BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-18
Company: Resurgent Capital Services L.P.
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 never had an account with this collector/creditor. I tried to contact them several times and ask for proof of ownership but they failed to send me necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
XX/XX/2021 about {$5000.00} was stolen from me from my bank account with Bank of America claim # XXXX I noticed over 25 unauthorized transactions in different amounts on XX/XX/2021 I contacted the bank and the stated that they will do an investigation I provided documents showing the fraudulent activity I also got a police report done which I sent to Bank of America to this day I never received my money back they only closed out my old card ending in XXXX and gave me a new card ending in 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 2021-10-18
Company: I.C. System, 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 never had an account with this collector/creditor. I tried to contact them several times and ask for proof of ownership but they failed to send me necessary documentation to prove that I really own this account.

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 2017-08-14
Company: CITIBANK, N.A.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
From XXXX 2014, without notification, Citibank started charging me {$25.00} bank fee per month on my checking account. According to laws and regulations, a bank should give a customer a written notification 30 days before the bank increases fees or changes terms. I did n't receive written notification from Citibank regarding this fee increment. I contacted Citibank several times for a copy of the written notification if they sent me one, but they could n't provide to me. I file this complaint to request a copy of the written notification, the date and address that the notification was mailed, and any evidence showing the written notification was delivered 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 2021-10-17
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The account was closed and the equipment was returned via USPS to the equipment return center. We have continually contacted XXXX XXXX XXXX XXXX XXXX to let them the equipment was returned. This charge isn't authorized or 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 2021-10-17
Company: Netspend Corporation
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Received a letter and a debit card from " Netspend All-Access by XXXX XXXX  '' address XXXX XXXX XXXX XXXX TX XXXX. This was an account I did not request or apply for. The letter indicated that I had an account opened including a real debit card needing activation, a routing number, and an account number. There were also instructions for direct deposit. I was highly worried my identity had been stolen. 
I finally got through to the company and was informed this was a promotional card and account and that I did not need to open it. This was extremely misleading on the documents which included a large packet of account info ( things I have typically received from actual banks I have actually opened accounts with ). I informed them of the problem of the misleading documents and the fact this looked as though my identity had be stolen. There was not much they could do as this is clearing an issue with fraudulent marketing.

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 2021-10-18
Company: Lewis, McDonnell & Associates
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I asked for debt validation, they refused. Inaccurately reporting on credit bureaus for a debt that is not mine. This was removed years ago due to identity theft from another collection agency trying to collect this as well. This company is a a junk debt collector and they are inaccurately reporting and will not provide any validation proof. They are also making threatening and harassing phone calls to me, my family and employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Genesis FS Card Services, Inc.
State: FL
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:
Hello CFPB, I am submitting a claim regarding some violations with some Debt Collection Agencies that have impacted my Consumer File greatly, these fraudulent actions have made it impossible for me to obtain credit to purchase a home. 

I would like to file a complaint on CB Indigo Account # XXXX in the amount of a {$300.00} Credit Limit account is showing on my consumer file as delinquent. 

I recently reviewed my consumer file and currently educating myself on my Consumer rights and violations and noticed my rights have been violated, I have received numerous of letters as well as unauthorized calls and scare tactics advising I could be sent to a collection agency and according to 15 USC 1692 ( c ) Communication in connection with debt collection. My rights were violated by not receiving my prior consent given directly to this debt collector nor the express permission of a court of competent jurisdiction, a debt collector may not communicate with me the consumer in connection with the collection of any debt. I did not give my express consent and my rights have been violated. I have screenshots and letters along with the Company 's logo showing communication which I will provide in 15 USC1692 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: SUNTRUST BANKS, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Unfair business practices should not continue upon hard working US citizens.
In my case, and I am sure MIllions of others, has experienced this type of travesty from banks of excessive overdraft fees in one day.
My question is ; how is it determined what transactions are posted first and the amounts?
As well as how transactions are posted is determined, I should not get a fee as a result, as this is again, OUT OF MY CONTROL?
All least transactions should be posted within the available balance and overdraft fees assessed there after on items over {$100.00}.
As a small business owner and single mother, I can not afford the avalanche of overdraft fees that caused major destruction on my account that has caused me to be delayed in paying my mortgage and condo fees.
This is a travesty and should not happen to any one else, for example ; a {$38.00} fee for {$2.00} cent charge.
Due to my long outstanding loyalty and relationship with Suntrust Bank ; I deserve to have all overdraft fees waived as Im not in control on how the banks process payments and when the merchants collect their money and according to my records at various times between the XXXX-XXXX there were credits to my account that would have covered the posted charges.
I should not be charged with these excessive fees of over {$400.00} due to posted debits and credits timeframes out of my control.
As a loyal client the bank should make sure my account is protected, and if charges are to be assessed they should be minimal.

