BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This is regarding closed complaint XXXX. The statement given by Bank of America that this check was cashed at XXXX XXXX XXXX is totally untrue. I still have this check in my possession because I could not cash it at XXXX XXXX XXXX because XXXX XXXX 's name was not on the XXXX XXXX XXXX Account. I have informed Bank of America of that untrue statement and also stated at this point I want interest on my Money they have bee holding for over four months. I also informed them defamation of my character is not acceptable.

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 2016-05-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have two accounts that have been readied after being deleted TWICE from credit report and I have attached proof. 
1. XXXX XXXX # XXXX, this account was deleted on XXXX XXXX, 2016. This is not my account. 
2. XXXX # XXXX, I have attached XXXX for that debt as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30
Company: The CMI Group, Inc.
State: WA
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:
A collections agency, CMI-Credit Management LP, is trying to collect for a bill I do not recognize. They purchased this from XXXX after I closed an Internet service account. XXXX claims I had a cable modem that was theirs. 

This is false. Prior to XXXX 's acquisition of XXXX XXXX, I purchased my own modem to receive an upgraded XXXX service ( and avoid modem rental fee ). Upon the acquisition, I some how ended up in their system as a modem/router rental account. I had to dispute, on a couple of occasions, a " Wifi service fee '' that XXXX never provided ( I owned both the modem and router ). My guess is I was still marked as owning equipment in their accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-09
Company: The CMI Group, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
There is a $ XXXX {$920.00} XXXX XXXX Alabama charge originating in 2014 on my report. My account with XXXX has been cleared, I discussed and confirmed with them today at XXXX. This is fraud, and the Credit Mamagement ( their spelling on my credit report ) Company has been flagged and reported as a fraudulent debt collector. I do n't have any supporting documents because a legitimate account for this dispute has never existed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I previously notified your company that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I filed my original Identity Theft Report with the Federal Trade Commission on XX/XX/2021, report # XXXX. As well, I filed a complaint with the Consumer and sent the same information to XXXX, XXXX and Transunion. 

I recently pulled a copy of my credit report on XX/XX/2021, and found that XXXX XXXX XXXX XXXX is still reporting this fraudulent information to my XXXX and Transunion Credit Report. I have enclosed a copy of the new FTC Identity Theft Report, Report # XXXX, filed on XX/XX/2021. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to the CRAs.

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 2022-01-01
Company: Center Street Finance, LP dba CSF Servicing
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dates associated with item being disputed : Last date verified XX/XX/XXXX o Explanation of item being disputed : o The high balance for XXXX is showing {$14000.00} while XXXX is showing a high balance of {$10000.00}. 
o The date of last payment on my report is showing XX/XX/XXXX on XXXX and XX/XX/XXXX for XXXX. 
o The Date of last activity is showing XXXX/XXXX/XXXX for XXXX and XX/XX/XXXX on XXXX. This clearly is showing that these companies are falsely and recklessly reporting inaccurate information as this date is the date used to age the account and is used to determine when the 7 year reporting period will end. This is unfair as there could be extra years added onto this particular account that is reporting on my report. 
Ive repeatedly reached out to XXXX, XXXX and the Company named Center Street Finance with no response on this debt about the validity and errors they continue to report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax has the wrong date of first delinquency. I missed my first payment with XXXX in XX/XX/2008. This makes the account 7 years old and no longer reportable. I am attaching the account record from XXXX, and a report pulled from a mortgage company as proof of the correct date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I went to withdraw money for my XXXX told father from Capital one bank, located at XXXX and XXXX XXXX XXXX XXXX NY XXXX. I have power of attorney which was filed with this same branch office. I have been going in for a year making monthly withdrawals with no problems. Lat month I went in to make a withdrawal and the teller named XXXX said I was not on the account and said I couldnt withdraw funds. I told her I was POA and that I have been coming in for a year. I said the POA was submitted to this branch and I even told them where it was kept ( it the file cabinets ) After 4o minutes I made thewithdrawal and left. Today, XXXX XXXX, 2016 I went in and XXXX was there again. I gave her the withdrawal slip and she said that I was not on the account. I said I was POA and that we went through this last month. SHe said that I may be POA but that I am not on the account. This is complete nonsense. Even though she physically had the POA in her hand last month, I gave her my drivers license, she then asked for my social security number in front of other customers. Why am I being asked for my social security number, and in a non secure area I must add. I wrote it down and gave it to her. She then performed the transaction. I went to the desk of a blonde woman by the bank officers and told her what happened. She brought up my account on her computer screen and it clearly had my name listed on the account as POA. She admitted there should not have been a problem. XXXX did this to me because of what occurred teh previous month. Her behavior was unprofessional and was an act of spiteful and vindictive harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Issue: Other

Complaint:
I was turned down for a venture credit card from Capital One credits cards. They sent a letter stating the reason for my denial was the length of my credit history as shown by XXXX. However, I have been borrowing for over thirty years now, and when I called XXXX to ask them about the problem they stated that they have no record of Capital One even making an inquiry against my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: Credit Card Acquisitions Group
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company has failed to provide me with a debt ( right to dispute ).. They are saying they did but the address they are advising they used, which i am not associated with. I have documentation after documents to prove this .... I want to know who the original credit is because if it has been within the last 5 years then there is no reason, they should have the wrong address. Also, I do not have in lingering debt to my knowledge so this seems to be fraudulent. Again, they are going against my consumer rights. 

