BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-15
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Opened account with citibank for a promotion of XXXX if I maintain a XXXX balance for 60 days. Account opened on XX/XX/XXXX. Promotion stated make deposit within 7 days and maintain a XXXX balance for 60 days, get paid XXXX withing 30 days after meeting requirements. 
I called after 90 days in Late XXXX, they said it would be credited by End XXXX. 
I met requirements no bonus was paid, called back XX/XX/XXXX, they opened a case to look into it. Case # XXXX, never called me back. I called them XX/XX/XXXX, they said case resolved and I would not be paid bonus, because I had closed a previous account in XXXX of XXXX. 
This was never part of requirements on the web site when I setup account. 
This is Fraud, and if that were the problem they could have said that to me in XXXX, instead leading me on to keep my money tied up longer in their bank. 
I have cut checks to my other banks today to move funds, and will close this account as soon as funds hit my other bank.

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 2022-07-10
Company: LEXISNEXIS
State: NY
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:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 2018-03-03
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo closed my son 's account, who is a minor without warning 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 2020-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 submitted letters to XXXX, TransUnion and XXXX  informing them of inaccurate information being reported on my credit reports. I submitted a letter from the furnisher stating they did not verify the information that is being reported on my credit reports.

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 2020-01-22
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
AMCOL Systems ( a debt collector ) reported a debt on my credit reports without notifying me of any debt owed. And previouslyy agreed already to remove it and have not. I have been fighting for many years regarding 2 amounts not owed by me that continue to be bought and sold by creditors and then reported on my credit without my knowledge. Disputes get acknowledged and the reporting removed only for the next creditor to repeat the same actions of that it acquired the fraudulent debt from. Please see that it is removed from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: Chime Financial Inc
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX Chime suspended my account for suspicious activity from deposits I received from Kentucky Unemployment. They said they needed documents from me and two business days to clear up the issues, so I complied. The next day they needed more documents, and continued on this pattern the entire week, until XX/XX/XXXX they informed me my account was closed and it was determined I was not eligible to receive the remaining {$250.00} in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Convergent Resources, Inc.
State: FL
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:
My credit profile shows I owe XXXX {$450.00}. I contacted their best collection agency Converegnts to request proof of this debt because I don't owe anything. I also told them I am a current customer of XXXX, as I have been for years. There is no way I should have been granted service without paying an alleged " prior debt '' in total. 

On XX/XX/2021, I sent Convergent a Certified letter requesting proof of this debt. I received a few bills that state I owe for a DVR box that I never had, a returned modem, and a fee for terminating the contract early. When I returned the modem, XXXX did not provide me with a receipt from the local XXXX store. 

The agent at my local XXXX  store in zipcode XXXX claimed it was too long ago, and they have no record of my account information in their system. I sent another detailed certified letter to Convergent  dated XX/XX/2021. The letter requested that they again provide me the information I asked of them in the certified letter dated XX/XX/2021. 

I also request they provide the alleged proof of Service Contract Agreement I Authorized, XXXX XXXX Contract Terms/ Date, Unreturned Modem Serial Number/ Make/ model, Proof Modem Was Not Returned, XXXX Serial Number/ Make/ Model, Date XXXX Provided DVR and method XXXX etcetera. 

Today they still refuse to respond with the requested information. Why? Because it doesn't exist. The printed bill invoice only stating I owe for a DVR, modem, and early contract termination isn't sufficient. Billed invoices are not enough proof.

