BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-04
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My wife and I are trying to obtain a mortgage and several medical collections showed up on our credit reports damaging our credit scores. All the debts were paid on the companies payment website using my mother-in- laws credit card and confirmation # 's and e-mails were recieved on her email.The Collection Company is : XXXX , XXXX , XXXX and XXXX XXXX located in XXXX XXXX NY . After waiting several weeks for these to be removed from credit bureaus we called on my wife 's account and requested that they send updates to bureaus. A week later they all showed removed and her credit score improved. Mine however were not, so several weeks later I called and they found no proof of payment and said it was still owed.I was on my way to work ( night shift ) so gave them permission to speak with my mother in law as she had the confirmation # and acct #. She spend over 1 1/2 hours trying to get issue resolved with no positive outcome. The rep thought maybe the payment was applied to a different account so she took my mother-in-laws information and was to have a supervisor call her the next morning ( today ). She did a lot more digging into the situation and thinks she had found something that might help track the money. She called back and they refused to even look up anything because she was not the client. The supervisor did get her return call info but refused to call her back because of this. We called call again this morning and they would not speak to me because my mother in law was in the background and the rep could hear her giving advice. They hung up on me. I called back and ended up repaying again using my mother-in-laws credit card. She will have to dispute the original charge to get credit. They need to improve their accounting practices and customer service skills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRUIST FINANCIAL CORPORATION
State: AL
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:
XXXX is a failure

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I tried to withdrawal XXXX from my account and the teller told me I needed two pieces of identification. I had my passport and that was always enough information when I had withdrawal money before. I asked the employee to show me where in the rules and regulations it says I need two forms of identification to withdrawal over XXXX from my account. They pointed to a piece of paper taped to the glass. The piece of paper did not say I needed two pieces of ID or anything about XXXX dollars. I asked h where it said I needed two forms of ID and he basically told me to XXXX XXXX I called the bank and they escalated my complaint. It the complaint I said that the fact that the teller has descresion on whether to let people with an ID take money out or not is a discriminatory practice. It allows the teller to discriminate if they want to and have no repercussions. I never said I was being discriminated against. The response from the bank was that they decided I was not being discriminated against and the case was closed. When I called the number on the email it was just the general call center number. I tried to dispute the response and the said the case was closed and they could only open another complaint and that they did not even have access to the original complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: CITIBANK, N.A.
State: FL
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 notified homedepot credit card department, run by citi cards, of fraudulent charges made in XXXX XXXX. I received an e-mail confirmation from homedepot for an online purchase that I did not make and called the company immediately. Several additional charges were made before the account was closed. The account was eventually closed and the balance was transferred to a new account. I confirmed my portion due and paid in full. I was under the impression the issue was taken care of by the end of XXXX. XXXX XXXX I ran a credit report and found late charges associated with the account with fraud. I was never notified of a remaining balance. Since XXXX XXXX, XXXX I have called 10 times to resolve the issue. I have requested to speak with a supervisor, I was told none were available but my request would be passed on and I would receive a call back. I never have been contacted. I am filing a complaint now for two issues : 1. Every time I call for an update on the issue I am provided different information. I am never allowed to speak with a supervisor or the investigator on my account and I never receive a call back. 
2. My credit report is reflecting a failure to pay, which is incorrect, thus affecting my ability to be approved for current credit requests. I am trying to move and the negative credit score is impacting application approvals. 


initial fraud charges : {XXXX XXXX/XXXX/XXXX {XXXX} XXXX/XXXX/XXXX {XXXX} on XXXX/XXXX/XXXX Since the credit report ran on XXXX XXXX XXXX, when I realized there was an issue, I have spoke with Homedepot on the following dates : 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

