BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-30
Company: Sa-Vit Enterprises, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ask with something bearing my signature from this company

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 2021-10-16
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The evening of XX/XX/2021 I used a XXXX XXXX ATM to deposit cash I had taken out to buy a lawn mower private party, but the deal fell apart. Anyway I withdrew {$5000.00} that day and because I didnt buy the lawn mower I wanted to put the money back in my account as soon as possible. The ATM was # XXXX the time on the ATM receipt is XXXX. ATM location XXXX XXXX XXXX, XXXX WI. Ive used this ATM before because its less than a mile from my house and Ive used it to deposit cash before and as many as 40 bills as the machine advertises it can handle. I counted 40 XXXX bills and proceeded to deposit them in the ATM the ATM began counting the bills and once it got to 9 it stopped and presented an error message stating it would basically be not returning my deposit and that I should contact my financial institution for support. A little after this message presented itself on the screen the ATM printed a receipt and gave me my card back. For the next 4-5 minutes I sat there stunned listening to the ATM gears turning inside the machine and the ATM was unusable. Eventually the ATM became usable again so I decided to deposit the remaining {$1000.00}. This would allow me to check if my {$4000.00} was stuck in the deposit slot as well as confirm I deposited 40 XXXX bills and not 38 or 39. The second deposit went through without issues. This confirms I counted correctly and proves the first deposit had 40 bills. I have contacted BMO Harris bank and do have an open investigation with them, but this is ridiculous and I cant believe this can happen. If this happens to more people I want it documented.

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 2020-04-30
Company: AES/PHEAA
State: RI
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:
These reports of FEDLOAN are all inaccurate due to the fact that the late remarks started LATE 90 DAYS right after a good payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was struggling to make payment for beginning in 2019. I contacted Prime Lending ( mortgage company ). When I spoke to the loan modification officer, about my options : they asked if I wanted to keep my home. I responded Yes, absolutely. The loan modification officer recommended a Loan Modification-and immediately sent me a package to fill out. The taskings forms and time required to submit this package to approximately 1-moth to complete. This process began XXXX, then the completed package was sent out XXXX, via fax. They informed us that I needed to have been behind at least 1-month late on my mortgage payment at time of review-which I was. After numerous calls, request for additional information ( 2-month after initial fax ), time and energy spent to make sure all the details were covered / over 16 hours of labor. finally the results were received on XXXX. We received the mortgage company 's results, a simple letter ... Not approved for loan modification. The only two Options I qualified for were " Short Sale '' and a DEED in Lieu of foreclosure. '' I am a XXXX veteran only requesting a loan modifications and was instead offered foreclosures? This is completely unimaginable after 5-months of dealing with this company ( Prime Lending ).

Company response to consumer: Untimely response
Consumer complaint received 2020-04-30
Company: I.C. System, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following accounts be verified or removed immediately :

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 2018-01-14
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I opened an account with Barclay 's Bank Delaware and the account was closed on XX/XX/XXXX, A derogatory remark was made on my credit report XXXX, XXXX, XXXX, stating that this account has a balance of {$2500.00}, and also that I have late payments XX/XX/XXXX of 120 days late I can not understand how this can be possible is the account was closed in XX/XX/XXXX and how can any account be reporting late for 120 days for 3 consecutive months? Also I did have an account here but my balance has never been {$2500.00}, I do n't understand how they can add {$1000.00} plus dollars to my account, please help me I have contacted this company many times I would like to address these issues by either paying what i truly owe them or get this negative remark removed from my credit report.

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 2019-06-24
Company: EQUIFAX, INC.
State: OH
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 requested METHOD OF VALIDATION from Equifax, XXXX, XXXX for the following accounts and never received the requested information only automated VERIFICATION from an e-Oscar system. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX/XXXX  XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX Exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to  determine the accuracy and completeness of the information shall be provide to the customer by the agency, including the business name and telephone number of the furnisher. 

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy of the completeness of the information. 

