BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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 contacted BoA/XXXX in XXXX, 2017 to resolve an ongoing credit card dispute with XXXX XXXX in the amount of {$490.00}. ( services not provided ) XXXX XXXX continually over charged me for services they double charded me for. After several months with no satisfaction, BoA/XXXX contacted me by phone today and informed me that BoA could not help me and would not refund the charges. I informed BoA I would contact the CFPB and the Atty Gen. office to help resolve this dispute.

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 2018-03-30
Company: ACS Education Services
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I am no longer able to log in to see what I owe, when I owe it by, what the interest is, or access my account at all. This occurred ever since ACS became Conduent. I am in the dark.It keeps saying that " there is no data for the social security number entered ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: Experian Information Solutions Inc.
State: NY
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:
After carefully going over my credit report I noticed there are accounts on my credit report that are reporting inaccurately. On XX/XX/20 and XX/XX/20 I wrote Experian they failed to verify these inaccurate accounts. This will be my 3rd attempt writing Experian about my credit profile.

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 2020-11-16
Company: Amsher Collection Services, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account for XXXX XXXX ( XXXX ) which i do not/never had. Previously talked with someone and they told me another account was opened at another address in same neighborhood. Which i never lived there so idk how my info is keep being used even tho i have my ssn blocked. Tired to them doing to me. I don't wan na result taking it to the attorney general. But if not fixed and taken off i will use them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: BB&T CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Where to begin.. Once again " fees '' XX/XX/XXXX-XX/XX/XXXX BB & T once again had system issues that not only prevented me from making a deposit at an ATM but caused my on-going direct deposit not to post causing an adverse effect on my auto pay accounts resulting in additional fees. XXXX  bill {$73.00} XXXX   presented with XXXX balance after {$2.00} deposit only to be returned with {$36.00} check fee from BB & T and on XX/XX/XXXX {$30.00} return check fee and disconnected services at {$6.00} per times 3 from XXXX.. Equal {$48.00} plus {$10.00} late fee makes {$58.00} request back.XX/XX/XXXX XXXX  {$100.00} on auto pay only to be returned due to direct deposit not posting and updates by time of presentation and XXXX fee grand total.. {$88.00} in fess due to BB & T system failure.. XX/XX/XXXX dated letter to close account within 10 days was postmark XX/XX/XXXX and rec 'd XX/XX/XXXX certified mail and XX/XX/XXXX locked out of my account including my direct deposit XX/XX/XXXX with pending transaction {$60.00} for XXXX   initiated on XX/XX/XXXX..

XX/XX/XXXX the branch mgr returned me the available balance minus and a written scratch note of pending items ( however these items had already been paid ) except that $ XXXX..On XX/XX/XXXX I was able to retrieve my direct deposit minus the {$60.00} for said pending transaction of {$60.00} and yet today XX/XX/XXXX item not paid with a return fee.. Tell me how? Plus I have two merchant credits.. HELP 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 2020-08-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I attempted to redeem some series I savings bonds at citizens bank. I am a account holder and I have redeemed savings bonds in the past, the most recent being XX/XX/2019. I was told that this service was no longer being offered. I was referred to the Treasury web site which clearly states that a person can redeem bonds at their local bank.

As I stated before, I was referred to the Treasury Direct website which states that you can redeem these bonds at your local bank. It also gives the procedure to send these bonds back to the Treasury dept which then deposits the redeemed bonds plus interest into a bank account which you have to have to receive your money. I have been an account holder with this bank for many years through its three iterations first as XXXX, XXXX and finally Citizens bank. I was never given notification of the change of policy and I feel that it is very unfair at the least to not give notice until you try to cash the bonds. As it happens, I was counting on the funds that day to purchase a car and I could not wait seven days or more for the bonds to be sent to the Treasury dept and then for the funds to be deposited into my account two business days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
In XX/XX/XXXX, around XXXX my phone was taken. I can not be sure as to who took it but shortly after they sent payments in order of {$500.00}, {$1000.00}, {$1000.00}, {$500.00}, {$1000.00}, and {$1000.00} using the debit card set up in my XXXX XXXX. These payments all occurred between XXXX XXXX and XXXX XXXX. They originally tried to send {$1000.00} on the first payment but Wells Fargo declined and sent a text/email to verify. Since they had my phone they were able to respond to the verification text and now had access to my funds. Lastly, they tried to send {$2500.00} with the last payment but that was declined due to my daily spending limit being exceeded. Ultimately they got away with my phone and the {$5000.00} sent via XXXX XXXX  from Wells Fargo. 

I have attached the emails I received from Wells Fargo about the activity, my phone was stolen so I do not have access to the texts. I also attached the replacement phone confirmation from my phone insurance to prove my phone was indeed stolen and used to send money without my consent.

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 2022-08-06
Company: EQUIFAX, INC.
State: MO
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 sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again. XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX Balance : {$3100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX  XXXX Balance : {$240.00} ; XXXX XXXXXXXX Balance : {$75.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX just kept making errors in calculating the P & I payments they deducted directly from my bank acct, they were doing right for the first 2 months, until I paid $ XXXX to the principal, and again another $ XXXX  to the principal, and since they kept making the XXXX   up errors!

I sent them emails to ask them to correct it, w/ my own calculation based on the mortgage calculator, still, the people there didn't listen, and I do want to pay them off, at the correct amount of loan I took from them, not the numbers they showed on the statement, and I put a stop to my local bank for the new loan to pay them off, not to pay XXXX  until they come up w/ the correct number I made for them to follow. Correct numbers!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: Mr. Cooper Group Inc.
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
6. Pursuant to Title 62 of the Revised Statutes, RESPA, TILA, Fair Debt Collections Act, HOEPA, BEFORE YOU CAN COMMENCE ANY LEGAL ACTION, YOU MUST SEND ME A 30-day NOTICE THAT YOU ARE COLLECTING A DEBT.

7. You and your associates bear the burden to organize the information submitted to you on my letter dated XX/XX/2020 received by your Account Services department via Registered Mail No : XXXX XXXX XXXX XXXX US.

8. MY NOTICE preceded your alleged lawsuit and you therefore are not entitled to commence a legal action against me.

9. More specifically, you never qualified any answers to the question ( s ) /statement ( s ) : Was this loan originated in lawful compliance with all federal and state laws, regulations including, but not limited to Title 62 of the Revised Statutes, RESPA , TILA, Fair Debt Collections Act, HOEPA and other laws? 
10. Since you did not answer this question with specificity, how did you commence a legal action against me?

11. Based upon your responses, to my QWR, you have not made it possible for me to ; Identify your methodology of accounting.

Access the manner or method of transfers/sales and whether or not they were lawful Determine whether or not you are the lawful and or legal holder in due course of said instruments, which is required to be in compliance with Title 62 of the Revised Statutes, RESPA, TILA, Fair Debt Collections Act, HOEPA and other laws That each servicer and or sub-servicers of my mortgage are in compliance with Title 62 of the Revised Statutes, RESPA, TILA, Fair Debt Collections Act, HOEPA and other laws That the mortgage accoun
t has been properly credited, debited, adjusted, amortize and charged correctly and in strict compliance with Title 62 of the Revised Statutes, RESPA, TILA, Fair Debt Collections Act, HOEPA and other laws 12. You never responded to my qualified written request for proof of claim.

13. Your copy of the note was not what I had asked for as required by law and I am hereby notifying you that you have exhausted your administrative remedy and do not have the right to file suit against me.

14. By your inability and unwillingness to stipulate that you are : A. A Note Holder in Due Course B. Creditor of the Instrument as you can and has not provided GAAP book entry debt evidence of the transaction and the accounting.

C. Provide me with a wet ink signature original note as required by law.

SEE ADDITIONAL RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: ALLY FINANCIAL INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a dispute for two purchases from Ally Bank for two items of {$79.00} and {$27.00}. the dispute number for these items they told me was XXXX. I told Ally Bank that these two items were defective. They reported these purchases as unauthorized instead of defective. I received a notice saying that the purchases were authorized ( not what I originally reported ) and because of that they would not provide me a credit. My problem is, I requested the documentation used in making their decision for the dispute ( as is my right ) and have not received it. The second time I request these documents was XX/XX/2020. So it has been over a month now since the first time I requested it and I was told by Ally Bank today XXXX XX/XX/2020 ) that they made a note of it but did not send the documents. Ally Bank 's chat correspondence is not date and time stamped so I'm not sure how useful a screenshot of the conversation would be.

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 2020-12-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
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've recently reached out to Portfolio Recovery regarding two accounts that appear on my report for the amounts of XXXX and XXXX. They were placed on my report XX/XX/XXXX and XX/XX/XXXX, respectfully. I've made contact via certified mail on numerous occasions, requesting hard proof that these accounts belong to me and their only response each time has been sending me copies of billing statements. They've sent nothing that has my signature or tying me to the accounts I am questioning. I've stated I have no knowledge of these accounts, but their reply has been the same on at least four occasions. My most recent letter stated to them that I would file a complaint for not sending me the proper information. They have yet to comply and it's drastically impacting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Is any way can resend me letter debt. So I can pay right way? I need to know why my credit score went down from XXXX? I have already paid this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Action Collection Service
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Action Collections is stating invalid information. I found a debt on my credit report. When I called to handle the debit on XXXX XXXX 2021 I was told that I need to speak to their attorney. When transferred to XXXX, she indicated I owed around XXXX. Of that amount {$850.00} was the debt and interest then the remaining was attorney fees. I have not received any information from Action or this attorney they have recruited to collect for them. They have incorrect address information for me and they refused understand that they were sending information to an address I no longer reside at. I paid the amount of my debt plus interest. Action Collections has made the assumption that I paid that with the " belief '' that I would be paying my debt in full. Not once did I say that. I paid the debt that I owed but I dispute additional attorney fees since I have received nothing in writing from them. XXXX refused to send me a itemized copy of said debt yet expected me to pay the full amount. Action Collections is refusing my payment under pure assumptions. I am a consumer attempting to pay a debt yet they will not allow me to. They stated in a previous compliant that they credited back my payment of {$850.00}. Why??? Why are they refusing to allow me to pay on a debt and now want to take legal actions against me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: Experian Information Solutions Inc.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have sent several complaints to Experian and XXXX  about fraudulent accounts and inquiries ( XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  ), Fraudulent Inquiries : 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. Please stop closing these complaints and not investigating my claim. There is no credit repair company helping me I, XXXX XXXX is the only one disputing this fraudulent charges and inquiries. Existing complaint numbers XXXX, XXXX, XXXX. My job and top secret clearance is in JEOPARDY because of these fraudulent accounts and Inquiries. I have to provide for a family of 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 2019-05-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
I received an email saying that I was now under a binding arbitration agreement, and that in order to opt out of it I have to jump through a series of hoops per their definitions in a timely manner. 

If they can email me out of the blue changing the terms of a legal agreement, I ought to be able to respond via email. Saying " here 's a binding contract, in order to disagree you have to go buy stamps, take time out of your day, write a letter with 18 pieces of information, etc ... '' is insane. I did not agree to this contract, my failure to respond is not consent, and setting obstacles in place to not allow me to disagree must be illegal. 

Chase Bank is engaging in anti-consumer practices that should be curtailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX ; Experian and XXXX are reporting a 30 day late payment on the XXXX  partial account number XXXX. ( Please see pages 5 and 6 of the attached credit report. ) I have had this loan for quite some time. I make these payments at different times of the month, but always prior to the due date. I had spoken with a representative to scheduled bi-monthly payments or even bi-weekly payments, but was told that this type of payment arrangement could not be scheduled. The late payments being reported in XXXX and XXXX was an oversight. I was dealing with an illness in my family. I had contacted the mortgage company and notified them that I was going to be late on these payments. Recently I began paying the mortgage on line, however there was an issue with their website. I made the payment however it was posted as the XXXX payment and really this should have been posted as the XXXX payment. Consequently, the error with their website sparked the late payment. This incorrect reporting is harming my credit score. Please remove these late payments from my credit report.

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