BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-15
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On numerous occasions, I have mailed several correspondence to remove the account named XXXX XXXX XXXX acct # XXXX. I never received any results. Furthermore, I received correspondence from XXXX stating that the trade line would be removed and also forwarded it to all CRA. It has been 5 months and this account is still falsely reporting on my credit. The latest false report is 2 new 90 day late payments on XXXX. How is this possible for an account that should not be on my credit report?

It is your job under ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) to properly address these mishaps. All investigations have either exceeded 30 days or not conducted at all. This is extremely frustrating as you alone are causing me great stress and emotional instability. Due to the lack of response to my letters I am forced to make a formal complain on the CFPB for violations of the federal statutes that I can pursue retribution for and thus result in numerous fines to your agency. This account has no place on my credit report. If needed I can provide documentation that this should not be on my reports. However, I ask that you correct the error on your part and remove the account entirely.

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 2021-01-15
Company: EQUIFAX, 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:
I was examining my credit report and I saw some accounts that are being listed on my credit file but are false. I do not have any debt with these companies and have no knowledge of these accounts. I believe they are fraudulent or there is an error in their system. Please investigate this issue because it is stopping me from gaining any new credit. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: GB Collects, LLC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from GB collects stating they were about to take unknown action against me for a debt not owed. This letter was dated XX/XX/XXXX but I did not receive it until XX/XX/XXXX. They have flagged me with owing a debt that I do not owe. This account was cancelled by the acting agent for XXXX insurance in XXXX, XXXX. XXXX insurance was the XXXX they provided and I could no longer afford their insurance. I contacted the agent and gladly cancelled the policy. XXXX XXXX has now apparently been assigned to this file for unknown reasons. The account was cancelled and I have a very threatening letter to prove this.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a checking account with Citibank and have had {$7800.00} of my money locked for over a year now and they refuse to allow me access to my funds or allow me to close out the account and get my money

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 2016-02-27
Company: Credit Karma, LLC
State: OH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I tried to check my credit score and it says my name and social security number does not match

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
After I made a series of complaints against Bridgecrest because my payment was not being applied correctly I have noticed that I am no longer able to make a payment online. I get an error message every single time I try to make the online payment and I am forced to call into bridgecrest when their offices open and make the payment with an agent. This has been going on for XXXX months now. I have spoken to Bridgecrest agents about this and they are aware of the problem. Yet in XXXX months the issue is not fixed. This is clearly retaliation for my making the complaints. I have a right to file a complaint with regulatory agencies and I am not suppose to face retaliation for doing so but this is clearly retaliation. I even spoke with an escalations agent who said when she logged into my account she can make the payment. She does not encounter an error message. But I do. I demand this issue be fixed. I will not go the life of this loan being forced to call in to make every single payment. I also demand all charges from making the payment with a bridgecrest agent be waived since bridgecrest has taken from me the right to make my payment online. 

I also can't contact Bridgecrest any other way than by phone as they have also removed my ability to contact them through their website. That too responds with an error and tells me to call in.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: EQUIFAX, INC.
State: NC
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:
May I ask why this account from XXXX XXXX is being reported on 2 CRA 's? 

XXXX last received payment, also see attached report, on XX/XX/XXXX. The account is not negative and is current. In your comment you state was closed by Credit Grantor? So I just dont see why you would want to keep reporting. 

Then for some odd reason, after 7 years mind you, I was making good payments again sometime in XXXX. That's amazing! 

XXXX account Account # : XXXX Equifax account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
This complaint is in regard to Suntrust Bank and their overdraft practices. Recently, I inadvertently overdrew my account by {$42.00} through XXXX transaction. The next day, several items that had been previously pending cleared my account and I was assessed XXXX overdraft fees for {$36.00}. One the day these transactions cleared, the purchase that overdrew my account was still pending. All of the transactions posted to my account with a positive balance. Suntrust advised that overdraft fees begin the moment the " available balance, '' becomes negative. That is, the balance in the account that changes throughout the day. I had several other items pending that cleared causing overdrafts because of the way they manipulate their processing. I paid XXXX overdrafts for overdrawing my account {$42.00} with XXXX transaction. The total in fees for this XXXX overdrawn transcation is {$320.00}. Suntrust 's practices directly conflict with FDIC guidance, and are usurious to say the least. Suntrust will not refund any overdraft fees, and acknowledged that the fees were assessed even though the account was only overdrawn 1 time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XXXX XXXX 2016 with a starting balance of {$70.00} I made a cash transfer from a regions account of {$600.00}. On XXXX XXXX I made another transfer into the account of {$100.00} to bring the cash balance to {$770.00}. I then proceeded to make purchases of {$580.00} and the bank conveniently charged me {$140.00} NSF OF Fee plus {$15.00} OD protection fee leaving the account with a balance of {$33.00}. Other transactions totaling {$130.00} were processed after that and then over drew the account {$99.00}. The bank then charged more fees of {$210.00}. Had the bank not charged me {$150.00} worth of fees then the other {$130.00} transactions would have been paid without any fees. In essence the bank robbed me of {$370.00} for having money in my account. I called their customer service department and they told me they can not give me a courtesy refund when it was clearly a bank error.

