BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-28
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a collections debt from Midland Funding LLC, in the amount {$1000.00}. The debt was settled and paid on XX/XX/2019. Between XX/XX/2019 and XX/XX/2019, MIDLAND FUNDING LLC collections account was removed from my credit report. Between XX/XX/2019 and XX/XX/2019, the debt was added back to my report. The collection agency is MIDLAND FUNDING LLC. The original creditor was XXXX BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am trying to check my credit report and I can't even verify that it's me because I don't have the " correct '' answers to the verification questions. I believe someone has stolen my identity around 2013 when my XXXX  was stolen. I don't have any evidence that's it's me because it's been going on for so long without me knowing it. I have a military ID and a SS card to prove it's 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 2018-11-19
Company: CHARLES SCHWAB CORPORATION, THE
State: NY
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:
On XX/XX/2018, XXXX XXXX XXXX ran a hard inquiry on my credit. The creation of my new joint checking account with the Bank was completed on XX/XX/2018. However, as I was signing up for the joint checking account there was no note that a hard inquiry would be ran in order to approve the creation of the account. This unauthorized inquiry into my credit has lowered my credit score. Additionally, I have attempted to fund my account and have started auto-deposits from one bank to Charles Schwab, and have yet to see it be reflected in my account. To date I have funded the  account with {$500.00} that appears as deducted from my origin bank account but does not appear in my Charles Schwab 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 non-monetary relief
Consumer complaint received 2018-06-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have attached my Drivers License and SS card showing my name is XXXX XXXX with last 4 digits and the Bankruptcy filed in XX/XX/2017 is not my Bankruptcy. I had submitted previously my identity theft report along with police report. Please delete the XX/XX/2017 Bankruptcy appear on my credit report. As you can see the names do not match and SS number is XXXX. 

I'm also disputing XXXX XXXX XXXX According to the report, your showing my credit limit is {$500.00} and not the {$2000.00} that the credit limit is. I have attached a copy of my recent Credit Card statement that shows my proof.. 

I've tried to submit documents via Experian.com/XXXX but it is unsuccessful.

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 2018-06-17
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I never received this credit card I called and was told the issue had been resolved. Yet the debt was sold to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX and XX/XX/XXXX, Bank of America charged my account {$220.00} that consists of 6 overdraft fees even though I have draft protection. In all my years, as a Bank of America customer, even if an overdraft fee was assessed, which was rarely, Bank of America would credit the fee back within days. This time, it has been a month yet no credit. I find it unethical and illegal to assess a {$35.00} overdraft fee on an amount less than that. For example, I was charged the {$35.00} fee on a payment of {$22.00}. 4 out of the 6 payments were well under {$35.00}. This pushed my account even further negative and completely ruined my budget. A few days later I got paid to make the account positive. The only reason my account went negative in the first place is that my employer was weeks behind paying. All of my fellow XXXX  including myself were unaware of this delay. As a Bank of America customer for over 10 years I should not have to be exposed to such egregious behavior especially thru the difficult times we are in.

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 2018-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
Attempted to have XXXX XXXX XXXX to update my XXXX Credit Card late payment which happened for only 2 months over 2 years ago as reflecting as derogatory on my credit reports thus impacting my FICO scores and my perfect on-time payment history of auto deductions from my checking account for 2 years of above minimum payments. They chose not to update it. However, they change the Account Type from CREDIT CARD ( which it is -- a XXXX credit card ) to MANUFACTURED HOUSING ( I've NEVER owned any type of housing ) I'm renting an apartment in Public Housing. 

As you can see, I've disputed this twice with Transunion telling them this was a credit card but again as you see in the attached document it shows incorrect Loan Type. I'm not disputing the amount nor the credit card. I'm trying to get them to do me a favor in removing it from derogatory account status and make right the Loan Type. I've never asked for an increased in the credit limit in the time I've had this account either, that would be favorable also to my credit score but I  haven't asked for that.

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 2018-11-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I went to get an annual mammogram covered 100 % by my insurance. I have been billed for a service covered by insurance.

