BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Dear Consumer Financial Protection Bureau : I am here to file a fraudulent charge, and poor customer service claim from both " XXXX '' and Bank of America ( BOA ). On XX/XX/XXXX, I had a fraudulent charge on my bank account from XXXX in XXXX XXXX, IL. I called Bank of America that day, reporting the issue, and informed them that my debit card was compromised. In the end, a claim was put through, and it was found that the charge was fraudulent, and that I would receive credit back into my account. I officially received the credit on XX/XX/XXXX. As of XX/XX/XXXX, I received a notice in the mail from " XXXX XXXX '', saying that they disagree with the transaction, and are charging me with the same amount of the fraudulent charge. On XX/XX/XXXX. the charge will be transferred to a collection agency. 

On, XX/XX/XXXX, I called XXXX explaining the issue, and they did not listen. So, I went to Bank of America to solve the issue again. The first representative completely understood my problem, and recommended that we do a three-way call with " XXXX XXXX '' to get things in order. Once again, even with the Bank of America customer service representative explaining that XXXX is in the wrong, XXXX still refused to drop the charge. According to XXXX, they said that a grocery deliver was confirmed on the date of the charge, and that I owe them. The Bank of America representative was not happy, and decided to transfer the XXXX representative and I to the claims department of BOA. 

Once I explained my part, and the representative from XXXX explained their side, the claims department from BOA, even with the obvious evidence that XXXX is in the wrong, AGREED with XXXX, and said that I owe XXXX their money. 

To this date, XX/XX/XXXX, XXXX has sent me fraudulent evidence over an e-mail, listing the charges and the grocery bill. Yet, under the policy that XXXX has established, there needs to be evidence, when the delivery is made, that a signature from the consumer is provided to confirm the delivery. In the paperwork they sent me, my signature is NOT on the evidence. Needless to say, this is wrong, and this is financial abuse. Please let me know as soon as possible if anyone can help me. This is a very unusual situation, and like most consumers I ca n't afford to have a disruption in my finances. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Convergent Resources, Inc.
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 a fraudulent account. I do not have an account with Convergent Outsourcing. They have no authority to collect on this account. This matter has been taken care of with the original creditor. There is no contract open or account assigned to Convergent Outsourcing. This account is reporting fraudulently and needs to be removed from my credit file immediately. Sprint was paid directly and agreed on a recorded line to recall the debt and accept payment directly. Sprint informed me that paying Sprint directly for the full balance would terminate Convergent Outsourcings collection authority and this account would be removed from my credit file. I have submitted previous disputes stating this along with proof of payment directly to Sprint. Ive also sent a direct dispute to Sprint which they have not followed up on. This account needs to be removed immediately.

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 2022-11-14
Company: Navient Solutions, LLC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was alerted in XXXX or XXXX that a XXXX XXXX  loan was taken out by an individual XXXX XXXX. XXXX used my information without my consent, and listed me as a co-signer for the private loan. As a XXXX XXXX XXXX, we were told that re-payment of the loan will occur after graduation. I was notified of paying for a loan which was improper and I was then informed that I was the secondary holder for the loan. During this time, Sallie Mae was the lender. I made the proper steps by filing a report and sending the information to the lender. 
On XX/XX/XXXX, I was notified that the loan payments were late. I spoke with the representative who opened another investigation. On XX/XX/XXXX, my XXXX XXXX decreased by XXXX points. I was under the impression that Navient will file a report or investigation, however, it was reported to all XXXX credit bureaus which drastically affected my credit. 
I have filed a complaint with the FTC, previously placed identity fraud of my social to avoid theft in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My online account shows a positive balance of {$170.00} and yet on XXXX they hit me with XXXX overdraft charges of {$170.00}. which put the account negative and then they hit me with another {$100.00} overdraft fees on XXXX and XXXX. XXXX of the charges were for less than {$10.00} and yet they told me any overdraft under {$10.00} would not have such a overdraft fee. They also re sequenced the charges so as to maximize fee. The same game that they were had class action suits for. The account is {$160.00} negative only because of there {$280.00} overdraft charges over XXXX days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Complete Credit Solutions, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Complete Credit Solutions is charging me {$2000.00} from a place called purchasing power I never did visit with them. I dont anything about them, never do business with the people whatsoever ever.

