BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-11
Company: Bread Financial Holdings, Inc.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For the second time, I have been contacted by a debt collector attempting to collect debt or to resolve a debt issue ( I think he said regarding a XXXX card ) with a person who is not me. Once again, I told this person that there is no one associated with my number by that name. The person they are attempting to collect/resolve issue with is XXXX or XXXX XXXX XXXX XXXX XXXX. I'm assuming this is a female with the middle name XXXX. I'm an older male. When I called back to this collector yesterday, I starting asking him who his company is and trying to get detailed information so I could report it. He then hung up on me. I told him again, there is no such person associated with me/my number. 

As for me personally, I have a credit freeze and fraud alert on my account because of past debt collector actions trying to collect someone else 's debt from me. I personally do not carry debt. I pay off my credit card every week. 

The telephone for this person ( according to the message he left his name is XXXX XXXX is : XXXX, ext XXXX ( The number also shows up on my phone as XXXX, XXXX XXXXXXXX, KS )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
On or around XX/XX/XXXX I received an email stating that I would get a FREE APPRAISAL, NO DEPOSIT AND A {$500.00} REBATE once I closed the loan. At the closing I noticed that I was charged {$400.00} for an appraisal but I closed anyway knowing of the letter that implied a rebate of {$500.00} and a rebate of {$400.00} for the free appraisal. When contacting the company they said that they were not going to refund me the {$400.00} but would send me a check for {$500.00}, which they did. 

The appraiser requested the house be painted. So I sent an estimate in of {$1900.00}. 
They held as a " hold back '' at closing {$3000.00} to be released once the house was painted and approved by an appraiser. This was done and a request for the funds to be released was denied and only {$1900.00} was released. No reason was given except this was their policy. However, I have a letter stating that ALL funds will be released once the painting is completed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-13
Company: BTH Management
State: NC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
this is weird. i had a loan with XXXX XXXX and i found out they sold it to plaza services LLC. however, XXXX XXXX XXXX XXXX XXXX informed me that they took over the loan. but w henever i call XXXX XXXX, they said it was plaza services LLC. So which is it? Plaza services will not answer the phone. XXXX XXXX XXXX XXXX XXXX on the other hand informed me they are the ones i need to pay. i feel like i am being lied to and scammed by someone. i would like for whoever is in charge of my debt now, to leave me alone and get this off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
Bank of America ruled against me in a credit card dispute. On XXXX I received a letter stating that Bank of America will report me to the credit rating agencies. As per the FTC they can only report me in case of refusal of payment. However, I already paid in full on XXXX. Bank of America appears to be in violation of federal law by reporting me. I am unable to reach Bank of America for resolution and/or explanation.

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 2017-06-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Portfolio Debt Recovery repeatedly harasses me by calling ( usually every other day ) despite being told that they are not legally able to enforce this debt! It was included in my husband 's bankruptcy and is considered community property here in CA according to community claims pursuant to 11 USC 524. This company was not only provided verbal notification including bankruptcy discharge number but also written notification that any attempt to collect this debt that was discharged in a bankruptcy inXX/XX/XXXX2015 is illegal. However, this has not deterred them and they relentlessly call and send notices still trying to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: FIRST CITIZENS BANCSHARES, INC.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The bank charges extremely high over draft fees.   My account was  XXXX  dollar  I o verdraft It by  XXXX  dollars I Now have  7 over draft fees..  <P/>   XXXX   XXXX     XXXX   XXXX   shut down ...   I dont want a first citizen account ... Even though you may purchase my account does n't make me forced to keep the account ... I do n't want to do business with first citizen

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: Eastern Account Systems of Connecticut, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My debt to Eastern Account Systems was paid on XX/XX/2021. They later reported the account as a collection account to the Credit Bureaus on XX/XX/2021. I have requested that both they remove the account from my credit report however they have denied my request. When I initially paid the account I was told that it would not be reported to the credit bureaus upon my payment however they still did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: NJ
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:
When I opened my credit report to check my credit score I was shocked. You posting wrong information. It was never belong to me. Why you put it on my name. Im sure that some person hacked my profile and get my personal information! DELETE this negative account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: IL
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:
First off I am XXXX, my mom helps me with all my decisions, and she showed me that I received a preapproved XXXX XXXX, I use this for personal [ college ] purchases and I also purchased some items for my trophy truck. My mom said this would help build my credit and have some responsibilities. Prior to moving to Illinois that balance was paid. We arrived here and get this bill for {$4000.00} and I immediately called XXXX and wanted to know what was going on. They said they were going to research and came back with this as your IP address, name, SS number, and date of birth, but the wrong address. These charges were from XXXX XXXX XXXX XXXX XXXX XXXXz. And they said this is your responsibility because everything comes back to your identity. I have been fighting this for the past 2 years. I am trying to raise my credit score as I am purchasing a home with my mom and with this hoovering over my head I can not move forward.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX at XXXX XXXX XXXX, PA XXXX I sent letters to this company XX/XX/2021 to verify that what is reported on my credit report is accurate. They have not provided me with any proof of verification and are still reporting inaccurate data on my credit report. 

1. XXXX XXXX The date of the last activity is different on every bureau report, the collection account is being reported as an open account, and Equifax is still reporting positive payments. 

