BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-02
Company: TCF NATIONAL BANK
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
In 2014 my purse was stolen from me with all of my banking information inside of it including my Pin number and account information to the TCF bank. As I went in to try and close the account and get a new credit card the bank had explained to me that a fake check was deposited into my account for {$2500.00}. I then filed a claim and a police report and also got my lawyer involved with this issue. I sent in multiple pieces of evidence showing that I was not the one who applied the fake check into my account, these are documents I still hold with me today. After sending in all of the information I had on the identity theft the bank came back and said that I am responsible for the incident and I have to pay the money back even though I sent in evidence showing it was not me. This has been going on for over a year now and is preventing me from making any further life changes with this on my credit report. I am not allowed to have a bank account and I am unable to find a place to live or buy a car due to this issue. I am not sure why during investigation they did not look at surveillance cameras or anything else to help solve my case but I can still prove today that I am not the one that deposited the fake check into my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I contacted American Express requesting assistance with the number of late fees incurred during COVID-19 and they refused to retroactively credit my account. I have been unemployed and struggling to make payments like many Americans but this company refuses to acknowledge that there is a serious problem and that it will accommodate customers during a financial hardship. I have worked with other banking institutions who have removed all late fees during the COVID-19 pandemic and have taken steps to request even a deferment. I would like that American Express to honor its oath not only to American but to XXXX who put there XXXX XXXX XXXX XXXX to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
Discover claims to offer " price protection '' guarantee in which they reimburse you the difference for an item if a lower price for the item is found within 90 days. I purchased an Apple Watch from the XXXX XXXX for full retail price of {$400.00}. Just a few weeks later, numerous big retailers such as XXXX XXXX for {$100.00} less. I made my purchase using the Discover Card, thinking that I 'd be covered in such a case, as promised. 

After weeks of mind-numbing waiting on hold, resubmitting the same documents, and being told contradictory information, Discover ultimately declined to honor their price protection guarantee. I provided receipts of my original purchase, along with evidence of the new lower price. In fact, the newer lower price has been everywhere, so it would n't take more than a Discover employee bothering to take a look. 

Customer service is of lackluster standards, and as someone who uses services from numerous other financial institutions, I have a lot to compare to. It is near-impossible to reach a customer service representative who is willing to help you at all. Nearly all of them will claim that they can not help you on your issue, but wo n't bother to transfer you to anybody who can. Or will even incorrectly transfer you to further waste your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: Credit Associates of Maui, LTD
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The access to medical services ... and the billing of said services to me ( per this false debt reporting ie., ) was covered under XXXX XXXX XXXX / XXXX XXXX . This so - called medical debt reporting, that is ancient as well, is not valid.Period.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Several of the credit monitoring services I use have been reporting to me in the last few days that I have a new or recently filed bankruptcy. I filed for chapter XXXX in XX/XX/XXXX and it was discharged in XX/XX/XXXX. Its not NEW. I have also contacted them several times concerning a fraudulent inquiry from XXXX/XXXX that was never removed after the investigation came out in my favor. Due to these erroneous errors, my score has dropped significantly and I was denied credit. A XXXX XXXX card I applied for after my Chapter XXXX was discharged in XXXX is being reported as closed in XXXX. How is that? The account is still open and current as of XX/XX/XXXX. Lastly, the collections account for XXXX XXXX was not been thoroughly investigated. Its also a fraudulent account that the bureaus are refusing to remove.

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 2015-12-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I am having issues with the incompetency of the credit bureaus with my investigation and reinvestigation of my inaccurate information on my credit report. Not only have they failed to provide a proper investigation, but they have failed to provide the documentation to prove the method of verification and documentation used to " verify '' my accounts, as allowed to me under sections 1681 and 609 of the FCRA. Congressional opinion in many lawsuits, specifically XXXX vs. XXXX, states that the law is verify clear in that once I notify the bureaus that I have inaccurate information on my credit report, they must investigate the accounts AND they have to verify the information received by the data furnishers. Once I notify them that the results are still not correct, they are in a different place than before and MUST reinvestigate and go beyond the original source of information. The effect these negative inaccuracies are having on my credit far outweigh any cost associated with investigating these accounts, and Congress states that I am in the right when I state that there must be a reinvestigation. Sending me a letter stating that no reinvestigation will be taken unless I provide further information from data furnishers, courts, etc. and that I must resolve the issue with the creditors myself is a clear violation under the FCRA. Stating that their organization is not a mediator, will not provide any documentation used to verify said documents or refusing to reinvestigate are further violations, as they bear a GRAVE RESPONSIBILITY to ascertain that these accounts and all other information on my credit report is accurate. They have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Letter was sent via priority mail on XX/XX/2020 requesting my date of birth to be corrected. Supporting documents were sent such as my drivers license and birth certificate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Bread Financial Holdings, Inc.
State: IL
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:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Commenity Bank XXXX XXXX XXXX XXXX for billing errors in connection with identity theft that occurred on XX/XX/2022. As a consumer, I am protected by several laws including the Fair Credit Billing Act ( FCBA ) ( 15 U.S.C. 1666 et seq. ), the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), and the Equal Credit Opportunity Act ( ECOA ) ( 15 U.S.C. 1691 et seq. ) and I believe that these laws have been violated in my case. 
On XX/XX/2022, I discovered unauthorized charges on my credit card statement issued by Commenity Bank XXXX XXXX XXXX XXXX. Upon further investigation, I realized that my personal information had been compromised and used to make these fraudulent charges. 
As per the FCBA, I have the right to dispute any inaccurate or incomplete information on my credit card statement within 60 days of the statement being sent to me and the bank must correct or explain the errors within XXXX billing cycles. I have notified Commenity Bank of these unauthorized charges and requested that they be removed from my account, but I have yet to receive a response or resolution. 
I would like to add that the unauthorized charges on my credit card statement not only caused me financial harm, but also resulted in a great deal of stress and inconvenience. I have had to spend countless hours on the phone trying to resolve this issue with Commenity Bank, and I have yet to receive a satisfactory resolution. 
Additionally, the FCRA requires that credit reporting agencies, such as Commenity Bank, take reasonable steps to ensure the maximum possible accuracy of the information in my credit report and notify me if any adverse action taken based on my credit report and investigate any disputed information and correct it if it is found to be inaccurate. As the unauthorized charges on my credit card statement have also been reported to the credit reporting agencies, I believe that Commenity Bank has not fulfilled these requirements. 
I also want to bring to your attention that my XXXX XXXX has been negatively impacted by these unauthorized charges, which has caused me to be denied credit and other financial opportunities. This is a direct violation of my rights under the FCRA, as I have the right to accurate and complete information in my credit report. 
Furthermore, XXXX prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age or because you get public assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I had tax lien on my report, and it has been taken care of, have a release form and also the court has in on file. I want to know where do I mail it to? so it can be clear from my credit report, I can not find any phone number or address on website.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Other

Complaint:
On XXXX XXXX, 2016, I filled a dispute with Discover for XXXX XXXX, that I booked on XXXX XXXX, 2016. I was not allowed to get on the flight. I called allegiant customer service, after 45+ minuets of wait. I ended up calling Discover and explained them about the whole situation about not letting me board the flight. The customer service Rep. said he will go ahead and file a dispute once the transaction gets posted on the account. They filled the dispute. On XXXX XXXX, 2016, I was given my money back of {$220.00} along with the interest of {$0.00}. This transaction was final not temporary. On XXXX XXXX, 2016, I saw that Discover reposted that transaction for the amount of {$220.00}. Upon speaking with XXXX from customer resolution department, she said that XXXX said all sales are final. First of all, I did not miss my flight. If I was n't allowed to board the flight, how is it my fault? I had to get a bus from the XXXX airport to get a new flight to California from XXXX airport. On XXXX XXXX, I spoke with Allegiant customer service rep. I was told it is been over XXXX months and they wo n't be able to help me with anything. Discover did not represent me properly and took my money back without proper investigation. Discover can get a recording of the airport of XXXX XXXX, 2016. I was n't late. I got there on time. Due to Discover 's misrepresentation and lack of service, I am losing my {$220.00} for a service that I never used or was not allowed to used. I had to pay {$50.00} for the bus from XXXX to XXXX and then {$250.00} for the new flight. All in all, no one at customer resolution department of Discover is willing to help. They are reading the copy/paste policy of XXXX that says all sales are final. Discover did not even look at my particular situation. At last discover failed to perform their duty and represent me properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Deposits and withdrawals

Complaint:
I was written a check by a member of Chase bank. I went to Chase to cash the check and was told there would be a {$6.00} processing fee to cash the check as I was not a customer of theirs. Why would it matter if I am their customer? I 'm holding a promissory note on their paper from one of their customers who obviously is using that bank to store their money. They ca n't even be concerned about cashing a check with insufficient funds, as obviously they can check the account to see if the funds are available. I simply do n't see the logic behind this new fee other than to try to get more money out of the average person. And why would I want to open an account with a bank that wants to charge me money to cash their own checks? How does that make good business sense?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: V and H Portfolio
State: NH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
XXXX XXXX Certificate of Savings Deposit for my XXXX children in XXXX and XXXX at XXXX XXXX XXXX on XXXX XXXX XXXX in XXXX, PA XXXX. XXXX XXXX Bank was bought out on XXXX XXXX, XXXX by XXXX Bank ; on XXXX XXXX XXXX XXXX was bought out by XXXX XXXX XXXX Bank ; on XXXX XXXX XXXX XXXX XXXX XXXX XXXX was bought out by Wachovia Bank ; on XXXX XXXX, XXXX Wachovia Bank was bought out by Wells Fargo. While going through my paperwork I came across the Certificate of Savings Deposits. They have never been cashed. I never received a notice of forfeiture of money if not chased by a specific date. During the banks buy out no one ever contacted me or my children about the Certificate of Savings Deposits. I have contacted XXXX different Wells Fargo Banks, XXXX in XXXX and XXXX in XXXX. They give me the same line. We have no records after 7 years and there is on funds. I understand they have a dormant fund. The bank has never even informed me about this fund. We are not talking about XXXX dollars here. I just want my children to receive the money that they are entitled too. Please, I would appreciate any help. Thank you

