BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-14
Company: REGIONS FINANCIAL CORPORATION
State: AL
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:
On XX/XX/2022 I received text message from the XXXX XXXX XXXX that wanted a {$45.00} dollar donation. In my attempt to block this in the future, the application thanked me for my " donation '' to XXXX XXXX transaction posted on XX/XX/2022 for {$45.00} I filed an online request with Regions Bank located in XXXX Alabama , stating this was a fraudulent transaction as I did not authorize. 

Today I received a letter from Regions XXXX XXXX XXXX XXXX XXXX Claim ID : XXXX, stating they were not going to credit my account for this transaction.

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 2022-07-14
Company: Revenue Assistance Corporation dba Revenue Group
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid XX/XX/2022 in person at the hospital before a XXXX I have called and discussed this with XXXX Hospitals and they were supposed to take care of this asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, I made some money on the investment this year, want to find a savings bank deposit some money get some interest, so I opened the Marcus in XX/XX/2020 online savings accounts, for {$17000.00}, in XX/XX/2020 for home in a hurry, I just want to take out {$5000.00} for urgent need, but in the evening my saving account is locked, call customer service to ask the reason, customer service didn't say anything, just ask about personal information, to unlock my savings bank account, log in to the bank on the net, I found that I transferred out of {$5000.00}, has been cancelled! I am very angry, I am a little confused, their money did not take the initiative to control the right, the bank to lock my account does not need a reason, I transfer some funds, the bank can take the initiative to cancel my practice, I do not understand this is my money or this is the bank 's money! I called again to ask, I was very angry to ask what the reason is, give me a statement, why do this? The customer service said that we need to verify your external link bank, the bank documents are my name of the bank! I asked how to verify, and the customer service staff said that the monthly statement of the bank should be sent to them, and then they can review it before I can continue to use my savings account. I said helplessness, it takes too much time, can I use email or phone online verification? The bank customer service says, can't, can send my bank monthly statement to them only, after they finish checking next, think to have no problem, I just can use my account again! I was very depressed, thinking is this my money or this is the bank 's money! It's like begging. It's not a good feeling! I said I used my savings account to pay my credit card. Why didn't you tell me yesterday that my savings account was locked and could not be used? Because log in the bank on the net, did not show any abnormal, also did not have any mail or message to remind me to can not use, however my reimbursement was returned like this, still paid extra fee, these losses who is to bear after all? My family is in urgent need of the money. What should I do? Personally, I have never met such financial institutions, such irresponsible treatment of their customers! Who will ultimately bear the cost of this incident? Marcus bank won't give me the use of my own money, I really have no way, feel so helpless! Hope to get your company 's help! thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Other

Complaint:
I recently received a letter stating that I was almost XXXX months behind on payments. I had signed up for online banking with my bank and they were suppose to make the payment on the day I scheduled but that did not happen. I now have 2 late payments on my credit report. I pay all my bills this way so I not sure what the problem is with Capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: GA
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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX Mortgage XXXX issued me a predatory loan that requires me to make a balloon payment to keep my home. This balloon payment became required for me to make after several years of making a normal payment of {$1400.00}, then suddenly I am required to make this outrageous payment of at least {$81000.00} to keep my home. After a year of making payments on time, XXXX sold my mortgage to Select Portfolio Services who are operated by a group of investors who waited in hope that I will most likely not be able to make this balloon payment in order to keep my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Contemporary Information Corp
State: MD
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:
Since XX/XX/XXXX ; I've called and emailed Contemporary Information Corp. ( CIC ) in efforts of removing ( 2 ) erroneously reported evictions ( without success ) to XXXX from leasing company XXXX XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX. Both dates in question were judgments in which I paid my rent late ; however, supported by documentation to include : a letter dated XXXX XXXX, XXXX from the XXXX leasing manager of the apartment community where I was a current resident in good standing and further stating that I'd never been evicted with an attached general ledger from initial date of occupancy, XX/XX/XXXX through move out date of XX/XX/XXXX, address of my apartment rental, and proof of payment of both reported dates. Thus, further proving that I remained a resident well beyond the erroneously reported dates. Moreover, a judgment in Maryland with an accepted/cleared payment after a court filing w/out the landlord requesting the court issue a " warrant of restitution '' is not considered an eviction yet CIC refuses to accept my documentation and remove the false reports of eviction. As a result of their erroneous reporting ; I am suffering tremendously and have been denied multiple rental properties and am currently living in a hotel.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
The bank did a charge off of a business credit card when the business collapsed and removed any tracking of the debt from my account information ( e.g. web site ). Three years later, the bank reassumed the Charge-off. Without any notification from the bank, that they re-assumed the debt and now wanted to off-set the funds, the bank withdrew the funds from my primary checking account bringing the account to below the minimum amount required for that account. Upon inquiry, the bank claimed that they do n't notify because they do n't want there to be any chance that funds are removed from the account. During that same time, other non-charged off debts to the bank did continue to be paid on time. Other debts that had been charged off were not acted up due to an inability to pay more. The personal bank account had been maintained just above the minimum level required for the account. Because of the bank 's action, it created a situation where I am in violation of the banking agreement based upon the minimum to be maintained in the account thus having additional negative impacts. One such impact is a XXXX flag that the account is below minimum, so that XXXX denies acceptance of any check written. This was discovered upon writing a check to the dentist for which funds were verified available, but XXXX had flagged the account. 

