BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, I reported to Capitol one about some fraudulentcharges to my credit card. Most purchases were in the teens so I did not spot any false charges ... Total {$640.00}. Case # XXXX. They told me that they would investigate. Two weeks later they told me that they only issue one credit card and I was accusedof making those fraudulent purchases. I told them that I did not make those purchases and that I have never stepped inside that store. ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ) at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. XXXX. Capitol one Manager ( XXXX ) was rude and just kept accusingme of being dishonest. I contacted the police on XX/XX/XXXX to police officer XXXX shield # XXXX, but all they did was bounceme from one precinct to another. Police complaint report # XXXX. With my other credit cards any time I made a purchase, The place of business would require my ID or my PIN number, So I do not understand how these fraudulentcharges happened.I feel that Capitol one are at fault and are negligent and wonder if this has happened to other cardholders.Thank youXXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: MS
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 account # 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 an 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 2016-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I used my Bank of America debit card to purchase a hotel stay in XXXX 2013. There were major issues when I got there and my method of booking ( through a third-party called XXXX ) prevented me from getting immediately refunded. I started a dispute with BoA and they sided with me. It was an exhausting process so I closed my bank account. I ran a XXXX report recently and there 's a negative report from Bank of America for over {$600.00}. I never received any communication from BoA that they changed their position on the dispute, never received any collection notices or phone calls, or emails informing me of any debt. I feel as though the dispute was closed and I should not be held responsible for the transaction as originally stated by the bank.

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 2016-08-18
Company: HYUNDAI CAPITAL AMERICA
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I paid off my loan with KIA Motors XXXX in XXXX 2016. After repeated phone calls, and their promising to get back to me, and my sending a letter to them, I have yet to get any sort of response or update on getting my car title. Without a title I can not sell or trade in my car, and not sure how that will impact me renewing my license plates. This is very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: EQUIFAX, INC.
State: ME
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX. All of a sudden lowered my credit limit on 2 different cards making the cards almost maxed out which affects other credit cards I have and my XXXX score. 
First card credit limit lowered from {$13000.00} to {$3300.00} card has a balance of {$3200.00} leaving available credit down to {$120.00} which then make my card look maxed out when it was far from being maxed out. With no explanation as to why this was done. 
Second card credit lowered from {$9700.00} to {$2200.00} with a balance of {$2100.00} leaving available credit down to {$84.00} which makes card looked maxed out again with no explanation and affecting XXXX score. Both cards have been receiving payments of more than the minimum amounts due. I feel the is unfair to me and my credit score. I called and all was told cards went under yearly review and credit scores dropped the limit never receive any thing in writing from them about this also.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: Netspend Corporation
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
In the end of XXXX, I joined XXXX. As an associate I was issued a payroll debit card administered by Skylightcard. Just this morning, I encountered a practice that seems very unfair, can be considered payroll theft actually by Skylight. 
Around XXXX today, I check and I have at least {$16.00} on the card. So I gased up in XXXX XXXX XXXX for {$10.00}. Now, after a minute I received a noticed that I owe them {$60.00} allegedly because they said it is automatic for them - to place {$55.00} advance whenever the card is used at the pump and that I need to pay them Overall {$50.00} overdraft fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: CO
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:
When I graduated college XX/XX/2014 I was under the belief that my loans would n't be due for 6 months after graduation. I remember getting a {$0.00} Due letter monthly from Navient for about a year. I believe this was intent to raise my total due without me realizing what was going on. I would check on that loan monthly, and then one month they billed me and said I had missed two payments. Totaling roughly {$800.00} with no warning on my account or through the mail. I am doing everything in my power to get these loans paid off but I feel them dragging me further down. After reading other complaints I know I 'm not alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
My husband ( XXXX XXXX XXXX and I ( XXXX XXXX XXXX were looking for a bigger vehicle in XX/XX/XXXX. Went to XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ) for help. XXXX was the dealer who help us. XXXX XXXX got us in XXXX XXXX XXXX. 
They want {$3000.00} down. We had nothing to put down. They had us set up a payment arrangement and let us leave with the car. Well about 2 weeks or so I told we can not afford the down payment. They told us to bring back the car which we did. I thought was the end of the loan. Well Credit Acceptance started reaching out to collect a payment. 
They said the loan was still active. I explain everything to Credit Acceptance and they said all that was needed was for XXXXXXXX XXXX to confirm the car was there. XXXX XXXX refuse to do so and made a bogus contract that was electronically signed with forged signature from my husband and I. The contract appeared to be sign on XX/XX/XXXX via electronically. If you look into ips address you will find to location of where the bogus signatures came from. We never signed any contracted outside of payment arrangements. We got no paperwork that would have come with vehicle.

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 2021-07-28
Company: Westlake Services, LLC
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: Investigation took more than 30 days

Complaint:
XXXX XXXX is the definition of a predatory lender and should be closed down. The company violated every consumer law possible. I have listed the violations : 15 usc 1692b ( 2 ) 15 usc 1692b ( 5 ) 15 usc 1692 c ( a ) 15 usc 1692c ( b ) 15 usc 1692c ( c ) 15usc 1692 d ( 2 ) 15 usc 1692d ( 5 ) 15 usc 1692 e ( 2 ) ( a ) 15usc 1692 e ( 7 ) 15 usc 1692 f ( 1 ) 15 usc 1692 j ( a ) 15 usc 1666 d ( c ) 15 usc 1692h lawful refund of payments

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 2021-12-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021, I placed a call to Wells Fargo about unauthorized transactions on my account. I later called on XX/XX/2021 to receive the resolution about the fraudulent charges and they indicated that the claim has been denied, due to response indicators. The responses that the XXXX noted, were not consistent with the answers that I gave the XXXX during the recorded conversation. Wells Fargo has not shown the burden of proof of authorized transactions. The charges are fraudulent and are with a merchant that I have not consented business with. I am not liable for the transactions, therefore, the full amount that has been charged needs to be reimbursed to my account. I have spoken to Wells Fargo about my complaint, but they have not accommodated this issue, leading me to further enforce my legal rights with several other entities. Thanks.

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 2015-07-27
Company: Allgate Financial, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Hilco Receivables has filed a judgment under my name for money and debt due on XXXX/XXXX/2007 ( see attached case # and record of judgment ). I was not aware of this judgment nor was I served like it states in this document. Hilco Receivables is a collection company that has not been able to verify the source of the original debt. I believe that they also DBA as XXXX XXXX XXXX , XXXX. They have continued to simply ignore my request for sourcing the original debtor which according to this order was in 2007 way past the statue of limitations for any debt and can not verify original balance or source. The judgment is showing on my credit report and on record with the XXXX District Court. I also tried to attempt to verify the source debt thru the credit reporting agencies with to no avail or resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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 had a credit  card with Capitol one that  I p aid off every two we eks to build my credit. On  XXXX   XXXX   XXXX  I went into the hospital to   XXXX   XXXX   XXXX  . I  XXXX   XXXX  times. I was  XXXX   XXXX  time. I   XXXX   XXXX   XXXX   and needed  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and my family was told I was n't going to make it. Then I was airlifted to another hospital where I spent over a month getting   XXXX   XXXX   XXXX   XXXX    XXXX . After they came back and I was released it took months after being in the hospital to get as close to with it as I can. In  XXXX  of  XXXX  I paid my credit card off in full. They told me they had closed my account and I was unable to use my credit card anymore. I felt so discriminated against because of my health issues. I tried to work with them but they turned me away. I am currently filing f or SSI and have documentation to prove all stated in my letter here to you. I would like my credit card updated. Closed from consumer, and all delinquencies removed. I appreciate your time in this very important matter and hope to get a response soon. Thank you Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06
Company: Navient Solutions, LLC.
State: CA
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:
Municipal Services Bureau ( MSB ) is attempting to collect a debt that is erroneous and not owed. I have filed complaints with the CFPB on this issue before, but it has not been resolved. In numerous exchanges with MSB, my attorney and I have demonstrated that the debt is erroneous, and that it has exceeded the statute of limitations on municipal debts. Specifically, MSB is in serious violation of the Federal and California debt collection practices acts in even attempting to pursue this since, even if valid - which it is n't - the collection of an alleged debt from XX/XX/XXXX-XX/XX/XXXX would be barred by the statute of limitations under California Code of Civil Procedure sec 338. MSB is aware of this fact and is acting tortiously and harassing me. XXXX XXXX of XXXX vs XXXX, XXXX. Court of Appeal XXXX District. There is a 3 year statute of limitations. I sent a letter to MSB directly with this information, and at about the same time I started receiving one or more phone calls listed with " No Caller ID '' almost every day. I will not answer these calls, but given that MSB has demonstrated a gross lack of regard for the FTC 's policies, I strongly believe that MSB is behind these phone calls. As such, I believe that MSB is now not only in violation of the FTC debt collection harassment rules, but is also in violation of the Federal Communications Commission 's ( FCC ) policy regarding caller ID spoofing. Under the Truth in Caller ID Act, FCC rules, 1 ) prohibit any person or entity from transmitting misleading or inaccurate caller ID information with the intent to defraud, cause harm, or wrongfully obtain anything of value, and 2 ) subjects violators to a penalty of up to {$10000.00} for each violation of the rules. I am documenting the day and time of each phone call. If MSB is behind these phone calls, they are also continuing to violate the FTC 's debt collection harassment policy. Especially, considering that MSB has, in writing, stated that they will no longer contact me. I strongly urge the FTC and CFPB to investigate MSB 's debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have asked in the past to not be contacted by this company via telephone. They call at least XXXX times per day. I sometimes receive calls from other numbers that are either someone 's personal number or from a different location. They have also called my mother numerous times, even though I do not have any other contact information listed. They call my mother multiple times a day, asking her personal questions about me such a my date of birth, address, etc. They even told my mother that they called me XXXX times. They even disclosed the amount that I owed to her.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I had previously opened a complaint against PNC Bank regarding incorrect reporting. They said they would look into the matter, but I haven't heard anything back from them in a year. I have repeatedly called and emailed with no response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Stated that it was correct, even though I called the original creditor and they said that it was never suppose to be on my credit report. I am lost and confused. I just do not know what to do.

