BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2018, I was in XXXX XXXX, XXXX, with my husband on vacation. We were approached at our resort by a representative of XXXX XXXX Resorts, a timeshare/travel club. They attempted to sell us a membership in their club, and we initially agreed. The person identified as a Manager approached us and the salesperson and stated they have direct relationship with Bank of America and would open a credit card to charge a down-payment for the travel membership account. We returned the day after and notified the same manager who spoke with us that we're not interested in becoming members due to some suspicious and negative reports we had read about that company on the internet, and under XXXX Laws, we had 72 hrs to change our mind. We were advised, that no problem, your membership is hereby cancelled and refund will be issued to the B of A account. We DID NOT USE any of the offers allegedly included with that membership Whatsoever. We returned to the XXXX 3 days later. About a month passed and we received the statement from B of A and contacted the credit card company to advise them that the only charge on that account should ve been refunded, and they told us to deal with the XXXX XXXX first to check on status. We tried to get ahold of someone in their customer service to no avail. We made a couple of payments on the credit card account to avoid getting charged late fees and negatively affecting the credit score. The dispute continued for over a year. We could provide any additional documents to B of A as none were provided to us. Multiple reports circulate on the internet about fraudulent and deceptive methods used by this company in XXXX, attempting to defraud primarily American tourists. We have exhausted all attempts to clear this up with B of A. The charged off the account and at this point are attempting legal recourse through potential lawsuit. XXXX XXXX resorts later attempted to collect on XXXX!! more for supposedly not living up to the terms of their membership contract through a California based collection agency. However, after threatening legal action and filing a complaint with the Attorney General of Colorado and California, they seized all contact and never reported this account to any of the credit reporting agencies. Please assist us in this matter, as XXXX credit reporting agency advised us to do so. You can reach us by XXXX or XXXX, 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 2021-10-02
Company: OPORTUN FINANCIAL CORPORATION
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
There was a loan applied to my account that u did not do nor did I receive it and it is making a difference in my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Wells Fargo is in violation from XXXX XXXX XXXX XXXX. in XXXX, TX : VIOLATION # 1 : This locations told me that I need to get a Power of Attorney in order to sign for my husband 's checks. 

The violator : XXXX XXXX between X/2017 - X/2017 VIOLATION # 2 : I was severely inconvenienced.

VIOLATION # 3 : My husband NO LONGER HAS A CHECKING ACCOUNT with Wells Fargo which in the negative of - {$260.00} or so because I could NOTEver get a Joint Banking Account. 

They have gone against bank regulations regarding who can sign for husband 's or wives according to the Consumer Finance Protection Bureau. SEE ATTACHED DOCUMENTS. Police Incident Report is a LEGAL DOCUMENT IN WHICH MY HUSBAND STATES TO THE POLICE THAT I AM HIS WIFE. 

In passing I ran into an attorney, who said all I have to do is open an account for my husband and I. Show the necessary legal document showing that were married. And that I do n't need a POA to sign for my husband because I am his spouse. 


I am the agent. Anyone after a spouse would have to get a POA. There is a clause that protects you as " the spouse ''. 

*********NOWHERE DOES THIS STATE THAT I NEED A POWER OF ATTORNEY**** The banks need to be exposed for not honoring the fact that you are his wife. He does not have to be there to sign. You are not committing fraud because you are getting what you are entitled to 50 % which your portion of the community property. This law is located in the Texas Penal Code. Not only is the bank going against CFPB but the TEXAS PENAL CODE. You are NOT forging his name either you both are married and that means ONE. Verifiable : Screenshot of CFPB bank regulations.

