BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-13
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Sunday, XX/XX/2018, we attempted to make a deposit at the Webster Bank ATM located on XXXX XXXX, XXXX XXXX, CT. 
The atm took my {$50.00} cash deposit, malfunctioned, didn't credit my checking account and printed out a note they they could not return my cash. 
I went to Webster Bank and explained what happened also showed the note from the atm machine so the person that I spoke to gave me a case # didn't even apologize for the inconvenience and then proceeded to tell me that they were not able to return my {$50.00} until an investigation and the atm was serviced which would take 7 to 10 business days which put me in a dire situation. I kept checking with the bank for an entire week and still have not gotten my money back.

We are on a limited income, only social security, which by the way, are direct deposited into the Webster Bank account. 
I had asked about a provisional credit for the deposit snd was told that they would get back to me and never did until Saturday, XX/XX/XXXX after hours do they were not able to speak to anyone until today. 
We feel that we were treated unfairly. 
The social security deposits are well over {$50.00}. They could have given us the provisional credit. We have banked with Webster for a long time and really didn't need this treatment. 
Because the {$50.00} credit was not applied, I had to borrow money to deposit to cover the checks that were not cleared yet. This was embarrassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: MT
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:
I am in the process of applying for a mortgage loan. When my credit score was run on XX/XX/XXXX, it showed a derogatory account for a XXXX XXXX XXXX XXXX ( # XXXX ). A balance of {$9300.00} is showing for a student loan that I paid off. It should have a balance of {$0.00}. 

After doing some digging, I discovered that XXXX XXXX XXXX out of Pennsylvania " owned '' this loan and has been attempting to collect on it since XX/XX/2013. 

This loan originated with RBS Citizens. Account # XXXX -- XXXX. I called RBS Citizens Bank 's asset recovery department ( XXXX ). They verified that this loan was in fact paid off. 

Using the app XXXX XXXX, I disputed this account. 

Then on XX/XX/XXXX, I received a letter in the mail from a collection agency called XXXX XXXX XXXX in XXXX, ND ( XXXX ) asking me to pay the balance of {$9300.00} for a XXXX XXXX XXXX XXXX XXXX XXXX, with the account number listed as my social security number. 

I have called repeatedly and left a voice message in an attempt to dispute this with them directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
My vehicle ( XXXX XXXX XXXX ) was paid in full as of XX/XX/2018 ( account # XXXX ) with Bank Of America ( BOA ). I requested BOA to forward my address to the following : XXXX XXXX XXXX XXXX, CA. XXXX. My vehicle is registered in the state of XXXX. I spoke with supervisor ( XXXX at BOA ) regarding this issue. As of this date ( XX/XX/2018), I have not received my title.

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 2019-05-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
EXperian, I want to show fraudulent consumer reporting taking place credit manipulation by you in your own omission, your statments enclosed, I contacted you through the CFPB many time about this and other case where you refuse to remove account when told by furnisher who can get contract back and by debt collector who states remove account you keep stating validated and not removing account. in casr XXXX you state furnisher can not remove account only debt collector your omission, caseCFPB XXXX from debt collector remove account { you refuse } letter from furnisher stating I do not own this account that you fradultly claimed over the years as mine state remove account .consumer credit manipulation is against the law you can explain to me and CFPB why you refuse to remove account, CFPB please look in to there business practices of fraudulent reporting, Enclosed is proof of just that remove the 2 pertaining fradulent reporting account related to there dispute numbers

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 2018-12-17
Company: Kashia Services
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was told I had 3 repayment options. One option was payment of {$190.00}, the second was a 3 payment payback and the last was payments of {$140.00} and some change. I selected the last option, of {$140.00} and some change. The company took payment for {$190.00}. I emailed multiple times, the company claims to have only received one email at a date " too late to correct anything. '' When the company finally had someone call me ( because you can never get through trying to call them ) that rep stated she would have the recorded call pulled and call me back. When she called back she tried to say " the rep gave you misinformation. '' That is not MY problem! I initiated a loan based on the information that rep provided and actually stated multiple times through that call that if the payment amount was {$190.00} I would be passing on the loan as I couldn't afford that amount. Now the representative is passing me around between departments, placing me on long holds in between each pass, clearly hoping I'm just going to hang up and drop the issue. The information that was provided to me is recorded! Their representative is recorded telling me that I would be able to pay {$140.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: NAVY FEDERAL CREDIT UNION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
This past Summer I sent a secure electronic message to Navy Federal Credit Union through my online account requesting that the {$2800.00} balance transfer that I had initiated on XX/XX/XXXX from my XXXX XXXX Credit card be reversed, since I was disputing a substantial portion of that balance in the amount of {$1300.00} ( see CFPB Case # XXXX ). I was informed that this was not possible and that I should dispute any charges with the original card issuer. With the 0 % APR promotion that was used in connection with the transfer due to expire on XX/XX/XXXX and not having received the third stimulus check for {$1400.00} despite the fact that I receive direct deposit as a XXXX Beneficiary, I phoned XXXX today to confirm that there was no way to transfer the balance on my NavyFCU back to XXXX, only to be informed that because the transfer had been made more than a year prior, this was no longer an option ( this same NavyFCU Representative that I initially spoke to indicated that he had just received his stimulus check in the mail today, suggesting that mine may never arrive at all ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: Google Compare Credit Cards Inc.
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
XXXX XXXX applied a {$20.00} credit to my account XX/XX/2016. I didn't have a bill anymore from them so I call and they assured me the credit is there and when I close the account they would give it back to me. After I closed the account I do a chat to make Sure they are sending it to the right address. They tell me they see the credit but it is their policy not to give me the money. I said there is a big mistake so they continue to harasss me thinking I'm just going to drop it and they can keep my money. The manager acknowledge he wasn't sure if it was legal or not but he still wasn't going to give it back. They previous representative said it was on Google pay but when I talked to them they said they have nothing to do with XXXX XXXXXXXX. Google stole my money and they deceived me into thinking I would get it back later so I wouldn't file a complaint with my credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: I.C. System, Inc.
State: FL
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:
On XX/XX/XXXX I've received a letter from I.C Systems INC. stating that there is a debt collector trying to collect a debt from me in the amount of {$1500.00}. After doing some research to see if there are licensed in my state of Florida. I.C Systems are not licensed in the state of Florida. 

