BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-09
Company: AMERICAN EXPRESS COMPANY
State: NY
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 tried to make my payment on XX/XX/2023. 

There was a glitch in the system and the payment didnt seem to have gone through. So I made another payment. 

I noticed on that I have 3 pending payments. So I cancelled two of them. 

I contacted customer service through chat, who assured me that only one payment went through. ( see screenshots ) However, no payment went through and I was charged a late fee. 

I would like the late fee refunded because I tried to make my payment in good faith. 

I contacted AMEX through chat and phone and no one was able to help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE 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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX Original Creditor : 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 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 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 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 2023-03-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I've written Equifax on two occassions in regards to two accounts appearing on my credit report as a result of ID Theft. I requested Equifax to block these account in accordance with Section 605B of the FCRA as these accounts which does not relate to any transactions that I have made. These accounts Include XXXX XXXX  and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: MOHELA
State: WA
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:
Hello, On XXXX XXXX XXXX two student loans were added to my credit report. One amount of {$2900.00} and other amount of {$1700.00}. I have tried disputing multiple times with XXXX XXXX and XXXX but have had no luck. I took the steps to contact directly with the student loan company XXXX XXXX XXXX education ) but can't get ahold of a customer representative to discuss the fraudulent activity. I am also unavailable to acquire these account numbers and I need that information to move forward so I am able to report the fraudulent accounts. I would like to move forward to remove these loans from my account as it has and will continue to effect my credit report as well as affecting my ability to open other accounts. 

Thank you so much for taking the time to read my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: EQUIFAX, INC.
State: CA
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:
I submitted a letter to the 3 Credit Bureaus dated XX/XX/23 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance : {$29.00} XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX Balance : {$29.00} XXXX XXXXXXXX Balance : {$740.00} XXXX  XXXX Balance : {$720.00} XXXX XXXX Balance : {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Arena Investors, LP
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Friday, XX/XX/2023 To : XXXX XXXX XXXX XXXX I received a form letter from your company today regarding a payment of {$12.00} ( Our Account # XXXX ) for a XXXX 's Magazine subscription that I never requested nor asked for. 

I tried calling your XXXX telephone number, but that effort was to no avail. 

Either way, I never subscribed for this magazine, so please delete my name from your delinquent files for this. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not familiar with this company. I have never done business with this company before. I have never signed any contract nor taken out any loans from this company. What they sent me was proof of loan from XXXX XXXX bank. Which was charged off back in 2020. Due to financial hardship because of Covid-19. I have also sent them several cease and desist letters Which they have felled to acknowledge. Ive also asked them to credit my credit report by removing the negative remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: WELLS FARGO & COMPANY
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo foreclosed and stold my home while not helping to remodify our loan payments, my husband XXXX XXXX over this in XX/XX/2013. They harassed me daily and attached late payments when full payments couldn't be made. We had a hardship with the loss of my income leaving only his and we struggled with them, fighting with them for well over a year. They took my home not understanding that I had lost my husband and I had gotten sick and wasn't working. Along with taking my home they took my father 's inheritance and my ira totalling XXXX dollars that we put into a down payment when making the initial loan. We paid Wells Fargo for that home for over 17 yr period and the loan was only for XXXX. They hurt us badly.

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 2023-03-28
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XXXX XXXX XXXX I mailed RBFCU payment fulfilling the pay-off amount for my vehicle I refinanced through them. I accepted the pay-off slip they provided me with and used this as a negotiable instrument. I included instructions with my payment instructing XXXX XXXX to apply Principal balance to account # XXXX for set-off and requesting that my title be mailed to me. RBFCU failed to do so and responded with an anonymous letter on XX/XX/ stating We are unable to process the payoff you indicated. 

On XX/XX/, I wrote RBFCU a letter asking them to explain why they would be exempt from the following obligations outlined in the Federal Credit Union Act : ( from the Federal Credit Union Act ) 1795f. Powers of Board ( b ) Collection and settlement of checks, share drafts, etc. ; charges ; rules and regulations ( 1 ), Federal Regulations XXXX XXXX XXXX  A Part XXXX Accounts evidenced by negotiable instruments, Title XXXX XXXX XXXX  Part 1 1.100 Indirect general obligations, or 1.120 Prerefunded or escrowed bonds and obligations secured by Type I securities I also informed them that I was well within in my rights pursuant the Federal Credit Union Act 8 ( A ) Rights of parties to Contracts ( iii ), which makes it clear that I am not prohibited from offset, as was requested in the original instructions. 

I also requested validation of the debt and accounting. RBFCU still has not responded to my letter, or accepted my payment. I am claiming there is a breach of contract based on the above codes Ive included from the Federal Credit Union Act. I have enclosed a copy of my original instructions, my Second Notice and Oppportunity to Cure, and RBFCUs correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: World Acceptance Corporation
State: AR
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
World Finance XXXX did a loan for me. I was behind on it so I had them do my taxes for 2019 and upon the check coming to their office and me going INTO the office to sign my check and cash ot the printed me a check minus the amount I owed them! Therefore, this debt has been paid off 100 %

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: HYUNDAI CAPITAL AMERICA
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my car note weeks ago, but I can't sell it because Kia Finance refuses to provide timely evidence of my loan repayment. I attempted to reach Kia Finance on XX/XX/23 to obtain written confirmation that my loan has been paid off. They have an automatic system that generates an unsigned letter. That is not acceptable evidence to anyone. I've spend the better part of three days attempting to communicate with them via telephone. A majority of my calls are dropped while I'm on hold, after waiting upwards of 20 minutes. When I finally reached a human on XX/XX/23, I was first a lien release had already been sent to my Secretary of State and that a copy would be emailed to me. It never arrived. When I called to follow-up the next day, I was told they have a policy against emailing such copies. After elevating to a supervisor, which took several more calls, I was told that a lien release had been mailed to me. I indicated I couldn't wait for the mail, and finally it was offered ( never before ) that it could be faxed. I provided the fax number on XX/XX/23 and was promised the fax would go out at XXXX the following morning when the notary was in. I called at XXXX and was told there was no record of the fax request or fax number, and that it takes 7-10 days to provide a lien release. I was told that if I ordered the fax, they would expedite. I called this afternoon ( XX/XX/23 ) to see if it has been faxed, and it has not, and the supervisor I spoke to again indicated that they would try to get it done today. The amount of time I have wasted -- several hours over three business days -- is ridiculous. My sale of this car will likely fall through, and I have no evidence that Kia Finance has followed through on a single one of it's promised actions. I have requested further escalation, but am told each time that the supervisor I'm speaking to is the final escalation but no ability to do anything other than submit a request.

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 2023-04-07
Company: TRUIST FINANCIAL CORPORATION
State: GA
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:
Truist Bank is reporting bankrupt account as open and past due.

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 2023-04-07
Company: WELLS FARGO & COMPANY
State: CA
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:
THIS IS NEW INFORMATION FOR COMPLAINT NUMBER XXXX XX/XX/2023 I filed a complaint to the CFPB against Wells Fargo bank for the ongoing billing errors being mailed to me that are false and misleading. I recently received a letter by mail from Wells Fargo Mediation Program Administrator, Tracking number : XXXX. Wells Fargo Case Number XXXX. I have been offered the opportunity to come to a mutual understanding and Wells Fargo will attempt to resolve my claim to my satisfaction. The Mediation Request Form, also Wells Fargo assured me that no cost will come to me for this service. I filled out the form and mailed it to the return address. I attached the documents of the form into this CFPB complaint.

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 2023-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX Bank of America exercised its right per the deposit account agreement to terminate my checking account. At the time of their decision there were pending claims on my account. On XX/XX/XXXX I was awarded those claims and was told to expect a check in the mail. In XX/XX/XXXX I contacted Bank of America and was told to wait for my funds with no timeframe. The same happened in XXXX of XXXX, XX/XX/XXXX I visited a Branch to resolve this matter and a helpful Branch Manager attempted to resolve it but he was given the same information with no date as to when I would receive my funds. I am under the impression that Bank of America intends to keep my money because they continue charging a XXXX XXXX monthly service fee and have virtually given me no option to recover my funds. I have exhausted all my options in resolving this matter directly with Bank of America.