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 2019-08-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
As of XX/XX/2019, I have been receiving numerous back to back calls from different states such as Florida, Missouri, Louisiana, Illinois, Ohio, Arizona, Colorado, California, New York and Maryland. As of today XX/XX/XXXX i finally answered the phone and it was Portfolio Recovery in Utah. I asked them why have they been calling me back to back or every hour from different states. He states that they have different businesses in several states. I informed them that at this point they are harassing me calling me like this when I dont have a reason to speak with them. I dont believe that it is right for them to harass me like that especially calling me back to back every hour 2 or 3 times from different numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-27
Company: Santander Consumer USA Holdings Inc.
State: NY
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:
XXXX XXXX was reporting me late for almost 2 years even after i disputed the wrong information and the dispute took more then 30 days after disputing this for more then 8 times, and so did n't the credit bureaus do the ultimate job to investigate my disputes if they would do their job they would see that i was n't late on this account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dispute charges for span of couple week resulted more than {$4000.00} was put back to account, stated that only original chip card was used while I and my wife still have possession of those cards and we did not make purchases. 
The company fraud department refused to help saying there is impossible to have counterfeit chip cards meaning we are the one doing purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: JPMORGAN CHASE & CO.
State: SD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Around the XXXX to XXXX I have called to try to pay off my auto loan but they will not accept payment. I created an online account to pay it off and still can not pay it off. I mailed a check out to pay it off on XXXX but they are saying they have not received it but yet another check mailed at the same time has posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX from XXXX XXXX XXXX calls repeatedly about a Dental bill, that I keep telling him that the amount owed is correct. 
He refuses to document the file and send the claim back tot he dentist. He calls atleast six ( 6 ) times per day. 

I spoke with XXXX gian today and explained that the amount owed can not be correct and that I would like a statement of account to review. He told me that I needed to listen to him and do what he says or he will not resolve my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a Lowes ( Synchrony ) card in XXXX of 2017 with a limit of {$3000.00}. I purchased a hot water heater and a few other items and paid it off before the 6 months interest rate promotion was over. In the Summer I attempted to purchase a few more items and was denied because my credit limit was reduced significantly to {$100.00}, I was in the store, spoke to customer service and they called to see what was going on. I was told that they did a credit check and decided to reduce my credit limit. I was livid and they said there was nothing they could do and maybe in 6 months I could see if the credit limit could be increased. I proceeded to purchase the items with the credit I had available and immediately paid that off when the bill came. Fast forward to last week, I received a letter stating the account has been closed because of a credit check. Please note, I do n't have a balance on this card. I believe this credit card company has ruined my credit. I have other store cards and credit card companies increasing my limit while Lowes/Synchrony is decreasing my limit and closing my account.

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 2021-06-01
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my account and settled in one lump sum payment. The collection company is not willing to delete my account from the bureaus. Other companies either delete after settling in full or at least update you as a paid in full. Other companies Ive dealt with claimed the same thing that they do not delete but do in fact delete when a CFPB complaint is filed. its not right to the consumers who faithfully pay there debt in full hoping to clear their bad credit history in order to regain their life back. And the average person doesnt even know about the CFPB. So they stay stuck with the bad history. Its just not right for companies like these to not delete just because they choose not too. And we wonder why there is so much poverty and homelessness in the community. Something needs to change ... ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: EQUIFAX, INC.
State: GA
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:
Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: Synovus Bank
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: Investigation took more than 30 days

