BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Relentless calling from a company called Portfolio Recovery and they call from several different phone numbers and I have called every number that they have called me from stating that I am not the person they are looking for and that I do not even know the person they are looking for. It 's to the point now that I just pick up the phone and hang it up because it is pointless to keep telling these people I 'm not who they are looking for. This is my work number and it is getting very aggravating dealing with them calling XXXX times in an XXXX hr shift.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29
Company: HYUNDAI CAPITAL AMERICA
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
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:
XX/XX/2021 Kia Motor Finance XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX XXXX, Account number XXXX Vehicle Title Dear Sir, Consider this a complaint letter. Here is the story : On or about XX/XX/2021, I mailed a check for {$10000.00}, payable to XXXX XXXX, to your lease end office ( see USPS tracking # XXXX XXXX XXXX XXXX XXXX XXXX ). There is evidence the payment was received and processed. This payment was a payoff of the remaining balance for my lease. My expectation was that I would receive a lien released title within a reasonable timeframe. 

However, as of today, XX/XX/2021, my lien released title has not been received. 

I have called your Customer Service multiple times asking about the status of my title ( please review my account records for the applicable dates ). Each time, they have requested information that has already been submitted on multiple occasions ( Odometer reading, North Carolina Bill of Sale ). Your online portal indicates these items have been received. However, as of today, no one in your customer service group can provide a status regarding my title, and/or when my title will be delivered to me. 

Ultimately, I would rate your customer service as a 2 ( on a 10 point scale, with 10 being the best ). Although your staff was reasonable courteous, they were useless in resolving the issue. This is very poor customer service. 

Anyway, please provide any information related to locating and delivering my vehicle title. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ( XXXX ) XXXX XXXX Cc : XXXX CFPB XXXX XXXX, President and CEO, Hyundai Motor America, XXXX XXXX XXXX, Vice President, Customer Satisfaction, XXXX XXXX XXXX, Director of Quality and Service Engineering, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX a fraudulent transaction occurred for the amount of {$880.00} on my credit card at XXXX # XXXX, XXXX, FL. I was notified by XXXX XXXX Statement ( XXXX ) in my XXXX XXXX, XXXX statement advised them. On XXXX I was advised by XXXX the charge had been denied and had spoken with a XXXX. On XXXX. XXXX my XXXX statement arrived with the aforementioned charge still on the account plus fees and interest charges, totaling {$930.00}. XXXX XXXX, XXXX XXXX email advised a minimum payment of {$56.00} was due on card XXXX. XXXX XXXX. XXXX I contacted XXXX XXXX, XXXX, and she advised Case # XXXX was assigned by the Fraud Dept. 
My XXXX XXXX, statement arrived with a balance of XXXX, credit of {$890.00}, a fee charge of {$2.00} and {$40.00} balance remaining. Called XXXX and the advised not to pay. XXXX XXXX, XXXX statement is {$40.00} balance, fees charged {$29.00}, balance {$69.00}. XXXX XXXX, statement same data. XXXX XXXX statement balance {$69.00}, {$29.00} credit, Fees charged {$54.00}, balance {$94.00}. Called XXXX XXXX XXXX, XXXX, to XXXX, concerning balance now at {$13.00} and would be removed by Monday. Other contacts XXXX XXXX, XXXX, XXXX ( phonetic ), ID, XXXX, and advised account would be cleared as well as the XXXX credit bureau. XXXX XXXX, XXXX sponke to XXXX, ID XXXX and she advised account would be cleared and the credit bureaus. Apr XXXX, XXXX XXXX ID # XXXX, XXXX balance will be indicated on account. XXXX XXXX, XXXX statement recieved balance of {$94.00} and on thier web site. XXXX XXXX, FICO score of XXXX, XXXX, XXXX reduced to XXXX in XXXX XXXX. So far XXXX has not corrected this problem and I have detailed documents of all statement. XXXX has charged meet {$15.00} to XXXX replacements card that I did not order express shipping which adds insult to injury with company.

