BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/2023 I opened a new checking account with Capital One Bank. When linking my direct deposit information with my employer to my new account I accidentally transposed the last two digits of my account number. XX/XX/2023 my paycheck of {$2900.00} was deposited into the incorrect bank account belonging to someone else. XX/XX/XXXX my paycheck of {$2700.00} was also deposited into this other person 's bank account. XX/XX/XXXX my employer initiated a direct deposit reversal in an attempt to recoup these funds. On XX/XX/XXXX ( and after numerous phone calls with Capital One ) I opened a claim with Capital One about retrieving the missing funds. XX/XX/XXXX my employer notified me that the bank denied the reversal request. XX/XX/XXXX Capital One notified me that they denied my claims with their Customer Protections Resolution Department.

I have had countless phone calls with Capital One and my payroll administrator to try to fix this issue. Capital One only notified me of the claims process on XX/XX/XXXX to try to retrieve the funds... this was after months of calling. They have told me that an ACH reversal is the only way the funds can be returned and " it would be treated like a bounced check '' so even if the other bank account holder spent the funds they would still honor the request. Every time I speak with them the goal posts are moved in a slightly different direction, and the last phone call on Friday XX/XX/XXXX they told me that I need to " speak to my payroll again, they have ways of recouping funds. '' I reminded them the ACH reversal was denied and what other avenue does my payroll have? They were unable to answer this question. At this rate Capital One seems to be doing more to help the person that walked away with my paychecks than they are helping me. 

My son is having costly unexpected medical issues and I absolutely can not afford to lose a month 's wages for my time as an XXXX XXXX. At this time both my employer and the bank are claiming they can do nothing further. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received notification that a collection account was placed on my credit profiles. This company did not validate the debt was owed by me. This company is in violation of the FCRA reporting standards.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Diversified Adjustment Service, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Diversified Adjustment reported me to XXXX and XXXX Credit agency and this is not my debt. I researched the debt and it was from a XXXX phone account. I have never had an account with XXXX XXXX Phone company, I have not received any communication in regard to this account. I had my purse stole back in XXXX of 2023 and I filed a identity theft report with the XXXX Police Department, Police Report XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-08-07
Company: FinCo Services Inc DBA Current
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This bank holds pending transactions for ( 30 ) days which should be illegal.When you get a hotel or something and they place a security hold on funds once the hotel release those funds the bank holds them for ( 30 ) calendar days which is illegal and they should be liable for a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: SC
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:
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 explanation
Consumer complaint received 2023-08-17
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
American Express bank ( Amex ) is violating consumer rights. Below are the facts of my complaint. 

1. I opened an Amex CD certificate of deposit on XX/XX/XXXX for a term of 12 months only. Account number ending in XXXX. 

2. As of XX/XX/XXXX I have {$71.00} worth of accrued interest. 

3. Upon inquiring for early withdrawal and closure of CD as of XX/XX/XXXX I was told by customer service and their manager that I would have to pay a penalty of {$300.00} on XX/XX/XXXX this is illegal since I have only accrued {$71.00} in interest! Only the interest accrued should qualify for the penalty and NOT the principal amount. 

4. AmEx makes it impossible to close out this account online or to even change the maturity instructions to close out the CD upon maturity. It seems the CD automatically renews even though I have asked their customer service multiple times over phone that I do not wish for the CD to automatically renew but noone helped me to change the CD maturity instructions. 

5. Amexs CD disclosures are misleading and DO NOT mention it clearly that the consumer would have to pay future interest NOT YET earned as a penalty for closures. 

Can the CFPB assist in correcting this extremely dubious banks deceptive and illegal practices? And I hope that through my actions other consumers are not subjected to the same level of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Consumer Adjustment Company Incorporated
State: MO
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:
XXXX Report Number : XXXX Date Generated : XX/XX/2023 Collection Company : CONSUMER ADJUSTMENT CO Amount Owed : {$350.00} I am not liable for this debt with XXXX XXXX XXXX I do not have a contract with Consumer Adjustment CO. Neither XXXX nor Consumer Adjustment Co has provided me with the original contract as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Maximus Education, LLC dba Aidvantage
State: AZ
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:
Thank you for your letter dated XXXX XXXX wherein you confirm my outstanding balance as requested. 

It is apparent that you have overlooked or ignored my request to confirm that you would accept full payment of the alleged obligation from me in consideration of your delivery to me of the original instrument of indebtedness in its original form. 

Accordingly, unless I receive your written confirmation that you will accept payment from me in consideration of your delivery to me of the original instrument of indebtedness in its original form on or before XX/XX/2023, I will conclude that you are either unable or unwilling to comply, and I will thereafter consider the matter between us to have been legally and financially settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
They are still choosing not to fix credit concepts so I'm filling a claim against all three agency the are fraudulent ignoring dispute they don't get 30 days it been a year of disputing how are you guys suing company 's but my complaint your not really assisting with.and XXXX XXXX XXXX child support needs to be removed and both XXXX XXXX sent email said there not removing it these agency are fraud and you guys keep letting do what ever.where is the file and applications of my signature.they don't have to provided cause they don't want to seems like they need an audit.how do I know alidated the debt if there refusing to send application. Late payments there is none how long does it take agency to fix errors a whole year.i will contact attorney state general .if this is not fixed and XXXX days they had a year so XXXX days and I need fees for each violation they ignored my invoice

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 2023-02-16
Company: TD BANK US HOLDING COMPANY
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:
Im responding in regards to your response on original XXXX. You stated that youre not reporting to my credit so I will attach the current inquiry that YOU ARE reporting on my credit report. Please remove this asap since you stated youre not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: General Motors Financial Company, Inc.
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/XXXX XXXX : XXXX XXXX  TRACKING NUMBER XXXX SENT VIA REGISTERED MAIL TO XXXX XXXX XXXX GM FINANCIAL TO XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX DELIVERED VIA XXXX REGISTERED MAIL TO GM FINANCIAL FOR XXXX XXXX. 
XX/XX/XXXX GM FINANCIAL REPOSESSED MY AUTO MOBILE. EVEN AFTER EXPLAINING I SENT IN MY PAYMENT THEY REFUSED TO RELEASE MY PERSONAL PROPERTY BACK. 
XX/XX/XXXX XXXX XXXX. TRACKING NUMBER XXXX SENT PRIORITY MAIL XXXX TO XXXX XXXX XXXX GM FINANCIAL. WITH A PAYMENT FOR {$36000.00}. 
XX/XX/XXXX XXXX XXXX  DELIVERED VIA PRIORITY MAIL XXXX XXXX. 
GM FINANCIALA C/O XXXX XXXX  REFUSED TO RELEASE MY AUTOMOBILE. MY ACCOUNT HAS NOT BEEN CREDITED AND I CONTINUE TO RECEIVE CALLS FROM GM FINANCIAL. 
ON OR AROUND XX/XX/XXXX I RECEIVED A LETTER GM FINANCIAL/ XXXX XXXX THRETENED TO SELL MY AUTO MOBILE IN A PRIVATE SELL ON OR AROUND XX/XX/XXXX. 
XX/XX/XXXX, XXXX XXXX  XXXX SENT PROOF OF PAYMENT TO XXXX XXXX CHIEF LEGAL XXXX FOR GM FINANCIAL XXXX GM FINANCIAL XXXX 
DOMESTIC RETURN RECEIPT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX MAIL XXXX SENT PROOF OF PAYMENT REQUESING A STATEMENT OF MY ACCOUNT T0 XXXX XXXX XXXX XXXX XXXX XXXX XXXX for GM FINANCIAL XXXX GM FINANCIAL TO XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX DOMESTIC RETURN RECEIPT XXXX XX/XX/XXXX XXXX : XXXX XXXX  XXXX SENT TO GM FINANCIAL c/o XXXX XXXX TO XXXX XXXX XXXX, XXXX TEXAS XXXX XXXX PAYMENT AND REQUESTING STATEMENT OF ACCONT, AND PROOF OF CLAIM. 
Domestic return receipt number XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I WAS FORCED TO MAKE ANOTHER PAYMENT OF {$3100.00} IN ORDER TO GAIN POSSESSION OF MY PERSONAL PROPERTY AND AUTOMOBILE THAT HAS BEEN PAID IN FULL AGAIN AS OF XX/XX/XXXX AND XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I opened a HELOC with UWM in XX/XX/2023. I took a partial draw. I urgently need additonal funds from my available credit and have not been able to get to my money. They state they need to trasnfer the loan but the has not happened. I signed a HELOC notice that states I wouldnot have access to unfunded portion for 60 to ninety days. This period has been exceeded. They have been neglitent and causing me hardship. 

I need access to my funds immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
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:
on or about XXXX. XXXX 2023 I disputed my credit report with XXXX XXXX XXXX XXXX about inaccurate information on my credit report .It was reported that I was 60 days late an 30 days late with my payments, after a investigation by XXXX XXXX XXXX XXXX said the late payments ave valid. XX/XX/ 2023 I talked to the creditor and verified my payments with my bank statements. They updated my report with more late days.i enclosed my bank statements .my mortgage is due on the XXXX of every month, I was never 30 days late

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Stern Recovery Services, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
SRS recovery services continues to contact me despite me asking them to validate the debt and send me any information in writing. I have asked each time to no longer contact me by phone. The same repreaentative who called the last time, called again and said they would not. She disconnected the call when I said I had already requested they no longer contact me by phone.

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 2023-08-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio recovery is harassing me weekly by sending multiple letters through mail to obtain a debt already settled. Settlement letter is written by portfolio recovery with a XXXX  balance but yet they seem to harass me through mail to collect a non existent debt. I never signed a contract with portfolio recovery they do not have products ito offer just a leech that attaches themselves to individuals credit profile for the sole purpose of monetary gain. I am requesting a cease and desist of all calls, email, mail contact with me immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12
Company: AMERICAN HONDA FINANCE CORP
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XXXX XXXX I mailed the next 9 car payments to Honda Financial Services, XXXX XXXX XXXX, XXXX, XXXX XXXX telephone number XXXX. On XXXX XX/XX/2023 they claimed they never received these payments. I did a stop payment on all 9 payments and mailed them 9 new payments VIA the US Postal Services on XXXX XX/XX/2023 VIA certified mail with signatures required. On XXXX XX/XX/2023 they tried to process the 9 payments dated XXXX XX/XX/2023 ( stop payments already made ). On XXXX XX/XX/2023 they signed for the certified letter containing the next 9 payments. On XXXX XX/XX/2023 they telephoned me asking why I had not made the XXXX payment ( they had the XXXX payment plus the next 8 payments in their office since XXXX XX/XX/2023 ). It took them over 30 minutes to locate these payments and they can't tell me when they are actually going to post these payments. I have excellent credit and I will not allow Honda Financial Services to mess up my credit because they are not processing my car payments in a timely manner. I will NEVER buy another Honda car. They have the worse customer service that I have ever seen, and they do not post your payments for more than a week after they receive them. It appears that they are trying to make their customers have bad credit by not processing payments in a timely manner when they receive them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Atlanticus Services Corporation
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made the purchase on XX/XX/2022 at XXXX XXXX XXXX through Fortiva. For every month I have paid either the minimum amount of {$60.00} or some months even up to {$80.00} on the XXXX ( due date ), but they have charged me a late fee os {$41.00} every time because the payment was made after XXXX. I read the clause and there is no place where it says payment should be made before XXXX, it says it should be made on the due date on a timely manner. It does not specify time. Now they are refusing to do anything about it, even after I paid them every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-08
Company: HEARTLAND PAYMENT SYSTEMS INC
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I started an online chat after not being able to find a specific document. The chat agent kept telling me to log onto my account although I was already logged on and had to be signed in to be able to chat. He repeated told me my fixed payment, but was unable to give me information how to obtain the document that showed what he told me. I needed a payment estimate for my mortgage company. The agent kept me on chat for about an hour and never resolved my issue and often stopped responding and I didnt know if they were still on the chat.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRUIST FINANCIAL CORPORATION
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I don't know how to communicate with Truist regarding mortgage payment problem I had with them while my XXXX was sick and XXXX of XXXX. Every time I write a complaint and ask for resolution and removal of the remarks on my credit account Truist repeats what I said back to me what I wrote and the matter is closed. Truist failed to process payments as set up and has inaccurately reported to all three credit bureaus differently.

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 2023-08-16
Company: Resurgent Capital Services L.P.
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: Reporting company used your report improperly

Complaint:
According to the FDCPA, I am a consumer as defined under 15 USC 1692a ( 3 ) The term " consumer '' means any natural person obligated or allegedly obligated to pay any debt. Im allegedly obligated, not obligated. You can be either and since the law states The United States is obligated to pay debt, not a consumer according to uniform code 18 usc 8 company is being intentionally negligent by furnishing such information to my consumer report! Company is reporting inaccurate information.

Company response to consumer: Closed with explanation