BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-29
Company: Resurgent Capital Services L.P.
State: AR
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the LVNV FUNDING LLC still reporting on my credit report in violation of Federal Law. The 3 Credit Bureaus are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account PRONTO.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: UMPQUA HOLDINGS CORPORATION
State: WA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I recently had a 17 mo. CD mature on XX/XX/XXXX. I received a letter informing me of the maturity date sent XX/XX/XXXX.., I received this letter while I was out of town. after returning I saw the notification of maturity but didn't read further to see the notice of automatic roll over to an 18 mo. CD with a new maturity date of XX/XX/XXXX. Today, 1 day after a grace period ended I was looking over my banking mail and read this information, it took my breath away, I was not aware of the automatic roll over policy and was never verbally told this. I now have an unwanted 18 mo. CD with the amount of {$250000.00} at 0.5 % which I never formally signed up for. I am continuing to try and resolve this with the bank but have had little consideration. They will charge me a XXXX penalty to withdraw, I feel like someone stole my money and I'm being held hostage. I feel this automatic roll over policy is very unethical. I had another CD mature with my Credit Union and when it matured they put it in my money market account so I assumed that was how this was handled. I do have other accounts with Umpqua Bank, XXXX XXXX. WA XXXX so the funds could have been moved there. Hoping you can advise me how best to resolve this issue.

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 2018-10-03
Company: Sequium Asset Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company ( Sequium Asset Solutions ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$210.00} with XXXX, XXXX, and XXXX  credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged 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 2019-07-03
Company: Square Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have had an account with Cash App for years and never had an issue up until XXXX. They app unexpectedly closed my account stating I violated their policy which was never explained. In the process of closing my account, I have a cash balance of {$410.00} that has been paid to me by different people which has been withdrawn from their account. Cash App has blocked me from receiving these funds and will not allow me to access my funds. I have went through their verification process twice, I have contacted them via XXXX, In App Support and Emailing and have been receiving automative responses. Please help me receive my funds as this has been a disaster. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: EQUIFAX, INC.
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 recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: CITIBANK, N.A.
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:
A hard inquiry was made by CBNA on my XXXX credit report on XX/XX/21. I had made no requests for credit. I called Citibank credit application desk and they could find no such activity. My last name was incorrectly spelt on the report and the phone number was also incorrect. I have written to both XXXX and to Citibank and await their response hoping that this is thoroughly investigated and the inquiry removed from my report 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 non-monetary relief
Consumer complaint received 2019-03-09
Company: ACS Education Services
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2014, I received a phone call regarding my student loan debt telling me that I need to pay my loan or they would send a report to the credit bureaus damaging my credit. I informed them that when I tried to log onto the ACS Education website to pay my loan, I could not log on. They then took my debit card information to make payment on my loan. 

I was then told that I would be given a new account so I could continue to make payments on this loan. Years later, I learned from my credit report that they already reported me to the credit bureaus as being seriously delinquent on this loan for 150 days despite the fact that I was unable to make payments due to their deletion of my online account. 

When I tried calling them about this, they said that they no longer serviced my loan and would be unable to help me regarding this matter. They are now called Conduent Education Services. 

Furthermore, my credit reports are still showing that I owe money despite having already paid off the loan.

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 2021-09-01
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
BB & T and they say it will not happen until XX/XX/24! Have untrained workers when you get someone on line to transfer you over and over again? Have cashed checks I reported and filed and notarized papers. So many times teller checks, wire checks same with XXXX XXXX that I have to call again. Sent to a scammer called XXXX XXXX aka XXXX  aka XXXX. lives at XXXX XXXX XXXX XXXX , IN XXXX. XXXX notified, I found this is not a Realtor! And a XXXX XXXX, XXXX XXXX XXXX XXXX PA. XXXX. Cashed by these people and sent to a XXXX XXXX there is so much more. Amts : XXXX XXXX XXXX. This is my retirement money! Also left by deceased father. Help I have reported to all agencies, FTC, FDIC, Inspector General, DOJ, FBI- Ic3.org Now, I am receiving death threats by this XXXX XXXX that lives in XXXX XXXX XXXX XXXX XXXX CA. I have a address of XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX & XXXX XXXX XXXX XXXX XXXX, Ca. XXXX and XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA. XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Medical Society Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company ( XXXX XXXX XXXX XXXX ) which I hold no contract with nor have received services from, reported a collection account against my SSN with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged 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 2018-03-05
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
I have a coinbase account and then added their XXXX account for trading my currencies. It has been about a month and I have been locked out of my account with no way to access my funds. Every day that goes by puts me at risk of losing tens of thousands of dollars. I have contacted XXXX/XXXX and they have been no help thus far. I have quite a bit of money invested and would like to access it. 

My case ID with them is : XXXX This is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: Credit Protection Association, L.P.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is NOT MY ACCOUNT. ... to begin with, I dont owe XXXX anything as I was never in a contract with them and havent had their services. That being stated, please provide me with the original signed consumer contract bearing my signature showing what services theyre alleging I received so I can take the original consumer signed contract to my police department. I am not and havent been a XXXX user. 
My local law enforcement is pretty direct when it comes to bringing all of the facts and proof in, when filing a police report so please get that to me ASAP. 
This is also your additional notice ( other than when I called ) of me informing you that this is NOT my account. 

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 explanation
Consumer complaint received 2020-09-08
Company: FC HoldCo LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Flagship Acceptance Corporation is refusing to refund my canceled Gap insurance policy premiums. The loan was paid in full on XXXX. They received check # XXXX in the amount of {$640.00} that was cashed by Flagship on XXXX. 

