BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-13
Company: Westlake Services, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Hello, Sorry if this is the wrong section. I've been trying to get my refund back from XXXX XXXX XXXXWestlake Financial Company for about four months now and feel like neither side is really trying to help me, and just hoping I let it go. 

I received an extended warranty from Westlake Financial Group/XXXX XXXX  with purchase of a Used Car. The car got in an accident, was determined totaled, and was covered partially by my Insurance Company. After that, I realized I had the extended warranty on a car I no longer had, so I attempted to  get a refund from Westlake. I spoke to them and they explained they could give me a pro-rated refund, part of it being covered by Westlake and part of it being covered by the dealership ( XXXX XXXX ) Westlake financials processed my refund without any issue, however I've been having trouble trying to get the dealership to honor their side of the refund. According to the dealership, they had sent a check to westlake financial group and at this point have done what they need to do. According to westlake, I've heard two different things that happened ( from different people, so I'm not sure which is true ). One person said that the refund was sent, but because the person handling my account no longer worked for the company, the refund was never processed. Another person said that when the refund was sent, the dealership had insufficient funds in their account, so it was never processed. I'm not sure which is true, and my attempts to put together a call between myself, Westlake, and XXXX XXXX have been unsuccessful. Westlake has said they'd call me back on numerous occasions and they haven't and the dealership has told me to get Westlake on the phone and to call him and we'll figure it out, otherwise he's not really listening to me. At this point I'm tired of calling Westlake and getting false hope, and I'm tired of calling the dealership and being spoken over.

Additionally, I've sent Westlake financial multiple emails about this issue, some which don't get responded to and others which don't really address my specific situations. I recently tried to call Westlake today, but my call didn't go through.

Per an email with Westlake on XX/XX/XXXX, here are the warranty amounts : Your warranty refund amount due is {$970.00}. ( WFS portion XXXX was already subtracted towards your principle last XX/XX/XXXX ). Were still waiting for the Dealer Portion {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Citi Priority Checking Account ending in XXXX on XX/XX/XXXX because I received a special promotional flyer sent to my residence which stated that " I will earn XXXX thank you points if I make {$750.00} in debit card transaction and 1 bill payment for 2 consecutive calendar months within 60 days '', I completed above requirements by XX/XX/XXXX and was expecting the bonus to post within XXXX calendar days ; however, the points did not post within 90 calendar days. So I contacted citi on XX/XX/XXXX and I was reassured that the points would post within 30 days ; however, the points have not been posted as of XX/XX/XXXX. Since this is a targeted promotion and I provided the specific coupon code XXXX upon opening account, I feel frustrated and disappointed in citi 's ability to fulfill this promotion. I request that the XXXX thank you points be deposited into my account asap, and on top of that, XXXX~XXXX bonus points as an reimbursement for the time I invested in following up this case. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I applied for a HELOC at my own bank, Bank of America. The process has taken incredibly long, no disclosure documents were sent to me for at least 30 days from application date, and NMLS licensed personnel at the bank misrepresented that their policy regarding certain legal forms and notary selection by the consumer were actually state law as opposed to bank policy. Additionally, when I told them that I wanted to apply at a second bank, they told me they refused to process my loan unless I signed a document stating that I would not apply at another bank. I believe this limits competition among service providers and is intended for the bank to take advantage of the consumer. No other business would operate this way. I'm not even certain that type of demand is legal. 

I feel as though they have been misleading me to the extent of possible financial harm by refusing to let me shop for a mortgage.

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 2019-02-13
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: Information belongs to someone else

Complaint:
I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I contacted the local police and the FTC about this. I also saw some inquiries on there that are not mine as well : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I already reached out to the Experian for the following unauthorized inquiries listed below and notified them of their error posting on my credit file. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the actual proof and physical firsthand documentation but I did not receive what I asked and these violations persist on my credit report. 

1. ) XXXX XXXX  XXXX. Date of inquiry XX/XX/XXXX 2. ) XXXX XXXX  XXXX. Date of inquiry XX/XX/XXXX 3. ) XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX 4. ) XXXX XXXX XXXX Date of inquiry XX/XX/XXXX 5. ) XXXX XXXX Date of inquiry XX/XX/XXXX 6. ) XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
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:
Hi, I pulled my report and found out that there were late payments showing from the company below. 

XXXX XXXX account number XXXX I was never late 30 or 60 days on this account when it was active.I figured it must have been some sort of billing error on their part. 

