BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-03
Company: ADP Inc.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Before XXXX ( around XXXX ) my employer switched Payroll company from XXXX  to ADP. 
Accrued funds ( up to the moment of transition ) were transferred accurately on XXXX BUT just the employee contributions for XXXX and XXXX ( and not XXXX ) were allocated to my 401k account. 
I wrote to the plan administrator ( in my company ) and he asked me for more time as he knew the transition had not been fully reconciled. 
Time passed and the rest of the contributions from XXXX on ( both employer and mine ) were posting with no issues. 
In XXXX I decided to leave the company and contacted my plan admin again to have the account reconciled as I was leaving in XXXX. He told me it has been fully reconciled and I explained to him there were still differences, missing contributions. He asked me to contact ADP. I tried, they refused to talk to me and asked me to do it through the plan admin. Finally I was able to put us all three together in the same call. In which they realized it was not only me but almost all the employees were missing contributions allocated ( about XXXX USD ) so they started the investigation and fix. 
To make the story short, in XXXX, after NEVER replied to my emails asking for updates on the fix, they credited the missing employer matching contributions for XXXX and XXXX, but still the never posted the missing contributions ( employer / empoyee ) for XXXX. 
In early XXXX, after left the company in XXXX, I was able to be transferred to a supervisor who listen to my complaints and was able to contact the person who was supposed to fix this mess, he asked me for patience and I told him about my decission to file a complain with you if they dont have this addressed before year end. 
Still, XXXX contributions are missing for almost all employers @ XXXX XXXX. In my case is XXXX USD, but for around 60 people in the company, some of them putting higher amounts towards their retirement is considerable. For not to mention the possible dividends they may have lost in 6 months according to their investments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05
Company: Genesis Lending
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was enrolled at the XXXX XXXX XXXX from XXXX XXXX to XXXX XXXX. I 've filed for loan forgiveness with the U.S. Department of Education. Not only did I have federal Loans but I also had private loans with Genesis Lending which I have since paid off. I was doing additional research on your website and located the page the discussed CFPB is seeking redress for all the private student loans made since XXXX XXXX, XXXX, including those that have been paid off. I am reaching out to see if I am eligible for reimbursement.

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 explanation
Consumer complaint received 2016-08-11
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I found a collection on my credit report. I called the company to tell them it is n't mine. I had already filed a police report with a different collection agency last year. This debt keeps recurring from different collection agencies. Although I offered to send them a copy of a police report made on the same debt last year, they insist I complete their " packet '' so they can investigate. When asked how long this would take, the answer was that they did n't know ; it would take as long as it takes. I feel like I am fighting an uphill battle with these people. The address where the debt originated is on their report, but they say it is my responsibility to prove I do n't there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Experian Information Solutions Inc.
State: NY
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:
The three credit bureaus XXXX, XXXX, and Experian have been causing me extreme distress. Each of these companies have been reporting incorrect information on my credit report! This is really frustrating because I have sent them countless letters and to no avail they aren't even responding to my letters anymore. No explanations or anything, they have completely ignored me beyond the point of disgust. With each of these bureaus reporting different information on these accounts there is absolutely no way to prove who is right and who is wrong. Also this is against FCRA guidelines, per the FCRA each bureau must report identical Information to a credit report and neither credit bureau as adhering to FCRA rules. It is truly disturbing when you have these credit bureaus getting away with such injustices. If they continue to get away with it they will continue to do it. Please help in resolving my issues, thank you.

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 2015-08-28
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Mortgage - they were over charging me for escrow on property tax. Overcharging me in excess of XXXX a year. I contacted them and they promised to correct it and send me a refund. I was told it was handled. So I started paying what I thought was the proper/adjusted mortgage payment. As a result they charged me with " late payment '' with fees and it showed up on my credit report. This has been a negative mark on my credit. Finally after repeated calling they did take care of it and issued me a refund for overpayment. They never removed the credit errors of " late payment ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: Northwest Collectors Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have no knowledge of this debt or the creditor. It is reporting as open on to the credit bureaus and is negatively affecting my credit profile.

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 2017-02-23
Company: REGIONS FINANCIAL CORPORATION
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Prior to XX/XX/XXXX, I went inside a Region 's branch with my XXXX offer for opening a new account. The offer stated that I needed to make at least XXXX debit card transactions within 60 days of account opening and have e-statements to receive the promotional deposit. Since that time, I have sent and received dozens of messages through my online banking at Regions trying to confirm the promotion and that I have met the terms of the bonus. Multiple times I have been told by Regions that my account was registered for only a XXXX bonus that required direct deposit. I know this is not the case, and I have attached the pertinent account promotion page and opening document clearly showing my registered email address : XXXX as being signed up for the account.

