BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
I was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX - XX/XX/XXXX. 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, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Checking or savings account
Sub-product: Savings account
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The savings account that I had with Citizens was an overdraft account and linked to my checking account at Citizens. Well because I had some issues making payments it went to a collection agency. the balance I owed was around {$500.00} and the collection agency offered me a XXXX time payment of {$220.00} which would then make the account considered settled and closed. 
So on XX/XX/XXXX I made a payment of {$220.00} to XXXX XXXX XXXX. I went ahead and attached the letter showing the account was settled and paid in full and closed. On my XXXX  credit report it shows under account status that it was paid and closed. Stating account was paid less than full balance and was updated on XX/XX/XXXX. 
For some reason XXXX  is showing that I owe {$690.00} and the status is Collection/Charge-Off, which is incorrect. The last time it was updated was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: BB&T CORPORATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have XXXX bank accounts with BB & T, neither are used as overdraft protection for the other because I preemptively " opted out '' for both accounts with the understanding that BB & T would decline all transactions if/when my accounts have insufficient funds. On XXXX XXXX, 2016 BB & T transferred {$140.00} out of XXXX of my bank accounts without my permission. The {$140.00} was apparently taken to pay off a {$5.00} service fee and {$140.00} of overdraft fees amassed from {$45.00} being pulled from my account as result of XXXX 's default settings. Again, my understanding of the " opt-out '' option was that the bank would decline all transactions if funds were not available. Nonetheless, I have made a voluntary payment of {$45.00} within the last 30 days, but the forced transfer of {$140.00} on XXXX XXXX was done without my permission and to my detriment as I have other, more pressing expenses to handle right now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: WELLS FARGO & COMPANY
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I bought a used car for around {$18000.00} back on XX/XX/XXXX  last year. I've made more than my share of payments and the car is almost paid off despite the lock downs and unemployment. I have never been late on a payment. But Wells Faro Auto decided to change their website insuring that we all would have to start over again. In my case they deleted everything they don't even recognize their own loan number they are that stupid. So w/out a number they recognize I can do nothing I can not even log into my account anymore and there is no way to do so. You can not contact them through phone or email because THEY LOST MY ACCOUNT NUMBER SO THEY WON'T ALLOW ME PAST THEIR ROBOTS! So the ONLY option if XXXX where they promise a quick response. That is yet another lie it took quite some time but someone finally responsed then denied me help WHEN I REFUSED TO POST MY INFO ON XXXX FOR THEM TO LOOK UP! Then they blame me for not providing sensitive private loan info on the world 's worst website! Would you post you info on a Wells Fargo XXXX page? 
They could call me but they are too self centered to even consider such a thing.

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 2022-01-05
Company: EQUIFAX, INC.
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:
I filed a dispute with equifax about XXXX XXXX. I had called and canceled my service and i was still being billed from XXXX. I have tried multiple times to get this removed from Equifax and XXXX. I am not satisfied with the response I have received from XXXX or Equifax. There in the business of handling people credit as it effects the outcome of buying on credit yet they take no financial responsibility of ruining someones credit. They are quick to post information on someone credit and yet they take there time in determining wrong information on someones credit report and when and if it will be removed. When time is of the essence. Also I feel XXXX is retaliation because of my prior complaints and have decreased my credit score by XXXX points for a account that I have never been late on I have a good standing and the balance is {$110.00}, XXXX points for one account seems a little excessive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: NAVY FEDERAL CREDIT UNION
State: KS
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Navy federal credit union froze my check8ng account on mpre than 3 occasions. They locked me out of my checking account amd saving account due to not repayment of a loan on time.it acused me to change my direct deposit of my pay check to another financial institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Commonwealth Financial Systems, Inc.
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A Commonwealth Financial Services collections account appeared on my credit report a couple of months ago from a XXXX XXXX stay. At no point before the account appeared was I notified of an amount due that wasn't covered by insurance. Upon finding out about the collections account, I contacted Commonwealth for more information on the debt and they gave me the original creditors ( and subsequent client 's ) information. I reached out to my insurer and they researched the account and figured out that the physician 's office had billed incorrectly. They were able to get the claim re-processed and paid as of XX/XX/XXXX. The insurer sent me an Explanation of Benefits and informed me that they were unable to reach the original creditor ( XXXX XXXX XXXX XXXX ) and notify them. I have since reached out to Commonwealth Financial Services and have gotten nothing but the run-around and voicemails, I simply wanted a way to provide them proof of payment directly from my insurer, so that they could delete the records from the three credit bureaus. This is harming me because I now have a scarlet letter on my credit files die to no fault of my own, which had caused a significant drop in my credit score during a very trying time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: BB&T CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been a customer of BB & T bank now for about 4 months and from inception, it has been a nightmare. I believe their fee processing borders on the unethical. Recently I was in a situation were BB & T charged me {$250.00} in fees for a returned item and overdraft situation. Because their systems are so inadequate, I received {$140.00} in unnecessary fees that I flat out refuse to pay. That said, I do accept responsibility for {$100.00} in fees ( XXXX returned item fees and an overdraft fee ). The worst part is that customer service has been almost antagonistic in dealing with me, and totally unhelpful. I have already moved on to a new bank and am willing to walk away completely from my current negative balance of {$450.00}. But to avoid a negative reporting on my credit and elsewhere, I would like to settle my current {$450.00} negative balance for {$310.00} and close my accounts. The difference being the previously mentioned {$140.00} in unethical fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
My identity has been compromised and leaked by someone I do not know.

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 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My identity has been compromised and leaked by someone I do not know.

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 2022-02-20
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Midland Credit Management charged my bank account XXXX times during a dispute. Also, they charged XXXX different bank accounts for different amounts during the same month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: CITIBANK, N.A.
State: CA
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:
XX/XX/XXXX authorized online XXXX XXXX XXXX charge {$13.00} to Citi Credit Card. In XX/XX/XXXX, discovered a merchant Id never done business with nor heard was making multiple charges to my card of XXXX. Called Citi Security. They chose to immediately cancel card. Got new card reissued XX/XX/XXXX. Citi decided to deny fraud & transferred unauthorized amount 2 new card, which I refused 2 pay, creating past due status, charging multiple late fees, multiple interests charges & reporting delinquency to credit bureaus, ultimately destroying my creditworthiness & lowering my credit limit line 2 {$800.00}. In XXXX, while very ill & many life altering issues ongoing, my credit card balance was paid 2 stop the bleeding. Ive made many, many calls 2 Citi. Have got most of Late Fees & interest charges reversed. Yesterday I was given & XXXX courtesy credit. But heres the unresolved issue. Ive twice called the company that made multiple charges ( XXXX XXXX XXXX ) to be informed theyve never received a cent from Citi. They closed their account showing fraud under investigation. So I paid full amount 2 Citi who never sent a XXXX to  so-called merchant, yet they cant tell me where the money is & how theyre going 2 get it back 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 2022-02-20
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
CitiCards CBNA is inaccurately reporting XXXX late payments on an account that was discharged in XXXX XXXX - Bankruptcy. This creditor is vindictively refusing to correct the error in reporting to the credit bureaus causing me severe financial harm and increased interest rates on accounts with other creditors. 

I have submitted disputes through the credit bureaus and attempted several times to contact the creditor directly, where they hang up on me or direct me to pre-recorded information that is not relevant to my situation. The single time I was able to speak to a customer service representative for CitiCards CBNA, they told me I need to pay the discharged debt in order for them to take any action on my credit report errors. Attempting to collect a discharged debt in Bankruptcy is a violation of Federal Bankruptcy Law The debt was discharged in XXXX and the vindictive nature of CitiCards CBNA actions is to circumvent Bankruptcy protection laws and attempt to collect the debt that was legally discharged.

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 2015-07-20
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I had an insurance claim on my house at XXXX XXXX XXXX XXXX on XXXX/XXXX/15. My mortgage company refusesto release the insurance proceeds. They sent me {$3900.00} months ago but will not release the last {$8000.00}. They keep saying that they will send aninspector but nobody ever calls or shows up. 
I have made all the repairs and I need my money. 
Thanks, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Mercedes Benz Financial Services
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/19 Balance : {$22000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: FIRST HORIZON BANK
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 and XX/XX/2022 I sent a formal request to First Horizon Bank for validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local NC laws regarding evidence that I have a contractual obligation to pay them the {$19000.00} auto loan that they are reporting to all XXXX credit bureaus under my social security number. 

Both times I sent the request, I received a letter back stating that they can not verify my identity although I have provided them with my full name, address, and social security number. Instead of First Horizon Bank doing the proper due diligence to investigate their violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, they are stalling and are not conducting a fair and proper investigation. Under the FCRA & FDPA if they can not validate the debt that they are reporting, they must request that all XXXX credit bureaus delete the entry. By failing to do so, they are in violation of the FCRA & the FDPA. 

I have attached a copy of the listing on my credit report, and can provide a copy of the letters that I have sent them upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: The CBE Group, Inc.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
CBE Group is harassing me with continued phone calls twice a day or more. I do not owe any debts to anyone. they continue to call. I have called them and they continue to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Please direct this to XXXX XXXX XXXX office, executive board at Chase. The USDJ/FBI has background, XXXX, IRS estate tax proceeding obstacle as to why my XXXX lifetime credit score was impacted, beyond control. Very complex. 

Recently, opened a Chase Account -- Intend to make good XXXX day. I have appreciated the credit card for personal, trust and businesses. Wish to restore honor, now and to the future. 

QUESTIONABLE CHASE EMAIL : This morning, an insufficient funds notice was received -- XXXX -- XXXX/XXXX/XXXX. 

I went to check an ATM -- plenty of funds. 
Hundreds. I carry figures in my head -- along with on-line banking. Daily, I know how much approximately is in approximately XXXX business or trust/ personal accounts. It may be that Chase is too slow at registering deposits as it appears this is a real error on Chase 's calculation -- which may XXXX day clear. Today, plenty of funds. No reason for the insufficient funds email. 

I believe that Chase downloads with many transactions that can be pending for days, to include cash deposits could be greatly improved in speed. 

This has happened at Chase Prospect/ database, as well as in XXXX XXXX I believe that, as an example, if a client withdraws {$100.00} cash from the ATM -- overnight calculation is quick enough across the board. It seems that when the statement of XXXX last transactions is printed sometimes at the ATM, there could be a list of " Pending Transactions '' that one would have expected to have cleared days, maybe even a week or more ago. This may be a setting in the computerized system. I enjoy having the convenience of several bank accounts, with different banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
My XXXX suggested I use Credit Care/Synchrony Financial for a couple of root canals since I could not afford it on my own. CC gave me a whole year to pay monthly at 0 % APR yet, then after that year the APR would increase to 26.99 % APR. Within that first year ( XX/XX/XXXX ) I paid {$1600.00}. But, when the year was over ( XX/XX/XXXX ) CC added back the amount I had paid along with the 26.99 % APR. I have never had that happen to me before with any other credit card, that when the promotional rate is over, your hard earned payments during that time are added back to the card! I talked to several customer service reps saying that this is how they handle all accounts if they have not paid in full during the promo time. I find this abusive to the consumer and unjust. I now have to not only pay the {$1600.00} all over again but with an additional 26.99 % APR. This is just downright consumer abuse.

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 2020-01-12
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with overdraft
Sub-issue: Overdraft charges

Complaint:
Today is XXXX 2020.i have a XXXX XXXX prepaid American Express card.i was suppose to have had my refund advance put on this card today.so i waited 2hrs for an  email saying my funds was deposited.that never happened.so i called the card and it said my account was suspended .i didnt get an email til after i called the card.i talk to someone and she said my card overdrafted on XX/XX/XXXX due to a purchase that i made XXXXthats a  prepaid card how is that possible.that was not my fault.i have XXXX kids and i need my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14
Company: Collection Bureau of America Ltd.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
collection company name is : collection bureau of america, XXXX XXXX   XXXX XXXX, XXXX. CA XXXX tel : XXXX My account with them was paid off and they sent me a letter said it's {$0.00} balance since XX/XX/2020. but it still showed on my credit report. it's over 30 days, but it still how son my credit report. they are not willing to report to XXXX and XXXX to remove this record from my credit report.

Company response to consumer: Closed with explanation