BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  XXXX  service has been attempting to collecting a debt. XXXX  when they were dispatched and were paid by insurance company. They continue to slam my credit with no attempt to contact me. The episode was over 4 years ago. Made attempt to have removed by Transunion but was declined. 

In Arkansas, contracts not in writing have a statute of limitations of 3 years ( A.C.A. 16- 56-105 ). Debts incurred for medical services have a statute of limitations of 2 years from the date the service ( s ) was rendered or from the date in which the most partial payment was made ( A.C.A. 16-56-106 ).

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 2018-04-17
Company: JPMORGAN CHASE & CO.
State: MD
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:
On the XX/XX/2018, Someone used my card information and make a fake credit card. I recevied a text message on my phone that someone had been used my credit card to purchase something at XXXX XXXX with amount of {$3900.00}. I declined already but XXXX XXXX  still took my money out. I reported to the XXXX XXXX to do the investigate but they won't give back my money.

XXXX XXXX XXXX   Account number : XXXX XXXX XXXX XXXX Amount charges : {$3900.00} Last 4 digit SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
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: Account information incorrect

Complaint:
I opened an account with credit strong on XXXX XXXX 2021. XXXX bill was not due till XXXX XXXX 2021. I have made a total of 5 payments since that date. That covered XXXX XXXX XXXX and XXXX payments. This company is supposed to help you build credit but they actually jave a deceptive practice and apply your payments to what ever they feel. I was sent statement of account from companyand it shoes clearly that all payments were made and next bill not due till XXXX then they actuall marked me for over 30 when i paid ahead of time. Please have them remove negative marks from credit.

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 2021-03-24
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Santander Bank and XXXX has act in a corporate manner to charge undisclosed fees.

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 2021-12-02
Company: Bread Financial Holdings, Inc.
State: TN
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 have a dispute with Lane Bryant credit card. I ordered 2 items that were never picked up from the store, so I canceled them. I was still billed for them and expected to pay even after I explained the situation to the rep. So I paid what I was supposed to pay and took off the price of those 2 items. The next month, I was still charged for those items and also charged a late fee. I refused to pay it and now it has been several months later and my bill is now XXXX. No one at the company could rectify the situation or explain to me how and why I was still being charged fees for canceled items when my bill should have been at 0.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Ive made a dispute on the XXXX  website and it hasnt been resolved. Ive explained about my payment history Wells Fargo claims i was 30 days late on of XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 when i was never late on any of those months when my dispute was closed they only managed to fix one month which was XX/XX/XXXX Ive had the credit card for almost 5 years and was never late on any payments Wells Fargo was rude when i called to fix the issue so i closed the 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 2021-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX my Capital One account was flagged for suspicious activity because my life partner, who has been sending money to this account for the entire year prior, sent me {$1000.00} for rent. 

His account, which is not attached to mine in any way, was closed due to him receiving a cashiers check and the person then claiming they never gave it to him ( even though it had all his information printed on it, along with multiple communications with the person provided to Capital One.

Capital One has refused to speak to him after months now regarding his issue. 

Capital One is now refusing to release the funds in my checking account, in the amount of {$81.00}, due to him having sent me funds back in XXXX from his now closed Capital One account. They are stating my account is being investigated for fraud because its linked to his account, which again it is not. 

The only response I can get from speaking to Capital One is that the matter is being looked into. The representative in the fraud department, XXXX, kept repeating over and over " the investigator is looking into it. '' I believe someone from the Federal Governement needs to " look into '' Capital One and their fraud department processes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2020, we opened a business account with Suntrust, making the opening deposit the same day. After the initial deposit, 3 additional deposits were made : 1. XX/XX/2020, {$500.00} ( XXXX XXXX Money Order ) 2. XX/XX/2020, {$1200.00} ( XXXX XXXX Money Order ) 3. XX/XX/2020, {$1200.00} ( XXXX XXXX XXXX ) I was made aware on XX/XX/2020, the account was in a " no-debit '' status, after I logged in to see a payment returned of {$50.00}. I called customer service to ask why the payment was returned, when there was more than enough money in the account to cover the charge. The representative was not able to provide any additional information, but guessed it may have been all of the required documents were not in. I explained, all the documents were in, that I had submitted online, and inside of a local branch several times. At that point I requested to speak to a supervisor. The supervisor explains that it looks like the account was going to be closed, and that Suntrust had decided to sever ties with us. She stated it would be 3-5 business days to completely close the account, and I should receive a check for the remaining balance 5-7 business days after that, and she was not allowed to disclose why the account was being closed. Today, XX/XX/2020, I called to find out when we should expect the refund, and I was told the funds were being held. It was implied the money orders may have been fraudulent. I asked how long does it take for them to release the funds, and the customer service representative relied, indefinite. He explained he was not allowed to disclose any additional information. I explained these money orders are payments from the tenants in my rental property, and I would need additional information so I would know how to proceed. He apologized but didn't disclose any information. I called both money order companies to confirm they have been cashed. Both companies confirmed the date of purchase, the amounts, and dates cashed of the money orders. I then called Suntrust to make them aware, and I was told Suntrust would not be releasing any funds. They advised me to tell my tenant to return to the place of purchase to file a claim, and that was my only recourse.

