BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-19
Company: SOUTHSTATE CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have a bank account with South State. I have been banking with South State for two  years now. On XX/XX/XXXX between six transactions with my brokerage, my account got double charged, which resulted in me loosing out more than {$3300.00} Around that date, I noticed on the transaction history that the transactions that were being processed were all out of order. After contacting the bank about the transactions they gave me a provisional credit of only $ XXXX.I took the {$2900.00} and left behind the other {$400.00} with no problems, because I have been banking there for two years. On XX/XX/2020 South State chose to revoke the provisional credit saying the bank has a Category system on the weekend which processes all credits first with debits following. After reviewing transaction history from both companies I realized XXXX XXXX had transactions processed on the correct time and date, while South State transactions where processed incorrectly. An example of what should have happened would be : I had {$700.00} in my South State account and debited it into my brokerage account, bought a  stock from my brokerage account, sold it, and cashed out {$700.00} dollars to my bank account. 

( Correct equation ) 0+ $ 700= {$700.00} ( south state balance before debit transaction $ XXXX $ XXXX ( south state balance after debit transaction ) XXXX XXXX ( brokerage account balance after debit ) XXXX ( bought stock from brokerage ) XXXX $ XXXX {$700.00} ( sold stock brokerage balance ) XXXX {$700.00} ( South state balance after cash out credit ) Incorrect equation ( due to South States category system ) XXXX ( South State balance after cash out credit from brokerage ) XXXX ( South state balance after bank error debit transaction ) After filing the first complaint, South State told me they would not refund my account. However, they said I could come in to claim my COVID check because they understood customers had many hardships. They also said they would pay up to XXXX in over draft fees that accumulated during the time. When I looked at my bank account just today I noticed my bank account balance was at a negative XXXX. This means I got charged for the COVID check which was a free check from the government. I have attachments to show you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
Bank of America responded to my complaint about XXXX ' charges to my credit card with incorrect information. The charges for licensing to FINRA, SIPA, and all of the fees are paid annually on XX/XX/XXXX. for the next year, XXXX. Never for the current year, XXXX. The statement said the charges were for XXXX, when they were for XXXX. My resignation from XXXX was XXXX XXXX. The documents provided from FINRA showed no payment received from XXXX on my behalf. I also provided a copy of the check payable to XXXX for the documentation to FINRA that canceled my affiliation with XXXX  effective XXXX XXXX. XXXX  ' form for XXXX XXXX XXXX XXXX has an authorization block for credit card authorization, that block was not marked giving authorization. XXXX  ' form for licensing has an authorization block for credit card authorization, that block was not marked. There was NO AUTHORIZATION FOR BOTH CHARGES XXXX  IS CHARGING ME FOR. The general purpose authorization form the company uses for credit card authorization has every possible charge for authorization on it. My signature on it RESTRICTED the use to the monthly affiliation fee only as instructed by the company. The E-MAIL sent with the form to the company also restricted the use of my credit card to the monthly fee only. The company did receive the monthly charge for the month of XX/XX/XXXX and there has never been charges to my credit card for any other services ever in the past. Bank of America never ACKNOWLEDGED THE RESTRICTIONS OF ANY OF THOSE FORMS. No Authorization on XXXX XXXX XXXX XXXX   form, No Authorization on the Licensing form and a restriction on the general purpose form needs to be explained by Bank of America where they received my authorization for services I never received. The statement by XXXX and Bank of America that the charges were for the year XXXX are clearly FRAUDULENT. The XXXX forms authorize the company to withhold Commissions for payment and they have. I am still waiting for money owed by them. Explain to me the XXXX of {$4500.00}

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 2020-10-30
Company: Kashia Services
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I sent an email to the company on XX/XX/20 stating that I lost my job and to not withdraw any funds from my account, and that I would make OTHER PAYMENT ARRANGEMENTS. And that there will be no funds in the account to withdraw from. They have consistently tried to withdraw {$250.00} from account 5 times causing me to have NSF fees at {$32.00} making it a total of {$160.00}. They then successfully withdrew the {$250.00} plus a NSF fee of {$32.00} on XXXX/XXXX/20. Causing my account to be negative of {$290.00}. I have contacted the bank and they are allowing me to dispute the withdrawal. So now I am contacting your company for further assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo Home Mortgage sold/transferred my mortgage to XXXX XXXX XXXX XX/XX/XXXX. I had applied for and was approved for forbearance by Wells Fargo Home Mortgage in XXXX of XXXX due to COVID for 6 months. In XX/XX/XXXX Wells Fargo Home Mortgage asked if I need an additional 6 months for COVID. I applied and the first payment due again was XXXX XXXX. I made a payment to Wells Fargo starting the payments again. In XX/XX/XXXX I am being told Wells Fargo Home Mortgage transferred my loan to a mortgage debt collection company and they have the forbearance as a balance that is due by XXXX XXXX or have my house put in foreclosure.

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 2023-05-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
USAA did not close a homeowner 's claim from 2016 on my XXXX XXXX report. This resulted in overpayment of insurance premiums for several years and denial of coverage multiple times. 

I talked to at least 10 people at USAA in the insurance department and no one was familiar with the XXXX  report and no one provided any solutions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I deposited some checks into the Citibank ATM on XX/XX/2019. I was misinformed that my funds would be available the next day. 

The funds were not available. The reason Im upside is because I missed a doctors appointment. I missed the doctors appointment because I couldnt pay the fee and had to reschedule. 


Peoples lives dont stop on the weekends anymore. Its XX/XX/2019. It shouldnt take Citibank this long to clear checks. Because of this I also couldnt pay rent on time. I made the mistake of depositing my checks when I couldve gone to another bank and gotten my funds the same day. 

Because the buffer Citibank placed on my funds I missed a doctors appointment which I took the day off of work to attend. This means Ill have to take another day off work.

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 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 NOTICED ITEMS ON MY REPORT THAT WAS NOT MINE NOR DID I AUTHORIZE

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 2020-02-24
Company: R & B Corporation of Virginia
State: NY
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 and XXXX  keeps saying an collection on my credit report is verified but dont explain how. The company is in XXXX XXXX and I live in XXXX. I have never reside in XXXX XXXX. I have never received a bill or collection letter from this company. I have proof of where I have been living for the past 10 years. Where is the proof that I lived in the location that the services were provided? How was it verified? I had collection shield send a validation and verification letter but the company never responded within the 30 day timeframe. So how is XXXX  and XXXX validating this account? I will have to seek a lawyer to sue XXXX, XXXX  and credit control corporation if this fraud account isnt removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: LA
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:
FOR THE PAST SEVERAL WEEKS, EXPERIAN HAS DISALLOWED ME ACCESS TO MY CONSUMER PROFILE FOR DISPUTING INACCURACIES AND MISINFORMATION WHICH IS RESULTING IN DENIAL AND USE OF THE ACCOUNT. WE ARE BEING FORCED TO UTILIZE THE CFPB PORTAL FOR REPORTING ALL INACCURACIES. CFRA VIOLATIONS, CONTINUED ABUSIVE PRACTICES. CONTINUED ERROR MESSAGES REGARDLESS OF THE DAY AND TIME.

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 2018-09-20
Company: SUNTRUST BANKS, INC.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We closed on our home on XX/XX/2018. The SunTrust mortgage was paid off from the proceeds of sale. I have called the bank several times as the lien has not been released. This is affecting my ability to get another loan.

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 2020-10-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I hope you can help me out with this problem. Back in XXXX of this year I file disputes with all 3 credit bureaus. I find it unacceptable that I havent got any response from any of them. I understand things have gotten slow since covid start but this is crazy to be almost two months and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Kriya Capital, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been getting repeated calls from Credence for a bill and also from XXXX XXXX. These calls are occurring multiple times a day and they are hot leaving a message. Credence called twice in a two-minute period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.