According to the FCCPA If the debt collector is not licensed in the state of Florida, they are violating the FCCPA and in turn violating the FDCPA. Each violation carries a {$1000.00} statutory damages provision for each violation, which in this instance is each call or contact by a non-licensed debt collector. It is recommended at this point to contact an attorney who regularly handles these types of claims against debt collectors. 

I filed a complaint with Florida 's Office of Financial Regulation and with Florida 's attorney general to take legal action.

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 2020-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Hello! 

I have an account listed on my credit report XXXX  XXXX as a closed account. This was when I was a student  in Wisconsin for two weeks, and I have never had a bill, debt, or active account with them. If possible, I would love to remove them from my closed account list. 

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 2019-05-25
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: Public record information inaccurate

Complaint:
I am disturbed that XXXX, TRANSUNION and XXXX to ignore my request to remove and continue to list the dismissed bankruptcies as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that  are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and  send me an updated copy when this action is completed. 
Considering that this does not require an investigation, I would appreciate your response within 4 calendar days from receipt of this letter.This request from all these agencies have yet to be honored and removing this from my credit files.

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 2021-09-20
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: Automatic Data Processing, Inc.
State: IA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I reported my card lost or stolen and had a replacement ordered in early XXXX and was told to allow 2 weeks for the replacement to arrive. When no card arrived, I called to follow-up only to be told that they had forgotten to order it. I spoke to supervisor XXXX with employee id XXXX and was advised that he was special expediting a replacement and we would have it in hand in 1 to 2 days. 
After allowing for 1 day for them to process, and the 2 days for it to get to me, I then followed up to be told I should receive it by Monday ( 3  days later than promised. ) I again asked to speak with a supervisor and was then hung up on. I called back and asked to speak to a supervisor again and finally was given XXXX, id XXXX. Eventually she provided a tracking number and stated it was shipped XXXX priority overnight and we should have it in a few days. When asked to speak to her supervisor she refused. 
Upon checking the tracking number it showed it was ready for pickup by XXXX and that it had been scheduled that day. It had not even been picked up. 
Company provided pay card because that is how they pay now and XXXX kept me from my money for 3 weeks and has still not delivered my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: BARCLAYS BANK DELAWARE
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: Old information reappears or never goes away

Complaint:
I need to remove the hard inquiries from Barclay since they denied my credit increases and ran my credit when it should have been a soft pull. I feel I was misdirected or mislead it has impacted my credit score a lot.

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 2019-05-21
Company: Rocket Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a rental property financed with Quicken Loans. It was our former residence. We lost our tenants in XXXX of XXXX. The tenants " trashed '' the property, which required extensive renovations. When it was complete, we listed it for sale. We were unable to pay the mortgage with no tenant, but stayed in contact with the lender and kept them apprised. No offers were forming. In XXXX, we applied for a short sale and were denied. On XX/XX/XXXX, Quicken entered and secured the vacant but maintained property over our express objection. They cored the locks and changed them. We were unable to access the home for showing/sale for two days. We wrote a strong letter, and Quicken eventually agreed to a short sale. We signed and returned all documentation including a promotion agreement with XXXX. Several " winning '' bids were rejected w/o notice and without our knowledge. In XXXX, collection calls restarted. In XXXX, we were told that we " never returned '' the short sale paperwork ( impossible as it was faxed in triplicate and returned via express carrier ). We wrote a second letter and informed the lender we wanted to pursue a Deed in Lieu of Foreclosure and threatened legal action for trespassing, theft, harassment, bad faith, financial damages, repetitional damages ( credit ) and intentional infliction. In a phone call on XX/XX/XXXX, we were told we could not use a DLF and they were moving forward with full foreclosure, even though we are willing to give the lender the house. We were told they were prepared for a lawsuit and any publicity or official complaints we may file. We have been absolutely assaulted by this company. We are a middle class family, not real estate professionals and feel we have no recourse. All we want to do is responsibility dispose of the property and get own with our lives. Instead, Quicken Loans is putting us through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: SECURITY FINANCE CORP
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I'm consolidating my debt with a company and this company has power of attorney over my debts. I've explained this to Sunbelt Credit and they still call every single day, because they don't understand the process. I've explained to them that I can't comment on the consolidation because, I can't. They said that they still have to call because, that's their job. They don't mail statements that I can send to 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 2020-11-12
Company: EQUIFAX, INC.
State: NC
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:
I called in in XX/XX/2020 requesting Equifax to remove these fraudulent inquiries from my credit report I uploaded my documents such as police report and driver license and social security card to have these items removed ..., however creditors are still posting inquiries to my report without my authorization. Equifax stated if XXXX will fax these documents they will be remove.. I faxed these documents to the number they provided which XXXX and the inquires are still showing up on my report

Company response to consumer: Closed with explanation