BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
We went to a Bank of America branch on XX/XX/2022 to open a {$2000.00} cd with cash on hand to be mature in XX/XX/2022 as fixed term, we gave him the cash to the teller and they created the CD, I have a screenshot from my banking mobile app that proof the CD was created few days later the CD disappeared from my mobile app, we contacted the bank over 10 times now and they failed to explain what happen, they said the cd got cancelled because missing funds, we went to the branch a gave them money, how is that the CD is not supported with the money, then they said XXXX got close and was sent to my checking acct, no true I dont see a transaction showing amount coming from Closed CD acct, this was supposed to be a fixed term CD to mature in almost XXXX why a few days after it got open they closed it without telling Us with no authorization from Us and/or more importantly without a valid CD transaction #, please help Us we have reached managements, XXXX XXXX, Corporate Customer Service and every time we speak with them they give us different, inaccurate and untruthful Information

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 2022-09-22
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Citi claimed they have sent a letter containing my account number on XX/XX/XXXX. It is now XX/XX/XXXX and I still have not received any letter and I still don't know my account number that I opened more than a month ago.

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 2022-08-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On Friday, XX/XX/XXXX, I went in to a branch of Citizens Bank to start a checking and savings account. After setting up my accounts, the banker I was working with tried to get me to sign up for one of their credit cards, saying that I was pre-approved ( not pre-qualified ). I declined, citing the fact that I had just gotten one with another bank a few weeks ago, so even though there was an attractive promo going on, I didn't want to take another hit to my credit score at the moment. He immediately responded something along the lines of " Oh, well we don't check your credit actually. That's one of the cool things about our bank. '' and led me to believe that the credit concern I had wouldn't be an issue. I had thought that credit cards will always check a person 's credit, but figured maybe that's just what normally happens and isn't always a guarantee, possibly because I was already pre-approved. Regardless, I knew that bankers aren't allowed to mislead their customers, so since I had voiced my credit concerns and he had implied that I wouldn't need to worry, I figured I might as well get the card. Several hours later, I got a notification on my phone that my score had dipped XXXX points. I can't see from my credit-checking app ( I use XXXXXXXX XXXX XXXX what the specific reason for that point loss is, but I think it's pretty safe to say that the two are connected. I'm not sure if the banker flat out lied and a check was performed after all, or if he " technically '' didn't lie and there was no check but I lost points through some other measure. Regardless I still feel like I was taken advantage of, because while I try to educate myself on the credit system as best I can, he's the financial professional and I'm not, so it's upsetting for me to say I don't want their credit card because I don't want to lose points, and for him to respond in the deceptive way he did to try and get me to sign up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
Transunion, XXXX and XXXX are showing incorrect and inconsistent information. The false and inconsistency is in regards to the reporting of late payments. 

One agency will say it was late on XX/XX/XXXX but say it was paid on time on another agency. Vise versa with XX/XX/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 2022-08-02
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had a XXXX XXXX card ( ending in XXXX ) which I closed after paying it off in full in early XXXX. I stopped using the card since mid XXXX  after being charged for unauthorized purchases on the card. Comenity Bank which issued the credit card cleared me of the fraud charges in XXXX XXXX. 
Soon after I destroyed my card ending in XXXX, I was being billed for charges on a new credit card ending in XXXX. I never opened a new account nor did I ever used a XXXX XXXX  card ending in XXXX.. Comenity Bank has continued to bill me for charges on this card which I never used or opened an account on. I have sent letters and made phone call to inform Comenity Bank noting that I am not responsible for the the fraudulent issued credit card, but they continue to send me a bill ' monthly ' and have refused to correct their mistake .I have told them that their continued pursuit of uncalled for payment is solely a matter for them to correct and not an obligation on my part. The monthly billing has continued to this day, XXXX XXXX, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-25
Company: EQUIFAX, INC.
State: GA
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:
Hello, this is a 2 part problem that includes XXXX, XXXX, XXXX, and XXXX. These schools took out loan amounts that were more than the cost of school. 

XXXX keeps pushing Forbearance on me and with calls. What I am for is a income driven pay back plan but I get no help. Now the loan amounts are more than what I can handle. This has hurt my credit DTI and score as a result of both issues. 

