BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have a safe deposit box with Bank of America at XXXX XXXX XXXX XXXX XXXX, OR XXXX for over 15 years. I received the payment notice about the same time every year. On XXXX, I received the bill as usual. If I had an account with them, so it would be a {$5.00} discount ( I think it mentioned on the bill ). I went to the bank and paid my bill at XXXX XXXX XXXX and asked one of the tellers for the discount since I had a checking account with them ( I closed my account later on but still kept my safe deposit box ). The teller told me it would n't be any discount and the fees on the safe deposit box went up to {$40.00}. I paid the {$40.00} ( I still have the receipt that proved I paid ). The price was not a problem because I transferred my safe deposit box from XXXX XXXX to the XXXX so that it would be more convenient for me. On XXXX, I was expecting the payment notice as every year. I did n't receive the bill and the due date was coming up soon. I went to the bank and asked one of the tellers about I did n't receive the payment notice but I wanted to pay my bill. She checked the computer and told me they made an error for overcharging me last year so that my safe deposit box would be free of charge for life and that 's why I did n't receive any bill ( I trusted the bank and I did n't ask her to put on writing, that was my biggest mistake that I ca n't prove it since they destroyed all the records ). I was so happy for last 10 years and I did n't really receive any bill. 

I went down to the bank two days ago and tried to take something out of my safe deposit box. I was told they did n't have any info about my box. I talked to the assistant manager and found out my box had been drilled last XXXX and all my records was destroyed. They had been sent me notice to my old address since I moved 6 years ago. I guessed I did n't check my box for last six years since they still had my old address. I told her about my story and she said that was impossible as lifetime free of charge. I needed to pay {$390.00} to get my stuff back. She also told me to call the XXXX customer service number about the procedure on how to get my stuff back. When I called that number, the customer service rep. told me none of information came up with my ss # and box # search. He suggested me go back to the bank and spoke to the manger to give them a call with all the info. I talked to the manager on the phone this morning ; he could n't do anything for me. I needed to pay the {$390.00} for the rental fees for last two years and the drilling fee to have my stuff back. I do n't think that is right to charge me for the mistake that they made to have my stuff back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-22
Company: FC HoldCo LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Applied for a vehicle loan online with no credit back in XXXX. I was approved for a XXXX XXXX XXXX for XXXX. Ive always had problems with this company. For the first three months I had an allotment set up with them and they claimed that they did not receive my allotted payments because they did not have the right allotment number after I sent them the allotment multiple times. In XXXX XXXX, I deployed and set up an auto payment where monthly payments would be made every months. On XXXX/XXXX/XXXX my car was repossessed for missing 3 monthly payments. I called and tried to receive information on my auto payment plan but the representative told me she could only tell me how much I needed to pay to get my car back.

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 2015-08-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
portfoilio recovery continues to call my phone an harrass me about this debt.. everytime they call i block them an then here they are again with a different number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Portfolio Recovery Continually Calls My XXXX Year Old Mother 's Home Phone And Cell Phone To Try To Collect Debts Relating To Her Daughter. Called Her Cell Phone Today From XXXX. They Have Called From Numerous Numbers From XXXX And XXXX And Others.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On three separate occasions account holder attempted to close his Truist personal checking account. Each time Truist reopened the account without authorization by account holder in order to cover debit requests from a credit card company. Account holder made up the deficit twice and write a letter to instruct Truist not to reopen the account. Finally, on the third time account was reopened account holder refused to cover the deficit caused by the unauthorized reopening of the account. Account holder is now receiving collection letters for the negative balance.

