BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card
Issue: Other fee

Complaint:
I have a credit card with Bank of America. I opened an account with the Bank XX/XX/XXXX. During that time I have had many issues with fees being charged. After opening my account, I got a credit card associated with the checking and savings account. I closed all of my Bank of America accounts XX/XX/XXXX, but I kept the credit card. 

I made a payment of {$200.00} on the credit card account, attempting to use their billpay service as my payment service through my primary bank, XXXX, can be unreliable. For some odd reason, the system was n't taking my information so I abandoned the efforts to use their account, re-entered all my information through XXXX, and made the payment through XXXX. Bank of America took the XXXX payment, but then also tried to process the second payment. And charged me a returned check fee to boot. Notably, I was NOT using a check, merely their payment system, which failed. 

The bank then closed my card at some point ( I am not sure when ; the account appears open online, but I was transferred to collections when I called about the fee ), and they are refusing to refund the fee. They even refuse to tell me who to contact to request that the fee be refunded. I 've made XXXX separate requests and been transferred to numerous departments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The financial institution I am complaining about is Capital One 360. Everything started with a call from a restaurant telling me someone was placing food orders for alot of money under my name, but to a different address they had on record. I immediately called the bank after I was told from the restaurant they were gon na refund my money. The bank Capital One 360 advices me to cancel my account, so nobody else had access to it but by doing that I was also closing to the restaurant to received my refunds. They said call back in 3 days and we will contact the restaurant to get your refunds. I checked my account and I noticed lot of transactions that were not made by me going back to XXXX last year. I opened a different claim than the one from the restaurant. A month later they sent me an email denying all Of my claims and saying the investigation came out you usually buy on those stores so those transactions were made by you and yes I buy usually on those stores but I live in MA the transactions were made on XXXX. They still refusing my claims I asked for an appealed or reopen the case and they refused to. I decided to call the stores I could to try to figured if they could investigate and try to refund my money some of them did agree it wasnt me. Today was cobtacted by one of the restaurants saying the capital one is refusing to take the refund back because the case is already closed. So no only they just decided no to investigate ( because I didnt do thise transactions ) but when I did their job of contacting everyone now they are refusing to accept my money back. I called them and they are saying because the restaurants wants to refund they gon na reopened the investigation, and they would let me know in 30 days. It is outrageous this institutions can do what they want with your money. I asked for a full review of the supposedly investigation they did and I havent received anything at all. I lost a lot of money and they are just saying the investigation didnt go on my favored and they refused to give me any explanation or information, I am just supposed to believe what they say and there is not anywhere to complaint about or make them do their jobs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-11
Company: Debt Recovery Solutions, LLC
State: RI
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:
I received a notice from dbt solutions saying I owed on an old XXXX bill. I called them and they told me that I never returned XXXX equipment. I told them that my mother did bring package to XXXX and that she still had the proof. Thy told me to send the proof in. My mother faxed over the receipt and a letter telling them that she personally brought the package containing the equipment to XXXX for me and had gotten the receipt. she even wrote on the receipt when it was received by the company who handles the equipment for XXXX. It does not go back to XXXX but the company I guess who manufactures the equipment for XXXX. It was received on XX/XX/XXXX by a XXXX XXXX. In 2014 she had checked the tracking on line to make sure it was received. Good thing she kept the receipt. She also stated in the letter to dbt solutions that this should never even been put on my credit report in the first place. She told them I wanted it removed from the XXXX credit bureaus because it was XXXX error and this was cleared up 2 yrs. ago.. XXXX would not even talk to me about it because they said this was a old closed account and sold to dbt soultions. This was done over XXXX months ago. As of this date it is still showing up on my credit as XXXX balance but still showing as collection account. This had lowered my score by XXXX points and caused me to loose out on getting a mortgage at that time. I am still trying to get a mortgage to buy a house for my growing family as we are XXXX next month. I want this removed from my XXXX credit reports ASAP. They told me it would be but they never followed through. This has been a nightmare.

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 2020-06-14
Company: Santander Consumer USA Holdings Inc.
State: FL
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:
this account was never late. Chrysler has already updatte the credit reporting agency. XXXX is the only one that did not update correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21
Company: SYNCHRONY FINANCIAL
State: FL
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:
hi On XX/XX/XXXX, when I checked my XXXX account, I see that there are XXXX charges each for XXXX usd to a company called XXXX, to which I did not make that purchase and I do not know which company the credit company is, first I remove the charges and then He put them back in my account alleging my responsibility later I contacted them and they told me to make a report to the police and so I did but later they put the charges back in my account and time has passed the charges are XXXX for the same company XXXX more for that company XXXX more for that company and XXXX as a gif as if I had so much money, that is, a total of XXXX usd I know and I am sure that I have not made that purchase I am retired and my withdrawal is XXXX usd and I can not afford to incur that type of expense. I would never want them to help me with legal advice since I can not afford a lawyer to resolve this case. 
waiting for your help 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 2016-01-23
Company: United Debt Holdings, LLC
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 is not mine

Complaint:
In 2012 I moved from XXXX to the XXXX. I informed XXXX gym 30 days prior to moving that I wanted to cancel my membership due to the fact that in the area where I was moving to there were no gym facilities XXXX within a XXXX mile radius. I also followed up with a telephone call to the club and a visit and they assured me it would be taken care of. This past week I received a letter from an attorney, XXXX XXXX XXXX representing United Debt Holding ( XXXX gym ) claiming I owe {$810.00} and it must be paid immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
As of today, XXXX Citibank credit cards reduced all revolving credit limits on my accounts ( 3 accounts in total ) by {$15000.00} and advised they were not able to provide any information as to why. I was told it was in regards to an XXXX report they received but there was no new activity on the report for several months. I was told I needed to contact XXXX directly for the reasoning which I did and XXXX advised they simply provide the report to the credit card company and all decisions made were in the hands of the credit card company. I called the citi cards again advising what I was told by XXXX  and then they advised it was a decision by citi bank and not them as a credit card company. Ive been a customer since XX/XX/XXXX with citi and always been in good standing. Ive never had a late payment, always paid more then the minimum and actually paid off all limits on those cards last year down to a XXXX balance. I have a fico credit score of XXXX and have not missed a single payment through all of covid. It feels very unjust that Ive been a good customer with no prior issues and had all of my credit limits removed without justification. I have a feeling this is due to the financial impacts they have faced through the course of covid as a company allowing debt relief and assistance for others and Ive become a casualty of that.

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 2022-10-25
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have had a high-yield savings account with Marcus by Goldman Sachs for nearly 9 months. The bank has an offer that allows customers to earn a higher yield on its savings for a period of 3 months for each referral of a new customer. The offer allows customers to refer up to 5 new customers per calendar year. The rate bump started out at an additional 0.50 % APY, but in XXXX the bank increased the offer to an additional 1.00 % APY. When the offer was 0.50 % APY, I referred 3 new customers to the bank using my unique referral link assigned by the bank, which I emailed to the new prospective customers to open their accounts. When they opened their accounts using the unique referral link, almost immediately I received an automated email from the bank thanking me for the referral and my account reflected same. However, when the offer was increased to the additional 1.00 % APY, I referred two more new customers to the bank the same way by emailing to them my unique referral link ( reaching my maximum of 5 referrals for the calendar year ), but this time I did not receive the automated emails nor were the referrals reflected on my account. The customers I referred opened up their accounts on XX/XX/XXXX and XX/XX/XXXX, respectively. I get the impression that this has become a common problem. I don't know if this is intentional by the bank to get new account holders without honoring the offer or if it is a technical glitch on the banks end. There is just one customer service line to call to try to resolve any issues with the bank ( XXXX ). The representatives are not well trained and the supervisors are not helpful. They assign case numbers but never call you back. On one call, I spoke to a supervisor and conferenced in both of the customers I had referred to verify that they used my unique referral link to open their accounts. That supervisor put us all on hold to speak with her supervisor only to come back on the phone explaining that the information on their system was different from what we were all telling her, essentially suggesting that we were lying to her. I have now called the customer service number on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and have yet to have my issue resolved. I feel I'm being treated unfairly and the bank is not dealing honostly with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Not a duplicate compliant. The issue is not resolved. 

XXXX XXXX The company failed to actually resolve my disputes. I have a new one that has proof from a government official but PNC refuses to process my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: WELLS FARGO & COMPANY
State: NC
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:
Months to present date XX/XX/21 Wells Fargo continues to report balance increases on my credit report which lowers my report. My WF account is closed therefore no balance should be accumulating on my account. Ive attempted to resolve this through WF however they have not taken any action.

