BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-22
Company: R & B Corporation of Virginia
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am not liable and refuse to pay this debt with XXXX XXXX XXXX XXXXXXXX, I have no contract with Credit Control Corp in regards to account # XXXX. The information on my credit report is inaccurate and I demand that it be investigated and removed immediately to avoid further legal actions against all parties involved. Thanks in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31
Company: Shellpoint Partners, LLC
State: AL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Shell point Mortgage has made a hard inquiry on my credit report. I did not request this and I am not even trying to apply for a mortgage. It shows they did this on XX/XX/XXXX, this was discharged in Bankruptcy in XXXX. No reason they pulled my credit. I would like this removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
This past week, I got a refund from a company overseas. This was a refund that was delayed due to the pandemic and took a long time for them to confirm it. 

The amount for the refund was XXXX I checked my account this morning and I saw that a fee of XXXX XXXX was charged to my account. This was not my doing, I had no control over the refund amount that came from overseas, wasn't aware they were international. If I did a wire transfer on my own accord, that would be one thing. But to be charged a fee for a refund is not acceptable. 

Also the multiple charges for a low account fee is beyond unfair. I was struggling with some health issues and had no control over what was happening. In XXXX XXXX XXXXXXXX I believe.

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 2024-01-24
Company: U.S. BANCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My name is XXXX XXXX and I have a US bank checking account. My Dad, XXXX XXXX, used to have a US Bank checking account and when registered he used my mobile phone number, XXXX, to register his online banking, since he has been sharing my phone that time, but since last month, when I log in to my US bank mobile banking, it keeps pops up that the mobile number is been used by someone else ( which is my Dad I think ). My dad has already canceled the US bank checking account, but the issue for me to log in to the US bank mobile app still exists and still keeps saying my mobile number is used by someone else which prevents me from logging in to the mobile app. I called US bank support several times but the issue has not been fixed. Please help me fix this error and thank you so much!

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 2024-01-24
Company: U.S. BANCORP
State: FL
Product: Credit 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 paid XXXX XXXX XXXX {$620.00} on XX/XX/23 for services. They did not perform the services and agreed to refund my {$620.00}. I received a letter from US Bank and need help filling out the return form enclosed in the letter. The letter says it needs to be returned by a fax machine. I don't have a fax machine or access to a fax machine. I need to send the information via e-mail. I have been calling US Bank and they have not returned my calls.

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 2024-01-24
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I traded a car that was financed thru Truist on XX/XX/XXXX. I'd purchased XXXX  XXXX  at the time I purchased the vehicle. I reached out to Truist to obtain a status on my XXXX refund and they told me they'd sent a refund to me on XX/XX/XXXX. They sent the check to an address that was never on my loan. I've resided at the same address since that car was purchased XX/XX/XXXX, and they have not explained why the check was sent to another address. They told me they could not stop payment on that check or reissue because they were going thru a system conversion and could not give a date when they'd send out a new check. I've called every week since and I keep getting the same story. I've asked to speak with leadership and to date no one has called me back and my check has not been processed as of this past XXXX  XX/XX/XXXX when I last called.

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 2024-01-24
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We canceled an extended warranty on an RV loan we have with BMO Harris Bank. The dealer sent BMO the check for {$3900.00}. The check was cashed but never applied to our account. After XXXX attempts they can not find the payment.

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 2024-01-24
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Per 15 USC 1681c-2, this is the statement that the information identified is not information related to any transaction made by me the consumer.

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 2024-01-24
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a purchase on XX/XX/XXXX for {$59.00} The closing date on by account is the XXXX of the month and the payment due date is the XXXX of the following month. 
This purchase was the only transaction and amount due on my statement. So, {$59.00} was due on XX/XX/XXXX. 
I returned the item on XX/XX/XXXX. This was well in advance of my payment due date, so I did not make a payment on XX/XX/XXXX as my remaining statement balance was XXXX. 
I was assessed a late fee of {$29.00} on XX/XX/XXXX. 
I called Macy 's to ask why I was charged a late fee when the item was returned well in advance of the payment date. I was told it does not count towards my account balance until the billing cycle has ended. In other words, I returned the merchandise, they have it back, but they won't actually credit the return to my account until the next statement closes. 
I did call Macy 's and after about XXXX minutes to explain the situation. They adjusted the charge but couldn't answer my questions about if this was a legal practice and how I could file a complaint as a consumer. 
This seems like an unfair and dishonest billing practice. Every credit card I have shows a " remaining balance '' when you go to make a payment. Some people live paycheck to paycheck and count on receiving their money when they return something. Why should they still be expected to pay for something they no longer have/own. I can see if the account take XXXX or XXXX business days to update, but in my case we're talking XXXX business days ( 16 days total ). Is this legal for them to conduct business this way? Does this go against my credit as a late payment, thereby affecting my credit score? 

I would appreciate a response. Thank you. 

XXXX XXXX I tried to upload a copy of my account statement and my return receipt. The upload was not working. I can provide in by email if required and contacted.

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 2024-01-24
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I scheduled an online mortgage payment from US Bank NA on XX/XX/year> to my mortgage bank, Pacific Global bank ( AKA. Royal Business bank ) located at XXXX XXXX XXXX XXXX XXXX, IL XXXX. In the amount of {$1100.00}. This is an online payment issued directly from US Bank to Pacific Global bank, and the payable should be Pacific Global bank. 
After a while I received notification from the mortgagor Pacific Global Bank indicated that my mortgage is in delinquent. I checked the online payment from US Bank, which indicated the check was cleared but instead of endorsed by Pacific Global bank, the same check was endorsed by two different individuals and deposited three times, which twice were successfully debited from my US Bank account. 

I went to the US Bank branches several times and questioned why the check with the same account number and Same check number, issued by US Bank, can be able to be cleared multiple times. Every time I went to US Bank to try to get the problem resolved, but without any resolution. I'm look for US Bank to reimburse the twice falsely debited check amount.

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 2024-01-21
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: Store credit 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:
Case ID XXXX Name XXXX XXXX XXXX Macys Credit card # last XXXX digits XXXX Total amount {$440.00} Police Case # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX Order made online at XXXX XXXX # XXXX. on XX/XX/ According to Macys, merchandise was left at a secured location, but the tracking numbers stated was supposedly left at the front door. 
Is very disrespectful for macys to blame me for their mistake by wanting to charge me a merchandise never received.

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 2024-01-21
Company: FC HoldCo LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX of XXXX, I reached out to the Flagship Credit Acceptance regarding lowering my monthly payment. I spoke to a supervisor who informed me that my payment would change from {$1000.00} to {$900.00} and I will be notified in writing of the changes. I have yet to receive any new paperwork reflecting the change. The company also assured me that my late payments from ( XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX ) would be removed as well. My credit report has not been updated from Flagship Credit Acceptance since XX/XX/XXXX. This oversight has hindered my homebuying process and I would like it updated and corrected immediately.

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 2024-01-21
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
CREDIT ACCEPTANCE CORP Account number XXXX In accordance with FCC regulations, the specific code or provision that grants me this right is outlined in Title 47 of the Code of Federal Regulations ( CFR ). While I do not have the exact code at hand, it is my understanding that the FCC ensures consumers have access to signed copies of contracts, especially those related to telecommunications and related services.

This is a breach of contract and an adverse action for exercising my rights.

Consumers also have rights under the Fair Debt Collection Practices Act ( FDCPA ), a separate federal law that regulates the practices of debt collectors. Under the FDCPA, if you request validation of a debt within 30 days of receiving the initial communication from a debt collector, the collector must provide you with certain information, including a written verification of the debt, if requested. However, this does not necessarily require the collector to provide the original signed contract or " wet documents. ''

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 2024-01-19
Company: Javitch, Block & Rathbone LLC
State: KY
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XXXX I reached out to set up payments with Javitch Block. These were for a collection on unpaid private student loans. They not only refused to accept payments but they also denied that they were a debt collector and made the statement that they were a law firm. I understand that they are a division within a law firm that collects debt but they were deliberately misleading us in order to not abide by FDCPA. They were also incredibly rude. Using the phrase if I were you I would take the deal and asking me questions about my wifes job and income. In addition to this, the individual spoke over me and made condescending remarks throughout. I called to set up payments in an amount I knew I could make with missing them. It was not enough for them. In addition, they mentioned a court hearing which we have not received paper work for.

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 2024-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I was called by a person that was using the Bank of America. Customer service number and they informed me my account was being hacked, and the only way I was able to stop it was to send {$1100.00} of money to myself through XXXX. The people on the phone were able to tell me how much I had in my bank account, they informed me what the last 4 of my debit card was, so at the time, I had no reason to believe they were not employed by Bank of America. Bank of America told me they were unable to return my funds to me.

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 2024-01-24
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Synchrony Bank intentionally uses misleading wording on their online auto-pay to trick consumers into their pay in full option, enabling increased interest/investment profit for their XXXXwo week " standard '' reimbursement period ( 10 business day ). While all Synchrony statements are " monthly statements, '' they use the term " statement balance '' in exchange for " pay in full. '' As the bulk of their business model is built around retail financing for " 0 % interest for X months '' promotions, in which the monthly " statement balance '' should be the total account balance divided by the number of months financed, the " statement balance '' option should only deduct this amount as consumers expect that their options are to pay the monthly statement balance to pay the account off within the 0 % interest period, to pay more than the statement balance to pay the account off early, or pay less than the statement balance at the risk of paying interest. However, in an effort to fabricate additional capital at the expense of the consumers, they have created their own nomenclature to promote errant registration to forego the agreed to 0 % interest period in exchange for their " pay in full '' interest income scheme. I had signed up for 0 % interest for 24 months promotion through XXXX XXXX, and then when I set up my online auto-pay through the Synchrony website, selecting to pay the monthly statement balance, they withdrew the full loan amount from my checking account, incurring an overdraft, and then said that they could not reverse the charge but would send me a check in 10 business days. I spoke to mulitiple people with customer service, and was instructed that they were unwilling to reverse the charge immediately and would only send out a check. Using this scheme, the company is able to trick consumers and hold their money for additional interest/investment income.

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 2024-01-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
On XXXX XXXX, I received my mortgage statement stating my mortgage payment was {$800.00} and {$690.00} was a payment of unapplied funds and {$100.00} remaining balance due XX/XX/XXXX I contacted 1st the Ombudsman department regarding this informing them with my new escrow statement my new payment starting XX/XX/XXXX for {$690.00}. 

I also informed that I completed my trial modification successfully early XX/XX/XXXX XXXX payments for XXXX, XXXX XXXX amount {$850.00}. 

My first trial payment was made XXXX XXXX for XXXX XXXX and 2nd trial payment made XXXX XXXX for XX/XX/XXXX trial payment and XXXX XXXX 3rd trial payment was made for XXXX XXXX final trial payment. 

I spoke with a SPS on a recorded line informed them my new payment according to the attached escrow statement would be {$690.00} She said I still had to sign the modification docs with the monthly payment of {$830.00} She assured me I would received the corrected amount after the modification documents were executed. 

I trusted the conversation. 

So in XX/XX/XXXX I paid {$690.00} as escrow new attached statement for XX/XX/XXXX payment. I was always a month ahead. Payments were only to be applied as payments no additional funds towards principal or escrow So my next payment should not be due until XXXX XXXX as of XXXX. 

Just trying to stay on track and not get behind again. 

I also inform XXXX in the Ombudsman Department that my 1st payment should have became due one month after my modification had been executed and one month in the rears. That never happen I was told my first payment starts XX/XX/XXXX would be do at that time. 

I am aware that and escrow analysis was completed XX/XX/XXXX and according to RESPA a Servicer completes once a year. And only if a borrower request should another be completed in that year. 

I don't want to feel like their is going to be retaliation against me since I am trying to stay on track and can not afford another increase and get behind again. I do appreciate all the help that's why I am a month ahead with my mortgage payment now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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 found the following improper hard inquiries on my credit reports. Specifically, there are duplicate hard inquiries for pre-approved mortgages : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX There are duplicate hard inquiries for pre-approved car loans : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX There are unnecessary hard inquiries for pre-approved credit card applications : XXXX XX/XX/XXXX XXXX XX/XX/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 2023-12-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-01-21
Company: Firstsource Business Process Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Good morning I started doing online payment each month without communicating with any rep because is only from Monday to Friday, and I can get a time on working hours, I went to the Hospital website and I started payment each month and I keep receiving letters that I owed same amount of Money, I keep all documents on record, I believe a fraud is on one of those part involved, any payment Have been posted,

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation