BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-23
Company: WHEELS FINANCIAL GROUP, LLC.
State: UT
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX is trying to collect on a debt that was identity theft. I have sent them several documents told them and several of their collection people who are coming to the my house that it was fraud. I have sent them documentation as well. It's on my credit report they won't remove it. The last report I filed they said that wasn't even their account. As far as I know I think the vehicle they may be looking for has been wrecked and destroy. I do know this was identity theft and I never took a loan out with them. We have a car that is similar in description and I'm afraid they may try and take it and make a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: SYNCHRONY FINANCIAL
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/2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair 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 2020-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2020, My debit card from XXXX by Bank of America was declined, when I checked on the Bank of America app I noticed that there were 3 ATM withdrawals on XXXX and XX/XX/2020 each for {$1000.00} from my account and bank suspended the account after that. 
I called the bank on XX/XX/2020 @ XXXX and told them, that I have my debit card and how they take money from my account, they said you have to make a complain tomorrow since it is Sunday and they close now. I called Monday morning @ XXXX, and after 1 hour and 37 minutes finally someone answered and after so many questions they transferred me again it took 45 minutes to contact to someone else, again question and transfer again till after 3 hours and 34 minutes I filled a complain. On XX/XX/2020 I received a letter from Bank of America that said my claim has been closed, so I called again and after almost 2 hours someone answered and she said that you have to write a letter and request to reopen my claim and request to get the ATM camera footage. So I mailed and faxed the request on XX/XX/2020. And I waited till XXXX XX/XX/XXXX called to find about the status of the claim and after 1 hour and 47 minutes on hold finally someone answered and she said that because you didnt ask for escalation your claim is not active, so again transferred me to someone else and after 45 minutes on hold finally they made another complain # for me and said I have to wait. And I called after 3 weeks on XXXX XX/XX/XXXX and again I was on hold for 2 hours the lady said you have to wait, it might takes to 3 months for answer, and when I asked about the hold time on phone, she said our answering service is in XX/XX/XXXX and since you are in XX/XX/XXXX its better to call at 5 in the morning before we get busy, since we have lots of complains and not much people to work. So I called again on XX/XX/XXXX at XXXX XXXX, it takes 25 minutes to talk to someone, and still they said I have to wait, and since I told her about my situation, and that this XX/XX/XXXX money is my only source of income and itd XX/XX/XXXX times, and I have bills to pay, she filed a hardships note on my claim. 
Today is the first of XXXX, and I am still out of my money and I dont trust 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 2018-07-12
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In XX/XX/XXXX I began to receive notifications from Citibank asking me to update my personal information. Since XX/XX/XXXX I have received approximately ten different notifications. Each time I received a notification I went personally to my Citibank branch and updated my information. In XX/XX/XXXX, I received a letter from Citibank stating that my one of my three accounts had been closed and there was a check for the balance of my account. A few days later I received another letter cancelling my second account with a corresponding check. My third Citibank account is a CD which I have not been able to access and I have been told I will not be able to receive those funds until XX/XX/XXXX. No one at Citibank has been able to clarify why my accounts were closed, why my third account ( CD ) can not be canceled immediately without any cancellation fine or penalty, and lastly if Citibank will reimburse me for the checks and the corresponding fines for the checks I issued before my accounts were cancelled. Had there been a serious problem with my personal information, why wasn't the CD account cancelled as well? I never received any prior notification of my accounts being cancelled nor any explanation.

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 2021-01-26
Company: RS Clark and Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, RS Clark and Associates reported a collection account for XXXX  XXXX in the amount of {$540.00} on my credit bureau file. On XX/XX/XXXX, I sent a letter to RS Clark and Associates disputing the debt and requesting validation. They did not respond. In XX/XX/XXXX, I sent a certified letter to RS Clark and Associates disputing the debt again and requesting specific information be provided to me ( see attached ). Again, they did not respond. Pursuant to the FDCPA, they were required to respond to my request within 30 days. To date, RS Clark and Associates has never contacted me or sent any information regarding the validation of this debt. RS Clark and Associates has violated multiple FDCPA laws. RS Clark and Associates has a history of complaints at the CFPB of violating consumers ' rights by not conducting business practices in compliance with federal and state laws regulating consumer collection agencies. I am requesting that this company be investigated and that the account be deleted from my credit bureau file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: EQUIFAX, 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:
EQUIFAX MUST RE-DELETE XXXX BY XXXX ACCOUNT, THIS ACCOUNT WAS DELETED ONCE BEFORE AND WAS PAID IN FULL BY XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: Weinberg Mediation Group LLC
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2018 at XXXX XXXX. from and XXXX left me a voicemail which INCLUDED last digits of social security number. 

Voicemail is saved for documentation purposes.

Company response to consumer: Untimely response
Consumer complaint received 2020-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm having a hard time getting the credit bureaus to process my paperwork. Every time i call and ask if they have received my information that i've mailed, they tell me no.

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 2018-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am writing this in reference to my account. My name is XXXX XXXX a XXXX year old XXXX Florida resident who on XXXX XXXXXXXX2016 with the help of my daughter setup an online account with Capital one and deposited {$1500.00}. I have since been unable to access those funds either online or via my phone and have been unable to get the funds refunded to me or my daughter the depositor of the funds. 
As a senior citizen, XXXX and not savvy with the internet and even though I had an account in a regular brick and mortar bank was convinced by my daughter that based on her experience she could get better saving rates using an online bank and so my daughter assisted me in setting it up, however for mysterious reasons Capital one has retained those funds for over a year, refused to refund them to me or my daughter, suggested we get pop money - the service that was used to deposit the funds to reverse the funds even though pop money offers no such service after 60 days especially not for transactions that go through successfully. 
It is quite apparent my funds have been illegally seized and retained. 
Since I am on a fixed income and have had trouble paying some bills and unable to purchase some medication because of this money I have no access to because I am being denied access by Capital one, I have suffered a lot of hurt.They wont even give me my full account number. 

I have researched and seen that I am also completely protected by Florida Statute section 415.1111 and Florida Statute section 501.2077 and it appears I am being taken advantage of due to my age and XXXX. 
I would like to kindly request that the funds are disbursed and refunded to me at the address I provided on my account, the other option would be to issue the refund check or deposit to my daughter the initial depositor of the funds. If there is a problem with establishing my dentity they can request copies of my state id and or ss #, no one at the bank has requested any of that or provided that option, the only consistent message I have heard is that my money is being retained for over a year with no interest which amounts to a XXXX. 
My information is below : Name : XXXX XXXXe Zip code : XXXX Last 4 of SS # : XXXX Please let me know if you have any questions and I hope you respond to this request promptly. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
BMO Harris Bank seems to have the practice of promising bonuses they have no intention to honor. In this case, they offer a small bonus [ {$50.00} ] for opening a savings account with them by XX/XX/XXXX.  I opened such account on XX/XX/XXXX, with {$1000.00} and have kept that money in the account to this day. Five months later, they haven't honored it yet I have received, though, XXXX CENTS in interest rate during this period of time. But, no bonus.

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 2020-12-01
Company: U.S. BANCORP
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:
XX/XX/XXXX On XX/XX/XXXX of this year, we purchased a XXXX travel trailer believing it had a clear title. After completing paperwork, paying {$780.00} registration, and waiting a very long time, the DMV finally informed us that US Bank NA had a lien on the trailer. 

Working with the dealer and the daughter of the original owners ( One of the original owners is deceased and the other is in ill health and cared for by her daughter. ), we have been trying to secure the lien release since XX/XX/XXXX. 

It appears that US Bank can not find record of the original loan. On XXXX, after many calls, the bank finally asked for evidence that there was a lien. That same day we faxed the incomplete registration form stating that A LIEN SATISFIED IS REQUIRED FROM US BK NA along with Application for Duplicate or Paperless Title, and bill of sale ( both signed by the owner ), the last renewal notice from DMV and a letter I sent to the original owner.

US Bank gave no response. I called again XXXX and was told to email the same information I faxed in XXXX, which I did. After assurances that I would hear something in a few days, no communication came. 

My husband and I are retired and have put over {$11000.00} into the trailer, a trailer that we can not use or sell. All parties involved in this sale have spent time trying to secure this lien release. Obviously, my husband and I should never have purchased the trailer without a pink slip. However, it seems that the Bank has an obligation to resolve this issue especially since the family of the original owners have also requested the release.

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 2022-08-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federally protected Consumer, I am here to contest any alleged claims that you are now listing as consumer debt on my credit report.

