BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-19
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have had an account with XXXX XXXX for about 5 years now. Around 2 years ago we converted to using this card for all of our daily purchases due to the rewards program. Typically in a month we spend around 4-5k a month usually paying in full. The past couple months we have spent more than usual as we are in the process of buying a new house and selling our old one. During our entire history with this company we have always paid from the same bank account with NO returned payments. 

We recently closed on our house on XX/XX/XXXX and I made a large payment to pay the balance in full on the card since we had spent a little more than usual the XXXX payment was submitted on XX/XX/XXXX and has debited my bank account on XX/XX/XXXX. I was not notified until I called the company to ask why I was unable to use my card that they have placed a 10 day hold on my payment. After speaking with them I was informed that no one in the company had the ability to have this hold removed and the only reason I was given was I made a large dollar payment. I brought to their attention my banking history with them, the fact I routinely make larger payments on this card, and that it had debited my account already which means the payment cant be rejected but they still claimed that no one in the company could release it. I did request the company to provide the regulation that dictates they have the right to place a payment on hold for that long as I know this time frame exceeds what is allowed under funds availablity regulations. The customer service agent did not understand what I was asking for and could not provide that to me. 

This is not the first issue I have had with them. In the past 2 years anytime I have had to deal with someone in customer service they have been unwilling to resolve my issue or offering alternatives to assist me. One of these times the customer service agent actually told me that I was not a large enough client for them to assist me in what I was requesting. Another time I was told that if you arent happy with our policies then I should find another card. These issues were centered around a card that was lost in the mail and they would not provide any resolution other than canceling my card that expired that month and making me wait the 7-10 days for a new one.

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 2019-09-03
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Didnt get any notice from the company about any unpaid bills, I actually had medical insurance at the time, also Auto insurance in which I was covered under my PIP for medical fees resulting from the auto accident I was involved in which was the reason why I was admit to 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 explanation
Consumer complaint received 2020-05-12
Company: Experian Information Solutions Inc.
State: NV
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 did not authorize these companies to run my credit.

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 2018-11-09
Company: SECURITY FINANCE CORP
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have reseted my password multiple times and it still says it can't allow me access to my account.

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 2020-08-30
Company: EQUIFAX, 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:
Upon viewing my credit report I found an inaccurate late payment from XXXX XXXX on XX/XX/XXXX that was reported on XXXX  XX/XX/XXXX. This late payment was never on my credit report all these years until XX/XX/XXXX. How can this late payment be accurate when in XXXX XXXX XXXX XXXX XXXX I had good payment history. XXXX   Equifax and XXXX  is reporting this account inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon viewing my credit report I found an inaccurate late payment from XXXX XXXX on XX/XX/XXXX that was reported on XXXX  XX/XX/XXXX. This late payment was never on my credit report all these years until XX/XX/XXXX. How can this late payment be accurate when in XXXX XXXX XXXX XXXX XXXX I had good payment history. XXXX   XXXX and Transunion is reporting this account inaccurate.

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 2018-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
On XX/XX/XXXX I had a return flight from XXXX XXXX to NY with XXXX XXXX. Then next flight out they offered me was 4 days later. I had to go to work so did my husband and my kids had school. So I had to book another flight with another airlines costing me {$1800.00}. 
So I wanted my {$700.00} back from XXXX  since we never used their service. They over booked their flight. I asked them for a refund and they denied me. They I went to the credit it card I charged it on which is a Bank of American XXXX card to disbute the charge and they denied me. They had sent me a form in the mail which I filled out and sent back the next day. Sometime after that I had received a letter in the mail telling my I was denied. I called to tell them I want to dispute this further and they said my time ran out. I said how can that me when I just received your letter in the mail today. They said sorry. I said this is a scam I asked to speak to a manger and the manger told me sorry can't do anything.

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 2018-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX XXXX has been reporting inaccurate information repeatedly on all three of my credit reports, I have disputed this information monthly since XX/XX/XXXX and this information is still being reported incorrectly. I called to have the vehicle surrendered in XX/XX/XXXX the car was picked up in XX/XX/XXXXI did not make any payments on this car after XX/XX/XXXX The car was sold at auction for {$6800.00} and the deficiency balance is showing as the balance before the sale which is over {$14000.00}. This is incorrect and I have disputed this amount to be corrected for 4 years with no resolution. I have documents that show all the payments I remitted to them and what should be the amount reported. They have reported not only the incorrect amount but they have reported the car as repossession and this should be reported as voluntary Surrender.

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 2019-09-03
Company: STERLING JEWELERS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I purchased and returned a watch to Kay jewelers ( {$990.00} ).  The watch was sold to me broken and I returned it to the XXXX XXXX location where I purchased several products from. I was told that they would return it to headquarters for repair. And they took the amount I paid and gave me credit to purchase another watch. Now they are attempting to charge me for a watch that was returned at there store 2years ago. They didnt contact me through mail or calls because I would have disputed it. Now a lawyer is contacting me. I answered the summons and gave the same response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XX/XX/2019, I went into XXXX XXXX  in XXXX XXXX Indiana and I also tried to open an account with XXXX XXXX and Fifth thirdbank, at XXXX. I wanted to just open a regular certificate of deposit. The banker told me that I owed two banks from XXXX and that i would not be able to open an account until it is paid off. I am starting a new job in the area and I can't open an account anywhere. I tried to open a checking account and savings at fifth third and they told me the same thing

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: EQUIFAX, 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 status incorrect

Complaint:
XXXX lease was closed out 2015 A/c number XXXX XXXX  has a balance due of {$410.00} and a XXXX monthly payment that shows as due Equifax shows that a XXXX monthly payment is due Both are incorrect and XXXX has verified that this account is closed and nothing was due at the time it was closed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-09
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My joint checking and savings account at Citibank have been ope for over 25 years. In XX/XX/2018 Citibank contacted my wife to complete a Know Your Customer requirement. She spent 2 hours on the phone answering among other things the value of my home and such degrading questions as how much money does your husband allocate to you for spending On XX/XX/2018 I tried accessing my account on like only to get a message the account was frozen. Each day since Ive spoken to Citibank and am told the account is frozen because Citibank has not had time to review the KYC questions provided by my wife. As a result of freezing the account I do not have access to nearly {$7000.00} for over a week. All my auto payments including mortgage utilities and credit cards are delinquent. My credit is now also frozen Citibank assured me back in XXXX that the matter would be resolved in 4-5 business days but there is nothing else it can do My 800+ credit score undoubtedly will be impacted because of Citibanks incompetence Does Citibank have liquidity issues? How can it feeeze my funds because its staff doesnt have the time to review a 2 hour questionnaire that had many irrelevant and degrading questions

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 2018-08-24
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: Personal information incorrect

Complaint:
EXPERIAN WILL not update / Delete the address below from my credit file! 

