BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AP
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased the car in XX/XX/2019 through Fifth Third Bank with the first payment of {$380.00} due in XX/XX/2019. I am a XXXX XXXX Service Member and received reassignment orders to report to XXXX XXXX in XX/XX/2019 and called the Bank in XX/XX/2019 to set up automatic payments for the car loan. My understanding was that the automatic payments were scheduled for the duration on my tour overseas. I checked my bank account in XXXX and XX/XX/2019 to ensure the car loan payment was deducted. On XXXX XXXX my daughter called me to inform me that my car was being repossessed for nonpayment and after reviewing my bank statement I discovered that the automatic payments stopped in XXXX. I called Fifth Third Bank as soon as they opened the next morning and was informed that the automatic payments were only for 4 months and that the loan was behind since XXXX. 
I never received any notice from the bank that the payments was late and the loan was in default, I did not receive mail, email or telephonic notice to inform me that there was an issue with the automatic payments even though I informed the bank that I would be relocating oversea and would not have telephonic means of communication. The bank states that they tried to reach me on my old phone number, even though I informed them that the phone would not be in service while overseas after XX/XX/2019. The best way to make contact with me is through email or mail and I did not receive any notice from the bank even though I have another instalment loan with the Bank in which I do receive email communication and updates on that loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a settlement check from a lawyer 's office and although they said funds were available two days after, it still hasn't posted. I contacted the bank several times and am being told to wait that there's a hold until XX/XX/22 the check was deposited on XX/XX/22 .My siblings all received the same check and they all have already cleared by their banks. They have not released any money to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
In the last month, I was assessed two {$35.00} fees for overdrafts that I resolved myself within a 24 hour period. In both cases, the assessment of the fee caused my account to remain over drafted even after I fixed the issue within a short period myself. I sent an email to the bank through my account asking about the fees and got a generic answer with no resolution. Why should the fee be assessed if its the only thing keeping my account in an overdrafted status? Further, what is the reason for such a steep fee? Does it cost the bank {$35.00} to have my account overdrafted? I'd like to understand the cost breakdown to justify this fee.

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 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Creditor : XXXX Inquiry Date : XXXX XXXX Please remove this collection account from my credit report. I have never heard of this company nor have I ever done business with them. 

Creditor : XXXX XXXXXXXX Inquiry Date : XXXX XXXX Please remove this account from my credit report. This account is reporting incorrectly. 

Creditor : XXXX XXXX XXXX Inquiry Date : XXXX XXXX Please remove this account from my credit report I am not aware of this Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Please remove this account from my credit report. I am not aware of this, the company made an mistake Creditor : XXXX Inquiry Date : XXXX XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Please remove this account from my credit report. I am not aware of this, the company made an mistake Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Please remove this account from my credit report. I am not aware of this, the company made an mistake Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Please remove this account from my credit report. I am not aware of this, the company made an mistake Creditor : XXXX Inquiry Date : XX/XX/20XXXX 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 non-monetary relief
Consumer complaint received 2022-04-04
Company: Lending Club Corp
State: KS
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:
Ok i have been trying to clear up some inaccurate late payments with The Lending Club since XX/XX/XXXX and for some reason they will not acknowledge or fix the error art all. There are 2 accounts reporting 30 day and 60 day Late payments in XXXX. Now these accounts are on auto pay and i have never ever missed a payment with the Lending Club. The account they come out of has never overdrawn or anything, so the payments should have been paid out as scheduled. I spoke with Lending Club on the phone about this and told them the error was on their side not mine. Even with this they refuse to take responsibility and are reporting these late payments on my credit profile which is seriously hurting my credit score nd making me look unreliable to any financial institutions causing me to get denied for loans both personal and for my business. If these payments were actually mossed I was never notified properly 21 days before the due date to even clear up the billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: MONEY SOURCE, INC., THE
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The Money Source is my Mortgage company. I filed a bankruptcy and my case was dismissed in XX/XX/2022. I have been sending in a {$100.00} extra dollars on my account to go towards interest. However, XXXX informed me that they were not applying the payments towards my interest payment instead they were applying it because there attorneys charge their services to the clients whenever a bankruptcy is filed. I have never heard of this before and I said so. At this point I said I have never agreed to this and there is no documentation saying the opposite. XXXX  then informed me that I did not need to file anything because this is done automatically. I want the money I have paid to go to paying my interest down this is the only resolution that I am seeking.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
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: Account information incorrect

Complaint:
Once again the criminally negligent XXXX at one of the awful credit reporting bureaus have damaged my credit with false information! I 'm sick and tired of these high school drop outs attempting to destroy my credit! As CFPB must know by now I have filed complaint after complaint against these incompetent XXXX for continuously posting false collections, accounts and a variety of other misinformation on my credit report. Just about one hundred percent of the time after I submit my complaint they remove the lies they put on my report. Now Equifax has a new trick, they dropped my score by XXXX points for no reason at all! All my information was the same from just a week earlier. This financial libel they 're committing against me is a crime and has got to stop! I have worked hard to rebuild my credit and it 's not right for these XXXX to play with my credit wellness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Wells Fargo is refusing to refund monies owed to me and it is unacceptable. 

