BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On Monday XX/XX/XXXX I tried to use my debit card to make a purchase and it was declined, I checked my account to find out why the transaction was declined and found out that my account was overdrawn. I called the XXXX on the back of my card and I was told there was a fraud hold on my account and was transferred to the fraud department, after holding for over 2 hours I was told the fraud department was closed and to call back the next day. On Tuesday I called back and the fraud department said they were NOT the ones who put the hold on my account. I went into a bank branch on Tuesday and I was told my account was frozen so as to carry out an investigation on suspicious activity. The bank was unable to give me specifics. They called the department on my behalf to find out what was going on and the person the bank agent spoke to was sent an email to give me and the department refused to speak with me after I asked to speak with them. My husband also checked his account after I told him what was going on with my account and realized he had a hold on his account as well. I have been calling the bank to at least release some of my funds to me so I am able to eat and buy gas but they have refused, leaving me stranded as I have NO money to spend.

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 2022-08-16
Company: Bread Financial Holdings, 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:
Have made several attempts to the 3 credit reporting agencies along with CCB/ XXXX XXXX to notify them that I have been a victim of identity theft by my ex-husband. They continue to claim that the information has been verified. How can it be verified if I have enclosed my Identity Theft Report. and my consumer report is still not accurate. For that reason I have been unable to refinance on my home per the Final Judgement of the Dissolution of Marriage deadline. I will also enclose of copy of the judgement as additional proof that my ex-husband has agreed to pay that account. Their blatant disregard to my request has caused me to have been denied of financing. I am now demanding that the CCBXXXX account XXXX be deleted IMMEDIATELY or I will have no choice but pursue litigation for the damages that has occurred to my livelihood. 

I am also requesting that all inquires be removed from my report IMMEDIATELY for I didn't provide written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear All : On Monday, XX/XX/2021 in the afternoon, someone usurped my identity entered my online account, and affiliate in my account a beneficiary totally unknown to me and not recognized, and I make two online bank transfers : XXXX USD and XXXX USD Previously altering all the security parameters of both my account for example add a telephone number that no mine : XXXX XXXX XXXX and those of the bank, since my account did not have approval to make transfers for amounts greater than XXXX USD. 

I have been trying to formalize the complain in the bank and they do not take it from me because I am in XXXX despite having confirmed all my information by phone. 

According to the information indicated in the registry of my operations, the beneficiary of this fraud is named XXXX XXXX on behalf of XXXX, XXXX XXXX, registered in XXXX Principal AddressXXXX XXXX XXXX XXXX  XXXX, FL XXXX Please, help me to solve this fraud, this money are my savings and that of my family, I dont know what more to do! 

Best Regards 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 monetary relief
Consumer complaint received 2018-10-05
Company: I.Q. DATA INTERNATIONAL, INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To whom it may concern : I have a collection account on my file from a collection agency, IQ DATA INTERNATIONAL, the accounts is as follows ( IQ DATA INTERNATIONAL account # : XXXX ). Please be advised that I am disputing this collection due to, IQ DATA INTERNATIONAL & XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX, does not currently have a valid license in Louisiana to collect on debts. The information attached is not yielding and results for an active license with for this company according to, Louisiana Secretary of State ( XXXX XXXX XXXX ). I am requesting the the matter be investigated and delete these accounts from my credit file immediately or provide me with physical proof that IQ DATA INTERNATIONAL is licensed to collect debts in Louisiana. Your immediate response will be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: JPMORGAN CHASE & CO.
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: Old information reappears or never goes away

Complaint:
CHASE XXXX Account # XXXX IS PASSED THE SEVEN YEAR MARK ON MY CREDIT AND IS NEGATIVELY AFFECTING MY CREDIT SCORE! 
THIS ACCOUNT HAS BEEN CLOSED FOR OVER SEVEN PLUS YEARS AND IT NEEDS TO BE DELETED AS PER ( THE FCRA ) THIS IS CAUSING ME FINANCIAL HARM! 
PLEAE HAVE THIS DELETED FROM ALL THREE CREDIT AGENCIES. 

THANK YOU VERY MUCH

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a prior HELOC loan that was converted to a subordinate lien against my home by XXXX XXXX Bank in XXXX. I had filed for bankruptcy and mortgage protection for my primary mortgage but it was not accepted or recognized for my HELOC. They called in the loan and refused to take payments unless it was paid in full. In XX/XX/XXXX thry sold my subordinate XXXX to a loan servicer who also would only take payments in full. I have tried a short payoff and modification but thry were rejected. The balloon payments have {$27000.00} in interest attached to the original {$3000.00} loan balance. I have attempted to mail payments to show a payment history but the payments are returned and the servicer won't show any records of my attempted payments. The company is called Specialized Loan Servicing out of Colorado. I don't qualify for a refinance because of the delinquent status and I don't qualify for a large enough personal loan to pay this {$57000.00} bill in full.