This is a Non-compliance request i have never lived at this address, it belongs to another family member XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Fl 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 2018-06-26
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2018 I noticed my account was overdrafted. I transferred funds from a external account to cover the over draft. Before doing so I transferred over a test transfer to make sure the funds where going to be available and there would be no delays. There were no delays as it showed in my present and available funds. I then proceeded to transfer over 100 dollars and again it was showing in my present and available balance. Before logging out of my mobile banking my account was at a positive balance. The follow day I logged into my account and it showed 3 nsf fees. I contacted the bank and they said there was nothing they could do. I escalated it to a manager and again I was told there was nothing they could do. I have called several time and I have been told the same thing. Had I known that the funds were not going to cover the negative balance I would have deposited cash but because my account was in a good standing before logging out I felt comfortable and confident that I was not going to be penalized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-03
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried to call Equifax for the past month in order to unfreeze my credit score. I'm currently in the process of trying to buy a house and am about to lose said house because they will not release my score. I have sent them all the information they require in order to make this happen and each time they have lost it. I verified the fax number with them every time I called ( I have the correct number each time ) and still they have yet to receive my paperwork. I am 3 days away from losing the contract on my very first home because they refuse to help me and give me false information. I have cried and I have begged for any kind of work around in order to make this process go faster so I will not lose my house, but I am met with the same scripted telephone calls each time. They have said there is a problem with my identity ( I married XXXX  years ago and recently divorced but kept my married name because that is the name attached to my social security number )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I signed up with BofA many years ago when they offered a Free Checking program. In 2012, I had a incident online where I was presented a form fill page requesting my personal information. I did not want to provide this, so I called the BofA number on the back of my card and was told by one of their reps that it was fine to complete the form because they needed to update my information. A few weeks later, BofA called me because my account had been hacked and we needed to close and reopen a new account. So we did that in  XX/XX/2012. At that time, Bank of America agreed to permanently waive the monthly maintenance fee on my account even though the " free checking programs were no longer available ''. I have a copy of a letter from XXXX XXXX, Vice President / Customer Advocate ; Office of the CEO and President stating that the maintenance fee would be permanently waived. Bank of American has billed me maintenance fees over the past few years because I could not locate my letter and they had " no record on file that my account should be free. I have called them and they won't take a copy of the letter an will not honor it.

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 2018-03-07
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last week, I received a collection notice from RMCB ( Retrieval-Masters Creditors Bureau , Inc. for payment for two services from XXXX XXXX XXXX XXXX dated XX/XX/2015 and XX/XX/2015. I knew of no outstanding bills. I contacted XXXX XXXX. They could not find or identify the account numbers noted on the RMCB invoice and further confirmed I have no outstanding payments. Concerned about the 2015 dates, I researched the company online. After learning RMCB has a track record for issuing invoices for money not owed, I chose not to contact them and provide any additional personal information. Hopefully this may help others to check before sending payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America pick and chooses which check to hold. I have been banking with BOA and their policy has changed drastically. The check they hold do not apply to any of their hold policies. 

On XX/XX/2018 - 2 check out of 10 were held with no apparent reason. I have a history of depositing check from these same venders with no issues. I have a 20 year history of banking with BOA and now I'm unsure of which check they will hold. 
I called and spoke with a BOA Representative and I was told " they could not get verification from the bank '' Is that just a way from BOA to hold my money and make interest on it. 

As Per BOA Web site : Situations that typically cause a check to be held include : There is reason to believe the funds may be uncollectable The source of the check The account has been open for 30 days or less The account has repeated overdrafts in the last 6 months The check is in an amount greater than {$5000.00} or larger than you normally deposit Fraud is suspected The check was previously deposited, then returned unpaid The check was not properly endorsed Emergency situations, including computer or communication failure Incorrect routing or account number information on a deposit slip

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 2018-08-24
Company: LTD Financial Services, L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The number ( XXXX ) XXXX calls about 10 times per day. Does not leave a message and calls before XXXX and after XXXX. After further investigation it looks like LTD Financial Services is the owner of this number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Experian Information Solutions 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 XXXX and Experian are still reporting some of them. XXXX  in particular has not even responded to my dispute request at all. Experian 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 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 2019-09-03
Company: Advance America, Cash Advance Centers, Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
Sometime in XX/XX/2019, I called the clerk at the Advance America store located in XXXX, LA and informed her that I would be in that week to make the late payment on my loan and not to deposit the check. The next day, she deposited the check. I called the manager, XXXX to inform her of how furious I was that they did this and she apologized for that error. She told me that it should have never happened. 

On XX/XX/19, I paid {$40.00} on my {$250.00} loan and was going to make weekly payments but couldnt. On XX/XX/19, my {$250.00} check was redeposited over five times per my bank. A few times were returned NSF. No one mailed me to inform me that my check would be redeposited which was fraudulently done because I made payments. I did not owe them the full amount. As such, it shows that my payments were never applied to my account and they stole money from me. I have the receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Citibank charges high rates, lower credit limit and frustrates me and using my credit report to close my card that Ive always paid.

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