BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-08
Company: BB&T CORPORATION
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a new home in XX/XX/XXXX and at that time purchased Homeowners insurance with XXXX that was paid in full and escrowed with my mortgage with BB & T. 

On XX/XX/XXXX, the homeowners policy was cancelled due to " non payment '' because a {$40.00} multi discount policy credit was removed when I replaced my auto policy with another company. There was no notice mailed to me, and the insurance company confirmed they emailed a notice to the wrong address. 

I was not made aware of this cancellation until XX/XX/XXXX, when I received a notice from BB & T that my policy had been cancelled. I do not know why BB & T waited this long to tell me the coverage had lapsed. I promptly replaced the coverage with another carrier that day. Coverage is currently in force, and the policy is paid in full for XX/XX/XXXX-XX/XX/XXXX for {$730.00}. 

Today I received a notice from BB & T that they plan to purchase insurance for the lapsed period between XX/XX/XXXX and XX/XX/XXXX for {$3400.00}. 

Since Homeowners policies are " occurrence '' based policies, and there were no " occurrences '' to give rise to any claims on the home, this insurance actually insures nothing. Insurance is the transfer of risk, and in this case there is no risk to transfer. The chance or likelihood of a tornado or other insurable event damaging my property during these prior months is zero since time travel does not exist. 

Please help!!!!

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 2021-01-22
Company: AMERICAN EXPRESS COMPANY
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:
I make two different transactions with my American Express card : XX/XX/XXXX for XXXX and the second XXXX for XXXX on XX/XX/XXXX For a total of XXXX dollars to the company called XXXX XXXX XXXX. This company offers travel experiences ( not flights and is base on the XXXX XXXX ) Due to the COVID pandemic, the company postpones the trip to XX/XX/XXXX ( originally scheduled for XX/XX/XXXX ) At the time, the company did not issue any refunds. On XX/XX/XXXX received an email that the company was filing for bankruptcy/insolvency. Before that, they send information that they will no longer able to fulfill the trip. Base on the information from the company. According to the Civil Aviation Authority ( CAA ) and XXXX XXXX ( Think it is the insurance company representing XXXX XXXX XXXX ) I should claim the refund through my credit card. In my case American Express. 

I contacted American Express on XXXX/XXXX and file a dispute for both chargers. I provide documentation. Including emails and insurance files provided by the company. However, American Express closed the case. They claim that we're unable to reach out to the company and that time for the claim has elapsed. I gather extra documentation and re-open the dispute on XX/XX/XXXX. On XX/XX/XXXX I received the message from American express essentially closing the case with the same arguments. It is clear to me that American Express refused to revise the document that clearly states that it is the credit card company that should issue the refund, not the merchant. Moreover, the person I was going with. Submitted the same information as me at the same time and was able to get a refund back. It seems to me that the credit card company is selectively choosing who they are going to give a refund to and refused to even investigate and read any documentation submitted that clearly states my case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-27
Company: FinCo Services Inc DBA Current
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I recently received my stimulus payment on XX/XX/2020 i had it deposited in my CURRENT CARD account.on XX/XX/XXXX my stimulus money started missing out of my account. A total of XXXX was took out of my account thru different apps like XXXX, XXXX, and XXXX.I filed a dispute on XX/XX/XXXX once I notice my money was missing and I was told that I would receive a credit in 10days even if the investigation is still ongoing. It has been a total of 18 business days and I have heard nothing from the card company.Every time I try and call i get a automated message.everyone I speak with online tell me I will get a email and they don't have another update .I had to beg to speak to a supervisor who tells me she didnt have an update .i have also tried emailing and I get the same thing no updAte and sometimes no response .I believe this card company has something to do with my money going missing .I read several reviews and they are basically scamming people out of their stimulus money, this is a hard time for everyone and this money is to help other stay afloat not to have someone take advantage on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: Santander Consumer USA Holdings Inc.
State: OK
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:
On or around the end of XX/XX/XXXXI pulled my credit report and noticed that Santander Bank is reporting false information on my credit report with regards to a car loan that I had with them in XX/XX/XXXX. At that time I notified several credit reporting agencies of the error, they did an investigation and reported updated information from Santander that is still false. I want immediate resolution and expect that if I am denied credit because of their actions that they will be held accountable. 

