BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Overdraft Charge on Electronic Payment. 
I Did Not opt IN for ATM, debit card or electronic payment overdraft. 
So my expectation is that the bank will NOT attempt to make a payment if I do not have funds on my accounts. 

Citizens Bank is charging me {$35.00} overdraft fee on electronic payments I programmed in its electronic payment online banking. Note that the bank CANCELED the payment and will charge me an overdraft for a payment that it will NOT perform. 

The overdraft fee is called, a return fee. The explanation is that Citizens bank needs to reimburse, Citizens Service provider that tries to make the payment when there is no funds available. 

My Rationale : I understand that my OverDraft Opt out rights are being twisted. 
If the account does not have funds and Citizens Bank knows about it, Citizens should NOT perform the payment ( as actually it did NOT ) and NO Fee should be imposed. 
Citizens Bank twisted this logic, by NOT performing the payment and calling the the fee ( {$35.00} ) a return fee. 

Talking to the bank representative, the payment will be resubmitted automatically and if there are still lack of funds another fee will be imposed. 

This behavior seems to twist the opt-out rights afforded by legislation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-11
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX I was hospitalized I the XXXX due to XXXX. My insurance as an XXXX XXXX member ( civilian ) of 14 years covers my hospital care minus my copay. Everything else is paid including who sees me in the hospital during my stay. XXXX XXXX XXXX ( XXXX XXXX XXXX ) saw me while in the hospital for a total of 5 min each time. XXXX XXXX  paid my hospital claim months before the very same amounts were fraudulently billed twice ( Dates of service XXXX ) but this time XXXX billed and coded them as office visits as if I went to his office when we know that to be false because I was half dead in my hospital bed. Now his office is committing insurance fraud and billing the insurance with duplicate claims knowing any insurance with a conscious would reject them. Once rejected and reprimanded by XXXX they chose to bill me for services that were already paid for by XXXX. Again, insurance fraud. On XX/XX/XXXX they assigned a collection agency Merchant & Prof for claims that were settled by XXXX in XXXX. I have tried to tell both them and XXXX office that Im stuck in the middle of this and I do not have a patient balance. The collection agency rep  XXXX was condescending and rude. He hung up every time I called them. Even after being sent the Explanation of Benefits from XXXX inXX/XX/XXXX showing a XXXX patient responsibility to their client, the agency is still falsely reporting this debt. They continue to defame my name and financial integrity. The issue isnt payment history as my track record is excellent. The issue is that XXXX XXXX XXXX, XXXX XXXX XXXX, and their collection agency Merchant & Prof are committing the crimes of Insurance Fraud and extorting consumers into paying claims theyve illegally duplicated. Which is why the duplicates were rejected by the insurance. Ive disputed on all 3 credit bureaus but XXXX and XXXX are still under investigation. The fact that this level of fraud is allowed by the credit bureaus is a clear indication that consumer protection and security dont exist. How can they allow fly by night collectors to report false tradelines?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25
Company: EQUIFAX, INC.
State: TX
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:
The credit Bureaus are reporting an inaccurate charge-off account from XXXX. The account has been paid off this account has been settled and needs to be removed from my account expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Experian Information Solutions Inc.
State: MA
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 ( XXXX XXXXXXXX accounts ; XXXX, XXXX, XXXX XXXX account XXXX in XXXX, XXXX XXXX XXXX XXXX acct XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602A. state i have the rights to privacy.

15 U.S.C 1681 section 604A. section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-05-31
Company: EQUIFAX, INC.
State: MA
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, The XXXX  At XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.C.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. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Experian Information Solutions Inc.
State: NC
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:
This creditor by the NAME OF XXXX  XXXX bank is STILL violating my rights to privacy of 15 U.S.C 1681. 15 U.S.C 1681 section 604 -A section 2 states a consumer reporting agency can not furnish a account without my written consent, I also received a letter in the mail FROM ANOTHER REPORTING COMPANY stating that they are representing XXXX  XXXX bank USING THE SAME ACCOUNT AS THEM and the balance is {$240.00} and XXXX  XXXX bank is reporting that I own {$770.00}, i demand proof from XXXX XXXX bank that I owe that amounT OF {$770.00} I also demand a copy of the contract with my written consent In a letter by certified mail so that their is a independent witness to it having been delivered, I also demand a response from XXXX  XXXX BANK within 5 days as listed in the terms of the the consumer book! kind regards!

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 2020-12-25
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I've been trying to get a clear understanding of why I was charged an XXXX FEE TO APPRAISER - {$170.00} by my lender ( NewRez ) since prior to closing the property. In brief, I transferred the appraisal from my previous lender XXXX XXXX XXXX. However, I was charged both an " Appraisal Transfer Fee ( {$25.00} ) '' and an " XXXX Fee to Appraiser ( {$170.00} ) ''. This property was not appraised with this lender ; meaning, there was no appraiser with this lender and the {$170.00} fee on the XXXX XXXX doesnt make sense. I asked this question before closing and I am not convinced it should have been charged. 
XXXX FEE TO APPRAISER to BROKER FBO APPRAISER B - {$170.00} APPRAISAL TRANSFER REVIEW to LENDER - {$25.00} It's frustrating that NewRez can not answer questions on a loan they closed. So far, I've spoken to XXXX ( the broker ), XXXX mortgage closing team, their servicing team and the concierge team on this issue without a resolve ( and responsiveness ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15
Company: Agency of Credit Control
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I hired XXXX from XXXX, Colorado in XX/XX/XXXX to build a prefabricated backyard studio in my property. XXXX was contracted for materials and also provided a certified professional installer. The studio design was signed off on XX/XX/XXXX and construction began once the material arrived in XX/XX/XXXX 2014. 

Due to ongoing issues with the installation, I withheld {$850.00} XXXX XXXX XXXX of the original {$20000.00} owed. {$19000.00} XXXX XXXX XXXX were paid by me prior to the completion of the construction as per the contract with XXXX XXXX. 

XXXX referred the non-payment to a debt collection agency, Agency of Credit Control XXXX as per the letter dated XX/XX/XXXX that I received from the agency. 
However the Agency of Credit Control XXXX has alleged that I owe {$10000.00} ( XXXX ). 

I have notified XXXX and the Agency of Credit Control XXXX that XXXX i ) The amount {$10000.00} of debt alleged by them is incorrect, ( XXXX ) The actual amount {$850.00} owed by me is being withheld pending repairs due of faulty construction. 
XXXX iii XXXX The Agency of Credit Control XXXX must notify all the credit monitoring agencies contacted by them about ( i XXXX and XXXX ii ) listed above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Related to claim # XXXX Over 10 days I deposited the check. 10 days that the check was cashed and US bank has not released the funds and now I did a 3 way call with XXXX they changed their story. 

They said that since I don't commonly make deposits from this issuer ( XXXX ) they have to hold the funds for 15 days to avoid scams. 

XXXX told them the check was cashed and funds released since XX/XX/2022. Today is XX/XX/2022 and " XXXX '' at Fraud department kept me on hold for over 33 minutes stating there is no manager or supervisors available as they work remote and they can't get a hold of one, neither by phone or chat and I will have to wait for the funds to be released. 

The service for this bank is extremely POOR. Their branch service is horrible.

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 2020-12-28
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX  ; Experian and XXXX  should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see page attached for reference. ) These multiple inquiries are well within the 45 plus day shopping window that is typically allowed to check different lenders and find the best loans. Each of these inquiries are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score. Please remove these inquiries from my report. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2015-09-24
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was in XXXX XXXX XXXX on vacation when my ex boyfriend XXXX. I was admitted into the hospital there and treated but I 'm on medicaid out of XXXX this should of been all covered. I contacted this collection agency and informed them of this.I 've been medically covered every since XXXX of 2005. I 'm at a loss as to what they want me to do. I have verification from social security that I 've been covered this whole time.please help me. I 'm trying my hardest to bring my credit score up and this is the only thing bad on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX Balance : {$1400.00} Opened Date XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: CITIBANK, N.A.
State: CA
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:
I Made a purchase with my citi bank expedia card. I made the Purchase on XX/XX/XXXX and was suppose to recive my order within a week. I did not receive my order or tracking and when I try to visit the website I ordered from I cant find it anymore. they never sent me an email confirmation of my order, receipt or tracking. it has now been over a month. Citi just resolved in favor of the merchant and still I cant be provided with a tracking number for my order or has the merchant tried to reach me. 

amount {$1000.00} citi case id Case ID : 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 2017-03-31
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Fay Servicing XXXX XXXX CA XXXX XXXX Fay Servicing claims they cant tell us anything about any generic part of the short sale process at all until we have an authorization on file. ( refusing to tell us what is needed for a short sale package until we are authorized on the file. ) It has taken 2 months for Fay Servicing to tell us which authorization they wanted. And now, they are trying to do a deed-in-lieu. A deed-in-lieu can not be done on this home and we have already told Fay Servicing this. Their previous servicer, XXXX, attempted a deed-in-lieu, forced the homeowner to leave the home, illegally, when they did not have the legal right to force an eviction, AND they could not do a deed-in-lieu because there is a 2nd XXXX. 

It is obvious this is nothing more than a con to scam the investor out of servicing fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have a second mortgage through Huntington Bank, and it matured in XX/XX/XXXX. The agreed upon note, signed by both the bank and I, states {$40000.00} financed with total interest to be {$28000.00} to be paid back in XXXX installments of {$370.00}. I made my XXXX payment in XXXX, but Huntington states I still owe {$2900.00}. I have not been late, nor have I missed a payment, and I pay electronically by the XXXX  or XXXX of every month. 
I've been trying to get this rectified since XX/XX/XXXX by visiting my local Huntington branch multiple times, and have been told a research team would look into the matter ; they haven't. I have given them copies of my proof-of-payments, asked for why I should have 7.6 more payments after I fulfilled my payments on the mortgage, and have not received an answer of XX/XX/XXXX. I called customer service twice on XX/XX/XXXX, the second time got a hold of a supervisor who told me she'd send emails to start an investigation and notify the consumer advocacy wing of their company. I called again on the XX/XX/XXXX, XXXX, XXXX, and on XX/XX/XXXX. The call on the XXXX a supervisor told me she would " raise the level '' of the complaint and was surprised no one had contacted me since the last investigation. I did ask for an amortization schedule on both the XXXX and XXXX mortgages twice now ; I've received neither. Huntington did send some transactions for the first mortgage from XXXX to XXXX, and on the second mortgage transactions for XX/XX/XXXX to XX/XX/XXXX. The second mortgage transaction show XXXX misapplication reversed payments, XXXX late charges ( wasn't late ), and an escrow deposit ( I have no escrow with the 2nd mortgage ). Moreover ; my principle is the same on XX/XX/XXXX as it is on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have a Perkins loan with XXXX XXXX  which I am currently paying. I have a late payment report for the month of XX/XX/2020 on my report which is not supposed to be there. There was computer glitch on the web of XXXX on the XXXX which made it a problem submitting payment. I didn't have the chance to try again on the XXXX due to the nature of my job. I am a XXXX XXXX XXXX in one of the hardest hit XXXX in pandemic crisis. I basically could not go home but been sleeping in XXXX arranged accommodation to protect my family because I am an exposed person to this virus due to my XXXX XXXX. 
I did not think it is fair, rational or empathetic for XXXX to be reporting late payment at this crucial time. I want the late payment to be reversed since the required payment has been made. 
I am not asking for too much, I am giving my best in this fight against covid-19

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 2022-05-31
Company: NAVY FEDERAL CREDIT UNION
State: NC
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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. 

XXXX Account # 's 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 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