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 2016-05-05
Company: Ditech Financial LLC
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have repeatedly mailed, emailed and called to request that the escrow for insurance be removed from my account, but Ditech still charges me for it and threatens to charge late fees if I do n't pay the full amount. Everytime I call, Ditech notes the change request in the " system '' and verifies that they have received the hand written request and emailed proof of insurance, but still no changes to my account. There is no accountability and I can see why Ditech has filed for bankruptcy, lost XXXX dollars for this type of abuse towards their customers.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There is a financial account on my credit I know is a mistake. It is from a company called XXXX XXXX. After doing a search for it on online, it appears to be an insurance company. I have never heard of them before. This account is not mine and I would like it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PR
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:
I purchased the Vehicle a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the amount of {$36000.00} and {$420.00} for the title work. Ever since I purchased I left all the pertaining information and paperwork in their hand to finalized the transaction and get my tittle for the vehicle. To this date XX/XX/XXXX I have not receive any kind of information from the dealership about the tittle being issued at all. I have contacted the seller and the tittle work person and so far no response in the whereabouts of my tittle. But they got the money back in XX/XX/XXXX. I want either all my money back plus the interest that I had paid so far to the USAA bank and the fees I pay them to do the tittle services which they failed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage company demands we carry homeowner insurance to protect the property. We can get homeowner 's insurance but because of our budget, we need to pay it off monthly. The mortgage company demands we show that we paid for the entire year. When we explain this to them, they say they will add the insurance to cover property only and then overcharge us to make additional money. The insurance they are charging us, only covers the building and property and not our personal possessions. We can get insurance for our home much less expensive that would include our personal possessions, but the mortgage company wo n't allow us to do this. They insist on adding overly expensive coverage and adding the fees to our mortgage payment. We think this is a rip off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
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: Information belongs to someone else

Complaint:
There is a financial account on my credit I know is a mistake. It is from a company called XXXX XXXX. After doing a search for it on online, it appears to be an insurance company. I have never heard of them before. This account is not mine and I would like it removed from my credit report.

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 2022-02-19
Company: Agency of Credit Control
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went to XXXX XXXX XXXX XXXX to get veneers put on my four front teeth. They prepped my teeth and fitted me with temporary veneers ( that are meant to last 2-3 weeks MAX ). I made an appointment for two weeks out and pre-paid for the rest of my procedure. I had previously already paid for the temporary veneers and prep-work. 

XXXX XXXX XXXX XXXX ended up cancelling my appointment due to COVID. I attempted to reschedule over the next 2-3 weeks and they did not answer their phone regardless of what time/day I called. I went to another dentist who told me if I did not get permanent veneers soon, the prepped teeth will begin to rot and I could lose those teeth completely. I went to a third dentist for a 3rd opinion and he agreed. 

I ended up getting the work done at another dentist ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX ) and they completed the work. I paid them {$4500.00} for the work. I attempted to call XXXX XXXX several times to cancel as they were not able to do the work within a reasonable time-frame after payment. They never returned my calls so I had my bank cancel the check I had written to them. 

They never performed the service they are attempting to collect for and delaying treatment ended up costing me more money ( I had to pay more for another dentist to fix their work than I initially would have in the first place ). 

I've attached a credit card statement showing that I paid a different dentist completely ( XXXXXXXX XXXX  ) for this service and that I ended up paying close to {$2000.00} more than I would have had XXXX XXXX honored their side of our agreement to do my dental work. 

This collection company also served me a notice that appeared to be a lawsuit in the state of CO. However, after calling the court system on the notice I was " served '' I learned that no lawsuit has been filed. This is incredibly predatory to have fake lawsuit documentation and brought to my house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: CURO Intermediate Holdings
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
In XXXX I was served court papers in XXXX county mo on a loan. The loan was with speedy cash but the thing is I didnt take our a loan. They filed papers with the court on a loan I didnt apply for

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-25
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
When I went to XXXX they told me I would not be charge anything else for my procedures they charge my insurance more than XXXX dollars and then I got this bill for the XXXX the I kept calling the office of the XXXX please for more than 2to 3 years every time I would get a bill and the women I charge of the billing would always tell me do n't worry Isabel it 's all handle we will take care of it i have gone back to that office this year and they told me that the women does not work there any more so I called the person in charge for the XXXX and she was the meanest and rudest women ever she told me that she did not care if what I had to say and that it was my problem to just pay the bill so I went back to brand sergical and told them of what had happen and they told me that yes she was bad and mean and difficult to deal with but that if I would get anything else done with them they would lay this off for me I have been trying to fix this for a long time please help me thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: EQUIFAX, 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:
On X/X/2017 I obtain a copy of my credit report from Equifax and notice inaccurate and incorrect information being reported as well as duplicate. 
I know this can be investigated and corrected please validate or remove because these items are only showing in my Equifax report and not the other 2 reporting agencies. 
This is not a refusal to pay but a notice to remove paid accounts and duplicate accounts with the same information please validate or remove because these items are dropping my score.

Company response to consumer: Closed with explanation