Flagship claims that they " don't know where the money went '' after they cashed the check, so they are refusing to cut me a check. XXXX XXXX, Client Service Representative at XXXX XXXX XXXX & I sent them a copy of the check on XX/XX/2020, yet they still " don't know where the money went '' and refuse to refund this money which belongs to me. Flagship Acceptance has stolen {$640.00} from me the same as if they had held me up at gunpoint. Isn't this also insurance fraud? The non-English speaking individuals who answer their phones are unwilling to help or find someone at Flagship who is willing to help. I need CFPB to intervene so that I can recover my stolen money.

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 2017-08-03
Company: Experian Information Solutions Inc.
State: MD
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 continuously attempted to work on an issue with XXXX XXXX AKA XXXX over the last few years. Some time ago my identity was compromised by a family member who was living with me for a short while. A number of cards were opened in my name and I even had to go to court to fight this in XXXX XXXX County MD. The judge ultimately was able to dismiss the case because the company could not prove ownership of the account. As with this case, this is the same issue. XXXX XXXX and XXXX are unable to produce a promissory note or a signature from myself stating I opened or signed for this account, this is because it does not exist. I am very frustrated that even after filling out information of fraud and identity theft and sending it to them they have refused to remove this information from my credit report. They have explained that because the card was sent to my address that this substantiates the ownership which I am sure does not fulfill the requirements under federal laws or regulations including but not limited to FCRA or the Fair Debt Collection Practices as I have recieved multiple letters demanding payment.

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 2021-05-21
Company: Santander Consumer USA Holdings Inc.
State: CO
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 have 2 late payments on my account because I attempted to pay it online repeatedly and I kept getting kicked off the site because of technical issues. When i did get thru on XX/XX/2020 and XX/XX/2020 it said that it was accepted but later i was notified that they never received the payment. By the time I was notified that the payment was never recieved io paid it but it resulted in a 30 day late pay. They also never called or sent me a bill in the mail so I had no way of knowing. I have tried repeatedly to have the company remove the late pay history since its effecting my score and wasnt really my fault its just a difficult website. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not my fault. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am having problems with opening checking account online with Bank of America, i am not seeing any problem that may prevent Bank of America approve my online request for opening Core checking account. 

Application numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: EQUIFAX, INC.
State: MD
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 continuously attempted to work on an issue with XXXX XXXX AKA XXXX over the last few years. Some time ago my identity was compromised by a family member who was living with me for a short while. A number of cards were opened in my name and I even had to go to court to fight this in XXXX XXXX County MD. The judge ultimately was able to dismiss the case because the company could not prove ownership of the account. As with this case, this is the same issue. XXXX XXXX and XXXX are unable to produce a promissory note or a signature from myself stating I opened or signed for this account, this is because it does not exist. I am very frustrated that even after filling out information of fraud and identity theft and sending it to them they have refused to remove this information from my credit report. They have explained that because the card was sent to my address that this substantiates the ownership which I am sure does not fulfill the requirements under federal laws or regulations including but not limited to FCRA or the Fair Debt Collection Practices as I have recieved multiple letters demanding payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: National Credit Services, Inc.
State: TX
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:
I have attempted on several occasion to tend to the account of my student loan debt. I have been garnished by IRS on all tax returns for the past several years, during which time I have been denied any and all access to information about the dispersal of these funds in relation to my account. I can gather no actual data on the thousands of dollars that have been taken from my Tax Returns and applied to the " Student Loan Debt ''. The best that I have been able to gather over the phone is that they have applied 100 % of the monies that they have collected from me to the interest on the loans and not one penny towards the principle whatsoever, which leaves me in a position of perpetual debt with no possible routes to a meaningful resolution. I want to press charges and transfer my debt into the hands of an actual broker whom can handle the debt without engaging in racketeering an openly flagrant blatant abuse of all known audit law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: M&T BANK CORPORATION
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I HAVE A 30 YEAR FIXED MORTGAGE AND EVERY SINCE M AND T BOUGHT MY LOAN OUT WITHOUT ME KNOWING THEY GOING UP ON MY MONTHLY PAYMENTS AND NOT HELPING BUT TRYING TO TAKE MY HOUSE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Not my accounts reporting

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 2018-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
CapitalOne provided an extended warranty which at the time this complaint was filed is within the extended warranty period. The company also ask for particular documentations which I provided see attached. The company failed or refused to honor its extended warranty policy and disregard the documents submitted to substantiate the claim.The company known or should have known that once the company accepted the claim it was obligated to review and investigate the issues as the extended warranty is within the time frame of its policy. It was my understanding that the warranty period extends the dispute time frame and if not the extended warranty would cover issues such as this. I called Capitol One regarding filing a dispute against XXXX XXXX  XXXX {$3800.00} card number XX/XX/XXXX. The issue was a faulty ac unit the vendor installed that is faulty. The vendor has made several visits to repair or make corrections each time resulting in a service charge.The vendor last visit was XX/XX/XXXX. I filed a claim with Capital One and submitted all the documentation they request but my claim was denied stating I did not send in all the requested documentations when I did and it stated unfortunately, that time-frame has expired. If you want to dispute a charge in the future, please let us know within 60 days of receiving it. When I called Capitol One and made the complaint I let the representative know this charge was from XX/XX/XXXX. The representative stated it was not a problem I said thank you. When I received the letter of denial I was shocked. So I called and spoke with a representative on XX/XX/XXXX. She talked to a supervisor who explained XXXX XXXX would not accept the complaint because it was 500 and some odd days old.She said I supplied all the right information and the vendor has failed to respond. I wondered why Capitol One warranty or dispute claims did not accept and pay for the faulty ac.I do not think that is fair.I believe I am entitled to a refund.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX Company Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation