BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Hello sir, I have an account at bank of America ( XXXX XXXX XXXX XXXX, Washington, DC XXXX ). 
On XX/XX/XXXX, I went to deposit a check directly to the banker with an amount of XXXX $ ( check number XXXX ) but I found that I got rolled and there is a fraud on that deposit because the banker deposit the amount of XXXX $ what means that the banker took XXXX dollars from my account. Also the bank debited the amount of XXXX from my employer. 
I have been trying to contact the bank and cooperate with no success. I have been told that they will verify and get back to but never gave me my money back since I filed the complaint in XXXX. 
I really appreciate you assistance and help on this frustrating scam matter. 
Best 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 monetary relief
Consumer complaint received 2018-06-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing a few items on ALL three credit reports and each time the reporting agencies would send back letters stating the information has been verified. When I, would send these companies letters asking how was the info. verified? I have a collection that is reporting to ALL three agencies by the name of XXXX XXXX. It ALWAYS comes back verified and when I, ask this company for the same information, never received it from the Creditor ( XXXX XXXX ) or the collection agency XXXX. I have sent these three agencies letters asking for them to show me that information that they received to that verified this item but was never supplied it. From XXXX, XXXX and XXXX I, have documents showing me asking can they investigate this item and prove 100 % that it is true and accurate to be on my reports. This is a violation of the, Credit Bureaus has violated my rights of the FCRA Sec. 604 a, 3. also by not correcting or refusing to do a full investigation after explaining XXXX has different status as to closed acct. and open acct. and had not been properly validated and still was able to be reported to ALL of these reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: CITIBANK, N.A.
State: IL
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:
On XX/XX/2021 I was notified by my credit protection agency that The Home Depot Company issued a HARD INQUIRY on my credit history with XXXX. 
I believe my SS # has been hacked because a few months ago some one filed an unemployment claim in my name with the state of Illinois Unemployment Insurance. 
I contacted The Home Depot Company asking them to provide proof that I was the individual requesting their Credit Card but they weren't able to prove it. 
One of the facts that proves fraudulent intent is that the application to open a Home Depot Credit Card account was denied due to : Unable to verify information. 
Based on the above mentioned facts I reached out to XXXX  requesting the removal of the HARD INQUIRY but they refused!

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 2021-05-03
Company: Aargon Agency, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Second time complain : issue was never resolved Debt was never verified HIPPA was never received FDCPA and FCRA violation Metro-2 ans eOscar violation Please investigate this matter accordingly

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 2020-07-08
Company: SYNCHRONY FINANCIAL
State: UT
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:
SYNCB/JCP - XXXX is reporting 30 day late 's on my account. I was not aware of these late 's, i never received a notice or call from synchrony Bank. I make my payment 's on time and was not late on this account.I should not have these late notations on 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 2021-05-03
Company: Social Finance, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen by someone and they open two accounts with Sofi lending company, Social Finance Lending. We have sent documents supporting that fact six or seven times. The police report, the identity theft report any other supporting documents. They keep sending it to another attorney and another attorney. This has been going on since 2015. They quit collection process on one of the loans and acknowledged it was fraud but now they're trying to collect on the other loan. If they acknowledged the first loan was fraudulent they should acknowledge the fraud on the second loan.

We demand that they stop the collection process and quit ignoring federal law immediately. We hand-delivered a 35-page folder of all the documents. They were delivered to XXXX XXXX Senior Site Leader. She is in the XXXX XXXX, Utah office. The documents also mailed priority to their current attorney XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Consumer Portfolio Services, 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 sent my first letter to Consumer Porfolio Services XX/XX/2018. I also sent dispute letters to all credit bureaus reporting this information form CPS. 

CPS is reporting inaccurate information related to an open account. 

CPS has not provided me with proper documentation by virtue of my signature on contract binding me to this negative account. 

Consumer Portfolio Services are now in violation of the FCRA and continues to be in noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: Lending Club Corp
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft. Someone open several accounts under my name without my authorization. I have no idea what this debt is about. Will like this company to stop calling me and sending me collection letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This is about a promotional credit card bill. XX/XX/XXXX statement amount was {$190.00}, paid {$60.00}. XX/XX/XXXX statement amount was {$130.00} + {$42.00} a non-promotional purchase. Total amount of {$170.00}, paid {$60.00}. XX/XX/XXXX statement amount was {$110.00}. Should have been {$110.00}. I was charged {$1.00} interest on the {$42.00}. They posted the {$60.00} toward the promotional amount, instead of the interest bearing amount first. The federal credit card act of XXXX requires the credit card companies to post to the highest interest amount first. XXXX XXXX has tried to do this to me before, for XXXX and XXXX XXXX XXXX. I imagine XXXX XXXX has done this to many others. They fixed this XXXX problem for me today. It happened at XXXX XXXX XXXX over two years ago. To this day, they continue with the same routine, disobeying the law. 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 2022-08-08
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I would simply like to know how Wells Fargo justifies the demand letter sent on XX/XX/XXXX, and the attached call recorded on XX/XX/XXXX when there had been no decision on the PPP loan forgiveness review until today XX/XX/XXXX, and no decision letter sent til XXXX of 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 2020-04-04
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2018-06-27
Company: EOS Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collections Agency = EOS CCA ( Original creditor = XXXX XXXX ) XXXX XXXX XXXX XXXX, MA XXXX Date : XX/XX/2018 Amount : {$160.00} This debt is not mine nor have I ever received any type of documentation or communication regarding this matter. This is in direct violation of collection activities and FDCPA governance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Credit reporting agencies are reporting inaccuracies to my credit report and it is hindering me from obtaining additional credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: Sarma
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Sarma Collections Inc has a negative mark on my XXXX  credit report which is preventing me from acquiring new credit. I have sent a check for the full amount in promise for deletion yet account is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a new mortgage that was taken out through XXXX ( XXXX XXXX XXXX XXXX ). Their service was great. I was advised by them that my loan would be sold to a mortgage servicer once I closed, which was fine. I was also advised on the benefits of setting up bi-weekly payments, which for me is how I have to pay my mortgage to make it fit into our budget. I am the sole provider for a family of XXXX and I make enough for the family to survive and be able to save just enough. Once I received my first bill from Rushmore Loan Management Services I  immediately called, more than a month before my payment was due to setup automatic bi-weekly payments on my paydates. I was dismayed when the customer service agent advised that their company does not offer bi-weekly payments and that if I made bi-weekly payments they would hold the funds and not apply it to the mortgage until a full payment was received which is ludicrous. If any payment is made it should immediately be applied to the loan regardless of the amount. Additionally, I should have the option as advised by XXXX XXXX to make bi-weekly payments. The customer service agent stated that they have received several complaints from their customers for a lack of offering bi-weekly payments and that their management staff was 'looking into it '. I hope this complaint serves as motivation to 'look into it ' a little deeper. If a response is not received I will follow up this complaint with complaints to many other government agencies that may have jurisdiction over Rushmore Loan Management Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a loan on my house. It was supposed to be paid off by XXXX, XXXX. Ditech bought my loan. I noticed that the escrow account was high. They say that they sent me a letter stating that it was in default by XX/XX/XXXX, but I didn't see the letter. I kept going on the website and paying them. Today, XX/XX/XXXX I was contacted by them, and they stated that they were putting me into default on XX/XX/XXXX. They refused to take the final payment on the house, which is XXXX. They said they wanted XXXX by next week. I begged them to let me continue paying on the escrow, and they said no. I spent a long period of time on the phone with XXXX, and she kept getting off to talk with someone else. I bought the house in XXXX, and it was paid off in 24 years. the house was paid off on time ; they NEVER asked me to increase the amount of payment on the escrow, and now they're tacking on late fees. I always answer the phone, and I was on the website repetitively. I would have been glad to remedy this : now they're going to ruin my credit. I think they are pursuing predatory lending policies and I want someone to help me. I do not have enough time to get the loan for the escrow amount before the principle which they refuse to let me pay off goes into default.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX I got a letter from XXXX XXXX stating the account ending XXXX I wasn't responsible for any pervious and further balanced on this account due fraud. But now I have a collection on my credit report from LVNV Funding LLC/ Hasted XXXX XXXX still showing I owe for this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Collection Bureau of America Ltd.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
OnXX/XX/2018 I was reviewing my credit report and noticed that CBA COLLECTION BUREA was reporting and account that is a result of fraud. Upon further review, I contacted the original creditor, XXXX XXXX XXXX XXXX XXXX, and they had the wrong address and their records their records did not match. I was informed that the account was sold to CBA COLLECTION BUREA and the was no longer their books that I had to contact CBA COLLECTION BUREA which I did. I first spoke to a XXXX. I notified him that I was calling because there's an fraudulent account being reported on my credit file. Upon him locating the file he proceeded to request a payment and how did I plan to pay for this debt, that they take credit cards. I was so upset that he totally disregarded the fact that I noticed him that this was a frauduant account. Thats when I requested to speak to a supervisor. I was transferred to a XXXX XXXX who gave me boilerplate information and was requesting a police report and proof of residence for the time of service. I asked her to red flag the account and to stop the collection attempts. She agreed to send me a ID Theft packet. My biggest concern with this collection company is that they are trying to collect and account that is not mine and the fact that they have reported a fraudulent account to my credit report which has affected my employment due to the fact that my job is credit sensitive. I concluded the call but did informed that I will be filling a complaint and a FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 am attaching a copy of the letter I sent to the credit bureaus on XX/XX/XXXX. THey have not responded yet. Its been longer than 30 days.

