BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Each year, I request my free credit report from each of the XXXX Credit Bureaus. I do this on-line. XXXX XXXX and XXXX are very responsive. However, EVERY year Equifax has some " excuse '' for not being able to produce my credit report. This year ( XX/XX/XXXX ), after getting my request, they referred me to their customer support phone line. This service is automated and did nothing more than refer me back to their web site, which had already failed. 
I submitted a similar complaint last year and a printed copy of my report " magically '' appeared in the mail a couple of weeks later. The last time that I successfully got a credit report on line from Equifax was XXXX. They need to clean up their on-line responsiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Complaint XXXXXXXX XXXX XXXX XXXX. 
Corporate Head Office XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, New Jersey XXXX XXXX  Dear sir/madam, I am writing to make a complaint against the above mentioned bank regarding an excessive numbers of fees applied to the following XXXX accounts : XXXX  Checking Account # XXXX XXXX  Money Market Account # XXXX XXXX  I have spent reasonable efforts to have XXXX bank rebate the numerous and excessive fees applied to the above XXXX mentioned accounts. 

The bank, however, refused to refund the numerous fees that have been applied for the life of the XXXX accounts. 


I can't afford to lose all the fees that the bank is charging me. I would like to habe these fees reversed and rebated to my XXXX accounts. 


Thank you for your kind assistance and look forward to hearing from you. 


Respectfully, XXXX XXXX : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am getting repeated calls from american express ( XXXX ) asking for a XXXX XXXX whose card ends in XXXX, and the call continues to say he owes XXXX dollars. 

Last week I held on and finally spoken with the operator. I told the operator I am not the person they were looking for. I was told the calls would stop. They did not. 

The calls are coming to my cell phone XXXX, or they may be transfered from my home phone XXXX. 

This call comes every few hours .... 

Getting very tired of this. I want this to end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-12
Company: Big Picture Loans, LLC
State: MN
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took out a loan with Big Picture Loans ' office located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. The loan was for {$400.00} with an interest rate of about 40 %. So I would owe about {$560.00} in the end. I believed to have pay off the loan, but 3 years later they are now contacting me, stating I owe approximately {$2000.00}. I have contacted them and they stated they contacted me via mail. I never received letters and they never contacted me via phone, which was how they contacted me originally. They sent the case to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX USA. I was told I paid off the original balance and only had fees remaining. I paid {$350.00} to cover any fees i should have accumulated. but they claim i still owe over {$500.00}. This is unreasonable. I was not warned of these fees, and they made no effort to contact me. I wish to complain about their service and business ethics.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Citizens Bank put a hold on funds deposited for a check that was deposited at an ATM on Saturday night, XXXX until Tuesday, XXXX. The check cleared the payer 's bank on Tuesday, XXXX, but Citizens Bank continued to hold the funds. The check was for less than {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Early Warning Services, LLC
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 was involved in a class action suit with XXXX XXXX  XXXX because of fees and their reporting inaccuracies on my consumer reports such as XXXX and early warning. I received XXXX checks in the mail for all three accounts, however, only XXXX were removed from XXXX, and Early Warning as I have previously disputed the inaccuracies with them in the past. They are still reporting the third account and it is affecting my ability to open a new bank account. I was instructed to contact XXXX and Early Warning as they are the reporting agencies still reporting this inaccurate information. The account below is still reporting inaccurate and I am asking for them to please remove it. 

XXXX XXXX XXXX  Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting Act, the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name U.S Bankruptcy Court Account # XXXX has violated my rights. 15 USC 1681 Section 602.A states that I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states ; No consumer reporting agency may make any consumer report containing any of the following items of information, ay other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years. 15 USC 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 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 2017-03-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I spoke with the bank Representative around XX/XX/2017 to request a payout information for my HELOC ( Home Equity Line of Credit ). The bank representative never disclosed to me about any fees whatsoever. A few days after that I notice a {$25.00} fee assessed by the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-11
Company: ERC
State: MA
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:
ERC, XXXX XXXX XXXX, XXXX, XXXX is trying to collect a debt never owed, claiming it was to XXXX. My XXXX account is paid in full and has been. The account numbers do not match, but they threaten to assume it is a valid debt if I do not contact them in 30 days. They are scamming me and I want it stopped, I also do not want my credit impaired by them, and I would like full charges pressed against this company.

