BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-05
Company: FMA Alliance, Ltd.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Since XX/XX/XXXX, my wife and I have received 33 telephone calls / hangups from FMA Alliance. I finally spoke to them on XX/XX/XXXX, after researching the telephone number. The person did not identify themselves, but I confirmed that I was not the person they were seeking. I requested they stop contacting my home telephone number. 

Since XX/XX/XXXX, my wife and I have continued to be harassed by FMA Alliance. We have received 14 calls. I answered the call on XX/XX/XXXX, and once again requested that they stop harassing us since I was not the person they were seeking. This person also did not provide identification. 

Since XX/XX/XXXX, we have received 4 calls from FMA Alliance. However, these 4 calls have been from ( XXXX ) XXXX instead of ( XXXX ) XXXX, which has been used for the other 29 calls. 

Please help us make this STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: CITIBANK, N.A.
State: FL
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 paid off the account balance since XXXX 2015 and despite my numerous contacts with the creditor and the credit reporting agency, sending all the legal documents showing that the balance was paid off, to this present date the account stills appears as unpaid and thus affecting my credit record

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have received my finicial aid disbursement for the XXXX XXXX XXXX in the amount of {$5100.00} on XXXX XXXX the hold was placed on my funds until XXXX XXXX even after the funds were paid the bank continued to hold my funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX of XXXX, the amount of XXXX dollars in the Wells Fargo bank became missing out of my account. So a couple of months earlier was on my way out of the bank one day and the bank manager came out of her office an said that she need to change the withdrawal fee for my ATM card ... Never thinking anything about .... went into the office took care of it an I was on my way out ... later i keep noticing that my funds wasn't they should have been ... so over the last couple of years i tried solving it myself. But nothing, but just this pass year XXXX, I notice i could get into my account the bank sent me a message to go paperless and i could get into my account that way ... So when i finally did get into my account where it was showing that the XXXX was showing it was taken out my account page was change with another account that i own the bank ... so as i continue to check the account it was maybe the end of XXXX or XXXX they Bank remove all the information and replace pieces of my account with a joint account an a line of credit account ... And they just did all these changes this past year like they was trying to cover up something ... I deposited XXXX into the this account an with them taking the XXXX out they have it as though i only put XXXX they have change a lot on my account ... each account has different windows to open them their showing all these accounts on mine ... Another thing when i try to signing on to my bank account with phone it states that the user has not granted this App permission to store this file .... never had this problem before cause my phone works just like a tablet ... I really need your help .... Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Experian Information Solutions Inc.
State: FL
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:
Ordered items from XXXX XXXX never received the items XXXX XXXX agreed to remove from credit reports was removed from XXXX  and XXXX XXXX but XXXX never removed it from credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employers : XXXX XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX  Date Updated : XX/XX/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 non-monetary relief
Consumer complaint received 2018-06-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
USAA Reported a Account to the credit bureau stating an account was opened up on XX/XX/XXXX. This is a secured card I never opened with a balance of {$4900.00} I didnt open this card. The first time I called regarding this matter I was told the account would be removed. It never was. Then I contacted them more than 5 times. Most recently in XX/XX/XXXX. I provided all detail I could pricing I never opened the account. The account cant even be opened unless a person is a military spouse or military member. I am neither. I wasnt even living in the state where the card was mailed. Its fraudulent and USAA. Refused to help and constantly lies. They have never requested documents from me. I filed a police report and a complaint with FTC regarding fraud. When I call USAA you cant speak directly with the fraud department I have to always speak to a Customer Service Specialist and I have to repeat the same complaint over and over. They wont remove it from my credit report or dispute the transactions that were made by whoever opened the card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: PNC Bank N.A.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
PNC Bank states that they can not transfer funds to and from XXXX XXXX. If XXXX XXXX is an FDIC insured financial institution I don't understand why I can not transfer my money to and from it. When asked to provide reasoning for why PNC will not transfer to and from XXXX XXXX, they stated that they do not and can not provide that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: CNG HOLDINGS INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021, XXXX sent a certified debt validation letter to security credit services requesting a list of information proving I owe this company debt. The company did respond on XX/XX/2021 but failed to properly respond to the debt validation letter as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Resurgent Capital Services L.P.
State: PA
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 filed a dispute with XXXX XXXX. The dispute is over a credit card debt that was bought by another firm, named XXXX XXXX XXXX c/o resurgent capital services XXXX XXXX XXXX XXXX SC XXXX The original account ( XXXX XXXX XXXX ) was closed. The amount is in excess of {$1000.00}.

In 2017, XXXX filed suit in a Magistrate Court in XXXX XXXX, PA/ The case was dismissed.

I disputed this fact to XXXX XXXX online. They sent a letter saying they needed proof of my address. I mailed in proof, which was my bank statement and utility bill.

I received my results via mail. Information updated. Dispute not specific, verified and updated.

I would think if they did a manual check as they said they had to, the evidence of a court of law would prevail. The case was dismissed and should not be on my credit report for a buyer of bad debt, that is over two years old in PA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have not been getting my statement and when I asked for one to be re mail to me. I saw charges at a kohl 's in TX and XXXX XXXX XXXX. I call and wrote in because they would not remove the charges. When I was going to pay the statement I asked for those charges to be to be deducted off the amount owed and the amount needed to be paid on that statement. The man who I spoke with refuse to do that and tried to make promised so the amount can be paid along with late fees. The amount was fraud and THEY PUT IT ON MY CREDIT REPORT CAUSING HARD SHIP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-26
Company: NAVY FEDERAL CREDIT UNION
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: Account information incorrect

Complaint:
The statute of limitations expired for this credit card account. However, it continues to report on my credit report from Navy Federal Credit Union. I request Navy Federal Credit Union remove this account from all three credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
A charge from XXXX appeared on my XX/XX/XXXX statement. It was billing on XX/XX/XXXX. I called XXXX  to get details. I did not purchase the item they outlined, so I disputed it with Bank of America. They mailed me a letter the next week saying they were investigating and that I needed to take no more action at that time. I then got a letter written onXX/XX/XXXXstating that they could not get in contact with me to get further information, and so I would be charged the amount on the disputed charge. I then called the question/help line for more information.

It turns out that they had tried twice, on XX/XX/XXXX and XX/XX/XXXX, ( I only have a recording forXX/XX/XXXX) to contact me by phone. They left messages on a line I have to admit I do n't always check regularly. Because I did n't respond, they closed the case on XX/XX/XXXX and told me that they would not investigate further. I now have to pay the {$340.00}.

I realize that not checking my messages during those few days was my error. However, I have used this card for years and have been a loyal customer. It also seems shady that they called me two days before the time runs out to investigate. I got no email ( even though I marked that as a preference for communication ), and no further letters regarding the matter. I will keep the card so it does n't impact my credit rating, but I will be moving to using a different primary card. Disappointing how they treat long time customers.

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 2018-01-17
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Ive been having trouble making transactions with XXXX, everytime i try to link my debit card it td bank keeps blocking me everytime i try to buy, even devit card saved under XXXX XXXX will not work this is causing me to lose money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: CAC Financial Corp
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do n't know what this debt is for -- - TWO DEBTS ARE LISTED ON MY CREDIT REPORT FOR THE FOLLOWING AMOUNTS : 1. ) {$790.00} 2. ) {$180.00} 1. ) CAC Financial nor XXXX of XXXX Texas explain what these debts are for. 

it is noted is was reported on XXXX XXXX, 2016 NOT ENOUGH INFORMATION HAS BEEN REVEALED FOR THIS DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX Wells Fargo changed my daily withdrawal limit from {$300.00} to {$1000.00} without my explicit approval to do so. I addressed this issue via the bank and complaint and received confirmation that there will be no further changes to my account without my explicit approval. 
XXXX XXXX XXXX XXXX XXXX ID : XXXX Wells Fargo XXXX ID : XXXX I received a notice on XX/XX/XXXX stating that my wire transfer limit has been increased to {$50000.00} a day without my explicit approval. I do not understand why Wells Fargo continues to remove important safeguards to my account and expose me to losing all my savings through an account breach. 

On top of changing the wire transfer limit without my explicit authorization, on XX/XX/XXXX, Wells Fargo also changed my XXXX transfer amount to {$5000.00}. This would allow anyone who happened to gain access to my account, the ability to take {$5000.00} without any oversight. 

