BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-11
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
1- Ticket Been send XXXX XXXX XXXX City bank Case number for Dispute city bank XXXX $ XXXX. 

I call city bank at XXXX XX/XX/2019 At time XXXX XXXX  total time for the call 20 minutes call from my cell XXXX to Dispute XXXX $ from company XXXX it was after les than 2 hours from the time I paid for my ticket the city bank customer Dispute they ask me if we can make call 3 in one call with XXXX to found solution and city bank side they recommend to XXXX the call is recording. After that city bank side she sad she have to hang up the call and if I dont found solution I have to call city bank in the phone number at the back of my card to file Dispute I call back city bank Dispute service to file dispute I have to start over for that I call one more time XXXX XX/XX/2019 time XXXX XXXX  total a mount of call 26 minutes from my cell XXXX and I file Dispute ( I have to start over ) she sad just call us back to full with your Dispute In the XXXX XX/XX/2019 to full with my complain icall to ask what happened with my Dispute the answer was sorry sir you dont have any Dispute for XXXX $ I have to start over at XXXX XX/XX/2019 at XXXX XXXX  for total 34 minutes from my cell XXXX to fill Dispute My question 1- I could dont that from XXXX that give me 24 h to cancel my transaction with some fee and the money with be in my city bank account the next business day 2- why city bank stop the call with XXXX And they left me alone in phone the Dispute is not complete 3- when I call the same day to fill Dispute they told me every think is complete 4- I call in XXXX XXXX I dont found Dispute 5- I have to fill anew Dispute at XXXX XXXX 6- I could finished every thing from XXXX befor 24 h from the time I bay my ticket and the money will be in my acount in 24 h 7- how longe I have to wait 8- what documents you need from 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 2017-04-24
Company: The Schreiber Law Firm, PLLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
i had filed bankruptcy. and this account was included in.  AMG Financial Services c ontacted me and threat me with legal action against me.

Company response to consumer: Untimely response
Consumer complaint received 2019-12-11
Company: Harvard Collections, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im disputing medical bills that have been placed on my account from XXXX XXXX XXXX XXXX XXXX ( Original Creditor ) and HARVARD COLLECTION ( XXXX Account Number ) Collection account. {$2200.00} past due as of XX/XX/2019 Ive previously disputed this information with the original creditors ( XXXX XXXX XXXX XXXX XXXX ) and have previously provided them a police report for identity theft. The account was then removed from my credit and now after various years they are trying to collect again. Please have this corrected as I have contacted them and they are unwilling to remove this from my credit. 

- Contact Info for Harvard Collection XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I would like to ask about my payment from city bank to my XXXX XXXX More than 7 time I make payments from city bank to my XXXX XXXX and the payment is not go through even I have some thousands in my city bank and when I call city bank and contact with XXXX XXXX city bank sad yes he do have enough funds and I ask how much money I have most of the time some thousand and my payment is some hundred My XXXX XXXX refuse to increase my limit becouse its show in XXXX XXXX side I dont have enough funds ( I dont haven enough money ) 1- why 2- how city bank can fixes this mistake When I call city bank they sad we sorry 3- all the call it was 3 in one city bank and XXXX XXXX and me in one call 4- city bank they chose slots of mistake 5-city bank cant clearer my name with XXXX XXXX 6- XXXX XXXX that not approved me and I will never have a good relationship with XXXX XXXX 7- you can go back to your recording line and listen to conversations 3 in one me and city bank and 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 2019-12-11
Company: AES/PHEAA
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My student loan payment is due the XXXX of every month, for the month of XXXX I paid it on XX/XX/XXXX. Due to XXXX the payment at the bank did not go through to the Fed loan services until the XXXX. As can be seen in my attachment below. Then ( what you can see in the 2nd and 3rd attachments that on XX/XX/XXXX fed loan services attempted to take the payment again which they did not have the authority to do because I do not have them signed up to have any type of withdraw access to my accounts. I pay them every month on time. Well, there were no funds in the account because I had already paid them, and that caused my account to be overdrafted {$35.00}. Then again on XX/XX/XXXX they tried to do the same thing which caused my account to be overdrafted yet again. I have attached those documents as well. Finally on XX/XX/XXXX they sent me an email saying that they had never received my payment and that they were going to continue to try to keep taking the payment from my bank account. I checked my bank account so that they took the money, I called my bank confirm that they took the money, called them and they refused to accept the fact that I took the money and wanted to tell me that they were going to continue to try to take my money until they got it. I then had to go call the bank and have a three-way call with them to explain to them that they did have their money and that they continue to try to take their money after they had it and that they shouldn't have been able to do that. 
I went ahead and filed a complaint with the better business bureau because I feel like this may be a scam that is affecting thousands upon thousands of people. What I feel like they are doing is trying to take money in hopes that you do not notice and then you just have made extra payments for no reason. Because I asked them what would have happened if the money was in my account to take and they said they would have just added it towards a payment and I would not have been able to get it back. That does not seem okay to me, I can barely afford to pay one payment a month let alone two. When I asked for some type of explanation as to why this happened, a technical error, a glitch in the system, something, no one had any answers. Hence why I feel that this is a scam and needs to be made known of because I don't know if anyone else is being affected by this. But I would imagine that they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 unauthorized inquiries on my report and noticed someone applied for something in my name. I contacted Trans Union along with XXXX and XXXX to notify them of this Fraud. In regards to Trans Union the accounts that I reference on XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX  XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXXXXXX on XXXX XXXX on XX/XX/XXXX. Ive contacted the companies as well as the credit bureau and would like to file an FTC report regarding this matter. Thank you for your attention in this matter.

