BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-03
Company: WELLS FARGO & COMPANY
State: WI
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:
We had a balance of {$660.00}. We accidentally made two payments totaling {$1000.00}, which was over the balance owed. We noticed immediately and were unable to cancel the payment online. We called and they told us they would issue the overage ( {$330.00} ) back to our bank account in 7-14 days. They next day, they charged us {$160.00}, which was our previously scheduled monthly payment ( account was paid off, we shouldn't have been charged anything after that and they said that we would not, now that our account was paid in full. ) We contacted them again and were told that they were so sorry and now they owed us {$500.00} within the next 7-14 days. ) After that time frame passed and we did not receive the funds back, we contacted them again, they apologized and said it would actually be up to 45 days and the previous reps didn't know what they were talking about. They said we would receive the {$500.00} back by XX/XX/XXXX at the latest. We confirmed - AGAIN, that no more funds would be taken out and that we would receive the funds back by XX/XX/XXXX. They assured us 100 %. In the meantime, they took out another payment of {$160.00} on XX/XX/XXXX. This brought the total owed to us from Wells Fargo to $ XXXX.We contacted them immediately and they apologized profusely and said they would " rush '' the refund on the XX/XX/XXXX payment and we would receive it in a few days. We did not. This time we waited for XX/XX/XXXX to roll around. When we did not receive anything back from Wells Fargo, we contacted them on XX/XX/XXXX. They apologized again and said that everyone else we spoke with previously was wrong and it could actually be 60 days before we would receive anything back. They did not know or have the ability to answer why they were continuing to charge us even though we had satisfied the total account balance ( + {$660.00} ). They  continue to debit money while lying about when we will receive our refund. We are now 48 days out from the original complaint and have still haven't received any refunds of the money they have taken from us after our account was satisfied and without our consent.

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 2019-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My credit score just dropped without cause. My accounts have not changed, my inquiries have not changed, my payments have been made in full, and the only payment I do have is on time every time. Yet my score went from a XXXX to a XXXX. There is nothing derogatory that has happened that would have prompted such a drastic change in my score other than my recent complaint to XXXX for its unethical scoring!

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 2019-07-07
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/XXXX, Synchrony Bank sent me an email about my credit card saying, " We noticed that after we sent you a new Sam 's Club Mastercard last year, you continued to use your old card. This new card replaces your old Sam 's Club Mastercard. The old card will be deactivated soon and you will no longer be able to make purchases on it. '' When I rec 'd a new card ( expires XX/XX/XXXX ) I cut up my old card. So I obviously wasn't using it, so this email immediately made me nervous, believing someone was using my account with the old expiration date/security code from rear of the card. 

I called Synchrony Bank, spent way too long getting past their automated answering system, which said they were experiencing long wait times. ( To me that means they either did something that caused a lot of their customers to call in or they are understaffed. 

When I finally got a real person ( who obviously did not speak XXXX as his native language ), repeated all the info I had already given the automated system ( Seems like the purpose of the system asking is to keep you distracted so you don't realize how long you have been waiting ) and told him the purpose of my call, he said no one was using my old card, Synchrony Bank had sent this email to ALL their credit card customers! 

I told him that was unacceptable to think it was ok to send a bogus email containg lies to customers that makes them think someone is using their credit card w/o authorization and I may as well be doing business with Wells Fargo. 

I asked for the name & contact info of the gov't agency overseeing banks & credit cards but he wouldn't. When I said it was the FTC & I would look it up, he suddenly " remembered '' & gave me the phone number. 

Does the FTC allow banks to send such lying emails to credit card customers?

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 2018-01-25
Company: CITIBANK, N.A.
State: AZ
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:
I have the XXXX Citi Business card. I had to pay for refrigerator repair for my business on XXXX/XXXX/XXXX. That cost {$700.00}. Refrigerator worked fine the few times we used it in XXXX and we took a break in XXXX for wedding and honeymoon. In early, XXXX I contacted the frig repair company since the problem came back and I ca n't run my business without proper working equipment. Company came out and charged {$120.00} for a diagnostic fee on XXXX/XXXX/XXXX. They order parts and completed the work on XXXX/XXXX/XXXX for another cost of {$1000.00}. The total I paid this company is {$1800.00} and in early XXXX the frig went out again. I ended up purchasing a new unit for {$2800.00}. I contacted Citi to dispute the charges on XXXX/XXXX/XXXX they gave the business owner until XXXX XXXX to respond. Fortunately they responded sooner, I provided my a letter stating that the repairs were inadequate. They told Citi bank that they have a 90 day warranty, but the company told me they have a 30 day warranty. I 'm being taken advantaged of by this company and Citi bank did nothing to resolve it. They sent me a letter stating the merchant did n't want to refund me so the dispute is resolved. Citi rep was also telling me that the time it took me to dispute exceeded the allowable time, but it only took this long because they gave 3 months to respond to the dispute.

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 2019-07-07
Company: Cedars Business Services, LLC
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: Account status incorrect

Complaint:
Cedar Financial is a collection agency for XXXX University. XXXX is claiming I owe them tuition on classes I had dropped because of two primary issues. One reason was because of the fact that I was a resident of XXXX and was enrolled in a program at the school even though the XXXX XXXX XXXX   no longer allowed students to enroll because of accreditation issue. XXXX failed to notify me that XXXX was no longer allowing XXXX to admit students from XXXX. I would not have taken classes there had I know there was an issue with the accreditation. I am also a XXXX with XXXX because of my military service and notified my advisor that I was experiencing difficulties with focus and needed to drop my classes. I was advised that I could do so and that charges for that term were covered either by student loans or would be refunded. Despite this, I was charged for tuition despite having dropped classes and disenrolled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: N26 Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with an online bank, N26, who is managed by XXXX XXXX. This entity froze my account because they had a issue with me getting daily deposits from my gig job. I work as an XXXX XXXX for XXXX, a smartphone app that allows you to work doing handyman services. I have emailed and cooperated with N26 by showing proof of my identity and proof that I do work for this company. I do not understand why it is their business to know this, but I have cooperated. They are holding my money to where I can not take care of my family and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Experian Information Solutions Inc.
State: IL
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2021-04-13
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: Account information incorrect

Complaint:
XXXX loan balance is inaccurate, i have attempted multiple times to contact the lender to request more verification for the balance that was charged off. I have not received any response from them.

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 2021-04-13
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 information incorrect

Complaint:
XXXX loan balance is inaccurate, i have attempted multiple times to contact the lender to request more verification for the balance that was charged off. I have not received any response from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Tried to get my free report from all three companies. XXXX XXXX XXXX were no problem. TransUnion would not let me see my report because the incorrect information in their file results in my answers to their " identity verification '' questions disagreeing with their erroneous data. A phone call basically resulted in a sales pitch for multiple services, none of which I need or want. I want to correct the info but they wo n't let me see my report! Examples : 1 ) What model year is your XXXX? I do n't even OWN a XXXX! 
2 ) What county have you lived in? My answer was " none of the above '' because none of the counties applied to me! 
There were a few others, the reult of which was I failed to prove who I was. I want to correct the data but I need to SEE it and they refused. This is unacceptable! 
Thank you for listening!

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 2018-01-25
Company: Bread Financial Holdings, Inc.
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:
There was a charge I my account for a purchase I did not make. When I bought the furniture there was a grace period of being interest free. During the dispute process I was told not to make payments as the exact amount of the furniture was now in question. While his was being disputed the grace period ended. I was not informed that the graces. Period would continue while this was in dispute. As a result the credit card company kept charging me finance charges, interest and late fees which is now more than doubling the amount of my furniture. I paid off the amount t of the furniture and the late fees and interest herded and finance charges continue to rack up. I have tried for 2 years to resolve this with the company unsuccessfully and his had dramatically affected my credit. I have now lost my job and because of the affect on my credit I can not apply for loans.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-25
Company: Owl Automotive Group, Inc.
State: FL
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:
I, XXXX XXXX, social security ending XXXX, purchased a XXXX   XXXX XXXX, 4 door XXXX with XXXX interior, Vin # XXXX, on XX/XX/XXXX from Owl Automotive Group. The financed it through Owl Auto Finance which is owned by the same man, XXXX XXXX. 

On XX/XX/XXXX, the same vehicle as described above was repossessed by Owl Auto Finance. Approximately a week or two later, I was told that XXXX XXXX, who is manager of Owl Automotive Group and Owl Auto Finance, was jumping up and down bragging while smiling and laughing in the front office in front of customers and staff members saying " ha, ha, I just repossessed my old bosses ex-girlfriend, XXXX XXXX 's car. '' I was also told later that she was telling more people/several customers on different occasions that she repossessed XXXX XXXX 's vehicle! 

I have since later heard this is a third party disclosure for companies that operate in this capacity. I am writing this complaint to you because I do not think this should happen to me or anyone else. I was very embarrassed and this is an extremely private matter. After receiving this complaint, I would please ask that you advise me on actions that I should take and you should take. 

I thank you in advance for your prompt attention in this matter and I look forward to your immediate response. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Experian Information Solutions Inc.
State: NY
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 mailed Experian a signed letter dated XX/XX/17 asking for a review of 3 suspicious items on my credit report. 

They sent me back a letter stating that they believe my letter to them was " suspicious '' and a possible case of identity theft so they will disregard it and deem all future mail correspondence from me as suspicious. They basically made it very clear that they will ignore any contact from me by mail and directed me to submit my disputes by phone or website requests only. 

I do n't think it 's lawful to prevent me from corresponding by mail and limit me to phone and website contact. I prefer to have a written paper record when engaging in business matters. I clearly identified myself to them and presented all pertinent identification data ( DOB, SS #, Address, Account numbers ) so I do n't agree with their determination. 

I responded to them by mail and am awaiting an answer. I also informed them that I filed a complaint with the Consumer Financial Protection Bureau. 

Please Please help 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 2019-07-07
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with Bayview loan servicing for months to modify a previous loan modification that I was late for one payment. I have filed a complaint with the CPFB over this issue. I was denied due to a rule that I can not have another modification within a 12 month period. The anniversary date for the modification in question is XX/XX/XXXX. I was a denied for the last application on XX/XX/XXXX, one day from the anniversary date of the last approval. I have supplied Bayview all proofs that they have requested pertaining to reason that I was late on the last payment, that I am current employed with a better paying job, and that I am receiving rent from them non-owner occupied side of the XXXX. I am requesting that Bayview give me proper consideration of my situation, and that timeframe that I am making my request for a new modification per their rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
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 sent XXXX  several letters for years. I recently sent them certified letters on XXXX XXXX, 2019 ; XX/XX/2019 ; and XX/XX/2019. I sent letters disputing an account for Bank of America that does not belong to me. I asked them on many occasions to investigate this account. They all come back with, this account is verified to belong to you. I have asked for proof and method of verification done in this process but was never done. 

I have never had an account with Bank of America nor have applied. 

At this point, I am tired of asking them to comply and do their job. I need assistance in this matter.

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 2018-01-25
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX 2017 {$130.00} XXXX XXXX XXXX XXXX Sent a letter in the mail to my grandmothers address attempting to resolve a debt that DOES NOT BELONG TO ME! Ive been victim of ID Theft and have a similar name as my father and grandfather that Im estranged from. Remove this and the harassing calls ASAP!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
People keep calling saying they are from a law firm and they say they are going to prosecute me for theft by misrepresentation if I dont pay them but they will not provide documents or proof of the claim. They keep threatening to come to my job and serve my boss. They say its for ace cash. I did use ace cash about 4-5 years ago but I payed it in full. I feel this is either a scam or not lawful. Thanks Here is the number that they called from today. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My dispute is with Transunion Credit Bureau. After one single accidental maximum delinquency of greater than 60 days, my credit score is falling recurrently every month despite payment made in full to the creditor. 

I anticipated a steep drop in my credit score over 1 month since it was a single account delinquency that was paid in full. Transunion Credit Bureau has recurrently dropped my credit score despite complete payment. I have no outstanding debt to justify a recurrent monthly drop in credit score. 

I received an investigation report from Transunion Credit Bureau on the XXXX XX/XX/2019 - File Number XXXX. The company did not solve the issue and my credit score has dropped to almost poor from near excellent despite complete payment. 

Transunion Credit Bureau has no basis to drop my score every month. I have no outstanding debts with any creditor.

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