BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-23
Company: SYNCHRONY FINANCIAL
State: IN
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 customer service

Complaint:
I asked the company to help me on XXXX with a hardship plan. They did said the card would close temporarily and no interest would be charged. 

They closed the account permanently and will not open it back up they also charged all the interest on the account please help. 

I contacted the credit companies twice with chat conversation from me and the credit card company. 

Still the same outcome.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-06
Company: Servatus Corporation
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
With no notification, as is required by the FCRA and FDCPA, and 2 years after being filed as a charge off ( in full, without " sold to another lender '' status ), I had a collector contact me, AFTER reporting me to all XXXX credit beureaus. When I told them the request was illegal, that they had no proof of standing, and that I wanted the matter dismissed, I was threatened with a lawsuit. The company in question is Credit Solutions Corp. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, 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 2016-10-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have taken out a loan with Citizens One through XXXX financing a new XXXX. They sent me my loan number to setup my account online and when I try to do this and enter a username and password the website does not respond and I can not access anything at all. This has been over a week and I have called twice and they said they are submitting a work order. I am unable to access any information, dont know when my next due date is or how much I am being billed or if I will receive any correspondence about my upcoming payments. Pretty much left in the dark.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: U.S. BANCORP
State: NE
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2021 US Bank Cardmember Service XXXX XXXX XXXX, XXXX, ND XXXX To whom it may concern, On XX/XX/2021, at approximately XXXX XXXX, I received several calls from US Bank fraud center alerting me that a fraudulent charge may have occurred on my credit card account, Upon reviewing the charge via the bank website, I confirmed that in fact an unauthorized charge occurred to XXXX for the amount of {$510.00}. I immediately returned the phone call to US Bank fraud center to report this fact. I spoke with a representative, who immediately cancelled the credit card number, issued a new credit card and disputed the charge. I was told that the charge would be reversed. 

On XX/XX/2021 I noticed that the charge was still on my credit card via the US Bank website. I contacted the US Bank fraud center by phone and was again told that the charge would be reversed. 

On XX/XX/XXXX, I received a letter by mail that stated that the fraudulent charge I received had never occurred and therefore the fraud claim was being dismissed with no action taken. I called the fraud center and spoke with a representative who told me that someone had made a mistake and that she could clearly see this was a fraudulent charge. She escalated the issue and told me I would be called by a manager within 48 hours. No one called. 

On XX/XX/2021 I called the Fraud Center again, to get an update, they told me that a manager had to call me. I told them no one called me and I wanted the issue resolved. They told me that there was nothing they could do. 

This is your notice that there is a mistake on my account, that the charge in question was not authorized by myself and that it is fraudulent. I am also notifying you that I am filing a complaint against US Bank to the Consumer Financial Protection Bureau about the issue stated in this letter since you have failed to act appropriately in resolving this matter. 

This letter will be emailed to you and sent through certified mail. 

Sincerely,

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 2021-12-23
Company: TRUIST FINANCIAL CORPORATION
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:
When an item shows up as a duplicate an your credit report, it should easily be removed with a dispute letter to the credit reporting agency. Unfortunately, this is not the case with the incompetent employees working for XXXX. who rely heavily on their XXXX and XXXX XXXX systems to do their jobs. 
Randomly, checking my credit report around mid XXXX, I came across the same furnisher on my XXXX credit file with two completely different account numbers. 
REGIONAL ACCEPTANCE XXXX # XXXX with balance XXXX and second XXXX # XXXX with the same balance XXXX. I disputed and asked of the item to be removed. XXXX found it as verified. 
To my knowledge, I have one account with this lender. And have no idea where the second account came from. I am requesting legal action to have this incorrect information removed from my credit file immediately. Or I will be forced to take legal action.

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 2016-08-23
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
To Whom it concerns, I have followed all channels to return a product that was not what I ordered and feel as a consumer there should be a layer of protection when using a credit card. 
Here is the process : 1. I called XXXX XXXX XXXX to verify the return location prior to shipping the boxes 2. I labeled the packages according to the XXXX response on the phone-which happened to be the same return address on their shipping label when I received my order. 
3. I returned the items as they were not correct and a paired used - I was not selling any bullion back to them. 
4. They received the boxes with a signature confirmation from XXXX employee Manager XXXX XXXX 5. There is also XXXX tracking report that states all boxes moved normally threw the XXXX system with out any issues. 
6. There was also a XXXX investigation that XXXX XXXX has on file. 
I was simply returning a product that was not what I ordered in the first place. As a consumer, I used all the return tools that are available XXXX tracking and XXXX signature confirmation. XXXX received all XXXX boxes in good order stated by XXXX investigation ( sent report to XXXX on file ). In speaking to XXXX, I was informed that when packages go threw their hubs, they are reweighed several times. We are talking about XXXX boxes each weighing XXXX pounds. There was no damage and all boxes had correct weights which was recorded by transfer station employees and the driver. I have tried to contact XXXX at XXXX several times via email and phone asking for updates and any current reports and I have not heard back. The signature confirmation is proof that they received the items and the XXXX investigation is additional proof that it was delivered in good order. Its nonsense that XXXX is stating all XXXX boxes were empty after receiving them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
The company TRANSWORLD SYSTEMS INC. reported me to the credit bureau after I had set up payment arrangements on an account for medical debt .I was not informed that I could still be reported to the credit bureau after I had contacted them and set up arrangements to satisfy my medical debt. I made arrangements XX/XX/2016 for auto-pay to ensure they got their money. They reported me to the credit bureau XX/XX/2016. 
Nowhere on the statement does it disclose that I will be reported to a credit bureau. I was not told over the phone that I would still be reported 4 months after I had set up ongoing arrangements for ongoing satisfaction of payment of the debt. 
Unfortunately for me I was diagnosed with XXXX and this is what has happened, I feel as if I was taken advantage of and not presented with full disclosure. My credit has been perfect until my medical condition in which I had to quit my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have paid this debt in.full and went to.the court and filed psper work and paid to.have it removed from the courts and my credit reports but still showing as open in the XXXX county courts and all the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021 a stranger posing as a needy person wanted to make a call from my cellphone. I gave him the phone to make a call after he made the call I saw an email notification from my XXXX that XXXX $ was sent to some unknown person using my XXXX in Bank of America account. I have asked the bank created the claim for the same. After 10 days bank denied the claim. Asked me for more evidence and then I have provided call logs and police reports. After a few days, they denied the claim. I have asked them to provide the document they used to conclude that. but I have not got any emails for the same. I have asked them again for reconsideration for the same claim

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 2016-08-12
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My loan servicer is FedLoan Servicing. Their website contains numerous information about managing repayment. XXXX of the options concerns changing the due date of your loan. The site implies this option is available to all loans ( XXXX ). Lately, my rent check and my student loan payment have been taken out of the same paycheck. Due to this, I have received several overdraft fees from banks. I requested that my due date be changed on XXXX via e-mail as instructed on the site. I never received a response. Today, I called my servicer. The representative indicated that I could not change my due date in the middle of the year. Rather, I can only change the due date once the billing year has elapsed. I believe the information on their website is deceptive that anyone can change their due date upon request. 

I want to pay my student loans, however I just need the due date pushed back 6 days so I can avoid other costly bank fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: EQUIFAX, INC.
State: MD
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:
I reviewed a copy of my credit report and I noticed unauthorized credit inquiries which violates the FCRA of the information in my credit report being 100 % accurate and verifiable. 
I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull my credit report. 
Please send the names, business address and phone numbers of those who made unauthorized credit inquiries that you spoke directly to during your investigation. Please include the name of the person who pulled my file, the date I gave permission, and the method that I gave permission ( all documents of this said permission ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Has been an ongoing problem for over a year with them we file for XXXX relief and then were expected to pay it all back in XXXX lump sum which we did not have obviously. they said that it was being worked out and we should hear for them very soon that was back in XXXX the bottom line is we just want to refinance our house with a different company and pay them off and be done with them but whats holding us up is there reporting that were delinquent on our payments to this nightmare of an ordeal if they can remove that we can pay them off they would be done with us and we could start off on a new loan and get on with our lives

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
I recently went to draw XXXX dollars out of my account and the atm only gave me XXXX dollars but XXXX was still taken off my card along with the XXXX charge for using the atm. I followed all the steps I needed to I sent them a copy of the receipt showing the proof only to get an email back saying they are n't giving me back my XXXX they never gave me but took that they do n't see anything wrong. This is the 2nd time I also had a XXXX taken from me from a hotel I have NEVER even stayed at. I support XXXX people so I ca n't afford to have someone take over XXXX dollars from me in a month. Can you please help me they been giving me the run around for over a month now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have recently received a notice from HSBC Bank USA , NA, dated XXXX XXXX, 2016 that the servicing of my mortgage is transferred effective XXXX XXXX, 2016 to another mortgage services company ( XXXX ). The notice further states that no payments will be accepted after XXXX XXXX, 2016. My mortgage payment is currently auto deducted from my account with HSBC Bank USA , NA and this has been stopped. 

However, I also received a monthly mortgage statement from HSBC Bank USA indicating that my mortgage payment is due effective XXXX XXXX, 2016 and that the payment should be mailed to HSBC at a XXXX XXXX XXXX XXXX. 

My concerns are : 1 - The fact that HSBC has given only 15 days notice of the transfer of servicing, which is not sufficient time for consumers to be aware and make alternate payment arrangements. 
2 - The fact that they have discontinued my automatic deduction ( which ordinarily is deducted around the XXXX of the month ) with less than 60 days notice for me to make alternate arrangements. 
3 - The fact that HSBC has continued to bill me for a mortgage payment, which they have notified me that they have transferred, which they should no longer be able to do. 

Simply stated if the bank is unable to make the necessary arrangements in 15 days and continues to bill consumers, then why are consumers expected to make alternate arrangements in the same period of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
this collection has been removed by XXXX and XXXX. Not sure why XXXX is reporting. This account was not opened with my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent a debt verification letter saying that I disputed the debt. NO verification was sent at all. The debt collection attorneys proceeded to sue me anyway -- - without giving me any debt verification or notice according to federal laws. 
Also, I have attempted multiple times to verify the debt in the past five years XXXX with my son 's help ) and NO verification or validation has ever been sent through the mail. 
I only wanted to clarify the information because they have my last name consistently spelled wrong. I heard nothing. 
Now the debt is almost time barred and they are suing without providing verification. I am XXXX years old XXXX and I can not read or write. Thankfully my son was able to send the validation letters and write this on my behalf. Someone please help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I tried to withdraw my funds and close my passbook savings account that I had originally opened with XXXX XXXX  and the bank said my account is no longer there. My account was with XXXX XXXX, who sold to United Bank, who merged with People 's Bank, currently called United People 's Bank and is about to be bought out or merge with XXXX XXXX XXXX XXXX. People 's United bank said I could contact the state of CT for unclaimed funds to see if the money was there. I called the state and they said the money was not there and never was there and to go back to my bank for it. When I contacted my bank again and spoke to a different person, they said the account was most likely consumed by dormant fees and that is why no one can find it. There was {$1500.00} in 2008. This was my " emergency '' savings account money and I never received any letters from the bank about my account going " dormant ''. I have lived at my same address for XXXX XXXX years and I am XXXX XXXX XXXX. I don't think banks should take advantage of seniors and take their money this way. I expected my savings account to be a sacred trust with the bank and to not have that money there when I want to take it, is a violation of this trust. My wife is assisting me with this complaint since I do not know how to use a computer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
American express calls cell and home phones daily and repeatedly. I have told them multiple times about the hardships we have experienced over the last 2 years. We have been behind for about 6 months. I pay something every month and have arranged automatic payments monthly. The representative said I must pay something every time they call or they will not be able to say anything good about me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My direct deposit was paid early by my employer due to the holiday. Capital One 360 checking advertised 2 day early release of direct deposits. The amount of the direct deposit is {$12000.00}. 

XX/XX/21 - XXXX pm- No direct deposit received XX/XX/21 - XXXX am - XXXX am - XXXX am - No direct deposit XXXX am - Spoke with rep whop told me that my deposit should post to my account a few hours. 

XXXX - no direct deposit - Called Capital One again - rep tells me there must be an issue with my employer. My office is right next to my company 's XXXX. All deposit transferred without issue. ( my direct deposit is the same account & routing # used on previous direct deposit ) XXXX pm called again - asked rep if there were any type of holds, like garnishments or 3rd party holds rep says no.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: EQUIFAX, INC.
State: SC
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 credit reporting agency has not and continues to not physically validate or verify inaccurate items on my report that I have disputed. It is to my belief that an agent is using the E-Oscar system to scan my disputes through and simply validate or verify as accurate instead of doing an investigation and getting contracted documents for support. I have yet to have an original signed contract, or any physical signed documents for that matter, sent to me showing how theyve verified it as accurate. In my disputes Ive requested such documentation, and have I seen any? No. Please help, thank you so much!

Company response to consumer: Closed with explanation