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 2019-12-11
Company: Linebarger Goggan Blair & Sampson LLP
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
ILLINOIS DEPT OF REVENUE KEEPS RECYCLING TAX DEBT OUTSIDE THE S.O.L. EXPIRED AND TAX DEBT DISCHARGED IN BANKRUPTCY XXXX DISCHARGED ON XX/XX/2018. THEY USE XXXX XXXX XXXX AND LINEBARGER, GOGGAN BLAIR & SAMPSON, LLP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: SUNTRUST BANKS, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My SunTrust checking and savings accounts were closed a couple of months ago. I never received a check in the mail for the balance.
<P/>
I called SunTrust customer service and they told me that I MUST go into a branch in order to resolve the issue. I was told that a check would be reissued the same day at the branch.
<P/>
When I got to a SunTrust branch in  XXXX , NC ( I literally had to fly there, as I currently live outside of SunTrust 's coverage in California ), I was told that they would have to put a stop payment on the previous check and wait 24 hours before issuing a new one.
<P/>
24 hours later, the branch called and told me that in order for them to issue a new check, I would have to purchase a surety bond for 25 % of the sum of the check. This was contrary to the information the branch had received from the helpline and forwarded on to me the previous day.
<P/>
I asked the branch if there was a tracking number for the first check that had been sent to my house in   XXXX   XXXX  , FL. Maybe it was stuck at the post office the whole time? They called me back and said that they could not provide that - either there was no tracking number or they did not have access to it.
<P/>
I would like to note that the branch in  XXXX , NC was great. It 's a lovely town and the people who work there were very nice and helpful. They were just given incorrect and inconsistent information by SunTrust corporate.
<P/>
I have already been waiting months for my account balance. I have spent a significant amount of time and money trying to resolve this issue. I 'm not purchasing a surety bond unless the bank is paying for it.

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 2017-06-03
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On  XXXX   XXXX ,   XXXX  , a fraudulent charged in the account occurred by a company named  XXXX   XXXX  in the amount of {$280.00}.     The fraudulent transaction lead to unlawful excessive bank fees. On  XXXX / XXXX /  XXXX  , the record reveals that was charged the amount of {$100.00}, allegedly because was overdrawn the amount of {$6.00}, {$26.00}, {$60.00}. This incident could have been avoided if Regions Bank would have acted upon a fraudulent activity on the account. Instead charged me the excessive allege overdrawn fee in the amount of {$100.00} In addition the bank charged me {$690.00} in overdraft fees. The account history reveals that the bank continues to charge overdraft fee unjust, charging the same fess again.

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 2017-06-03
Company: Southwest Credit Systems, L.P.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
SOUTHWEST CREDIT CALLS FROM 3 NUMBE RS  XXXX ,  XXXX ,  XXXX . I WANT THE CALLS STOPPED. THIS HAS BEEN GOING ON FOR MORE THAN 2 MONTHS. MULTIPLE CALLS A DAY FROM DIFFERENT NUMBERS.  BILL POSSIBLY  ABOUT A  XXXX  PHONE BILL DEBT. THEY PURCHASED FROM  XXXX . I OWE  XXXX  NOTHING!!!!! THEY ARE CALLING MY HOME PHONE  XXXX  - PLEASE HAVE THE HARASSING PHONE CALLS STOPPED. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: Harvard Collections, LLC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
ILLINOIS DEPT OF REVENUE KEEPS RECYCLING TAX DEBT OUTSIDE THE S.O.L. EXPIRED AND TAX DEBT DISCHARGED IN BANKRUPTCY XXXX DISCHARGED ON XX/XX/2018. THEY USE HARVARD COLLECTION SERVICES AND XXXX, XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX, I noticed my Bank of America ( BOA ) online banking no longer gives me the right to access my checking and saving account. 

I called BOA in the middle of XXXX and BOA informed me that they closed my account. I did not receive any phone call, email, or text notice from their action. 
I was told BOA has the right to end the client relationship with me and my money will be mailed back to me via check. The associate states the check would be sent to my billing address. 

On XX/XX/XXXX, I received the noticed of account closure delivered to my billing address. 
In the latter of XXXX, I called BOA again because I have not received the check. The bank associate stated that the check might be lost in the mailing process. I was told I need to wait 90 days for the check to expire so BOA would send another check to me. 

In XX/XX/XXXX, I called BOA multiple times to track the process and BOA asked me to call back after XX/XX/XXXX to initial a stop payment process and a new check request. 

On XX/XX/XXXX, I called again to follow up my request. BOA associate actually informed me that the first check was delivered to a wrong address ( previous billing address ) I no longer have access to. I asked BOA to change my address to my current address and start their process of sending out the check. 

On XX/XX/XXXX, I called BOA to follow up. The associate told me they have no updates from the last request and suggested me to file another stop payment request. I confirmed now they had my correct address and requested as they told. 

On XXXX XXXX, I called BOA again to check the process. BOA claimed they don't have updates due to extreme weather in their headquarter in Texas. They suggest me to wait 7 to10 more business days. 

I was very unpleased about what BOA did to my accounts. I have been a client for nearly 6 years. 
First of all, I do not think it is appropriate to close a client 's account without notice advanced. 
Secondly, I have been misled for almost 3 months because they send the check to a wrong address. 
Thridly, I do not know what took BOA so long to send another check. It has been a month past their 90-day rule. They did not automatically initiate a new check and they have not been protecting my interest in a responsible manner. 

The amount I had on my accounts with BOA : Checking- XXXX USD Saving- XXXX USD BOA has breached my enjoyment of life and violated my right on my property. They have failed to treat their client with fairness and honesty. 

I demand BOA return my money via check in a timely manner and I need to keep my right to seek justice and compensation via the legal process.

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 2017-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I open the checking account with Bank of America in 2015 and they close my account without letting me know what 's going, all they said because I deposited one of my cousin check into the account. And their account was close before it arrive me or the day I was deposit, they realized that I was deposit already. But I did n't. Because my cousin switch bank to credit union. So they close they account after the check arrive to me. So Bank of America close my account and sending to XXXX XXXX XXXX XXXX which I do n't know what was it. So I ca n't open the account any where else because they said I owe them. My direct deposit from my employer always come every 2 weeks.

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 2018-05-31
Company: DISCOVER BANK
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received an email on XX/XX/XXXX that my card was closed due to a review of my account. I was told that my card was being closed due to delinquent activity ( from XX/XX/XXXX which was a card I never opened in the first place ) and a high credit utilization for my overall credit. I opened this card in XX/XX/XXXX after the " delinquent activity '' took place. I also had a higher credit utilization when I applied for the card then what I have now. I do not understand why it was ok for me to be approved, but now I receive a review ( which I did not ask for in any capacity ) in a better situation then when I applied and I all of a sudden lose my account. This is extremely unfair and frustrating. Now, my overall credit utilization will be a higher percentage and will lower my credit score. I also have never missed a payment and by the end of every month I have a XXXX  balance on the card. I tried to call to reopen my card and was told that it was closed and there is nothing that can be done, however, I can apply for a new card. How they can even recommend that is absurd to me as they just closed my account for " credit reasons ''. Miserable and unfair treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: LD Holdings Group, LLC
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my loan in XX/XX/XXXX I transferred my escrow to pay for the insurance that was due in XX/XX/XXXX.  Loandepot failed to pay the insurance and insurance was canceled. I was on the phone with insurance company and Loandepot for four months as the kept telling me it was paid and I could see it hadn’t been.  The insurance was finally paid for in XXXX and I personally had to pay XXXX in fines and taxes before they would reinstate the policy. I have attempted to resolve this issue but they keep telling me that they sent me the overage in escrow to cover that. That was already my money. I feel Loandepot owes me that money as they failed to pay insurance on time.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
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 status incorrect

Complaint:
Experian shows all of my student loans in default. I contacted my student load provider and they confirmed that I have never been in default. They stated they have never reported that I have been in default and they even sent me a letter showing that I was in good standing. When I called Experian to discuss this with them, they blamed the student loan company and told me to call them. When I explained that I did and they even provided a letter stating that I was in good standing, they said well start a dispute and in 30 or so days someone will contact you updating you on the status. 

Experian shows my home mortgage account closed, when in fact it is open. 

Experian shows other accounts as delinquent when they have been paid in full. 

When I call Experian I wait on hold to speak to someone who belittles me and acts like I, or the company I obtained credit with, is to blame. I have yet to find a competent person to help resolve my issues. This is very frustrating as who else am I supposed to call?!?! I have no choice in the company that provides credit reports, I am never satisfied with the level of customer service I receive and it takes weeks to get anywhere with a dispute or even an inquiry. I am beyond frustrated.

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