I have tried to take care of this matter with the creditor and the three credit bureaus and noone has yet respond. When I tried to resolved this matter the company keep stalling. I have been dealing with this matter for sometime now and you guys are my last option please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
We are very disappointed with the way American Express has handle our account recently after being a customer since XXXX. I had called them to get the amount due deferred which was approved for one month, I was told that the deferment would not interfere with us using the card, I also told the agent that we have a XXXX XXXX and our revenue right now is almost 25 % from 100 % and that we will during the month make some type of payment as money comes in. On XX/XX/XXXX I attempted to pay our auto insurance and the payment was declined, that same day I was planning to make an online payment of XXXX.I called and after being tossed around to different dept I finally got an agent to help me, he couldnt understand why the transaction was declined, he put me on hold and went to speak to his supervisor, when he came back on the line he said the reason why was because our pre set limit was XXXX and we only had available XXXX, I ask him since we had planned to pay the XXXX will that allow us to resume the charges, he said that if I made the XXXX payment, then we would have XXXX available, I explained to him that thats almost all the money we had and we counted on the Amex to keep purchasing the essential he said yes that we would be fine as long as we dont go over the limit, 2 days later our charging privilege were suspended and the balance was only XXXX we still had XXXX available going by the XXXX which is what he told us, now we couldnt charge and we had given American Express almost all the money we had, how can they do this? I called again, the first agent I spoke to told me that the reason was because we needed to pay XXXX which was part of the deferment and the current which its not due till XX/XX/XXXX, this amount was deferred how can they suspend our charging privileges for that reason, I had her transfer me to a supervisor, after a long wait I got someone that his english was so poor I had a hard time understanding him and what he said was that the pre set limits change, I told him, I was not told that, he said all I could do is make another payment, I could not believe my ears we are going thru this pandemic and here is this guy telling me to make another payment? With what? Now I couldnt pay them anything else because they took our money and stopped us from charging for no good reason .... We were lie too and I find that so unprofessional, I can't still believe what American Express has done to us mostly at this time. There is no way for us to be able to pay anything else on this card because the cash that comes in we have to use it. Very inhuman, we thought American Express was the best, not anymore, we will never forget what they have done to us. We were lied too and cheated. Not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: IQOR US INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Allied Interstate calls 50+ times per day from multiple numbers and area codes. Calls start as early as XXXX XXXX and as late as XXXX XXXX. The caller ( s ) are from a call center ( XXXX based by accent ) and will call back immediately from a different number if the previous call is not answered.

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 2021-09-09
Company: NCB Management Services Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have repeatedly asked this company to stop calling me, but they turn around and call me right back. They have been harassing me for months. I am not collecting dates and times to report them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: SYNCHRONY FINANCIAL
State: CA
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:
GREETINGS CFPB, CARE CREDIT IS OVER CHARGING ME, THEY SAID I HAD NO PAYMENTS CREDITED TO MY ACCOUNT .I PAID A PREVIOUS CHARGE ALSO AND THEY ARE CHARGING ME ALSO, THEY CLOSED MY ACCOUNT AT XXXX XXXX, XXXX XXXX DOLLARS. I OWED THEM XXXX XXXX DOLLARS FOR XXXX XXXX XXXX XXXX CA. PAYMENTS ARE - $ XXXX, $ XXXX, $ XXXX, $ XXXX, $ XXXX, $ XXXX, $ XXXX $ XXXX $ XXXX, $ XXXX, $ XXXX, $ XXXX, $ XXXX, $ XXXX ALL FROM MY XXXX XXXX XXXX XXXX ACCOUNT TO XXXX BANK.

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 2018-10-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This complaint is in regards to overdraft fees associated with an RBS Citizens Bank checking account. I have already tried coming to a resolution directly with RBS Citizens Bank, but was unable to resolve the issue.

I have previously confirmed directly with RBS Citizens Bank phone representatives and multiple bank tellers that RBS Citizens Bank 's checking account overdraft policy is that if any account becomes overdrawn on a business day, as long as the account holder makes a deposit or transfer into the overdrawn account by/or before XXXX EST on the day the account became overdrawn, an overdraft fee would not be charged. 

After I reviewed my account statements in detail, there are a total of 6 overdraft fees, at {$35.00} each, that RBS Citizens Bank has assessed to this checking account. All 6 of these fees were charged on transactions that overdrew the checking account, but the account balance was brought into a positive balance, by a deposit being made, prior to XXXX XXXX on the day of the overdraft.

By Citizens Bank 's overdraft policy, there should not have been six {$35.00} overdraft fees assessed for these transactions on the attached dates.

I have attempted numerous times to resolve this with RBS Citizens Bank phone support representatives.

