BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-26
Company: Netspend Corporation
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Not knowing what to expect with PayPal prepaid I bought one for my XXXX  son and when he went to register it they asked for his dob and as SS # then PayPal refused to activate it because he was a minor I tried to have them switch it to my name and PayPal refused with out all documents requested to include my license SS card marriage certificate because my name is different on my sons birth certificate which they requested as well as his SS card and a current bill with my address on it. I have been going back and forth with them for the last 3 days since XX/XX/XXXX they keep making up XXXX excuses When I send them documents its too blurry its not original document etc. I am a XXXX VETERAN which my license states and I feel like I am more then being taking Advantage harassed and discriminated against all for a XXXX dollar prepaid card. I feel this PayPal is fraudulent and now I have to worry what they will do with my information as well as my minor sons. I want this complaint to go forward people need to be warned and this company needs to be stopped and shut down. They steal peoples money and their identities and constantly give you the run around

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 2016-12-16
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
No knowledge of said debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-08-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2021 I settled a debt with XXXX cell phone company. The debt was paid in full and the account is still reported as unpaid on my credit report. 

I disputed the account on all three credit bureaus and provided proof that the account was paid in full, and the debt is still reported as unpaid. I have sent verification to XXXX and three credit reporting bureaus, but they have not investigated my dispute or acted upon it. 

Per 15 U.S.C. 1681i, the creditor has a duty to investigate my account, there was no investigation performed. The credit bureaus also did not correct the account when I provided proof the account was paid 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 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2021 I settled a debt with XXXX cell phone company. The debt was paid in full and the account is still reported as unpaid on my credit report. 

I disputed the account on all three credit bureaus and provided proof that the account was paid in full, and the debt is still reported as unpaid. I have sent verification to XXXX and three credit reporting bureaus, but they have not investigated my dispute or acted upon it. 

Per 15 U.S.C. 1681i, the creditor has a duty to investigate my account, there was no investigation performed. The credit bureaus also did not correct the account when I provided proof the account was paid 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 non-monetary relief
Consumer complaint received 2020-01-15
Company: Experian Information Solutions Inc.
State: GA
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 recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

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 2022-08-28
Company: EQUIFAX, INC.
State: OH
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:
The account with job and family services is XXXX XXXX XXXX and has not had a balance in over 10 years and is 6 years past the statute of limitations for reporting closed accounts. 

Can a competent human DELETE THE ACCOUNTENTRY?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
XXXX XXXX XXXX from the finance department of XXXX XXXX Toyota told me in an email on XX/XX/XXXX at XXXX XXXX  that canceling the GAP and service contract " would not lower my payment. '' After asking XXXX XXXX on XX/XX/XXXX at XXXX XXXX  by email for a cancellation, again on XX/XX/XXXX at XXXX XXXX   by email, writing the Dealership 's General Manager on XX/XX/XXXX, waiting 8 weeks and then asking again on XX/XX/XXXX at XXXX XXXX  ; the GAP and service contract amounts were refunded to Toyota Financial Services on XX/XX/XXXX. My online statement showed that my payment would be lower to {$190.00} on XX/XX/XXXX, but I have still been paying the full amount based on the information that XXXX XXXX XXXX from XXXX XXXX XXXX supplied. If XXXX XXXX is an authorized representative of Toyota Financial Services to advise customers of the amount of their loan payments, he is suppling confusing information, has an undisclosed financial conflict of interest and is acting beyond the scope of his role at the XXXX dealership. He could be motivated to do this as he financially benefits from the commissions on the GAP and service contracts. When he advised me to not cancel the GAP and service contracts in an email on XX/XX/XXXX at XXXX XXXX, he should have disclosed his financial benefit from these services or provided no advice at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX {$1300.00} XX/XX/XXXX These account are fraudulent and I want them remove at once. I am a XXXX victim of identity theft and will be writing the state and government about this fraud because it is not right and I have already submitted police reports. I want these accounts removed at once.

