BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-30
Company: Lending Club Corp
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
My personal loan with lending club had fallen delinquent, due to things going on with the pandemic I wasn't able to make the payment on time. I got paid today and at the point I could take care of the payment I did so at XXXX XXXX  today XX/XX/2021 in the amount of XXXX. per the guidelines from the point I submitted the payment and satisfied my obligation to the debt at that point the calls in attempt to collect the debt should have stopped. I received one at XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, none of which I answered nor did a message get left so I get that being covered by the rules. What my complaint is in regards to is that I proactively called lending club at XXXX XXXX to let them know the payment was completed ( which they even verified upon answering the call ) to which I asked if that would stop the calls and it was indicated to be the case. The violation occured when they called again at XXXX XXXX  after already having spoke to them in an attempt to collect a dept. Per the update to the guidelines, the attempts should have stopped at the moment that was noted. I will provide a receipt and a picture of my call logs with times. Note I did accidentally call them trying to read the call logs so there are extra records that will show that can be disregarded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: XOOM CORPORATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Ok i have a xoom account and i transfer money to myself from prepaid card to prepaid card and i use them because you could use it over differ states etc so this morning i transfer XXXX into my acount and they have a 30 min policy if you cancel within 30 mins they will send money straight back you dont have to wait the three to five days so i tranfer nothing happened with 10 or 15 mins so i cancel my transaction and call them to refund my money they tell me i have to wait five days because they got a hold on my money and thats my rent money because my rent man be out of town alot so that why i transfers card to card because he can just take his payment off and not miss with my other cash any other time xoom would take only 5 or 6 mins it there i would like to receive my money so me and my kids want be out side

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-30
Company: Experian Information Solutions Inc.
State: PA
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:
Ive wrote several certified letters to the creditor and credit bureau and told them this was not me. I asked them to provide me a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay the alleged amount. Theyve failed to provide me with a copy of any alleged contract bearing my signature. 

The collection is as follows : 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 2017-08-03
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a store credit account with XXXX XXXX, that is serviced by Comenity bank. My bill for this account is due on the XXXX of each month. I receive all statements and notices for my account electronically. Within the XX/XX/XXXX billing statement, a brief synopsis of the account term updates was listed. On the third and fourth page of the billing statement, it states verbatim : " Reminder : To avoid interest on the Regular Revolving Credit Plan, pay your entire balance by the Payment Due Date each month. '' For the billing statement generated in XX/XX/XXXX and due on XX/XX/XXXX, I paid the entire balance due on the account on XX/XX/XXXX. In addition, the information of the updated terms and agreements was not provided to clarify specific terms and definitions. Thus, the company is woefully trying to leave the customer in the dark and not specify how interest will be accessed with a regular revolving credit plan, the definitions of a grace period, and furthermore upon my call placed on X/X/17, when I asked for an updated copy of the terms and agreement I was instructed that a new/updated copy is only reserved for new cardholders. Thus, an existing cardholder, upon request, would only receive an outdated copy. As a consumer, I find this act deplorable that a credit company would mislead and not inform their entire consumer base. Due to their negligence, I am asking for a refund of the interest charges accessed to me, as taken in the information that was made available to me during my XX/XX/XXXX statement about the changes I was notified that by paying the balance in full that no interest would be accessed to the account. My last attempt to resolve this issue with Comenity Bank was on XXXX XXXX, 2017 at XXXX XXXX, they are stating that they will not remove the charge, nor provide me a complete an updated copy of the terms. As a result, I am submitting my complaint with CFPB to review their practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-06
Company: Radius Global Solutions LLC
State: MI
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:
Radius Global Solutions, A DEBT COLLECTOR is Harrasing me about a transfered debt from XXXX XXXX Which I Do Not Owe, on XX/XX/2022 Please advise to how I 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 2018-02-08
Company: First Credit Services Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A debt of {$98.00} was paid to the collection agency. Info : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX A debt owed is still showing in my credit report after it was paid and I would like to have that removed please. It is taking more time then expected Conformation number of debt paid : XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
On XXXX XXXX, 2020, a set of eyeglasses I had purchased with my American Express credit card were stolen from amongst my possessions, while I was having coffee and spending time at a local XXXX. The glasses were not visible to the public ; they were secured in a pouch along with other personal items when not on my face. Also, the pouch was not exposed in a common area, such as on my table. Rather, it was hidden on a chair beside the chair I occupied. The coffee shop is protected by surveillance cameras, staff baristas, private security and XXXX XXXX XXXX XXXX XXXX. The theft was reported to all parties, but search results were negative. American Express purports to offer purchase protection insurance, but draconian terms and conditions are imposed. A theft must occur in a utopian situation absolutely devoid of the possibility of theft before a claim will be honored, conditions so favorable to Amex that insurance of any kind would be superfluous, unnecessary. The basis of Amex 's claim denial is that I did not maintain the necessary security, a finding which defies credulity. Please use the authority of your office to have Amex reverse its baffling decision and honor my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am so upset with Huntington bank right now. I made a payment for my car on XX/XX/XXXX in the amount of {$470.00}. The check didnt go through and I was fined by my bank. I called on XX/XX/XXXX to Huntington to see if this payment would try and come out again before I made my car payment again. She said no the {$470.00} will not come out of your account go ahead and make another payment so I did make another payment of {$470.00}. Wouldnt you know they both DID end up coming out and at the same time! We have other bills to pay. Like what the hell? So I called again really ticked off on XX/XX/XXXX. A girl named XXXX said she was over nighting me a check for {$470.00} and it will be there by Tuesday due to the holiday and if it isnt to call. Well I called back today, because its Thursday the XXXX and I have received no check. Today a girl named XXXX I think told me I will not be getting a check at all. It was denied I receive it. Like are you kidding me!!!???? Two times by the company I was told wrong! It is awful when I can not afford my bills and I was expecting a check on Tuesday so I could pay those bills. We are already struggling due to our XXXX year old being in and out of the hospital. I was mislead by this company and its very very unfair. All they want is my money. This really put my family in a financial crisis. They do not care about the well being of others.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: Kriya Capital, LLC
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX  reinserted a debt on my credit profile that was deleted they also did not notify me within 5 business days in writing. That is punishable by a {$1000.00} violation per the fair credit reporting act section 623. They also have kept a negative nasty address on my report in which I've provided proof numerous times that the address of XXXX XXXX XXXX on my account in which I've never lived here at all. This also is a violation punishable by {$1000.00} per fair credit reporting act section 623. I have sent several disputes to XXXX since XX/XX/2020 to remove the address and yet here we are nearly 5 months later and i still haven't gotten this address i have never lived at off of my report. This is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: PA
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 writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have checked my account again with BBVA and they show charging me a {$38.00} NSF fee for a check that they have as " paid item check '' when if fact the check DID clear. There was enough money to cover it - according to what I see on MY online banking. I do not understand how they continue to get away with this. I doubt I am the only customer having this issue with them. If I see a balance of {$380.00} and THEY clear a check for {$350.00} - I STILL have a balance of {$39.00} then how in the XXXX can they continue to charge me a {$38.00} NSF for that check - they say did not clear but it obviously did!!! What is going on? How unethical do you have to prove a bank is before someone steps up and does something? Like XXXX XXXX ....?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In early XX/XX/XXXXI mobile deposited three checks into my checking account at Wells Fargo. Two were from an individual, XXXX XXXX, for {$410.00} and {$340.00}. The other was for {$30.00} from XXXX XXXX XXXX XXXX ( which is XXXX XXXX credit card operation ). The checks never showed up in my account. The weekend of XX/XX/XXXXI called Wells Fargo to ask why they never showed up. They said they were not deposited correctly, so onXX/XX/XXXX I deposited them into a Wells Fargo ATM machine. The check from XXXX XXXX was rejected, and Wells Fargo charged me an {$11.00} returned check fee. When I asked why the fee, they said whoever wrote that check did not have enough money in his/her account and it was overdrawn ( which is absurd since it was XXXX XXXX ). XXXX XXXX XXXX then informed me that XXXX XXXX XXXX debited his checking account twice for the exact same checks, once on XX/XX/XXXX and again on XX/XX/XXXX. He sent me a text showing the two debits.

I contacted Wells Fargo again on Sunday XX/XX/XXXX and explained ( over the course of an hour ) that obviously the three checks had been processed in XX/XX/XXXXeven though they were never credited to my account. Wells Fargo said they would investigate and get back to me.

In the meantime on XX/XX/XXXX I called XXXX XXXX to ask why the {$30.00} deposit made on XX/XX/XXXX had been rejected. XXXX XXXX said it was because it had already been processed onXX/XX/XXXX. XXXX XXXX   got Wells Fargo on the phone with us to explain, but the Wells Fargo rep was clueless and had no idea what to do.

Today, onXX/XX/XXXX, I got a call back from Wells Fargo. Today they said I had to call XXXX XXXX   to get them to them to reissue the check, which they won't do because it was already paid once ( even though I never got the {$30.00} ). XXXX XXXX is sending me proof in the mail. Wells also said that the two checks to XXXX XXXX had been deposited into an ATM machine in XX/XX/XXXX. This is also absurd because the checks were not even written until mid-XX/XX/XXXX. I did deposit one check from this same individual in an ATM onXX/XX/XXXX, for {$340.00}, but it was a different check. It was check no. XXXX. The XX/XX/XXXX check was XXXX. So obviously Wells Fargo did not even bother to look at the check to see they were two different checks.

At this point, Wells Fargo still refuses to rectify the situation or admit it did anything wrong. I am out {$30.00} from XXXX XXXX  and XXXX XXXX. is out {$750.00} because his two checks were paid twice ( although I was only paid once ). I wonder how many other people made mobile deposits that were never credited to their account. Is this another " scandal '' waiting to break open at Wells Fargo?

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 2020-08-28
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I Refinanced my home in XX/XX/2020 and I obtained a loan through USBANK ( LOAN # XXXX ). At that time I had my property taxes & homeowners insurance added into an impound account. In XX/XX/2020 I called USBANK to notify them that I had paid my insurance out of my pocket. I asked them to remove the payment amount from my escrow that they are collecting on a monthly basis. USBANK required me to send in an email with all the verification to show. I did so on XX/XX/2020 and USBANK responded verifying that they received the email. In the email, they stated that they would review and correct the issue. I even sent a Certified mail request on XX/XX/2020 just as backup to my email.Since then I have called several times and spent hours on the phone with them trying to get USBNAK to stop collecting the Insurance payment amount. Every time I've called they state that they are working on it and it takes 7-10 business days to resolve. The problem is that it has been 60 days since my request in writing and 61 Business days since. I  would like to know why it's taking so long an where my money that they are collecting is going? Please help me resolve this issue. Thank you, XXXX XXXX XXXX XXXX USBANK ( LOAN # 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 non-monetary relief
Consumer complaint received 2018-07-16
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not mines compant threatened to ruin my credit if i didnt pay. 
EOS CCA XXXX XXXX XXXX XXXX, MA XXXX Unknown Account Name EOS CCA Account # XXXX Account Type Other Collection Agencies Balance {$42.00} Past Due {$42.00} Date Opened XX/XX/2018 Account Status Mo. Payment {$0.00} Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department High Balance {$0.00} Limit {$0.00} Terms 1 Month

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Company has wrong information on me and thus not receiving proper notification on debt being sent to collection. Proper notification wasn't sent in advance on debt was going to be sent to collections. No effort was done to try and reach me before hand. Also they called a family member that I have no communication with to try an locate and having the correct phone number to reach 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 2020-08-28
Company: N26 Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This bank closed my account saying unusual activity when its been the same activity since Ive opened the account, I have Nooooo access to my money and they are saying the account is under Review but I am unable to touch my money they say 10 days then they send a check out with your balance, also once they close your account they put your number on a call block list so that you cant speak to anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: CITIBANK, N.A.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX  IS SUPRESSING MY CREDIT FILES AND THUS CITI BANK IS UNABLE TO DELETE 3 ACCOUNTS.

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 2019-11-01
Company: Opportunity Financial, LLC
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In 2017, I receieved an email from the company that stated back in 2017 that my balance was reduced due to a settlement with the State of Virginia. I paid the account in full right after that. I just applied for a loan which was declined due to a charged off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: Medical Data Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
medical data sy XXXX Debt was so to this collection agency by the XXXX XXXX XXXX XXXX in XXXX, Florida. This hospital was recently named the most overpriced hospital in the nation by one national study. They charged tens of thousands of dollars for a minor procedure that costs only a couple of hundred dollars. My insurance paid the fair amount ; I refused to pay any more. We filed bankruptcy prior to this occurrence, but this debt was also supposed to be included as it was within a certain time limit. For three years, they have been hassling me. Please help make it stop.

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 2020-05-22
Company: HUNTINGTON NATIONAL BANK, THE
State: FL
Product: Mortgage
Sub-product: FHA mortgage
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/2018 I entered into a payment agreement with Huntington Mortgage Company regarding one ( 1 ) late payment for my mortgage. The terms of the agreement were misleading and did not disclose that accepting the terms of the agreement would result in negative credit reports. My XX/XX/2018 payment was divided into six ( 6 ) payments, with the understanding that if I fulfilled the terms of the agreement it would satisfy Huntington and not negatively impact my credit report. Instead, Huntington reported all seven payments as late payments even though all seven payments were made on time as stated in a payment arrangement agreement. I was never told, nor does the payment arrangement agreement state that my ONE past due payment would be reported as SEVEN past due payments.

Company response to consumer: Closed with explanation