BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-10
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Deposited 4 checks of XXXX each totaling XXXX I intended to deposit 2 into checking and 2 into saving however all 4 went into checking which I assume drew a red flag, I made my deposit on XX/XX/XXXX which was pose to be available XX/XX/XXXX however when I logged into my account it was blocked I then called XXXX who stated that my funds required an additional hold and that funds would be made available XX/XX/XXXX my account would remain locked til that time, however on XX/XX/XXXX I logged into my account and it was still blocked I again called XXXX which then stated that my account would be closed due to federal rules and regulation and that I would received my remaining funds in a check from SunTrust however when I received my funds they were only for XXXX?? from checking and XXXX from saving reached out to XXXX again for the deposit of XXXX was never sent they then stated my deposit was fraud and would not be released until XX/XX/XXXX because they were unable to verify the checks deposited into the account although the checks Cleared my account and the check issuer XXXX XXXX have not stated that the funds did not belong to me nor have recalled payment of those funds from this account. Filed complaint with CFPB who put me in touch with XXXX XXXX SunTrust a SunTrust Client Advocacy Team who never answered his phone to hear my side only responded with an email stating he decided to stand by his company decision to retain my funds til XX/XX/XXXX unless I provided a credit card statement for each transaction which is unable to be provided per issuing company XXXX XXXX these are refunds from gift cards which are unregistered however they ( XXXX XXXX ) have stated they can provide validation verification of the funds issued to me to SunTrust Bank however SunTrust stated that XXXX XXXX  need to recall and reissue the funds which they have no way of doing once the funds have been issued off the gift card, and will not provide nor accept the information needed to verify the 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 2018-01-10
Company: EQUIFAX, INC.
State: TX
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 worked hard to get my credit score in the Excellent range in the low XXXX 's. Within weeks my score dropped from 89 to 175 points Equifax : XXXX in XXXX XXXX, XXXX to XXXX XXXX XXXX, XXXX ( 89 pt drop ) XXXX : XXXX XXXX XXXX, XXXX to XXXX XXXX XXXX, XXXX ( 175 pt drop ) I contacted Equifax and XXXX to understand why my credit score was decreased so much so quickly since there has been no major problems or changes to the account except for paying off a car loan ( with NO late or missed payments over a 5 year period ) and opening a new account for another car purchase. 

I have tried to obtain information from Equifax and XXXX yet they can not find anything that has changed and refuse to correct the score. They have refused to help or even tell me how to fix the problem. Equifax also has claimed I have put a freeze on my account in XXXX with a special " code ''. I do not remember doing this. 

I need my credit score corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: Experian Information Solutions Inc.
State: IL
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:
On or about X/XX/2017 I submitted a dispute on a student loan incorrectly reporting to my credit file. The following account was claimed by the credit reporting agencies to have been investigated when all indications say it was not. In the recent past if I disputed an item that company contacted me about the dispute. I have asked the company directly to give me an account status with no response. In a phone contact, I asked if there were contacts from the credit reporting agencies, the answer was negative. I feel that because the business of the credit reporting agencies is to report bad credit they do everything possible to maintain it even when it is unverifiable and incorrectly reporting. Multiple requests for the Method of Verification went unanswered. 

XXXX XXXX Please remove this file from my 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 2019-04-17
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am trying to remove the insurance I pay for the lender on my home loan. 
Wells Fargo will not let me get a new appraisal on the house. 
The only one they will consider is the appraisal from the date of closing. 
I have had this loan for 6 years.

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 2020-07-16
Company: DISCOVER BANK
State: MO
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:
I was approached via email and telephone about an employment opportunity with XXXX XXXX XXXX  XXXX XXXX as a XXXX XXXX. I was offered a position and accepted. The company stated they were going to pay my personal credit card balances so that I could purchase XXXX products for export. Two separate bank accounts were provided and both have reversed charges back to my credit card. 
I am now {$43000.00} in debt to Discover, {$16000.00} in debt to XXXX, and {$13000.00} in debt to XXXX XXXX XXXX  XXXX XXXX. 
I have filed a report with the FBI.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent 3 certified letters and the company has violated and failed too : Required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which the company signed for my letter 3 times. I have retained a copy of the signatures and date of receipt, as well as a time-stamped copy of my credit reports, showing that company has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section. 


This company has violated and is in non-compliance, per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

This company violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, and the company must now remove the item. 

Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

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 2017-09-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I scheduled a Bill Pay transaction through my bank to pay my local electric company on or about XX/XX/XXXX for the payment to arrive on or about XX/XX/XXXX. My payment failed due to non-sufficient funds and I was charged an NSF of {$29.00}. I am fine with this as it was my responsibility to ensure funds were available.
What accompanied this charge was an email 2 days later from my bank stating their Bill Pay Vendor had paid the bill on my behalf and that I would be charged to my bank account again. I had since paid the original bill with the electric company and contacted my bank to advise they needed to cancel the Bill Pay transaction. I advised them that no further attempts on my bank account were permitted for this transaction and yet I was charged another NSF for this even after I advised to stop payment.
I feel this is unlawful and deceitful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I AM A VICTIM OF ID THEFT. MY INFORMATION WAS COMPROMISED DURING THE 2017 XXXX DATA BREACH. I HAVE ENCLOSED DOCUMENTS TO ASSIST IN BLOCKING INFORMATION FROM BEING REPORTED ON MY CONSUMER 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 2020-12-23
Company: ALLY FINANCIAL INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
On XX/XX/2020 the vehicle was repossessed due to lack of payment. However, on XX/XX/2020 I entered enter a chapter XXXX bankruptcy ( XXXX ). When I called Ally on XX/XX/2020 I was told by a representative that the vehicle was transported to Auction on XX/XX/2020. After calling Ally for days, all of a sudden they released the car to me on XX/XX/2020. When I went to retrieve the vehicle my tags were missing and not with my property that they removed from the vehicle after repo. I filed a police report ( XXXX ) with the XXXX County Police Department on XX/XX/2020. On XX/XX/2020 Ally contacted me and advised me that the expired tags had been recovered. Since the tags were expired I needed to apply for new stickers in order to drive the vehicle legally. On XX/XX/2020 I was told by the MVA that Ally Financial had registered my vehicle in another state and that I could not register the vehicle at all.

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 2019-04-17
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: Information belongs to someone else

Complaint:
THE ACCOUNT DISPUTED DOES NOT BELONG TO ME. I NEVER HAD XXXX AND I WANT THIS ACCOUNT TO BE REMOVED OFF MY CREDIT FILE.

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 2018-01-10
Company: NCB Management Services Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
THIS IS NOT MY DEBT AND I AM NOT THE PERSON THEY ARE TRYING TO CONTACT.

NCB Management has repeatedly, often daily, called my workplace asking for someone named XXXX, who does not work here. I have told them repeatedly that XXXX does not work here, that I do not know such a person, and that they are calling a workplace and need to stop disrupting my work. However, they have completely ignored my requests for over one month. The repeated harassment is disruptive, infuriating and against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
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: Information belongs to someone else

Complaint:
IAMAVICTIMOFIDTHEFT.MYINFORMATIONWASCOMPROMISEDDURINGTHE2017EQUIFAXDATABREACH.IHAVEENCLOSEDDOCUMENTSTOASSISTINBLOCKINGINFORMATIONFROMBEINGREPORTEDONMYCONSUMERREPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XX/XX/XXXX, I called Capital One to pay off my full balance. At this time I had an overdue fee and asked the rep to waive it if I paid the full balance. We discussed also making sure to calculate the full balance including the interest and I made a payment that should have left my balance at XXXX. 

I have had this account since XXXX and have been a great customer. I have had times of hardship but always made sure to get my account paid off and have paid my membership fees and interest, and several late fees over the years. 

When I have been late in the past, Capital One has issued emails, texts, and phone calls very quickly. 

From XXXX until XXXX, I received NO LETTERS, EMAILS, CALLS, or TEXTS relating to me that interest of {$3.00} hit my account and continued to accumulate interest over the next several months until my account was closed for UNDER {$6.00} for non-payment. 

When I tried to use my card in XXXX, it didn't work. I tried again in XXXX and then logged into the app that showed my account was CLOSED with a XXXX balance. I was so confused. I called Capital One and they were confused. I had to call back to speak to a manager the next day. They were surprised about what happened and helped file an appeal for the decision. A few days later I got a call letting me know the appeal was denied but they could not share the reason and a letter would come in 7-10 days. 

It was at that time I felt it was time to file a complaint and get this hopefully, resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
XXXX/XXXX/XXXX - Initiate a withdrawal of XXXX USD XXXX/XXXX/XXXX - Company sends two automated emails. One confirming the withdrawal with a reference number. The second email saying they are unable to process because of a name mismatch. ( See attached " Company correspondence 1 '' and " Company correspondence 2, PDF Files ) XXXX/XXXX/XXXX - Contact support. I had since updated my account details and ensured that my CoinBase account details match my bank details. Support does not answer my question and thinks I am trying to suggest a new feature for their platform. ( See attached Support Thread 1, PDF File ) XXXX/XXXX/XXXX - Automated email saying that the transaction can not be proccessed. The company is still saying the names do n't match. ( See company correspondence 3, PDF ) XXXX/XXXX/XXXX - I receive another email out of the blue about a {$0.00} purchase. I do not know what they are referring to. ( See company correspondence 4, PDF ) When I log in to my account, it is now locked and not fully functional. The withdrawal was canceled, yet my account balance is {$0.00} and I can not view my account or withdrawal history. There is no way for me to re-initiate a withdrawal, and the company refuses to tell me specifically what is wrong with my account details, and how I can fix it. The money is simply missing now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA. My next step is to contact a consumer protection attorney unless the matter is resolved here. 
Debt validation requests were sent on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been paying a {$30000.00} consolidated student loan since XX/XX/01. 18 years and 2 months. 

I recently calculated my payments using the Navient Account History for the Life of the Loan. I have paid {$52000.00} ; {$18000.00} in principle, and {$33000.00} interest. 

Navient says I still owe them {$20000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/XXXX, I sent a dispute letter to the below creditor company to dispute a fraudulent charge of {$70.00} on my closed XXXX XXXX Store Credit Card account : Creditor Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I did not make this charge. I requested the above creditor, SYNCB/XXXX, that the charge to be removed from my credit report, that any finance and other charges related to the fraudulent amount be corrected to the amount paid of {$23.00}, as well, and that I receive an accurate statement. Additionally, I closed my XXXX XXXX account as of XX/XX/XXXX. My XXXX XXXX account has been INACTIVE and CLOSED since the end of XX/XX/XXXX to present day. 

I sent XXXX letters with the below documentation to SYNCB/XXXX with USPS tracking ID, but did not get any response from SYNCB/XXXX. I tried calling, but representatives did not provide a valid case ID to followup. The company remains inactive about my case. 

Enclosed are copies I sent to SYNCB/XXXX supporting my position. 
Item 1.1 : Picture evidence of a check I wrote on XX/XX/XXXX to the amount of {$23.00} and sent via mail from XXXX XXXX, XXXX XXXX XXXX, # XXXX, New York, NY XXXX to the following address XXXX XXXX Visa/SyncB, XXXX XXXX XXXX XXXX, FL XXXX Item 1.2 Picture evidence of the bill of my XXXX XXXX Visa bill of {$23.00} purchase on XX/XX/XXXX with the following information Reference number : XXXX Description of Transaction or Credit : Old XXXX XXXX XXXX XXXX XXXX NC Apparel/Accessories Womens Active Active Bottoms Fees : {$0.00} Total Fees for this Period : {$0.00} Item 1.3 Continuing picture evidence of my bill Item 1.4 Continuing picture evidence of my mailed check of {$23.00} to the following address XXXX  XXXX Visa/SyncB,  XXXX XXXX XXXX XXXX XXXX FL XXXX Item 1.5 Screenshot from my XXXX on the day ( XX/XX/XXXX XXXX XXXX EST ) that Items 1.1-1.4 were photographed for accuracy and quality assurance purposes.

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 2019-07-28
Company: CREDIT ACCEPTANCE CORPORATION
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2018 I had an automobile accident. From the date of the accident until now, the auto loan company credit acceptance no longer dealt with me. They sent the wrong amount owed on my vehicle to my insurance company and in return collected the wrong amount owed. They then tried seeking collection from me In which i filed a complaint against XXXX with the Arkansas board of insurance. They contacted XXXX whom paid this vehicle off in full. This should not be a negative impact against my credit. I was not at fault for their miscommunication and now I'm suffering from the effects. Please help me remedy this 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 2019-04-17
Company: SYNCHRONY FINANCIAL
State: IL
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:
My credit report is showing two tradelines for SYNCB/TJMaxx. ( Please see pages 2 and 3 attached. ) One card is charged off in XX/XX/2018 with a balance/past due balance that is incorrect. I went to TJ Maxx one time, forgot my card and they looked me up in the system. The account was a {$0.00} balance so they opened up a new card for me in XX/XX/2018. Now the balances, past due amounts, status and dates of last activity are all incorrect. In addition, they are reporting a balance on the card that was charged off even though they have sent it to a third party collection agency. This is illegal. I believe that someone fraudulently used my card. I have contacted the bank and they can't give me any information. Please help me get this removed from my report and stop XXXX of Ohio from reporting a fraudulent collection on my report. I have included a copy of my credit report as well as the letter from 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