Please help! 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent a letter to XXXX XXXX and the 3 Credit Bureaus ( XXXX, XXXX  and Experian ) on XX/XX/2021, XX/XX/2021 and again on XX/XX/2021 to verify information questioning the bankruptcies listed on my credit report and wanting to find out how the accounts were verified. When I wrote to my Courthouse, they responded with a letter and stated that they do not report to the bureaus. I have attached the letter to this complaint. I am asking that both bankruptcies be removed from ALL 3 of my credit reports and XXXX XXXX. This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the item ( s ).

Please provide the following items : identify it

em ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc. 1. The name of court representative you spoke with 2. The court address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute I am anticipating a time response to my request. If you are unable to respond in a timely manner and provide the above items, please Delete the account ( s ) from my credit report
to prevent further damage.

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 2022-09-30
Company: REGIONS FINANCIAL CORPORATION
State: WY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been charged over {$500.00} in overdraft fees and regions bank has been ordered to resolve this, I wasnt sure how to file for it but Ive been with regions bank for years and something will take out of my account without my knowledge ( XXXX, XXXX, XXXX, ect. ) and it will charge me a {$70.00} overdraft fee and it just keeps going up if I dont have the money to pay it, so I would really like someone to reach out to me and help me with this situation.

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 2022-10-24
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Hello, I have attempted to settle matters with CHRYSLER CAPITAL XXXX telephone calls and certified mail, after my property has been unlawfully stolen and resold. CHRYSLER CAPITAL is a debt collector and they have billed myself, the consumer in error pursuant to 18 USC 8 and 15 USC 1666. They have not perused legal matters to take ownership of my vehicle. I have called and asked to speak with the CFO, and or THE attorney representing CHRYSLER CAPITAL, but i was told that my findings were incorrect and inaccurate. CHRYSLER CAPITAL has forged my signature on multiple documents in the process of obtaining payment for my vehicle. I did not give them consent nor agree in a formal written request for them to take my car and resell/auction it. I hold Sole title and owner Position to my stolen vehicle. I also asked CHRYSLER CAPITAL to forward me an original contract including my signature and their signature executed and they have yet to provide that forgoing evidence. I have no original promissory note with CHRYSLER CAPITAL. I have also ceased and desisted all verbal communication with CHRYSLER CAPITAL via certified postal mail. If i fail to receive remedy, legal actions will be perused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Its been brought to my attention that my contract is in violation of federal, U.S. Code 1605 - Determination of finance charge As well as illegally asking for a Down Payment in order to finance my XXXX XXXX XXXX which was purchased at XXXX XXXX XXXX XXXX XXXX. 

List of other violations that may have been included Code S1635- right to rescission 15 U.S.Code XXXX XXXX-right to rescind after 3 vears iffescind paper work was never furnished Is U.s. code S 16356 - right to reseind and keep the property 15 U.S.Code {$1600.00} - Tinance charge defined 15 U.S. Code 1662 ( b ) - mixing cash with consumer credit transaction 10

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 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
CFPB { Transunion } first the vehicle was taken with out a court order Stolen by creditor That in its self was against the law the law state that repo must have a court order or its a violation of the law As for your credit reporting verified you are the only one reporting XXXX Bank, { XXXX and XXXX has removed the account from my credit report }, proof of all ownerships of that tells me you did not do an investigation.so I request that you Transunion a copy of your investigation, who you got information from. I want a copy of said payment that is stated on your credit report with my signature on it Any and all documents from XXXX Bank to Transunion and collection company CONTRACTS proof of all contracts that show ownership of this account { not Letters Contracts } {! } { original contracts } from all parties to this account with my signature { 2 } Creditors name and address { original Company } { 3 } Payment history Complete Showing last payment with my information on payment { 4 } Proof of ownership { All } parties to this account that means { contracts } not letters involved on this account. Transunion you should have all this information on hand especially after you state you verified the account The LAW STATES! % U.S.C. 1681 { a } i a and 15 U.S.C.1681 { c } { 1 } { a } { b } { i } { 3 } NOTE ANY I dispute MUST come off my credit report REGUARDLESS the reason it must come off CFPB its the LAW read it Transunion its a {$1000.00} dollar fine for each violation, .I expect a reply in 30 days By LAW

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 2022-08-24
Company: CIG FINANCIAL LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : CIG FINCL XXXXXXXX Date Opened : XX/XX/2014 Balance : {$0.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: SILVERGATE CAPITAL CORPORATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Initiated an XXXX XXXX withdrawal on XXXX ( {$25000.00} ), XXXX ( {$25000.00} ) and XX/XX/10 ( {$10000.00} ) from XXXX which uses Silvergate bank as the XXXX for omnibus cash in USD. The XXXX withdrawals were all debited from my account on XXXX and processed with silvergate within seconds. Nothing has shown up in my bank account. Was told that XXXX transfers take anywhere between XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: ENCORE CAPITAL GROUP 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:
I sent an Affidavit of Truth and an Invoice to Midland Credit Management, here is the tracking # XXXX, XXXX XXXX XXXX tracking number # XXXX and XXXX XXXX XXXX , LLC They have not paid out the invoices and had the negative items deleted from my credit report. These companies have violated 15 USC 1692. ( C ) ( A ). 15 USC 1692K, 15 USC 1692. ( B ) ( 2 )., 15 USC 1692. ( B ) ( 5 )., 15 USC 1692 ( D ) ( 2 )., 15 USC 1692 G ( A ), 15 USC 1692 ( B ) ( 4 ), 15 USC 1692 C ( 1 ), 15 USC 1692 ( E ) ( 1 ), 15 USC 1692 ( F ) ( 8 ) ( 8 ) 15 USC 1692 ( D ) ( 5 ). Based on these laws I can collect these damgages15 USC 1692K. Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of, any actual damage sustained by such person as a result of such failure : in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/29 I tried to login to my XXXX checking & savings account this morning and found it " locked due to suspicious activity ''. Initial call, a call center person tried to find out the reason why it was locked and one was not noted. They tried to find " the person that made the note or their supervisor '' but couldn't. They told me to give them an hour to call me back once they could locate this person. 

Fast forward 8 hours or so, I called back in and was told that my checking and savings accounts had been closed and " the relationship had been severed '' meaning I could not open up accounts with them again and they were very adamant about " we don't have to disclose why ''. I asked several times why, asked for a supervisor who was VERY combative and told me she could tell me why it was locked in the first place, since it was for " security reasons ''. Lo and behold, she found the same original note on the account that said it was locked, but didn't have a reason, but they don't have to provide one. 

From what I've seen, banks only close accounts for inactivity or big reasons, and none of those reasons good. My banking activity would not trigger any of those and I monitor my credit records and banking activity closely... so whatever information triggered this is likely false. 

My concern is this false activity getting reported to XXXX and preventing me from opening any other accounts, effectively banning me from banking. 

I'm asking for a review of this and information on why it was closed so that I can resolve it if/when it proves false.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: CL Holdings LLC
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Jefferson Capital Systems LLC owned a account from XXXX XXXX in the amount of {$1600.00}. This account is 8 years old. I disputed this account not once but twice the last time being in mid XXXX of XXXX, I went to call them & they said they could not talk to me as this account was being serviced by XXXX XXXX  on behalf of Jefferson Capital Systems. XXXX still owned the account though. I asked for the verified info from XXXX they said they would send it & they also told me I could settle for {$1000.00}. Today on XX/XX/2022 I called XXXX & they informed me that the account had been sent back to them but they owned the account the entire time & that XXXX could only process payments & not send out verified information. The payment option that XXXX gave me was different than the XXXX option that I got back in XXXX. So in one week I was told to call a different ( XXXX ) company, got a payment option from that company, sent back to the original company ( XXXX ), asked for the original contract with XXXX with my signature on it & all the documents XXXX had with my name on it. After going back & forth & being transferred 4 times I got a supervisor on the phone. His name was XXXX with Jefferson Capital Systems ID # XXXX. He informed me the account would be removed in full. I have a witness to this phone conversation & was on a recorded line.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: EQUIFAX, INC.
State: TX
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 Act : XXXX XXXX Account # XXXX XXXX - Account # XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX Collections - Account # XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX and Account # XXXX XXXX XXXX Co - Account XXXX XXXX XXXX XXXX Associates - 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 an account without my written instructions

Company response to consumer: Closed with explanation