absolutely horrible and humiliatingly.

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 2017-08-15
Company: BROKER 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:
I called and spoke with a representative about the promotion, asked to not have my credit pulled and was told there would be no hard pull on my credit, and indeed they did pull my credit, without authorization. Called the company directly to dispute and they said that I gave verbal authorization, I asked for proof of agreement and they had none, yet they refused to remove the hard inquiry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: EQUIFAX, INC.
State: DE
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:
Pursuant 15 usc 1681 ( a ) ( 4 ) i am a consumer of this federal corporation. My federally protected rights have been violated. I HAVE NEVER SIGNED A CONTRACT OR PROMISSORY NOTE WITH FIRST POINT COLLECTION SOURCES WHICH IS A VIOLATION OF 15 usc 1692e. NOR HAVE I GIVEN WRITTEN CONSENT FOR THIS ITEM TO BE FURNISHED ON MY CONSUMER REPORTS. WITHOUT MY WRITTEN OR ORAL CONSENT ANY COLLECTION OF A DEBT ON MY CONSUMER REPORT IS A VIOLATION OF 15 usc 1681b. EACH VIOLATION IS PURSUANT WITH 15 usc 1692 K, WITH EACH VIOLATION BEING WORTH {$1000.00} EACH OR 1 PERCENT OF THE COMPANIES WORTH. I DEMAND THESE ITEMS BE REMOVED FROM MY CONSUMER REPORTS OR PAY ME {$1000.00} FOR EVERY MINUTE THAT ITS BEEN ON MY CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: CarMax, Inc.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
CARMAX AUTO FINANCE ACCOUNT XXXX AMT OWING {$2900.00} THEY REPORTED ME LATE XX/XX/XXXX AND XX/XX/XXXX. I LOOKED INTO BOTH PAYMENTS AND THEY WERE PAID BEFORE THE 30 DAY MARK. CARMAX WAS NOT POSTING MY PAYMENTS AND GIVING ME CREDIT ON THE DAYS I PAID, THERE WAS MULTIPLE DELAYS FROM THEM POSTING PAYMENTS FROM THE DAY THE ACTUALLY RECEIVED WHICH LEAD TO THESE 2 PAYMENTS BEING LATE. THEY INVESTIGATED A FEW OTHERS FOR ME THAT WAS LATE AND CORRECTED THEM BUT THESE 2 HAVE YET TO BE CORRECTED

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a corporate auto loan with Bank of America. The loan has been on autopay via Bank of America 's system since the XXXX payment in XXXX. In XXXX XXXX, this autopay was cancelled with no reason or notice from BoA and they claim to have no understanding why it was cancelled. When they called me to notify me of a late payment, I immediately made the account current, and was told that all interest and late fees would be waived and my credit would not be marked. Of course my credit has been marked, being the only negative information on my credit report. I have gone through BoA 's correction process and they refuse to remove the negative information and will not give any information beyond saying " the information reported is accurate. '' Which, obviously, it is 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 non-monetary relief
Consumer complaint received 2017-08-14
Company: Experian Information Solutions Inc.
State: AL
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: Problem with personal statement of dispute

Complaint:
IN PREVIOUS COMPLAINT REGARDING XXXX XXXX XXXX XXXX ( XXXX ), THEY ALLEGED THAT THE ( XXXX ) DID NOT RECEIVE SUPPORTING DOCUMENTS TO DISPUTE A CLAIM OF AN OUTSTANDING BALANCE OF THE ACCOUNT IN QUESTION. I HAVE ATTACHED MY BANKING STATEMENT FOR THE AMOUNT OF {$490.00} DATED XX/XX/XXXX,2011. AGAIN, MY PERSONAL BANKING STATEMENTS WILL CONTINUE TO SHOW THE {$490.00} AS WELL AS THE {$7700.00} WHICH REPRESENTED THE PAYOFF OF THE LOAN. ALSO, THE CONFIRMATION FROM MY PERSONAL BANK AS STATED IN THE ( XXXX ) 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 non-monetary relief