This needs to be removed. My next step will be filing a small claim because yet again, I did not receive a right to disputer- which I am entitled too. 

Secondly, this company has failed in all communications to do the right thing. 

All I am asking is give me the proper legal way to review this account and to actually KNOW what it is. Legally- that is my right and my right to dispute it if I have no knowledge. You can not just add a collection to a consumer 's credit report. 


Please remove this from my report, allow me time to review and dispute if needed. If this debt is actually mines and this is not a fraud Then we can deal with options, however this needs to be done the correct legal way. 

Please again remove this from my account- provide the original creditor the date it was open- as stated if within the last 5 years there is no reason you should have an incorrect address that i am not associated with. Please also provide proof the debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: SC
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:
Improper inquiries that I didn't authorize XXXXXXXX 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 XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-01-20
Company: TMX Finance LLC
State: GA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I got a loan from a Payday Place in XXXX GA. When I took the loan out 3 mos ago they told me that it was an installment loan and i agreed i didnt have to put any of my stuff up the man behind the counter told me he already took care of that. I asked him and he showed me a paper of many items on a list I told him that I dont own any of that and he told me dont worry that he makes up paper work all the time so he told me my 1 st payment will be around {$70.00} dollars because I am on SSI check I get once a month. I get {$680.00} to live on a month for myself and my younger son. I went into pay my 1st payment and since i was 1 day early I had to pay a fee of {$110.00} that upset me I asked the lady where that man was that took my loan app. And she said that he is not with the company anymore so they moved me from a installment loan to a 30 payday loan i could not pay {$700.00} back to them so the lady told me that she will keep my payments low. On XXXX XXXX XXXX I called Insta Loan in XXXX Ga, and told them that I am sending a friend in to pay my payment of {$70.00} i told them i was sending a little extra of {$80.00} dollars The lady was very very rude to me she said that since i was paying early that i had to pay {$90.00} and if I didnt pay that it will cost me each day of being late {$35.00} dollars. They have called me everyday for 10 days now and told me that I have no rights. They called me day and night and even on there own cellphones. I called then yesterday XXXX XXXX XXXX and the lady at Insta Loan told me that if I did have {$200.00} To her I will be in jail she was so rude to me My XXXX are falling apart ehat can I do. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Address XXXX XXXX XXXX XXXX XXXX on my personal information I never lives at that address before and I would like to remove it from my information thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
On XXXX Capital One accounts with XXXX and XXXX I did not receive a validation letter or any correspondence regarding the accounts. They did not offer a settlement letter or any proof that they had any authority to file any lawsuits. When doing research online the law firm has posted information that they do not like to send out letters since it is not cost effective to do so and opens them up to possible FDCPA violations and litigations. There were XXXX accounts in question so that makes XXXX separate complaints for their violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received an e-mail from Citibank on XX/XX/2021, that indicated : Your Citi account ( s ) will automatically close within 60 days Hi, XXXX. We periodically review customer accounts and assess account activity. Based on a recent review of your Access Account account, we found that you have violated the terms of your account per the client manual. I called Citibank on XX/XX/2021, and asked why my account was closed. The Citibank account supervisor from the Client Relation Unit indicated XXXX XXXX said the personal check deposited into my Citibank checking account was reported as a stolen check and Im a XXXX XXXX. I then called XXXX XXXX. XXXX XXXX indicated Citibanks position is incorrect. XXXX XXXX confirmed they honored the check ; I have sufficient funds ; the check is not stolen ; my checking account ending in XXXX is open and in good standing. I then conferenced call XXXX XXXX and Citibank at the same time. Citibank said they would research further and if my personal check is good and not stolen, they will NOT close my account. XXXX XXXX will mail me an account verification letter on their letterhead proving my account is open with sufficient funds. I am very upset with Citibank closing my checking account due to no fault of my own during a deadly pandemic when I need access to my money. I plan on retaining a consumer law attorney to file suit against Citibank. I look forward to arbitrating this matter. Criminal and civil claims will be pursued.

