BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-12
Company: POPULAR BANK
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I made a request to Banco popular XXXX times-one by phone, XXXX in person and XXXX by fax to change my ACH debit account number. Nothing was done. They continued to take the monthly payment from the account that I no longer wanted them to use. Last month, They took my payment XXXX {$120.00} XXXX from the old account and a week later they took an additional {$48.00} from the new account. I called customer service on XXXX/XXXX/16 and I was instructed by an employee named XXXX to fax statement screenshots to start an investigation. After I faxed the documents that day, an auto email was sent acknowledging receipt. but I have not heard anything from " XXXX '' nor have I received any resolution or even a timeframe of when the issue would be resolved. In addition to the unauthorized amount of {$48.00}, my financial institution ( also my employer ) charged me an insufficient funds fee of {$35.00} ... Changing the ACH account number has been such an execise in futility, that I no longer want the change. I am in the process of closing the new account for fear of Banco Popular is using my number to pay another client 's loan. I usually receive a monthly notice of the payment for the regular amount but did not receive XXXX for the mysterious {$48.00}. I can only assume that my account information went to the wrong person. This fiasco started on XX/XX/2016 when I walked into the XXXX XXXX branch to make the second request.Months earlier, I called XXXX but no forms were ever sent to me as promised.

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 2021-03-29
Company: BROKER SOLUTIONS, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
New American Funding sent me a Closing Disclosure on XX/XX/XXXX for to refinance my loan. That Closing Disclosure said that I would close on XX/XX/XXXX and disburse on XX/XX/XXXX. As of today, New American Funding is still scrambling and still hasn't scheduled a closing date. I would like to just cancel the loan at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below :??? XX/XX/2019 for 30 days??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit 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 explanation
Consumer complaint received 2022-08-06
Company: Block, Inc.
State: WA
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: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/2022 I used my XXXX XXXX card for dine-in at XXXX XXXX XXXX XXXX XXXX, WA. Square Inc is the payment processor for XXXX XXXX XXXX. As the payment processor, Square Inc is responsible for computing the sales tax rate on the point of sale ( POS ) system. Without prior notification, XXXX XXXX XXXX added a {$0.00} " Retail Service Tax '' when paying. This is in addition to the expected sales tax. I found out about the additional charge after swiping my card. There is no such tax called " Retail Service Tax '' in Washington State. The restaurant employees were not sure why this fee was added. There is also no posted notice of the fee. The restaurant was unwilling and unable to provide a refund, since they blamed it on Square Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: Ad Astra Recovery Services Inc
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not know what this debt is and they have deemed it invalid on my XXXX  report but it still lingers on my XXXX and XXXX reports. This is illegal reporting. Creditors have a duty to report accurate information to every single credit bureau they are reporting to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
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: Report provided to employer without your written authorization

Complaint:
In accordance with Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXX account XXXXXXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XX/XX/2012, XXXX XXXX account XXXX, XXXX BANK account XXXX, XXXXXXXX XXXX account XXXX, XXXX account XXXX, XXXX XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX account XXXX, XXXX XXXX account XXXX has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX amount of {$8200.00} date XXXX XXXX XXXX XXXX XXXX amount of {$65.00} XX/XX/XXXX account number 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 2022-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Capital One is not calculating interest correctly on its XXXX credit card account. I pay my balance in full every month, except for a bill due on XX/XX/2022. Here, Capital One charged me {$82.00} in interest for an average daily balance accrued on purchases made prior to that date. These charges violate XXXX XXXX own disclosure terms, found at https : //www.capitalone.com/credit-cards/quicksilver/ According to their terms, If you paid your previous months balance in full ( or if your balance was XXXX or a credit amount ), new transactions which post to your purchase or special purchase segments are not added to the daily balances. Also, transactions subject to a grace period are not added to the daily balances. 

Because I paid my previous balance in full, interest on the subsequent charges should not begin to accrue until after the grace period, or after XX/XX/XXXX. 

Moreover, Capital One does not send daily push notifications for interest charges they assess, but they do send notifications on other purchases. ( If a notification were sent, I missed it. ) Moreover, Capital One does not permit users to dispute the interest charges on their website.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: TX
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: Was not notified of investigation status or results

Complaint:
I sent letters to XXXX, Experian and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2015-10-09
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
On Wednesday XXXX the XXXX I went on Loan Depot 's web site and inquired by inputting my Name and phone #, after I hit submit I get a call in XXXX seconds asking me, how they could be of help. I was very impressed by their quick response. I spoke to a gentleman briefly, and he transfereed me to a loan officer right away, saying he is the man I need to talk to. XXXX XXXX came on the phone and asked me, how he could be of help. I told him I 'm in the process of purchasing a XXXX in XXXX XXXX, Ca. My offer XXXX XXXX was just accepted and that I was shopping for the best interest rates. He said he would be happy to help, and told me what his Company could offer me. After twenty minutes of conversation I had made my mind to go with Loan Depot for my loan. He said he could do this entire process over the phone, I agreed and I provided all the information he requested. I had asked him if that 's the best pricing he could do. And he said everything I tell you is recorded, and if I get a better price, Loan Depot would match it and give me {$500.00} as credit on closing the loan. That evening I met with the sellers agent and provided a deposit of {$3000.00} and signed the sale agreement. And that night, I emailed XXXX XXXX all the requested document, since my interest rate was locked. On Thursday the XXXX of XXXX I informed XXXX that XXXX XXXX XXXX had given me a better interest rate of XXXX on the same product he was selling me, and he told me to email him the XXXX estimate, he called me back and said they will match it, I told he would also have honor the {$500.00} credit since I had received a better deal with XXXX he said that should not be a problem, he would talk to his supervisor. He called me XXXX minutes later and said it 's done, now my origination fee would be {$390.00} instead of {$890.00} I told him to move forward, and to send me a revised quote. Later that afternoon XXXX XXXX XXXX XXXX XXXX called me and said that they are not able to give me the {$500.00} credit. I told him XXXX had promised me the Credit, and the conversation was recorded, he said will should have not told you that, until he had received an approval. I was frustrated and told him how could Loan Depot change their minds, that 's not professional. I had emiled you all my personnel information XXXX credit repot, bank statement, pay stubs, and many other documents ) He started to apologize I told him it was false advertising, but he really did not seem to care. Now my Credit score has dropped from XXXX to XXXX due to excessive inquires and burrowing my coast me more money, with another Lender

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I have savings account with Bank of America which is linked with Primary checking Account for automatic transfer. I never had fee associated with the savings since 2005. For the past two years there is hidden fee of {$5.00} on monthly basis, and there wasn't any mention of fees would be incurred to the account due to recent changes with the bank. Followed up with BofA customer service who are setting hardline on waiving or reversing fees applied to Saving Account in {$5.00}. The claim is to have minimum {$300.00} in saving which wasn't communicated in letter for recent changes coming to old saving account. As matter of fact asked for resolution, and Bank of America showed hostility & refrained from resolving matter as part of waiving fees on saving account which was occuring as per banking statement for two years. Need to contest those fees applied to Saving Account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-03
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: IA
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:
We switched banks, so we had to change the checking account that the automatic payment was made from. We requested the form from Aspire and then submitted it with the new information. Aspire cancelled our current payment ( even though we did n't request a cancellation ) prior to setting up the new payment so 1 monthly payment was missed. They then cancelled out interest rate reduction that we had for making our first payments on time back in XXXX or XXXX because of this missed payment which was their own fault that the payment was missed.

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 2017-02-16
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I contacted Experian to have the credit freeze removed from account. I was asked how long I would like it to last and I responded 7 days. The information was confirmed and then I was told that it would cost {$5.00} to complete the transaction. I asked if removing the freeze again would result in another {$5.00} charge and was told yes. I told the rep that I did not wish to reinitiate the freeze and it could be lifted permanently if a fee were involved. The rep told me it was too late and that he had already processed the refreeze. I told him you did not tell me there would be a fee to handle the transaction prior to questioning if I wanted to reinitiate a freeze. The rep said I did n't know if I could lift it until I already did it. I advised that I would be contacting the CFPB to file a complaint and asked to speak to a manager. He advised no manager available. Lifting this freeze on my credit will now cost me a total of {$10.00} of which I was not made aware prior to the processing of the order.

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 2020-01-16
Company: OCEANSIDE MORTGAGE COMPANY
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I purchased the subject property as a single person. When I refinanced the subject property with the current loan servicer I was married. Since it was our primary residence when I refinanced the property, the lender required my spouse to sign the security instrument ( Deed of Trust ) as a non-borrowing spouse. As of today I have never signed a Warranty Deed giving him any ownership interest in the subject property nor has he been an on any promissory notes associated with the subject property. Hence, the subject property remains my sole and separate property. 

Around XXXX of 2019, my husband filed for Bankruptcy. The subject property was not included in his Bankruptcy since he is not on the note or deed. Around XX/XX/2019 went online to make a payment, but this feature was disabled. The online system advised me to call to make a payment. When I called I was directed to the Bankruptcy Division. I advised them that I am not in Bankruptcy and my spouse has not financial or ownership interest in the subject property as he is not a borrower, on title, and purchased prior to our marriage. Since my y mortgage is not subject to my spouses Bankruptcy, the representative escalated the issue. However on XX/XX/2019 they retained an attorney to object to my husbands plan confirmation and falsely stated he was a debtor and on the deed. Despite several escalations, they continue to service my account as if I was in Bankruptcy including incurring legal fees, disabling payment features, and placing payments in a suspense account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: Westlake Services, LLC
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
well XXXX they gave me some insurance on the car told me it was all the life of a long for {$800.00} but in 6 months it was cancelled because that 's all I went for and they told me that I can get license plates and everything with that when I got it so I stop paying for my own insurance because this insurance and they told me a lie I could n't get plates with this because it 's not in XXXX that 's {$800.00} they still have any pain the long should be paid off they still coming at me so I need help because the car is paid off they called third parties on me they did a whole lot of stuff today shoulda called me all types of hours change dates they did n't tell me nothing about this is so messed up company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: EQUIFAX, INC.
State: FL
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:
in accordance with the Fair Credit Reporting act Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2018-02-07
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This credit reporting error has been removed from my credit report previously. The issue has now resurfaced and has been added back to my credit report. It is against the guidelines outlined in the FCRA for companies to remove invalid accounts and reage/ readd to their liking. This error needs to be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11
Company: Experian Information Solutions Inc.
State: OH
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:
This is my second dispute it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for an account with the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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