BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card
Issue: Delinquent account

Complaint:
I made a large sum to pay off my credit card account with bank of America. I was assured that since i have paid the full amount and closed my account I had no more payments. A month or more later i found out that they had sent a payment that was charged a couple of days after i had made a payment, to the credit bureua as past due. I immediately called them and and requested information on a payment i was told i would not have, they explained that this interest charge was due to the fact tht i did not completly pay off the account. After the reviewed the account better they saw that i had indeed paid the full amount and that the past due payment was placed on my account a couple of days after the final payment. They stated that i would have to pay the amount or they will proceed with collections.I made the full payment and was again reassured i would not see any more charges and that the account will be closed by the end of the billing cycle.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: CT
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:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2021 ( add the date the client started with us ) with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible.

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 2022-11-17
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The account is a account that I didn't open I believe that I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: General Motors Financial Company, Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I *love* my new car - a 2015 Chevy Spark XXXX a fantastic value and wonderful service at the dealership. However, I *don't* love my GM Financial billing statement which does not readily and easily display pertinent auto loan. Nothing is " at a glance. '' The statement does not include 1 ) the interest rate ( it shows the monthly charge and what I PAY for interest - but not the APR ) ( 2 ) No structured " payoff '' amounts ( like credit card statements do : XXXX. " If you pay {$300.00} a month, this will be paid off in x months ; If you pay {$350.00}, it will be paid off in x months. '' I think these statements are deliberately misleading to the consumers and need to be revamped to resemble the newer credit card statements where everything is " out there '' for the consumer. Thank you.

Company response to consumer: Closed
Consumer complaint received 2022-11-17
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
Kia Motors Finance is trying to unlawfully force me to pay an extra {$7200.00} through XXXX. This is for a vehicle lease that has already been paid in full. On XX/XX/2022, I received the Insurance BUYOUT QUOTE from Kia Motors Finance directly. I immediately forwarded this information to my insurance company, XXXX XXXX, who in turn sent a check for the full amount of {$31000.00} directly to Kia Motors Finance. Kia was incredibly difficult to work with, provided no quote over the phone, and I had to go onto their website to find this information. XXXX XXXX tried numerous times to call and receive the payoff amount and was denied this information. After my fourth call to Kia, someone finally helped me find this payoff information. If you inspect the buyout quote I uploaded, it shows the reason for the buyout quote as INSURANCE, and shows the amount of {$31000.00} as being good through XX/XX/2022. If you look at the next document, it shows XXXX XXXX sent them the payoff of XX/XX/2022, well before the expiration date of XX/XX/2022. They have since tried to change the amount we owe them illegally. They have been harassing my husband by calling his phone number three times a day even though we gave them the correct number many times. When I try to call them back to speak with them, they keep me on hold for hours and then hang up on me, never speaking to me. When I answer a call they make to my husbands phone, its just a recording to call them. They are intentionally not talking with me or working with me. They made it clear either I pay them extra money, or they go after my credit. In a letter they recently sent me, they are stating that they will " charge off '' this amount in a couple weeks and try to destroy my credit. I am a hardworking immigrant and military spouse who has been paying all my legitimate bills on time for years trying to build up my credit and provide a good life for my children. Please help me with this immoral company abusing their power to hurt me and force me to pay unsubstantiated money. I never would have imagined a company as large and trusted as Kia to be so bad. How can a company say they are owed a certain amount, get paid that amount, and then try to change what they are owed after they have been paid??? THIS IS EXTORTION!!!

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 2016-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been charged excessive overdraft fees by 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 explanation
Consumer complaint received 2017-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
hello, my problem is that in XXXX, XXXX bank, which is now bank of America gave me a home equity line of credit of {$300000.00}, when my yearly salary was under {$60000.00}. and then in XXXX XXXX bank gave me another {$120000.00}. I believe they should of calculated my ability to pay better than they did. now 13 years later, and XXXX tears of age, I still owe {$420000.00}. with a yearly salary of {$52000.00}. with the interest rates going higher I 'm finding it extremely difficult to meet my obligation of paying these mortgages. I 'm afraid foreclosure is inevitable.

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 2016-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is now going on 3 years, XXXX has removed this debt, but TransUnion is still showing as an open item.