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 2022-05-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX, XXXX CREDITOR : XXXX XXXX XXXXXXXX XXXX DATE ASSIGNED : XX/XX/2019 AMOUNT OWED : XXXX ACCOUNT NUMBER : # # # # # XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: EQUIFAX, INC.
State: PA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. XXXX XXXX, Account Number : XXXX, has violated my rights. 
2. XXXX XXXX, Account Number : XXXX, has violated my rights. 
3. XXXX XXXX, Account Number : XXXX, has violated my rights. 
4. XXXX, Account Number : XXXX, has violated my rights. 
5. XXXX XXXX, Account Number : XXXX, has violated my rights. 
6. XXXX, Account Number : XXXX, has violated my rights. 
7. XXXX XXXX, Account Number : XXXX, has violated my rights. 
8. XXXX XXXX, Account Number : XXXX, has violated my rights. 
9. XXXX XXXX, Account Number : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have made several attempts to obtain my free annual credit report from Experian.com, yet every time I did this an error was reported. XXXX also reported an error. 

On Wednesday, XXXX XXXX I was able to get through to customer service and speak with a human. I was told my account was locked and I needed to call back in 48 hours and speak with a specialist directly as I was unable to guess the 4 digit pin on my account. I would not be able to use the website or automated system until this issue was resolved. 

On XXXX XXXX, after waiting 48 hours, I called Experian 5 times. Each time a person answered to ask how to direct my call. I explained the problem and begged to talk to a person. Each time I was transferred to an automated system that could not help me and eventually the system disconnected the call. 

I also reached out to Experian on XXXX DMs. I was told to use XXXX. Obviously I had already tried this and it did not work. 

Experian is keeping me free credit report from me due to their incompetence.

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 2016-01-11
Company: Alorica Inc.
State: IA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a billing statement from XXXX XXXX on XXXX XXXX XXXX. This statement was dated XXXX XXXX XXXX, and was for the amount of {$100.00}. The due date was XXXX XXXX XXXX. The statement shows the amount, {$100.00} as 0-60 Days, Current. Not past due, not Delinquent, but Current. I paid this bill, check # XXXX, XXXX XXXX XXXX in the amount owed, {$100.00}. I needed to verify what the amounts were for, as XXXX has fraudulently billed my insurance carrier ( XXXX ) for a humidifier that I never had. Unfortunately, XXXX had already paid them {$150.00} before I found out and put a stop to it. Once I was able to verify that the amounts were for my XXXX machine, I paid the invoice. I received a letter from Global Receivables Solutions , Inc. dated XXXX XXXX XXXX saying my account was assigned to them for collection. They claim the collection is for the invoice which I had just paid, that was n't even past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Synovus Bank
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a debt from Synovus Bank for XXXX dollars. A individual opened up a checking account in my name with my personal information. It was for a XXXX debt plus XXXX dollars overdraw fee for a total of XXXX. I contacted Synovus and they closed the account after showing them my drivers license. The information they had was my XXXX  but it also had a email address and phone number that was not mine. The drivers license they had on file had a number wrong and the exp date was wrong I filed a police report on the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, Wells Fargo withdrew {$1200.00} from my account for a mortgage payment that I no longer have. I paid off my mortgage on XX/XX/2021. I never set up automatic draft from my account so I'm not sure why it was taken out. I called Wells Fargo on XX/XX/XXXX and spoke with XXXX in personal banking and he informed me that I had to speak with personnel on the mortgage side. I spoke with XXXX and he said that I had to speak with someone in personal banking. After the back and forth, I filed a claim ( claim ID : XXXX. I received a call XX/XX/XXXX from XXXX ( Wells Fargo manager ) regarding the survey that I filled out for XXXX. I explained to her the problem and she stated that it should automatically refund my money within a couple of days. I still have not received my money and my account is now in the negative and I've had over {$200.00} worth of overdraft fees levied against my account. I also have items that have been returned back because of insufficient funds.

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 2020-04-18
Company: Comerica
State: SC
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:
In XXXX of XXXX on the first my SSI benefits went on to my Direct Express card in about XXXX to XXXX a.m. LOL thresh transaction was made taking {$400.00} of my benefits and I only receive {$520.00} a month I went through all the steps by reporting and everything that I had to do I did that day that the money was unauthorized and taking off or out of my account. Then XX/XX/XXXX XXXX XXXX who is the answering service for customer service for Direct Express froze my Direct Express card that's the card that most people with SSI get their benefits deposited on I can not reach a live person I've even wrote to the oig US Treasury various people their social security department I've tried to reach condo and services which is the customer service number you have to call for Direct Express for any problem I can't even get anything to happen those companies along with Comerica Bank who holds all the money for the US Treasury for social security had or have civil lawsuits against them some people are having luck with getting their money back but I can not reach a person on the phone I need to have the account unfrozen and having a card sent to me and on XXXX there are groups for victims of direct express XXXX XXXX in Comerica Bank that I'll talk about their experiences some people have taken prepaid cards like XXXX or something like that to social security office and has it so security office call the XXXX XXXX the customer service and have them reroute the money back to social security office and then put it on your card but I'm getting the runaround and I have since XXXX of XXXX and we're almost in XXXX of XXXX that's all the money I have to live off of months {$520.00} so that hurt me I lost my home had problems paying car insurance getting medication going to the doctor everything lost a lot of a lot of my personal belongings my place to live was the most important I don't know what to do at this point I've done everything that I was supposed to do reporting the frog riding them a tizzy I've done it I'm getting nothing but brick walls and the runaround I would like to get a new card I'd like to social security office to have the money rerouted back to them because someone in another state on one of those websites that I was talking about victims of Direct Express in XXXX  services they did that very thing but I took a card of the same thing to the local office where I live in XXXX South Carolina and the worker at the windows and they didn't do it so I know it can not be different from one state to another it's also security I need help and this pandemic has not helped at all and I've been trying for 5 months now to get my money back and that's almost {$1000.00} thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Experian Information Solutions Inc.
State: MI
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:
Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX XXXX : {$4600.00} Date Opened : XX/XX/2018

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 2017-01-16
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
In XXXX when I entered repayment on my loans with FedLoan Servicing, I filed one application to be placed on income dependent payments. In XXXX I filed my annual recertification, and I was notified that I was approved until XXXX of XXXX. In XXXX of XXXX I was notified that because I had not filed my application for recertification, FedLoan has jumped my payment to the standard repayment amount. The previous and last communication was that I was good until XXXX of XXXX. Now I must to file two identical applications within five months of each other? I do n't understand. Why ca n't FedLoan use the same application? Why was n't I given clear information? Who over-sees FedLoan?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-07
Company: National Enterprise Systems, Inc.
State: VT
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My Social Security payments are being garnished. The amounts reported by the collection agencies are different than the amounts on the credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX credit Card In accordance with The Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 States I have the right to privacy 15 USC 1681 section 604a section 2 it also States a consumer reporting agency can not furnish an account without my written instructions under 15 uses 1666 b a creditor may not treat a payment on a credit card account under an open end Consumer Credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Experian Information Solutions 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON 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 2022-05-20
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I opened an Amazon store card in XXXX that offered 0 % interest for XXXX  months. I purchased an item and immediately set up auto-payments. I recently learned that every subsequent item I purchased on the card ( within the 24 month window ; {$640.00} ) was not applied to the 0 % promotion because I didn't " check the box '' to apply it to the promotion. I didn't not know that all those charges would be charged interest ; this was not made clear to me during the purchasing process. Additionally, I found the Amazon store card would randomly pop up as the preferred form of payment during check out, without prompting, and thus additional charges were placed on the card when I expected them to go on another primary credit card. To date the total amount of purchases on the card total {$2800.00}, with payments totally approximately {$2600.00}, leaving a total of {$130.00} due ( minus expected interest after the 24 month initial period ). Despite this, my current balance due is over {$2100.00}. I find the terms and purchased processes of the Amazon store card to be deceptive to consumers and I fully dispute the total balance due. I have closed the card.

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 2020-08-14
Company: EQUIFAX, INC.
State: AR
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 went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.

Company response to consumer: Closed with explanation