Complaint Description : I had a car loan with Santander Bank which was paid in full XX/XX/XXXX, Santander is illegally reporting to the credit agencies incorrect information. Account Number : XXXX Make : XXXX XXXX XXXX VIN : XXXX Account Paid in Full Date : XX/XX/XXXX ( per confirmation on Santander letterhead ) Santander has reported this account has charged off on my credit report also has reported inaccurate information after I disputed the information, they added more incorrect information. Status on my credit report : Bad debt & placed for collection & skip They have also updated my credit report that I have not paid since XX/XX/XXXX through XX/XX/XXXX. Which appears as 48 times that I have missed payments, this is materially false information and when asked to correct they have not complied. I have documented a paid in full letter dated on XX/XX/XXXX. With this documentation and the behavior of Santander Bank I have legitimate documentation they are violating consumer credit laws. I would like to avoid legal action against Santander if they will accept my proposed resolution of immediate deletion of my account with all 3 credit bureaus, XXXX, XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 and transunion credit reporting agency removed an account off my credit report which caused my score to decrease this account should have never been deleted off my reports. The credit card company is XXXX this account is in excellent standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Before I when to the doctor visited I asked XXXX XXXX. XXXX if they took my new health insurance which is XXXX XXXX XXXX XXXX. I was informed by XXXX XXXXXXXX XXXX they did and I gave them my insurance card and information. I also payed XXXX XXXX. XXXX my XXXX $ Copay approximately date XXXX XXXX XXXX XXXX. XXXX send me a bill for approximately {$270.00} for doctors visited and vaccination. I was confused since XXXX XXXX XXXX already accepted my insurance and took my copay. 

I already tired to resolve this problem with XXXX XXXX. XXXX and XXXX. I Complied with XXXX appeal process by writing them a letter, explaining whats going on I also filed all the Proper paperwork, but they refused to cover the bill. I then talked to XXXX XXXX. XXXX billing department I explain to them everything going on and they apologize and agree to remove the XXXX visit from the bill but still tried to charge me for the vaccination shots. 

I refused to pay XXXX XXXX. XXXX since their the ones who made the mistake of telling me they accepted my Insurance when they didnt and then proceeded to send me to collections. 

It is not right that this company can blind sign a customer with a unexpected bill and get away with charging customers without giving them a prices before the service and tell them one thing and then send a bill months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: MARINER FINANCE, LLC
State: FL
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 tried contacting this company zillions of times and left voice messages never recieved a call back there trying to collect on a debt and ruin my credit i never opened with them and i sent them the police report multiple times throguh XXXX and XXXX they keep verifying this account, i never lived in ohio or been there where this account was opened

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 2022-11-23
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: Revenue Assistance Corporation dba Revenue Group
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am on a payment plan with XXXX  XXXX in the amount of {$170.00} monthly for medical bills incurred in XX/XX/XXXX. I've been paying this amount for long time. In XX/XX/XXXX XXXX  XXXX turned over a portion of the debt to Revenue Group, a collection agency. I contacted XXXX  XXXX and they would not help. I told the customer service agent I had been paying and didn't understand why a portion of the debt was transferred to the Revenue Group. She would not research my account or look at payment history. I asked to speak to a supervisor and she said someone would call me back. This was now weeks ago and no one has contacted me. The Revenue Group continues to contact me for payment of a portion of the debt. I disputed the charge and told them I've been making payments to XXXX. The Revenue Group sent a letter date XX/XX/XXXX stating the debt is valid and owed to them. I am sending Revenue Group another letter dated XX/XX/XXXX stating I've been making my payment per my agreement with XXXX   XXXX   and will continue to do so. I am not working with Revenue Group and there is no justification for my debt going to a collections agency. I have continued to make payments to XXXX  XXXX during this timeframe and they are accepting my money. I just made another payment today XX/XX/XXXX for the XX/XX/XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
To Whom It May Concern, The reason for my dispute is XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX XXXX XXXX 
failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX, XXXX XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX XXXX # XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under XXXX Taking assignment of debts. FDCPA I fail to see where XXXX XXXX, XXXX XXXX XXXX XXXX is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. XXXX XXXX, XXXX XXXX XXXX XXXX. has not even tried to contact me regarding this collection

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 2018-12-08
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was looking to reserve a personal home for a vacation on XX/XX/XXXX-XX/XX/XXXX and I found a space online. I exchanged some emails, phone calls, and a contract with the alleged homeowner and agreed to a {$730.00} rental with a {$300.00} refundable damage deposit. The individual requested I specifically use XXXX to transfer the funds and on XX/XX/18 I transferred {$1000.00} and on XX/XX/18 I transferred the remaining {$35.00}. 