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 2022-11-11
Company: Coinbase, Inc.
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I closed my COINBASE account XXXX/XXXX/2022. It was not disclosed to me that I would also be closing my COINBASE XXXX  account. I was also never prompted to withdraw the $ XXXX USD in my COINBASE XXXX account. The company closed my COINBASE XXXX account and pocketed this money. They are now feigning ignorance so that they can keep the money, despite multiple attempts to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TD BANK US HOLDING COMPANY
State: NY
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 have TD bank visa card. I have my card on auto-payment with TD bank. They charged me late fee of {$35.00} in XXXX and XXXX. I called them on XX/XX/2022 and they told me that your auto-payment was rejected due to insufficient funds. I told them that its only {$35.00} and I have more balance in my account than this amount and told them that I have bank statements. They checked and told me that they will reverse the charge as it is the mistake of TD bank, and this month same problem happens with multiple customers. Then I checked that same problem happened in XXXX and they charged me {$35.00}. I called them again that kindly adjust this {$35.00} of XXXX as well. So, I explained the whole story to new customer service representative, and she just kept telling me : it is due to insufficient funds and refuse to listen to me further and just drop the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: ERC
State: CO
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:
I was with XXXX for about two months, they did n't supply service/towers in my neighbourhood, never had reception, towers were always out of service. I called daily on landline to get service on my non working phone, their answer was that it was the phone, not the towers, reset my phone multiple times did not help. They did not fulfill/breached their end of the contract, I moved service because they could not supply me service. I paid the two months I was with them and returned the phone.

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 2016-08-02
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been getting monthly automated calls from " ERC '' asking me to contact them about a debt at this number:XXXX with reference number : XXXX. In the past when I answered the phone call with a human voice on the other end, they would ask for an individual I have never heard of and would ask that they not call again, I have since stopped answering the call and now get a the robotic voice mail. I need this repeated calling to cease as this is not my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-11-11
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have a Home Equity Line of Credit managed by XXXX XXXX XXXX. In XXXX, I noticed my monthly payment scheduled for XX/XX/XXXX was not automatically withdrawn. I have a 15 days grace period and my payment was due on XX/XX/XXXX. On XX/XX/XXXX, I called XXXX XXXX XXXX. I talked to a representative who took my payment online. Unfortunately, I later learned that this representative incorrectly applied my payment to the principal instead of taking it for my monthly payment which made my account delinquent. In XXXX, I called XXXX XXXX XXXX and was told the mistake was on their end and they would fix it and let the credit reports now that my account was not late. In XXXX, this was still not done and I was told the same thing again. I called today and apparently this is still not fixed. My account on XXXX still shows a late payment of 30 days. This is impacting my credit score and the company has taken more than 60 days since I first notified them of the issue. Every representative I talked to has always told me XXXX was at fault and that would be fixed but nothing happens.

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 2021-07-26
Company: EQUIFAX, INC.
State: VA
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:
My 2020 credit report listed a collection account with XXXX XXXX XXXX. This matter was resolved directly with the original creditor, XXXX XXXX XXXX XXXX. Therefore, no monies were owed and credit bureaus were required to remove this incorrect information. 

XXXX  and XXXX  removed XXXX XXXX XXXX from my report. 

However, despite sending them numerous letters disputing this account, Equifax continues to conclude that this information was confirmed and accurate and will remain on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received a letter by Bank of American in XXXX XXXX that my account was being closed and within 2 weeks I would receive via check the current balance. I knew the account was closed earlier because I couldnt have access to it. I have talked to customer service agents at branches and also by calling the 1800 number and still today XX/XX/2021 havent received my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-26
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Attached in this complaint should be an FTC report filed on the FTC website and a notarized FTC affidavit by law you are required to block the fraudulent account within 5 days while you investigate. I have been trying to get this issued resolved for a while now it has been very frustrating, I have been studying consumer laws I have also hired an FCRA attorney he advised me to sue but I want to make this last attempt to get this issue resolved outside of court. If this issue is not resolved in a timely manner and my dispute is ignored or the account is not properly validated, I will be forced to file a lawsuit against you and the creditor that extended the fraudulent account in my name. 
If you do investigate and claim this account is accurate or is mine, I need a written sworn statement from a senior officer under the penalty of perjury that this account does in fact belong to me and also the method of verification they used to validate the fraudulent accounts.