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 2021-02-23
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
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:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2018-11-19
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Account XXXX 1. The Consumer debt was sold to a Non Register California Debt Purchaser XXXX XXXX XXXX XXXX XXXX based in Texas as of XX/XX/XXXX. The company does not need a license, insurance and bond to collect it's own debts from California consumers. But the company was not register of their entity with the Secretary Of State Of California to do business in California. That is the State Corporate law. I had complain to The Secretary Of State, the State Attorney and to XXXX  in XX/XX/XXXX and in XX/XX/XXXX the debt buyer removed the account from all three credit reports due to not following the California Corporate law of registering their entity. The debt is not collectible or other wise the debt buyer would still be on my credit reports. All my complaints that I had filed. BBVA Compass is avoiding my complaints regarding the issue..

2. BBVA Compass had abused my credit files. I had attached all three credit reports from XX/XX/XXXX through XX/XX/XXXX and a few from XX/XX/XXXX to the complaint. I had sent the same reports to BBVA Compass by email and it was ignored. I would like for BBVA Compass to take a good look at all 3 credit reports and let me know what you see. The account is not reporting accurately and it should had been stopped in XX/XX/XXXX when the account was sold. I had filed a dispute and the dispute took more then 30 days. The Account should had been removed from all credit reports. If you have any question please let me know. I hope and pray that you would have compassion and see that my credit reports been misused. It is only fair that the account be removed.

BBVA Compass had said many times in other complaints and emails that they don't have any records of BBVA Compass reporting the negative account on their system. That is why they can not send me copies of the records of when BBVA Compass reported the negative account in Jan through XX/XX/XXXX. It is my word against BBVA Compass because I got the proof of the misused of credit reports. Why deny it? All my complaints that I had filed. BBVA Compass is avoiding my complaints regarding the issue..

3. Because the account is in my name that I did not apply personally online for the consumer credit under a faults income ie Business Projection Income of {$100000.00} to start a business that was less a year old. My income yearly {$10000.00} XXXX  XXXX. BBVA Compass knew that. BBVA Compass business partner XXXX XXXX  goes online five days a week filling out personal credit application for clients with many banks. If approved BBVA Compass has another costumer. I got proof. All of that should be against the law.

PS I had requested the contact info to the collection manager and it was refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX XXXX and CAPITAL ONE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX and CAPITAL ONE with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: Fedloan Help
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
CFPB, I recently followed-up on my initial case to check the status ( Complaint number XXXX ). I was advised that the XXXX XXXX XXXX XXXX company responded, saying that they do not service private loans. Per the instructions of the representative I spoke with, I am submitting another complaint to clarify that I was not referencing any private loan, only the federal loans I have with the company. Please let me know if there is any other information I can provide to complete this investigation. 

Thank You XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-06-23
Company: Midwest Recovery Systems
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
This company called me in XX/XX/2018 saying I owed a payday loan in the amount of XXXX dollars which was supposed to been an electronic check with XXXX   XXXX that I never even had a checking account thru went to the bank and had the lady in the office pull up my name never had a checking account they then just a saving for a car loan and the lady even called midwest and talked to XXXX and told her I have never had and a checking account they then and never owed any money to them .XXXX was very rude would not give the bank lady any information and hung up on her .I am not paying for something i don't owe and an turning this over for XXXX to be investigated along with that company.She said she sent me stuff to and address i have not lived at for over 9 years.what a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17
Company: DISCOVER BANK
State: MI
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:
Discover issued me a Credit Card account with an initial {$8000.00} credit limit. 
I was the victim of Identity Theft resulting in unauthorized charges on my account. 
I cooperated with all members of the Fraud and Security Division of Discover, did everything I was told, received multiple letters from Discover, including their President and CEO XXXX XXXX that I had no role in the unauthorized charges, I was a cardholder in good standing and my account would continue. 

The sole call I have ever received from Discover was from a woman supervisor in the Fraud and Security Unit defaming me and she and two of her team members told me because of my religion, I am an observant XXXX, they would honor a charge of over {$3600.00} that is clearly fraudulent, and would take all steps they could to destroy my financial credit status as " XXXX People have to much success in accumulation of assets ''. 

I have contacted Discover and requested they informally correct this violation of the Constitution and State and Federal Law with no results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed the XXXX XXXX account XXXX with all 3 Credit Reporting agencies they updated I accurate information noting that the furnished of the information Guaranteed that the information was accurate. The FCRA says that these companies must do an independent investigation not jut take the furnishers word for it .they are willfully violating the FCRA an also my rights they have the proof that this account is not accurate but in fact erroneous an should be deleted according to federal consumer protection laws .this account has been reporting in error since it opened with the creditor breaching the contract with an unscheduled monthly payment before payments were scheduled to begain.