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 2022-11-17
Company: Park Hill Holdings
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XXXX, I submitted a CFPB complaint to receive the data that was shared to XXXX XXXX XXXX XXXX XXXX. SafeRent Solutions LLC is a reseller consumer reporting agency that provides tenant screening reports to its clients who are typically property management companies, landlords, and apartment complexes in the multi-family housing industry to support their evaluation of housing eligibility of an applicant. I'm concerned about my privacy as I do not recall signing anything to give SafeRent Solutions LLC my consent to to share my personal information. If I am mistaken, please send documentation with my acknowledgement and signature of agreeing to this. If I never consented to this, who authorized these transactions? I do not have any POA or authorized rep on the record who I've authorized to speak on my behalf.

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 2022-11-17
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I called in XXXX and opened an account but my offer of {$220.00} for new checking was not added so the phone agent said they could do {$200.00} instead because {$220.00} was not available anymore even though i let them know i had a mailer XXXX a code. fast forward to XXXX i tried to call and give them the mailer code for the additional {$25.00} and they refused to honor the mailer saying its not available again. I reminded them i previously called when i opened the account and still they would not honor the mailer i had originally referred to even though i had mailer in my hand with code which states {$220.00} for new checking and expires XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Coinbase placed a restriction on my account back in 2018 which blocks me from all transactions including withdrawal of the funds. I had contacted them via email several times. One reply dated on XX/XX/2018 stated : " We regret to inform you that we are no longer able to support your Coinbase account as well as any other accounts you may have created. Please note, we have not blocked access to the balance currently in your Coinbase account ; while we can no longer process brokerage orders via our banking relationship, you may still send your balance offsite to an external address.

There are a variety of factors which have been weighed in your case, and we unfortunately are unable to elaborate on our internal decision process. Please know that we do not make these decisions lightly, and do regret losing you as a customer. '' When I had reached out to them via the telephone, I was told that they could not tell me the reason why. They stated that in their email reply that I " may still send my balance offsite to an external address. '' However, this is incorrect because they had blocked that as well. 

A full dialogue of emails and account details are available on request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Self Financial Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The XXXX credit bureaus do not have my permission to report anything and I have the right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was notified via credit monitoring of a collection account and called the company listed. I was informed of the original creditor and amount owed. I immediately told the agencies representative I felt this debt was not valid and requested they investigate. He verified my personal information and stated based on that matching they believed this debt to be valid. I stated again I felt it was invalid and request they investigate per FCRA regulations. Representative refused to submit any investigation and proceeded with his collection attempts and advised to me " this account will continue to be reported and your credit score will continue to drop every month this goes unpaid. '' The statute of limitation has also already expired. There is multiple violations that is company has done within one phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am requesting an investigation of the following data that appears on my credit report. Specifically, Im disputing the records that your company is sending to the credit reporting agencies. 

When I disputed this record with the credit bureaus, they stated the information was verified. However, because credit recording agencies often use software that doesnt provide complete investigations, I am disputing the information directly with you. This is my right under section 623 of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX XXXX XXXX XXXX Debt Relief Announcement The XXXX XXXX announced on XX/XX/XXXX, that up to {$20000.00} is being provided in federal student loan debt-cancellation for loans held by the U.S. Department of Education ( ED ) . We will continue to update our website with information as we receive it and provide answers to commonly asked questions. For additional information, visit One-Time Student Loan Debt Relief and U.S. Department of Education Subscriptions to sign up for Federal Student Loan Borrower Updates . 
XXXX AES/PHEAA continues to solicit this false message despite the integrity of this " plan '' being skewed remarkably by the XXXX XXXX. PHEAA should not be engaging in misleading borrowers into thinking this is a go when a Federal Judge just blocked it from being legal. Even if this does become legal, it is not legal right now. PHEAA should not be giving borrowers a promising statement when the reality is nobody knows what is going to happen. More than likely, it will be tossed. The Economy is already destroyed due to the XXXX XXXX 's inexplicable failure. Impeachment trials have a strong likelihood of succeeding beginning in XX/XX/XXXX. 

