BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-19
Company: NCP Finance
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
NCP Finance Limited Partnership have called me several times pretending to be someone coming to serve me papers about a debt I supposedly owe. I have voicemail messages to verify this. They have also called my grandmother, pretending to be a judge with my casefile looking to discuss my case with me. The one time that contact was made, I was spoken to very aggressively and in a condescending manner. I was never told the details of the alleged debt, as they were too busy trying to scare me into making a payment right a way and threatened to sue me if I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
US Bank has taken the deposit of my payroll check and withheld it from my " available funds '' for longer than their policy states. The check was deposited in the US Bank ATM in XXXX, California, at the same branch where I opened a savings and checking account on XX/XX/2017. The funds should have been cleared and unlocked today XX/XX/2017. It is now past business hours, and the funds have not been unlocked. Per a call to their customer service department this weekend, the funds were to be unlocked today by the expiration of the lock. 

The check is my payroll check from the XXXX, a local institution and the primary employer within XXXX, California, and a California State public institution ( part the XXXX Community College system ). Obviously this is a reputable institution and a well known within the local community. The check is {$2200.00}, but my total savings and checking balance is currently over {$9000.00} and includes overdraft protection. 

The letter from US Bank has this listed as their reason for withholding access to the funds : " We have information that leads us to believe that the check may not be paid '' " For your protection, we are ensuring the availability of your deposited funds. '' The most important statement, " These funds will be available no later than 7 business days after your deposit. '' Again, it is past the close of business. XX/XX/2017 to XX/XX/2017 is 7 business days. The funds are not unlocked. 

This is a new account, but this is the second abuse from US Bank where they have denied me access to my funds. They have a repeated pattern of abuse. Given the payroll check is from a reputable institution, I am certain this is being done to benifit the bank by playing with the " float '' cash balance - leverage their available funds by blocking a customer 's access to their personal funds. This is abuse. 

Worse of all, they only notify me of the funds lock by snail-mail letters. They have email options and do email me about my account. However, they refuse to use emial to keep me immediately up-to-date of locked funds on my account. Since I leave most of my monies in the savings account, which is the account used for the overdraft protection, I have three times been at risk of overdraft because of the locked funds. I 've had to needlessly transfer more funds into the checking. 

I believe the second reason for this ploy is to trigger an overdraft and, thus, an overdraft fee. 

US Bank is using a strict defense of their policies to hide games of " float '' and games to catch an customer off guard with overdraft fees. However, they are not following their own policies by locking funds past their 7-day policy. 

At the first chance, I will be closing all US Bank accounts. They are not a reputable organization. They are abusive.

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 2019-11-19
Company: Westlake Services, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Title loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX To Whom It May Concern : Re : Westlake Financial Thank you for taking the time to read this letter, and I hope your day is going well .Im writing because I noticed that my most recent credit report contains a late payment reported on XX/XX/XXXX for my Westlake Financial account # XXXX. 
I called for an extension agreement deferred payment on XX/XX/XXXX for my account confirmation # XXXX I made a payment of {$210.00} instead of the normal {$50.00} payment to defer a monthly payment. I will include proof of confirmation emails from prior arrangements along with this letter to help my case. I was told if the system reports it late and its not processed in time Westlake will have no problem removing the error. 
I called for a deferred payment on XX/XX/XXXX for my account confirmation # XXXX $ XXXX XX/XX/XXXX payment {$190.00} confirmation XXXX and another payment on XX/XX/XXXX {$180.00} confirmation XXXX, for a total of {$580.00} received before 30 days. 


Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: EQUIFAX, INC.
State: GA
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 XXXX Account # XXXX XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX  Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Citizens One Home Loans collects my mortgage payment every month online. I schedule my payment beforehand to make sure it reaches on time. However when I schedule the payment, it does not show up online. I have brought this issue up with the company in writing many times, however they have not done anything about this issue. 

Often I forget whether I have already scheduled the payment or not, since there is no way to check online I have often ended up paying more than once in the confusion. Both payments are then locked in, the online system has no option of canceling the extra scheduled payments either. 
This ties up my household finances, mortgage is a huge expense for us. 

My complaint is that all other online portals, e.g., credit card companies, always show clearly when a consumer has scheduled a payment. The same standard should apply to a mortgage company. 

If I schedule a payment, it should be recorded and be clearly available for me to see somewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: PNC Bank N.A.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hello, I opened up a virtual wallet checking account with PNC on XX/XX/XXXX I believe. I opened it up with a promo code attached to it that was " Get {$300.00} if a {$5000.00} direct deposit was made and XXXX debit card purchases were done. '' I fulfilled those requirements. I chatted with a PNC customer service representative named " XXXX '' on XX/XX/XXXX about it. I will be attaching a screenshot of the conversation. However, he acknowledges that it is active for my account. I waited the required 60 days and my bonus never posted to my account. I chatted online on XX/XX/XXXX with a " XXXX '' ( screenshot is attached ). She says that I do not have a virtual wallet account anymore and my savings account is closed out. I was confused and never asked or was informed by PNC that my account was being changed like this. XXXX says I am not eligible for the bonus now. It seems like PNC is trying to avoid paying out the bonus. I

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-13
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I 'm currently serving on XXXX in the XXXX. I applied for the Barclays Bank Luxury Gold card because at the time, Barclays had a great reputation for programs they offered to military members. They went well above and beyond the SCRA standard. They offered 0 % APR as part of the SCRA agreement. They also waived all transaction fees and well as the {$990.00} annual fee to all XXXX Military for the duration of their service. This is the explicit reason I applied for this card this past XX/XX/XXXX. In XX/XX/2016 Barclays decided to change to terms and conditions they offered to new Military members. They stated they were trying to bring them selves in line with everyone else in terms of SCRA. Every card service representative I talked to stated that if you were a previous card holder this would not affect you. Only new account holders after XX/XX/2016. After 10 month of having this card I received a notice in the mail stating that they could no longer honor the original terms and would begin accessing my account the annual fee of {$990.00}. I understand that Barclays Bank went well beyond any other creditor in regards to SCRA. However, not honoring the original terms of agreement to current card members is just bad business.

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 2019-12-19
Company: BB&T CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Back in XX/XX/2019, while traveling to Maryland I used the XXXX XXXX  ATM. The ATM 's there have no surcharge and this is why I chose to use them. Shortly thereafter while checking my bank account I was informed that the {$3.00} fee was deducted from my account. When I asked why, I was told by the representative that the fee was deducted because I used a non BB & T ATM.

First of all I have a BIG problem with this!! I go to work EVERYDAY and I have the money which I work hard for place into my checking account from my employer. This money comes from the XXXX  XXXX  for which I work, NOT FROM BB & T!! I was appalled to hear this. This is robbery at it's best!! I have inquired numerous times about this and no higher up has called to explain why or to tell me that money will be refunded. If a person uses XXXX XXXX or XXXX XXXX, yes I understand that there will be fees, but not for a non surcharge ATM. 
I will be very vocal about this and closing my accounts. XXXX XXXX  XXXX a wonderful customer service institution has my vote. Perhaps BB & T or XXXX  can take a hint from true banking ... they aren't being truthful I can tell you that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Square Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Square , inc owes me {$1000.00} and they refuse to return my funds back to as of XX/XX/2021. I've verified my identity to them and they currently havey account restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16
Company: Receivables Performance Management, LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a timeframe for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : RECEIVABLES PERFORMANCE Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Experian Information Solutions Inc.
State: MO
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: Didn't receive services that were advertised

Complaint:
I took out 2 loans through XXXX XXXX XXXX in MO in XXXX of XXXX and XX/XX/XXXX. Which the bank didn't report to the credit bureaus. We sent the payment schedule and complete payoffs, that the bank sent to me, requesting that my credit score be adjusted accordingly. 

Experian stated that the dispute over not adjusting my credit history and score, couldn't be done because they couldn't verify the information that the bank sent me, and I forwarded to all 3 bureaus. This information was sent to me by the bank and was on their letterhead. I haven't heard from the other 2 bureaus as of today. 

All I'm trying to do is get the information added to my account so that I can go forward in reestablishing my credit history. And as of now I have no credit scores.

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 2019-12-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Unable to get the payoff amount in writing and tile after payoff. The loan company is trying to fill a gap claim on the car after the insurance company reported that the damage to the car is not a total loss.

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 2017-05-31
Company: Experian Information Solutions Inc.
State: NM
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:
XXXX  and Experian are not responding to my requests to investigate and rem ove one  account from my credit report that does not belong 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 2018-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
When trying to use a finance management app, specifically XXXX, it says capitol one is blocking external access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: CURO Intermediate Holdings
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have an account with speedy cash - It is an opened XXXX loan with daily interest. I have been paying on it the XXXX and the XXXX every month. Even while out on XXXX leave- I recently was unable to pay and was sent to collections. 
I assumed that the since I was not paying on it and it was in collections that I would no longer be charged interest. That is not the case - I contacted them today to see about a payment plan and was told that I am still being charged interest daily- I advised that this was unfair- they misunderstood me and thought I was requesting the interest to be suspended until I returned from XXXX leave. I advsied that I was requesting it to be suspended idefenltily. Why continue to charge interest if you are not receiving a payment- You are going to cause me to owe double. In fact they stated that too - trying to scare me into making a payment. 
I can understand charging interest on a good account, but when a consumer has contacted you and told you there situation they should try to work with you in some way - They are not even trying to work with me at all - Again kept saying XX/XX/XXXX - I advised that i can make a payment before then but needed to have the interest removed. The loan is past due why continue to charge interest on a loan? Why not just close the loan and get a payment plan on it that benefits you and the consumer?? They are not willing to work with me at all other than to take a payment to day and suspend the interest for 30 days - Thats not helpful- They also did not read me the rights of fair debit collection disclaimer. The seemed abusive and abrasive. No matter how I tried to work with them they were not willing to bend. 
XXXX loans are tricky and yes I understand daily interest. But I cant get a loan with them now becasue Im in collections there for the contract should be void and other rules should apply. At least try to work with your consumer. If they would work with me they would get there money back sooner and I wouldnt owe double

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i recently pulled by credit report and notices credit inquires that i do not recognize, unauthorized and NOT mine. i must have been the victim in a cyber hack or identity theft.

these non-account holding inquires with : XXXX XXXX card, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX- XXXX XXXX-XXXX XXXX XXXX. Are NOT mine, i do not recognize and did not authorized. these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.

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 2017-04-14
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Hello i have tried many avenues with dealing with Navient so im trying this as another way in case contacting Navient by mail and Credit Bureau by mail and online disbute doesnt work. I spoke with a Navient representative on XX/XX/XXXX explained my financial issues. He told me i was n't eligible for forbearance nor deferment but i could do something similiar which is income based and i needed to send in my info. I explained i would n't be able to send tax info til i file. I was told my loans would be made current and i had a grace period til XX/XX/XXXX before getting documents in starting payments again. On XX/XX/XXXX I recieved an alert saying a change occurred on my report, Navient had reported late dates for XX/XX/XXXX abd XX/XX/XXXX to XXXX dropping my score with them down to XXXX pts. I called Navient explaining my account was on hold and made current she reported seeing this on her computer and said she would put in a dispute that could take up to 90 days. So i told her within seconds it them to lower my credut score, it will take them 90 days to figure out if they will do anything about it, sge said yes. This drop was catastrophic to me since i have to help my son with his school loans also. So i decided to call XXXX and dispute with them they said it will take 30 days. I sent a letter to Navient then on XX/XX/XXXX i received a alert that my score went up but within an a few hours another alert occurred saying Navient reported the same late dates for XX/XX/XXXX and XX/XX/XXXX but on XXXX which dropped my scores with them another XXXX points. Im so overwhelmed with how these people are destroying peoples livelihood. Im not sure why they would report late dates for XX/XX/XXXX, right now, and did n't before and if im in good standing now why report late date for this year. I truly need assistance with this issue. Im trying to do better with my student loans but they are making it very hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Acct # : XXXX n accordance with the Fair Credit Reporting act XXXX  Account # 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

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