Name, address, and telephone numbers of each person contacted regarding this alleged account VALIDATED, VERFICATION AND HISTORY OF THESE ACCOUNTS. 

I requested this information since and XX/XX/2019 and I have certified delivered mail to prove it. Not to mention it has been over 30 days since this request. " NO REAL INVESTIGATION TOOK PLACE ON THESE ACCOUNTS. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have reviewed my credit report and found wrong, inaccurate fraudulent accounts on my report.

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 2020-04-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have reviewed my credit report and found wrong, inaccurate fraudulent accounts on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
I had cashed out on XXXX  XXXX  for the amount of {$490.00} on XXXX at XXXX, was supposed to be sent to my Bank of America checking account and I never received the funds, Bank of America says they cant help me and to contact XXXX XXXX. XXXX XXXX send me the transaction summery and says that they sent it to my account and Bank of America has my funds.

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 2018-01-14
Company: BMW Financial Services NA, LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, i bought a XXXX XXXX XXXX in XXXX XXXX. They collected first and last payment and the salesman signed me up for automatic debiting from my checking in order to save 0.025 % interest. After accepting this offer, i received a notice of 30 day payment delinquency the next month after i bought this car. XXXX XXXX said the salesmen never submitted my auto debit and was charged a non payment credit hit. I am desperately trying to payoff debt, raise my score back up in order to get purchase my second home but this is stopping my dreams from happening. Please help!!

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 2019-06-24
Company: First Advantage LNS Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NCAC Has placed a debt on my credit report of XXXX. I have never lived at this address, I do not know the person that it states I am on the account with and the address never appears on my credit reports. XXXX  will not let me dispute this again, i keep trying to have it removed from my credit report and would like this addressed. 

The other name listed on the debt, I have never met this person and have lived in another state for the entire length of time that this debt is claimed to have been mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: CITIBANK, N.A.
State: MD
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021, my Mastercard account was charged for a XXXX delivery in XXXX NY that I did not accept and did not authorize. I disputed the charge through the normal process. I explained that I was not in XXXX on the referenced date and did not authorize the charge. 

Mastercard sent me a form to fill out and a copy of the receipt for the transaction in the US Mail. It was to be returned NLT XX/XX/2021. I completed the form and mailed it back on XX/XX/2021. 

On XX/XX/2021, Mastercard informed me that based on its investigation of the facts of the case, it had determined that I was responsible for the charge.

There is no way that Mastercard could have received the form I returned to them by US Mail on Monday, XX/XX/XXXX, a postal holiday, by today, Wednesday, XX/XX/XXXX. They never investigated my whereabouts on the date of the delivery ; who accepted it ; whether said person who accepted it has any connection to me. Mastercard 's " investigation '' consisted of nothing more than obtaining a receipt from XXXX for the food that was ordered from XXXX 's. 

Obviously, someone obtained my Mastercard information nefariously and used it to place an order through XXXX fraudulently. I am confident that I am not the only one victimized by this scam.

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 2018-04-26
Company: ACS Education Services
State: PA
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:
I have been making all payments on time but for the last 2 months I have been unable to log in to pay my bill. Website says service unavailable. I'm pretty much at the end of my loan & I can't even log in to see my balance or if I'm getting charged late fees & extra interest all this time. It's very frustrating because I just need to be done with this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been in a battle with Wells Fargo and an on going problem with fraud several since all these data breaches and all these hacks of major companies have surfaced to the public. And I have lost a lot of money and haven't been able to get it back. I have had someone take out almost {$3500.00} out of my account in the past month. I was saving all my tax refund since I didn't get any of the unemployment I was approved for. I don't know if you guys help with that too? I have a major problem there as well, but my tax refund, has basically been taken out and when I got to file a fraud claim, they are trying to close my account then they won't have anything to take responsibility for and I'll just be screwed like I am now. I went to Wells Fargo because of the backing and promise they had to there customer 's. But since the things I've been through, seeing the executive 's being involved in fraud, closing accounts when trying to get problems resolved, they are making the name I had heard from other 's but didn't listen too. I just need help getting back the money that's was there.