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 2021-08-05
Company: WELLS FARGO & COMPANY
State: WI
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:
WF stated that the COVID19 FORBEARANCE PLANS WOULD NOT BE REPORTED TO CREDIT AGENCIES! NOW THIS XXXX SHOWS UP ON MY SISTERS ACCOUNT BECAUSE I TOOK THIS LOAN WHEN SHE HASNT EVEN LIVED HERE! WF BETTER CORRECT 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 2020-02-24
Company: Navient Solutions, LLC.
State: MN
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 was under a legal guardianship from XX/XX/XXXX to XX/XX/XXXX where the guardian was required by the probate court to approve or withhold approval of any contract as I was legally incapacitated with the inability to exercise the power/right to approve or withhold approval of any contract. As a consequence, any agreement, contract, or other binding document I'd sign without concurrent approval for the execution of the document from my then-guardian would have been considered null and void and unenforceable as my signature alone was not valid during that time. Several Promissory Notes containing my signature exists dated between the above two dates but no evidence of concurrent guardian approval can be located for any of them. My guardian did not sign anywhere on the Promissory Notes or include anything written or otherwise indicating approval. The Promissory Notes all have provisions for handling what is unenforceable. I made demands to my loan servicer for those Promissory Notes do one of the following : provide evidence that my guardian approved the execution of those Promissory Notes, or close all loan accounts and discharge all current balances associated with those Promissory Notes. Loan servicer responded by sending me duplicate copies of the Promissory Notes which were already in my files, but no evidence of guardian approval. I made a second demand and their customer advocate person sent back a letter filled with lies about the contents of the Promissory Notes and the actions of my guardian, not doing anything to abide by either of my demands. Loan servicer is now violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: CITIBANK, N.A.
State: NY
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:
Disputed " chip '' charge on my Citibank credit card in XXXX while on vacation, that was not made by myself. I reported this error within a week of the charge being posted. The card was not stolen or lost. It appeared that when I handed my card over to make purchases, normally at a restaurant, an additional charge of XXXX Euros, by a company I can not identify, or even find via a web search was placed on my card. I wrote to the legal department and they responded that since this was a " chip '' charge, and I did not lose the card, this was a legitimate transaction on my part, and I am liable. They also concluded this is not a billing dispute, so it appears no investigationb whatsoever took place.

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 2019-07-15
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2019 I appeared in court in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ. XXXX Case # XXXX. 
I told the Judge I was denied my right to verify if Midland Funding LLC has a license to do business in the state of Arizona or even if the license is up to date or anything else. The judge stated it had nothing to do with the case. I sent Midland Funding LLC a verification letter via their attorney which I got from the Fair Debt Collection Practices Act, I knew if I sent the letter from them, the questions wouldn't be petty & would be helpful to me. I received a few answers to some of the questions but not anything that was important like their license # an address where I could check out the license to make sure it was up to date or anything else about Midland Funding LLC. Now Midland Funding LLC has filed a Notice Of Service Of Plaintiff 's Rule 121 Disclosure Statement. The judge has completely ignored the fact that my rights were violated / denied. 
The previous complaint that I filed is # XXXX which explains what first happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: Experian Information Solutions Inc.
State: MS
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:
The following information is wrong on my Experian Credit Report. I've been attempted numerous times to get the information corrected with Experian. Experian has failed to give a reason for not changing the wrong information. 

Wrong or Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, MS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MS XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, MS XXXX XXXX XXXX XXXX, XXXX, MS XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, MS XXXX I have never lived at these addresses and I believe these addresses were an attempt of fraudulent activities.