BACKGROUND : in XXXX the company in which I was employed, restructured and laid me off. XXXX. We knew that investment was necessary and obtained a potential XXXX Investor and subsequent XXXX. To assist in obtaining the investment, we had up to XXXX employees working on the intellectual property. Ultimately, the XXXX Investor backed out, and left us in a space where the principals ( myself ) had utilized almost all resources to provide the jobs and create the business. Thus we collapsed the business in late XXXX and worked diligently to make payments on non-charged off debts as best as possible.

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 2022-03-21
Company: Experian Information Solutions 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 need your help. I have attempted over four times to resolve this matter with Experian via mail and phone. However, the reports are being updating the with the same wrong information. They are now willful and knowing destroying my reputation as a consumer and this needs to be fixed asap. 

DELETE ALL INACCURATTE INFORMATION 1. DELETE the following address XXXX XXXX XXXX, XXXX TX XXXX 2. DELETE the following address XXXX XXXX XXXX XXXX  XXXX Tx XXXX 3. DELETE the following address XXXX XXXX XXXX XXXX XXXX Tx XXXX 4. DELETE the phone numbers are unknown XXXX, XXXX, XXXX 5. DELETE XXXX XXXX XXXX  MEDCIAL INFORMATION is EXCLUDED PER 15 USC 1681 ( 3 ) 6. DELETE XXXX XXXX XXXX This account is closed and there is no balance. I CALLED AND REPORTED THIS TWICE TO YOU AND YOU HAVE FAILED TO FIX THIS. 
7. DELETE- XXXX XXXX XXXX  You DO NOT have permission to furnish this information. My right to privacy is being breached. 
8. DELETE- XXXX  XXXX This account is involved in litigation must be removed. 
9. DELETE- XXXX This account is closed and paid. 
10. DELETE- XXXX XXXX XXXX- This account is closed and paid 11. DELETE- XXXX XXXX you have failed to investigate this, nor did you remove during the dispute process. I do not owe this alleged debt. 
12. DELETE- XXXX XXXX XXXX- False and misleading I do not owe this debt and your comments are false and misleading.

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 2017-05-27
Company: NEW YORK COMMUNITY BANK
State: OH
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:
Dear CFPB : When I went to check my Credit Report and FICO Score I noticed that I had over 13 late payments for my mortgage. I have an automatic payment plan with my bank that pays this mortgage payment on time every month for the past 10 or so years.
<P/>
I sent a RESPA Letter to New York Community Bank and when I received their response it was incomplete but showed that when then took over   XXXX   XXXX   XXXX   Account 's ... New York Community Bank was receiving payments but NOT posting them timely to my mortgage account. In addition, New York Community Bank withdrew every penny I had in escrow to cover fees that they said I occurred for the 'late payments '.
<P/>
I asked them to correct this information over a year ago and refund the escrow monies. I have not heard a word.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: Continental Finance Company, LLC
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have tried numerous times to resolve an issue with my account owned by  Continental Finance  in regards to there subprime  XXXX  credit card. I closed the account in  XXXX  of   XXXX   after my finances too a hit and I was no longer able to pay for the credit card bill. At the time I informed the representative I was unable to make the payment at the time and asked would that be the balance owed on the card that I could pay at a later date. I was informed YES.  W  ell Continental Finance co ntinued to charge me interest, late fees, added an overlimit fee and then charged the card off.     Now we come to me sending a money order to pay the account off. I was informed the money order was never cashed, please reference CFPB case #  XXXX . I then talked to a representative that advised me to do a payment plan which I never agreed to. I never received anything in the mail in reference to the payment plan either. Subsequently, I call  XXXX  again to get an update. I still got the run around.     So, I call the company back again. The account had a {$0.00} balance which at that time nothing could be worked out because of that. The issue was corrected an now I 'm back to square one. They are constantly reporting a charge off each month since  XXXX  damaging my  credit score , they have charged me an excess of fees that I should have never been charged for. I also paid {$50.00} to get the card as a deposit which was n't applied to the balance when I closed the card, in addition the credit card insurance that i paid for every month was never put into affect after my loss of income. They will not validate the debt with statements and I can never get anybody to call me back to work out some type of agreement. Please help, I do n't know what else to do.