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 2021-01-15
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 Midland Credit Management sent me a debt collection letter violating 6 federally protected consumer rights under 15 USC 1692. 

1. Violation 15 USC 1692c ( a ) ( 1 ) - MCM has no consent orally or written to contact me. They have sent a letter to my home inconveniencing me and causing mental anguish.

2.Violation 15 USC 1692d ( 2 ) - The debt collector harassed me in the letter threatening to file a lawsuit against me for an alleged debt. Using obscene language by stating that I owe a debt.

3. Violation 15 USC 1692e ( 3 ) - Several times the debt collector has given the false representation that they are an attorney and that the communication is from an attorney. A company can not give power of attorney because the entity is not a natural person. 

4.Violation 15 USC 1692e ( 5 ) - Threatening that they intend to file a lawsuit whenever they can not. Only a natural person can give power of attorney. They have no intent to sue me.

5. Violation 15 USC 1692j ( a ) - furnished a form causing false belief that the original creditor is involved in the debt collection. When in fact I am the original creditor.

6. Violation 1692e ( 2 ) ( a ) - supplied a false character amount of the alleged debt owed. Stated a positive balance instead of a negative balance. This is false representation. How could a consumer pay on a positive balance? 

I have attached the documents I sent to the violator.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-15
Company: JPMORGAN CHASE & CO.
State: CA
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:
Chase Bank recommended we apply for a loan modification for a mortgage loan we have with them. We followed all the steps which they required. 11 months later we received notice that the loan application had taken too long and had been cancelled. This resulted in a massive lowering of our credit scores. The reason the loan took long to complete was because there was a problem getting the documents signed. My daughter and I live in different states. 3 times we both went to a notary to sign documents and all 3 times Chase said they done incorrectly. Without notice they then closed the loan. We were never told of late payments. We have been paying on the mortgage on time for 10 years. We don't need a loan modification anyway and would just like our credit to be restored. We did nothing wrong and shouldn't be punished. The people I talked to were useless in helping with this issue. Even though they said they researched the problem they really only looked at the loan and saw that he had been closed. I have the list of people I have talked to and can attach. The loan is now totally up to date in payments and there is no reason Chase can not restore our credit. It was their mistake and needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03
Company: CITIBANK, N.A.
State: AR
Product: Credit card
Issue: Other

Complaint:
I have a Best Buy/Citi Card. I was 3 days late on a {$25.00} payment, they charged me a late fee of XXXX. Since then they have been calling me from an automated service 3-6 times a day, even Sunday.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-15
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I use the app for synchrony bank for discount tire. We did a promotional for one year interest free on your purchase. As most people these days I opt out for paper mail and use the app to pay my bills. Just this month I noticed that the balance had increased a lot. I looked over the account and noticed that they charged interest to my account without ever sending an email, paper letter, or stating on the app that the promotion was expiring. I called the company and they straight up told me that after 30 days that they couldnt do nothing for me. They even admit that the app does not show the expiration and they do not send out email reminders to tell you when it expires. She states that you can only see the expiration date on the promotion if you download the statement every month. I dont know of any company these days, and with the current situation of the world, on why they would not send out a 60 then 30 day reminder for a promotion ending. So, because I thought my promotion hadnt ended yet I got charged XXXX on interest and now XXXX a month for a XXXX interest rate. So every payment I have done is like I never even made any at all. The customer service was rude, told me there was nothing they could do, and then continue to try and get off the phone instead of trying to work with me. I also wanted to do the survey at the end of the call and stated that to them and they hung up the phone before transferring me to the survey. I get some of it is my responsibility, but I also blame this company for making it so impossible and not sending reminders that the promotion was ending all so they can charge the interest and not give someone the chance to pay it off. This company is obviously doing this purposeful to make easy money off of the daily consumer. It is completely horrible that a company is not willing to work with the consumer, not even a little.

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 2016-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Problems caused by my funds being low

Complaint:
I have a Bank of America savings account. I submitted a single payment to my XXXX XXXX account. I incurred five separate overdraft fees which Bank of America was unwilling to refund.

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 2015-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I became XXXX by illness XX/XX/XXXX. All my reserves were spent on medical costs. Missed a payment on my mortgage XX/XX/XXXX. Rec 'd notice of intent to foreclose from Countrywide XX/XX/XXXX. Vacated the house, in anticipation of foreclosure. Filed bankruptcy XX/XX/XXXX, discharged XX/XX/XXXX. Bank of America completely disregarded the bankruptcy and continued to try to persuade me to pay the mortgage, until XX/XX/XXXX, when they sold the mortgage to XXXX. XXXX continued to send me statements on a nonexistent mortgage. Both companies applied homeowners insurance to the property and told me I was responsible for that debt, too. Bank of America went so far as to put retroactive homeowners insurance debt on the property, dating back to at least a year before I stopped paying the insurance myself ; also dated before the bankruptcy by 4 months. They applied an {$11000.00} lien onto the mortgage, as well. I contacted the Comptroller of the Currency with my complaint with complete detail and, after many months was told that I still needed to pay Bank of America, regardless of the bankruptcy. This week I received a letter from something called XXXX XXXX XXXX, which claims to be working for XXXX. It appears they are starting the whole process of trying to collect on a loan that does n't exist. I am still XXXX and unable to work. Every month is a struggle to make the Social Security XXXX, now Social Security due to my age, last more than a few days into the month. These banks need to leave me alone. Bank of America should never have sold this nonexistent mortgage. I communicated all of this information to Bank of America, countless times, and then, to XXXX. Every time I receive a communication from these people, I am reminded of everything I 've lost due to my illness. The grief is unending. I do n't need to be harassed by banks that must have real business to attend to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I contacted the Bank Of America Claims Resolution department via phone on XX/XX/2021 and advised them of the issue with my account. They promptly responded just this time 10 days after I contacted them about the issues with my account. They advised me that they would be contacting me in 10 days and would have a resolution for me due to the issue pressing on for months and months. They did not contact me 10 days after so I filed a complaint with the comptroller of currency of Texas due to the lack of order shown by the Claims Resolution department. They then contacted me and advised me that they would contact me 10 days additional with a resolution since they received and complaint via the comptroller of currency with the issue they hadn't resolved as they advised they would. They then closed the account that the issue associated with and now have told me that they have no information pertaining to the dispute and this is after they have opened me a new checking and savings account number under my same name and have no information regarding the claim from the prior account that was supposed to be resolved per consumer rights laws and regulations. I have been trying to get them to resolve and correct this issue since XX/XX/2021 and am now waiting again on the phone for almost a hour and still no resolve. I'm not sure who this department is that I was sent to to have this issue corrected but I'm very distraught not only to the lack of adherence to Federal laws and regulations required of large corporate banks such as Bank of America, but also because of the fact that a total of {$3300.00} has just mysteriously vanished and they have completely fandangled their way into somehow saying that this dispute doesn't exist at all. The original claim number is XXXX I'm certain that this is a mistake and they hopefully will correct this error. I'm not speaking with XXXX in Delaware in the fraud department. I advised that I would be submitting a new complaint with the issue. Please help me I feel like I just completely have been disregarded as a loyal customer of Bank of America for over 13 years. I was just advised that the original issue was established XX/XX/2021 per Bank of America Representative.

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 2020-06-29
Company: ENCORE CAPITAL GROUP INC.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been making payments to them they have called me 4 times within 6 hours 1 : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX  XXXX XXXX : XXXX XXXX  XXXX I am going to write them a letter and ask them to quit contacting me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
RESURGENT/LVNV FUNDING has reported a collection on my account even though I have a seven-year fraud alert placed upon my account. They have never notified me of this debt via mail, phone, or with a signature to confirm I have received their notice.The credit card associated with the original creditor was reported as in Good standing on my XXXX report but also reported as stolen because my identity was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: GLOBAL PAYMENTS DIRECT INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has been calling me everyday telling me I owe them {$50.00} for XXXXn XXXX. I have never used this company and the only time I have played XXXX XXXX is by buying tickets at local convenient stores, so how do I owe this company money?? I want them to stop with the harassing phone calls and remove whatever debt they claim I have as this is not my debt. I have never played online using the XXXX XXXXXXXX online system, the only thing I have done online with XXXX XXXXXXXX is use the " Play Again '' option on losing scratch offs which was years ago, I don't even think they do that anymore. I have never transferred money to this site nor purchased anything from this site, I have never used this company, and I do not owe anyone any money. I have even checked the site to see if any balance shows and it says {$0.00} so where is the {$50.00} coming from that they claim I owe them. I am not giving this company any money, I want the calls to cease, and I want the debt removed from my name as it is not mine.

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