Their standard reply is that they can not reverse overdraft fees. I have replied that I am not looking for a valid overdraft fee to be reversed, that the fees were not correctly assessed by RBS Citizens Bank.

I have been unable to resolve it directly with RBS Citizens Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-28
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Experian and XXXX  credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.

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 2019-02-13
Company: Commonwealth Financial Systems, Inc.
State: VT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, Commonwealth Financial Systems of XXXX XXXX Pennsylvania falsely reported to major credit reporting agencies ( XXXX, XXXX, and XXXX ) that I owed a debt of {$1000.00} to a medical practice in XXXX, Illinois in 2013. I have never owed such a debt, I did not live in XXXX Illinois in 2013, I have never visited an emergency room. CFS then reported through the mail that they were attempting to collect the debt. I responded informing them that I do not owe such a debt and that their attempt to collect and falsely report the debt violated the Fair Debt Collection Practices Act. They responded by continuing to falsely claim that I owed the debt ( ignoring the fact that they are referring to me by the wrong name ) and have failed to remove their report to the credit agencies. As a result, my credit score dropped more than 100 points, causing my credit card companies to reduce my available credit and increase my adjustable APR. In addition to this violating the FDCPA, they have caused financial damage by libeling my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: AFNI INC.
State: NY
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:
THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
There are two accounts that have just suddenly appeared on my credit report that I am not familiar with. Both accounts list an opening date of XX/XX/2018 and I know that I have not opened ANY new accounts within the last 6 months. I have sent both XXXX XXXX XXXX and XXXX XXXX a letter demanding validation of the debt they are attempting to collect from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have a credit card with XXXX XXXX XXXX XXXX. I have always made all of my payments on time. One day I decided to check my credit on Experian when I saw an alert come up on my phone, I immediately went on my computer, and I realized that there was a late payment on my Experian, XXXX   and XXXX credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting Experian and XXXX XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX are all reporting me late. There was definitely an error on their part, I always made payment on my mortgage a few weeks earlier than the due date, and always on time. I was never 30 days late twelve times, and I was never 60 days late.

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 2019-02-13
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have a credit card with XXXX XXXX  XXXX XXXX. I have always made all of my payments on time. One day I decided to check my credit on XXXX  when I saw an alert come up on my phone, I immediately went on my computer, and I realized that there was a late payment on my XXXX, Equifax and XXXX  credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX and XXXX XXXX XXXX XXXX  with no successful resolution. XXXX, Equifax, and XXXX are all reporting me late. There was definitely an error on their part, I always made payment on my mortgage a few weeks earlier than the due date, and always on time. I was never 30 days late twelve times, and I was never 60 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: Capio Partners, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern : On XX/XX/XXXX I was notified through XXXX credit monitoring that a collection appeared on my XXXX credit report from Capio Partners , LLC for {$500.00}. After contacting the company, I submitted a credit to all three bureaus as this was not my debt nor a provider I was familiar with. After investigation, the items was removed from all three credit reports mid-summer. 
However, after the item was removed, it has reappeared under a slightly edited name on XX/XX/XXXX and again on XX/XX/XXXX. Instead of being listed as Capio Partners , LLC it is now appearing on my report as XXXX XXXX XXXX/CAPIO Partners. As reported previously, this is not my debt. The continued appearance of this on my credit report is causing undue harm as I am in the middle of a home equity loan approval process. The reporting not once but twice within 3 weeks caused an 88 point drop to my credit score. I believe the name change combined with reporting this incorrect item twice in less than a month is an abusive practice. This is not my debt and was previously resolved. I am hoping the Bureau can assist me in getting this resolved. 
I have reached out to all three bureaus for assistance, but I am concerned the company will continue this practice and just keep changing the name and submitting to my credit report. As this is not my debt, I want this error permenantly cleared. 
Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-13
Company: Nationwide Recovery Systems, Ltd
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been getting phone calls about a medical bill that is not mine they even told me over the phone ( XXXX ) that the name is not mine and i have noting to do with that name please make sure to take it off my credit report See old cfpb # XXXX With a different collection company with the same file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland Funding is a debt collector who claimed that I owed {$2300.00} from XXXX XXXX. This debt is still listed as a collection after they stopped hitting my credit after I disputed it in XXXX of 2019. I need documentation of this debt from the original creditor which I haven't received. Also, they are a debt collector based out of Michigan which has not obtained a surety bond in the state of Texas. Therefore, they can not attempt to collect a debt within Texas.

Company response to consumer: Closed with explanation