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 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 HAVING A SERIOUS ISSUE GETTING SOME ACCOUNTS REMOVED OFF OF MY CREDIT. I HAVE SENT 5 DISPUTES TO XXXX, XXXX AND TRANSUNION. I CAN NOT SEEM TO GET THEM TO DELETE THESE LAST FEW FRAUDULENT 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 2020-10-30
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Loan Number : XXXX Address of the property XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX It has been more than 5 months waiting for the short sale to be approved. Very frustrated Mr. Cooper various requested for the same documents that I already made. I want mr. cooper approves my short sale and move forwards. Stop requesting veriouse documetns while i have already submited. I think short sale fraud/scam involves. Mr. Cooper do not approve short sales for a reason. I will wait and see who Mr. Cooper wants to sell this home to. The buyer will not let Mr. Coooper gets a way with murder. I smell like a lawsuite APPROVE my short sales please, APPROVE my short sales please, APPROVE my short sale please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: EQUIFAX, INC.
State: OH
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 have had someone access my credit profile for accounts that I do not recognize. I have had my wallet stolen and my credit, I.D . was used not sure how many accounts were opened. My current address is XXXX XXXX XXXX XXXX, OH XXXX. My name is not XXXX XXXX or XXXX XXXX please delete them from my credit file. 
XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX , I do not own these phone numbers please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
At some point during my relationship with a Citi Bank Credit Card account, billing was defaulted to electronic and sent to an email address I no longer use. 

The bank auto-called and indicated I was behind in payments around XX/XX/XXXX. My wife called the company on my behalf on XX/XX/XXXX, negotiated a late fee to be dropped and paid us up to date, and at that time we requested the account be closed. 

Fast forward 2 months and I get another call from the automated service indicating I am behind in payments and have 2 months in late fees on our account. 

I called to find out that they did not close the account, and kept sending bills to my old email address. I asked that my information be updated for communication purposes, and after a few conversations the rep indicated my account would be closed and brought to a XXXX   balance. 

Today on XX/XX/XXXX I recieved a call from Citi indicating I am still behind in payments. I called and spoke to a rep, and eventually a supervisor that asserted that there were no notes indicating we requested the account closed in XXXX so therefore it was not done. Further, they indicated since the card was paid up 2 days late, the system must have added a late fee when my wife requested pay-off info. 

I am now looking at paying another {$81.00} in late fees to XXXX my account out, but strongly feel that this incident is a clear failure on Citi 's part to do what we requested, and vehemently disagree with the supervisors assessment of this case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. With the following 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 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 XX/XX/XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions

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 2021-09-02
Company: Affirm Holdings, Inc
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 hate to do this i like this bank but on card ending XXXX there are 2 unresolved issues. 
I disputed and redisputed 83 from XXXX i had a filthy car with mechanical problems i called the week i had the car in XXXX late til XXXX no one responded i want half my money back esp during a pandemic this is unacceptable. then the XXXX dollar charge from XXXX they had price matched me said they would send me proof of chat promising refund that i do not have proof of. so i want to REDISPUTE XXXX  hautelook and XXXX for a total of XXXX dollars. I did submit by email on line a redispute for XXXX dollars but did not receive a sheet for the XXXX dollars for XXXX. I need both redisputed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Good Afternoon, I moved out of my apartment in XX/XX/2019, when I bought my house. I recently tried to apply for a VA refinance loan and my credit, which is normally in the 700s, was now a XXXX. After getting a copy of my credit report, I noticed a collection from National Credit System ( acct # XXXX ) in the amount of {$130.00}, starting in XX/XX/2019. I contacted the apartment and they told me they were under new management since XX/XX/2019 and that I needed to contact the Property Management company, XXXX XXXX  XXXX, since they could not verify the debt. After contacting the property management company, they said that this debt stayed with the apartment and they could not verify it. I reached out to the debt collector and they also could not give me information about the debt. I asked if i paid it, would they delete it from my credit, and they said they usually don't, but as a courtesy, they would in 60 business days. I then asked for a letter to validate that they would, and they said they do not generate letters for deletion. Leading me to think that this will not be removed ant that this debt is a fraudulent charge. The Debt collector told me that no supervisor could help me ( the apartment and the management company also told me the same thing ), and that i needed to contact him directly when I decide to pay this debt. I have never had problems paying my bills and I would have paid the apartment complex if i had known about the debt. I was never billed or contacted from the apartment complex. I feel that our names may have been sold to this company to collect fake debts. 

XXXX, XXXX

Company response to consumer: Closed with explanation