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 2017-09-28
Company: First Commonwealth Mortgage Corp.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On approximately XX/XX/XXXX I contacted First Commonwealth Mortgage Corp. out of Kentucky to assist me with a home purchase. I worked with gentleman by the name of XXXX XXXX XXXX # XXXX. Between the dates of XX/XX/XXXX and XX/XX/XXXX all the appropriate paper work was submitted to to get me " Pre-Approved ''. Based on my income, taxes, and rental income I was almost instantly pre-approved. 
( Keep in mind pre-approved is different then pre-qualified ). I found a house and went under contract. XXXX told me " we 're gon na push this thing through as fast as we can '' asking me to forgive him if he seemed pushy and demanded documents be signed and financial documents be sent of as fast as possible upon request. Im fairly organized and prompt and felt nothing out of he ordinary hopeful that we can close fairly quickly. 
Between XX/XX/XXXX and XX/XX/XXXX all documents were in and the inspection was ordered, the appraisal was ordered and the earnest money was withdrawn and delivered. 
Contracts were drafted and signed at the negotiated asking price, and we were scheduled to close on XX/XX/XXXX. With a deadline to withdraw, decline or contest anything in the reports, and or contract by the XX/XX/XXXX. XXXX knew 100 % about this deadline. 
On XX/XX/XXXX. XXXX called and emailed me that the deal was dead and that I did n't get approved for the purchase. 
He stated it was a XXXX XXXX guideline at which I needed " 5 years self employment income. '' ( Fannie Mae has no such guideline ). After that I had my Financial and Real-Estate professional reach out to XXXX, at that point he said it was my " Debt to Income Ratio '' ... So which one was it? 
Either way, at the point of my application submittal XXXX XXXX should have noticed the " 5 year income rule ''. Or, based on my financial records seen that my " Debt to Income Ratio '' was to high. Either way he should have noticed INSTANTLY!. Also, a person can not use rental income for the purchase of a new home unless they have claimed rental income for 2 years on they 're taxes. Or have moved 50 miles away from primary residence. In any case I did n't meet either criteria. 
I believe XXXX XXXX was lying to me from the very beginning and was trying to get this loan approved by any means necessary. I believe shady practices were involved and calculations were grossly neglected. Whether its intentional mal-practice, laziness, or greed. I am now out {$2500.00} Earnest Monies {$1500.00} Appraisal Monies {$620.00} Inspection Fees {$420.00} XXXX XXXX knew instantly I did not qualify for this loan. Now XXXX families immediate futures are in shambles because of his, neglect and very un-proffessional ethics.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-27
Company: Bread Financial Holdings, Inc.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received over four calls per day from Comenity Bank on several dates. I spoke with them today about violations to the FDCPA, which allows seven calls in seven days. They have called more times than this, as evidenced by my phone records, which I am happy to provide. When I spoke with them about the repeated call, the 'supervisor ' told me that there was no such restriction on calls in Wisconsin , only in Maryland and they were allowed to call me as much as they wanted. They were rude and aggressive and in clear violation of the allowable number of phone calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To XXXX XXXX XXXX EQUIFAX XXXX ( XXXX ) I SENT EQUIFAX a AFFIDAVIT RECEIVED on XXXX CERTIFIED MAIL # XXXX outlining how your company violated my rights as a consumer under 15 USC 1681. The subsections you violated are as follows : 1.15 USC 1681- ( a ) ( 1 ) 2.15 USC 1681- ( a ) ( 2 ) 3.15 USC 1681-a ( 3 ) 4.15 USC 1681-a ( 4 ) 5.15 USC 1681b. ( 2 ) 6. 15 USC 1681a ( d ) ( 2 ) ( A ) ( j ) - 7. 15 USC 1681a ( d ) ( 2 ) ( A ) ( ili ) - 8. 15 USC 1681a ( B ) - I have attached the letter that I sent you before with this letter, I even attached a copy of the certified mail receipt that 1 used to mail it. EQUIFAX responded on ( XXXX ) alleging that the accounts ) in reference were verified. Now I am exercising my right under 15 168li ( a ) I am requesting your method of verification, and I am granting you 15 days to respond to this request. If this account was in fact verified as you claim that would mean that you investigated it, and it would also mean that this was in fact an investigative consumer report. If this is an investigative consumer report I am also exercising my rights under 15 USC 168la ( e ) I want to know exactly who you spoke with, and the method

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Someone was trying yo use my personal information without my consent! I've filed a identity theft report and will include below!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I called Bank of America at XXXX XXXX XXXX to report unauthorized charges for several attempts of {$1200.00} and {$1000.00}. I complied and answered all questions asked by the agent. The total of my opened claim came to {$6000.00} on XX/XX/2022. On XX/XX/2022 I called the number again to check the status and request provisional credit because I need to pay bills. The agent escalated my claim because of hardship. Today, XX/XX/2022, I log on to check my claim status and its been denied, not paid. I am upset because this is a large amount of money. 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 2022-04-27
Company: GreenSky, LLC
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
My business : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, KY XXXX XXXX XXXX We contracted with greensky , llc. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX ; XXXX ( XXXX ) XXXX Our Account Executive : XXXX XXXX XXXX ( XXXX ) XXXX direct ( XXXX ) XXXX mobile We entered into contract with greensky to offer financing for our customers/homeowners. We are an XXXX  company and sell XXXX XXXX XXXX XXXX XXXX. We sell XXXX  equipment to homeonwers, and greensky finances the project. Greensky deposits the funds into our bank account less greensky 's fees. 
The fees are pre-negotiated and are contractual. 
Greensky is charging more in fees than we are signed up for, under contract for, obligated to. Greensky is ripping us as a business off.

Greensky is 100 % aware of this ; they know that they owe us a refund. We have yet to see the refund. 


On XX/XX/XXXX we accepted the rate sheet sent to us by XXXX XXXX. Our first sale was processed XX/XX/XXXX. We emailed our rep XX/XX/XXXX because the fees were incorrect. We have since processed another loan on XX/XX/XXXX. On XX/XX/XXXX we emailed our rep because we were charged more than what the fees were supposed to be, again. 

What has happened since we signed up for greensky 's lending program : XX/XX/XXXX greensky funded a loan, and the fee should have been 4.5 % ( plan XXXX ) or {$240.00}. We were charged {$500.00} ( 9.35 % ). Difference of {$260.00} that they owe us. 
XX/XX/XXXX greensky funded a loan, and the fee should have been 7.75 % {$550.00} ( plan XXXX ), but greensky charged {$940.00}, a difference of {$350.00} that they now owe us. 

I have attached the rate sheet of what we signed up for, and you can clearly see what the merchant fee ( cost to my business ) should be. I also attached our current rate sheet that shows all the plans that we offer and what the merchant fees are. 

As of the date of this complaint, we are owed a refund in over-charged fees of : {$600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
Company: Nations Recovery Center
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received collection letter dated XX/XX/2017 from Nations Recovery Center Inc about a debt for XXXX for {$14000.00} last four digits on letter are XXXX. I do n't owe any money to XXXX I do n't know what this account is about it just popped up in my mailbox out of the blue. I did not apply to any accounts with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
Company: Grain Technology, Inc.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
This company is constantly changing their policies without notifying their customers. Currently the only way to make a payment or review your account information is on their app. Ive been a customer for almost 2 years and was recently notified I need to verify my account again, all requested information was submitted and I still unable to access the app. I was told the turnaround time would be 5 days and it is been more than 2 weeks. I was reported as late a few months ago due to an issue with their app disconnecting from my bank account and not processing the auto pay. I do not want this issue to cause another late payment. I really need help with this, I have reached out via contact us links as well as on social media with no response. Upon further review of the comments on their XXXX profile, many people are having the same issues and we are all struggling with this company to be provided basic access to our accounts so we can take care of payments etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had medical issues that I had to be addressed by a doctor. However bill was not billed correctly. I have been on XXXX for 3 years and have papers to prove this alone with medical cards from XXXX county. Professional finance XXXX XXXX. My medical card from XXXX date XX/XX/2014 department of health care number is XXXX also issued from XXXX county.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
Company: EQUIFAX, 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: Account status incorrect

Complaint:
The CARES Act and FCRA states ...... If you made an arrangement with a creditor, they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX until 120 days after the COVID-19 national emergency ends and at this time the covid XXXX pandemic is still active and in place. XXXX XXXX XXXX  for the months of****XXXX  and XX/XX/XXXX are reporting XXXX late payments to my credit report however I followed all steps of making a valid payment arrangement via the cares act with this company during the period. However the company is still reporting inaccurately to all XXXX of the national credit agencies I was current before and after that time also. The act states if you are current on payments and make special arrangements, creditors must report the account as current. 
Late and missed payments CAN NOT be reported if you have already made arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
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: Old information reappears or never goes away

Complaint:
TransUnion allowed XXXX XXXX XXXX to place a XXXX XXXX XXXX expired judgment as a collection account on my credit report. This collection agency misled and misrepresent information to different reporting agencies such as XXXX, XXXX ). I have disputed with all agencies to remove this negative reporting from my profile which they have complied and removed the negative reporting using the court document I provided. This court document is also attached for your review. 
As of now, TransUnion has not remove it 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 non-monetary relief
Consumer complaint received 2020-02-22
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
An order was placed on an online website and I never received any item I filed a dispute and the dispute was never investigated deep enough. And the investigator took this situation personal .. she was not believing what happened.. asked me to resolve the issue myself and that since it was ordered from my IP address I was reliable .. she advised to file a police report I did and I sent all The paperwork she needed and still was not investigated. She even said the merchant was not providing her with any tracking number of proof that this item was mailed to me and I still was found reliable. I contacted the merchant and was advised I was going to get a refund and I ever heard back from them ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
These inquiry were removed from Transunion report then came back on report with no notice. 

XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX -XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Recently learned of Transunion Error Please assist

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