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 2022-01-03
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Made a deposit at the U.S Bank ATM at XXXX XXXX in XXXX XXXX, CA. 
The ATM instead disbursed an error receipt, which read A MACHINE ERROR HAS OCCURRED AND WE ARE UNABLE TO CREDIT YOUR ACCOUNT OR RETURN SOME OF THE ITEMS YOU ATTEMPTED TO DEPOSIT. PLEASE CONTACT XXXX SO WE CAN ASSIST IN THE RETURN OF THESE ITEMS. 
I called, they opened a claim that they said would take XXXX days to get to, and if I needed immediate assistance with credit to my account to walk into my local branch. 
I drove over to the XXXX XXXX branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX and spoke with Branch XXXX, XXXX XXXX. 
She was very rude in assisting us, and did not answer questions I had. Instead told us the XXXX or XXXX number given they unfortunately always send people to the branch thinking we can help and we can not. I asked her the vendor/third party who services the US BANK ATM XXXX and she she why do you need that information? I replied, is it in your policy to not give that information? She replied, The third party vendor is irrelevant to this situation! I replied, it is of relevance to me. So again, is it in your policy to not provide that information? XXXX replied, I am sorry but I can not help you with your situation. 
I am disappointed at the customer service and lack of help. With other banks, they credit you while in investigating the issue, as in this situation it is not the customers fault. Whoever the third party is that maybe services the ATM dropped the ball, and now I am out of funds because I trusted the US BANK name.

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 2016-01-26
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company EOS CCA has been mailing me for the past 2 years trying to collect a debt that they do not own. 

I had a balance to be paid to XXXX XXXX XXXX over 4 years ago. On XXXX XXXX, I called XXXX XXXX XXXX to take care of this matter. XXXX XXXX XXXX told me that the debt was sent to collections and provided me with the info of such collection company - which is NOT EOS CCA. 

The collection company & XXXX XXXX XXXX collaborated so I could pay off my debt & open a new Cell account with XXXX XXXX XXXX. I got a letter from such collection company indicating that the " Original Account from XXXX XXXX XXXX has been settled in FULL. and that Payment was received on XXXX/XXXX/XXXX. '' Such collection company also updated my credit report & indicated that the account was settled in full. 

However ... since all of this happened, seems like this EOS CCA company got a hold of my personal info and has been mailing me since XXXX XXXX. 

I moved homes this summer and now they have found me again!! 

I called them to the number they provide on their collection letter, and they have pleanty of my information ( Full name, address & phone Number ). 
They also claim that they purchased the debt from XXXX XXXX XXXX on XXXX XXXX XXXX!!! 
How is that possible? 

I called XXXX on XXXX XXXX to take care of this matter & they NEVER mentioned this company. 

EOS CCA has almost the same account number that the one that XXXX XXXX XXXX & the other company had, but it differs from only XXXX digits. 

Also, when I called EOS CCA to get an email with docs proving of the debt I owed he said that they do not email. But he said that he could send me another letter that would like exactly like the one I just got from them. 

When I was disputing my debt with the other collection company, they quickly emailed me docs to prove what I owed and how we could fix such. 

As a conclusion, EOS CCA is either a scam company trying to get money from people that is struggling with collections. Or a poorly run company that does not check facts on the people they are trying to collect money from.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
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: Account status incorrect

Complaint:
On XX/XX/2019, I sent a check to XXXX XXXX XXXX in the amount of {$19000.00} to pay off my car. I spoke with a representative about the agreement to pay this amount and the stipulations we agreed to. On the check for {$19000.00} I wrote the stipulations of our agreement. The stipulations were as follows : By cashing this check, you agree to this contract : 1. Show as paid 2. Delete negative items on credit report 3. Cease collections Check number XXXX was cleared through my bank account on XX/XX/2019. 
XXXX has breached their contract with me regarding the stipulations that were agreed to. The account status is listed as derogatory and the current payment status is listed in collections/charge off. It has inaccurate informtion with months listed as not paid and that the account paid was less than the full balance. These statements are inaccurate, incorrect, and in breach of the terms of our contract by XXXX XXXX cashing the check for the full balance.

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 2016-10-26
Company: Gragil Associates, Inc.
State: VT
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
this has been paid and settled and the original debtor agreed to have it removed but the collection agency wo n't remove it gragil is supposed to remove it but have n't yet

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I purchased a package of 15 Coolsculpting cycles from XXXX The total package was {$13000.00}. I paid {$3400.00} on XX/XX/2021 and I paid {$4000.00} on XX/XX/2021. I used 7 cycles, two of those cycles never properly attached to my skin and the tech noted that in my file. I tried to get a refund for the 8 remaining cycles and they refused to refund my money. Reflections response : XXXX, We have to pre-purchase the cycles, so they are non-refundable. I will be happy to get you scheduled for the remaining treatments at your convenience. Please let me know if you have any questions. 

Im not happy with the cycles that I received. 2 cycles which never attached to my skin which caused my abdomen to be uneven and it takes three months before you see results. 
On XX/XX/2021 I disputed the {$4000.00} charge from XX/XX/2021 and BB & T declined my requested because the disputed I submitted wasnt reviewed by someone in Fraud Protection by the deadline which put it over the deadline. I dont feel like its my fault as long as I disputed the charge prior to the deadline. Ive made several attempted to discuss this with BB & T and the issue still remains. There were a couple other charges I disputed around this time that were never resolved either. XXXX XXXX XXXX XXXX XXXX XXXX  and to be honest, I didnt really think or have time to go over my bank statements. At the time I wasnt worried about bank transactions. But when I was able to go over my statements, there were a couple of issues, a charge for a hotel that I was charged twice for, totaling {$860.00} and another duplicate charge from a moving company totaling 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 2020-06-12
Company: Experian Information Solutions 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:
I recently discovered that a collection I paid was not mines. I will be suing the collection company to recover my funds However, I attempted previously to have item removed by XXXX and received a letter from stating the account was verified as accurate. I request written verification or removed accordingly. Again, I sent XXXX a letter which they received XX/XX/XXXX via certified. I ask them to remove the unverified collection account or to provide written verification documentation. I knew they would not be able to provide proof because the debt was not mine. I also reached out to XXXX and they recognizes this and removed the collection immediately. I have not received written verification because it does not exist and the collection continues to be reported. 

Experian has also failed to provide WRITTEN VERIFICATION, not false certification by XXXX, but by a signed agreement or legal document with my signature or voice authorizing the amount they claim is past due in collection.

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 2016-08-08
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
A couple months ago I became aware of the existence of a credit card opened under my elderly mother 's nickname listing me as an authorized user. I believe her caregiver snagged the card from the mail and activated them. My mother nor I have ever used these cards. I have been sent in repetitive circles by the credit card comapny trying to get this issue investigated as the fraud it is.

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 2022-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Total amount I disputed- approx XXXX $ Date ranges XXXX XXXX Bank of Americas Edd prepaid card services. I inquired with a representative over the phone if I could still file a claim that took place the previous year. The representative said yes and I was eligible to file a claim and submit it for review, I had already previously filed a claim but only one out of the multiple charges was approved at the time I filed it. Anticipating the results I was informed by Bank of America via written notice the 365 day federal regulation prevented them from completing the claim and its being denied. Why would the representative not have access to that information? I was relayed information that it would be investigated accordingly and it was still able to be processed

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 2022-01-03
Company: Experian Information Solutions Inc.
State: CT
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-01-03
Company: EQUIFAX, INC.
State: CT
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: E*TRADE BANK
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/2015 I received a refund check from the Pennsylvania treasury in the amount of {$2500.00} via regular mail. I attempted to deposit it into my joint check account with my wife using Etrade mobile application check deposit. Initially it went thru but later I noticed that the bank rejected it and charged me XXXX and upon calling the bank and asking why they told me that the check was considered 3rd party based upon my last name being first and first name being second. I was advised to just mail in the deposit with a deposit slip which I did. Etrade bank received the check on the XXXX/XXXX/2015 and I noticed that they did not deposit it, after calling, emailing and more calling I was advised that the check is still considered a third party because my last name is first and that due to new banking laws they can not deposit it. I was told to fax them a letter of instruction changing my name on the account and then they maybe could deposit my check. I provided a letter of instruction citing that my name is as it appears on the check with the last name being first. I was told that the check name needed to be changed in order to process it. I called Pennsylvania Treasury and was advised that this is something that they do not do and that all checks are issued with the last name first. I advised the bank of this and was told that there is nothing that they could do. Etrade bank also refuses to return my check citing they must hold it for 20 days before returning it. In the meantime Etrade bank is hitting with service fee 's in the amount of XXXX each and to date there are {$300.00} in fee 's that they hit me with because they refuse to deposit my check. I have also been charged XXXX for the rejection by the mobile application. I do not have access to my funds and Etrade refuses to return the check.

Company response to consumer: Closed
Consumer complaint received 2022-01-03
Company: Experian Information Solutions Inc.
State: VA
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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