BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited a XXXX settlement check on Sat XX/XX/19 at XXXX XXXX  CST at the Bank of america atm at XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX originally said funds would be available to cover transactions on XX/XX/19 and available XX/XX/19 for withdrawl or debit card usage. Then Bank placed a hold on check till XX/XX/19 at XXXX XXXX  called bank of america and they explained they were unable to verify the check at time of deposit and would have to collect thru federal reserve and that was the date and time that the federal reserve said funds would be available and they could not release funds no matter what till that date and time because of federal reserve. I talked with federal reserve and they stated they do not hold funds for banks or give time frames to banks when funds would be available. Several transactions have been returned by bank since deposit and I have being charged an overdraft fee for each returned item when they have 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 2020-05-16
Company: Experian Information Solutions 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:
On XX/XX/2020 I went to my bank to apply for the Paycheck Protection Program offered by the government to pay my employees. On XX/XX/2020 I was denied because of negative remarks on my credit profile. After going over my credit report with my banker I found accounts that never belong to me. I never authorized these accounts to be opened in my name nor did I receive any type of money or benefits from them. There is also a bankruptcy under public records that does not belong to me. I have never filed bankruptcy and have never been in a position where I needed to file bankruptcy. I tried calling the bankruptcy courts to resolve this matter but have not received any response. On top of all these accounts someone has been running my credit as there are multiple auto loan and credit card inquiries. I did not authorize any of these inquiries. Please help me resolve this issue.

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 2017-12-21
Company: ORG GC GP Buyer, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Gc Services Limited Partnership is attempting to collect a debt that I do not owe to them. Ive never done business with them, and I have no idea who they are.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-21
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid off my Citibank AAdvantage Mastercard in full on XX/XX/XXXX. I checked and rechecked the balance to make sure that I would pay off the card free and clear. Two days ( on XX/XX/XXXX ) after I had paid off the card, Citibank charged me {$35.00} dollars in interest on the XXXX balance. I was unaware of this additional fee. I thought I had paid off the card so I stopped paying on the card. Over the next 2 months Citibank added two additional late fees so that I now owe {$100.00} all in fees on the account. I called them and tried to explain that I had no idea about the extra interest charge. They claimed that it was up to me to check the balance on my account. But I had tried in good faith to pay off the card and was n't aware of the fee. They said I should have read the fine print on my credit card agreement. Who does that?!! I agreed to pay for {$71.00} of the fees, but do n't even think I should be liable for that.

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 2018-09-25
Company: VW Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2018 car was traded in at XXXX in XXXX Ca and loan paid off through dealership. Volkswagen credit received payoff from XXXX then charged my credit for a 30 day late payment for the month of XX/XX/2018. I dispute late payment on my credit through XXXX  on XX/XX/2018 and XX/XX/2018 staying I was not late for the payment on XX/XX/2018 when the car was no longer in my possession. Volkswagen credit refuses to delete the negative late payment and is continuing to put me in financial hardship due to me ending my loan and lease options with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Experian Information Solutions Inc.
State: CT
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:
The last time I sent out my dispute letters was on XX/XX/XXXX. I have yet to receive a response from either of the bureaus. The following account/s have errors that need to be corrected immediately by this XX/XX/XXXX. It has been 30 days since Ive sent out my last round of dispute letters, if I dont receive a response by XXXX, then by law according to the FCRA you must remove the account/s from my report within the next 15 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 2019-08-13
Company: CITIBANK, N.A.
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:
My card was used without my knowledge or consent with my Citi Bank account credit card account. The agent in the fraud department called me yesterday to discuss the charges on my card at XXXX XXXX XXXX. We were supposed to be on a conference call together, but the agent at Citi Bank put me on hold for about 20 min. and spoke to the agent at XXXX XXXX XXXX so I couldn't hear what was being said. He had instructed him to say that I had some furniture delivered to my home, so he wouldn't have to cover the fraudulent charges that were made at XXXX XXXX XXXX. I filed a police report because my card was used without my knowledge or consent, and I submitted it to Citi Bank in there fraud department. There have the documentation in hand. The agent is trying to get out of covering the fraudulent charges that were made on my Citi Bank credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-22
Company: M&T BANK CORPORATION
State: NY
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:
The bank that holds my mortgage is showing my account as 30 days late from XXXX 2017. I explained to them that it was an error on their part but they did n't reflect my account in good standing. I take pride in making timely payments and wou me appreciate your help with this matter.