Complaint:
First ProgressXXXX XXXX not investigating dispute in 30 day periods.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Self Financial Inc.
State: FL
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 submitted a dispute in regards to the incorrect items on my credit report and it has been well over 30 days and have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am currently disputing debts that are allegedly owed on my credit reports. I have sent numerous letters to the collector to validate other alleged debts - which they have not been able to validate and now they have added another older debt onto my report for {$620.00} opened on XX/XX/2018. I have also looked up this original creditor and I have never lived or been to XXXX XXXX, Nevada. Ever since I have asked for validation from this collector they are arbitrarily and viciously adding more debts without my knowledge that the debt even existed without sending me proper notices for validation. I have been sending these letters of validation and they have failed to validate that any of these alleged debts are mine without proper proof. Furthermore, these debts are outside of the statute of limitations. I will also be filing complaints with the XXXX and the Texas Attorney General 's Office today.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: EQUIFAX, INC.
State: WA
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:
on XX/XX/2018 my account with XXXX acct XXXX, whom was my mortgage company was payed in full..i then wrote a complaint here regarding the incorrect report to XXXX, XXXX  and equifax XXXXegarding the listing of status of loan..in which at that time still listed the account as 120 late but with no past due and XXXX balance.. XXXX did correctly list the payed off account as paid in full with lates ..which is correct..but to this day on the XXXX and equifax account reporting it states : status of account. 120 late..in which is not correct..also the two are reporting just no past due..XXXX balance..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This morning I deposited my commission check as usual, at the beginning of the month and paid my monthly bills ( as i do EVERY month ). Then I went to get gas and my card was declined. My son was at college and tried to pay for a class and his card was declined. I have several ACH withdrawls that are supposed to come out today/Monday as well. So I call in to USAA and was told there is a 3 hour hold time. I decided to login to my online acct and everything is showing as unavailable so I chat in. The lady tells me that my accounts were sent in to investigations because of all the transactions today, that they wanted to make sure someone hadn't stolen my card. I told them " no, they are my transactions '' and to unlock my account. She proceeds to tell me that it may take up to 3 business days. In the mean time all my checks and payments are going to bounce???? This is unacceptable. A simple phone call from them could have prevented this. I asked for a supervisor and she told me she was sorry but none was available. HELP PLEASE! they have all 4 of my accounts tied up and locked and I can't get gas or groceries or anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
So I filed for unemployment back on XX/XX/2020 and was APPROVED. The sent my my UI pin and I elected to get a prepaid debit card. I was advised mailing takes approximately 7-10 Buisness days. Its now XX/XX/2020 and I still have no prepaid card. I have not been able to get in touch with anyone not at the unemployment office nor at the US Bank Relia Card Holder services. Yesterday I was holding for over 3 hours. This morning I was holding for over an hour before we gave up and contacted you guys. Now mind you we have been trying to contact the offices for weeks now in reference to the card and nothing works. I have been unsuccessful. I have had an entire agent from the Unemployment office email me directly asking questions pertaining to my unemployment insurance basically hounding me about my unemployment and over a couple of days going back and forth and making sure I answer all of his questions, I asked him the question about my pre paid bank card and why I havent received it and was there a way I can file with them a lost and or stolen debit card and he never responded and that was less then a week ago. I lost my UI pin and requested a new one and nothing happened with that either. We are about 6 weeks in and I need to pay my bills including rent for my family of 3 and still nothing has been done!

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 2021-06-27
Company: EQUIFAX, INC.
State: SC
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: SYNCHRONY FINANCIAL
State: MI
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:
On XX/XX/2020 a finance inquiry was posted to my credit report initiated by Synchrony bank/lowes.This report was published without my consent. I am aware that Pursuant to the Fair Debt Collection Practice Act section 15 USC 1681b ( c ) ( 3 ) the creditor shall not furnish to any person a record of inquiries unless initiated by consumer. Also pursuant to section 15 USC 1681 b ( a ) ( 2 ) a reporting agency ( Synchrony bank/lowes ) can only furnish a consumer report in accordance with written instructions by ( myself ) the consumer. Neither written instruction nor consents were initiated at ANY time. Therefore, pursuant to the above, I as the consumer have been violated and my privacy has been breached.

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 2018-03-20
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX i made a payment of {$2700.00} to my Barclay master card which was the balance due at the time ... on XX/XX/XXXX the funds were deducted from my bank account and i received an email from Barclay stating my payment have been received. On today XX/XX/XXXX i checked my account online to find out the payment has not been credited to my account and that there was a hold on my payment. I called the customer service # and the automotive system acknowledged the payment but also reflect that the available credit does not reflect that payment being applied. I spoke to rep XXXX ( said couldn't give last name ) but his employee ID # is XXXX advised me that there was a hold on my payment and said it wouldn't be lifted until XX/XX/XXXX or XX/XX/XXXX. I asked XXXX the reason for the payment hold his response was because it was an unusual amount and it was also based on the method of payment and my bank is the one that issued the hold. I asked XXXX why would my bank issue a hold when they have already released the funds and never contacted me to confirm the transaction. I offered to fax over my bank statement showing the funds have actually cleared ( not pending ). He stated it would still not be resolved until XX/XX/XXXX or XX/XX/XXXX. I pay the same way every using the same account so it shouldn't have been an issue with my bank. I then questioned the response he made about the method that was used i advised him that Barclay uses ACH so they wouldn't have gotten the money if the funds weren't available. He then responded that the hold would not be released until XX/XX/XXXX or XX/XX/XXXXand if that was ok ( he was trying to get me off the phone at that point ) I told him no and asked would this have been a problem if i wouldn't have paid off the statement and why was it a problem for me to pay what was owed. He then stated he would try to see if he could have the hold removed now and placed me on hold. Once he came back to the line he stated he was able to have the hold removed and i will see the credit on my account by XX/XX/XXXX by XXXX est.

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