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 2017-01-25
Company: Account Recovery Specialists, Inc.
State: KS
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was served by XXXX XXXX sheriff a notice to appear in court at the end of XX/XX/XXXX. Court date was XX/XX/XXXX. I appeared to court that day and talked to XXXX women representing A debt collector. We agreed on a {$50.00} a month payment plan for 4 months. I paid {$50.00} on XX/XX/XXXX which I have a copy of the payment receipt { # XXXX ) from that transaction, and an additional form stating the agreement for 4 months on it. I work for the XXXX and I get paid once a month. On my XX/XX/XXXX paycheck there was a garnishment of {$460.00} from the debt collector I just made an agreement with, less than 2 months ago. I was not informed, or sued by the debtor, or given the chance to request a hearing but they took my money anyway without me knowing about it until I received my paycheck. This has completely devastated me and left me the inability to feed myself until my next monthly paycheck.

Company response to consumer: Closed
Consumer complaint received 2020-08-15
Company: Southwest Credit Systems, L.P.
State: DC
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 have a loan with XXXX, XXXX ( Original Creditor : 09 XXXX XXXX ), and SW CRDT SYS ( Original Creditor : 10 XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX ( Original Creditor : 09 XXXX XXXX ), and SW CRDT SYS ( Original Creditor : 10 XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When I first called Bayview Loan Servicing, they asked me if they could send me text messages. I said " no '' on the phone.

They start sending me text messages anyway. They lie in the text message saying that I signed up for text alerts -- I did not.

When Bayview asks you to " re-confirm '' opting-in, they ask you to say yes. The word " no '' is not even an option! See the attachment as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I attended XXXX XXXX University from the Fall of XXXX until XX/XX/XXXX. I was there for 5 semesters & graduated XXXX XXXX, XXXX. I am a former XXXX. I never had any student loans. The VA paid for my 5 semesters. But even if I had loans, it cost less than {$4000.00} per semester. {$4000.00} 5 = $ {$20000.00}. Th student loan people claim I owe them almost {$100000.00}. AND they claim I have loans thru XXXX & XXXX. I GRADUATED IN XXXX!!! They also claim I have loans at multiple universities in different cities!! I have been trying for years to get them to resolve this & all they say is, " it's your loans. We verified it '' That's complete nonsense. If this cant be resolved & these loans removed from my name & credit report, I will have to notify the FBI, my attorney and file an identity theft & fraud lawsuit. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019 a withdrawal of {$2400.00} was made. I did not make it later that night another amount of {$3800.00} was withdraw. I did not make it either. 
I feel Iam a victim of idenity theft. and elder abuse.I reported the first withdrawal as soon as I noticed it and was told by BOfA Fraud department they saw the first one happening and would stop it. And they would block my account. Neither was done. Instead another withdrawal of {$3800.00} was done during the night. 
A debit slip was made out in my name for {$2400.00} The signature is in my handwriting but the handwriting on the slip is not. 
I immediately told Bank of America i needed help and asked what to do. 

I have copies of both withdrawals. 
I went to my Bank the next morning. They closed my account then and told me what to do and reassured me all would be returned. 
My account number with them was XXXX My fraud # is XXXX. 
My husband and I had been BofA clients for at least 40 years. 
I Then called the police, my lawyer, computer consultant, XXXX and I researched California Fraud detection and prevention poloicies including Reg E. 
I did everthing I was told and and still they denied my claim saying all was my fault. 
They said my cell phone and computer had been hacked. And I needed to provide " Proof of Porting ''. I  spoke to XXXX and they told me I would have to see a lawyer. 
Losing {$6000.00} plus hiring a lawyer is very difficult for me. 
I am a XXXX year old widow. My husband died 4 years ago with XXXX. I am a XXXX XXXX and cared for him for the 8 years he was sick. I am not proficient in money matters. 
I feel this is wrong and I desperately need 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 monetary relief
Consumer complaint received 2020-01-08
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The collection company is Midland Credit Management based on the number search. They call numerous times a day from various numbers. 
I've received calls from : XXXX ; XXXX I'm not sure why this company is allowed to change their number/hide their number when they call. In the past I've indicated that they are not contact me via phone. The only communication is via mail. 
I worked with them on a prior debt which has been paid in full. I don't agree with the way you are served by a private process server. I'm confused how MCM is allowed to operate the way they do vs other collection companies. I've never been harassed by other creditors or agencies until dealing with MCM.

Company response to consumer: Closed with non-monetary relief