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 2016-03-30
Company: PRESTIGE FINANCIAL SERVICES INC
State: VA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I agreed to have an ach payment from my checking account on XX/XX/XXXX and they drafted the payment on XX/XX/XXXX which caused my account to become negative i sent screenshots to them and they said they would take care of it, I adviced them because of there mistake and the ripple effect of other bills taken out of the same account that i needed sometime to get my affairs back in order. They harrassed me about the payment and asked have i ever made a mistake. I then emailed them a Cease and Desist as I would be contacting a lawyer for advice. They are still calling, texting and emailing me still.I have voicemails and emails if needed

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 2015-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card
Issue: Other fee

Complaint:
I applied for a Capital One Quicksilver card on XXXX XXXX, 2015. I read through the terms presented on the webpage before filling out the application. The terms as presented on the webpage stated that there was no membership fee for the card. I received the card and activated it and was surprised to see a membership fee on the listed charges for the card when I set up an online account. I called to question the fee and was told that it was a term for my account. I went to double-check this and saw that the terms listed on my card did list a {$39.00} membership fee which was contrary to the terms presented to me when I signed up for the card. I faxed Capital One on XXXX XXXX, 2015 a letter letting them know that the terms presented to me when I signed up for the card did not state a membership fee and that was the card I thought I had signed up for. I included a print-out of the page I had read with the term listed of no membership fee. I received a response on XXXX XXXX, 2015 in the form of a letter from Capital One stating that they would not waive the membership fee. I called to follow up and was told that there are more than XXXX 'Capital One Quicksilver ' cards, a Quicksilver and a Quicksilver One and that I had applied for the one without the fee but qualified for the one with the fee. I am a very upset that I was misled in this manner by this type of bait-and-switch of XXXX cards with similar names. If Capital One wants to charge a membership fee they need to make it clear in the terms presented when you sign up for the card not just have it appear in the terms that appear once you have already gone through the process of applying for the card. This is a misrepresentation and/or fraudulent conduct as presented to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
CapitalOne will not refund {$1100.00} credit balance due to me. They say it 's " in the mail '', but they never send it. It has been over 6 months and the issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: New Century Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XX/XX/XXXX the debt collection agency Century Financial Services through their law firm XXXX XXXX XXXX obtained a judgment against me for credit card debt I defaulted on. Since then and at least on four occasion they offered me settlements that I never answered to. On XXXX XXXX, XXXX then sent me an information subpoena that I answered to because they were saying that I might be arrested if I did not reply. Later on after they got my answer they called me on my cell telling me that they did not have XXXX but XXXX judgments for a total of more than XXXX. To avoid to get myself in trouble I told them that I did not know what they were talking about and ask them to send me all information by mail. Rather than sending me the requested information on XXXX/XXXX/XXXX they notified me that they were applying for a wage execution order at the XXXX, XXXX County Court. 
The reason of my complaint is that I know Century Financial Services buys defaulted accounts from credit card companies in bulk for pennies to the dollar, then inflates the debts with various service charges before attempting collection from people like me. 
I do not understand why Century Financial and XXXX XXXX XXXX engage in such activities while your organization has ordered them to stop on XX/XX/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 2022-01-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I've had a credit card for years with Bank of America. In XX/XX/XXXX I paid off my balance and because I had it on auto pay, it continued to pay and I ended up with a credit balance. They notified me repeatedly since they didn't want the credit balance so I turned off the auto payment and they sent me a check. 

Then in XX/XX/XXXX I did another balance transfer. I forgot I had turned off the auto payment so I received a late fee on XX/XX/XXXX. I get it, it was my mistake so paying the fee was fine. Then on XX/XX/XXXX, I received a fee for " minimum interest charge '' even though I wasn't supposed to be paying interest due to the balance transfer at 0 %. 

I didn't notice the fee in the beginning but called in XXXX when I noticed they had charged me a fee each subsequent month. I talked to somebody to ask why I was being charged this fee. They said because I had the late fee in XXXX, it will continue to charge this every month. My understanding is they aren't supposed to charge interest on fees so I'm confused how they are justifying this to begin with. They said they would refund the fees ( they just refunded one as far as I can tell ). When I asked what I could do in order to get this fixed so I wasn't charged this fee monthly, they told me they couldn't do anything to fix it but I could call every month and request a refund. Seriously?? I was very upset at this point due to their unreasonable response and believe I even talked to a supervisor. Asking customers to take the time to call each month to request a statement fix for {$1.00} is craziness. It's their error. I realize it's only {$1.00} but it's wrong and they could be doing this with a million customers each month. 

They have continued to charge this fee every month as they can see on my statements. I obviously just need to pay it off but want to bring awareness to this predatory fee practice. This definitely violates UDAAP and am surprised this is happening at such a large financial institution. 

I look forward to hearing the resolution on this matter and hope there can be further investigation as to how many customers are being charged fees inappropriately.

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