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 2021-12-21
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXXL XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-04-17
Company: Dynamic Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
From XXXX 2015 to the present, I have been contacted, repeatedly, by " XXXX XXXX '' to collect on a debt that was previously paid to another debt collection agency. After reading BBB reviews and online complaints, DRS has engaged in multiple violations of the FDCPA and FCRA, XXXX. This debt collection agency is operating via extortion and fraud and identity theft. In addition, DRS continues to collect on past statutes of limitations, and in some cases, " phantom debts. '' And, after XXXX complaints in the last 3 months, I would hope that the CFPB took notice and opened an investigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX  XXXX TARGET/TD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX 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 2017-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In less than twenty-four ( 24 ) hours Bank of America is intending to conduct a Trustee Sale on the XXXX Deed of Trust, which is ninety ( 90 ) months past due. 
Today, XX/XX/XXXX, Bank of America Appeals Department, Appeals Specialist XXXX, confirmed no Appeals Department determination based on the XX/XX/XXXX appeals review has been issued to me to date. 
Bank of America has not represented to me the scheduled Trustee Sale has been or is going to be cancelled. 
Bank of America has not admitted to any wrong-doing during and throughout the loss mitigation processes. 
Bank of America does not have the right, as a matter of law, to claim ownership and, therefore, any right to sell the debt associated with the XXXX Deed of Trust at Trustee Sale. 
All previously mentioned resolutions are desired and mandatory. 
If I did default on Bank of America, it was ninety ( 90 ) months ago. 
I own my property and home under a claim of adverse possession in accordance with the laws of the State of California.

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 2015-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
WE WERE WORKING WITH AN ATTORNEY TO TRY AND GET A MODIFICATION ON OUR HOME LOAN WITH BANK OF AMERICA FOR OVER 3 YEARS AND THEN THEY ALL OF A SUDDEN THEY DECIDED TO FORECLOSE ON US. SO, WE HAD TO DO A SHORT SALE ON OUR HOME. SO WE LOST OUR HOME AND OUR CREDIT IS SHOT. WE TRIED DOING A CHAPTER XXXX BUT, WERE AS MUCH AS THEY HAD BEEN AND THAT IS WHY WE FILED TRYING TO SAVE OUR HOME.THE CHAPTER XXXX WAS IN XXXX 2013 AND THE SHORT SALE WAS IN XXXX 2013.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation