BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-22
Company: EQUIFAX, 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 have these inquiries on my credit report that I did not authorize I believe it to be fraudulent XXXX XXXX Inquiry from XX/XX/XXXX Equifax XXXX XXXX-XXXXand Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: Paypal Holdings, Inc
State: CT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
A dispute was filed for a debit card purchase made on XXXX XXXX to XXXX of XXXX, this is a deposit on a vehicle. The dealer was unable to secure the right financing and unable to place order for vehicle, this is a special order for a vehicle not available on their lot.. The time frame for production is 6 to 8 weeks, the car was not ordered and deposit should be refunded. Please note, all this information was included in dispute or should have, it was all explained to rep who took dispute on or around XX/XX/XXXX. I called today XX/XX/XXXX to inquire about status was told an email was sent on XX/XX/XXXX asking for additional information which is more than likely already included in dispute, I have nothing else to explain or inform of. I have received no such email, it was supposedly resent twice and still not received. I wish to reiterate that any and all information was already provided previously to rep who took dispute, its a shame Paypal plays games like this, asking for more information and supposedly resending an email which is not received. Please note, the original email was also not received. Please advise them I need credit for this dispute ASAP and should refrain from requesting info they already have or should have, playing games with their emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: Netspend Corporation
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
On XX/XX/2019 I bought a XXXX XXXX, by NetSpend prepaid debit card and loaded {$50.00} dollars on it. As of today XX/XX/2019 I can not use the card. Today I was told that I can not withdraw any cash I could only make in store purchases with it. I also was told I can not transfer money from this card to another.

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 2017-03-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed the bankruptcy listed on my credit report with Equifax. My information has been suppressed with XXXX since XX/XX/XXXX but they send me correspondence stating they have verified with XXXX. I requested a copy of my XXXX report which is dated XX/XX/XXXX. I received a document from Equifax dated XX/XX/XXXX that they verified the bankruptcy again through XXXX even after I provided them a copy of the report stating no bankruptcy records.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX when I called my Mortgage Co. asking on the status of my " auto pay '', the representative ( her name is XXXX ) told me that my auto pay has not been set up yet, so she advised me to pay by phone to avoid late fee, so I did. Today XXXX XXXX, Seterus ( a Mortgage Company ) charged me twice ( on my checking acct ) dated XXXX XXXX and XXXX XXXX. I called Seterus and I have requested to send the money back to my account but they say that they cant do that unless I request a letter from my bank. XXXX took the funds from my XXXX savings and they charged me for the transfer fee. I called my bank XXXX re : such letter that Seterus is asking but XXXX said that they cant issue letter to a XXXX party. I called Seterus again but they said that there 's nothing else that they can do but considered it as " advance pay '' for the next month. I have asked for the assurance that they I will not get double charged again but they cant give me XXXX. 
I hope that someone can help me regarding the situation, I want my money back on my account, I also hope Seterus will pay the transfee fee that XXXX charged me when they took the funds from my savings to cover. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I 've submitted multiple disputes to Equifax in regards to collection accounts that XXXX XXXX XXXX inserted into my credit report as credit tradelines. I provided documentation to Equifax on four different occasions and each time the accounts come back verified. I supplied Equifax a copy of their own documentation showing how a collection account should be reported and they still have not deleted the inaccurate information. XXXX XXXX purchased delinquent charged off credits cards and are now misrepresenting themselves as my original creditors which they are not. I have not other option but to file a complaint with the CFPB and the South Carolina Attorney General office.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have repeatedly submitted evidence to Equifax demonstrating an account " XXXX XXXX '' they are reporting as " part of bankruptcy '', was NOT included in my bankruptcy. I have included a copy of my bankruptcy schedule ( attached ), to show it is not included. ( BOTH XXXX and XXXX removed the bankruptcy information listed on this account, immediately, upon first request. ) I have now disputed at least 3 times with Equifax and they refuse to remove this incorrect information. Equifax has the physical evidence that they are incorrectly reporting this information, and yet they willfully and deliberately continue to. They have received evidence via certified mail as well as uploaded online. Attached is a copy of my most recent letter to Equifax , and all supporting documents provided to them, ( the same as was provided to each of the other XXXX credit reporting agencies. ) This deliberately and incorrectly reported information is drastically affecting my life and is tantamount to fraud. I respectfully submit my complaint against Equifax in hope for assistance in fixing their harm. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: TJC Mortgage, Inc.
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XXXX/XXXX/XXXX we were told by XXXX XXXX at TJC Mortgage Inc, via email that we qualified for 3.25 % fixed and to skip XX/XX/XXXX and XX/XX/XXXX payments and we would receive {$1900.00} in escrow. This was our whole reason to refinance our VA from 1.75 ARM to a fixed rate, the large escrow and the skipping of two months. Our pymt would go up but we would be able to pay off other items with the XXXX that we were told we would receive. On XXXX/XXXX/XXXX I sent XXXX the email and a copy of our mtg loan transfer and he said " it would have no affect but to send the letter so he could get the updated payoff '' via email. ( at this time he would have been CLEARLY aware that our previous mtg holder paid the insurance with the escrow. I found out XXXX XXXX, XXXX XXXX I was sent a late pymt notification from our previous mortgage company and at that time I asked about the escrow account and they told me it was paid on XXXX/XXXX/XXXX. However, XXXX or TJC Mtg did not inform us of this change and proceeded with the closing while knowing we were under the assumption of receiving this {$1900.00} in escrow. They sent several emails over and over again that had the exact same information to sign electronically but they failed to include the fact that the escrow or Insurance had been paid therefore we would only get to skip two payments. We would NOT have moved forward with closing and I 'm sure they knew this and that 's why it was NOT mentioned. Instead of the {$1900.00} we got {$250.00}. We did not close on this until XXXX XXXX, XXXX so they were CLEARLY aware of this and no one brought it to our attention. We would not have moved forward for we still had an additional year for our 1.75 % and would have been able to pay off more principal on our home. Instead we were deceived, they got a new mortgage ( so still making money off of us ) and we our out the {$1900.00} and we have a {$200.00} per month higher payment which is odd because the numbers he quoted at the beginning actually went up and our house was less to pay off and the escrow was paid in full on XXXX XXXX, XXXX. So I 'm not sure why it 's about XXXX per month higher than he quoted us in the first place. We understand refinancing number will be off a little, but knowingly withholding information such as the escrow ( because they lure you in with this! ) is deceiving the payee, me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-07
Company: Navient Solutions, LLC.
State: NC
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am getting over XXXX calls a day from this number. They will leave a recorded message stating that " This is XXXX XXXX from Navient. Please return my call at ( XXXX ) XXXX. '' The calls are occasionally after XXXX. I am late with my current month 's payment to Navient and will be paying it next week, although I have also received these frequent ( XXXX times per day ) calls before even when not behind on payment. It is my understanding that frequent calling is harassment and illegal. Anything you could do to stop them from doing this to myself and other Navient borrowers would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Dear Sir/Madam, Re : Bank of America Core Checking Account ( # XXXX ) and Regular Savings ( # XXXX ) I am filing a complaint against Bank of America for unauthorized charging service fee on my regular savings account without any prior notification. We open Core Checking account in XX/XX/XXXX and was persuaded to also open a regular savings account. We were told at the time that the XXXX accounts would be linked and there would n't be any charges or fees as long as we maintained our monthly balance no less than {$1500.00} in our core checking account. Since then, we have met our minimum balance requirement and maintained at least {$100.00} in our savings account as well. 
However, starting from XX/XX/XXXX, the Bank imposes a monthly charge of {$5.00} on the grounds that our savings account has less than {$300.00} even though our balance in the core checking account always far exceeds {$1500.00} and the two accounts are supposed to be linked. We challenged their unauthorized debit and were told that there was a letter of advice sent out in XX/XX/XXXX. We never receive such letter or any electronic communication from the Bank. 
Finally, the Bank agreed to refund me but for some reasons, not the full amount of the 5 months of charges. We file this complaint because we feel being misled and we do n't know how many of consumers are being treated like that. We would appreciate your prompt attention to the matter. 
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 2016-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card
Issue: Delinquent account

Complaint:
I setup auto pay for the account. But unfortunately later on I find out it was not. When I get letter from the card service regarding late payment I contact them and pay the payment immediately. It was totally unintentional mistake and when I explain it to the card service they waive the late fee. In 2016 when I check my credit report I saw they put a 30 days delequint report on my credit report. I talk with card service and explain them that it 's an unintentional mistake and request them to remove the report from my credit report. But they denied my request by explaining that it a valid report. I do n't know what to do. It 's hurting my credit report. Please help me to solve this problem.

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 2015-06-11
Company: Ability Recovery Services, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Collection Agency stated that I attended XXXX XXXX XXXX and owe XXXX for not completing. I never had any need to attend this school. I have a High School XXXX and a XXXX degree that was obtained in XXXX. This is erroneous and frivolous. As well I disputed with all XXXX credit bureaus. Its interesting that some was able to say it was verified as mine! others deleted as it was not able to be verified. Whats going on!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Santander Consumer USA Holdings Inc.
State: CA
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:
I XXXX XXXX XXXX have been dealing with this debt collector for a few months now and they continue to violate the statutes I have listed below. 
15 US code 1681a # 4 - respect the consumers right to privacy, these companies have infringed my right to privacy after explaining to them that is not my debt they continue to update my credit report monthly.

15 US code 1692a- The term debt means any obligation or alleged obligation, i have explained to this company that this debt is not mine.

*15 USC 1692f- Communicating with a consumer regarding a debt by post card, post card in others words means to bring notice or attention to the public ( credit report ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are 8 inquiries on my credit report that do not belong to me I have not inquired for any of these I need these off my report. 

Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX  XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
It started with being approved through Road Loans/Santander Consumer for a the purchase of vehicle. I was referred to XXXX XXXX XXXX in XXXX XXXX, CA. I was quoted and told I was approved for a loan, with a certain interest rate, monthly payment and no down payment. I signed the contract and left with the XXXX Mazda. I was called the next day saying my loan was n't approved and they had a new contract. the interest rate was higher as was my monthly payment. I was also told I had to come up with a {$1000.00} downpayment that I had n't needed to before. From the start everything was wrong, my first payment was n't supposed to be due until XX/XX/XXXX and by XX/XX/XXXX I was fighting with them as to not applying my payments correctly. I receive multiple calls throughout the day and you can never reach the same person twice. They wo n't respond via email for documentation either. Well, finally in the Spring of this year, I was told I was assigned an account manager, XXXX. I explained everything that has gone on, with the payment due date and being told that I could move a payment to end of the loan. He said eh would have 2 payments moved to the end of my loan and told me that as long as I made at least the minimum of {$180.00} monthly I would remain current. Then it all started again a month ago, tell me I 'm over 60 days behind, they are misreporting to the credit bureaus too. I ca n't ever reach my supposed account manager, no one I ever speak to seems to document the conversation. They are unwilling to review to lower my interest rate or working with me. I am working in cleaning up my other financial issues since I filed bankruptcy last year and I ca n't get a refi with a legitimate lender until I can clear up the other issues. I simply want them to honor was I told, about moving the two payments to the end of my loan and properly applying the payments received. if this is done, I will be current. After much research, I see that Santander has several complaints for similar issues. I wish I had never been in a position to have to do business with them!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My XXXX XXXX account has been paid and closed for a year now and I see a 30 day late just came up on this account. Not sure how this happened when it 's been closed and was not there before

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 2017-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In the past I had a bank account with Bank of America. Back in 2015 I had an account with XXXX bank that I had to close due to my account being compromised so I opened a new account. I accidentally deposited a check into my Bank of America account from the closed XXXX account in error. When I realized the mistake, I made I contacted the bank and made the situation right as soon as possible. ( no funds are owed to BOA ) I made sure my account was cleared of all fees. I received a letter from Bank of America closing my account due to fraud. I called to explain the mistake and they told me that they put me on XXXX and there is nothing I can do about it. I have been fighting this for 2 years with no resolution. I no longer want to bank with them but would like to have the option to bank with someone else which I am not able to as I am on a fraud alert on XXXX. I do n't think a mistake which I owned up to and made it right instantly I should n't be punished for 5 years because a bank feels that they are right with no recourse. I have spoken to managers and supervisors and they all tell me this ca n't be removed. I need to send a letter to them. I have done that and the letters go un-answered and recently received a response because I reported them to the XXXX. The answer is they still refuse to remove it. I really do n't want to hire an attorney but I may not have any other option.

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 2021-03-22
Company: MoneyLion Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
They signed me up for a {$1000.00} loan but only lended me {$300.00}, then held {$700.00} in escrow with their company. On the payoff, I paid them {$1100.00} ( having only borrowed {$300.00} ) on the premise, the {$700.00} would come back to me in my account in 2 business days. That did not happen and the agent on the phone said it would take 7-9 MORE business days to give me my money back. This is theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Loancare, XXXX XXXX, and XXXX  XXXX XXXX has refused to refund me {$2100.00} for overpayment of property taxes during VA Refinance done on XXXX XX/XX/2020 Loancare, and XXXX XXXX knew that my property taxes were already paid, in full, on or around XXXX XX/XX/2020, and Loancare, XXXX XXXX, and XXXX XXXX XXXX withheld {$2100.00} from my closing, refused to refund it back to me, knew that it was wrong, and after 25-30 phone calls and 5 letters later, has continued to give me the runaround and refused to refund my overpayment. Today I spoke with XXXX, and XXXX XXXX at XXXX, and Loancare-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 explanation
Consumer complaint received 2016-10-18
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive on average 8-10 calls a day from Navient. This is after I 've told them when I 'm going to make a payment towards them. I 've asked them repeatedly to stop calling for reasons of me being at work, and just from the disturbance of having them calling like clock work. This has to be harassment and it 's stressing me, because I 'm not in the greatest position to pay them but I have to endure repeated calls and not to mention the blow my moms phone up as well.

Company response to consumer: Closed with explanation