2.XXXX  XXXX date of last activity is different on each bureau, Equifax is reporting on time payments, each bureau is reporting a different high credit amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: Chime Financial Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I recently opened account with Chime ( online banking ) and my first direct deposit was made on XX/XX/2021. On XX/XX/2021 I started following Chime on XXXX and a Chime agent contacted me by DM on XXXX about some kind of money award so I thought because they offers {$100.00} per any referral costumer so I opened the link and looked like Chime log in so I put my info name, email, passcode, SS # to get in it didnt get it so I sent this person an DM as soon I did it my whole money was stolen. She wasnt a Chime agent and the link wasnt legit. So now my SS has been exposed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was purchased by Suntrust Bank in XXXX. I was not given account information in time to make payments for XXXX. The previous bank took bi weekly pmts from my account since I was paid this way. Suntrust would accept my payments then return them after I was told the account would be current. In XXXX I sent 2 payments told it would bring me current then payments were returned. Then I sent XXXX payment in XXXX they were once again returned. Then In XXXX I sent 3 payments that were received on XXXX. I once again spoke to a rep and told them that I would sent another payment which was recieved on XXXX. I was told by the bank rep on XXXX that the account was not fine. Yesterday I received a check back for 1 payment. I am now on the phone with the bank and am being told they are now returning 3 payments back to me!! 

This is extremely frustrating they are ruining my credit. This is unfair that a bank would do this to a consumer that is trying to bring the account current. I feel they want me to foreclose on this property. I have asked the bank to put this is writting to me and they refuse.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-06
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX XXXX, 2017 I went inside the Wells Fargo brand on XXXX XXXX XXXX in XXXX, GA with a check valued at {$8400.00} in attempted to deposit {$7000.00} in my checking account and receive the balance ( {$1400.00} ) in cash. I received the cash balance and was asked by the Teller if I needed a paper copy of the deposit slip and I decline it. I waited 10 days to insure the check had ample time to clear but the funds where not in my account. I contacted ( via phone ) a Personal Banker with whom I 'd done business in the past. I informed him of what had happened and he agreed to look into the matter. Several days passed and I did not hear back from the Banker. Subsequently I reached out for the gentlemen again but found no relieve, just " noise '' that hey had looked into the matter but had no record to the transaction. I requested he or the Branch Manager review the proof work to resolve the issue. Again I heard nothing from the Personal Banker. I then spoke with the Branch Manager and she agreed to work on resolving the issue. With no resolution I was able to retrieve the information on check including name, date, number, etc ... and provided it to the Personal Banker. To date there has been no more communication from Wells Fargo nor has the matter been resolved. 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 monetary relief
Consumer complaint received 2021-08-04
Company: CURO Intermediate Holdings
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: Investigation took more than 30 days

Complaint:
investigation took longer than 30 days, no results recieved

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On  XXXX   XXXX   2017  I had a balance of $ {$62.00}. Regions charged me  a OD FEE  of {$180.00} when nothing was ever in the negative.

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 2019-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
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 disputed a charge because the company never sent me the replacement bulbs as they indicated they would. Capital One credited my account while they investigated. Then, the company sent them falsified paperwork supposedly proving that I received the replacement bulbs and indicated in that paperwork that they called me to make sure I received the replacements in good working order and that I confirmed via telephone that the problem was resolved. This was simply not the case. I never received the replacements and I never received a call from the vendor ( see attachment ). In fact, the information that the company sent Capital One actually proves my case and not theirs ( see attachments ). Despite having pointed this out to Capital One, they put the charge back on my account claiming that I did not follow their procedures. 
The procedure they are referring to is that they asked me to seek a second opinion via letterhead from a similar company indicating what the original vendor did incorrectly. I refused to do this as this is a ridiculous request and I was not going to waste more of my time ( and someone else 's time whom I didn't do business with ) when it's obvious what the company did incorrectly. I told them if they wanted a second opinion, they could seek it out themselves - considering that ANY normal and reasonable company would indicate that to fix this, they would send the replacements - it's that simple. Capital One indicated via a followup phone call shortly thereafter that me not providing that second opinion was the reason why my dispute was being resolved in the company 's favor and that they were putting the charge back on my account due to " compelling evidence ''. 
This practice of making the consumer seek second opinions in order to resolve disputes seems like a ploy that credit card companies use to make it difficult for consumers to pursue disputes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been with  XXXX   XXXX , now  Navient,  since I entered  XXXX   XXXX  at  XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX . I have been on a payment plan of {$1000.00} per month, but have been notifiied in a phone call In  XXXX  that I have had much more in interest applied to my balance than principal and that my interest rate would be 18 % in  XXXX . I apparently, after 20 years, still have a balance of over {$150000.00}. I did indeed have a forebearance/limited payment from a  XXXX   XXXX   XXXX  ' Degree I got  in  XX/XX/XXXX  from  XXXX  University, but that does not explain the exorbitant interest pending next year or the amount applied to principal being so much less than the amount applied to interest. I request the CFPBs assistance in settling this matter. I was told that summaries of my account-to-date information would be on my site, but have not been able to get access. Seems to be rejecting password and user IDs after several attempts. I would suggest that the CFPB contact Navient and request access itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I previously asked for an investigation as this company is not providing information that is accurate. This company is reporting that this account is paid in full a payment and I'm asking if this is true can they provide proof of paid in full. This company can not provide me with proof because this account is in litigation with a balance and this company is providing information that's not factual data on my credit file.

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 2022-04-06
Company: EQUIFAX, INC.
State: AZ
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:
Choose according to account type.These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: Total Card, Inc.
State: LA
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:
I had a dispute sent in with Total Visa XX/XX/2021 and also in XX/XX/2021 while in dispute of billing errors total Visa closed and restricted access to my account this is a violation of 15 USC 1666 ( d ) they can not close or restrict my account while in dispute and 15 USC 1666 ( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error- Pursuant to regulations of the Bureau , a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error. 


And for correspondening action to this violation 15 USC 1666 ( e ) states- Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.

Company response to consumer: Closed with explanation