BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-18
Company: NCC Business Services, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a call from NCC a debt collector for XXXX XXXX XXXX. I did not have any information about the issue and no correspondence. I asked the agent with NCC to send me verification of debt. He told me to email their company. The next day I received another call from another debt collector. I asked for verification of the debt. I was told that they don't have to provide that information and the debt was owed. I have a video of the apartment after we moved. No one has responded to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Regions bank charges overdraft fees based solely on available balance. I was most recently charged 2 overdraft fees on transactions that brought my posted balance to a positive amount because there are pending transactions completed after the posted transactions, which will receive ADDITIONAL overdraft fees if a deposit isnt made. These charges arent based on anything other than the available balance being low, even though my actual posted balance was POSITIVE. 

Example : Starting balance : {$55.00} Pending transactions : {$25.00}, {$25.00} New posted transactions : {$25.00}, {$25.00} Despite the posted balance being + {$5.00}, I receive {$72.00} in overdraft fees, then an additional {$72.00} in overdraft fees when the pending transactions post.

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 2022-08-11
Company: EQUIFAX, INC.
State: WI
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 fair credit reporter act XXXX 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 I also states a consumer reporting agency can not publish or furnish account without my written consent or instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: Arete Financial Group
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XX/XX/XXXX I was falsely mislead into believing that in order to get my student loans back on track, I needed to sign up with this company, ARETE FINANCIAL FREEDOM LLC. I was coerced into doing this when I fully disclosed a XXXX XXXX to the loan specialist I was speaking to. I was told that my student loans would be consolidated and I would be put on a Public service loan forgiveness program. To enter into this, I had to pay an upfront service fee of {$790.00} and monthly maintenance fees of {$39.00}, in which a portion of that would be going to my student loan provider. All of which I did. 

On XX/XX/XXXX and XX/XX/XXXX I received emails from XXXX XXXX ( My student loan provider ) reminding me that I needed to submit annual documents by XX/XX/XXXX. ) On XX/XX/XXXX I emailed Arete asking if I needed to provide anything to them and alerting them of recent emails from my loan provider. I never heard back from Arete, so I called XXXX servicing. At that time, I was informed that I was not enrolled in Public Service Loan Forgiveness, and that they had not received any payments from me in over a year. I was also told that a company can not charge any up front fees and that every " service '' that Arete was charging for could have been accomplished for free. 

On XX/XX/XXXX I called Arete Financial and asked for a cancellation of agreement. Person on phone was avoiding my statements. I asked to speak with a supervisor and was told no. I asked for the compliance department and was told that someone would contact me on Monday. I asked again to terminate contract and was told I would not get a refund for " services '' I asked " what services? '' The person on phone told me that the monthly service fee was for " all the time spent on the phone '' XX/XX/XXXX No one from the compliance department at Arete contacted me so I emailed Arete to terminate my contract agreement. I also cancelled my debit card. XX/XX/XXXX I emailed Arete requesting that my money be refunded. 

XX/XX/XXXX Arete refunded me {$350.00} ( equaling amount of monthly maintenance fee 's I had paid to them ) XX/XX/XXXX I emailed Arete asking for the remaining {$790.00} and offering to call it even if they were to give me back half of that amount ... ..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-22
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
A loan for {$3000.00} was taken out on XX/XX/2019. The account was paid in full on XX/XX/2019 in the amount of {$2800.00}. A refund check for overpayment was issued in the amount of {$270.00}. Trying to utilize my VA home loan in XX/XX/2019, I discovered that my credit report reflected that I still owed {$310.00}, and it was reflecting that I was still making monthly installments of {$130.00}, which is having a negative effect on my DTI ratio. I believe I have disputed it twice, with no change in anything. I called the company on XX/XX/2019 to discuss why it was not being reported as paid/closed, and it turns out they sold the account to another company, XXXX, in XX/XX/2019, and because it was sold, they could not give me any information on my account. I called STP, and the representative told me that she could see the account was paid off with a refund check issued as well. XXXX had tacked on another two hundred and something dollars for reasons unknown and she would have her supervisor contact them to get more information and have someone from XXXX to call me. Two days later, still no response from anyone. Also, I was told that another customer was having the same issue, so obviously this isn't the only time XXXX has done this. I just want this account to show correctly on my credit report, because what they did and are doing can not be legal.

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 2019-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
I signed up online for TransUnion 's free credit report. TransUnion explicitly stated this service was free. At one point in the application, they asked for my credit card information which I provided. Nowhere in the text provided did it share I will be charged. 

I looked at my bank statement and I now have a {$24.00} monthly subscription charge! I am outraged by this false advertising. Three people I know who also signed up for their credit score are equally shocked. How is it possible that all 4 of us independently are mystified by this subscription charge when we carefully read the text for the form? TransUnion knows exactly what they're doing - taking advantage of consumers and charging hidden fees when it is not stated anywhere. 

I see that TransUnion has already been charged for exactly this deceitful practice! They clearly have not learned their lesson. Link : https : //www.consumerfinance.govXXXX

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 2022-09-01
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage with Wells Fargo Bank on or about XX/XX/XXXX. I originally applied with my mother being on the loan. I was told that we didn't have enough assets in a letter I received dated XX/XX/XXXX by XXXX XXXX XXXX. I was also told by XXXX and XXXX XXXX that the down payment would be XXXX using a conventional loan and then XXXX using the VA. However, the automated system that comes from Wells Fargo to my online banking stated, that the estimated down payment would be XXXX. XXXX XXXX told me that because I was attempting to by an investment property the down payment is doubled. The property that I was interested in buying is a multi-family home however, I would live on one-side and my mother on the other as our primary residence. I asked repeatedly how much was left from my VA entitlement, and XXXX would not say. He kept telling me that it depended on the under writer. I fussed at him because I was totally upset at this point and knew that he was intentionally withholding information. When I asked him to do an application by myself he claimed I didn't have enough assets and estimated my assets to be {$23000.00} and told me the only way I could do anything would be to sale my condominium. He even lied and said I checked on the application that I was selling my condominium when I would have never did such a thing considering I just started renting that property this year in XXXX. Later, when I finally received the denial letter on XX/XX/XXXX. The denial letter didn't include my Mother as co-borrow, and I never received a notice from Wells Fargo showing credit scores used to determine approval or denial. My grand-daughter looked at the denial letter and determined it was fake! The three main pages of the denial letter were generated are watermarked by XXXX. I have been a member of Wells Fargo since XX/XX/XXXX and have never seen documents watermarked by XXXX. On the document it states that the denial was decided on XX/XX/XXXX and I believe this is either the day I applied or the day after. However, I received the denial letter XX/XX/XXXX which has an assigned loan number. The requested loan amount on the denial letter was not any amount I requested. The requested loan amount on the denial letter was {$480000.00}. The grammar throughout the letter is inaccurate. The bottom of the pages of the same denial letter have different dates and different years. Above the delivery address it shows a file named XXXXDeclination as a file name nothing stating Wells Fargo except the sending address and blurry black and white logo. After I started asking questions and revealed that I was suspicions of XXXX my entire loan application was removed from Wells Fargo online banking on XX/XX/XXXX. Please assist me with this matter. 
matter.

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 2019-11-28
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:
i have tried to have this incorrect reporting resolved for the past several months with no resolution it is still reporting inaccurately. This account has been reaged and is a violation. please delete this immediately.I have attached a copy of my credit report as proof XXXX  is reporting date of last active as XX/XX/XXXX and date of last payment as XX/XX/XXXX Experian  is reporting date of last active as XX/XX/XXXX and date of last payment as XX/XX/XXXX XXXX  is reporting date of last active as XX/XX/XXXX and date of last payment as XX/XX/XXXX As you can see this account XXXX XXXX XXXX has been re-aged in is a violation please delete this from my report now

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 2019-11-28
Company: EQUIFAX, 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:
i have tried to have this incorrect reporting resolved for the past several months with no resolution it is still reporting inaccurately. This account has been reaged and is a violation. please delete this immediately.I have attached a copy of my credit report as proof XXXX is reporting date of last active as XX/XX/XXXX and date of last payment as XX/XX/XXXX XXXX  is reporting date of last active as XX/XX/XXXX and date of last payment as XX/XX/XXXX Equifax is reporting date of last active as XX/XX/XXXX and date of last payment as XX/XX/XXXX As you can see this account XXXX XXXX XXXX has been re-aged in is a violation please delete this from my report now

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: Experian Information Solutions Inc.
State: NJ
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:
I have contacted Experian and XXXX via certified mail twice requesting for verification of accounts listed on my credit report within a 30 day time frame and both have failed to provide verification nor have investigated this matter to their fullest extent. 

I have enclosed a copy of my XXXX credit report and the most recent credit report from XXXX XXXX showing XXXX did their due diligence in requesting actual verification from these creditors.

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 2022-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Bank of America keeps reporting me to XXXX XXXX XXXX  for fraudulence. Because of this I have not been able to open a bank account with them or any other bank. I have disputed these allegations by writing a letter 3 or 4 times directly with XXXX XXXX services to no avail. This is causing me so much hardship. While the fraudulence is true, I have not at all committed this. I sent a police report and wrote everything I encountered ( by disputing ) when this matter happened. Even tried to show screenshots of my encounters to let them know what I was disputing is true. I can not wait 5 years for XXXX XXXX to fall off my consumer report when I was not the person who committed the crime. Please help

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 2019-07-18
Company: Santander Consumer USA Holdings Inc.
State: LA
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:
In reference to file # XXXX in the matter of Santander Consumer USA Inc. 
I am an Affected Consumer in this Consent Order and need to know the status in which Santander sent or plan to send me check and apply a statement credit to my account. 

