BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-20
Company: TD BANK US HOLDING COMPANY
State: FL
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 was charged twice by XXXX XXXX XXXX and I went to try to dispute one of the charges as a duplicate. The customer service representative would not allow me at first to dispute the charge. This is after spending an hour on hold even though I supposedly called the ASAP customer line. She finally relented and allow me to dispute the duplicate charge. Then I was informed that I would not be able to get a provisional credit or a refund of the overdraft fee I was charged as a result of the duplicate charge. I asked to speak to the manager. She refused to help me, while boasting that she got an extra paycheck this month. 

I have been significantly impacted by the COVID-19 pandemic and TD Bank is completely out of touch with how their customers are struggling. I was completely disgusted that the manager felt it was appropriate to brag about the amount she is paid while I have faced so many difficulties this year. It's a really " let them eat cake '' kind of attitude.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-12
Company: CNG FINANCIAL CORPORATION
State: TX
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:
This company which is Check N Go has report incorrect information with the credit bureau. I never signed a contract and they never sent me a bill. They went through a third party and that 3rd party put me on the credit bureau which is XXXX. They were the ones that refer me to FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have sent over 5 letters to XXXX, Experian, and XXXX  - according to my understanding of the FCRA. Credit reporting agencies can verify bankruptcies through 3rd parties ; yet, they seem to be allowed to get away with this on a regular basis. Not to mention the inaccuracies associated with bankruptcy reporting down to the name, courthouse name, balance, liabilities, and even docket numbers. All three of my credit reports show inconsistent information and inaccurate information. I contacted my local court and they told me - they do not verify bankruptcies with third parties. With that being said - this is a violation of the FCRA. The CRA must verify all information directly from the furnisher of that information and not a third-party. The courthouse has stated to me in writing they did not and was not the furnisher of this information to the credit reporting agencies.

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 2017-08-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I disputed through equifax and now there are an additional XXXX+ inquiry on my report. They should have been removed because I have n't applied for credit in over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have two credit cards with Capital One : ( 1 ) Quicksilver account ending in XXXX ( 2 ) Walmart account ending in XXXX I moved on XX/XX/20 and what should have been an easy and simple process of updating my home address has turned into one of impossibility. I tried prior to moving to notify the Bank via telephone and was met with extreme difficulty and ultimately the agent was unable to process the address change. Additionally, I tried making the change online but again was met with extreme difficulty and due to stale information was unable to get the receipt the security verification code to access my online account that I setup at inception several years ago. I tried contacting corporate but again was met with extreme difficulty as they route the call back to customer service. 

I want both accounts CLOSED. I used my Quicksilver account for moving expenses and need the charge information confirmed ( i.e., what is the amount due ( should be {$1600.00} ) and when is it due ( should be XXXX ) so I can coordinate the ACH at the appropriate time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I previously disputed an account on my credit file that was incorrect, reported by TSI ( Transworld Systems , Inc ) on behalf of XXXX XXXX. After a lack of results from my dispute attempts, I contacted TSI directly and advised them of the situation with this account : I believed this account was paid in full, as I did not receive a final bill from XXXX XXXX. Because of the alleged amount due, I believe that the service continued to be billed at my former address after I cancelled the service. Supervisor XXXX XXXX of TSI advised that she would contact XXXX XXXX to relay the dispute information, in an effort to come to an agreement on deletion of this account from my credit report. She followed up with me two days later and stated that XXXX agreed to delete the account if the payment was made. At this point, I just wanted it off my report, so I agreed ( even though I still believe that the balance is extremely inflated ). I paid the balance in full, and on XX/XX/2020 received a letter from TSI ( attached ) which verified that the account would be deleted from all three credit bureaus. Instead of honoring this agreement, TSI merely reported that the balance was paid in full - resulting in the collection being reactivated and lowering my score substantially. I contacted TSI again, and was told by a representative ( who claims to have called Supervisor XXXX XXXX to verify ) that TSI requested that the account be deleted, but that the credit bureau has the final say on how it is reported. I then contacted the credit bureaus who advised that they reported it as TSI requested it, as a balance update. They stated that they have no authority to determine what is reported or deleted, that they must report as the collection agency advises. I feel that TSI provided fraudulent advisement in an attempt to collect a debt, blatantly lying about what would occur once the payment was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: EQUIFAX, INC.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed with the company on XX/XX/2020. Company received my disputes as it shows according to my certified mail receipts. It is now XX/XX/2020 and I have not received back from the company any information in regards to verification of these debts. The FCRA gives the company 30 days to respond. I have not received a response. This has been my 2nd attempt to resolve this matter with the creditors listed on my report and the credit bureau reporting this information. The bureau is in direct violation of my consumer rights because they have ignored my requests for there methods of verification and documentation used to validate these debts. XXXX  has already removed several of these unverifiable accounts and yet Equifax and XXXX  are still reporting some of them. Equifax in particular has not even responded to my dispute request at all. XXXX  is continuing to claim that these accounts are certified or verified but has not provided me with any proof of the matter, although I requested it way more than 15 days ago. This is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: PNC Bank N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I opened up a XXXX XXXX  Account by XXXX and when I went to connect my PNC Virtual Wallet bank account to the XXXX XXXX Account, in order to add funds to the new account I was presented with an error. I was informed that PNC had made some recent changes that they are currently having connection issues with PNC Bank and that if I try to connect I will unlikely to succeed. This now prevents connecting my account with certain accounts, which apparently the XXXX XXXX account by XXXX being one. I believe this is absoIutely rediculous that I am unable to connect MY PNC Virtual Wallet account with a trusted XXXX XXXX account by XXXX and be unable to utilize this service now. This is now preventing me from getting up to 30 % off XXXX product purchases if I was able to add funds to use my account. I am extremely displeased with this inconvenience!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Allied International Credit Corp., (US)
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my mail today, XXXX21 and I received a letter dated XXXX21 from a company called Allied International Credit Corp, XXXX XXXX XXXX  XXXX XXXX, XXXX VA. 
The letter is a collection letter, stating they are collecting for XXXX and I owe {$300.00}. 
I know by my records that I do not. I contacted XXXX and they confirmed that I do not have an outstanding balance. 
I am certain this is a scam and checking on the XXXX Community website I'm not the only one receive this letter. 

They want you to contact XXXX XXXX at XXXX. 
Their website is " www.aiccorp.com ''. 
Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Millennial Home Lending, Inc
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I was informed by my estranged husband that a mortgage refinance loan had been approved by Millenial Home Lending and that within the next 30 days I had to sign the documents. The mortgage refinance loan was approved at a rate of 2.49 %. 

This confused me because I am on the current mortgage loan and did not consent to any mortgage refinance. Upon reaching out to the company and the mortgage consultant, I was able to receive the signed document which showed my estranged husband 's information and incorrect information that he provided for my profile. He listed all of my personal information, falsified my income, and misrepresented our status as married instead of selecting the option for separated. 

I was unaware of the application because the mortgage consultant and my estranged husband listed his email address and phone number for both of our profiles during the application process. This allowed my estranged husband to fully submit the application, forge multiple electronic signatures for my profile, have my credit pulled, and the loan terms locked in with me being fully responsible for the refinanced loan without any communication or approval from me. 

I contacted Millenial Home Lending and spoke with XXXX XXXX and requested the mortgage application be cancelled and that a fraud investigation be opened. The signed mortgage application documents were provided to me on XX/XX/XXXX but Mr. XXXX has not responded to my request to investigate how this application was allowed to be completed without my involvement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: All State Credit Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company all state credit bureau is not licensed and bonded in Michigan to act as a collection agency currently. They are illegally attempting to collect debt although not properly licensed. the calls are very aggressive and harassing as well

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I notified XXXX Customer Services since 2015 all my financial hardship - I was hospitalized during some time that year, I went through an eviction process and attending many appointments in the court. I was having emotional distress and deep XXXX. Has been very frustrating dealing with the XXXX ' representatives without any concrete answer from them to claim the {$10000.00} credit protection benefit to cover part of the balance that my account have. I made several call every month since XX/XX/2015, spending around 1 hour to -2 hours on the phone. After many calls they sent back and forth to different managers wait on the phone one person to another and not instructions or process to make the claim. After 2 years they sent me a letter stating that the time for my claim has expired. I found this unbelievable because I was on the phone with them for many months and they never told me how to proceed to resolve the issue. I feel like they are neglected my request for so long, I found that the misleading information and they just want clients to sign in their programs like me, paying every month {$99.00} dollars and then when I need them to comply with the agreement. I am living in a fixed income ( social security disability ), leaving here and there without home and looking to move forward with my financial situation.

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 2021-06-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
JP Morgan Chase continues to harass me and calls before hours. I have picked up the phone numerous times to ask them to please stop calling. Just this morning they called at XXXX PST, just as they did on XX/XX/XXXX, at exactly the same time. This is illegal and a violation of law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-29
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
THIS IS NOT A DUPLICATE. After first dispute, company sent me a bill verifying a debt owned to XXXX. Sending a bill does not validate that I owe XXXX XXXX anything. I do not have a signed contract between myself and XXXX XXXX. I have a right to be provided with proof of a signed contract or I would like the debt removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: CITIBANK, N.A.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was paid in full and I was told they would remove it from my credit report but that has not happened yet

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 2020-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
While checking my most recent credit report, I noticed credit inquiries that I did not 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 2020-08-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XX/XX/2020 did not approve of this

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 2021-06-04
Company: Exeter Finance Corp.
State: AL
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:
On XX/XX/XXXX we traded in a vehicle to XXXX XXXX. 
They pay off for the vehicle wasnt revived until XXXX cause Exeter Finance doesnt not have a physical address. My credit report is showing a late payment which needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: DISCOVER BANK
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
To : Executive Office of Discover / XXXX XXXX XXXX XXXX & President XXXX XXXX ) XXXX. 

XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX I called Discover Customer Service to get financial relief ( postponement / reset / interest skip-a-month ) Coronavirus help because I have no job and no money, Discover Lied to me each and every month stating that " Discover doesn't offer Covid-19 relief to its customers '', they keep refusing to reset my monthly payment to {$0.00} since XXXX when this National crisis hit. Discover 's Customer Service Personnel are engaged in Selective Discrimination which is Illegal. Also, last year XXXX I called Discover Customer Service for XXXX Insurance and/or help with lowering my monthly payment due to my XXXX and they told me that " Discover doesn't offer such a thing ''. That to is another Lie! These are all Recorded Phone Calls. and last year after 3 years with Discover I asked for my {$200.00} Security Deposit back & for a non-secured credit card and Discover Lied and keeps saying " I don't qualify '', that is yet another Lie! These people are so cheap and Greedy it is ASSAULTING! Now Discover is sending me Harassing and/or Threatening Text Messages that " I did not sign-up for '' bothering me about payments when they are supposed to postpone XX/XX/XXXX payment regarding ongoing Covid-19 Lockdown. I will have to Sue in US District Court about this abuse and mistreatment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My account had fraud in XXXX of 2020 After my car was broken into. I Immediately contacted Chase to report what happened. A week later whomever stole the bank cards and ID went to several chase drive thru banks and presented my ID along with hand written withdrawal slips that Chase provided the account number for. A total of 21 transaction were made to 5 different accounts in which Chase tellers provided the thieves the account number to each account. Then I opened a new account ... .they gave that account number to the thief again. THe executive office got involved I eventually got my money back a HUGE inconvenience and so violating.

Today I open my mail only to find that this has happened again. Luckily I moved my money from chase be cause I can not trust them, however they were able to deposit a forged check then do a withdrawal slip with a signature of XXXX XXXX and Chase gave them the funds and my account again, I had to get a new identification number in which I took to chase ... ..How does this happen PURE NEGLECT from CHASE.

I have included the police report and the most recent withdrawal transaction. This is just not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Bank of America XXXX XXXX I logged onto my Bank of America account and intended to make a payment of {$620.00} in order to pay off my credit card. I accidently paid XXXX so I overpaid by {$5400.00} M Monday XX/XX/XXXX I logged onto my XXXX XXXX and realized that my bank account was several XXXX into overdraft. So, I called Bank of America. A representative from bank of America took my bank routing number and told me that it would take XXXX business days in order to get my refund. 
Wednesday XX/XX/XXXX. I called bank of America. The representative over the phone told me that the original XXXX return was incorrect because each transaction has to be invested for fraud and it could take up to 30 days. 
Wednesday XX/XX/XXXX. I was unsatisfied with the answer I got and called back and asked to talk to a supervisor. I was on hold for more than an hour and was able to get a supervisor on the phone. She took my phone number and told me that she would try to expedite my refund. She never called me back Friday XX/XX/XXXX. I Called Bank of America and talked to a representative. The person over the phone XXXX XXXX that I would be eligible to file a Refund research paper trail report on the XXXX business day which is tomorrow and tried to offer me a 3 % cash back option on the card so at least I could get something out of the deal. I asked to be connected to a supervisor. He told me that he didnt have the ability to do that but he would fill out a request and have someone call me back. This didnt happen. 

This situation has caused financial hardship. Even though I have explained that to each representative. This situation has caused a financial crisis for my family. No one from bank of America is has been able to help despite my persistence. Im disappointed that and ashamed that I live in a country were Bank of America thinks that they can treat customers in this manner. If was only a few XXXX dollars that I would just wait it out but XXXX. No way.

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