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 2017-08-14
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I filled out an application in the store offering the credit card ( Sam '' s Club ). They said it was under my husband 's name but was denied. This took place on XXXX XXXX XXXX. I then submitted my information and they said I was denied ( the clerk had called the bank and I spoke with them directly and they said they could not tell me the reason over the phone that I would get a letter in the mail explaining the reason. My husband then received a letter from the bank along with a credit card! They had reversed some numbers in his social security number. I called them again to inquire as to why I was denied and the assured me I would have a letter from them by XXXX XXXX XXXX.  Today is the XXXX and I got no letter in the mail today. I called again today and they said they could not tell me why I was denied and they have no idea if a letter was sent to me or not ; said they must have the wrong address or said it must have been lost in the mail. I assured them that the address was correct as they had sent a letter to my husband. I asked if they frequently discriminated against women as my husband received a letter and a credit card 3 weeks ago. I then asked for a supervisor and told her my concerns and asked for the name and address of the government agency to contact. They girl I spoke to before getting the supervisor told me I would have to look up the information on line which is a clear violation because they are supposed to provide it to me. I want to know why I was denied. I have excellent credit and have been waiting to get this issue resolved before applying for a reverse mortgage that my husband and I want to take out. I can not do this with this issue hanging over my head.

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 2017-08-14
Company: Louisiana Recovery Services Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX dollars from lsu billing XXXX 2016 don, t remember date

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 2021-10-18
Company: Bonneville Billing and Collections
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: Information belongs to someone else

Complaint:
I have had numerous things put on my credit in past years such as Texas attorney general for XXXX children  that arent mine. Auto loans and credit accounts that were not mine either in the past. The credit agencies had the year wrong on my birthdate up til last year which they changed for me. This past Saturday I checked my XXXX XXXX  app I was looking to trade in my vehicle for a new one. I was pre approved with my credit above 640 Saturday morning XX/XX/2021. When I went to purchase I told sales person I was pre approved with a few companies the dealership contacted the banks and now they wont give me credit. My credit fell almost 200 points in 2 hours? The reporting company XXXX XXXX Im not sure who that is since they told me it was XXXX XXXX well they show an XXXX and XXXX paid but hadnt paid XXXX yet due on the XXXX. I am 6 days late and credit fell almost 200 points. Also when I purchase the vehicle I have now when I signed the contract what I signed isnt what I was getting for finance rate its much higher so I wanted to get out of that vehicle and start a new contract with new vehicle. The fraud now on my credit I cant do anything. Someone is manipulating my credit as they please and it also shows 41 hard inquiries that I didnt make I get pre approved and have only used my credit a couple times ever. No judgements dont have bankruptcy nothing. My drivers license was stolen about 2 months ago which I reported to XXXX county sheriff dept. also my XXXX XXXX app shows now that my credit dropped 16 days ago thats not true it dropped on Saturday the XXXX of XX/XX/2021. Also have a collections that was removed and now has reappeared that is not mine. Thats over XXXX dollars. I hope this is enough information. My email is XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax has continued to report an inaccurate bankruptcy on my report, and claims to have verified it with XXXX XXXX and the XXXX County Federal Courts. I contacted the courts and they responded with a letter stating that they do not report to 3rd party agencies nor do they give out any information from the courts on the phone. I also contacted XXXX XXXX because I had a security freeze placed on my file on XXXX XXXX, 2017 due to identity theft. XXXX XXXX advised me that they can not release information to 3rd parties without my written consent. Obviously, Equifax has failed to reinvestigate my disputes. The Federal Court and XXXX XXXX are not the method of verification. Remove immediately! I will start legal action if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Back in XX/XX/XXXXmy husband and I were struggling financially and our house was severely upside down, we filed for a home remodification. We were given a remodification and signed on XX/XX/XXXX. In XXXX of XXXX, my husband and I began divorce proceedings. In XX/XX/XXXX the divorce was final. Per the divorce decree, I was awarded the house and my ex signed off on the house and he was to immediately begin financial payments since he ignored the judges multiple other requests to send alimony and child support. He disappeared and I never received any support of any kind. I fell into a severe hardship. I was behind multiple payments. In XX/XX/XXXX, I contacted the mortgage company and asked them what I needed to do to reinstate my loan and modification. I exressed that I did not want to lose the house and I needed help. I explained that without the modification back in place I would not be able to keep the house as it is so severely upside down without the modification. I worked with a case specialist who gave me instructions on how to reinstate the loan and modification. I work incredibly hard and came up with the money, purchased money orders and sent it overnight delivery. I worked very hard to come back from that devastating hardship. In XX/XX/XXXX I received a XXXX for the full waived amount of the remodification. I claimed this on my tax return. I was under the impression that after requesting help and following what the mortgage company had indicated that everything was ok. Sometime in early XX/XX/XXXXmy ex changed the mailing address with the mortgage company and I stopped receiveng any correspondence. I found out he did this at the end of XXXX. It is now XX/XX/XXXX, I decided that I need to sell the house and move where there are better job opportunities for me to support my XXXX children as I still to this day have never received any financial support from my ex. I found a realtor and the house went up for sale. Someone made an offer and the sale began. A payoff was requested from the mortgage company. There was a massive discrepancy between what I said the payoff is and what the mortgage company is reporting. When looking into this they have basically told me they can do this because they put it in the contract that way. They said it was my tough luck. I worked very hard to reinstate my loan and modification, had that not been an option I would have had to let the house go as it is still upside down. This is unfair that the mortgage company can trick its customers this way. They are robbing me and saying it is my fualt because it was in the fine print for them to do this. This is wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I paid XXXX for XXXX  XXXX but couldnt have XXXX because XXXX  said my XXXX was not strong enough so the owner agreed to a refund and we both signed a settlement agreement with dates agreeing to pay me that they did not pay me on then I received a email with new dates stating I would receive the money then and I didnt so I put in a dispute with my bank I did everything Chime asked me to do I wrote a essay I submitted a receipt I submitted conversations between me and the owner in Chime denied my dispute and when I asked them to explain to me why they cant even explain to me why my dispute was denied I really need help with getting my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Medical Business Bureau
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
For several months now debt collection agencies have been trying to get me to pay a medical bill that is not mine. They are trying to get me to pay a bill from XXXX XXXX XXXX where I have never been seen or treated. My oldest daughter that is XXXX was treated there and some how the hospital has my information and has given this out to all the debt collecting agencies. I have told them numerous times that this is not my bill, I have never been to nor have ever been treated there and to remove me from the accounts. They say they will then one week later they are sending me texts and calls. I pay my bills. I flat out refuse to pay a bill for someone else. I am not responsible for anyone 's debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I transferred {$1100.00} from XXXX XXXX to Capital One. That cleared & posted in my Capital One savings account on XX/XX/XXXX ( tracing id # XXXX XXXX XXXX XXXX XXXX ). I shut down my wells fargo account on the XXXX because the transaction had posted & was complete, therefore my account was finally {$0.00}. They wouldn't close my account until it was totally all over at Capital One. My {$1100.00} posted in Capital One on the XXXX - then on the XXXX they somehow, for some reason, reversed my entire checking account- they undid the transfer- but my XXXX account didn't exist anymore so there was nowhere else to 'return it to ', so now my checking account money is missing in cyberspace. I've spent hours on the phone with them, XXXX at them, dm-ing them, etc. for days & they haven't undone the reversal. So I'll be at least a week in XXXX with {$0.00} in my checking account- they won't even front me my own money back as they 'investigate '. They told me today that 'we 'll mail you a letter in 5-8 business days about the progress ' .... nor will they even reimburse me with any sort of token of apology for their blatant mess up. My rent is due in a handful of business days & they won't fix their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax is reporting this closed account fraudulently, XXXX XXXX, as 60 day Late 9 months after the account was closed with a XXXX  balance. Now its being reported as a CHARGE OFF account. XXXX XXXX  XXXX, this account was closed at my request and paid in full & never late and CLOSED in XX/XX/XXXX. A debt validation letter was sent on XX/XX/XXXX I received a letter back from XXXX XXXX that they were going to remove this account from my credit file which has not occurred. They have continued to fraudulently and inaccurately report this account on all three credit reporting companies. Please see the attached documents for proof of this. 

Ive also included my bank statement for to prove that payments were made to them in XXXX and XXXX of XXXX. They are reporting this account as of today as a CHARGED OFF account. 

Ive attached my bank statements for XX/XX/XXXX and XX/XX/XXXX Ive attached examples of them reporting this account fraudulently numerous times when the account was closed and had a XXXX balance. 

Ive attached the debt validation letter that was sent to them. 

Ive attached the two letters they sent back to me stating they would remove this from all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
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: Information belongs to someone else

Complaint:
On, XX/XX/XXXX, I mailed Transunion, XXXX, and XXXX a letter stating that the names, address, and place of employment showing on my credit file are not those of mine. They sent letters back stating that the FCRA states i am obligated to provide them proof of my social security card and Driver license to prove the information does n't belong to. I have sent this on several occasions including with the most recent letter on XX/XX/XXXX demanding the remove inaccurate address, and names and employers as they are making me susceptible to Identify theft.

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