As the weekend approached I reached out to the individual a few times with no luck and I started getting very concerned that I had been frauded. I was able to briefly get in touch with the individual, and asked for a refund per the contract but I was never given a refund nor given the promised accommodations. 

I filed a complaint with PNC bank to dispute the payment but they denied the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Debt collector has gone as far as to contacting both my parents multiple times a day, every single day. After repeatedly, polite requests to stop- yet continue to do so.

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 2020-05-27
Company: Experian Information Solutions Inc.
State: OH
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:
This is the first time I have encountered identity theft. Ipulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible.

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 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This is the first time I have encountered identity theft. Ipulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible.

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 2018-12-08
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Good Evening ; As you can see, I'm very meticulous when it comes to my credit and pay everything on time or even way before it's due. As I was going through my credit report for the last 3-5 years, I was shocked when I reviewed my credit report and found the late payment on the dates below : XX/XX/XXXX/XX/XX/2016 - 30 day late payment I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2020-11-01
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have an auto loan with First Bank of Puerto Rico, they referred the account to XXXX XXXX XXXX because although loan has been paid off, there is remaining balance due to late fee and interest charges. They contacted me yesterday requesting the balance due of approximately {$1000.00}, I offered to pay {$600.00} and the remaining balance nect month but they declined. Instead they said they were outside my property to reposess my car. I explained that my mother had passed away on XX/XX/XXXX and I incurred in costs but they just answered they did not care and I needed to pay the whole balance or allow them to reposess my car. The used abusive and threatening language.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
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 canceling credit monitoring or identify theft protection service

Complaint:
I tried to apply for a credit card through my bank XXXX XXXX  and was denied on XX/XX/2018 due to insufficient credit file I also tried to apply for an apartment at XXXX  XXXX XXXX  XXXX Texas and was also denied because a flag is on my credit fraud protection with XXXX. I tried several times to contact XXXX  and try to resolve this matter for I did not put this on my credit and it's causing me not to be able to apply for things I did to dispute a matter which was fraud use on my credit they completed that dispute and just dismissed it off my credit but they also added a fraud protection which I did not ask for and I am not able to apply for things that I need to apply for and I'm being denied from companies.

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 2018-03-01
Company: AMERICAN EXPRESS COMPANY
State: MI
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 worked for a company that had a company account. The company went out of business in in XX/XX/XXXX. I had a company card, and the account was with American Express. There is absolutely no contract between myself and American express. In XX/XX/XXXX, they assigned the company debt of approximately {$15000.00} to by personal credit score. I spent the next three months trying to get them to assist, consistently I was transferred, put on hold and hung up on spending more than 40 hours on  the phone. 

Finally, I disputed this 6 times through XXXX. American express rubber stamps that it is accurate and they won't assist. I call them multiple times, they say they no longer have my account and can not help. They indicate its been moved to national credit collections agency. 

I have spent over 8 hours on the phone with the XXXX XXXX XXXX XXXX. They have offered to let me buy them out at a XXXX to have it removed. I told them I would pay that to get out of this horrible nightmare, but I wanted to see the contract between Myself and American Express. Three times they sent me the card holder terms and conditions, but no contract between myself and American Express. 

I'm trying to avoid getting a lawyer and spending more money, so XXXX personnel told me I could contact you on this false negative credit issue. I had a XXXX credit score, and have never missed a payment in 20 years. I now have a XXXX score, and couldn't even finance a car. 

FINALLY, THE ACCOUNT THEY INCORRECTLY ASSIGNED TO ME WAS OPEN FOR YEARS. IT SHOWS NO HISTORY IN MY CREDIT REPORT EXCEPT WHEN THE SENT IT TO COLLECTIONS IN XX/XX/XXXX. Per the company accountant, this account was in good standing for a long period of time before they assigned it to me personally. 

Please help!

Company response to consumer: Closed with explanation