BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2019, I made a check out to my sister for {$7000.00}. She deposited into her bank but somehow the check did not clear into her bank but into someone elses account and different bank. I have been fighting this with the bank ever since and no one has done anything to assist me or tell me where my money went.

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 2021-12-13
Company: TD BANK US HOLDING COMPANY
State: NY
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 I received a call regarding unusual charges made to my credit card. I responded they were not mine. On XX/XX/XXXX I received a letter they were holding me responsible for the charges. Calling me a liar. I filed a police report for identity theft on XX/XX/XXXX after sitting in the bank for hours trying to resolve this. The officer who has the case has at least 2 films of a man with a face mask and hat using a card that had been made from skimming my card since I always had my card in my possession. Went back to the bank and sat for hours more with no outcome. Last I heard from speaking to customer services was that they havent determined if they are going to reopen this. They want me to pay minimum which I did once but will not do so again probably ruining my credit. I just want the bank to refund my {$35.00} and be done with it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-12
Company: Randolph, Boyd, Cherry and Vaughan
State: VA
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
In XX/XX/XXXX or XX/XX/XXXX my wife and I purchased a vehicle. I was XXXX in XX/XX/XXXX. She defalted the loan. I have n't received any coorispondence related to this defaulted loan. Whereas my wife and I where not communicating I lacked any paper work pretaining to the loan. The dealership that said vehicle was closed. XXXX and I only talked at court about the child. I have attached here past adresses of places I have lived pulled from my credit report. The contract was signed in XXXX county. Also attached are court dates none of which I was subpoenaed for. Im currently working in XXXX. I live in XXXX. My company travels alot relatively local but not close enough to drive back and forth so hotel stays over the corse of a week are necessary. Randolph cherry byod and vaughn have shut my bank account down. I find out on my way home from work on friday in need of gas. No corripondence so I havent a clue as to whats going on.. this week is my vacation week and I 've been under terrible XXXX the whole time.I missed a freind of mines XXXX that I had a ticket to for lack of gas money.I called them on Monday pleaded with them to cut me a deal work out payments or anything they already received XXXX from my account on a XXXX debt. If this was in XXXX i wouldve received notification of said court date I wouldve attended it.. this manner of collection is illegal unfair and detrimental..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I fell behind my mortgage loan payments. I have been seeking assistance to get back in place and have been given the run around. I ended up hiring an Attorney to help me get back in place and was NOT successful! The Attorney I hired was being given the run around just like me, nothing changed. The Attorney would call Wachovia, then Wells Fargo attempting to modify my loan, or to be given an alternative to avoid foreclosure, but that NEVER happened. I would call the Attorney day in day out and at first all of my calls would be answered and all of my questions would be addressed. However after years the Attorney stopped answering my calls so often, would not return my calls, and at the end the Attorney no longer answered my call what so ever. The Attorney disappeared and the monthly fees, and all the money I paid him disappeared right along with him. I have not been able to get my money back, the bank cut out a check to this Attorney and the bank is not wanting to talk to me, nor work with me to help me stay in our home. I am simply asking for an opportunity at a fair review. Instead I get run around, lied to, taken advantage of.

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 2017-04-11
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had wells fargo bank for a short period of time, I closed out my account well I thought I closed out my account but turns out they did not close it and I kept getting charged fees of over draft. I had called many times and was told I owed the money and that it was closed. it only got closed after the fees were added. I now can not get a bank account because of their doings.

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 2017-04-15
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am 11 days late making a payment and they call me up to 10 times a day, some times more

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 2017-04-16
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I had a payment with due date XX/XX/2017. 
I paid the amount on XX/XX/2017. 
I received two letters : 1 ) A payment was not made on XX/XX/2017, and that I was past due 2 ) A second payment is due on XX/XX/2017, despite my repayment plan be QUARTERLY. 
I tried paying the XX/XX/2017 payment on XX/XX/2017, and their website was down ( as usual ). 
I would ATTEMPT paying earlier if they posted the payments earlier. I was n't able to reach Heartland ECSI on XX/XX/2017, and on XX/XX/2017 it was Saturday and they were closed. 

I previously filed a complaint against Heartland ECSI for their " convenience fee '' of 5 % when making online payments. That is, when the online payment system actually works. It is down 75 % of the time. I 'm curious this is some kind of retaliatory tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I went to use my card at the ATM for a {$80.00} cash transaction the ATM printed a receipt saying an error occurred and that  XXXX  dollars was dispensed. My American serve account was still charged the {$80.00} plus ATM fees of {$5.00}. After calling customer service  XXXX  times to let them know what happen they still are refusing to refund the money to my card even though they can see that the transaction did n't go threw. The reason I have been given is that it takes  XXXX  to investigate and up to  XXXX   XXXX  to refund my money. I do n't understand why they have the right to hold my money when on their end they can see the ATM did n't give me the  XXXX . This is basicly theft for them to take money that I never reiceve and then refuse to refund it even though they know that the ATM did n't process the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Back in XX/XX/XXXX i was sent a letter from a company called " LVNV Funding ''. they were writing to notify me of an old debt that was owed and i needed to pay it or they were going to place the item on my credit report. After some of my own research, I discovered it was a debt that a court awareded to my ex wife over 8 years ago ( the original creditor was XXXX XXXX ). So, i tried to reach the company at the number they provided but with no luck. it appeared to be a bad number because every time i dial it all i got was a fast busy. So, i mailed them a dispute letter ( because you have 30 days to notify the company that you dispute the validity of the debt ). I disputed it under section 809 of the FDCPA. Well, XX/XX/2017 they placed the item on my XXXX credit report. I filed a dispute directly with Transuion citing that per the FCRA rules the date of first delinquency was over 7 years ago and the item should be removed. so they deleted it within two days. I didnt realise they put it on my Equifax report until i checked that report today, So i submitted a dispute directly with XXXX today ( XX/XX/2017 ). I 'm writing because this company appears to not follow FCRA rules or FDCPA law and I feel they should be investigated. Also, another reason they should be investigated is not only did i receive the letter from LVNV Funding, i also got a letter last week from a company called " Resurgent Capital Services '' who claim they manage the account with LVNV Funding. This could and would likely be very confusing for the consumer. Meaning, a consumer may not know that its the same account. Having said that, I submitted two notifications to this company Resurgent advising them that i am still disputing the debt under FDCPA law but also that per FCRA rules they can not report this on my credit report anymore. I have noticed that they appear to get away with the reporting side because they do not include the date of first delinquency to any of the credit bureaus. So if a consumer is not watching their report a company like them will put the items on the credit report and potentially get away with it. hopefully with my writing the CFPB these companies can change their practices and stop trampling on the rights of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed for chapter XXXX XX/XX/XXXX. I made an agreement with my creditors to pay 100 % of my debts. In exchange once all debts have been paid my Chapter XXXX will be " dismissed. '' I paid all of my debts 100 %! I contacted TransUnion to remove from credit report. I faxed TransUnion dismissal papers from United States Bankruptcy Courts proving my case. TransUnion still states bankruptcy is verified. I contacted U.S Bankruptcy court and the U.S Bankruptcy Courts stated TransUnion did not request my court docket file. Under the FCRA, once filed the case is a matter of public record and appears on my credit history. The public record listing for a dismissed ( completed or paid ) Chapter XXXX bankruptcy remains for 7 from the filing date! I am attaching all proof to validate my complaint! I also have an active loan with XXXX. I refinanced my vehicle in XXXX XXXX, mt next scheduled payment was to be in XXXX XXXX, XXXX XXXX mishandled the paperwork and rescheduled payment for XXXX XXXX, XXXX XXXX reorganized the loan so two months ( XXXX XXXX, XXXX XXXX ) was put at the end of the loan. I disputed with TransUnion and they still have me 30 days late in XXXX XXXX. I called XXXX and they stated they updated with XXXX. XXXX stated contact TransUnion, we did our part. My chapter XXXX should be off my credit report, XXXX should be never late! Transunion is very bias and is created to hurt the consumer and not be honest.