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 2018-04-24
Company: FIRST NATIONAL BANK OF OMAHA
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
FNB has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
DEAR CFPB- This is a Follow-up on our XX/XX/2018 Complaint - # XXXX about Capital One Card services. 

( The CFPB site does not have a way to submit follow -up documents and this is a very large claim, and you have said that Capital One Financial Corp is 'still working on our issue ' ). 

We received a Letter from You Dated XX/XX/2018 and would like to provide some further documents and evidence, on our Case against - CAPITAL one for the forced- Rebill of {$2300.00} that we do not owe! 

Please see attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02
Company: MoneyLion Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I received a loan from Money Lion aka dba XXXX XXXX in XX/XX/XXXX. I lost my source of income and was unable to make the bi-weekly payments. I called them on XX/XX/XXXX to request that they not draft from my account and was told they were unable to stop drafting until I paid off the loan so I then contacted my bank and put a stop payment on the account. 4 and explained that I asked them to stop drafting from my account which my contract says I can do over the phone. Months later this company drafts my account twice on XX/XX/XXXX for {$270.00} and XX/XX/XXXX for {$230.00} ... Keep in mind my payments were {$63.00} every two weeks. I then called my bank disputed the charges and requested that my bank block them from drafting from my account. XX/XX/XXXX CHECK # XXXX was processed for {$500.00} I contacted my bank and was told because I owed them they have the right to go into my account a withdraw any funds they wanted. Even though I revoked their authorization to do so. I bank with XXXX. This money was for my rent that I now do not have and basically, I am being told by my bank that any creditor I owe can just take the funds out of my account if I EVER gave them authorization regardless of the fact that I revoked it.

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 2021-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
I have been a customer with Capital One now for about a year, and have been making on time payments. However for the months of XXXX and XX/XX/2021 I have received two late payments. The problem is that these late payments were due to the fact that I was having immense trouble actually paying my bill. Every time I schedule a payment to be processed on the app I choose the payment to be processed the next business day. 

However the payment always get charged at completely random days and times. I will schedule the payment the next day and it will try to deduct the funds from my account sometimes a week later! The payment system is very unreliable and has caused me to miss two payments already, as I will have the right amount in my checking account to pay my bill but the charge doesnt occur until days later causing the payment to decline due to my checking account balance being off sometimes by a few cents. 

I eventually found a solution and had to settle with a company named XXXX to submit the payments to Capital One for me which is a major inconvenience, as I dont think its fair that I have to carry around two late payments because the companys payment system does not deduct funds on time. I would like to remain a customer I love Capital One a lot. I just would like this issue acknowledged as my credit report is very important to me, and I truly care about paying my bills on time. 

The company itself I have no issues with. They are friendly and its a good credit card. I would like to remain a Capital One customer for the rest of my life. I just wanted to bring awareness to the payment limitations as it has probably caused others to become late on their payments as well. Thank you and I humbly ask that you help me resolve these late payments as I am a loyal Capital One customer. 

Thank you

Company response to consumer: Closed with explanation