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 2022-03-21
Company: Experian Information Solutions Inc.
State: IL
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 XXXXXXXX XXXX XXXX XXXX has violated my rights. I have sent in documentation of proof several times to the bureaus. 
Experian and XXXX are in violation of the law and my rights. The bureaus are reporting inaccurate information. The bureaus response has been verified and accurate. This deceptive information is affecting my life. I continue to get denied for credit from certain financial institutions and credit companies. 

15 USC 1681 Section 602 A Accuracy and fairness of credit reporting which states I have the right to privacy.

15 USC 1681 Section 604 A ( 2 ) states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681e ( b ) Compliance and procedures Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2017-02-09
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My sons loans are coming due with Navient starting XX/XX/XXXX. His payments are going up dramatically and they give no warning about the amount. I 've called several times and complained about it but they wo n't do anything about it. So come next month without any warning his payment is going up to about {$500.00} a month which he ca n't afford. I think it is wrong to not give you ample time to plan for this. XXXX sent us a letter 6 to 8 months ago telling us what the payment would be. Navient does not want to help you in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been disputing XXXX XXXX XXXX my credit report and it keeps coming back as verified. I have not received anything in the mail asking me to verify anything. The account is not mine. I'm only XXXX and it looks like it could've been opened when I was XXXX according to the open date. Either way the account does not belong to me. I've never had a credit card in my life. How can they just give credit to someone without verifying that it is the correct person. I need this deleted immediately, it is affecting my credit in a tremendous way. It needs to be deleted from all XXXX credit bureau. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just got my credit report from my mortgage lender and noticed a few errors reporting to my credit file

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 2015-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Back around XXXX, Bank of America ( BOA ) offered " Free For Life Business Checking Accounts '', which I signed up for XXXX for XXXX XXXX XXXX. I have to call BOA every year to get my bank service charge waived for another year. This year when I got charged {$14.00} XX/XX/XXXX, I called BOA as I always do, to get a credit for the {$14.00}. I received a voice message from my local BOA rep that they have waived the {$14.00} for this month only and I will not be able to get this fee waived any longer. What happened to " Free for Life ''??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-21
Company: EQUIFAX, INC.
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card
Issue: Rewards

Complaint:
Bank of America notified me they were closing down my credit and checking accounts due to a " business decision. '' No other reason was given.They closed the accounts down with available reward points remaining. I currently have XXXX points ( equivalent of {$220.00} ) that is still currently listed as available. I was advised that the points are available but I can not redeem them because the account is closed. BOA essentially stole my reward points, still lists them as " available '' but not able to redeem because account is not open.

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 2022-03-21
Company: Experian Information Solutions Inc.
State: AZ
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 would like all these incorrect inquires off my credit report because I did not authorize those. my information was compromised during a car break in they got a hold of all my information ID social and birth certifcate. recently tried to open up a credit cards in my name and I want those off my report.

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 2022-03-21
Company: EQUIFAX, INC.
State: AZ
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 would like all these incorrect inquires off my credit report because I did not authorize those. my information was compromised during a car break in they got a hold of all my information ID social and birth certifcate. recently tried to open up a credit cards in my name and I want those off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase has placed a hold on a paycheck that I deposited through their mobile app for 14 days. They notified me via e-mail hours after check was deposited then accepted, that I wont have access to the check till 14 days hold is over. I can see the amount under transactions on hold in the mobile app. 

This is unacceptable as I need the funds ASAP, I usually get them through a direct deposit with my credit union. But I got a physical check this time and tried depositing it with Chase for the first time and got into this mess I have contacted Chase a couple of times and walked into a branch, but the emergency nature of needing the funds and not being able to wait for 14 days has this as my only option Date XXXX Amount {$2100.00}

Company response to consumer: Closed with explanation