XXXX rejected the XXXX administration 's arguments that, in a law known as the XXXX XXXX, Congress had already given the president the power to erase student loan debts in a time of national emergency and that the XXXX pandemic is just such an emergency. 

Per XXXX XXXX XXXX : " In this country, we are not ruled by an all-powerful executive with a pen and a phone, '' XXXX wrote XXXX " Instead, we are ruled by a Constitution that provides for three distinct and independent branches of government. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Theres a creditor added to my credit XXXX and I dont recall having this account open t I had no loans other than my school loans. I believe someone else is using my information. I had not open any loans other than my school loans. Please get this resolve. I also have debts that are over 7 years that are still in my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions 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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-11-17
Company: Global Lending Services LLC
State: AL
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:
This is to bring to your notice that my credit report shows an inquiry from your company, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. 

The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit. Therefore, I request that you remove this inquiry from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX ( approx ) I received a modification approval from Ocwen for our mortgage. On XX/XX/XXXX ( see attached proof ) we sent this in to them via email as requested. Also that same day I spoke to them and made my XXXX payment so that it would not be late due to the bank holiday. On XX/XX/XXXX we made our second payment and I was lead to believe all was ok. We never received notice that they did not have the paperwork nor were we led to believe that there was any issue. On XX/XX/XXXX I received my scheduled call from our Relationship Manager and at this time he tells me that our mod was cancelled because they did not have the paperwork.I confirmed this with a email. I then informed him that we sent in in on XX/XX/XXXX and at that time he confirmed it and told me that he would have it all straightened out and we would receive the final docs to sign in XXXX days. I gave it till XX/XX/XXXX and still nothing from them, so I called again, and again told everything is ok, they are working to get it resolved give it XXXX more days. So again I wait for the paperwork and again nothing, call them again on XXXX. This time told its still in review and nothing has been done. I will get a call by the end of the day. No call but I get an email stating that the denial was reversed, but they are still reviewing to see if they can give me a mod. I dont understand, because the mod was done and approved, but they screwed it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have disputed this account several times. After opening this account, my husband took the paperwork given to us at the store and created an online account with all of his contact information. He managed and paid this account the entire time until XX/XX/XXXX when he informed me that this account was in my name and he was no longer going to pay since it would not affect his credit report. He added himself, without my knowledge or consent, and received his own card. When we separated in XX/XX/XXXX, he continued to use this card without my knowledge or consent and maxxed the card out taking various trips and his monthly bills. I have a letter from Citibank that confirms that he did this. However, they keep telling me that because he was an authorized user, I am responsible for the debt. 
I have disputed this many times starting in XX/XX/XXXX yet Citibank continued to assess fees and charges and sought payment while it was under investigation. They continued to report to the credit reporting agencies as late throughout the entire dispute and investigation process as well. It was also charged off during the dispute and investigation. I was told the fees would be adjusted after the dispute and investigation. This was not done. 
Citibank continues to state that this debt has been verified but has refused to offer me any proof or documentation that has been requested multiple times as outlined in the Fair Credit Reporting Act. I have also filed a police report and FTC report as requested by Citibank.

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 2015-07-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
EXPERIANXXXX XXXXSTATUS SHOWING COLLECTION/CHARGE OFF ( SHOULD BE UNKNOWN ) REMARKS SHOW UNPAID BALANCE ( SHOULD BE INCLUDED IN CHAPTER XXXX BANKRUPTCY ) ACCOUNT WAS LISTED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband and I purchased a home XX/XX/XXXX. We made payments until we experienced financial hardship. We contacted the bank and sought a modification. The bank gave us a trial modification requiring that we make three payments in the amount of approximately {$2000.00}. We felt that this amount was a take it or leave it agreement and was setting us up for failure. This amount was more than we could afford, nevertheless, we made two payments under the trial modification. However, before the third payment, my husband passed in XX/XX/XXXX. I then sought to may arrangements with the bank, based on his death and further change in my financial circumstances. Despite my efforts the bank refuses to work with me. They will not talk to me. Instead, they filed a foreclosure case against me on XX/XX/XXXX in the XXXX county courts. I am XXXX years old. I am on a fixed income, and do not want to lose my home. Now it seems like they have transferred my loan to XXXX XXXX XXXX. Please help

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