I understand the response will be that XXXX XXXX XXXX XXXX XXXX ID : XXXX was in regards to ATM and this complaint is in regards to wire transfers. That difference is trivial and irrelevant. My account is being changed without my approval and this will cause me 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 2019-02-11
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax is reporting outdated accounts and I have tried on several occasions to close them with no luck. The following accounts should be removed : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX Additionally, there are unauthorized inquiries on my report. Please remove them. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
TD Bank sent me a solicitation indicating that I qualify for there TD cash rewards credit card. I was previously approved due to my excellent payment history and high credit score. The reason that TD Bank denied my credit card was not based on my credit history or credit worthiness, its was denied due to the fact that I already have an existing credit card. Which I believe is against lending regulations. Credit has to be denied based on credit worthiness. In essence TD bank are infringing the equal credit opportunity act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-20
Company: Northstar Location Services, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call me at least once daily for the last 3 weeks. I answer tell them my situation has not changed since the day before. I have asked them to quit xalling my cell phone number and requested that they mail me information about the debt and I will call them once our financial situation gets better.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: PENTAGON FEDERAL CREDIT UNION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I filed an application for a mortgage refinance with Pentagon Federal credit Union, XXXX Virginia, ( dba : penfed.org ) in XXXX of XXXX. Have is applying all the required documents and completing the appraisal process I was told in XXXX that my refinance application would go underwriting and I would hear back from him shortly as to the closing date. Since XXXX, I have repeatedly e-mailed the messages requesting status of my loan and as of XX/XX/XXXX I have yet to have anyone respond to me including the mortgage processors. 
I have been sending the following e-mail message : " Can someone please tell me -- WHAT IS THE STATUS OF MY LOANLoan # XXXX? '' Additionally, I have tried to contact them by phone on numerous occasions into a convoluted prompting system I am continued referred back to a third-party member services is of no help or assistance in this matter whatsoever which only aggravates the frustration. 

Therefore, I am seeking your assistance in having this member organization simply provide me with a response regarding the status of my loan application. Otherwise, I will have to start a new refinance mortgage with a more reputable and response financial institution, thus losing all the money that I currently invested in this application. 

XXXX XXXX, Memberof Pentagon Federal Credit Union

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 2019-07-17
Company: Bread Financial Holdings, Inc.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My credit card company issued a refund in error. I didn't know about it. They issued a statement requesting I repay it but I did not get the statement. They started charging me late fees and interest on a refund that they issued in error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-17
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: Account status incorrect

Complaint:
I have a loan that is being reported incorrectly to the bureaus in regards to payment activity for my car note on my XXXX XXXX XXXX by XXXX XXXX. I sent over to the company a copy of my bank statements showing the deductions from my accounts along with a copy of the payment history that was privy to me on XXXX XXXX 's website. They have me thirty and sixty ( 30 and 60 ) days late for XXXX, XXXX and XXXX of XXXX when {$2100.00} was paid on XX/XX/XXXX, then {$710.00} on XX/XX/XXXX. The next payment was made on XX/XX/XXXX in the amount of {$620.00} because they stated that was all I had to pay for that month because an arrangement was made setting aside the full payment, then {$710.00} on XX/XX/XXXX, and then again {$710.00} on XX/XX/XXXX. XXXX was missed therefore I paid two car notes in XXXX in the amount of {$1400.00} for both months. I paid XXXX 's car note on XX/XX/XXXX in the amount of {$710.00}, and the XXXX 's car note on XX/XX/XXXX in the amount of {$710.00}. Also I have a ten day grace period every month ; just wanting to make mention of that. Then they attempted to withdraw from my account on both XXXX XXXX and XXXX, XXXX in which they should not have been trying to do, then received XXXX 's payment on XX/XX/XXXX in the amount of {$710.00}. ThenXX/XX/XXXX for {$710.00}. I am in forbearance until XX/XX/XXXXbecause of the conflicts of interest, and therefore did not have to make a payment onXX/XX/XXXX in which the supervisor stated I would not have finance charges nor extra fees for that month, nor would there be any negative reporting to the bureaus. In addition per my request at the very beginning of the loan, I expressed wanting all payments to go to the principal of the loan. I told them to make a note of my request in my file because to pay with a representative is a fee. To pay online is free. They claimed to have noted the account. My request has been unfulfilled from the beginning, and still ongoing. Furthermore, I am being charged excessive finance charges, late fees, and other hidden expenses unjustly. I have addressed all of this to the company as I continue to file disputes against them with the reporting agencies as well. I seem to have no other recourse. I ask that you help me resolve this ongoing issue with these companies.

Company response to consumer: Closed with explanation