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 2020-02-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Complaint about Chase Branch : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ) XXXX Incidence on XXXX at XXXX XXXX  CST : I have registered on the Chase Paper sheet on entering bank as a First Come First Serve basis. The list shows my name as a registered person. The lady XXXX doesn't want to take as I am not XXXX & 2 other customers ( who came after me ) were attended first at the branch.She was very rude & unhelpful. She removed my name ( darkened it with highlighter ) from the list & asked other bankers to attend XXXX customers. On inquiring, she added my name at the last page on the list I called for the branch manager & she was not in office at that time. She called me on my cell at XXXX XXXX CST. She apologized but it was very pathetic experience & discriminated against me ..since I am not a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: LEXISNEXIS
State: OH
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:
To Whom It May Concern : While reviewing a copy my credit report, I discovered that some of my credit references are not included but have been reported. Please add the following accounts along with my credit history as evidenced by the attached letter from the merchant to my credit report. 
Merchant Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ] of the Fair Credit Reporting Act, there should be no charge for this report because it currently is incomplete.If you have any questions or need additional information, please contact me at the address listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
I am respectfully and humbly asking that Synchrony Bank reverse the following charges made by XXXX XXXX. 

Chest {$540.00} Lift Top Table {$390.00} Wardrobe {$400.00} 5 Year Protection Plan {$290.00} Ive contacted XXXX XXXX on several occasions asking them about the credit of the Chest and to request that they also pick up the Lift Top Table and Wardrobe because both pieces are defective in many ways. However, to date, my requests have been ignored and the company now is refusing to pick up the phone. XXXX XXXX has refrained from taking any amicable action to ameliorate the situation.

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 2021-03-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited 1- {$100.00} and 14XXXX {$20.00} bills on XX/XX/XXXX. the atm made a funny noise and spit out a receipt that said transaction can not be processed contact your financial institution. we called the number on the back of the bank card and filed a dispute. we got a provisional adjustment but the a couple weeks later we got a letter saying that no error occurred and they reversed the provisional adjustment. we proceeded to make a complaint with the branch directly. They were even aware that a problem occured at the time because XXXX XXXX explained to the branch manager, XXXX, that the employee i pulled aside and made aware of the error right at the time. they took our names and contact info and we gave them an image of the atm receipt. we didn't hear anything from them for a week. i called on a monday and we told that they would call us back that day. they did not. i stopped in the next day and they explained that they keep calling the escalations department and keep getting put on hold. XXXX said she will be bringing this up in a meeting. We heard nothing for another week. i called and XXXX said she was bringing it up to her Regional manager in a meeting. she then sent an email to my husband, XXXX, on the XXXX of XXXX saying that we would be getting a call from the esalations departments in the next 2 business days. we have not gotten a call from them yet and it's the XXXX of XXXX. i called XXXX today ( XX/XX/XXXX ) and she said that she emailed my husband this morning saying he be getting a call today from the escalations department. I informed her that we are now filing a complaints to the FDIC and Attorney General. we did not get an email from her as she stated. my husband emailed XXXX and XXXX on XX/XX/XXXX saying that we were very unhappy about how they are handling this and we never got a response from them. Many times they avoid us and they say she's in a meeting or out that day and we never get a response. They did at one point say that their atm balanced for that day but XXXX XXXX stated to XXXX that they did have a discrepancy with one day about a week later that says they balanced but was indeed off {$180.00}. So how can i trust when the bank says that the atm balanced but then they find an error with that system? they are very unresponsive and not transparent about how they are handling it. i had to ask the branch manager how they plan to handle this and what the steps will be. I explained to her that i was aware that money can get stuck in weird places in those atms and asked if they plan to check that. she said she didn't want to go that route.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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 had an old Bank of America card that I never use. One day I got a notice from XXXX that this account was delinquent. I had NO balance on this account and then suddenly a charge for XXXX XXXX appeared, and I never ordered XXXX XXXX. I called Bank of America and they said they would immediately remove the charge and fix the credit report. They removed PART of the charge but left a XXXX charge. WORSE - now the account is reported delinquent for TWO MONTHS. I again called Bank of America and spoke to someone on the phone. As of now my credit score has dipped 60 points solely because of this error by Bank of America.

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 2021-08-20
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I filed a complete with this collection agency and got a response back stating the closed this fraudulent account. They claimed there was a signature yet again was fraudulent. They stated In response from CFPB that it was closed and they are still reporting it on XXXX  and XXXX  not only are they reporting this fraud account they are causing me damages and XXXX. and they are in violation. Enclosed is Proof that they are still reporting this fraud. I will take legal action without further notice.

Company response to consumer: Closed with explanation