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 2015-06-16
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX our bank sent us a letter requiring us to prove we have flood insurance ( due to a Heloc acct. ) .Because of misinformation received from XXXX XXXX, a third party vendor, that evaluates FEMA maps, the bank has charged us for insurance. We sent the required info to show we are not in a flood zone. This was verified in writing by a certified letter by XXXX XXXX and our insurance company.All this was FAXed to the bank per their request. Thru many phone calls, e-mail and faxes from us and our insurance agent, we are unable to get anyone to clear this up. Every time we contact them we are told they need some new form /document ( up to XXXX now ) in order to remove the charges. We have been to the bank several times and are told there is nothing they can do because it is the loan dept ( not the bank ) which is located in another state. The loan was opened in our state at our branch office!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I notified all 3 bureau I was never late They never responded. I contacted XXXX XXXX they said I was never late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: Advance America, Cash Advance Centers, Inc.
State: MS
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I AGREED TO MAKE PAYMENTS ON AN INSTALLMENT LOAN ON THE XXXX OF EACH MONTH THRU AUTOMATIC BANK DRAFT. THE COMPANY HAS BEEN SENDING THE DRAFT THRU ON VARIOUS UNAPPROVED DATES THROUGH OUT THE MONTH. IT WAS SENT THROUGH ON MY HUSBAND PAY DAY WHICH HAS NOTHING TO DO WITH ME AND ALSO IT HAS BEEN SENT THRU ON OTHER RANDOM DAYS OF THE MONTH. THESE UNAPPROVED TRANSACTIONS HAS COST ME SEVERAL NSF FEES AND INTERFERENCE WITH OTHER BILLS. I HAVE EVERY INTENTION ON PAYING THIS BILL BUT WE NEED TO STICK TO CONTRACT OF ONLY BANK DRAFTING ON THE XXXX OF THE MONTH. I SPOKE WITH MY BANK ACCOUNTANT AND WAS INFORMED OF SEVERAL THINGS I COULD DO TO STOP AND REPORT THIS MATTER. IT IS NOT FAIR TO ME TO HAVE TO ACCUMULATE ALL THESE OTHER DEBTS BECAUSE THIS COMPANY IS CONTINUOUSLY SENDING MY DRAFT THRU AT THEIR DISCRETION. THAT IS SO UNFAIR AND ILLEGAL. PLEASE HELP ME WITH THIS MATTER. I HAVE RIGHTS TO.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: PROVIDENT FUNDING ASSOCIATES
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I submitted complaint after I paid XXXX late fees and balance show up on my account to Provident Funding www.provident.com about why I have XXXX late payments fee after I travel out of town. No response to my complaint. I thought that I paid on XXXX XXXX I should be fine by now as soon as I pay on time from now on ( I even just paid the XXXX late fee ). But today I login my account to pay for this month Mortgage and find another late fee show up again. 
The account say payment is due on XXXX XXXX, 2016. I call them they told me that they ca n't do anything about the late fee. I paid it and printed the confirmation. Now I try to see what will appear on my account now? Even though I get confirmation from their website saying I have paid and transaction completed, it still show payment is due on XXXX XXXX, 2016 and it says YOUR SUBMISSION PROGRESS : INCOMPLETE. I am afraid that they will charge me late fee each month even I pay in time each time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: NJ
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 on my credit report has violated my federal protected consumer rights to privacy and confidentiality under 15 u.s.c 1681. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A section2 : It also states a consumer reporting agency can not furnish an 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 then seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows are has reasonable cause to believe that the information is in accurate.