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 2015-05-24
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I get calls every day from Midland collections. Today XX/XX/XXXX they called me XXXX times. I asked them to stop. I told them I do not owe them or any other collections or credit card money. I work split shifts and am on call from my job and have been awakened all day today. Please get them to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
on XX/XX/XXXX I paid off my account with Service Financial and overpaid by {$700.00}. I notified the Company of this overpayment and they told me they cut a refund check on XX/XX/2022. I called them on XX/XX/XXXX inquiring about my check. They told me to wait until the XXXX and contact them again. On XX/XX/XXXX I called and they told me to wait until XX/XX/XXXX and they would cut another check. I called again on XX/XX/XXXX and they told me to wait until XX/XX/XXXX and that they would submit another request for a check to be cut on the XXXX. You can see where this is going. This bank is based in XXXX XXXX, FL yet is doing business through XXXX XXXX XXXX Ohio. I spoke with a supervisor named XXXX on XX/XX/XXXX. At least he tried to explain the entire process. I need the {$700.00} dollars now.

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 2022-11-11
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
After receiving the response to my previous complaint about XXXX XXXX I called Nelnet on XX/XX/XXXX to discuss getting a {$20000.00} refund for payments I made in 2021 when the account was held by XXXX XXXX. I called Nelnet again on XX/XX/XXXX to check the status of my refund and they said it hasn't moved. Nelnet is aware of my payments and it sounds like the account has been transferred to them and they are in control as the transfer is complete. I want confirmation the Treasury department has received my request and my refund request of {$20000.00} will be sent to my house in a timely manner. Details regarding the payments are listed below and I attached screenshots as welll. 

" On XX/XX/2021 I made a {$25000.00} payment towards my student loan balance. This was made before my loans were transferred to Nelnet. Details regarding the payment is listed below : XXXX XX/XX/2021, XXXX XXXX  to XXXX Dear XXXX : We are confirming the student loan payment you scheduled through Account Access. Payment Amount : {$25000.00} Payment Date : XX/XX/2021 Checking/Savings Account : XXXX Confirmation Number : XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
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: Information belongs to someone else

Complaint:
I noticed a account on my report I do not recognize

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 2015-03-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
XXXX / Citizens Bank, N.A. adds fees for additional insurance to my mortgage year after year. Year after year I 've requested the additional insurance removed, completed all required forms and submitted all requested information. I had been advised the insurance would be removed when calling after confirming I met all their requirements in prior years, but the insurance was not removed. This year a law firm has become involved, I 've made XXXX attempts to submit the forms, only to be told today that the address that Citizens Bank provided was incorrect. I am now being asked to complete and resubmit forms a XXXX time. The additional cost of the insurance is significant each year, and with the FEMA flood insurance increases in addition to our own personal home owners insurance that is required seems excessive. Each year I have gone through this process of sending forms after forms, then call after call I usually get told it will be removed, but never has been. I do n't feel that their practices are appropriate, their process is nearly impossible especially for someone working full-time and I feel their information is deceptive. This additional insurance requirement was added later after loan origination, disclosures sent, but again obviously they do n't want to enable a consumer to remove or reduce this added insurance no matter how much additional coverage the homeowner has on the personal policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15
Company: ERC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There is a charge on my acct says opened XX/XX/XXXX and reported XX/XX/XXXX this is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-05-07
Company: Ditech Financial LLC
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received an alert on my experian report on XXXX XXXX XXXX that there 's a change on my credit report. I log on my report to find an account from green tree servicing l a count # XXXX showing a debt of XXXX that I owe. They do n't have the original creditor reported on the report. From the date it show this was opened XX/XX/XXXX green tree bought an expired debt that is well over the statue of limitations from hsbc. They knew this when they purchased this debt which is why they did n't notify me to dispute this before they reported it to my credit report. Green tree servicing are know for illegal actions such as this XXXX. I have enclosed a copy of an experian report dated XXXX XXXX XXXX that shows the original creditor XXXX XXXX account # XXXX ... the debt shows the account was opened XXXX XXXX balance and the date this was removed from my report XXXX XXXX. This was written off XXXX XXXX and has been past due months before it was written off which is why this is no longer on my credit report. I also in closed a copy of my current report with green tree servicing on my experian as of XXXX XXXX XXXX with this expired debt. The date opened is the same XX/XX/XXXX. This debt is expired and should not be on my report. XXXX has been deleted from all three credit bureau since XX/XX/XXXX. Green tree have purchased and expired debt.

Company response to consumer: Closed with non-monetary relief