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 2020-04-28
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have contacted Mr. XXXX XXXX the CEO of Shellpoint regarding the issue with my insurance check. I am hoping this will be the last step I have to take in order to get the check signed and returned to me. I am so thankful that i will never have to deal with these people again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Recently, on or about XX/XX/2022, was guaranteed a loan modification by a staff member. 
XXXX of 2022, Sent in an appeal and never got a reply, as promised. Instead, got a notice of foreclosure. 
Numerous occasions, was assigned a Relationship Manager with a " supposedly '' direct phone number to this person, and every time, the phone was answered by a collection agent. I was told on XX/XX/2022, that when a customer requested to speak with the Relationship Manager, that the collection agent was not allowed to connect the customer with their Relationship Manager. 
Was told on multiple occasions that I was not to make a payment on my mortgage until the modification process was complete. This has been going on for over three years. 
Having to tell and retell my story over and over again, in excess of 50 times as they did not keep notes as to what my problem was and why I was calling.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened US Bank checking account XXXX around XXXX US Bank requested me to make opening deposit of {$100.00} and I did so. However, without my request, US Bank did 3 transactions on XX/XX/XXXX : deduct {$100.00}, add {$100.00}, deduct {$100.00}. It caused {$100.00} deduction in the balance of the checking account. Around XX/XX/XXXX, manager of a USBank branch, XXXX XXXX, promised me to find out why. However, I did not receive anything as of this writing. US Bank is the initial place from which a customer lost money. US Bank should proactively help its customer to recover the loss. I request US Bank to refund the {$100.00}. 

I filed Complaint to XXXX  ( ID # XXXX ). 

XXXX XXXX, Senior Customer Care Specialist of U.S. Bank Customer Service, said on XX/XX/XXXX : " Our records confirm, your account ending in XXXX was opened with a {$100.00} deposit. We received a dispute for this deposit which was found in the cardholders favor, and the deposit was reversed on XX/XX/XXXX. '' My reply ( XXXX  ) is : " Who is the cardholder? What card was used to make the deposit? Who initiated the dispute? The simple fact is : I lost {$100.00} from my US Bank account. I deserve to know why and how. I deserve detailed explanation. " XXXX XXXX, Senior Customer Care Specialist of U.S. Bank Customer Service, said on XX/XX/XXXX : ( no answer to my questions ) " The Payment Card Industry ( PCI ) regulates banking industries and restricts financial institutions from retaining debit and credit card numbers with their security code and expiration date. To confirm, we do not retain and are unable to view the credit card number used to initiate the opening deposit. '' XXXX said ( XX/XX/XXXX ) : " Upon review, the XXXX  has determined the company has chosen to remain firm in their position and not offer an alternative resolution. Please understand that the XXXX  is not an enforcement agency and we can not compel a company to do exactly what a consumer requests. The XXXX  has closed this case. 

XXXX appreciates the time you took to inform us of your experience with this company and will include it in their file. Your case will be reported in the company 's XXXX Business Review for other consumers access. It will remain on their record for 36 months, our standard reporting period. We will use it to note any trends or pattern of complaint activity and, should one be noted, will forward our case notes to the proper state regulatory agencies for their review and possible enforcement. '' In summary, XXXX XXXX, Senior Customer Care Specialist of U.S. Bank Customer Service, did not answer customer question about losing {$100.00}.

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 2016-12-12
Company: Credit Karma, LLC
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX has decreased my credit score but does not properly state why, what bill was late or delinquent or what was added that decreased my score by up to XXXX points!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Dear Consumer Financial Protection Bureau, I am writing to inform you of an issue that I am currently facing with Capital One. Recently, my account with Capital One was closed due to an error in their app. Specifically, one of my payments was returned from the app due to a glitch in the system. Unfortunately, Capital One decided to close my account as a result. 

Despite this, I have been making my monthly payments to Capital One even after my account was closed. However, I have noticed that they have been reporting inaccurate information to the credit bureaus. This is obviously a serious concern for me, as it is impacting my credit score and making it difficult for me to secure loans and other forms of credit. 

I would greatly appreciate your assistance in resolving this matter. It seems unfair that I am being penalized for an error in Capital One 's app, and I would like to ensure that my credit score and financial standing are not negatively impacted by this incident. 

Please let me know if there is any further information I can provide to assist with this matter, and I thank you in advance for your help. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation