BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
One of my relatives has my Bank of America credit card account number and uses it on his XXXX account. There are numerous XXXX charges on my credit card statement for purchases made by this relative. I have had Bank of America issue me a replacement card with a new account number but the charges continue because it is Bank of America 's policy to give the new account number to recurring charges like XXXX. I contacted XXXX and asked them to remove my credit card ( which is in my name ) and they refused because they said only the XXXX account holder can delete a method of payment. I contacted Bank of America and they told me that if I have them issue me a replacement card with a new account number, they are going to give it to XXXX again. I do not want to close my Bank of America credit card account because I have a very low interest rate on the card.

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 2022-04-03
Company: WELLS FARGO & COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Re : Bank and XXXX XXXX in Me-To-Me Scams. 
On XX/XX/2022 I received a security text from Wells Fargo XXXX ( XXXX ), informing me that there had been unauthorized card and 'XXXX  XXXX transactions. I checked my bank account and found unauthorized credit card transactions, so I responded " YES '' to the text. I then received a call from " XXXX XXXX, Agent ID : XXXX '' who informed me that my debit card had been compromised, and in addition, {$2000.00} had been sent via XXXX to a XXXX XXXX XXXX. He put a pause on my debit card, and had me 'reverse ' the XXXX transactions by sending money to my own zelle account linked to my phone number. I received confirmations of this via XXXX XXXX texts. 

However, I quickly became suspicious when his story became inconsistent and immediately called another Wells Fargo number listed on the website and spoke with an agent to verify what had happened. I read the phone numbers that had texted me and called me directly to the agent ; she informed me these were legitimate Wells Fargo phone numbers, and that XXXXspecial ' agents like XXXX XXXX had their own way of resolving things, and it should be fine. 

When no money had appeared in my account by XX/XX/XXXX, I called Wells Fargo again. They told there was no such thing as 'reverse ' transactions and had been sent outbound to XXXX XXXX Furthermore, they told me that legitimate Wells Fargo phone numbers were regularly spoofed, and that anyone could call from them. I filed a formal complaint with the bank to try to get the {$2000.00} XXXX transaction reversed and a short time later, this request was denied. On XX/XX/XXXX, I escalated this to a Wells Fargo consumer advocate, who filed a report with the executive office. I received confirmation of this filing. On the XXXX, the Executive Office responded, informing me that all XXXX transactions were irreversible, including those that were fraudulent and criminal, and it was my fault for failing to verify the recipient, despite the fact a bank employee had verified to me that this transaction was legitimate. 

Next, I attempted to file an official report with XXXX : XXXX required a 12 digit transaction ID to report a fraudulent transaction and their website informed me that " I could acquire this number from my bank ''. I ended up speaking with multiple escalating levels of representative, only for them to tell me that there are no such things as 12 digit transaction IDs. In conclusion, Wells Fargo enabled scammers to steal {$2000.00} from me, and made reporting all-but impossible

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 2017-10-25
Company: National Commercial Services, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On Friday XXXX XXXX responded to a call from XXXX at XXXX financial services he did not want to listen only yell at me and told me he was done with my XXXX and hung up. He then called back later being nice telling me he represents XXXX XXXX insurance. I called them and he is a third party debt collector. I spoke again on Tuesday, XXXX XXXX XXXX and he told me he will not accept any payments and if I pay DMV or anyone else he will see my husband never drives another day of his life. This was done yelling at the top of his XXXX. He asked me if I want to play games. He said he would take money from employer, bank acct ect ... I felt very emotionally abused and will seek legal council against him.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation 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 2019-06-28
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with suntrust bank. My home was damaged during hurricane XXXX. It took me 8 months to receive a settlement from my insurance company. The check in the amount of {$100000.00} ( approx ) was made payable to myself and suntrust bank. 
They have been holding these funds since XX/XX/XXXX. I have spoken to them almost everyday and every day they have an excuse as to why they will not release these funds to me. Everyday they have another new policy or a policy change that must be met before they can release funds. 
On their loss mitigation page it clearly indicates the steps to follow and the timeline to receive funds. But in reality this is not true. They claim they process documents within 2-3 days and release funds up to {$40000.00}. But when I speak to the representative they say that it not true despite it stating so clearly on the website. 
I believe Suntrust is deliberately withholding payment so they can hold this money and coll3ct interest for their own enrichment. 
We are senior citizens and I feel they have deliberately altered their process to make it so difficult so that no matter how we try we can never comply with their demands Myself and my XXXX XXXX XXXX husband even went to a branch and had the branch manager call and speak to a representative, send over the required documents, have thT representative tell the bank manager a check would be sent out the next day only to call the next day and have another rep. Tell us that was not true. That manager at the XXXX GA branch spoke with XXXX XXXX who said to call him back the next day. We did and he wasnt there. I have left messages for him but he has never returned my call. 
I believe that Suntrust bank is preying on us as elderly clients to purposefully defraud and confuse us. Not to mention hold onto our funds unjustly. 
After all we have been through with a natural disaster to have suntrust bank add to our difficulties in this matter is disgraceful

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 2022-04-03
Company: EQUIFAX, INC.
State: OH
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:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 rights. 

15 U.S.C.1681 section 602A.. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I recently learned Navient has broken the law by calling my brothers new wife 's father and demanded him to make payment on alleged loans said to be associated with my name. 

I have not only cease and desist letters certified mail that all communication moving forward must be in writing but i have disputed the loans entirely based on fraudulent practices by both Navient and XXXX XXXX XXXX XXXX Minnesota. 

I keep getting calls non stop as does my mother. They will not listen to us when we say this is harassment and that they need to stop. All communication must be in writing, period. 

I have requested that they prove the validity of the loans and they send me the wet ink promissory note but still after many requests and many attempts they have not sent me anything. 

From this point on all communication MUST be sent via certified mail. I will not open emails i will not accept calls, PERIOD.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: HYUNDAI CAPITAL AMERICA
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Turned in lease car in XXXX OF XXXX. Received letter and then repeated calls from XXXX XXXX XXXX on XXXX/XXXX/XXXX ... XXXX XXXX years later? They offered to settle bill of {$380.00} for {$300.00} ... not ... credit report would then show write off. Called XXXX XXXX and was first told no balance due. Then XXXX ... .their lease department said I owed {$380.00}. I asked them for what and requested a bill from them on XXXX XXXX, XXXX, have not received bill. Called them again on XXXX XXXX, XXXX requesting another bill and have not received a bill. I stated to them I would not pay a collection agency but would need a bill to pay them directly ... still no bill and in the meantime still receiving calls from XXXX. XXXX claims they sent out a bill in XXXX OF XXXX, DID N'T RECEIVE, why would they not send out another bill and then turn over to a collection agency XXXX XXXX YEARS LATER

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: Stellar Recovery, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to request that the account in collection placed on my credit report be removed. Under the XXXX XXXX XXXX Practices XXXX XXXX FDCPA XXXX. This is not a request for validation ... XXXX XXXX XXXX -- 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 2023-03-12
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has been defaming my character harassing me and violating my consumer rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
As XXXX XXXX veteran who has raised XXXX kids successfully and got a letter from President Obama and XXXX XXXX XXXX Obama through US Congresswoman XXXX XXXX, I have lived super honorably to support my young kids. To purchase something, credit utilization is very critical. Only thing most Americans cares is closing statement date, Navy federal credit union used to comply with me and my request, whenever I made a full payment to make credit utilization low ( zero ) on closing statement date, Navy federal updated and reflected on the same day to new statement ( closing statement date ). 

But, unfortunately, Navy federal credit union worker who is in charge of closing date statement has played with me and abused me for over weeks, Attached files indicated that I paid XXXX dollars in the credit card ending XXXX ( cash reward ) on XX/XX/XXXX to make credit utilization as XXXX before original closing date XX/XX/2022 but Navy federal credit union worker ****** ***** intentionally did not reflect on the new statement, the worker who is in charge of closing statement sent a message that they changed closing statement date to XX/XX/2022 without my consent and without considering my strong opposition. ( my opposition evidence is included in the attachment file of this case ). 
So I have waited to make a credit utilization XXXX until XX/XX/XXXX new closing statement date, based on the information they provided about closing statement date XX/XX/XXXX, I made a payment early morning XXXX dollars on XX/XX/2022. But in the middle of night, around XXXX pm on XX/XX/2022 ( which is not closing statement date ) Navy federal credit union worker posted closing date statement on XX/XX/2022 at XXXX. It broke the promise with me who is client and who has waited over weeks for a long time and work hard to make a payment for low credit utilization to purchase something very important for my kids in the near future.. 
Navy federal XXXX their client XXXX XXXX for over a month.. 
Navy federal credit union knows that how much important credit score and utilization for XXXX life and family. 

My supporters who are more than millions of XXXX, XXXX, XXXX Americans, all veterans who has served Americas freedom and I request Consumer financial protection bureau to instruct Navy federal credit union President/CEO to response to this urgent case ASAP. 


Best regards, Executed/Signed by The XXXX XXXX on XX/XX/2022 XXXX XXXX submitted XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX ) -XXXX bin number XXXX XXXX ( XXXX XXXX XXXX XXXX ) -XXXX Bin number : XXXX XXXX XXXX XXXX XXXX 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 2018-06-04
Company: ENCORE CAPITAL GROUP INC.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company XXXX XXXX XXXX XXXX showed up on a property report search on my property for the amount of {$4900.00} recorded XX/XX/2013. From my credit union XXXX XXXX XXXX. Lein Type Judment Docket number XXXX. I '' ve asked them to show me why I own this and they said i need to fiqure it out with the county, XXXX County wear it was file from. I told them they requested the lein they should know why?. They blew me off and wouldn't help me. I don't owe them anything. It doesn't show up on my credit bureau. Just my the property search. After doing some research wily a friend in this field they must of done this by name not buy social security number of the person who owes this debt. In still a problem for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I requested a freeze on my consumer report from LEXISNEXIS due to the XXXX breach three weeks ago and never got a responce

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: U.S. BANCORP
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XXXX and XXXX 2014 I missed payments on my XXXX credit card. It was a misunderstanding on my part. I believed I had set the card up for autopay and had not. I am a XXXX XXXX XXXX and XXXX and XXXX are our busiest times of the year. I did n't see the notifications in the hussle and bussle of the busy season. Regrettably, I missed two payments. 

At the time I had just turned XXXX years old I did n't understand how this would affect me now as I am trying to buy a house 3 years later. 

I have been diligent to pay ontime ever since. I have not missed any payments in the last 35 months and I have a plan to always check to make sure they are paid. I have a reminder set on my phone to always check my statement online and make sure payment goes through automatically.

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 2017-10-25
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Turned in lease car in XXXX OF XXXX. Received letter and then repeated calls from XXXX XXXX XXXX on XXXX/XXXX/XXXX ... XXXX XXXX years later? They offered to settle bill of {$380.00} for {$300.00} ... not ... credit report would then show write off. Called XXXX XXXX and was first told no balance due. Then XXXX ... .their lease department said I owed {$380.00}. I asked them for what and requested a bill from them on XXXX XXXX, XXXX, have not received bill. Called them again on XXXX XXXX, XXXX requesting another bill and have not received a bill. I stated to them I would not pay a collection agency but would need a bill to pay them directly ... still no bill and in the meantime still receiving calls from XXXX. XXXX claims they sent out a bill in XXXX OF XXXX, DID N'T RECEIVE, why would they not send out another bill and then turn over to a collection agency XXXX XXXX YEARS LATER

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I have been calling CitizensOne for the past month to obtain a letter to register my car in a different state. I was told this will take 6-8 weeks, I paid the fee on XXXX and to obtain the supporting documents and was told that CitizensOne could not find my title, therefore, this request could not be processed. I called CitizensOne about the issue and they said their " back-office '' is where all the titles are stored and they never received one. I received my title memorandum on XXXX, this was sent to me the same day the dealership sent the title to citizensone. I spoke with the dealership and the title was mailed on XXXX/XXXX/XXXX directly from the Ohio XXXX. I have call 3x a week since the middle of the XXXX and have since tried to refinance my car over the issue. While trying to refinance my car, I was told it will take 120 days to get the title information. The bank keeps passing my claim to it 's supervisors who promise answers within days but nothing ever gets resolved. It 's been over a month and a half and I have not been able to drive my car I recently purchased because I am unable to register it in NY without an authorization letter. Since I have found a bank who will give me a letter within a day and decided to use them to refinance my car, CitizensOne is not working to get them the information they need to finalize the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Marlette Funding, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I received my loan online and make all my payments online, I never call in. I paid the account off in full per the amount on the website, then 2 days later they hit me with a {$7.00}. I paid that, then they hit me with a {$.00} charge. They wont give me a payoff over the phone and the one online is incorrect, they say they can only " Mail Me '' a payoff ( To collect further interest I assume ''. BEST EGG is an online lender that wont give accurate payoffs on the same site that you can actually the the payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: KLS Financial Services, Inc
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
KLS debt collection agency has attempted several times to collect a {$180.00} debt from me that does not belong to me. I have called them to let them know that this debt is not mine. The guy tried to bully me and then threaten me with a damaged credit report. I proceeded to tell him that they have the wrong person that this debt does not belong to me but he persisted. Not only did he try to get me to pay it even after i informed him that it does not belong to me, they are reporting it on my credit report twice! I also noticed that they changed the dates and re-aged the account. They have violated my rights! I called the credit bureaus and they did not remove it from my report. Please help me in getting this removed. They are bulling people out of money with illegal practices and thinking they can get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 checked my credit score on XXXX XXXX and saw that my score dropped by 18 points between XXXX and XXXX. Im not sure why as my balances were all paid in a timely manner. The company was Capital One.

Company response to consumer: Closed with explanation