BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-31
Company: Atlanticus Services Corporation
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I make all my payments online through my bank account. All of my credit cards are set up this way. I received my Fortuva credit card in XXXX. I made my first payment on XX/XX/2021. The payment showed processes and then reversed the same day. I called my bank first to see if there was a problem on the bank end. The representative I spoke to said that the charge never came through. I went on to my Fortiva account to make sure I did not make a error when entering my bank account information. All information was correct. I called Fortiva and they said they are unable to tell me why it was reversed., bit I was then charged a {$40.00} late fee. I made my next payment in the same fashion. I assured all information was correct. I submitted the payment to be paid on XX/XX/2021. The payment was processed and then reversed. I went through the same process as before. I called my bank and they let me know that the payment never came through the bank. The representing told me that it would show if they kicked back the payment or denied payment. I called Fortiva again and was told that they could not tell me why it was reversed, but again charged me a {$40.00} late fee. The representative said that I could make the payment over the phone and they would waive the fee for paying through the customer service. I have verified and reversed all my banking information and it was all correct in their system. The payment I made over the phone processed right away through my bank. I asked for them to reverse the late fees since there is something wrong on their end and I was told they are unable to do that. I believe they reverse payments on purpose to collect the late fees. Like I said all my other cards are set up the same way and I have never had a problem with my payments. I have closed my account with Fortiva credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: PNC Bank N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions XXXX XXXX XXXX. XXXX XXXX Account paid full charg off. 1 XXXX XXXX XXXX, mi XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: U.S. BANCORP
State: OH
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
My saving account was closed and XXXX opened another checking account. I received a letter XXXX letter sent XXXX ) stating it was closed because of over use. I transfered moneys from saving to checking. I went to the bank and they closed the second checking and opened another saving. I was told I had a small window of time to change my direct deposit to the other account, but my payroll check will still be deposited. Well today XXXX my payroll check was not deposited and I have direct bill pay set up. and no money in my account. I called my company pay roll and was told they wo n't be notified until Tuesday that the money was returned and a paper check will be issued and sent XXXX. I talked to the bank they will credit me the return check charges, but no overdraft protection till I can deposit the check. When I called the bank this time XXXX I was told there were no notes on my account and the bank ca n't open another account with my ok. Well they did!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Ascension Point Recovery Services, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I received a letter from AscensionPoint Recovery Services addressed to my estate. I was reported by XXXX XXXX who put on my credit report that I was deceased. AscensionPoint got a hold of this and is now sending me letters to my so called Estate. I am not dead. 
I called XXXX XXXX and they could not tell me why this happened or who did it.This is EXTREMELY disturbing getting a letter saying that you are dead in the time of all these crises. I am VERY upset upon seeing that I am deceased on my credit report put on by XXXX XXXX  and receiving letters to collect a debt from a dead person. I really need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
I made several transfers of US $ to XXXX, a US company using my PNC debit card, for the purposes of investing it into digital currency. Unbeknown to me, PNC allowed 3 % of the face value of the US $ transfer to XXXX to be debited from my checking account. The payments were described as POS international fees on my checking account statement and were debited several times between XX/XX/XXXX and XX/XX/XXXX. PNCs excuse is that the US $ payments are routed through a US $ clearing account based in the XXXX XXXX and so they were entitled to charge fees as if my debit card had been used overseas. The aggregate amount of the fees charged total around {$100.00}. 

PNC have refused to file a complaint against XXXX or XXXX correspondent bank and have told me I am only entitled to dispute the transactions. I can not consciously dispute the transactions for two reasons. 1 ). The transactions were genuine and I willingly authorized the US $ transfers to XXXX. 2 ). XXXX currently has several $ thousands of my money sitting in their account. However, I did not authorize anyone to take a 3 % processing charge for the pleasure of wiring US $ into a US $ based account held in California with a US company. 

PNC have refused to take any other action other than giving me the option to dispute the transactions ( which as explained above are valid ). They have refused to allow me to dispute the 3 % processing charge. On a call today with PNC at XXXX today, they have confirmed to me that the dispute resolution process with them is now concluded. They also refused on the call, to provide any further information about who their regulator is or any details of how I can make a complaint against PNC for refusing to help resolve this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
We are co-signors for a loan my son, XXXX XXXX had. Apparently, he stopped paying his loan in XX/XX/XXXX when the collection attorney assigned by Citizen 's Bank no longer used this attorney. We acknowledge he should have called the bank and resumed paying his loan. The problem is that we, as co-signors of the loan were never advised. On XX/XX/XXXX, we noted that {$10000.00} was removed from our checking ( {$3000.00} ),  savings ( {$5500.00} ) and my other son 's checking account ( {$2000.00} ) without any notice. We received a letter from the bank, dated XX/XX/XXXX but not received until XX/XX/XXXX that they were doing this. Had we known of the non-payment issue, we could have worked with my son and the bank to resume the payments and to pay towards the outstanding. When we called the bank, they said they were within their rights to do this. I disagree as the XX/XX/XXXX bank form they sent ( we have been members of the bank since XX/XX/XXXX ) showed they could apply setoffs, but they never advised us there was a dispute. This is creating a hardship to be able to pay bills and replenish my other son 's account ( which was his savings to begin paying his loan once he graduates from college ) from my retirement savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX XXXX reported a collection for $ XXXX to the bureaus in XXXX, for a debt in XXXX. Theyre claiming I paid nothing on the debt ( taken out XX/XX/XXXX ) but state the delinquency occurred XX/XX/XXXX three years later. The document does not have a grace period of three years, so that timelines is impossible. I pointed that out ; it was not fixed. I pointed out that the original debtor had 90 days from the date of delinquency to report/sell the debt, and the collector 90 days to report it- it was not fixed. At this point, my problem is with XXXX AND the credit bureaus ( mainly XXXX and Equifax ) because Ive disputed it maybe XXXX, with supporting documents, to no avail. I am entitled to be represented accurately by the bureaus, instead Ive received letters refusing to even look at my disputes- even if I did provide supporting evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Ability Recovery Services, LLC
State: UT
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:
Ability Recovery Service reported a collection for $ XXXX to the bureaus in XXXX, for a debt in XXXX. Theyre claiming I paid nothing on the debt ( taken out XX/XX/XXXX ) but state the delinquency occurred XX/XX/XXXX three years later. The document does not have a grace period of three years, so that timelines is impossible. I pointed that out ; it was not fixed. I pointed out that the original debtor had 90 days from the date of delinquency to report/sell the debt, and the collector 90 days to report it- it was not fixed. At this point, my problem is with ARS AND the credit bureaus ( mainly XXXX and XXXX ) because Ive disputed it maybe XXXX, with supporting documents, to no avail. I am entitled to be represented accurately by the bureaus, instead Ive received letters refusing to even look at my disputes- even if I did provide supporting evidence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: JH Portfolio Debt Equities, LLC
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Everyday at work I keep getting calls from this collection company. My job does n't allow for a creditor to call my work place. I plan on suing the company if I get ton of calls. This causes me to lose money at work and is embarrassing in general.

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 2015-03-23
Company: Alliance One, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Yet another call from Alliance One, this time it was XXXX XXXX in XXXX ... se said they would remove me from the data base ... same thing they said last time i complained. 
PLEASE REMOVE my number from your data base, i have had this number for over 3 years ... I am not your debtor Previous complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: Experian Information Solutions Inc.
State: LA
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:
During the Covid Pandemic, XX/XX/XXXX, I put my home mortgage account in forbearance. I didn't pay 2 months, XX/XX/XXXX and XX/XX/XXXX but resumed making payments in XX/XX/XXXX. During this time, I was instructed by the company that missed payments would not be reported to the credit bureaus. In XX/XX/XXXX, I get an alert that my mortgage account has been reported 60 days past due to all the credit reporting bureaus, although my XX/XX/XXXX mortgage statement indicated that my account was still in Covid forbearance status. When I called the mortgage company on XX/XX/XXXX that's when I was informed that my forbearance ended XX/XX/XXXX and that I should not have gone by what my actual mortgage statement was reporting, which was that my account was still in forbearance at that time. On XX/XX/XXXX I paid all past due amounts, which was also reported incorrectly on all 3 bureaus, bringing account current. Each bureau is reporting something different, so there are so many inaccuracies throughout the report. I filed disputes with all 3 bureaus and the resolve was the information was verified and reported accurately. I pulled my credit report XX/XX/XXXX, again to see that there is yet still another XXXX reporting for XX/XX/XXXX. I've written " Goodwill Letters '', spoken with several representatives and no one was willing to help me. I informed the company that a 60 day was now showing up for XX/XX/XXXX and was informed that they did not report it that I had to take it up with the reporting bureaus, which I did, and the information came back that my mortgage verified the information as accurate. I've been a customer since XX/XX/XXXX and before the pandemic I've NEVER once been late. I protect my credit like I protect my peace and there's no way I would have allowed a 60 day to hit my report, causing me XXXX points. These inaccuracies across the 3 bureaus have caused me physical, emotional and financial damages

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 2022-05-15
Company: CITIBANK, N.A.
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:
These companies continues to report fraudulent information associated with a fraudulent address I never lived at, of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. This is the address companies use to falsely claim the listed fraudulent items are factual. Police reports confirm and validate the noted address as fraudulent. Thus, all accounts listed and associated to that address should be removed. These items include : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX *Inquire - XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX *Inquire XXXX Citibank XX/XX/XXXX *Inquire - XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XXXX XX/XX/XXXX *Inquire XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX *Inquire XXXX XXXX XXXX XX/XX/XXXX *Account - XXXX Bank XX/XX/XXXX ( XXXX ) Associated with fraudulent po box

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 2015-11-03
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
To whom this may concern, In 2013, my Scottrade account was hacked and over XXXX USD of fraudulent ACH transfers were initiated via the account. The attached shows the corresponding XXXX XXXX XXXX statements which shows Scottrade withdrawing XXXX of dollars from my account.

Company response to consumer: Closed
Consumer complaint received 2016-06-04
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I responded to an internet ad for a Chase Slate card that was promoting 0 % interest for 15 months to people who wanted to make balance transfers of up to {$15000.00}. I wanted to consolidate my balances from XXXX other cards and, as requested on the application, submitted balance transfer amounts totaling {$12000.00}. The card was approved. About a week later, on XXXX XXXX, I received a letter from Chase saying that they had only approved {$900.00} and were going to transfer {$880.00} from XXXX of the cards. It said that I had until XXXX XXXX to cancel the transfer. I called them to cancel the transaction and they said they wanted to check my credit again to see if they could approve the whole amount. It came back as a denial because I had too many credit cards with balances. They said I would get a credit denial in the mail. I told them that I wanted to speak to a supervisor. The supervisor said they could n't cancel the card because the transfer was already being processed. After I complained a lot, citing the letter I had from them that said I had 4 more days to cancel, the supervisor finally said my card will be cancelled. She could not tell me why they promoted a card offering balance transfers and then used those balances against me, saying that I had too many credit cards. Now I have XXXX bad marks on my credit report because I was denied credit when they insisted on running it through again and because I cancelled their card. I was trying to be responsible by consolidating cards and paying off my debt. People should know that this is a scam. Something should be done about Chase promoting this and then ruining people 's credit rating by refusing to cancel the card and insisting on running it through again creating a credit denial. I 'm sure many people are trying to improve their credit rating by being responsible and consolidating debt and that is who this offer targets. I certainly was not trying for another credit card. I wanted to pay down my debt and this offer was offering me that opportunity at 0 % interest. In the end, they would have gained a good customer who was being responsible. They should n't have approved the card if they were n't going to honor the balance transfer amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: HYUNDAI CAPITAL AMERICA
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I went to XXXX XXXX XXXX on XX/XX/XXXX to purchase a car. In XX/XX/XXXX Hyundai Motor Finance illegally repossessed my car. On XX/XX/XXXX I requested a copy of the contract. To my dismay the contract now has a FORGED signature on the contract that WAS NOT on the contract when I left the dealership XX/XX/XXXX. I am giving XXXX XXXX XXXX and or Hyundai Motor Finance the opportunity to resolve this fraudulent matter. If not settled to my satisfaction I will be pursuing in Federal Court as FORGERY is a FEDERAL violation.

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 2022-07-05
Company: Zip Co US Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2022, I placed an order for {$69.00} with XXXX XXXX XXXX and decided to use my Zip card to place the order. Shortly after placing the order, I changed my mind and decided to cancel it. I contacted the merchant who agreed to issue a full refund to the original payment method. That same day, I went into the Zip app and reported a return on this order. 

The merchant issued a full refund of {$69.00} as promised, but instead of crediting it to the correct order ( the one which I had made the day prior, which was for the exact amount of the refund, and which I reported to Zip I was expecting a refund ), Zip erroneously took the refund and applied it as a partial credit to an order I had placed and completely paid off with the same merchant over 9 months earlier. 

Even though I could see immediately they had credited the incorrect order and informed the CSR of this, it took over 2 hours of chatting with Zip customer service for them to even admit there could be an issue, and they said they would investigate it. Then, several weeks later, they finally acknowledged via email they had made an error, but said there was nothing they could do about it. 

This is outrageous. Zip claims the refunds they issued went to a card ending in XXXX, but I closed that card/account in XX/XX/2022 and the company who issued that card says that it is impossible that a refund was posted to a closed account, and they do not have the money. In the meantime, Zip continues to bill me for an order I canceled and never got anything for. To make matters worse, Zip is collecting their {$1.00} per payment fee for this order which should have been refunded/cancelled weeks ago. 

I also asked the Zip CSR repeatedly how I can avoid this problem in the future, as I FREQUENTLY use zip at the same couple of merchants, and I want returns to be credited to the correct Zip order. The Zip CSR claims that this is the merchants fault for not crediting the correct order number. This is obviously false informationthe merchant is unaffiliated with Zip and simply issues a credit to a XXXX card on their end. They have no way to know what my Zip order number is, or communicate to Zip which order number a credit should be applied to. Zip is the one who takes that credit and determines which Zip order it should go to. Zip is the one who caused this error and refuses to make it right. I did not receive a satisfactory response to this question, even though I thought I did everything right in terms of reporting my return in the Zip app.

Company response to consumer: Closed with explanation