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 2017-04-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Chase removed my autopay 14 months after I set it up then reported my account delinquent when payments were not made. I asked them to remove the late payments reported on my account and they insist on the marks being valid. This has caused me to spend hours attempting to fix the issue and also my credit score going from XXXX down to XXXX. This has a tremendous impact on my business as we rely on credit to purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I currently have a private student loan cosigned by my sister. I called navient to find out the process for removing my sister from the loan as her finances were making it difficult for me to get a lower payment plan. They advised me that I would have to make ontime payments for two years to remove her name from the loans. I did so, after two years I called navient to have my sister removed they advised me that due to my credit score I was denied. I was not advised that my credit score impacted the removal of my cosigner. So her name remains on the loan making my payment rates to navient higher and impacting my sister 's ability to refinance her home at a lower interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery Associates is co ntacting me to collect a debt I have disputed with   XXXX     XXXX   XXXX  . I asked for a Verification of  Debt Letter, wh ich I never received. They claim to have sent  one  already telling me I need to send a written request in order to obtain another.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Experian Information Solutions 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:
There is a hard inquiry on my credit report from XXXX XXXX XXXX. I never applied for a loan with the XXXX, this is fraudulent. I requested Experian research and remove the inquiry three times and all three times they did nothing. Their form letters and responses are impossible to decipher and they refuse to provide any supporting information from the lender to show the inquiry is valid, instead they claim it is up to me to prove it is fraudulent. That is ridiculous. If Experian placed the inquiry then it is up to them to substantiate it or remove 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 non-monetary relief
Consumer complaint received 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
I have sent a letter to all 3 credit bureaus to get my old information removed ( name, prev and incorrect address ). However they refuse to update my 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 non-monetary relief
Consumer complaint received 2017-04-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have called and reported incorrect names and addresses on my credit reports. After speaking with the representative, I was told they were removed and a updated credit report would be sent. However, as of today, it has not been removed. The alias that is being reported is not my legal name that appears on my drivers license. Also, the  XXXX  addresses is not occupied by me.

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 2021-06-15
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
When we last spoke, Mr.XXXX  advised me that he would stop the interest that day. Year to date, interest has accrued monthly. All verbal communications with Reps has been void. I have not received any written communications as I have requested on every occasion, since the initial mishandling of a payment arrangement that never made their system, just verbally communicated on a recorded line.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sold a baseball ticket in 2018 using an online app that I forget. The money was paid to a paypal account. 

I am unable to withdraw the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a previous request from Mr Cooper concerning their report prior to the transfer of the loan. The response I got back saying every thing had checked out appeared to be correct. But after finding out I'm still able to log onto their system ( Website ) and download payments made and posted along with other account information, the downloading of a relevant monthly statement confirmed what I had forgot during the XX/XX/XXXX to XXXX payment period. The downloaded statement has " POSTED PAYMENTS '' on it. Looking at those posted payment, it verifies that during that same period, I had made about eleven payments one for each of the recorded months. All were payments made for the previous month, meaning they were 30 days behind, but consistency on each of the listed months from XX/XX/XXXX to XX/XX/XXXX. Each of these payments were accepted once made and though a month behind, they payments were showing an current account. The downloaded document list all the payments as " POSTED '' - Looking at the credit report on XXXX it is not showing each of the listed payments being POSTED. It is showing four of them being " OK '' and that OK is in between a " 60 '' with there being there being 5 each of the posted " 60 '' nearly aOK, then, 60, then OK, etc.. In discussing this today, the question is was the credit posting not reflecting the Downloaded document posting. And how or why could a " 60 '' be put in between an OK, and for every other ... Why is the credit listing not showing what the " POSTED '' document is showing. Comparing this to the Document I received from XXXX, the XXXX  document follows the " Posted '' document. And neither document has the actual posted payment showing a double amount, as to show that a Suspense holding was being used. None of my statements or anything else shows anything being held or put in a suspense account. The initial 30 day late should have simply moved forward on each payment that filled the previous month. With nothing in the statements or anything from my experience indicating each that of the payments that were made, were not posted or accepted within that same month. How could something otherwise be used and how could a " 60 '' late be recorded, where there was a monthly payment made and as the document indicates, the payments were POSTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
There are three inquiries on my credit report that do not belong to me they are not mine I have not opened these or inquired for any of these I need them off my credit asap!!! I have sent out multiple letters to bureaus and furnishers regarding this!! 

XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX  - Inquiry date : XX/XX/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 explanation
Consumer complaint received 2022-04-29
Company: Chime Financial Inc
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:
Lost my debit card XX/XX/22 Reported it stolen to chime. Lost over XXXX dollars in unauthorized transactions. They denied my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Colony Brands, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2015, a account was opened in my name with the company named Ginnys/Colony XXXX I never opened or ordered anything from them and believe it was my ex spouse that opened it in my name.

Company response to consumer: Closed with explanation