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 2016-03-26
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We fell behind on our mortgage payments but caught them up. After which we paid our XXXX mortgage payment on XXXX XXXX. Instead of crediting the mortgage payment the company held the mortgage payment in suspense. When I called to find out why, the representative stated that my mortgage was 60 days late and asked if I was calling to correct the issue. I told him that he was incorrect and explained the reason for my call. He refused to discuss the XXXX payment. He stated that instead he needed to verify my ability to make mortgage payments moving forward. I explained again that my mortgage was not behind and had been credited correctly reflecting this fact through XXXX. I was not calling to make a payment arrangement, or get a loan modification, I was calling to find out why the XXXX payment was not credited and is sitting in suspense. He refused to provide this information. I prepared and sent a request in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had my Chase XXXX XXXX credit card for several years and was never late on my payments. I missed the XX/XX/XXXX minimum payment of {$35.00} but paid {$500.00} which Chase received on XX/XX/XXXX. I called the automated system to see what my remaining balance was. I currently owe {$190.00}. The automated system said that the account was closed. I spoke with a customer service representative and was told that because I missed the XX/XX/2020 payment of {$35.00}, my account was closed by Chase. I paid more than the minimum payment due and they have the nerve to close out my account during the COVID-19 pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I took out a loan from XXXX XXXX XXXX ( a well known lender ) for {$5000.00} to pay unexpected expenses and deposited it to my USAA checking account on XX/XX/20 ; and USAA put it on hold as a Fraud alert the next day causing my account to go into the negative for {$2900.00}. USAA 's executive support team stated after XXXX days of trying to find out what happened that their fraud team stated no reason at all for placing my deposit from XXXX XXXX XXXX on hold for the purposes of fraud. 

On XX/XX/20 the {$5000.00} balance was made available and I started paying bills. The very next day, they placed my account on a fraud alert and spiraled my account balance into the negative for {$2900.00}. 

USAA is also currently constantly attempting to charge my USAA credit card for my checking account negative balance that they themselves caused with again, no reason noted in my account according to their staff.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Dear Consumer Financial Protection Representative, My complaint number is # XXXX. Since filing our complaint to you, there has been more errors made on the Citizens One Auto Finance PAYMENT HISTORY SHEET FOR US, that Citizens sent to us.. They are still stating that certain payments have not been made. Now they have XX/XX/2015, and XXXX 2015 also as not paid by us. XX/XX/2015 payment they have as not paid we already told you about. I am attaching the BANK STATEMENT RECEIPTS FOR THESE PAYMENTS THAT WE MADE. ALONG WITH ALL THE PAYMENTS THEY SAY WE DID N'T PAY. AND BANK RECEIPTS AGAIN. They need to adjust principal balance, Remove late fees and clear false credit reporting that they have made. I am also including where they started to charge late fees when was not owned. Please look at sheets. Thanks .Our payments are {$480.00} on the XXXX of the month with a 10 day grace period following the XXXX of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2022-02-22
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX XXXX XXXX XXXX has incorrectly reported a late payment for XXXX of 2021. My vehicle and its loan was sold to the XXXX dealership as a trade in for another vehicle at the end of XXXX. The dealership paid off the loan balance in full then in XXXX I received a overpayment refund check from XXXX XXXX. The report statement is inaccurate. I have visited a branch manager who confirmed that the report is inaccurate, as well as submitted 3 disputes through both Experian and XXXX XXXX 's internal dispute center each time with more information, yet the decision has remained the same. This needs to be removed as it is illegal to report inaccurate information 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 2020-09-26
Company: Freedom Mortgage Company
State: ME
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This entire process has taken over 90 days. The buyer of my current home and I both are using Freedom Mortgage. Our loan has been given a clear to close but the buyer of our current home is receiving no updates has to why his mortgage is stuck in underwriting. This is creating a dilemma for us because our seller does not want to sign another extension. I spent hours on the phone being bounced around between departments because no one could give us answers. My problem with this whole process is that its been 90 days and they should had all this paperwork looked through and done before the last week of closing. I will give it to Freedom that my buyers employer messed up paperwork but that shouldnt have held up the closing for a week and especially with no updates. I hope to resolve this but I am not confident that it will be in a timely manner and we might lose our future home, along with inspection costs, appraisal costs, and may be taken to small claims court by the seller.

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 2015-07-30
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There is an item I have disputed several times reflecting XXXX Mortgage which the first date of delinquency has been past 7 years, the late payments reports every month balance, past due balance on this stated collection. There is nothing accurate about this account. I am requesting some assistance from your company

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My husband and I were denied a loan from Bank of America because we could not provide a " guarantee '' of future employment of three years. We XXXX provided letters stating high probability of employment, which is all that was required initially, from our supervisors and HR. The letters and our loan was later denied because it was not a " guarantee ''. My husband and I both hold XXXX degrees XXXX and have XXXX. We are in good financial standing. According to others at Bank of America, the verbiage of the requirement should not demand a 'guarantee ', rather a high likelihood. 
In addition to this, our loan officer and her supervisor at Bank of America have maintained poor communication with us throughout the entire process. It became evident to me very early on that our loan officer did not actually read our emails, and thus never answered direct questions asked of her, even when called out. I contacted her supervisor over this who returned my initial phone call to him said he would look in to the matter and would call me back. He called me back three days later, having forgotten he had already returned my phone call. He did not remember our conversation, listened again, and then said he would discuss the situation with the loan officer and call me back. He never did. I left another unanswered message for him since then. Throughout the process his emails to me have not been in complete sentences and when I have spoken with him on the phone I am either on speaker phone or he is driving. Complete lack of professionalism. I have since contacted HIS superior who also does not return phone calls. 

I have paid fees to Bank of America totaling {$470.00} which I would like refunded. Their service to me is incomplete, and the reasons for their denial of my loan application are absurd. The customer service is far from adequate and the communication with and among them is appalling.

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 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX5 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-08-28
Company: EQUIFAX, INC.
State: NJ
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 have closed my XXXX Bank credit card account and they refuse to send the updated information correctly. I disputed with them twice and they just send back thats its verified. How can it be verified as closed when the account is still reporting to two of the credit bureaus as open. The only that that ever updates is remarks added to account and they state the information is up to date when its obvious that isnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Dear friends at CFPB, Bank of America is in violation of the California Homeowner bill of rights Restriction on dual track foreclosure : " Mortgage servicers are restricted from advancing the foreclosure process if the homeowner is working on securing a loan modification. When a homeowner completes an application for a loan modification, the foreclosure process is essentially paused until the complete application has been fully reviewed. '' On XXXX XXXX, 2016 Bank of America confirmed that they have a complete application for my loan modification, but have made no effort to remove the sale date. My home is scheduled to be Foreclosed on XXXX XXXX. As of my phone call with XXXX a CRM at Bank of America on XXXX XXXX, she confirmed that XXXX my paperwork had been fully accepted and received by underwriting. She confirmed that there was no further paperwork needed for the underwriting department to evaluate the file and it will take time for them to review the file. She said that no effort to stop the foreclosure the house on XXXX XXXX even though all paperwork has been fully accepted until further notice. 

My only phone call with the new CRM XXXX XXXX was on XX/XX/XXXX where she said if I got a complete package in 2 weeks before sale she would request for postponement. The only appointment XXXX would set up with me to speak XXXX XXXX again was on XX/XX/XXXX due to her busy schedule. 

This is clear evidence of a dual tracking violation. I am sending you a prayer of relief that you tell Bank of America to follow the law, stop dual tracking, remove the sale date immediately. 

Thank you for your service, 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 explanation
Consumer complaint received 2016-08-22
Company: The CBE Group, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company CBE Group ( I only know the name of the company as I called the number back ) calls 6 times a day from XXXX different numbers. If I answer they hang up, if I do not answer they wo n't leave a message. Finally they called and some one actually spoke. He never indetified himself or the company he was calling from. They wanted me to give them my address, social and birthdate. I did not give the information. I asked several times what this was in reference to, they said they would not tell me unless I gave the above information. XXXX XXXX XXXX and XXXX XXXX XXXX are the numbers they call from.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: ID Analytics, 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: Account information incorrect

Complaint:
You are reporting my credit score at XXXX. It was XXXX, 3 years ago. My credit score with XXXX is XXXX. It seems you should update your records before reporting a faulty credit score. I have worked so hard to get this up and you made me look terrible. Thanks a lot! 

XXXX XXXX was able to help me finance a car.

Company response to consumer: Closed with explanation