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 2017-08-05
Company: Diversified Consultants, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On X/X/2017, A new collection account appeared on my XXXX credit report. Reported by agency Diversified Consultants Inc. ( DCI ) in the amount of {$88.00}. Original Creditor was XXXX. I did have  an account with XXXX, but was paid in full when i closed the account and switched providers. I never received any bill, call, email or any notification that I still owed XXXX anything. On XXXX/XXXX/XXXX, I contacted DCI by telephone and was informed that I owed for an unpaid amount. I asked why I was never notified of this debt by either agency, and was informed they didnt know, and that I should have definitely been billed or contacted. I was also informed that XXXX had given DCI the contact phone number I had originally provided when I signed up for their services, which has not changed, so I know that had they wanted to, they could have easily contacted me. Had I known they wanted more money, Id likely have paid them immediately as I have been working on my credit. No attempts in any format were made by XXXX or DCI to contact me and inform me of any outstanding balance. My phone number has not changed, and I am rather easy to contact. Fair notice was not given to me by either company before this mark was added to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-01
Company: GLOBAL PAYMENTS DIRECT INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company who handles the PA XXXX payments is claiming that they are entitled to take a {$30.00} return fee if the Payment for XXXX services is returned. However, they attempt taking the payment multiple times if it's returned within a few days each time. This to me ( and others ) is a scam. This company should be shut down immediately and PA XXXX  should be forced to process payments independently. The company is also alleging that this is in the terms and conditions on the PA XXXX  website, however, these terms and conditions never mention that this company is contractually taking these payments.

Per the phone conversations with " Global Payments '', they claim that the Terms and Conditions articulate that a return fee will occur in the event that a payment is returned to them. Upon re-analyzing these Terms and Conditions, I've found that to be outright deception. 
XXXX XXXX XXXX Global Payments reversed the {$30.00} fee after I spoke with them over the phone, however, I will warn you that this company being a 3rd party company taking and initializing payment distribution is an apparent conflict of interest, so the PA XXXX  has no control in their own lottery with respect to online gaming. 

This needs to be investigated big time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX Penny Mac Holdings, LLC, And PennyMac loan services transferred my loan to XXXX XXXX XXXX WITHOUT LEGAL STANDING, BECAUSE ONXX/XX/XXXX, the Judge For the Ninth Judicial Court DENIED A ORDER SUBSTITUTING PARTY PLAINTIFF, AND THE COURT HAVING REVIEWED THE FILE AND BEING OTHERWISE DULY ADVISED IT IS THEREUPON, ORDERED AND ADJUDGED : THE PLAINTIFFS MOTION TO SUBSTITUTE PARTY PLAINTIFF IS HEREBY DENIED ( SEE ATTACHMENT ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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've paid my capital one car loan on time for the months of XXXX XX/XX/2020 but im my credit report it shows up as a late payment I have Documentation that it was paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: Stuart-Lippman and Associates, Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was suppose to work for a company by the name of XXXX XXXX. In 9 months nothing materialized and we mutually decided to end the contract. Once it was ended, I received notices from a debt collector Stuart Lippman and Associates. They stated that I owed XXXX XXXX for E & O Insurance through XXXX XXXX. I asked them for the policy that bears my name so that I can have the policy cancelled, as I have E & O that I purchased through XXXX. I explained to them that I am in the process of disputing this with XXXX XXXX and they told me that if I don't pay they will put this debt on my credit profile. I am in the process of purchasing a home, and I no longer can get the rate I had once I applied because since they did this, my credit has suffered as it dropped 40 points. I have had NOTHING negative on my credit in 5 years I worked very hard to get a good credit rating, and now I no longer qualify for the tier I was approved for and I am an Insurance Broker and I cant work for Companies with negative credit. I have continuously asked them to validate the debt by sending my the policy and instead they did just what they said and put this negative information on my credit profile. This has really affected me negatively and I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: Diversified Consultants, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX allowed multiple simultaneous fraudulent accounts to be opened using my social security number in XXXX. The accounts were opened under different names with different phone numbers and different addresses. The fraudulent XXXX accounts are # XXXX and # XXXX I was never notified of these fraudulent accounts until after the debts had been forwarded to Diversified Consultants who started to attempt to collect the debt by reporting these to the three main credit bureaus. My credit score dropped about 150 points which was the first time I became aware of false reporting on my credit reports for fraudulent accounts. I filed fraudulent account affidavits per the process through XXXX on XX/XX/XXXX. They have not closed the accounts nor stopped collection activities. I spoke with XXXX XXXX on XX/XX/XXXX from XXXX regarding these issues who said that they still required a copy of a police report and would not close these fraudulent accounts. I provided a police report number on the affidavit in addition to the other identification and proof of residency documentation. The affidavit form did not say that a police report was required to close this investigation. They are asking me to take a day off of work to go to XXXX public records to get a copy of a police report for them. I have completed all of the requested steps already to close these accounts. 