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 2022-08-15
Company: EQUIFAX, INC.
State: NY
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:
I have contacted Equifax by phone and by mail about all the inquiries on my consumer report as I have not applied for any consumer credit extensions. I have requested proof of these investigations and outcomes of these investigations and have recieved no information from equifax. My rights to privacy have been violated and I have never given equifax permission to furnish any of these inquiries because I have no idea of any of them. Equifax continues to be willfully noncompliant and negligent on deleting these hard and soft inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
I have called Capital One twice to understand how my minimum payment is calculated. I have experience with credit card calculations since I use to work for a local bank where I handled credit card openings, closings, payments, system issues, etc. So, my knowledge of the subject is very extensive. Here is my issue with how they say the minimum payment is calculated : 1 % of your principal balance, plus fees and interest, the 1/12th of your annual fee ( if you have an annual fee ). Yet, they apply the payment differently. They apply the minimum payment as : principal, interest, and " fees '' ( if any ). They have said that 1/12th of my annual fee that they required to be a part of my minimum payment is actually being applied to the principal balance. This is in favor of the customer but is misleading since I still will have to pay the full annual fee when it comes due. If a company 's minimum payment requires 1/12th of the annual fee to be calculated into the minimum, then that 1/12th of the annual fee should apply to the annual fee. I have confirmed twice that it is n't going towards my annual fee. I have tried to get something in writing on " how the minimum payment is calculated '' but they only send me my " current terms '' and " agreement '' which does n't include how the minimum payment is calculated. I still have what they sent me in my possession. So, I can not get a confirmation in writing that this is truly how it works. My concerns are : is my payment truly being calculated as they say, is my payment truly being applied as they say, it seems unfair and misleading to those credit card customers who do have an annual fee to have a minimum payment include their annual fee yet still responsible for the full annual fee at a later day, it 's also unfair that a credit card consumer with an annual fee has a higher minimum payment calculation than those that do NOT have an annual fee ( most with an annual fee are rebuilding their credit and have a limited income ), should n't how they calculate their minimum payment public knowledge and/or in writing where it is easily accessible?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Bread Financial Holdings, Inc.
State: NC
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 did not receive a statement for this card until it was 2 months overdue with 2 late fees. I attempted to check my balance online and their website was down for 2 weeks. I tried to call customer service and was disconnected each time someone " tried '' to help me, after being on the line for over an hour. This has been going on for over a month and the late fees have not been reversed ( when I was told they would be ). I have called 8 times with the same result - call is disconnected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Some one opened up an checking account under my name and then got unemployment in my name.

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 2017-04-17
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Midland Funding is reporting on my credit for XXXX debts. I do not know anything of these debts as I have not done business with Midland Funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: KEYCORP
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I opened a home equity line of credit with XXXX back in 2005. In this contract I agreed that if I made additional payments to my loan, the extra payment would be applied to the principle to help pay down my loan faster. Twelve years later, I was online and I made two successive payments on this loan. The first payment was divided up with some paid toward interest and the additional amount paid towards principle. I logged back in about 30 seconds later and repeated the same payment amount and the system just took the entire amount but did not say how it was being applied. I called up XXXX to further the conversation and I found out they have NEVER applied my extra payments as my contract stipulated. I have escalated this issue within XXXX and their executive office committee to resolve and they are trying to tell me that their system could not do this until last year and she could not go back more than 12 months to fix this issue. 

I need CFPB to step in an ensure I am no longer being taken advantage of for their inability to uphold their end of the contract due to system limitations or personnel laziness ( she said she cant go back more than 12 months -- all of my statements/payments are available for her ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: Rosebud Economic Development Corporation
State: MN
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Having some place called XXXX calling my work and I have never received anything in writing from them regarding this so called debt that I owe.

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 2021-12-13
Company: CITIBANK, N.A.
State: NY
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:
CBNA  done a credit pull on my identity as of XX/XX/2021. I have not applied for any credit as of XX/XX/2021. I am at home and not using the internet for any credit. 
Please take this hard inquiry off my credit report. Someone is trying to get credit of my ss number

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 2021-12-13
Company: ENCORE CAPITAL GROUP INC.
State: VA
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 the consumer, never received proper validation of debt which should include XXXX required items according to congress although my consumer report does reflect that they showed an active dispute. This further confirms that their practices are deceptive and illegal. 

Pursuant to XXXX Purposes of Consumer reports 15USC 1681b I never gave this third party debt buyer as described as account type. So they are calling themselves a debt buyer which insinuates that I the consumer owe an alleged debt which is also a violation Furthermore, I never gave written communication giving this debt buyer the right to furnish this information on my consumer report which per 15US 1681b states that they must have either written consent or subpoena by federal law to place information on my consumer report which none have been provided. 

Please provide details to substantiate contract or right to be debt buyer on behalf of the original debtor as shown on my consumer report as XXXX BANK. Furthermore, the contract between myself the consumer and Midland Funding to illegally humiliate me by furnishing this incorrect information without my consent. 

Furthermore, my consumer report currently reflects that Midland Funding completed investigation of FCRA dispute. 15 USC 1681a of the FCRA defines an " investigative consumer report " by performing a personal interview with neighbors, friends, or associates of the consumer. 

As you show on my consumer report you performed an investigative report. Please provide proof of whom you spoke with to confirm that information listed in my consumer report is true and accurate. 

While I know that this type of interview was not performed to substantiate your alleged investigation I am forced to move forward with pursing violations as outlined in the items above. 

You will also remove this information from all my consumer reports immediately or I will be forced to persecute your company for not only violating my consumer reports per federal law, but also deformation of character based on your false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft and have collection accounts and credit inquiry that is fraudulent, unauthorized and do n't belong to me. The following collection accounts and credit inquiry do n't belong to me : XXXX, XXXX/XXXX XXXX/XXXX, XXXX/XXXX/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 non-monetary relief
Consumer complaint received 2017-04-14
Company: LTD Financial Services, L.P.
State: GA
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 subject to collection activity by Ltd Financial services i have disptuted this debt and collection me methods myself and through my attorneys. so far, neither my attorneys nor i have been able to get veriification of the debt owed. after a settlement for violation of of FDCPA in retaliation LTD reported to XXXX, XXXX and XXXX this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is the fifth time my family has complained about this fraudulent, predatory lending practices loan y Wells Fargo. This is loan # XXXX, XXXX. The new information we have is the company sent us a response letter and they are calling this loan a Conventional type loan. This is a ( DIY ) or Daily Simple Interest loan that we still owe XXXX on since XX/XX/XXXX. Well Fargo took over servicing this loan from a company that was found guilty in the sate of Ohio for these type of loans. During the transfer of the loan Wells Fargo bought all the fraudulent loans for XXXX but did NOTHING to make things right with our loan, e.g. change the terms to meet proper federal lending guide lines. We requested and received our account history back to XX/XX/XXXX and found Wells Fargo guilty of not reporting our on time payments that were being held as unapplied. Furthermore, none of the money was applied to our loan in the amount of XXXX. Lastly, on their recorded line I got them to omit they falsely had our account as late and charged XXXX per month. This has been fixed we think. We have dealt with and pleaded with over approximately XXXX to XXXX different representatives. Right now its XXXX XXXX or XXXX XXXX or XXXX XXXX. Finally, we have requested all HUD-1 's and appraisals since early XX/XX/XXXX and still have not received them. We get 2 letters per month saying that we need more time to research and find the information. Please do something with this Fraudulent company who just had their CEO step down. 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 2017-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
According to XXXX XXXX was removed from my Transunion credit between XX/XX/2017. I checked out my Transunion credit report online this morning and the collection item is reporting once again.

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 2017-04-21
Company: AES/PHEAA
State: MN
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:
This past year I officially changed career fields to follow my passion, going from business to education. Taking advantage of the  XXXX   Grant (  {$8000.00} upfront for school fees in exchange for serving in a high need field in a low income school ) allowed me make this change.     I am now fulfilling the goal of the program working as an  XXXX    XXXX   in a   XXXX   XXXX   XXXX    (   XXXX   XXXX   XXXX   XXXX ,  XXXX , MN ). Recently, I received notice that my {$8000.00} grant was turned into a loan that I have to repay because I did not follow their fine print rule of informing them that I am in fact fulfilling the goal of the program. They sent three notices by email that went to my junk mail before I could read them, and then they sent a piece of real mail to my house stating that my grant had been converted. They claim there is nothing I can do to reverse it.     I believe it is unjust that I could so easily be robbed of my grant when I am fulfilling the goal of the program. Additionally, the fact that I did n't receive a paper copy notice until it was too late makes their communication process seem inadequate.

Company response to consumer: Closed with explanation