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 2022-04-13
Company: EQUIFAX, INC.
State: NY
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 recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that I do not recognize or believe are inaccurate. The accounts in question are listed below : NAME OF ACCOUNT XXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXXX Please Investigate and Validate the accuracy of this account with the Original Creditor. NAME OF ACCOUNT : XXXX ACCOUNT NUMBER : XXXX Please Investigate and Validate the accuracy of this account with the Original Creditor. If you can not verify that the accounts listed above are reporting 100 % accurate and without any errors. Immediately DELETE these accounts from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
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: Was not notified of investigation status or results

Complaint:
Greetings, I have sent several disputes to the credit bureaus and to no avail. Can you all please assist me in getting these derogatory items deleted from my credit report. Your help will be very much appreciated. Please delete these negative unverified accounts. 

XXXX XXXX- XXXX-Unverified account XXXX XXXX XXXX -XXXX- Unverified account XXXX XXXX XXXX- XXXX- Unverified account XXXX XXXX -XXXX- Non-Compliant-please delete XXXX XXXX  XXXX XXXX-XXXX- Unverified account- delete immediately Thank You for your help, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted XXXX  to remove fraudulent inquiries on my credit report, on XX/XX/2022 through the fraud department the inquiries stayed on my credit reported they just updated my information Also transunion under the civil law ( 15USC 1692k )

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 2020-03-30
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX  XXXX XXXX XXXX XXXX   XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX XXXX XXXX XXXX XXXX   XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Greetings, I have sent several disputes to the credit bureaus and to no avail. Can you all please assist me in getting these derogatory items deleted from my credit report. Your help will be very much appreciated. Please delete these negative unverified accounts. 

XXXX XXXX- XXXX-Unverified account XXXX XXXX XXXX -XXXX- Unverified account XXXX XXXX XXXX- XXXX- Unverified account XXXX XXXX -XXXX- Non-Compliant-please delete XXXX XXXX  XXXX XXXX-XXXX- Unverified account- delete immediately Thank You for your help, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: CITIBANK, N.A.
State: MO
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:
Account was charged XX/XX/2022, for fraudulent transactions in the amounts of {$10.00} and {$2800.00}. We called to report the fraudulent charges. Citibank cancelled the card and issued a credit for the charges. However, when they transferred the balances on our old card to the new card, they added the XXXX charges ( {$10.00} and {$2800.00} ) to the new card. When I asked them why there was not a provisional credit for those amounts pending determination of the validity of the charge ( my understanding of the regulation ). 

They ( including a supervisor ) said that they do not make provisional credits. The only time there would be a credit would be if their investigation determined that the charge was fraudulent. Again, this is contrary to my understanding of the treatment of disputes and I told them I would be contacting CFPB.

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 2018-05-30
Company: JPMORGAN CHASE & CO.
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:
The day of XX/XX/XXXX XXXX my insurance payment had gone through which over drew my account, that payment was {$160.00} and some change. I called the bank the next morning they said if I had the money in by XXXX I would be fine. During the day of XX/XX/XXXX, I worked all day to cover those funds. During that day I spent more money on gas {$25.00} and some change and also some food ( two charges ) Knowing I would also cover these charges. Before XXXX I covered the insurance payment. I also covered all the other payments. By the time I ended work that evening my account was in the positive amount. 
The next morning I woke to three insufficient funds, charges from the gas amount and two food purchases. Even though my account was in the positive. I called headquarters and the man was saying stuff that didnt make since, even though he clearly admitted seeing my account was in positive the night before. He kept saying some excuse, was actually unfriendly. He wouldnt help me. I then went to my local branch and they wouldnt help me either. Now my account is {$100.00} in the negative, from three {$34.00} insufficient funds. 
That day XX/XX/XXXX I had to get more fuel for my car. I spent {$45.00} on fuel and again I made money to cover that amount before XXXX XXXX. And had deposited in my account. Then the next morning they added another insufficient fund to my account totaling 4. I stopped using the account and putting money into it because I cant afford to pay off these fees, my money needs to go to things that are needed. Also this incident is messing up my scheduled automatic payments that are starting to roll in.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
On XX/XX/2021 I electronically wired {$12000.00} from XXXX to Bank of America. While I entered the BofA account correctly, for some reason BofA reversed the wire and kept {$45.00} of the transfer. I have never been a customer of BofA and never plan to be, yet they kept money of mine that is not theirs. On XXXX 's website there is a wire fee disclosure of only one amount {$25.00}. XXXX never discloses that if there's an issue with a wire the OTHER bank at which you are not a customer of can keep some of your wire fee. This is a scam and I want to be refunded my {$45.00} from BofA.