I closed my credit card with Wells Fargo back in XX/XX/XXXX or XX/XX/XXXX. There was a credit balance of {$25.00} that Wells Fargo says they mailed to me. However, I never received it. I contacted them on XX/XX/XXXX advising them of this and asking how I could go about getting the monies owed. Their response to my inquiry was that they had sent it. I again advised them that I had not received it. Their next message on XX/XX/XXXX stated : " Our records show that the check was mailed to you on XX/XX/XXXX. Before I can place a stop payment on the requested check, I am required to have an affidavit form and cover letter completed and returned to us.You will shortly be receiving in the mail the documents required to submit a stop payment on check number XXXX in the amount of {$25.00}. I never received these documents, so I again contacted Wells Fargo.On XX/XX/XXXX I wrote the following : " It has been 2 1/2 weeks and I still have not received the documents. How am I to get these documents? Can these be picked up and signed for at a branch? This really shouldn't be that hard. I should not have to keep logging into an account that I closed some time ago. '' Now, Wells Fargo response is that I need to go through the Non-Fraud Claims.

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 2020-02-28
Company: KEYCORP
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX, I used KeyBank 's online BillPay service to send a check for {$74.00} to XXXX XXXX XXXX. According to KeyBank, XXXX cashed this check on XX/XX/XXXX. However, XXXX  denies ever receiving this check, even after Key sent proof that the check had been cashed. 

I filed a first dispute with Key on XX/XX/XXXX. I later received a notice in the mail from Key that they had closed the dispute because " XXXX had received the payment. '' However, the payment that XXXX had received was from my XXXX credit card, not from Key. ( I had made the 2nd payment to XXXX using my credit card to avoid late fees on my account ). 

I filed a 2nd or 3rd dispute with Key in XXXX. After being told by XXXX between XXXX XXXX and XXXX XXXX that they had researched their records and found that they had never received or cashed the check from Key, I spoke with XXXX at Key on XX/XX/XXXX, who said the dispute " has definitely been escalated now '' and I should see resolution within 90 days. She gave me the call reference no. XXXX. 

When I called several weeks later to check on the status of the dispute, I was told by Key that I would need to visit my local branch to continue the dispute. During a conference call with both XXXX   and Key at my local KeyBank branch on XX/XX/XXXX, it was finally determined that the check had indeed been cashed, but not by XXXX. Someone suggested the check had been stolen from a mail tray at XXXX. I was told the matter would be referred to Key 's fraud department, and I was told I would receive a notice in the mail within 90 days of their findings and what action they would take. 

I heard nothing more from Key after this. When I called the Key 's fraud department on XXXX XXXX, XXXX, to check the status of my complaint, I was told that it was not a matter for the fraud department, and I needed to call Key 's Online Banking department. I did, and was told by XXXX XXXX would have to file yet another dispute. XXXX also told me she had no record of any dispute except for the first one I filed on XX/XX/XXXX. It appears to me that Key is not interested in helping me with this, and that by telling me to file dispute after dispute and to wait 90 days in between, they are hoping I will give up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: CCS Financial Services, 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:
My name is XXXX XXXX and I am submitting this complaint without any influence from a third party or agency. CCS has violated federal laws, see attached.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the XXXX of XXXX, while reviewing my checking account online, I noted 2 official check requests for a total of nearly {$5000.00} which I had not authorized and had no knowledge of. I immediately contacted USAA through their secure chat line and reported them. Shortly thereafter an email from USAA said a temporary block was placed on my Ipad/tablet for the signature Visa ending in XXXX. XXXX pay transactions will not be permitted but the card can still be used. That was the only communication received from USAA. 

Two days later I tried to get a withdrawal from an ATM and was denied due to insufficient funds. I immediately contacted USAA and was told both my checking accounts were frozen as part of the fraud investigation, and would be frozen for 3 business days. 

On the XXXX of XXXX, I checked my account online and found they were still frozen, and that a fraud affidavit had been mailed to me. I asked they send it by email, but that was declined and it will go to my mail forwarding service, and I will get a pdf of its contents in several days. However, I will not get a hard copy for at least 2 weeks after I return to the US. I was also notified that the fraud investigation may take up to 180 days and may not restore the funds, depending on whether they could be recovered. 

On the XXXX of XXXX, I checked again online and found my account still frozen. I was told by the chat assistant that they would submit a request to the fraud department to find out how long to expect the account to be frozen, but it may take up to 3 days to get a response. I asked about a property tax payment I had scheduled through USAA Bill pay in late XXXX, which USAA said had been completed on XXXX XXXX, but had not yet cleared my account. The assistant said it had not yet been presented to USAA, but if it was while the account was frozen, it would be returned, leaving me vulnerable to the fines and fees associated with returned check. 

I also have a pending property tax payment which had been made through the USAA bill pay system on XXXX XXXX, but which had not cleared my account. I was told the check had not been returned to USAA yet, but if it was while the accounts were frozen, it would be returned accruing interest and penalties. 

Meanwhile, the only communication that I have had from USAA, besides the online chats, was that email on XXXX XXXX. 

So, here I am on foreign travel, with the prospect that I may not get the {$5000.00} fraud that was done through USAAs system with no input by myself may not be recovered, but my current {$20000.00} in my checking accounts are not accessible, and that my property tax payment will likely be returned. 

BY WHAT AUTHORITY CAN THEY CONTINUE TO KEEP MY ACCOUNTS FROZEN?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-04
Company: Rausch Sturm LLP
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just received a random Garnishment on my new personal bank account. 
I did research and found out it's from a debt im unaware from XXXX ( XXXX XXXX XXXX  ). 
The debt was garnished by a company named Rausch & Sturm/ XXXX XXXX XXXX 

I have no knowledge of this debt which is from 2009 when I was XXXX XXXX  of age with no apt/home in 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 2022-04-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I Have made a complaint already on XX/XX/XXXX, Complaint # XXXX. Against Portfolio Recovery Associates LLC. They had bought XXXX charge off 's, One from XXXX XXXX Bank, XXXX. # XXXX, One from XXXX XXXX Bank, Acc. # XXXX. XXXX, XXXX continue to harass me. I sent them Postal Money Order reciet 's, but they didn't believe me so they kept on harassing me. I paid of the both Credit Card 's off in the year of XXXX. But I lost a reciet from XXXX XXXX, a {$50.00}, and XXXX from XXXX XXXX, a {$150.00}. But I did pay them off in XXXX. As I Received my Pension from the Military 100 % XXXX, I wrote them to tell them that, they won't be receiving any money as I paid off the both cards. I was going to small claims court for these both credit card cases in XXXX XXXX, but the co-vid hit in XXXX, California.They canceled all cases. What I Think is, they know they got taken to the bank in other words. They've lost so their very angry. So they get their pleasure from destroying my credit rating for the last 5 years. I'm going to court if I can to get them for financially. So they'll think twice about it next time. Thank You, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, Ca. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Klarna AB
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I Had a hard inquiry that i was informed about from experian on my credit and haven't had help to remove it when i was not at fault. I Spoke To Klarna/XXXX  and they said they would remove the hard inquiry by sending an email to experian to recall the inquiry but i never heard back from them. It has been a week now but the hard inquiry is not removed yet which go against what they promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I try to open a bank account with Regions but it's not let me and I don't know why

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 2021-11-11
Company: Receivables Management Corporation of America
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter to RMC of America specifically asking them to verify debt with breakdown of fees including any and all collection cost and medical charges. I ask for a copy of my signature with the provider of service to release medical information. I was told that they could not validate because the place of service has been closed for years. RMC of America is a place of business and DO NOT have proof of validation. They are violating FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Experian Information Solutions Inc.
State: MI
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:
victim of identity theft submitted all corresponding documents to the bureaus. and they still have not removed this fraudulent account from my report. I am very distressed about this.

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 2020-05-08
Company: JPMORGAN CHASE & CO.
State: MD
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: Problem with personal statement of dispute

Complaint:
I got online to request debt validation from all three major credit reporting agencies in regards to a JPMCB account on or around XX/XX/XXXX I took screen shots of the original amounts and dates on the account when I requested the information upon completion of the investigation asking for detailed account information on this one particular account I noticed that the debt had been illegally re-aged I attempted to disputed the results of the investigation but was told that I couldnt do anything else with that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will call my lawyer and file a lawsuit ASAP!

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