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 2020-11-01
Company: MONEY SOURCE, INC., THE
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have mortgage on the property located at XXXX XXXX XXXX XXXX, GA XXXX with XXXX  XXXX. The servicer is the money source. They disbursed {$1500.00} on XXXX XXXX, 2020 to make first installment payment for the property tax. They also disbursed {$470.00} on XXXX XXXX, 2020. I contacted the company via phone and via email about this payment. The tax person admitted that the payment was made for different parcel. My account has not been credited for this amount as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My debit card was attacked twice in two months causing a slew of problems with paying my bills. On one particular weekend, a few of my bills came out that I was not prepared for after this cyber attack. PNC ending up charging me 4 over draft fees totaling over 140 $ over the weekend. I promptly paid the money for the bills the following Monday. PNC has not been willing to work with me and as a XXXX with no money. I see this as stealing from the poor. PNC also without hesitation will change the terms and  agreements to your account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-04
Company: Diversified Consultants, Inc.
State: NY
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 'm currently in contract to get a home loan a debt came up on my credit report from diversified collection agency which I contacted and they explain to me is from a time warner account under the name of XXXX XXXX which is not me my name is XXXX XXXX. This agency said my social security was used to open this account and they received that account from XXXX. I contacted XXXX they assure me and confirm that account was not open with my social security number or my name and I 'm an not affiliated with that account at all and they do n't know why that collection agency is trying to collect from or why they are saying my social security was used to open the account. There 's no fraud committed the only fraud I see is this collection agency pinning this debt on me. I believe is because yes I went through collection for a minor amount about 8 years ago and me and this person have the same last name so they picked my social security number to pin this on my credit report. So I was forced to pay the debt in order to make sure I get my home loan. But I did it in a dispute with XXXX which suppose to contact that collection agency and confirm that debt is not mines. I explain that to the collection agency but they still think is me I told them I want my money back asoon as this clears out. It seems like this collection agency do n't want to hear me out. It is not right what they are doing I 'm more upset about not getting this loan for my first home because they decided to mess up my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
original account number was charged in a Chapter XXXX bankruptcy in XXXX XXXX # XXXX, then again in XXXX XXXX # XXXX. Because it gets sold and put back on. Since I have had it removed from my XXXX credit report and working on the other XXXX agencies, now the debt collector has decided to contact me, and say I owe the money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
Capital One is negligently allowing illegal monetary withdrawals from my credit card account by one of their known fraudulent merchants named XXXX for charges I never made or authorized. 

Capital One has allowed its merchant XXXX to fraudently deduct from my account on five different dates in different dollar amounts randomly. The fraudulent dollar amounts vary and are being targeted against my account even after I have complained to Capital One since XX/XX/2020 : XX/XX/2020 - XXXX XX/XX/2020 - XXXX XX/XX/2020 - XXXX XX/XX/2020 - XXXX XX/XX/2020 - XXXX XX/XX/2020 - XXXX Each time I've been forced to report the fraudulent transactions, Capital One has had to provide me monetary reimbursement for XXXX 's fraudulent charges. 


Capital One also falsely promised me on XX/XX/2020 that they placed a merchant block on XXXX from being able to make further unauthorized withdrawals from my account. However, on XX/XX/2020, XXXX randomly withdrew {$150.00} from my account - this time for a greater amount than before. 


Capital One has failed to protect my financial assets and has breached it's consumer agreement with me to keep my financial account safe from known bad actors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have previously contacted Bloomingdales credit card about a balance that was due to items not being received by me. I was under the impression it was taken off. On XX/XX/XXXX I received a 1099C discharging the debt I called the 800 number several times trying to speak to someone since any IRS form were suppose to have been mailed out before XX/XX/XXXX. On XX/XX/XXXX I received an email from my XXXX, XXXX  and XXXX  stating that this debt was discharged.  Bloomingdales discharged this debt in XXXX and has fraudulently back dated the form to reflect they discharged in XXXX they have sent me this form late and also the amount on this is wrong since the items ordered were never received by me. They were sent to the wrong address. I have disputed this several times. I need them to withdraw this 1099C and wait until XXXX Since this was just discharged XX/XX/XXXX see proof attached. And they need to send the IRS and myself an update form.

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 2020-12-11
Company: Experian Information Solutions 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:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2021-01-26
Company: ALLY FINANCIAL 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:
Account paid In full only late 2 times in 4 years agency wont remove inaccurate negative items nor update account as paid

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: Diversified Consultants, Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XXXX, our family " bundled '' our XXXX wireless and internet accounts. In XXXX 2016, XXXX internet send us notice our service was canceled due to an unpaid amount. This amount included the XXXX wireless service, which had been paid in store. XXXX internet sent us notice we still owed over {$500.00} for the internet, even while our bill never was more than {$50.00} monthly ( we were also not 30 days late ) for the service. XXXX internet then sent us notice of their collection for the entire amount, even though they admit they could not verify their claim. 
XXXX internets improper, ilegal collection activity has complicated and limited our ability to obtain a home mortage.

Company response to consumer: Closed with explanation