BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-03
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have had an account with Discover since 2008, and in that time frame I have never missed a payment by more than a few days. Due to unfortunate circumstances ( a school bus hit my townhome ) I found myself the day before closing on a new house and was told I had a 30-day late payment on my credit report. To my surprise they told me it was my Discover card, that I had no idea was late. I am set-up for paperless billing and I had not received a statement, payment due notification, late statement, etc. I reached out to them to explain the circumstance and they claimed I received emails. Additionally the way Discover has set up their online portal if you miss a payment the payment due date doesn't change to " Past Due '' it changes to the next month 's due date, so even after I knew it was late I logged in and had no idea as it was not indicated in my due date. I feel like this is a very deceptive act and is built in a way for Discover to profit on late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently filed a complaint against Bank of America. While they did respond to my complaint via telephone onXX/XX/XXXX today in the mail I received an application for a modification for my loan. Which I did not request. This is the third time I have attempted to get my file and forensic accounting of my mortgage with Bank of America and this is the third time they have sent me wrong information. They have sent me lOan modifications when I asked For forensic accounting of my loan. They also onece sent me Notice that they could no longer do automatic payments because I declared bankruptcy which I never did. This is an ongoing problem. I want a forensic accounting by Bank of America in regards to my mortgage and I want all correspondence and a copy of my mortgage file they hold. I stated this on the phone call with the representative and then I get a request in the mail from them for financials due to my requesting a home modification which I never requested

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 2020-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2021-02-28
Company: I.C. System, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by I.C. System, INC. about a medical debt from XXXX XXXX. On XX/XX/XXXX I went on their website and payed the entire balance listed, Which was {$600.00} by ECheck. Listed at the bottom of the confirmation page was the following statement " Once your payment is successfully processed, your account owing to XXXX XXXX will be listed in our records with {$0.00} balance ''. That amount was taken from my bank account on XX/XX/XXXX. This debt was paid off in full yet I am still receiving settlement letters. I received a settlement letter on XX/XX/XXXX and again on XX/XX/XXXX. Both letters list the balance as {$2600.00}. I am not sure why I am continuously being sent letters that claim I owe a large amount of money even though I have paid this debt. I have attached : the confirmation page on the I.C. System website that shows my payment in full, my bank statement showing I.C. System withdrawing {$600.00}, and both settlement letters I received in the mail. I assumed that the settlement letter I received four months later was a mistake so I did nothing about it. But now having received another one, I know that they are trying to scam 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 2019-05-03
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2019 I went into a SunTrust branch to open an Advantage Checking account. This was after I received targeted advertising on XXXX about a {$250.00} bonus for opening checking account and satisfying the requirements. I requested a code to my email and opened the checking account successfully with that code. 

I was in the process of setting up my direct deposits to this account when I receieved an email from SunTrust offers saying " Thank you for your recent enrollment into the SunTrust Advantage Checking Offer XX/XX/2019. Based on our verification process, your account is not eligible to participate in this offer based on the reason below : To be eligible to participate in this promotion, clients must be U.S. Residents with a U.S. address and a valid U.S. taxpayer ID number. '' During the entire time in branch I was never told that the promotion does not apply to me although I do reside in U.S. with a valid address and possess a valid social security number. My status is a U.S. residents for tax purposes, having met the substantial presence test. I think SunTrust is pulling a bait and switch of sorts : luring foreigners with valid work authorization to open checking accounts with deceptive advertisements then denying the incentives afterwards. Now I am stuck with an account that I can not get out of and no bonus to soften my ordeal.

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 2019-05-03
Company: REGIONS FINANCIAL CORPORATION
State: TX
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 bought a car from driver select on XX/XX/2019. The finance bank that was use was regions bank. As of now XX/XX/2019 they have not reported the loan to my credit or payments that i uave made 3 so far on XXXX, XXXX and XXXX. I contanted them on XX/XX/XXXX about they having the wrong social security at a branch in XXXX in XXXX XXXX XXXX in XXXX texas, the branch manager asked for a copy of my drivers license and social security card which was provided on XX/XX/XXXX. They asked me to give it about 10 days for the loan to show on my credit. However nothing happened. I went to the branch again around XX/XX/XXXX and spoke with XXXX XXXX which told me that it will take another 30-45 days to have loan reported to the credit bureau. I Also received a call from an agent from regions bank on XX/XX/XXXX advising me that the credit update will happen this month in XXXX. However nothing has happened yet. I spoke with XXXX XXXX again today which advised me that XXXX XXXX was supposed to be working on issue and getting corrected and was suppose to call me back. I haven't receive any call yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
Company: Loantopia
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I had ACH debit set up for this loan. I have been paying regularly without issue. I contacted about refinancing the very high, predatory rate. The customer service representative states I can not speak to anyone about refinance and early pay off was not an option. I asked they stop my ACH withdrawals. He hung up on me. My next due date the ACH payment was taken out. I called back and stated I wanted an early payoff. I was going to refinance with another company. I was made to hold for extraordinarily long time. Again ACH debited. I finally sent an email explicitly stating I was contacting this entity and they no longer had permission to access my account. The ACH stopped. They began to call my work place. I asked it stopped. It did not until I threatened legal action. They are aggressive, predatory lenders who bully and harass people. I have no issue getting back on track but now they have forwarded me to the legal dept and charged fees. I have used multiple online lenders without issue. This company is overly aggressive.

Company response to consumer: Untimely response
Consumer complaint received 2020-05-02
Company: AMERICAN EXPRESS COMPANY
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:
To Whom It May concern, I was trying to add my cousin as an authorized user as an authorized user on my american express card they had no problem with it but told me XXXX put a credit card freeze or fraud alert past few days i been trying to call XXXX   for hours. When i finally got to a spot where it asked me press 2 if u want to talk about removing any freeze or fraud alert when i clocked # it said it responded back that I got it and couldnt do anything and wasn't able to get a live person. I just want XXXX  to take off anything they have frozen on my account and confirm that with me and american express as soon as possible. I'm look at XXXX  online and they have all my numbers and everything. American express is just waiting on experian to confirm I am me. I was told I can call experian which I've done over 100x. I will put my id in here so hopefully this all gets fixed today but if someone can call me to validate this is all taken care of would mean a lot to me. I know a lot going on with corona virus. Just looking to resolve this mix up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: Experian Information Solutions 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:
I have been a victim of identity theft.

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 2015-09-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Due to internal system errors, Wells Fargo Mortgage Corporation has been wrongfully reported delinquencies on my mortgage account for the last XXXX months, even though our mortgage payments are paid automatically from our XXXX bank account for the last XXXX years, and we have never been late with our mortgage payments. We 've been contacting Wells Fargo 's customer service and they keep delaying the correction process because of their investigations of their internal issue. My credit report was perfect before this Wells Fargo 's errors, but the current bad credit reports resulting from this error has been preventing me from financing a new home or renting a house.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
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:
Debt validation request was sent onXX/XX/XXXX to credit collection agency to provide signature/contract and other documentation that would validate this alleged debt as mine. Received a response from the collection agency onXX/XX/XXXX that did not validate this debt or send any type of documentation to fully support their claim that the alleged debt owed is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: R.M. Galicia, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt was a XXXX XXXX claim it happened on the job. The debt belongs to XXXX XXXX. This is not my debt! I have told all the people involved yet they are still trying to come after me for the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORT ON BOTH OF MY XXXX XXXX XXXX   ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

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 2019-05-03
Company: EQUIFAX, 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 status incorrect

Complaint:
Contacted " XXXX XXXX XXXX '' on CFPB and they seem to think that their late marks on my credit report are correct. They stated that they received my Bankruptcy notice in XX/XX/2017. I filed in XX/XX/2017 so the late marks are irrelevant. They need to remove them. They stated that I have to file a complaint with one of the 3 major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: AES/PHEAA
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hi, I've worked for a XXXX agency that is part of student loan forgiveness. 
I've applied for PSLF and TEPSLF and have been denied despite my 10+ years of service and more than 120 payments. They ( fedloan ) are saying that I have payments " out of window '' or over the amount needed and therefor do not count for PSLF/TEPSLF I've submitted paper work to fedloan several times showing that I've worked for the 10+ years and I have 89 payments ineligible under PSLF and 116 under TEPSLF. This ineligible amount varies as the loan is split up into micro loans, it used to be one now its split up into twenty plus loans ranging in value. When contacting fedloan I try to get help but I ask a lot of questions ; and the agent gives up on me and eventually hangs up which leaves me no where after being on the phone for hours. I did get some information that my service has flipped hands many times. It went from XXXX XXXX XXXX, to XXXX, to XXXX, to FedLoan. Who knows what was lost in those transactions between services. I'm trying to get FedLoan to work with me on this issue to no avail after many attempts to have them " review '' my account they tell me to call back in 60 days only to have no record of these actions under a fake case number that was given over the phone. This has happened to me three times now no reviews have been done about these pending missing payments that show on fedloan side. I've tried to work with other agents via fedloan to figure out the missing payments and the math doesn't add up to why I haven't been granted TEPSLF. Any help is greatly appreciated. 

Much obliged,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-02
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Greetings, I have opened a checking bank account with chase, all have been good until I lost my debit card, the pin number was on the card on the white paper. I didn't realize it until a XXXX dollars were withdrawl from the bank. I recieved a fraud message and I immediatly replied that I didn't do it. They opened a claim, it was denied. I contacted them several times, they stated that I had done it. They even closed my account so I wouldn't call anymore. I need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Fay Servicing, LLC
State: NM
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have tried to call in and get my late fee waived, which has never been done. Every operator is a foreigner who barely speaks english, and hang up on me several times. They never take care of the request for the late payment taken off, and only because I get frustrated, they treat me bad, and refuse the request because they don't like me.

They waive many other peoples late fees, but my late fee has never been waived, and they discriminate against me, when they let other people pay late with no fee and refuse to treat me in the same manner.

It is impossible to talk to people who do not speak english, and always hang up on me. It is impossible for me to get fair treatment. 

My late fee should be waived if others are waived. It is discrimination to not do so. All the operators do is hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I made a {$2000.00} check deposit. BOA put a hold on my deposit until XX/XX/XXXX. I have verified that BOA took the money out of XXXX XXXX  on XX/XX/XXXX. Why do I have to wait 7 business days for a check that BOA have already received.

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 2018-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Letters sent out to the bureaus and nothing changed : XXXX XXXX   {$110000.00} XXXX XXXX XXXX : $ NO INFO

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 2018-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
My credit report is showing XXXX XXXX account XXXX was past due several times in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX.The loan was paid and never was late .The information is incorrect.

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 2021-09-15
Company: Lakeland Recovery Solutions
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have received daily telephone calls from a company called LLR ( i.e. Lakeland Recovery Services in XXXX, CA ) threating to litigate a past due debt. Voice messages left do not comply with the Fair Debt Collections Practices Act as they do not leave their company name and threatens legal action if I do not call them back. I have retained such voice mails. More concerning is their attempts to contact extended family members and past employers, including my sisters husband. When I called the company on XX/XX/15, they informed me they are attempting to collect a debt from an online payday loan and did not have to comply with the FDCPR because they were a " mediator ''. This is false since they are collecting the debt and will accept payment of said debt directly. I have informed the company to cease and desist any further communication with associates, employers, family members and others. In addition, I have asked them to provide me written documentation of said debt since no one at the company has ever sent me anything in writing, either via email or regular mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Capital one credit card is reflecting negative on my credit report. They have sent me several of letters stating that they would not put it on my XXXX XXXX credit report. I have disputed several Times in they continue to not remove my credit report. I have sent the letter in more than once. It is only reflecting a late payment. I have requested several times for to be off my credit report to one will not provide me detail information regarding this account. They just recently added it on my XXXX  credit report. The credit report does not have any detail information regarding this account. I am requesting XXXX remove this from my credit report. I also would like to have Capital one, XXXX, and XXXX validate the account or remove it from my credit report. Both account entails something different on both account. Please provide the FTC the letter that states that Capital One has agreed to remove from my credit report. The late payment reflects that it will be removed from my report this year.

Company response to consumer: Closed with explanation