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 2021-07-29
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 is missing that should be on the report

Complaint:
Transunion has stop reporting my payments on my XXXX credit card. Which has negatively impacted my score

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 2015-06-11
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card
Issue: Other

Complaint:
Dear Sir or Madam : In Re : Acct. # XXXXI would like to file a complaint with your agency against Syncb/Chevron for none-compliance with the Fair Credit Reporting Act ( FCRA ). I filed a dispute with XXXX for erroneous information being reported on my credit report by Syncb/Chevron. 

On XXXX XXXX, 2015, I sent a certified letter to Syncb/Chevron requesting an XXXX investigation in regard to an account that is pass the statue of limitations and that they needed to submit copies of statements upon request. They fail to comply with that request. 

On XXXX XXXX, 2015, I sent another certified demand letter requesting that they respond to my request ; and again they fail comply with that request. It is illegal for Syncb/Chevron to verified account information as accurate without doing an XXXX investigation for which I am entitle to by law. 

Thank you for what I hope will be your prompt attention to this matter. 

Very truly yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card
Issue: Rewards

Complaint:
I open up a credit card with banana republic, which they offered a promotion where your received a {$30.00} dollar award if you make a purchase outside of Banana republic family of brands, which I did. I called up to find out why I did not received the award they stated : they do not do that even though I have documents that show they do.

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 2016-03-11
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Transaction issue

Complaint:
My credit card balance was overpaid in the amount of XXXX. When I asked them to go ahead and credit back to me electronically, via the same means that they received the funds from me, they told me that was not possible. My credit card amount due was at a balance of {$0.00} at the time that they took the payment from my account. I need the money back promptly as I understand is within my rights, as stated below : " Other billing rights Businesses that offer " open end '' credit also must : give you a written notice when you open a new account - and at certain other times - that describes your right to dispute billing errors ; provide a statement for each billing period in which you owe - or they owe you - more than XXXX dollar ; send your bill at least 14 days before the payment is due - if you have a period within which to pay the bill without incurring additional charges ; credit all payments to your account on the date they 're received, unless no extra charges would result if they failed to do so. Creditors are permitted to set some reasonable rules for making payments, say setting a reasonable deadline for payment to be received to be credited on the same date ; and promptly credit or refund overpayments and other amounts owed to your account. This applies to instances where your account is owed more than XXXX dollar. Your account must be credited promptly with the amount owed. If you prefer a refund, it must be sent within seven business days after the creditor receives your written request. The creditor must also make a good faith effort to refund a credit balance that has remained on your account for more than six months. ''

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 2015-07-16
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card
Issue: Billing statement

Complaint:
I opened a credit card with Care Credit and have been having issues since I opened this acct. My payments are supposed to be fixed of {$160.00} a month and every since opening this open they have increased my payments. The doctor office has notified the companycompany about the fixed payments with them having issues also. They have horriblecustomer service and is Extremely Rude. They increased my payments withouteven contacting me and refuse to explain about the increase. Every time I callI get told different stories or hungup on. They refuse to give corp office number oror contact information. This company needs to be closed down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: ALLY FINANCIAL INC.
State: MT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On Monday, XX/XX/XXXX Ally Auto Finance received my payoff for my XXXX XXXX XXXX & as of todays date there is still an outstanding & open loan. The last 2 days I've called Ally Auto and spoken to their offshore representatives that displayed no interest in my concern & denied my request to speak to a Supervisor. On XX/XX/XXXX I spoke to XXXX from the Consumer Solutions & she was unable to confirm that the payment processing center is processing my payment. Furthermore, I was advised it could take 7-10 business days to process which is UNACCEPTABLE for it to take that long. I'm trying to purchase a home & I need to provide proof that this vehicle loan to Ally was paid off. Everyday that my account remains open I get a daily interest charge of {$8.00}. XXXX  tracking # 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 2021-07-29
Company: Resurgent Capital Services L.P.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I sent a letter to LVNV funding LLC for reporting inaccurate information to the credit bureaus. The company refuses to delete or provide adequate proof of debt claimed. They are still reporting this inaccurate item as it is still on my credit report XX/XX/21

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29
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 is missing that should be on the report

Complaint:
Transunion has stop reporting my payments on my XXXX  credit card. Which has negatively impacted my score

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