I would like the debt collection records removed from my credit reports by Diversified Consultants. I would like XXXX XXXX to stop collecting these fraudulent debts. I would like letters from both of these companies stating that they have stopped collection activities and removed debt collection records from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-22
Company: BANK OF THE WEST
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
This is a follow up complaibt. If ypu log me out again you eill have to deal with ic3.gov I just spent XXXX 20 minutes typing it. Short version Bank of the West 2nd company XXXX XXXX XXXX XXXX XXXX and XXXX and XXXX XXXX in all XXXX branches XXXX XXXX and XXXX. XXXX XXXX at XXXX or email XXXX all the texts emails I have. This is all connected per your inadequate response for more info it 's all XXXX connected. The loan to loan to company to bank to XXXX XXXX XXXX XXXX XXXX to my account rllihitimizing my XXXX XXXX loan do your homework or i will report you to FIX you have all the names previous complai t number XXXX now its for Bank of the West and XXXX XXXX XXXX XXXX and Florida law enforcement and XXXX and XXXX XXXX people trust accounts that were used to burry off of stolen money. If my loan is no good per XXXX XXXX XXXX then all of those bodies will have to be exumed

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 2020-09-10
Company: JPMORGAN CHASE & CO.
State: MI
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 have two charges for flights that were cancelled due to COVID. In both cases, the airline has agreed to give me a refund, and in both cases a refund has not come through. Below are the details of the charges. 

XXXX - Flight booked XX/XX/XXXX for {$140.00}. Flight departure date : XX/XX/XXXX, XXXX flight was cancelled by the airline on XX/XX/XXXX with agreement for a full refund. As of XX/XX/XXXX the refund has not been granted. Chase will not assist with the refund. 

XXXX XXXX - Flight booked XX/XX/XXXX for {$420.00}. Flight departure date : XX/XX/XXXX. The flight was cancelled by the airline on XX/XX/XXXX with agreement for a full refund. As of XX/XX/XXXX, the refund has not been granted. Chase will not assist with the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: SYNCHRONY FINANCIAL
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After a recent move to a new state, I changed my phone number so that I would have an area code from that state. 
Since then I have been getting an unrelenting anonymous robo-call to my voice mail asking me to call an out of state number with no explanation for what it's about. 
Usually, several times daily. 
" Blocking " did no good. 
I used an app on my phone which identified the caller as Synchrony Bank Collection Department. 
I have never done business with these people and I don't owe them ( or anyone ) anything. 

Thank you for any help with this matter.

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: ENCORE CAPITAL GROUP INC.
State: AL
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 settled this account for less than balance due but is considered paid in full. Their policy is to delete from credit report after payment of in full or settled for less than balance, however this account is still on my credit and has not been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21
Company: SAMC Honebee TRS, LLC
State: LA
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:
There are multiple violations on my credit reports for the GMFS tradeline. I had contacted GMFS to dispute the reporting of my account but they no longer have access to the account information because the service provider had changed. It is still their responsibility to correct the errors. I went a step further and contacted the previous service provider, they have no record of my account. I filed a dispute with the credit bureaus with no success. 

The violations are ; # 1 Inconsistent and incorrect credit reporting. There are different number of late payments across the credit bureaus. This is an FCRA violation pertaining to inaccurate information being reported.

# 2 On 2 of my bureaus, they have failed to report all the prompt payments I had made over the years. This is a violation pertaining to incomplete information being reported. 

Aside from the current issue I have had a pleasant experience with GMFS. I don't want to but if they can not correct the error then I will have to move forward with an FCRA attorney, if it comes to that, we will also pursue punitive damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation