BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-13
Company: BANK OF THE WEST
State: CA
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I had a line of credit and over draft protection with bank of the west. they say I owe them {$35000.00} and because you did n't pay we close it. I request from them and from the lawers for document for this loan and statement they only show that XXXX was transferred to my accunt on XXXX XXXX XXXX but on day before that I deposited {$25000.00} on my account by mistake they deposited to my personal account and 6 days later they withdrew that. I need my loan statement from XXXX XXXX to now.and explanation about {$21000.00} deposit the day befor and {$75000.00} day after .I think they madae amistake and then cover that from my line of credit.

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 2016-09-07
Company: CITIBANK, N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
This complaint is targeted to a program advocated by CitiBank. 
Per my friend 's recommendation, I applied for a Citigold checking account owned by CitiBank following the link on the internet in XXXX. The promotion advertisement listed the following conditions : 1 ) Open an account with CitiBank. Deposit money. 
2 ) Make payment for ( 2 ) consecutive months 3 ) Make a purchase worth {$1000.00} As a result, we will be offered XXXX points. Meanwhile, Citi will charge my account {$30.00} per month for three months if the deposit is less than certain amount ( Maybe {$50000.00} ). 
The application was accomplished in no time with a promo code. Money was deposited. Payments and purchase were made. At the XX/XX/XXXX, I called Citi to inquire about the status of XXXX points and was informed that I had met all the requirements and the claim had been setup while the process would take up to three months to complete. XXXX XXXX is the date I should call back for the final result. 
On XXXX XXXX, I called to follow up. After spending more than half an hour waiting and explaining, I ended up with a lady who said she needed to confirm some information with someone and would call me back in one hour. I waited and waited and waited ... 
After more than two hundred and forty hours of waiting ( long wait, is n't it? ), I knew nobody would call me back and realized it was a scam from first place. On XXXX/XXXX/2016, I logged on to my online account, ready to request to close my account, only to find out that Citi started to charge {$30.00} since XXXX/XXXX/2016. Shocked, I had an on-line chat with a Citi representative, who helped to start an investigation which was supposed to complete in several business days. Hearing no further result after five days, I chatted again with another Citi representative to accelerate the process. This time, a document was received to promise a result in 24 to 48 hours. 
After two days with nothing coming, I chatted for the last time with a Citi representative. Not to my surprise, I was given an excuse that the promo was offered to targeted customers while I was n't. What? Are you kidding me, dude? Then why did you put an advertisement on internet and gave me a promo code? Nothing had been fulfilled except charging me {$90.00}? 
The conversation ended unpleasantly. I ordered them to close my account instantly, meanwhile, warned to file a complaint to CFPB. 
My request to solve the issue is either citi should award me {$50000.00} XXXX points or refund me {$90.00} and apologize for wasting my time.

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 2017-05-07
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened cash+ signature card with US BANK  .  They have {$100.00} member welcome bonus, I got confirmed with phone team that I will have this  XXXX  bonus but need wait up  to 3 month to get it . I wait that long, ask bonus again since I did not see that. And they said I have not got the bonus on my card yet they are not going to match it. Sent screenshot, tell banker, not be able to solve the problem.

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 2015-03-26
Company: EOS Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I get calls from " XXXX '' about debt collection. I have no debt and no outstanding loans. The number they call from is XXXX and I am supposed to leave a message for XXXX XXXX or XXXX. I have left numerous messages to please stop calling me and I am on the " do not call '' list and I have blocked this number, but I STILL keep on getting calls from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: AFNI INC.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX has continued to persue me over a debt that has been resolved. I have told them over and over that I have settled the debt but they still keep sending my account to collections. I have the settlement letter and the credit bureaus comments on the account stating the account has been settled in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I deny this is my debt and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge and have no contractual agreement with Afni

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: REGIONS FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
This matter was previously filed under case number : XXXXThe merchant agreed to withdraw the disputed charges, but hasapparently reinstated these charges and has not closed theaccount as we had requested. 
Attached is their most current billing. 
We have not used this card since the complaint was made.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: EOS Holdings, Inc.
State: NE
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I received a call from someone identifying them selves as EOS CCA refused to tell me why they were calling unless I gave them personal information the caller id number was a XXXX number when I asked him where was calling from he said XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have an account TD BANK USA/TARGET CREDIT # XXXX reporting to XXXX XXXX and XXXX.ALL 3 report vastly different from each other and yet each credit bureau verifies it as accurate.I 'm attaching all 3 different reports from all 3 bureaus.The payment histories are different and conflict with each other.The account was open in XXXX and CLOSED BY GRANTOR onXX/XX/XXXX, according to XXXX. XXXX says max delinq.of 120 days on XXXX ; XXXX says 120 days delinq.on XX/XX/XXXX.XXXX shows 90 days late XXXX, XXXX shows 90 days XX/XX/XXXX.XXXX shows c/o XXXX XXXX XXXX shows 120 days late XX/XX/XXXX.XXXX shows closed on XXXX, XXXX says closed XX/XX/XXXX.the DOFD is XXXX ON XXXX and XXXX on the other XXXX.I 'M ENTITLED BY THE FCRA TO COMPLETE AND ACCURATE CREDIT REPORTING WHICH I DO NOT HAVE NOW OR IN THE LAST 7 YRS NO MATTER HOW MANY TIMES I DISPUTE WITH THE CREDIT BUREAUS ... always comes back verified and still all 3 bureaus do not agree with each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I opened a secured credit card account with capital one with {$3000.00} of which they pulled from my checking account. They used XXXX Bank as an automatic clearinghouse. They open and closed the account numerous times for what they considered fraudulent activity. I myself along with a representative from the IRS numerous times faxed over and validated all the information they needed, they then would reopen the account let me use it for another three months and then close it again. I continually pay my bill over and over again to the cost of over {$18000.00} in just six months. They then close the account permanently even though I had overpaid the account by an additional {$800.00} owing me at that {$3800.00}. The supervisors told my bank that they would have this money back to me and apologize for any inconvenience that they have caused. I have yet to see anything and when I called to follow up they said I would have to wait and they 're going to take it up there Board of Supervisors and get back to me. My checking account is ironically with capital one 360. Which used to be ING direct the capital one has purchased and I guess is rolling over into just Capital One Bank eventually. This will be a sad day the Capital One is able to conduct even more business on any bank in level. I am also able to obtain affidavits from XXXX Bank as well as Capital One 360.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
Product: Credit card
Issue: Other

Complaint:
I have requested information/validation on this debt bearing my signature and have not received anything stating that I owe this company any money. They have repeatedly responded stating that they have investigated and verified the validity of my debt and do n't even allow me to dispute their claim. I have never done any business with XXXX XXXX XXXX, never signed a contract, nor do I owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07
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: Information belongs to someone else

Complaint:
I have applied for a mortgage and there are so many errors on my credit report that need to be addressed. I have not looked at my credit for years so there should n't be anything on it honestly.   I never had an account with  XXXX   XXXX  and so  I don t owe   XXXX    XXXX   XXXX  anything.   I never had an account go past due with   XXXX    XXXX  this is an error or someone did this in my name.   Again I never have activated a  XXXX  account this account is incorrect or opened without my authorization. I dont owe them or  XXXX  anything and they 're on here twice. Please remove these incorrect items off of my report.   I have no idea what this medical collection is and I dont have any outstanding medical bills.    XXXX   XXXX   XXXX   XXXX  is another account i never authorized anyone to open in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07
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:
I closed my checking account with this bank last year and made sure the account was closed with a {$0.00} balance. I 'm now seeing that they are reporting a charge off amount for the account! Nothing was owed to them and they would n't even let me close the account with funds still in the account which had to be withdrawn or spent, so how is it possible to charge off an account that wa s MY  money??? Not only that, but since the account has been " charged off '' the balance is continuing to increase. Also, this same bank pulled my credit as a hard inquiry in  XXXX  of   XXXX  , even though I do n't have any accounts with them or ever gave them permission to run my credit.I live in a state that this bank is n't even in and have no need for their services so I would n't have been looking to take a loan out with them.

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 2015-08-31
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Common Wealth aka or dba XXXX, reported XXXX medical collections to my bureaus as XXXX accounts. I paid the accounts and they provided me with a deletion letter to only turn around and report new collections on my XXXX Report 16 days after I paid the collections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Company agreed to removed debt from XXXX and XXXX report on XX/XX/XXXX and XX/XX/2016. No longer responsible for debt agreed to remove

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: Creditors Specialty Service Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
The agency creditors specialty service repeatedly sends letters to my address for a former tenant despite my informing them that the individual does not live here and has not lived here for greater than four years. They had stopped for a while but now they have resumed despite my returning their mail and sending letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I called  Chase  customer service department  XXXX  about my checking account because I wrote a check #  XXXX  for {$240.00} and the bank processed as {$540.00} creating a negative balance on my account and I have no access to my money. I spoke to a supervisor and he said even though it is a bank error they have to wait  XXXX  days to get the credit back to me. is a terrible customer experience and it did not take the bank  XXXX  days to take the incorrect funds from my account. Now I am wondering if they have made this same issue with other checks I have written. Another issue I have is at the beginning of the call a message indicates the call  may be recorded but when I told the representative they transferred me to in their executive complaint department thatI was going to record the call, he told me I could not record the call because it was against their policy. Why are they allowed to record but   the customer is not?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
We submitted disputes to XXXX and TransUnion one month ago due to mis-reporting of a XXXX card balance. We asked, specifically, that the balance be reflected accurately to the new amount of credit charged at XXXX instead of the mis-reporting of a balance of XXXX. We have been denied credit due to Trans-union and XXXX not updating their system after multiple requests, phone calls to both bureaus and 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 2017-01-18
Company: Commonwealth Financial Systems, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Threatened me first about IRS and now with criminal charges. The company is Delta Group at Least thats whats on my caller id the number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: ECMC GROUP, INC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Thank you for FINALLY answering " yes '' and confirming that you did in fact contact people, including my family and friends while I and ECMC were in communication with each other about my loan account. These straightforward answers were not in the initial complaint responses. 

In speaking with a specialist at CFPB yesterday who assisted with this case, can you tell me what the purpose was for ECMC to contact other people while they were directly speaking to me. Federal law does not force you to call other people if I am in direct contact with you. Federal law allows you to contact other people if you can not get into contact with me ; which as we have proven you were in direct contact with me all along. You stated that " ECMC did pursue leads including attempting phone contact using phone numbers learned during skip-tracing and believed to be associated with you... [ but that ] ECMC did not discuss your defaulted student loan debt with any person other than you. '' If you were directly in contact with me when you called these other people, and your call was not to discuss my loan with anyone else as you stated, then why did you make these calls in the first place? Please give a specific answer and not the " required by federal law '' answer as that idea has proven false.

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 2017-05-07
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collection account from convergent saying that I owe  XXXX . I have never had an account with  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 2017-05-07
Company: Experian Information Solutions Inc.
State: NJ
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 filed a chapter  XXXX  bankcruptcy on  XXXX     2015 an d Experian still showing in my credit report   XXXX   account late, I only hav e   XXXX   new  account, I though that when someone do a bankruptcy it going to be in the credit report but no as late, i send Experian a letter and the Bankruptcy Discharge certificate in  XXXX  and they did not do anything. Can you please help me with this issue. Thanks

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 2017-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Other

Complaint:
I had a credit card statement balance of {$6400.00} due XX/XX/XXXX I paid it in full on XX/XX/XXXX leaving a zero balance. The next month the credit card issuer sent a bill for additional interest charges in the about of {$52.00}. Is that within the law for them to charge interest when the balance, according their statement, was paid in full leaving a XXXX balance? During a conversation with their representative, XXXX, on XXXX at or about XXXX AM CST, I asked for understanding on how they calculated the interest charges, on what balance was the interest calculated since I had a XXXX balance according to the statement. She gave some information that did not make sense to me. I told her I would have to take the matter to a higher authority. She said I should be aware that they were going to credit the interest back to me because I had paid the balance in full. I asked if they would have credited it back if I had not called and complained about it. She gave a response that indicated they would not have because, in so many words, they would not have had a reason to investigate the account. Additionally, she said it could take XXXX or XXXX billing cycles to reflect on the account history. Therefore, I asked if it would reflect negatively on my national credit report ( XXXX ). She did not know and put me on hold to get the answer. She came back to the line within a reasonable amount of time and said she did not think it would reflect negatively because they do not report payment history unless payments go beyond XXXX days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On  XXXX   XXXX , I sent a dispute requesting validation of the alleged debt that  Calvary  is reporting. In particular I challenged the  Open Date  of   XXXX   XXXX   XXXX   as I believe that the last payment was made in mid   XXXX  certainly not  XXXX . I have heard that it is common for collection agencies to reage the debt in an effort to avoid  Statute of Limitation .     I never got any response to my letter and the reporting of the debt remains without any indication that it was being disputed.     On   XXXX   XXXX  , I sent another letter requesting validation and still no response. The debt is still appearing on my credit report without any indication that it is in dispute. Statute of Limitations has expired but  Calvary  has in my opinion intentionally reaged the debt from its original  XXXX  time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
Credit card company stopped sending statements, claiming that they were sending 'paperless ' statements, none of which were ever received. There were no problems with the email system on my end. They were simply not sending statements. Eventually, I missed payments, since I had to check the website periodically to see if I owed anything. They reported the missed payments to the credit bureaus, claiming that the glitch was not their problem. This has directly effected my credit score and report.

Company response to consumer: Closed with non-monetary relief