BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-10
Company: CITIZENS FINANCIAL GROUP, 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: Account status incorrect

Complaint:
Called citizens one on XX/XX/2020 and was blind transferred to collections rep very snuggly and rudely told me I didn't know what I was talking about when I said that " false information had been reported by them to the credit bureau which violates the FCRA '' I gave attached screen shots which show the falsified info which this institution refutes bur told me " you haven't made enough payments for a deferment '' so that would mean then, if I'm not mistaken, the screen shotted remark would be false and citizens one should do the right thing b4 I seek legal representation for a blatant violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I learned that the company XXXX XXXX XXXX XXXX is no longer operating. 

On XX/XX/XXXX, I mailed by certified mail a dispute for the amount of {$4500.00} against a purchase I made on XX/XX/XXXX, with XXXX XXXX XXXX XXXX. 

The dispute was delivered on XX/XX/XXXX, and I received the return receipt on XX/XX/XXXX. I phoned Capital One on XX/XX/XXXX, at which time I was informed by a representative that they had received the dispute on XX/XX/XXXX, but had taken no action. 

Background : I purchased a {$21000.00} elite training program with XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

Services purchased : *Premier  1-on-1 coaching ( 13 weeks/or sessions ) *Assigned Senior portfolio advisor ( lifetime access ) *Diamond reserved inventory ( lifetime access ) *Lifetime membership and access to XXXX XXXX XXXX XXXX *Access to client success advocates ( lifetime access ) *Access to Reserved Inventory ( lifetime access ) *Access to inventory List ( lifetime access ) Services received : 5 premier 1-on-1 coaching sessions Services not received : *Premier 1-on-1 coaching ( 8 weeks/or sessions ) *Assigned Senior portfolio advisor ( lifetime access ) *Diamond reserved inventory ( lifetime access ) *Lifetime membership and access to XXXX XXXX XXXX XXXX *Access to client success advocates ( lifetime access ) *Access to Reserved Inventory ( lifetime access ) *Access to inventory List ( lifetime access ) I requested that Capital One investigate and credit me back the amount paid for services not received.

I have yet to hear from Capital One regarding this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been working on my credit and noticed that I had a collection account from ENHDANCED REVOCERY COL. I was unaware of this debt. I also noticed on my credit report that the original creditor is XXXX who no longer exists. Which for one makes me question how could someone owe for a company that no longer exists. I decided to write them a letter certified asking them to validate the debt. They were unresponsive. I then wrote XXXX asking them to validate the debt and it came back verified but no proof as to what I owe and who I owe was sent to the consumer whose credit is being affected by. ACCT # XXXX is the account at hand I am speaking of. 

ACCORDING TO 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 ACCORDING TO 18 U.S.C.8 The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States , stamps and other representatives of value, of whatever denomination, issued under any Act of Congress , and canceled United States stamps.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Credit card
Issue: Advertising and marketing

Complaint:
I applied for a Citizens Bank Credit Card online with the publicly advertisement of getting 10 % cash back on the first XXXX spent and an unlimited 5 % cash back on grocery and drug store purchases for the first 90 days. When I received the actual card in the mail, the rewards structure was different. The rewards structure was 1.5 % of all purchases. I sorely disappointed because what I signed up for and what I received was XXXX different products. It seems that I was baited and switched when I signed up for the credit card. I have a screen shot of the offer I was led to believe I was receiving by signing up for the credit card. I alway take a screen capture of the advertisement because sometimes I 'm skeptical and want to have proof of what I signed up for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: Rocket Mortgage, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Hello CFPB, I am desperately reaching out due to some confusion in my home refinance with Rocket Mortgage. I recently closed my refinance only to discover my monthly payment has almost doubled. Called immediately to contest monthly payment. I was told my existing monthly payment of {$440.00} would only increase to {$480.00} to get a better interest rate and have money to possibly build garage in future. Perfect. Dont have exact dates of these transactions due to my constant waiting for hard copies of my full contract, but was in beginning XXXX. Unfortunately, payment is now $ 770ish. Yes, I am naive and very much dumb for not checking the numbers before signing final paper. Took Loan Persons word, and thats not what I received. I understand escrow, now, and understand the cushion for insurance, but I was assured {$480.00} was my monthly payment from now on. I only had {$45000.00} left to pay and a very comfortable payment. All I wanted to do was take advantage of lower interest rate, keep payment as low as possible. Now I have unknown excessive fees and a bunch of debt. I will lose my house if something cant be done. Thank you for your time. Get back to me as soon as you can. I am very afraid of losing all Ive worked for

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: WESTERN UNION COMPANY, THE
State: AK
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I do not want complaint ID # XXXX closed until you can provide both signatures from the two different transactions I made to XXXX XXXX. 

When you can show proof of both signatures and they are the same then you can close the case but until then I want this investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: ERC
State: FL
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:
Checking my credit report XXXX pops up for the fourth time which mean the collector kept selling this account. I never had XXXX NEVER and the last three times they had to remove it because they could n't validate it. I blasted XXXX for doing a authorized inquire, which they remove also. The fourth collector will remove it but not after selling it again. Please help. P.S. I live in a XXXX which XXXX ca n't service so how is this possible!

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 2017-02-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I have a business and I got a XXXX to handle my credit card processing.I had a bank account at Citizens Bank.At the beginning of XXXX 2016, my credit card machine broke and I could no longer accept credit cards.I XXXX called XXXX on numerous occasionsonly to be given the run around.They continued to take money out of my bank account, I complained to Citizens Bank but they did nothing to help.I had to close my old account and open a new. 
XXXX is still trying to take money out of a closed account, even though I cancelled their service .They took money out of my account even though there was no credit card activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-10
Company: Capital Accounts, LLC
State: AL
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:
Here again - another account that was disputed several times with XXXX  and it has not been deleted. I filed a 1692g letter with the collector Capital Accounts and they failed to respond ; furthermore, I called Capital Accounts and I was told the account would be deleted because I do not owe the money. I paid the doctor way before any collections and I never had any contract or association with this company. XXXX   has failed to properly investigate this account under FCRA and Capital Accounts has violated the FDPCA and FCRA by reporting a debt I do not owe, and failure to respond to a formal 1692g letter.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-10
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2019, I discovered that my Chase savings account had disappeared. I was trying to put money into the account and could not find it on my Chase Banking app. I contacted the company via the app and was received a reply saying that mu account had been closed because I went 60 days without a balance. I never notification that my account would be closed. If Chase had notified me, I would have deposited money into the account. Now that I need to deposit money into the account I can not because I dont have it anymore. I never received notification that this was going to happen and was never given the opportunity to intervene. This is poor customer service and unethical. I get notifications everyday from Chase about the most irrelevant XXXX but I never once got a notification about something that actual matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On Saturday, XXXX/XXXX/16, I deposited {$1100.00} in cash with an in-person teller at a Citizens Bank branch. I had reason to believe that these funds would be immediately available, but the funds did not post to the account until Monday, XXXX/XXXX/16. In the interim, I made transactions as I believed there were funds available. However, even on Monday morning, transactions were made that resulted in overdraft fees, even though the cash had been deposited the preceding Saturday. I accrued three overdraft fees, one of which was immediately waived by a Citizens Bank customer service rep. However, upon speaking to a Citizens Bank customer service supervisor, he claimed that the uncleared check deposit of {$480.00} resulted in these overdrafts. 
I performed the math more than once, and it did n't add up. Even with the transaction of {$200.00} made on Sunday evening to XXXX XXXX, I had reason to believe that I had funds available to clear these charges on Monday. The supervisor refused to waive these two additional fees of {$35.00} each. 
I expressed my disappointment and felt that it was unjust to charge these fees when I was under the impression that the funds were available. It is my belief that the cash funds of {$1100.00} deposited on Saturday, XXXX/XXXX/2016 should have been immediately available rather than cleared mid-day Monday. It has always been my impression that cash funds that are deposited in-person with a bank teller were immediately available to me to cover any transactions that follow. This is poor practice on the part of Citizens Bank, and I wish that they would be more understanding and diplomatic in regards to their overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-26
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i had a car loan with XXXX/XXXX  i never had a late payment the account was in good standing and i noticed the account is no longer being reported on my credit report causing my credit score to plummet downwards ive sent reinsertion letters to the credit bureaus and nothing has been done to 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 2022-06-18
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Several letters and disputes were sent from XXXX XXXX XXXX XXXXo Credit Agency Experian XXXX This has not been resolved. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, XXXX, has violated my rights. 

15 USC 1681 sec. 602 A states that I have the right to privacy.

15 USC 1681 sec. 604 section 2 also states that a reporting Agency can not furnish my 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
Consumer complaint received 2020-03-10
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit to find two negative reports from MIDLAND FUNDING for XXXX XXXX XXXX   XXXX. in the amount of {$580.00} and for XXXX XXXX  in the amount of {$550.00}. I became homeless  after job loss in 2017 and was unable to pay the bills which caused them to go into default. I can settle both debts with {$250.00} each, totaling {$500.00} to delete both trade lines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: John C. Heath, Attorney at Law, PLLC
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Bait and switch sales tactics. Untruthful sales promises. 

The company made promises of service and then did not perform. When questioned they stated that the level of service was different than that which was promised. The original sales agreement was on a recorded line. 

Then when I asked to cancel I was told no refund, then eventually after arguing, half of my fee was returned. The company is taking advantage of the community and should not be allowed to provide credit repair services. 

I am XXXX and this is a company willing to take advantage of the disadvantaged community. Please follow through. 

The contract was never sent until I canceled and revoked their rights despite the sales person promising on a recorded line the document would be sent. They trick people through the use of text. This is a very dirty business. 

Thank you and have a blessed day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Whom It May Concern : YOU ARE BREAKING THE LAW According 15 U.S. Code 1605- Finance Charge ( a ) Finance charge defined Pursuant to subsection ( A ) Finance Charge Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.

( 2 ) Service or carrying charge.

( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.

( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed. 

The finance charge is the sum of all charges which is equal to ANY and ALL payments. So when I, XXXX XXXX XXXX, entered into a consumer credit transaction for these accounts, they were paid off at that moment. 

I demand the late payments on the account ( s ) listed below be removed from the immediately. 


XXXX XXXX XXXX to the timing of payments

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 2017-05-29
Company: Medical Data Systems, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have made several calls to this collection agency regarding double reporting on my credit bureau report. Nobody has any desire to speak with me and just go back to the balance I owe. Date of first delinquency is  XXXX   XXXX ,  2014  and date assigned matches. They double reported on  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 2020-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
In XXXX of 2019. I made a payment on my normal payment date, XX/XX/XXXX which was my normal payment date. After making the payment on XX/XX/2019, Capital One reported a late payment which damaged my credit score, putting me in a financial bind. At the current time i was searching for a mortgage. Due to the late payment I was considered high risk and was denied. I called capital one and told them that they reported inaccurate late payment on my credit report. They then told me they have no record of the late payment. It is now a year later and nothing has changed. Now I'm reaching out to who ever it may concern to get capital one to remove the false information they reported. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I learned that the company XXXX XXXX XXXX XXXX is no longer operating. 

On XX/XX/XXXX, I mailed by certified mail a dispute for the amount of {$16000.00} against a purchase I made on XX/XX/XXXX, with XXXX XXXX XXXX XXXX. 

The dispute was delivered on XX/XX/XXXX, and I received the return receipt on XX/XX/XXXX. I emailed Fifth Third Bank on XX/XX/XXXX, at which time I requested an update regarding the status of the received complaint. 

I have yet to hear from Fifth Third Bank. 

Background : I purchased a {$21000.00} lifetime access elite training program with XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

Services purchased : *Premier 1-on-1 coaching ( 13 weeks/or sessions ) *Assigned Senior portfolio advisor ( lifetime access ) *Diamond reserved inventory ( lifetime access ) *Lifetime membership and access to XXXX  XXXX   XXXX XXXX *Access to client success advocates ( lifetime access ) *Access to Reserved Inventory ( lifetime access ) *Access to inventory List ( lifetime access ) Services received : 5 premier 1-on-1 coaching sessions Services not received : *Premier 1-on-1 coaching ( 8 weeks/or sessions ) *Assigned Senior portfolio advisor ( lifetime access ) *Diamond reserved inventory ( lifetime access ) *Lifetime membership and access to XXXX  XXXX   XXXX XXXX  *Access to client success advocates ( lifetime access ) *Access to Reserved Inventory ( lifetime access ) *Access to inventory List ( lifetime access ) I attempted to contact XXXX  XXXX XXXX  XXXX  on : XX/XX/XXXX-phone out of order XX/XX/XXXX-email undeliverable XX/XX/XXXX-web address no longer valid I requested that Fifth Third Bank investigate and credit me back the amount paid for services not received. 

I have yet to hear from Fifth Third Bank regarding this dispute.

Company response to consumer: Closed with explanation