BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-21
Company: SUNTRUST BANKS, INC.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Sometime during the morning hours of XXXX/XXXX/16, SunTrust Bank closed an account I had recently opened with a balance of {$3900.00} and mailed me a check for that amount. When I called/online chatted with SunTrust regarding this incident, I was not given a reasonable explanation. A Customer Service Supervisor I spoke with named XXXX stated that SunTrust, at their discretion, has the right to close an account at any time. I asked for her supervisor, whose named I later learned was XXXX XXXX, reiterated this response but also stated that SunTrust closed the account because they wanted to terminate any relationship with my wife, a coappliant on this account. I stated that my wife has done business with SunTrust for over 5 years and only recently closed her account when we moved from XXXX to XXXX. XXXX declined to provide further details about why the account was closed. Does SunTrust truly have the " right '' to close my bank account at their discretion without at least contacting me first to inform me of their decision. Do I have the right to know why they made this decision? Please help.

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 2015-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On Thursday XXXX Capital left a voicemail @ work saying to call the fraud people by calling the XXXX on the back of my card which I did today XXXX ( I was not at work ). They say there 's fraudulant activity and they have to shut my account. I asked for 24 hours so I can notify all the vendors linked to my account and they say they can not do that ; the best is the card will be frozen for all transactions. I have to answer a fraud questionnaire. Then I have to wait 5 days for a new card in the mail. 
I feel this is unfair treatment. I should be able to notify my vendors and be given new card information to work with immediately. The world does not wait for things to arrive by mail. 
lastly, the company says they can not tell me the name of the company where personal information was released because of the " ongoing investigation. '' That 's like saying you were XXXX but you are not allowed to know who the XXXX is. 
finally, Capital one claims they called my cell phone and " could not leave a message '' ( no reason why ) and they called a number that apparently they had on record that I had called from at one point in time. It turns out that is my BOYFRIEND 'S phone number. If that had been an ex-boyfriend that could have been dangerous for me, possibly. I do not like that they could call that number without having asked for permission to use that number. That appears predatory and beyond cautious despite some " fraud '' that I know nothing about. I know we need to know about fraud and that they need to be careful, but this seems BEYOND careful and leaves me feeling like a victim. ] I WANT TO KNOW WHAT MY RIGHTS ARE WHEN IT COMES TO NOTIFICATION AND AFTER EFFECTS OF CREDIT CARD FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Agency the following companies have made some violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC 1681 Section 602A states I have a right to privacy 15USC 1681 Section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Agency the following companies have made some violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC 1681 Section 602A states I have a right to privacy 15USC 1681 Section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction.

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 2016-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Sometime around XX/XX/XXXX or XX/XX/XXXX my wife got a notice from Capital one bank indicating that we owe on a credit card. we responding that we never had a Capital one credit card, but was taken to court. the case was dismissed in court but Capital one has been still trying to collect, using one collection agency after another. every time we send the collection agency the court dismissal notice another collection agency would contact us. we did not hear from anyone in years so we thought this matter was resolved, however we just got a notice from XXXX XXXX XXXX trying to collect the same Capital One account. Capital One Bank has still been sending us Credit Card approval notices, so if these approval notice get into the wrong hands the same thing can happen again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I sent {$1000.00} to XXXX XXXX XXXXXXXX XXXX XXXX as a deposit for a new fence, with Zelle XXXX through XXXX Bank XXXX I called him several times at XXXX, he said he was coming, then nothing! I found him on the internet, because of many other people he has scammed. I filed a complaint with Zelle, they said it was my banks problem, I called and filed a complaint with XXXX, they said sorry, we are not responsible. I filed a Police report with XXXX XXXX, TX, I do not think they even looked into this. I know now that I should of been more careful, but I thought this would be protected like a debit card, or credit card transaction. Institutions should not be able to provide a service they do not claim responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX. I opened an account at BBVA bank which was subsequently acquired by PNC Bank. On XX/XX/2021, payment of {$3100.00} for work performed for one of my clients was deposited in my account ( account # XXXX ). On XX/XX/2021, PNC removed the funds from my account. I subsequently received a notice dated XX/XX/2021, indicating that my account had been closed. 
Subsequent discussions with PNC personnel were an exercise in frustration since they would not return my funds nor provide an explanation why they refused to do so. After approximately XXXX hours of talking to multiple employees at the branch and other locations I was referred to, I received a cashiers check for the amount belonging to me. I deposited the cashiers check in my account at XXXX XXXX XXXX  and quickly learned that they placed a stop payment on the cashiers check. 
I have not received my funds and PNC personnel continue to be unresponsive on why my hard-earned funds are not being returned. Accordingly, your assistance on this matter would be appreciated. 
Attached are copies of the PNC account statement reflecting the removal of the funds from my account, the notice that my account was closed, and the statement from XXXX XXXX XXXX indicating the reversal of my deposit due to the PNC stop payment on their cashiers check.. 
Thank You for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
The school closed in XXXX, TX. XXXX College For a few years my loans were with XXXX. I had some hardships, the payments were outrageous and they would not help me at all. I lost my job and they were still telling me to pay and said this is as low as we can go. It made it harder than it should have been. They had my information form XXXX College but they closed. I asked how I can get that loan dismissed because it closed and I didnt even complete my degree yet. They told me they would be deferred for a year but I received a statement saying I need to pay {$310.00} by XX/XX/XXXX. I am still unemployed. I owe {$30000.00} and Im just trying to get help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I opened an account with Capital One eariler in 2016, and it only had XXXX dollers on it. So, Far I have paid them over XXXX dollers and have a balance still of XXXX. They said it was because of the fines and fees, but I have made all of my payments on time, except for one ; which I paid immediately and asked for the lady to change my account settings, so that no purchases could be made on my account, she did not representate me correctly, and left my account open allowing repeat transcations to be purchased ; after I asked for her to close my account, so that I can only make payments toward the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
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: Reporting company used your report improperly

Complaint:
List of violations ; In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX  XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : 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 2022-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 1681 section 602 states I have a right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: Debt Recovery Solutions, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CFPB just found this company to wrongfully try to collect a bogus Debt from me. They have since removed their collection from my  XXXX  credit report but now have appeared on my  XXXX . This company told the CFPB that they would remove EVERYTHING associated with me immediately. They have NOT. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XX/XX/2021 To : Wells Fargo XXXX Complaints Management Office Wells Fargo Credit Card Customer Service Cc : Consumer Financial Protection Bureau XXXX XXXX XXXX Cc : Federal Reserve Consumer Help XXXX XXXX XXXX XXXX MN XXXX Re : Bank-originated, invalid charges on my credit card Wells Fargo XXXX Visa account XXXX Wells Fargo case number : XXXX Wells Fargo complaint ID # XXXX - XXXX XXXX XXXX Dear Representative, I am writing to seek assistance with false, bank-originated charges that Wells Fargo has placed on my afore-referenced credit card account, and which heretofore Wells Fargo has been unwilling or unable to correct . 

I telephoned the bank on XX/XX/XXXX and spoke to a representative who referred me to a customer advocacy group at XXXX. I spoke to an escalation representative named XXXX who was sympathetic but unable to help. 

The story from the Wells Fargo representatives is that : 1 ) I performed electronic payments from my checking account XXXX to my credit card account XXXX on many occasions. 
2 ) On a few of those occasions, Wells Fargo applied an incorrect Transaction Date 3 ) To correct the transaction date, Wells Fargo is reversing the credit However, Wells Fargo is reversing my payment, but not reapplying the payment with the correct transaction date. This results in Wells Fargo debiting my checking account, but not applying the corresponding amount to my credit card. Effectively, Wells Fargo is misappropriating funds from me by debiting my checking account but not crediting my credit card account. 

The following charges on my credit card account XXXX represent invalid reversals of legitimate payments out of my checking account. 

Transaction date, Posting date, Amount, Description XX/XX/2021, XX/XX/2021, {$46.00}, Online Payment XX/XX/2021, XX/XX/2021, {$160.00}, Online Payment XX/XX/2021, XX/XX/2021, {$80.00}, Online Payment XX/XX/2021, XX/XX/2021, {$100.00}, Online Payment XX/XX/2021, XX/XX/2021, {$510.00}, Bank Adjustment Total to date : {$890.00} So at this time, there are just under {$900.00} of invalid bank-originated charges on my credit card account, and I have been unable so far to get this corrected. 

Assistance would be greatly appreciated. 

Sincerely XXXX XXXX XXXX XXXX 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 2016-12-19
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
After I had sent a letter to Sunrise Credit Services asking them to verify any alleged debt with proper proof of documentation, the collection company refused to respond, made repeated dropped calls to my phone, and left blank voicemail messages.

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 2016-09-14
Company: Harvard Collections, LLC
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
COLLECTOR FAILED TO VALIDATE, CEASE AND DESIST AND SKIP TRACED FAMILY MEMBERS AFTER HOURS IN VIOLATION OF TCPA. skip tracer : XXXX at XXXX see attached records and vioce.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have frequently requested to Kimball Tirey & City of XXXX XXXX, to provide me with an explanation of the amount they claim I owe, how that amount was calculated and account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
TRANS UNION is reporting a fraudulent tax lien on my credit. Even though they have removed the other fraudulent tax liens

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-01
Company: ALLY FINANCIAL INC.
State: PA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I leased a car from ALLY Bank and was charged a Sales/Use tax of {$28.00} per month for 39 months. My husband leased an auto from XXXX XXXX XXXX for the same period and he is not charged a sales tax. We XXXX live in the same residence in XXXX, Pennsylvania. Is this legal?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing today to exercise my right to question the validity of the debt your agency claims I owe, pursuant to the FCRA, Fair Credit Reporting Act. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX  has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2016-11-15
Company: Convergent Resources, Inc.
State: MI
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:
I paid the debt they ( Convergent Outsourcing ) tried to collect directly to the original creditor ( XXXX ) after not getting any response back from this collection agency in a timely matter. This company never owned this debt outright but still reported on my credit reports without notifying me of the debt. The company began reporting during the same time that another collection agency was trying to collect on the same debt. According to my reports, the company opened their account in XX/XX/2016, however, another collection agency still had the debt at the time. The other agency did not stop reporting until XX/XX/2016 at which point Convergent had already started reporting that same debt. I got Convergent 's address through my credit report and I sent letters to Convergent trying to resolve the issue with them even though they never called or sent out notice of the debt. I did research on Convergent and read horror stories about how they buy old debts to try to collect on them, harassment, deceitful tactics, etc. and based off of SEVERAL consumer reviews and no prior notice from or knowledge of this company, my safest bet was to pay the original creditor directly which is what I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: AES/PHEAA
State: OR
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:
My loan servicer has incompetently processed my documents, provided me with false information, and incorrectly denied me the payment plan I requested to receive which has resulted in XXXX of dollars of interest incorrectly accrued to my student loan debt. Fedloan servicing has caused me financial stress through a lack of accountability in their processors, and I have spent several hours on the phone and over a year writing correspondence to attempt to correct this issue to no avail. I have exhausted many alternatives trying to deal with their bureaucracy which has accomplished nothing except tacking on XXXX of dollars to my principal. So now I seek external accountability measures to redress this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18
Company: Convergent Resources, Inc.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Convergent Outsourcing Inc has placed a collection item on my report from XXXX for equipment that was returned when services were canceled. I 've never received any documentation notifying me of this collection and this item needs to be removed from the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a credit alert through my Credit monitoring service that CONVERGENT OUTSOURCING had reported an unpaid debt to XXXX credit bureau. I cantacted Convergent three times trying to verify the dept in writing and after two month i 'm still waiting. I was told over the phone that I owed XXXX money ( could no tell me how much ). I joined XXXX and they were not able to connect our unlocked iphones. We tried with them for two weeks and finally they gave us an option to buy phones from them of cancel the service. We cancelled the service and since we were not able to use their service, they told us that we do not owe them anything. We never received any bills of phone calls from them.

Company response to consumer: Closed with explanation