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 2017-01-02
Company: KEYCORP
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received a certified letter from Key Bank XX/XX/2016 informing me that my account would be closed. I called the number provided, XXXX, and was told that my account indeed would be closed and they chose not to tell me the reason why. For over thirty years I have used this bank through its different iterations, from XXXX Bank, through First Niagara, and most recently Key Bank without any problems. A similar event ( the threat to close the account ) occurred in the change from First Niagara to Key, however seemingly it was resolved by my branch bank which is now closed. I do n't know why Key Bank would not want my account since I have not changed my banking habits for over thirty years. The implication is that I have abrogated the rules of banking. If I have done something illegal, I should at least be told and given the chance to defend myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2016-02-17
Company: TCF NATIONAL BANK
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
have an ongoing case ( XXXX ). I am a victim of a fraudulent car loan. The vehicle I purchased throu h have Gateway One Finance is a Lemon vehicle and is not sellable. The partial response received from Gateway One through CFPB was the first written response to my situation with the lender. I was told as I stated in my previous complant filing by XXXX at Gateway One that they do not send written notification of a fraud investigation and their findings to their customer. In Gateway One 's response, they sated that they have been reporting to the credit bureau that my account in a dispute status. This is absolutely not true. This instuition is now damaging my credit report by reporting late payments. The statement that the representative wrote in response to my CFPB complaint is about reporting dispute status is just another deceptive practice used by this institution and is steadily causing damage in my financial and credit situation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
It is a credit card through my bank. THey lost several deposits which took over a month to research and post. in the mean time they are increasing late and over the limit fees as a result. 
MY complaint is that I have spoken to them and they call me daily sometimes twice. 

THis seems like abuse.

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 2017-01-26
Company: Nelnet, Inc.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My loans were transferred from XXXX to Nelnet some years back. During the time of transfer, I had automated payment scheduled for XXXX XXXX and used to make payments to XXXX XXXX through auto pay. My interest rate was fixed at 1.25 %. Upon three months of the transfer, Nelnet stopped drawing the funds through auto pay, and claimed I missed two payments. Since I missed those two payments, they doubled my interest rates to 2.5 % along with adding late fees. When I called and complained they stated I needed to fill out a form and authorize Nelnet to draw funds from my account. I was completely unaware of all of this. My complaints on this issue were not considered and my interest rates have remained doubled then what they should be. I did n't know where to go to complain until I heard about the BCFB lawsuit against XXXX. Please help resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Glad debt collection has turned in negative remake on my credit report. The debt they are attempting to collect was voluntarily direct deducted from my payroll check by the company that charged me. have not contacted me in writing about the debts. They have not provided me any proof that I am responsible for said debts. They have not provided me any documentation tat I agreed to pay the original debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: SUNCOAST CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Another customers check was mistakenly taking from my account in the amount of {$330.00}. and the bank wants me to wait 5 -10 business days for them to put the money back into my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-29
Company: ALLY FINANCIAL INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
so my account Ally Financial was wrongfully sold to another debt collector without my consent. now that someone has my personal information they are reporting XXXX that i dont owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
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:
I am following up an ongoing dispute, Transunion response is that they are " unable to locate credit report ''. My consumer credit report is reporting negative items from Transunion. This dispute has been going on since XX/XX/2021, please have them remove the negative items.

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 2017-04-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
After reviewing my credit report with all XXXX Credit Bureaus ( XXXX and XXXX ) I noticed a derogatory item from USAA Bank on all XXXX Credit Bureaus, " of a debt/charge off for {$6800.00}. '' I sent USAA a certified letter via USPS requiring a signature, requesting " verification '' pursuant to the " Fair Debt Collection Practices Act '' of this debt/charge off for {$6800.00}. '' Verification meaning competent evidence bearing my signature. USAA received my letter on XX/XX/2017. In my letter I requested for them to remove this Account " of a debt/charge off for {$6800.00}. '' from my report if they could not provide me with competent verification of this account with my signature. USAA has not responded to me at all. 0 correspondence and they did not dispute the account with the credit bureaus. This Account " of a debt/charge off for {$6800.00}. '' that USAA is reporting to XXXX and XXXX, all XXXX of the Credit Reporting Bureaus which is affecting my credit scores negatively and preventing me from granting credit. I want this Account " of a debt/charge off for {$6800.00}. '' removed. USAA failed to respond in 30 days of my letter and did not provide me with any competent verification of this Account " of a debt/charge off for {$6800.00}. '' bearing my signature. Id also like to note that I have sent the same letters to each Credit Bureau requesting verification and all XXXX ( XXXX, and XXXX ) have failed to provide me with evidence bearing my signature in regards to the Account " of a debt/charge off for {$6800.00} with USAA. '' 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 2022-11-14
Company: Advantage Credit, Inc.
State: NY
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 been a vicitim of identity theft and someone is using my personal information to obtain credit. I did not authroize the inquiries on my credit report..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: OK
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 natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. They violated my rights numerous times. I DEMAND the accounts listed below to be removed because According to 15 USC 1681 ; I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: The CBE Group, Inc.
State: NE
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have had a phone number call me 3-4x/day the past 2 weeks who is trying to collect a student loan debt from XXXX College . 

I answered once and explained to him that if we could consolidate the loans I would be more then happy to start paying them but he said they ca n't do that and that they will continue to call me then hung up the phone! 

I understand they are able to call me but 3-4x/day really?? 
They call around XXXX-XXXX. Once around XXXX, Once XXXX-XXXX then normally between XXXX-XXXX Example : XX/XX/2016 XXXX - XXXX calls XXXX - XXXX calls XXXX - XXXX calls again! 
HOLD ON NOT DONE YET! 
XXXX - XXXX CALLS AGAIN!!! -- excuse you my time is just as valuable as yours there is no need for you to call me this often. 

if you are a debt collector out there I want to give you a word of advice, if you call someone this often I am extremely frustrated right now to when I do answer that phone call wo n't be a pleasant conversation

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My last statement from Bank America showed a charge for " check imaging ''. I never ordered it. I called customer service and although they removed the charge, they could not tell me how this happened. My feeling is that it is a new deceptive practice to get extra fees hoping that the customer will not notice it.

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 2021-07-29
Company: Shellpoint Partners, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since, I filed my complaint near the beginning of XX/XX/2021 today XXXX XXXX shellpoint is continuing to harass me. They know in XXXX of 2021 XXXX XXXX my bankruptcy attorney sent them a letter stating my bankruptcy had been paid off it is called a discharge letter. Shellpoint, continuing to a debt collector not a mortgage company refused to put my address in the system correctly causing me to get behind on payments now sent a inspector out to my house today to take pictures. Proving they are trying to steal my home from me. They are using illegal debt collector practices. I've contacted there attorney Monday telling him the issues he sent them a email expressing for them to fix the issue this makes 4 cfpb complaints against shellpoint in 2 years of service. Shellpoint, is a debt collector not a mortgage company listen to their recording when you call to make a payment. Violation of bankruptcy code for a debt collector to have the loan in the first place

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 2017-05-24
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Certified letter was received by the company on  XXXX   XXXX . I had questioned some entries on my credit report. The company failed to respond or report it as disputed on my reports within the 30 day time period. Violating the FDCPA and FCRA. I believe this is up to a {$2000.00} violation now.

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