The Consumer requests verification in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Section 809 ( 8 ). ( FDCPA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01
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: Information belongs to someone else

Complaint:
I submitted Identity Theft affidavits and police reports on XX/XX/2020 ... .I have never filed Bankruptcy or had any of the accounts listed in the following attached documents ... Clerk of courts even stated that they haven't supplied any such information to either of the 3 bureaus. The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

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 2020-05-24
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX  account for {$4000.00}. Someone used my name and I paid for it 10 plus years ago. Its needs to fall off my 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 2018-03-04
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter to Transfinacial Inc in regards to XXXX XXXX XXXX requesting that they Validate NOT Verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation proving that this debt belongs to me. I have had no direct response and I have contacted multiple times on XX/XX/XXXX XX/XX/XXXXand XX/XX/XXXX I got a billing ledger in the mail which does not prove that I am obligated to pay them anything. They have consistently continued to report delinquent information sinceXX/XX/XXXX to the credit bureaus which is negatively impacting my score and I am asking it to be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
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 have filed a dispute regarding incorrect information on my credit report. It has been well over 30 day and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In reference to complaint number XXXX where i was not able to open the attachment. I finally did get to the attachment and opened it but it was a duplicate response of another complaint and did not address the tactics of calls being received on my cell phone number XXXX so it did not address the problem at all. The response again was a duplicate to this complaint number XXXX and i am not satisfied due to issue not ever being addressed about receiving calls to my cell phone number which is not allowed. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Greetings, on XX/XX/XXXX I filed a fraud claim with my banking institution in regards to my phone and credit cards stolen and they have responded that my claim is not fraud, now mind you I file the incident on the XXXX of XXXX and they responded to me back on the XXXX of XXXX without even contacting me to find out if I am ok or to find out what really happened to me as a customer. 
I had XXXX on the XXXX. of XXXX and I've been under XXXX XXXX to help alleviate my suffering. I will attached all documents and dates so you can see that I have been in and out of the hospital and also, I caa n't even XXXX because I have been diagnosed with XXXX XXXXXXXX XXXX of the XXXX and it is in both ( XXXX ), now, I can't move the only place I have gone is only the hospital for XXXX, removing XXXX, more XXXX and tests and so on. 
Navy Federal is so unjust, I filed also another claim for {$42.00} for a store purchase that sold a damage item and I return it back to the store the following day and I made sure to call Navy Federal the same time and instead of them fighting for me they are putting through pain like I am the crook, they don't fight for us military and our families, they are only interested in making money from us and that is all that is important to them. How can you say you are here to serve the XXXX XXXX and yet you are the one that is allowing for others to mistreat us and take our hard working benefits. 
I have my direct deposits going to Navy Federal every months and it is above XXXX dollars where they are benefiting from interest from evereyone 's benefits and earnings. So Navy Federal be fair and just and don't treat us like the criminals, I know you have a lot of power you're a big company but it is not the reason to step on the little people. 
I don't need to make any stories I am an honest individual which is why I am attaching all the documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: CBC Companies, Inc.
State: WI
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:
There is a recent inquiry on my credit report from factual data that i have not authorized. When i contacted factual data i was informed they pulled my credit as a third party from a mortgage company. I rent my home and am not interested in purchasing at this time. I HAVE NOT APPLIED FOR ANY MORTGAGES EVER IN LIFE. factual data offered no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: TD BANK US HOLDING COMPANY
State: MA
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:
Just the other day I ran an XXXX  credit check and much to my surprise, I had issues on my report. There was a joint application for a closed TD Bank N.A. account with {$2400.00} left outstanding. I called the US credit card fraud service and after an hour+ was asked to call the cross borders number and after another hour + was told that this fraud was not on a XXXX card since the only info I have is the first six digits from the XXXX  report - XXXX. 

I have attached the printout and the following is all I have on my side : Credit Card : TD Bank N.A. 
My name is XXXX XXXX XXXX. I go by XXXX XXXX. 
My last four digits on my social is XXXX. 
It says it was a joint application. The only joint application would be with another of my family - XXXX XXXX, XXXX, XXXX or XXXX. No other joint would I go after My address is XXXX XXXX XXXX in XXXX, MA XXXX The address that is on my credit report that is not mine is XXXX XXXX  XXXX XXXX, XXXX, NC XXXX.This may be a way to lookup the past fraud. 
I also have an employer on my credit report as XXXX XXXX The account was opened XX/XX/XXXX. XXXX The account was Closed in XX/XX/XXXX There was a remaining balance closed of {$2400.00}. 
My email is part of the email and I can be contacted by cell phone at XXXX.

Company response to consumer: Closed with non-monetary relief