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 2018-11-19
Company: Jonathan Neil & Associates, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The main reasons for my complaint are described in the fourth and fifth paragraphs below. 

On XX/XX/2018, I received a letter, dated XX/XX/18, from Jonathan Neil & Associates , Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX CA XXXX, telling me I had seven business days to respond to the letter or they " may request SUSPENSION OF YOUR DRIVER 'S LICENSE, and also REMOVAL OF YOUR VEHICLE LICENSE PLATE REGISTRATION .... '' The letter also indicated an auto-insurer 's claim number and an amount of damages. The contact person listed was XXXX XXXX, at extension XXXX. The letter I received concerns an automobile accident in which I was involved in XXXX of this year. The matter was resolved by my auto-insurance company. I do not owe any money to anyone from this incident. 

Later on XX/XX/XXXX I faxed a copy of the letter to my auto-insurance company. On Monday, XX/XX/XXXX, my insurance company emailed me a copy of a letter that they had faxed and mailed to Jonathan Neil & Associates asking them not to contact me anymore and to contact them if they continued to have any concerns. 

Also on XX/XX/XXXX, I received a voicemail at my home at XXXX XXXX   from XXXX XXXX telling me it was " imperative '' that I call him before the end of the day about an important matter. The number he left for me to call was XXXX, extension XXXX. 

The main reason for my complaint is that also on XX/XX/XXXX I received  an email from my elderly mother-in-law who lives on the opposite side of the country from me. In that email and a subsequent phone call, she told me she had been awakened from a nap by a phone call from a man who I assume was Mr. XXXX, asking to speak with me. She said I wasn't there. He asked her for my cell-phone number. She said she didn't have it. When she asked him what the call was about, he said it was a " private '' or " personal '' matter. ( She's not sure which of those words he used. ) He asked her to tell me to call him " today. '' She doesn't have the name of the person who called, but the number and extension he left with her match those of XXXX XXXX that were left on my home voicemail that day. 

I do not know how Mr. XXXX found a connection between me and my mother-in-law and then found her phone number, but I assume it was through some internet sleuthing. I am furious that he called her at all, and that he disturbed her rest, and that he caused her worry. She had no knowledge of the incident about which he was trying to contact me. He never should have contacted her. 

To top it off, on XX/XX/XXXX I received another letter from Mr. XXXX, dated XX/XX/18, identical to the one he sent on XX/XX/XXXX and containing the same threats about my driver 's license and license plates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IN
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 an account with BMO Harris Bank on XX/XX/XXXX using promo code XXXX. 
I decided to open this account for two reasons : it offered XXXX monthly maintenance fees, and a {$200.00} bonus payable approximately 120 days from account opening if the terms were met. 
The terms were : Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$500.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. 
AND Have at least 10 debit card purchases made with your BMO Harris Bank Debit Mastercard post to your account within 90 days of account opening. 
I met both of these requirements in the first 90 days. 

I waited well past the 120 day mark, which would have been XX/XX/XXXX, to call into customer service to find out why my bonus had not been credited. 
I first emailed, but was told I had to call, so I called and spoke with a XXXX on XX/XX/XXXX. The call lasted approximately half an hour. XXXX put me on hold several times to speak to their marketing department. 

She explained that my deposits came through XXXX, which caused an issue. Their system was recognizing it as a transfer, not a deposit. I explained to XXXX that I do freelance work and that is how I get paid. My paycheck comes through XXXX, and that is my ONLY option for getting paid. 
Also, when I lived in Alabama several years ago, I opened a checking account with XXXX XXXX and they also offered a bonus at that time. I also did freelance work then and was paid through XXXX. I received their bonus with no problem. 

So XXXX stated she would forward that information on to Marketing and if they needed to verify my earnings, they would contact me. She told me bonuses are credited every Wednesday. Well, I did not receive the bonus last Wednesday, XX/XX/XXXX, or today, XX/XX/XXXX. No one from customer service has contacted me for additional information. 

I am not calling in again to waste another half hour on the phone and get no answers. 

If BMO is advertising a bonus, they should honor it. I met ALL the qualifications. 
If BMO does not count funds deposited from XXXX as a qualifying deposit, they should mention this in their terms and conditions for the offer. As this is not explicitly stated in the terms, I expect this bonus to be honored. 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 monetary relief