I contacted Santander on Tuesday, XXXX XXXX and on Wednesday, XX/XX/2019 requesting information regarding this and was told they were not aware of the Consent Order and that there is no one within their organization that could assist me and was unable to provide me with any other contact phone numbers. 

I believe I have the right know if Santander is following up on the stipulations order by the court and what the timeline is. 

In the meantime, their fraudulent activities has case undue stress not to mention the negative impact on my credit report. 

Please provide me with information on this matter including any further steps I can take as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I fell behind on my credit card and I received a notice about making a payment to unrestrict my credit card. I followed the prompts and even talked to someone on the phone on XX/XX/XXXX ( XXXX ). The payment was made using a savings account. I waited and waited for the funds to be drafted but they never did. I then received an email stating my payment was returned, but the funds were never removed. I called back to resubmit the payment and was advised that everything was fine. I have been looking forward to using my credit card and made another payment only to be told by XXXX ( XXXX ) that my account could not be unrestricted. I was lied to and deceived just to get a payment from me for a credit card I can no longer use. I requested my funds from my payment back and they said they couldn't do that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022 I received in the mail a statement from TD Bank in reference to " TD Convenience Checking '' on account activity and closing of account. The account summary of account balance of {$3200.00} which included two deposit of {$2800.00} ( IRS Deposit ) and beginning balance {$400.00}. Account was closed on XX/XX/2022 with zero balance. 

This account was never opened by underwriter - never did business with TD Bank. The Statement was the first notice I receive that an account was opened. I spoke to " XXXX '' from TD Bank Fraud Department - internal investigation will proceed with any information I can help upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX at XXXX A collection notice was just placed on my credit report. 
I immediatley call the agency American Profit Recovery speak to representative XXXX XXXX He informs me that 5 collection notices were sent regular mail to XXXX XXXX XXXX XXXX I asked what the zip code was he did not know, then says '' it's the XXXX so it must be XXXX '' The notices were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX.He claims none of the notices were returned.i quesioned him on the zip code ... ..It did not correspond with the mailing address.Judging from his response I doubt the letters were sent.I did confirm my address he claimed the XXXX XXXX address was provided by the creditor XXXX XXXX XXXX. 
The manager XXXX XXXX intercedes admits there was a mailing error. Promised to remove the Collection from my credit report. I asked to have it removed immediatley because it will affect my credit ... I'm shopping for a mortgage. He says it will removed the next time they report. did not give me a dtae

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In XX/XX/XXXX, I received an alert that ( 11 ) delinquent US Dept of Education accounts were added to my consumer report. These accounts were previously removed by TransUnion in XXXX due to being re-aged by the original creditor Navient ( CFPB Complaint # XXXX attached ). Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) of the Fair Credit Reporting Act, TransUnion was obligated to notify me, in writing, no more than ( 5 ) business days after re-inserting these accounts onto my credit report ( this did not happen ). TransUnion received a credit dispute from me on XX/XX/XXXX, regarding the matter and other discrepancies found on my consumer report. ( credit dispute letter and certified mail receipt attached ). 

TransUnion failed to investigate the issue and did not respond to my credit dispute. In XX/XX/XXXX, I contacted TransUnion by phone, on a recorded line, and spoke with a supervisor who confirmed that my dispute results were never mailed out. I filed a complaint with the CFPB on XX/XX/XXXX ( complaint # XXXX attached ) regarding TransUnion 's nonresponse. On XX/XX/XXXX, TransUnion responded to the complaint stating, " We have removed the identified items from your TransUnion credit report. '' They also informed me that I would receive an updated credit report within 7 business days.

It's been ( 15 ) business days and I have yet to receive an updated credit report showing the items they claimed to have deleted. I did not receive an alert from my credit monitoring services that these accounts were ever removed so I pulled my credit report ( 10 ) business days after the complaint ( XX/XX/XXXX credit report attached ). TransUnion was still reporting these accounts. As of today, XX/XX/XXXX, all ( 11 ) US Dept of Education accounts and the XXXX XXXX late payment continues to report ( today 's credit report attached ). TransUnion lied to the CFPB and myself, regarding the " relief '' they offered in complaint # XXXX. And due to their falsehoods, this month I was denied business credit and my credit score dropped XXXX points. In court, this could be seen as willful noncompliance and I now have punitive damages. I am filing this complaint to find out why TransUnion did not delete the items they told us they had already deleted on XX/XX/XXXX ( complaint # 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