BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-28
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Have Checking Account with TD bank Unauthorized fraudulent activity notified TD bank unable to contact XXXX  or XXXX  XXXX. 
These are the following transactions All pending {$51.00} XXXX  XX/XX/  {$6.00} XXXX  XX/XX/ {$37.00} XX/XX/XXXX{$14.00} XXXX  And XXXX  XXXX XXXX   {$200.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-28
Company: BBVA FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2020, I ended the day with an available balance of {$1000.00} in my checking account On XX/XX/2020, I made a payment of {$1000.00} to pay my credit card On XX/XX/2020, I was charged a Non-Sufficient Fund fee of {$38.00}. When I called in to inquire about this fee, I was told that a hold was put on my check deposit so even though the display balance was {$1000.00}, my actual balance was only {$500.00}. The agent offered to waive the fee and I accepted. I confirmed that this time my available balance was the full amount {$1000.00} On XX/XX/2020, I tried to re-make the same payment of {$1000.00} to my credit card. I double checked that both my available balance and my posted balance was {$1000.00}. After I made the payment, the balance dropped to XXXX On XX/XX/2020, I was again charged a Non-Sufficient Fund fee of {$38.00}. BBVA seems to engage in deceptive practices of charge NSF fee when not applicable, or purposely hides the true balance of an account so customer would incur NSF fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-28
Company: CITIBANK, N.A.
State: MD
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: Card was charged for something you did not purchase with the card

Complaint:
Citibank is charging me {$590.00} for a service that was cancelled prior to the event.

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 2023-08-04
Company: DISCOVER BANK
State: MN
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 am writing to express my deep concern and frustration regarding a dispute case related to a transaction with the merchant XXXX XXXX XXXX, for the amount of {$1000.00}. Despite my efforts to resolve this matter with both XXXX and Discover, I have yet to receive a satisfactory resolution and feel compelled to seek assistance from the Consumer Financial Protection Bureau. 

On XX/XX/XXXX, I returned the package associated with the aforementioned transaction. I took the necessary steps to contact XXXX and initiate the return process. The tracking number XXXX confirms that the package was successfully returned to XXXX. Furthermore, XXXX themselves have acknowledged the return in the documents I provided to Discover. 

However, I find myself in a perplexing situation where Discover claims that I did not provide the return label for the transaction in question. I want to emphasize that I did indeed include all relevant documentation, including the return label, in the communication with Discover. It is disappointing to be met with this assertion despite providing clear evidence to the contrary. 

I am committed to resolving this matter in a fair and just manner. I believe that the evidence at hand, including the tracking information and the confirmation from XXXX, supports my case. I have made multiple attempts to communicate with Discover and have provided all requested documentation to validate my claim. Despite my efforts, I have not received the resolution I deserve. 

I kindly request the Consumer Financial Protection Bureau to intervene and facilitate a prompt and equitable resolution to this dispute. I have been a loyal customer and have diligently adhered to the necessary steps to address this issue. It is my hope that your involvement will bring this matter to a close and ensure that I am not unjustly held responsible for a transaction that has been clearly resolved. 

Enclosed with this letter, please find copies of the relevant documents, including the return label, tracking information, and correspondence with both XXXX and Discover. I am ready and willing to provide any additional information that may be required to expedite the resolution process. 

Thank you for your attention to this matter. I am hopeful that with the assistance of the Consumer Financial Protection Bureau, a favorable resolution can be reached promptly. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: CCF Intermediate Holdings LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
Received a title loan from Check Into Cash and XXXX XXXX  and sometime in XXXX of last year she had given no actually I'm sorry it was XXXX she giving me till XXXX to make payments in that time I was a victim of identity theft all of my accounts were frozen they got a hold of my just open credit card account and wrapped up the whole {$4000.00} credit limit XXXX XXXX  has been slow and even non-existent to fixing it but I wasn't able to make my payments I kept in constant contact with this lady she promised me that it wouldn't repossess my car they came and repossessed my car when I called them to find out where it was how much they knew nothing they couldn't give me any information about anything about a car they had repossessed I finally got a hold of their corporate office in Ohio I was told that it wasn't in the system yet and call back you know in a day or so that way you know the charge is racked up even more I'm pretty sure so I finally called and they or give me the runaround run around run around finally told me the name of the company that I could get ahold of to get my personal belongings out of my car because they told me how much it was going to be and I told him they could have it it wasn't worth that to me I called the local tow yards it had my car no answer left a message never got a call back emails more messages nobody ever contacted me now I never saw my car again I never was able to get my personal belongings out of that car my children 's birthday presents were in there my XXXX was in there and to this day I still don't know where my car was or where my personal belongings ended up now I think somebody needs to compensate for the Lost birthday presents and my {$500.00} XXXX  I am willing to provide receipts serial numbers whatever anybody needs I'm willing to provide that but somebody needs to be held responsible for the events that took place I could care less about the car I have eight others but a simple fact of my children 's birthday presents and my XXXX  were in that car and these people lied through their teeth from day one stating that they had giving me ample notice of an intent to sell and I never got anything when I made a complaint with a XXXX XXXX XXXX they lied to them and told them that it took me eight days to call about my car which is a bunch of XXXX because I have the call logs showing that I called the morning they repossessed my car several times to the corporate office in Ohio and the idiots here in 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 2023-02-18
Company: EQUIFAX, INC.
State: GA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
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: Problem with personal statement of dispute

Complaint:
In XX/XX/2017 through my Debit Management Program XXXX I entered into an agreement with Huntington National Bank to close the credit card issued by them and set a payment plan for {$130.00} per month. In XX/XX/2017 I began to receive collections calls from Huntington and after discussing with them I was told that the account was charged-off. This is a violation of our agreement in good faith. Additionally I had a conversation with a specialist at Huntington that assure me that the charge-off would be reversed and marked as closed, paying. I would request Hunting honor the DMP agreement by removing the charge-off notation and properly re-aging the account per the terms of our contract. I have attempted to call and dispute this reporting several times with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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 2023-02-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I was incarcerated from XX/XX/XXXX to XX/XX/XXXX of last year, during this time, I was a victim of fraud, someone took my credentials open accounts everywhere and went into my Chase account, and XXXX them selves money from XXXX account to the other, will both be in my name, but I was in jail, I have tried to deal with Chase for months now they start a total of almost {$27000.00} and I have only gotten back {$6400.00}, this investigation has escalated so much that no one knows whats going on and I need to get my money, they stalled {$27000.00} in Chase allowed in additional {$11000.00} of overdraft. 
Through investigation, I have now learned the name of the suspect is XXXX XXXX, he change my numbers address, emails everything they had to do with my account and created fraud, I keep dealing with Chase here in XXXX. No one knows whats going on so many people have gotten involved in this case that no one knows whats going on in time keeps going by, I need your help. 
I will attach my proof of incarceration and police report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: SYNCHRONY FINANCIAL
State: TX
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 had the lowes advantage card and always paid on time. So I went to make a payment on it XXXX and they accepted my payment. So I went to use it to buy something and did not work. So I paid cash for stuff I needed on same day. So then I go outside and call and they quickly told me they closed it due to credit with out any notice.

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 2020-03-28
Company: MORTGAGE SOLUTIONS OF COLORADO
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I had past issues with Mortgage Solutions of Colorado, LLC. Specifically XXXX XXXX, and XXXX XXXX dating back to XXXX of 2018. 

I noted their disclosures/closing costs were extremely high, but was urged to sign to keep the process moving. Eventually, I was able to cut ties and close through another lender at 1/4 the cost. I put everything behind me ; however, I was recently contacted by XXXX regarding a refinance. He professionally referred to me as a XXXX off During the lending process, they denied my COE, claiming I fraudulently altered it and told me I was a liar. It was then determined that their administrative personnel did not correctly request my COE. I contacted the VA, and it was confirmed that no requests were made through the portal by mortgage solutions. I have emails of correspondence to support this, but majority of the discussion was held by phone in XXXX 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On Monday, XX/XX/2022, I spent almost XXXX hours trying to correct a problem with my account at Equifax. Although I have removed a freeze from my account using the Equifax website on Sunday, XX/XX/2022, with the website confirming that the freeze was removed, XXXX XXXX XXXX XXXX was unable to pull my credit report for a mortgage application. Equifax told XXXX XXXX there was a freeze on the account. This was XXXX full day after I had removed the freeze. 

During my Monday call to Equifax, I was then told that there was a fraud alert on my account. I instructed the Equifax agent to remove that fraud alert at that time. 

The Equifax fraud alert clearly does not work because I have never received the call from Equifax when my account was accessed. 

Today, Tuesday, XX/XX/XXXX, XXXX XXXX XXXX XXXX again tried to pull my credit report for my mortgage application. Again Equifax told XXXX XXXX XXXX XXXX that there was a fraud alert on the account, thus blocking my credit union from obtaining my credit report. 

XXXX XXXX XXXX XXXX immediately contacted me. Equifax did not contact me. I signed onto the Equifax website which clearly indicated that my account did NOT have a freeze NOR did it have fraud alert. 

I have a screen print of the Equifax webpage showing this information and I provided this screen print to my XXXX XXXX, XXXX XXXX XXXX XXXX. 

It is so unfair that these credit reporting agencies can perform so poorly and disrupt the lives of consumers with no recourse or consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I called XX/XX/2020 about an unauthorized transaction on XX/XX/2020. Merchant name is XXXX. Took {$250.00} out of my account and I do not have any involvement with this merchant nor have I ever had an account with them. My card has been used without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have late payments from my student loans and I really need to get those off my credit because Im trying to better my life and credit score the late payment is really making my credit report bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have asked experian to remove the bankruptcy from my credit report it says on my report that experian received the information from the bankruptcy court but the bankruptcy court dose not report to any credit reporting agency

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 2022-04-12
Company: World Acceptance Corporation
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: OneMain Finance Corporation
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:
Please be advise this is not a dispute for charge-off amount, this is a notice that you are furnishing inaccurate information to CRA 's XXXX You ONEMAIN XXXX are reporting a " charge-off '' on my consumer report with the CRA 's XXXX XXXX, XXXX, or XXXX ) which is in fact inaccurate information As Defined by The IRS Even if you didnt receive a form 1099-C, you must report canceled debit as gross income on your tax return. 
The IRS clearly defines a charge off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 
By Definition The IRS clearly says a Cancelled or Charge off is income. The reporting of this account as a debt is inaccurate. 
15 USC 1681 s-2 Says You ONEMAIN are a furnisher of information to a consumer reporting agency. 
You ARE PROHIBITED BY LAW to furnish inaccurate information, I demand you to Cease and Desist the reporting of incorrect/ inaccurate information immediately!

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: FIRST CITIZENS BANCSHARES, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email from CIT bank stating that they need to verify my identity to open an account. 

The person attempting to open the account has my name and email. 

The person is not me I tried calling the fraud number with CIT and all I get is a bunch of automated options.none of which relate to fraud. 

This is the second attempt for someone to open an account in my name. There was one with XXXX XXXXXXXX XXXX several months ago. They wanted my personal information to resolve and I refused. I filed a complaint with my local Sheriffs office.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
My federal and nj state tax refund were fraudulently sent to USAA bank and theyve wont give me any details despite telling them that this was done fradulently. My federal state refund was sent to them on XX/XX/2020 for {$12000.00} and my state refund of {$2200.00} was sent to them on XX/XX/XXXX. I have no idea if this money was sent back to the respective parties or not or who the account at USAA even belongs to or whether someone tried to open the account in my name. Its ridiculous that they wont help me at all. That is over {$15000.00} of my money that was stolen. I am a XXXX  working the front lines during the covid outbreak and its already bad enough not having supplies and putting myself in danger everyday at work but now I cant even get my tax refund back! USAA is the worst and no one should ever bank with them!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: MOHELA
State: OK
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:
I can not get ahold of anyone at MOHELA. Calls placed are never picked up, but will be placed on hold for extended periods of time ; in my experience, up to two hours. I have called MOHELA repeatedly and never been able to speak with anyone. They are responsible for serving all Federal loans and I can not get through to speak to anyone who works there regardless of when I try. They excluded a PSLF-eligible employer from my student loan payments and I can not get more information on how to rectify. All I can do is log into their website ; I have no means to get this issue resolved or to even begin asking questions. I have no recourse and MOHELA is actively working against me as a customer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief