BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-11
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account with TD bank at XXXX XXXX XXXX, XXXX, MA XXXX on XX/XX/2018. During which time they were running an online promotion for {$300.00} bonus if you open a new account with the bank. So I opened an account and met all the requirement to receive the bonus, confirmed by the corporate representative and TD Bank branch manager XXXX. However, to this date, I still havent received my bonus. I have called the branch throughout last year to raise my complaint, I have spoken with XXXX and XXXX, numerous times who promised would have this matter resolve. Nevertheless, every time I called, all they call tell me is they're working on it. They couldnt tell me how long the process will take, or when will this issue be resolved ( which has been over a year ). All they can tell me is to wait. And one time they told me they have no records of the promotion, so I provided them a copy of their promotion that I was eligible for in 2018 on their TD bank official website. I havent heard back from them ever since. I have made numerous calls to TD bank corporate and the TD bank branch in XXXX, but all they can tell me is to be patient. I was supposed to receive what they promised a year a go and I still havent. The behavior of the bank is extremely unethical and they're false advertising the promotion so the customers would open bank accounts with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-11
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Upon the request for the cancellation of my familys auto insurance with XXXX insurance company, they initially told us that we were supposed to get a partial refund for the years of service with them which is customary among most insurance companies. And yet all of a sudden they changed their story by falsely claiming that my sister and I allegedly owed an unpaid debt through the use of a collections agency by the name of Credit Collection Services.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a open consumer end credit plan with Capital One Bank. I have a outstanding balance. 
I am demanding Capital One Bank balance out the balance every month. Credit my account, send me the balance amount in a check. 

Title 15 U.S. Code 1602 - Definitions and rules of construction j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time. 


Title 15 U.S. Code 1666d. Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Tenaglia & Hunt, PA
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, I received 2 small loans from XXXX, totaling about {$1000.00}. After 12 successful payments made on my account, I began to miss payments which caused my account to become delinquent. 

On XX/XX/XXXX XXXX emailed me via the email XXXX stating as much. I immediately reached out to find out what was going on. I was informed & verified by logging into my account that I did owe a balance of {$450.00} which I paid in full over the phone via credit card. 

The woman I spoke with assured me she was an employee of XXXX. 

When a charge to my card showed up on my bank statement on XX/XX/XXXX ( and cleared on XX/XX/XXXX ) it was not from XXXX but from a law office -- XXXX XXXX XXXX. 

I again reached out to XXXX to see what was going on, at this time I was informed that my account had been transferred to XXXX XXXX XXXX for collections and they had the {$450.00}, not XXXX. 

I was informed, in writing, that XXXX would consider my account current contingent on XXXX XXXX XXXX remitting my payment back to XXXX though was given no timeline as to when that would happen. 

In the meantime, I continue to receive calls from XXXX XXXX XXXX as well as a second collections agency -- XXXX -- both attempting to collect on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: FIRST CITIZENS BANCSHARES, INC.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
First Citizen Bank - XXXX, Oregon Location. 
When I tried to open the Checking Account with First Citizen Bank at XXXX Branch on XXXX/XXXX/XXXX using {$200.00} Promotion when opening account, The manager? first did not give the " Notice of Action Based on Information Contained in a Consumer Report. I had to ask him to print out the notice then he printed out the notice. However, there was no name of the bank on the Notice, so I asked him to put the Bank 's Name. But he refused. I went bank second time but still refused. Is the Bank allow to not providing without their bank name? I need to have their Name of the Bank in this Notice to prove I was not able to opened up Checking Account with the Promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXXXXXX XXXX XXXXXXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2018, I received an alert from XXXX  credit monitoring that " XXXX '', with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX and phone number of XXXX obtained a copy of my XXXX  credit report for a " home retail loan '' without my consent or authorization. 

I immediately contacted XXXX  to dispute the credit inquiry, and, at XXXX XXXX   direction, contacted Kohl 's at the number given on the credit report next to alert them that they pulled my credit without authorization and to try to get more information regarding what I assume was an identity theft issue. I wanted to make sure that no unauthorized credit account was being granted in my name, since it would be fraudulent. 

Kohl 's was utterly unhelpful and completely unprofessional. They refused to assist me. Incredibly, they refused to transfer me to their fraud department. Specifically, the customer service representative told me that " the fraud department would not take the call, '' even after she confirmed that an account had been applied for with my name and current address, without my consent. 

Later that day, I learned from several other of my credit card companies that my identity had been stolen and was being swiftly used to make unauthorized retail purchases, so I am sure that someone used my stolen identity to try to fraudulently open up a Kohl 's account in my name. I am still speechless at how Kohl 's did not care that they violated federal law by pulling my credit without my consent and completely refused to help me. 

After my failed conversation with Kohl 's, I filed a report with the FTC and mailed the FTC 's recommended letter to Kohl 's disputing the unauthorized obtaining of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I want to report the misuse of my PERSONAL INFORMATION. I did not give consent to the credit bureaus to report a bankruptcy on my credit report. By law this information is considered private and I want this information removed. The bankruptcy reference number is XXXX. The credit bureaus ( equifax, XXXX, and XXXX ) are reporting this information without consent. 
Please reference the cornell law 15 US code 1681 a, 4 : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Penn Credit Corporation
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Penn credit contacted me today for second time asking for XXXX XXXX. I asked them this time what kind of debt it is and who is it owed to. 


They kept saying they can not BY LAW give me the information. I told them and their supervisor that I am not asking for any account detail to see if any sort of truth to their harassment. They did not. 

They also put me on silent, dropped the call, mouth off among other things.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: CURO Intermediate Holdings
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
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:
A loan from Speedy cash was opened under my name without my permission. I am will provide documentation regarding my identity being stolen to get this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: SUNTRUST BANKS, 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: Account status incorrect

Complaint:
As a victim of hurricane Harvey ( XX/XX/XXXX ),  SunTrust bank granted me a forbearance. A letter dated XX/XX/XXXX set out the terms of the loan modification. At which time, I followed all of the terms of the agreement which was to begin paying my loan back at an amount of {$780.00} beginning XX/XX/XXXX. According to my payment record from SunTrust which I can provide, my payments were applied on time and were never late. Now Suntrust is reporting 6 months late on my credit as if XX/XX/XXXX. Ive tried numerous times to explained to untrained associates that this was not correct and that a glitch in their system caused all of my payments to be refunded, which I promptly returned along with the current payment due. I have provided dates of my payments and of letters I received outlining the terms of the agreement. All to no avail. Ive disputed through the credit reporting agencies, To which SunTrust responds with dispute resolved and a comment that is irrelevant, such as fixed rate. Their negligence is affecting my ability to financially and emotionally recover from this tragic storm. I do not want to see anyone else become a victim of their inefficient and ineffective processes.

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 2017-11-29
Company: WELLS FARGO & COMPANY
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: Other problem getting your report or credit score

Complaint:
I have a mortgage since XX/XX/2010 with XXXX then Wellsfargo and XXXX   do not have it.. But XXXX and XXXX have it .... I call Wellsfargo and they said they send the report every mouth.. I call XXXX and they said I have to call Wellsfargo.. Im getting the run around from both ... Can you 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 2019-06-11
Company: AES/PHEAA
State: NC
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 am currently enrolled in Public Service Loan Forgiveness Program via FedLoans and I have been trying for over 2 years to get an accurate count of my payments that count toward forgiveness and have been unable to achieve this with the company. I have been unable to get consistent answers on what payments they are counting and why the payments that should count are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
As of todays date, I have contacted EQUIFAX on multiple occasions regarding the accuracy of a bankruptcy listed on my Equifax Credit Report. On each occasion, Equifax continually states they have verified the Bankruptcy as accurate by using 3rd Party agency, XXXX. 

Therefore, Ive contacted the XXXX  District of Illinois Federal Bankruptcy Court where the bankruptcy was filed and they responded via letter, THAT FEDERAL COURTS DO NOT PERFORM ANY ACTIVITIES WITH CREDIT AGENCIES. To my understanding the sole provider with most accurate & verifiable information of this Bankruptcy is the presiding Federal Court. Therefore, Equifax can not verify any of the data involved in this Bankruptcy without the use of a 3rd party source such as XXXX, XXXX or XXXX XXXX who share and disseminate information whether it is verified as accurate or not. 

According to FCRA, that pursuant Federal Statute and the Federal Rules of Bankruptcy Procedure only the last four digits of a Debtors social security number along with their full name and address can be released. Furthermore, per FCRA, all Credit Reporting Agencies are required to conduct investigations of disputed items with Original Provider of the information in question, which in this case is the XXXX District of Illinois Federal Court. 

I formally request Equifax, to comply with the all federal laws by verifying the disputed information with XXXX District of Illinois Federal Court within the allotted time by federal law. If Equifax can not accurately verify and correct any and all errors this information, I l expect the disputed information to be completely removed in the most expeditious manner possible by DELETION from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: PROVIDENT FUNDING ASSOCIATES
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan is with provident funding.

On XX/XX/XXXX my automatic mortgage payment was received by the lender. They returned the payment due to the payment being short based on their new escrow requirements for taxes and insurance. I did not realize the payment had been returned until XX/XX/XXXX. At which time I spoke with a rep, and logged onto their site and immediately made the updated payment.

I know lenders have the ability to accept payments that are short on escrow, and they also have the ability to waive a late fee in a case like this where payment WAS actually made, and fully covered P & I, as frankly escrow as well. The increase in payment is a forecast. After speaking and emailing with the company they still want to charge a late fee of $ XX/XX/XXXX on a payment of {$1100.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX confirmation XXXX I paid off a balance of {$32.00} to my Comenity - Ultamate Rewards Credit card The due date was XX/XX/XXXX and a payment was made on that day. The following month I received a charge on my card for {$29.00} Fee Charge ( XXXX late pay and XXXX min interest charge ). 
I called to speak to a supervisor and explained I made a payment on XX/XX/XXXX and gave the confirmation number. They claimed I made it at XXXX my time which was XXXX their time ... 15 minutes after their cut off time. This was knew news to me, I was unaware of a " time '' cut off. I only knew of a " date ''. I ask for them to wave it, since I had been great credit with them and I was unaware of a time cut off on the due date. They said they waved my original late fee when I first signed up with them and they would not wave this one. 
I explained my first late charge was due to me never receiving my first statement after initially signing up with Comenity, so I had no idea when my payment was due. 

I closed this account XX/XX/2019. This company is continuing to charge late fee on top of late fee even after the account was closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-19
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I submitted a complaint dated XX/XX/2018 against a charge of {$400.00} drafted by XXXX XXXX XXXX XXXX XXXX on XX/XX/2018. The US Cards requested further documentation which was duly furnished. XXXX of the documents requested by them was a letter from a auto repair shop documenting the poor quality of services performed by XXXX XXXX XXXX XXXX XXXX. The document from XXXX XXXX XXXX XXXX XXXX enclosed here is evidence of such poor service. 

Vide their Letter dated XX/XX/2018, The US Card Co. declined to reverse this charge, although all evidence requested by them was duly furnished. 

By refusing to act, US Bank is encouraging bootlegging and money laundering activities by entities like XXXX XXXX XXXX XXXX XXXX, which holds no auto repair license from the California

Bureau of Automotive Repair. Their illegal activities pose a grave danger to public safety and well-being. The US Bank may be asked to permanently reverse this charge of {$400.00}. All relevant documentation will be furnished on request.

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 2020-07-24
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have reached out to Wells Fargo requesting a letter for our lender saying our CC 's have been paid off. They refused to send it to anyone else rather than my lender allowing me access to my information.

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 2020-11-12
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 an issue with someone else 's information reporting on my credit report with Experian. I recently discovered the problem when I applied for credit with XXXX XXXX on XX/XX/2020 and Athorize.net merchant account on XX/XX/2020. They said I had negative items and a lack of credit. When I checked my report with Experian and free annual ( attached ), there are no records that match the decline reasons. So today, XX/XX/2020, I reached out to Experian at : ( XXXX ) XXXX XXXX XXXX CST and spoke to them ; the lady verified my account and discovered that the same name with social security number ending XXXX had been mixed with my profile. She transferred me to the special service department, and I spoke to XXXX in XXXX, TX. At least that is what he said. He became very argumentative and hung up on me! He cut me off and would not allow me to explain my reasons to calling, and so forth. I personally dont think he was in the United States because I could not understand him. I have attached the call to listen to!! I am distraught that I can talk with an actual person from the United States to understand and resolve 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 non-monetary relief