BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-12
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I'm trying to close my IRA and transfer the funds ( about {$3700.00} ) to my checking account with Citibank. I first visited a branch in XXXX XXXX XXXXXXXX XXXX  in early XXXX and advised it could not be done at a branch. 
I was given XXXX pages of forms to complete and send to a processing center in XXXX XXXX, XXXX which I did on XX/XX/2023. When nothing happened after about XXXX weeks, I called them and was told my SIN on the forms did not match their records. I doubled checked it with the rep over the phone and was told there was nothing they could do and hung up on me. I called back and got the same result. 
Last week I then went to the the Citi branch at XXXX XXXX XXXX in XXXX XXXXXXXX XXXX for assistance and my actual Social Insurance card to show the number matched that submitted on the original forms. After much delay and confusion they could not help me. 
I'm entirely frustrated by Citi 's inability/willingness to make my retirement savings accessible after numerous attempts and without any explanation. 
This is obviously a relatively small amount, but for comparison I was able to withdraw IRA funds from a XXXX XXXX branch getting a cashiers check for a much greater amount and in under XXXX minutes.

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 2023-06-12
Company: REGIONS FINANCIAL CORPORATION
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I opened a Mortgage account with Regions bank in XXXX of XXXX. In the next year I went through a divorce and the mortgage was signed over to me. My ex-husband was court ordered to pay off second mortgage and take his name off of the mortgage. He did neither one. XXXX years later, I have had to open a new loan to pay off my second mortgage and Regions has never allowed me to refinance my mortgage to remove my ex-husband 's name. I have tried numberous times since XX/XX/XXXX to get this accomplished. I have sent in copies of my divorce decree, copies of my deed where he was removed from it, my marriage certificate from XX/XX/XXXX to change my name ( which is still not been done ). I am now trying to get an insurance check endorsed by Regions bank so I may repair water damage. They REFUSE to endorse my check. It's been XXXX weeks since I was in the branch and just now getting to me to tell me. I have sent in numerous documents to them ( again ) and they have kept my check and will not endorse it. I have dealth with these rude, irresponsible people who lack in communication to their customers for extra money and they are unbearable to work with. Like I said, I have been going through this mess since XX/XX/XXXX ... XXXX years LATER I'm still doing the same things I was doing then because nothing was changed all of the previous times I've done all of this paperwork.

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 2023-06-12
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Jefferson capital systems inaccurately reported on my credit profile that I owe {$800.00} on an account that doesnt belong to me Date : XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: General Motors Financial Company, Inc.
State: PA
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 never authorized this company to publicly announce with any other parties, that I am or have acquired a debt with them. This is tarnishing my credit with other potential business clients and more this is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: ALLY FINANCIAL INC.
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Recieved letter from Ally bank showing {$4000.00} refund for cancelation of extended warranty, they only paid me {$3000.00}, refusing to pay me the balance of {$980.00}. Called customer service 8 times with out any results. The letter wss dated XX/XX/, cancelation date was XX/XX/. The letter shows Ally XXXX  as payee. They recieved the cancelation on XXXX XXXX. 
All I want is what they were paid when I paid the new car off, with the {$4000.00} warranty included, which was XX/XX/. I have a letter from Ally saying they were paid.

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 2023-03-16
Company: SANTANDER HOLDINGS USA, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, around XXXX, I went to the Santander ATM XXXX at XXXX XXXX XXXX XXXX XXXX PA XXXX to make a {$500.00} cash deposit. I put in my card, entered my pin, selected cash deposit and put my money in the machine. It made some noises and then said that my cash could not be collected, remove and try again. The machine made some more noises but never opened. It then said my transaction could not be completed and returned my card. I tried to do a check deposit and a cash withdrawal, just to see if the ATM would open up, I did not want anyone to steal my money. While sitting there, I called the bank branch, # on the back of my card and the # on the ATM, no answer. The next day was a holiday, I had to wait until XXXX XX/XX/XXXX to speak to the bank. I was told someone would be out to check the machine, I asked to be there but they had no idea who or when the ATM would be serviced. A provisional credit was issued to me on XX/XX/XXXX and then taken from me on XX/XX/XXXX as they said the ATM was not over. They have refused to investigate this. The video should clearly show me sitting there for about 20 minutes. The machine was also inoperable for at least 2 days. I am asking for an investigation into who stole my money and I want it returned to me. Either the armored truck driver or the person who counts the money stole it.

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 2023-11-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The issue I am having : XXXX out of my XXXX total federal student loans are currently being reported twice as duplicate accounts on my Experian credit report. There are XXXX federal student loan accounts being reported under Dept of Ed/XXXX and XXXX same XXXX accounts are also being reported a second time under XXXXDept of Ed . The duplicated accounts listed twice under both XXXX & XXXX are all reporting as open with a balance. The loan servicer changed from XXXX to XXXX earlier this year. I previously had an issue with XXXX of my federal student loan accounts being duplicated on my XXXX XXXX XXXX credit reports, which was resolved after submitting a credit dispute. However, the issue with Experian is much more serious, as my total federal student loan debt is now incorrectly being reported as XXXX instead of XXXX and Experian has not corrected issue with my federal student loan accounts being duplicated even after submitting a dispute multiple times. I sent a message to XXXX customer support on XX/XX/23 informing them of credit reporting issue. I also submitted a complaint on XX/XX/23 with the U.S. Department of Educations Federal Student Aid Office ( 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 2023-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Southern Financial Systems, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i sent them a letter disputing the validity of the alleged debts on XXXX by XXXX certified mail XXXX XXXX XXXX XXXX 1989. I never received my documents per XXXX XXXX XXXX and XXXX XXXX XXXX, which is a violation of the FDCPA. 

12 cfr 1006.34 ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.

( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ).

( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collector 's name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information.

( ii ) The consumer 's name and mailing address.

( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date.

( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number.

( v ) The name of the creditor to whom the debt currently is owed.

( vi ) The itemization date.

( vii ) The amount of the debt on the itemization date.

( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page. 

( ix ) The current amount of the debt.

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 2023-06-13
Company: EQUIFAX, 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:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 non-monetary relief
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Please see attached documents as it contains my complaint and identification.

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 2023-06-12
Company: Paramount Recovery Systems, L.P.
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: Account status incorrect

Complaint:
I received a notice of collection from XXXX and it is reporting negatively reporting on my bureau. This collection is a credit error. Please remove ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: ENCORE CAPITAL GROUP 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: Account status incorrect

Complaint:
I received a notice of collection from Midland and it is reporting negatively reporting on my bureau. This collection is a credit error. Please remove ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Amsher Collection Services, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
recently their was something that seen on my credit report that i didnt do or gave someone else permission to do so i reported this problem and the investigation came back accurate which is not right or possible because i NEVER sign up for something like that a day in my life and they telling me that i have they can check my banking because my bank card is the ONLY card that i use for any purchase that i make. i just feel like this is not fair because i wouldnt be doing so much if its something that i did that i didnt do and i want it off my credit because thats something i have to live with and thats not fair to me at all

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: MOHELA
State: IA
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't reach a supervisor to discuss issues with my PSLF forgiveness. Mohela shows my forgiveness only going back to XX/XX/XXXX when it should go back to XX/XX/XXXX. This has caused my PSLF payment count to only go from XXXX/XXXX to XX/XX/XXXX. My loan has been forgiven but if my payments were properly accounted for, forgiveness should be from XX/XX/XXXX to XX/XX/XXXX. That would mean any payments after XXXX would be refunded. 

I've tried calling Mohela several times to discuss this with them but whenever I contact them and get transferred to a supervisor I either get disconnected or wait on hold for hours and no one picks up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Prince Parker & Associates
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2023, consumer contacted PRINCE PARKER AND ASSOCIATES regarding an account that was placed on my consumer report. This is the initial communication I have had with this debt collector. I have never provided my private information or written consent to them to furnish information on my consumer report. On XX/XX/XXXX, around XXXX consumer called PRINCE PARKER and XXXX, who later said her name was XXXX XXXX disconnected my call when I informed I couldn't hear and each call after that was made was disconnected by the company. The furnishing of this account on my consumer report is ruining my reputation with potential creditors, it is causing me mental and emotional stress and its defaming my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: WI
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX WI XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$190.00} ; ( Original Creditor : XXXXXXXX ) XXXX Balance : {$550.00} ; DEPTEDXXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} ; DEPTEDXXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; 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 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 2023-06-12
Company: ALLY FINANCIAL INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX I deposited a check for {$15000.00} into a new account at Ally bank. Within a couple days, my account was inexplicably put on some sort of suspension. I was contacted by both email and phone to resolve the issue. I called in multiple times and spoke to INCREDIBLY RUDE people in the " loss prevention '' office. I told them multiple times two things : 1 ) my husband has to assist me with finances and he had to be on the call and 2 ) I am on the XXXX XXXX. Instead of offering any semblance of understanding and compassion, this instead seemed to irritate them further. 

To date, and despite the fact that I called in and answered their absurdly probing questions about the source of the money ( XXXX XXXX  via my husband 's company for which I performed work and was being paid ), they continue to not convey access to my money. 

If this hold continues, I'm contacting legal counsel and pursuing action under any statute we can find, including americans with disability  act.

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 2023-04-14
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened a Lowe 's account in XXXX 2022.at that time I was offered 84 month financing at 7.99 %. I did not receive a bill because they sent it to the wrong address. I called the store numerous times, ( the manager did not call me back ) I called and emailed the corporate office with no success. I made a payment and then cancelled it since I was not able to get satisfaction from the company on the advertised rate. They immediately closed my account without 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 monetary relief
Consumer complaint received 2022-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Capital One has been given roughly six hours of my time to solve an issue of online banking, to no avail. One person suggested that I ask family for money. I am out of town and my debit card was stolen. I expressed concern that I was staying in unsafe areas because I can not access my money, with not one apology. Concerns about my safety were minimized. Agents were rude, incompetent, and unable to resolve or understand simple problems. I spent an hour and a half with one dimwitted agent who insisted that he solved my problem. He did not. I also dealt with agents who felt entitled to scream at me and would not give their names. This isthe most incompetent group of " professionals '' I have ever encountered. WALmart would be better

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: ENCORE CAPITAL GROUP INC.
State: IL
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:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX City : XXXX XXXX : Illinois Email Address : XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX ) 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 
Furthermore, this particular company bought XXXX, who was my original credit card company who also never notified me that the company was being sold to this particular company and question. And after 13 calls in regards to this matter, the company waived all fees, but did not correct my credit profile. Prior to this incident I had an excellent credit history with the original company.

Company response to consumer: Closed with non-monetary relief