BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-12
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have invested a collection account on my report three times and neither time did I receive the results of the investigation via electronic or mail correspondence. When calling into Equifax to determine the status of my investigation on XX/XX/XXXX, I spoke with XXXX, then to XXXX, then to XXXX, then back to XXXX, it was found that the account was verified paid by me. When asking XXXX how did they verify that I paid such account, she stated that Equifax had called and verified the information. I asked what documents were used to verify the information and was refused an answer. Then, come to find out, Equifax had my name incorrect on my report, even after Id disputed this information over a year prior to my call on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: ONEMAIN FINANCE CORPORATION
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a loan with this company that I pay monthly. I always pay online and only use this method to interact with the company. As soon as even one day goes by past my due date, the company repeatedly calls me beginning as early as XXXX XXXX  all the way past XXXX. In XXXX of 2020, I became frustrated with them and I answered the call. I expressly told the person to make note on my account of the following things : I do not make payments over the phone. I pay my bill online, every month. I do not wish to receive calls from them. And most importantly - I CAN NOT receive calls during work hours, which for me is XXXX to XXXX Monday through Friday. They have ignored my requests and continue to call me despite my requests and insistence that I can not receive calls during my work hours.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-04
Company: U.S. BANCORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX, I paid US BANK {$3600.00} to pay off my auto loan as I had a buyer. I NEEDED the lien release sent to the DMV ASAP and considering its and electronic title, the dmv would receive it instantly. I then called on Monday XXXX XX/XX/XXXX to ask if they received it and XXXX had said itll get processed tonight. I then called on Tuesday the XXXX and spoke to XXXX who I was on the phone with for 56 minutes. He advised it takes 7 days to clear that payment since its an ACH. He then said make a wire transfer of that amount ( {$3700.00} ) and itll get processed in 1-2 hours. He would give a call back at XXXX XXXX on XX/XX/XXXX. I called in again on XX/XX/XXXX and spoke to XXXX. This was the most incompetent person to work at a bank who would not help, would not transfer it to a manager and told me wire transfers take 30 days to clear. Called in again the same day and spoke to XXXX who said the wire department do not have a number. I later received a call from XXXX which I submitted a call back online and she gave me the wire departments number. The same day I spoke to XXXX who had no idea what he was talking about, XXXX who informed me he cant write and email but if I wanted to speak to a manager he cant write an email, XXXX who was absolutely rude and hung up the phone on purpose. I called the corporate number and spoke to XXXX who said To speak to the escalation team you need to call the customer service number. Then hung up the phone so I called him back and made sure he knew he didnt know how to talk to customers. On Thursday the XXXX XXXX I spoke to XXXX who promised me a manager XXXX XXXX XXXX would call me back the same day before XXXX EST. Never received a call. Called again, spoke to collect who said she would send the call to a manager. Manager ( randoff ) did not pick up. On Monday XX/XX/XXXX I spoke to XXXX who said your Lien will get released today. IT. NEVER. DID. So not only did I make two full payoffs on this vehicle. I never received the title, never got through to a manager, never was informed correctly, was told to wire transfer money to them. This is the most disgusting service I have received.

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 2020-03-12
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am trying to make one payment to my my mortgage account. The servicer is refusing to accept it. M & T bank is the servicer of my account. I tried to make my mortgage payment online. M & T Bank blocked my account and I can not do my payment online. I tried to do the payment over the phone with the pay by phone feature. M & T Bank also blocked the system and I was not able to do my payment with pay by phone. I called M & T Bank and spoke to a representative. The representative refused to take my payment. 
M & T Bank is trying to take my home away from me by refusing my payments. 
Please help!

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 2020-03-12
Company: TD BANK US HOLDING COMPANY
State: CA
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 have received your first notice dated XX/XX/2020 and wanted to let you know that i was never provided with a " debt validation notice '' rather the notice I have is threatening to file litigation. I would like to dispute the validity of this debt on the basis of the following reasons : 1. Incorrect Balance 2.  Debt disputed with TD Bank while account was in good standing 3. TD Bank  withdrew funds from my checking account on 3 separate occasions without my consent and refunded the funds to me the first time, the two subsequent transactions caused my checking account to go overdrawn and I was assessed a lot of fees as a result. 
4. My last communication with TD bank supervisor ( XXXX ) was confirmed that they would dissolve the remaining balance to avoid further complaints from my side due to TD banks blatant disregard for consumer laws as it pertains to Unauthorized ACH Transactions. 

Kindly provide me with Proof of debt, accurate balance and all evidence both recorded and documented of my interactions with TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Citibank Na., Best Buy listed on my credit bureaus as a hard inquiry. Was not initiated by 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 2017-01-12
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
1 ) Regions ' website shows in XXXX places the balance I owe is {$87.00}. 
2 ) When I called in to pay it off they say I owe approximately {$120.00}. 
3 ) The website is attempting to under report what I owe so that it takes longer to pay it off. I 've thought that I had paid it off a few times but the website misleads you on what you need to pay off the loan. 
4 ) Due to their deceptive website I want my balance waived and for the website to be improved so other borrowers will know exactly what the payoff is at all times. Regions is being very deceptive, including limiting the ways you can pay off your account when you call ( you ca n't use debit or credit cards online or over the phone ).

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 2022-03-22
Company: Experian Information Solutions Inc.
State: CO
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 complaint is about Experian or possibly all the main credit reporting companies. PRIOR to XXXX XXXX erroneously reporting I was late with my mortgage payments, my credit score was in the mid XXXX 's ( excellent ). BECAUSE of a bank error by XXXX XXXX  my credit score tanked to mid XXXX 's ( fair ). XXXX XXXXk said they submitted that it was a bank error and yet my credit score is still DRASTICALLY lower than prior to their error. My bank statements prove every payment was sent like clockwork. The bank has verified this. What is the problem now? 

I am absolutely NEVER late on anything and I pay off ALL my credit cards each and every month. There is absolutely no reason for my credit score to remain in the XXXX 's vs mid XXXX 's where it has been for YEARS. 

I planned to re-fi my mortgage before interest rates went up but this situation has already make that difficult. What is my recourse?

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 2020-07-03
Company: Experian Information Solutions Inc.
State: TX
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:
Account Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Joint with XXXX XXXX Date Opened XX/XX/XXXX Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX filed ftc 45 days ago

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 2016-07-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
1. XXXX/XXXX/2016 : I wired money to a Citizens Bank account holder. The money was urgently needed. Mailing a check would be too slow. 
2. XXXX/XXXX/2016 : Citizens Bank acknowledged receipt of the money. The money is " lost ''. 
3. XX/XX/XXXX-XX/XX/2016 : Daily follow-up with Citizens Bank . Money is still " lost ''. 
4. XXXX/XXXX/2016 : Promised call from the Citizens Bank Office of the Chair by the end of the day was not received. 
5. XXXX/XXXX/2016 : Continue to be at an impass. The money is not available to me or the specified policy older. Citizens Bank is not willing to anything but continue looking. Day 8 and counting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Around XX/XX/XXXX i noticed my Bank of america Unemployment prepaid card was used at an atm that wasnt by me, someone withdrew around {$700.00} from the account, the next morning i call to report fraudulent activity on my card and was told it would be taken care of. The next day i called Bank of America Prepaid, they informed me DETR Nevada Unemployment froze the account because of my report and the only way to open the account is to contact DETR nevada unemployment. I did the next day, i submitted my ID and social to DETR and the next day they sent over a request to Bank of America Prepaid to unfreeze the account. They sent numerous request to unfreeze the account to Bank Of America, and they ( bank of america ) are not working with DETR, and my account is still frozen even after Detr and I did everything possible to unfreeze the account. Bank Of America Prepaid arent helping at all. Everything i have is sitting in a frozen account because of bank of america, i need help!

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 2016-11-08
Company: ERC
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:
This phone was never purchased or paid for by me. I signed no contract and have never agreed to participate in this contract of service and purchase contract. This purchasing party loaned the phone to me for one month and it was then returned to him. There was no.verbal or written agreement that I signed innovating me to.this debt that is several years negative and effecting poorly in my life. I request copies of the signed contract with the company mobile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-02-22
Company: EOS Holdings, Inc.
State: TX
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 have written EOS CCA dispiting this and asking for validation. They do not respond but keep mailing me settlement offers. This is not mine and I demand they cease and desist collections efforts, remove this from their database, and they best not be reporting this to the credit bureaus ; if so they MUST delete it!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Santander Consumer USA Holdings 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:
I am a victim of identity theft and fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credit, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my Social Security number has been used unauthorized, and without consent and written or verbal permission. My Social Security number information was breached and alleged creditors have used my Social Security number and are in violation of the privacy act of XXXX etc. unless they can prove a written contract exist. 

XXXX has received my FTC Identity theft report, FTC Complaint and Affidavit, and proof of identification via USPS certified mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX signed for by XXXX agent XXXX XXXX, there is no proof to the contrary. XXXX  is in direct violation of the FCRA section 605B 15 USC 1681c-2 Block of information resulting from identity theft as pursuant they must remove all fraudulent and inaccurate information from my consumer report no later than four ( 4 ) business days after the date of receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: Consumer Portfolio Services, Inc.
State: MA
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 see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: JPMORGAN CHASE & CO.
State: PA
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2019 My credit card was charge twice. {$5000.00} and {$3000.00} I tried to dispute it since then no luck. I wan na file a complaint towards my credit card company for not crediting it back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Agency Act U.S.C. 1681 & fair Debt Practices Act 15 U.S.C. 1692 United Collections Bureau Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX, XXXX XXXX, XXXX Bank XXXX ) XXXX 5 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1692 Section 805 A states : A debt collector may not communicate with a consumer in connection with the collection at any unusual time or place, or a time or place known or which should be known to be inconvenient to the consumer. 

15 U.S.C. 1692 Section 806 Section 5 Causing a telephone to ring or engaging in person in a telephone conversation repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number.

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 2020-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
They close my account and they said the money that was given to me on the account they were going to mail me a check even though I wanted them to do the money transfer a direct deposit into another account and they said it be there in 10 days and its been over 30 Ive called him over and over again and theres always a problem

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 2021-01-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery continues to spam call me twice a day, 7 days a week from various phone numbers ranging across the US. Primarily Texas, XXXX, Tennessee and Arizona. I tried settling a debt with them and they refused to work with me on a plan and accepting my counter offer to settle. I was ready to settle during that call and since then they have continued to call me every, single, day. I've blocked about 50 phone numbers so far and it keeps piling up. I don't want to call them back because it will restart the " collection clock '' when I already made an attempt to pay the debt. 

Some of the most recent ones here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-04
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
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 two complaints against Carrington Mortgage Services , LLC . The first and most pressing issue has to do with my city taxes, I received a letter from my city that the city taxes was not paid and if not received by XX/XX/XXXX there will be additional interest and possible garnishment, or attachment procedures may begin. I have spoken to 7 different representatives at CMS on XX/XX/XXXX and they still are not capable of resolving this URGENT matter. They receive my mortgage payments every month without issues. I need an entity that has TEETH when dealing with these institutions, the XXXX  is not the appropriate organization to deal with these matters. 
My second issue deals with mortgage assistance during the pandemic that I never used but made an inquiry into, I received a notification on my credit that I missed two payments XXXX and XX/XX/XXXX. When I contacted CMS once again, they did not have any answers for me. It seems CMS do whatever they please and are never held accountable for their actions that can have serious consequences with their customers. 
I have attached the late tax letter I received, and I started my conversations with CMS on XX/XX/XXXX and nothing has been done and they do not have an interest in resolving this issue, because in their mind, they mailed a check, and they are done with the investigation.

Company response to consumer: Closed with explanation