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 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Other problem getting your report or credit score

Complaint:
I have previously filed a complaint against Transunion and the other bureaus for REDLINING my credit. My credit has not been reevaluated by the companies in over 2 months. I continue to see a score decrease or no change at all from Transunion. Most recently I have had success removing a high balance of {XXXX} down to {XXXX} on XX/XX/2022. Transunion is stating that the collection is only showing a balance of {XXXX} and no previous high balance. Which means that there was no change to the collection account when there actually was a signifigant change. The remaining {XXXX} is set to be romoved by XXXX XXXX XXXX once the State of Maryland updates. I have no other collection accounts on any of my reports. I have continued to be REDLINED by these 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 non-monetary relief
Consumer complaint received 2020-04-30
Company: Experian Information Solutions Inc.
State: NJ
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 am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-06-24
Company: CCS Financial Services, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent out a DEBT VALIDATION LETTER this company sent me a settlement letter this is NOT a form of validation. This negative impact is stopping me and my son from purchasing a home and i would like for this company to DELETE this account from my credit file.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/XXXX, I applied for a business credit card with Capital One. I was approved pending review. After receiving an email, indicating primary documentation was required to be provided I complied by having to go into a local branch as I was told I could not reply immediately to the email they had sent. Despite the inconvenience, I went into the branch where a simple task of faxing over documents for verification, which I had, took over an hour. The banker initially lied that the fax machine wasn't working. After having to follow up with the banker on XX/XX/XXXX that the fax was received by the right department, I waited 72 hours before contacting the credit card department. The automated response unit upon me calling stated I was approved and that the credit card would be mailed within 10 business days. I chose the option to speak to a rep. to ascertain for how much I was approved. The rep. apologize for the error of the automated system and stated the documentation that I sent was not acceptable despite it being exactly what they requested -- the articles of organization. This has been escalated to the highest possible department and additional documentation was requested to which I have replied. The person in the Office of the President said she exhausted all possible channels and despite me providing two primary forms of documentation consistent with the information provided on the application about my business entity that there was nothing else that she can do. I feel Capital One is discriminating against me and my business. I also filed a complaint with the OCC. Case XXXX. They still have not responded to that and have exceeded 35 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Debt is from XXXX for the amount of roughly {$4100.00} is well outside of the seven year period is also the XXXX same dept as claim # XXXX filed on XXXX XXXX. They're calling mlm my cell with an autodialer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received a promotional offer from Citizens bank. The promotion stated - open a checking account and deposit {$500.00} via direct deposit within 60 days and receive {$200.00}. 

Open a savings account - deposit {$15000.00} and leave on deposit for 3 months receive {$300.00} Open both a checking and savings account receive {$100.00} for a risk of {$600.00}. 

After 5 months after 3 phone calls I received {$200.00} deposit into checking account. 

I called at least 2 more times inquiring about the additional {$400.00}. I was told I didnt qualify for the promotion because I didnt deposit {$500.00} at once. The promotion stated deposit {$500.00} via direct deposit within 60 days. No where did the promotion. Stated at once. 

In addition - I opened both accounts via a Citizens representative who confirmed - deposit {$500.00} over 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: Valley Credit Service, Inc. (OR)
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Over the last few months, since XX/XX/XXXX of 2017, I 've been trying to settle my debt with Valley Credit Service out of XXXX, Or. I 've tried calling a few times and the time that I finally got someone on the phone, they said they had already taken action to sue me for my debt, without giving me a chance to work with them. They then demanded I pay it off to stop legal action. I have never received any written notice for my debt. I was never served a summons to appear. I do n't have anything on paper telling me what my debt is and how much. 
I am now getting letters from lawyers wanting to represent me on my case, even though I have not been aware of any case against me. I have emailed them 3 times and called 3 times and have not gotten a response. I 've even talked to the bank that gave my debt to valley credit. The bank called them as well. 

Would like to know what I can do now about this debt.

Company response to consumer: Closed with monetary relief