BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have on many occasions asked XXXX XXXX to verify or validate the account that they have on me. They have refused to supply me with any documentation which states I owe them other than a letter. I specifically asked for this last week. Customer service XXXX stated they couldn't provide me with it on one occasion during our conversation and that she would provide me with any paperwork that would state such. I have a recorded record that will prove this claim of my conversation with their agency rep XXXX refusing to provide me with such. She stated I was in a no contact status, however, they sent me paperwork 2 weeks ago while under such agreement but withheld any documents showing their ownership or my obligation to them. 
I have also asked all 3 CRA for copies of verification and validations. I have also asked the reporting agencies for proof of their specific methods used to verify the account. I have not received any response from the XXXX reporting agencies yet. While its not my intention to sue the firm, I will file with the FTC and provide the audio recording as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card
Issue: Other

Complaint:
On or about XXXX XXXX, 2015, I was made aware that USAA FSB pulled my credit bureau on XXXX XXXX, 2015 for a credit card application that I was/am a non-spousal authorized user. Per FCRA, this is not allowed. I advised USAA of that on XXXX XXXX, 2015 and was advised to fill out an " official USAA consumer complaint form, '' which I did and submitted to them on XXXX XXXX, 2015. On XXXX XXXX ( late per statute ), I received a response that they would not investigate my complaint as it was " frivolous or irrelevant. '' I want the fraudulent inquiry removed from my credit bureau. Thank you ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: CHARLES SCHWAB CORPORATION, THE
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Legitimate Real Estate Agent XXXX XXXX XXXX contacts me and says he has a buyer for my XXXX timeshare. He says I have to send a cashiers check or postal money order to XXXX XXXX XXXX, a title company in California to have the title search report done on my timeshare. I send XXXX via Postal Money orders off my debit card to XXXX and as soon as I do this, I get another email from XXXX XXXX saying there is a problem and he needs to send a courier to me to sign the documents in person and then I 'll get my money. When I try and call him or email him, all phones are turned off and XXXX is now off the " Online XXXX '' which I later find out is fraudulent in and of itself and I 'm out my money. I file fraud complaint with Charles Schwab Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: DISCOVER BANK
State: UT
Product: Credit card
Issue: Bankruptcy

Complaint:
I was not able to make last month 's payment to Discover Card, because I needed to pay my Bankruptcy Attorney. On XXXX XXXX I started to get the collection calls. My bankruptcy attorney advised me not to answer the calls until I could provide them with my case number. My phone number is confirmed in their system, as I have made many calls to them from this same number in the past. Per FDCPA, collection call attempts are limited to XXXX times per week on a verified number. On Thursday XXXX XXXX, I received XXXX call attempts.On Friday XXXX XXXX I received XXXX call attempts. On Saturday XXXX XXXX I received XXXX call attempts. This totaled XXXX call attempts for last week. On Monday the calls continued. On Monday, Tuesday, and Wednesday, I received XXXX call attempts per day - totaling XXXX attempts and the week was n't even over. Additionally, I received XXXX messages, and neither of them included a Mini-Miranda as required by FDCPA. The XXXX message was received on Monday XX/XX/XXXX XXXX. According to FDCPA, the collector must allow XXXX hours before re-attempting after leaving a message on a verified machine. My full name is provided on my answering machine, thus it was a verified machine. The XXXX message was received on Tuesday XX/XX/XXXX at XXXX. My Chapter XXXX bankruptcy case was officially filed on Wednesday, XX/XX/XXXX. I answered the XXXX attempt from Discover Card that day at XXXX, and advised the representative that my call was being recorded as well. She advised that Discover Card does not " give me permission '' to record the call. I ignored her. She then proceeded to discuss my account details without proper verification, and she did not recite the Mini-Miranda either. I stopped her and advised I had filed bankruptcy. She acted as though she did not believe me. I provided my attorney 's name, attorney 's number, chapter XXXX, and case number. She then continued to try to collect by stating that I 've had an excellent payment history in the past, and that I would have difficulty getting a discharge because my last purchases were as recent as XXXX. I advised her that she would need to speak with my attorney in regards to the matter. She persisted, and tried to convince me that I would have a difficult time filing. I again advised her to contact my attorney. The call was then terminated. Later that evening at XXXX on XX/XX/XXXX I received a collections email from Discover Card indicating my total balance, my past due amount, and the Mini-Miranda was finally provided. Regardless, I had provided my bankruptcy information XXXX hours prior to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
XX/XX/2016 started loan application with CashCall Mortgage. By XX/XX/2016 I had provided them with all requested documents. The appraiser they selected cam out XX/XX/2016. The agent was telling me he had locked our loan at 3.625 % no fees and cash back loan 30 yr fixed. Said he needed all docs signed and sent back. I informed him he had not sent me anything. He tried to send them by XXXX XXXX, but said they were having problems with the software. The processor was able to send them to me and we electronically signed them and got confirmation from her that she received them the same day XX/XX/2016. The agent then calls me and tells me they are not going to fund the loan because the lock is going to expire and I did not get them the docs back in time. They sent us a XXXX with the same docs that we signed electronically, and we sent it back also the same day. I argued and asked to speak to his manager. That has never happened, and our loan has not funded. I am extremely upset about this. I need some help to get this loan funded. Closing Disclosure dated XX/XX/2016 signed the same day. Closing date was to be XX/XX/2016 and Disbursement Date XX/XX/2016. Please help.

Company response to consumer: Closed
Consumer complaint received 2022-11-04
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We made a purchase with our TJX rewards card for {$32.00} The purchase did not work out and we return the items the next morning, they said that they had refunded that amount back to the TJX rewards card. So there should be a XXXX balance on the card. 
They sent a bill later with the {$39.00} plus a {$27.00} fees charge for late fee ( {$25.00} ) XXXX min interest fee ( {$2.00} ). 
We reached out to the the credit card to resolve the issue. We spoke with XXXX, company code XXXX. She stated that they didnt see the credit And that they could only file a dispute.She also stated that she was from the collection agency of the bank that works with the TJX rewards card and that she could not look up our transactions. 
She refused to work with us to remove the balance XXXX stated she could only file a dispute. 
If you could please help as they should be able to see both the purchase transaction XXXX the return transaction, this should have been an easy solve.

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 2022-11-04
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After numerous efforts to correct the amount owed with XXXX ( XXXX XXXX XXXX ) for the amount owed for services after canceling internet, there was not an agreed amount to close the account. XXXX  continued to send billing statements for an amount that was not considerate of their own delays in canceling services when first requested and is detailed in a FTC complaint filed awaiting response. Enhanced Recovery Company ( ERC ) has since proceeded to demand further amounts above XXXX fees. On XX/XX/20 I had called XXXX XXXX to discuss the matter from which they could not resolve but did proceed to file the credit impacts to my scores from which should not occur due to the circumstances leading into this event. The representative did not even discuss options nor try to resolve the issue. These credit impacts need to be reversed immediately until XXXX ( XXXX XXXX XXXX ) corrects fees attributed to their poor customer service and delays in responding to cancellation activities

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: I.C. System, 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: Information belongs to someone else

Complaint:
Even after my consumer statement clearly states I will not and do not contract nor consent to any accounts being sold and collection agencies trying to pursue me for an alleged debt. I.C. Systems put a collection on my credit file without my consent for the amount of {$250.00} dollars and has damaged my score and continues to do so.

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 2015-04-26
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I called bayview to ask why they were charging me late fees on my mortgage, when I send my payments two weeks ahead of time.I can send my payments on the first of the month and by the XXXX. off the month and they will tell me they have not recieve my payment and will charge me a late fee, I have until the XXXX of each month before my payments are late.When I called bayview loan servicing on XXXX XXXX, 2015 an ask when will they send my XXXX to file my taxes, they said that it will be mailing them out on a saturday XXXX. I waited until the end of XXXX and I still did not recieve a form. I called bayview back and they said oh we sent them out and if it do n't come go online an get a copy on their web site. I went on their web site an could not find it When I called them back and asked about my XXXX, they did'nt want to talk about the form an kept asking me why they have'nt recieve my payment. I called back in XXXX and asked them to send out a XXXX again, an all they wantrd to talk about was my payments being late. All along its seem like l am getting the run around, I 'm still waiting for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I HAVE RECEIVED A LETTER FROM WELLSFARGO DATEDXX/XX/2016 SUBJECT A CREDIT TO YOUR MORTAGE ACCOUNT LOAN NUMBER XXXX @ XXXX XXXX XXXX, XXXX , MO XXXX. IT SAYS. WE ARE WRITING TO LET YOU KNOW THAT A MORTAGE ACCOUNT REFENCED ABOVE WAS IMPACTED BY THE SETTLEMENT AGREEMENT, WHICH PROMPTED US TO PERFORM A REVIEW OF THIS ACCOUNT. DURING THE REVIEW WE DETERMINED THAT IS MORTAE ACCOUNT IS DUE A CREDIT. WE APOLOGIZE FOR THE INCONVENICE AND HAR CREDIT YOUR ACCOUNT.IT GOES ON A SAYS. DURING OUR REVIEW WE DETERMINED THAT THE ACCOUNT IS DUE A CREDIT OF {$330.00} AS A RESULT OF AN ESCROW ACCOUNT PROCESSING DELAY. WE HAVE CRDITED YOUR ACCOUNT FOR THIS AMOUND AND YOU WILL SEE THE REFLECTED ON YOUR BILLING STATEMENT. I DO NEED A THE MONEY APPLIED TO MY ACCOUNT, BECAUSE I AM IN BACKRUPCY. MY ACCOUNT IS NOW BALANCED OUT. IF NEED FOR THEM TO SEND ME MY XXXX. ( FROM GREEN CASE PENDING BEFORE THE US BANKRUPCY COURT FOR THE DISTRICT OF MARYLAND CASE # XXXX ) THIS WAS FROM CLASS ACTION SUITE . I NEED FOR WELLS FARGO TO DO THE RIGHT THING AND SEND ME MY {$330.00} MY ACCOUNT UNDER BANKRUPCY CASE IS PAID THRU THE COURTS AND DO NEED A CREDIT AT THIS POINT.

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 2022-11-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/2022, I've initiated a balance transfer of {$3000.00} from my Citi credit card to XXXX XXXX credit card. They claim that the balance transfer should take 2-4 business days to complete. On XX/XX/XXXX, the balance transfer posted on my Citi credit card account, however, today, XX/XX/XXXX, the money is still not in the XXXX XXXX account. I've called XXXX XXXX and they assured me they don't have anything incoming from Citi bank towards my account. 

Now, Citi claims that everything is correct on their end and the money was sent successfully and received by XXXX XXXX. XXXX XXXX claims that they never received the money. Each side tells me to go and talk to the other side about this without actually opening investigation or trying to resolve the issue. 

My money disappeared somewhere inbetween and nobody is doing anything to find it, but the best part is, Citi bank posted this transaction to my account- so now I'm still responsible for paying it back to them, even though I never received the 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 2021-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My bank account is blocked with XXXX debt after i receive ACH transfer, 1 month ago and until today And I havent receive answer from the bank and the bank do not reverse the funds to the sender, no body at the bank tell nothing, not official communication, nothing and I dont have the money and the sender do not have the money too.

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 2015-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I have a business account with Bank of America and as I was reviewing my account on line I realized that some company debited my account 3 times for a total of {$590.00} from my account with out my authorization. I called B o A and file a claim, and received a temp. credit for {$590.00}. Now B of A is sending me a letter telling me that they have made the decision of charging me back the {$590.00} because the charges are valid. I called two weeks ago and requested to speak with some one regarding this issue. I told them that I never authorized those charges. Today I received a second letter telling me that again they are charging back the {$590.00}. I requested again to speak with some one and I was told that some one may call me back but that it was not for sure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-18
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had account with XXXX XXXX open this account in XXXX XXXX., I'm in good standard with XXXX XXXX i was approved for XXXX dollars the company deducted my credit limit to XXXX dollar without a reason .I notice that my account was closed without noticed this adverse action my account should have not been closed according to 12 cfr 1026 ( b ) ( 1 ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: EQUIFAX, INC.
State: TX
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:
The account was closed after the equipment was returned. XXXX keeps the account open without any services provided and then claim an amount to be paid and tuns it into collection. This way of intimidating customers not to cancel services because of XXXX overpowering forces of illegally misrepresent customers ' credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: ALLY FINANCIAL INC.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ally Bank keeps " suspending '' access to our external bank accounts. This is the case for multiple people in our family who have accounts with Ally Bank. 

The do NOT provide notification of the suspension, and when called, they can not give a reason for the suspensions. 

They are only allowing access to other Ally Bank accounts within a specific login. 

This is causing a serious problem for us specifically, since one of us is POA of an elderly mother 's savings account and funds are used to pay her Assisted Living Expenses. 

The current suspension was discovered when logging in to do a transfer to a checking account which is with another bank. [ No! we will never have a checking account with Ally Bank because of this issue! We can not trust them now. ] To get a resolution requires several days of trying to contact Ally Bank and them doing research before they finally release access to the external accounts again. 

This issue also spills over to access to our funds through XXXX. Ally Bank has several times blocked XXXX payments to people we have paid in the past with no issue, but Ally Bank will not allow the XXXX payments to process. 

When asked, as usual, they can not give a reason why. 

We are beginning to question the solvency of this institution. If that is the issue, then this is very serious.

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 2022-11-04
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a complaint about a debt collection agency contacting me about surprise medical debt. The charges listed against my account were unknown to me all this time and for the charges to be in debt collection now are an issue to me. We are contacting the hospital to discover why we were never contacted about the listed charges by the hospital for years. We are also contacting them for necessary information, proof of benefits and services, and line-item charges for the debt listed against us. We have successfully made all payments for all known charges to us since receiving services at the hospital, so these surprise charges are very odd to us. The charges are from XXXX and XXXX and we have since visited the same hospital and updated their systems for them to approach me successfully about any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Robinson, Reagan and Young PLLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The collection agency is not licensed to collect debt here in the sate of Tennessee.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Negative account information that is over 7 years old was removed by the creditor which MUST reflect positively on my credit rating. Equifax continues to ARBITRARILY lower my credit score AFTER MULTIPLE POSITIVE actions on my part. CFPB MUST DO SOMETHING about credit reporting agencies that harm Americans ' ability to protect their credit!!! THIS IS BEYOND RIDICULOUS!!!!! Equifax VIOLATES the Fair Credit Reporting Act EVERY XXXX DAY!!!!! DO SOMETHING!!!!!!!!!!!

Company response to consumer: Closed with explanation