BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-21
Company: U.S. BANCORP
State: GA
Product: Credit card
Issue: Other

Complaint:
Because I have earned more free air miles than I can ever use, XX/XX/2016, I accepted the offer of Fidelity Investment to take out a Fidelity credit card issued by Elan Financial Services. At the time I opened the Elan account, I completed an automatic transfer form so that any balances on my credit card account would be swept from one of the accounts I maintain at Fidelity that has approximately {$50000.00} at all times. 

Last Saturday, XX/XX/XXXX, I received via US mail a letter from Elan Financial Services dated XX/XX/XXXX. In the letter, Elan told me that " your automatic payment service has been cancelled ... .. '' This was my first notification of this cancellation, even though I received at least three prior messages from lan via email. 

After spending almost an hour on Saturday working on the phone between Fidelity representatives and representatives from Elan, I was finally told that the cancellation of my automatic payment service was the result of an on-boarding problem between Fidelity and Elan. It was stated to me that the account number ( the only account number I have ) on my Fidelity statement from which automatic payments were to be made was not sufficient for Elan to set up/or maintain the automatic payment service. Why it took from XX/XX/XXXX to XX/XX/XXXX for Elan to let me know this, and then by mail (! ) was not something Elan representatives wanted to discuss. 

And the representative I spoke with clearly did not believe in the legal disclosures she insisted on reading to me to effect the one-time payment I made before cancelling the credit card. During this reading, when I was essentially told to shut up and listen, she insisted on my confirming the correctness of an account number that Fidelity had provided on the phone to the representative. This was not an account number to which I had access. 

The Elan representative did offer to waive my late fees!!! But as today, that has not happened. 
.

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 2020-08-05
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A fraudulent charge was made on my XXXX XXXX XXXX debit card on XX/XX/17 from XXXX in the amount of {$420.00}. The claim was resolved and closed from XXXX XXXX XXXX in my favor on XX/XX/17. 
Claim # XXXX amount XXXX money was refunded. 
Over 3 years later I get a bill from a collection agency Transworld systems inc saying I owe XXXX XXXX for a charge made on XX/XX/17. I mailed in the claim number from XXXX XXXX XXXX. But Transworld wants a claim from XXXX, I have tried to contact XXXX but they have not contacted me back other than giving me a case # and we will research this in order of inquiries. Transworld should be fine with the letter from XXXX XXXX XXXX showing it was closed and resolved. Which I mailed to them a copy of and showing the charge on my statement from XXXX and showing it was refunded. I have also asked Transworld to mail me an original bill from XXXX and they have not provided me with it. 
XXXX invoice # XXXX Transworld regitration code XXXX I do have a case number from XXXX XXXX  XXXX Reference ID : ref : XXXX : ref

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/XXXX I was phished for a Chase Quick Pay scam. The seller coaxed me into sending him a partial payment for a product he was going to deliver to my address. I agreed to use Chase Quick Pay as it was a product that was integrated into my banking app, making me believe it was a secure platform that would allow for disputes in the case of fraud or services not rendered. Throughout the course of the transaction, I was never once prompted with a disclaimer that there was no fraud protection on their platform, additionally, I was never prompted that this was a third party platform not connected to Chase, even though it was part of my Chase banking app! I have been a customer of Chase for over 10 years, and can't recall receiving any detailed information from them regarding the safety of the Chase Quick Pay platform and its vulnerabilities to fraud. On XX/XX/2020, I Chase Quick Pay the seller {$120.00}, and contact from them stopped. They were never able to provide me with a tracking number, and have since stopped responding to any of my communications. When I spoke with a Chase representative at my local branch, I was told there is absolutely nothing they can do, and that there is no fraud protection associated with Chase Quick Pay. They noted that in the fine print it says to double-check the recipient you are sending too, but that is really all they could advise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-04
Company: HYUNDAI CAPITAL AMERICA
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Every single day for the past six months, XXXX XXXX ruthlessly calls my phone various times of the day even after setting up promises to pay as well as payment arrangements towards my vehicle loan. One instance, I was harassed and mildly insulted by an operator on XXXX XXXX XXXX after calling them to pay them a full months + additional principal. The operator kept on vexing me to pay {$700.00} on a {$560.00} payment when I repeatedly told her I was only paying {$600.00}. The operator also failed to put in the right payment information and responded in a tone of voice that was very insulting. The operator after her was very helpful and pleasant to deal with.

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 2020-01-04
Company: BARCLAYS BANK DELAWARE
State: AL
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 checked my credit report and saw that there are two fraudulent accounts on my credit report. One is from Barclay 's and the other is from 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 2020-08-05
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
This company has engaged in a very deceptive, predatory loan practice. I am being charged interest of {$7900.00} on a {$7000.00} loan. This was not clearly outlined in the online process and all of the payments so far have barely moved the outstanding balance. I have contacted the company many times with no response. This loan needs to be review and adjusted. My account number is XXXX. Loan with this type of interest should be illegal as this is equivalent to an online payday loan which is not legal in the state of Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Sa-Vit Enterprises, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter to XXXX disputing 3 account as erroneous on ( XX/XX/2020 ) and mailed them certified mail with tracking. XXXX   received the dispute on XX/XX/2020 and I have NOT received any investigation in reference to the erroneous accounts that are effecting my credit rating.I then sent a follow-up letter on XX/XX/2020, which they received on XX/XX/2020 complaining about them violating the law by not investigating the false accounts that are reporting inaccurately on my reports. To date, XX/XX/2020 they have not updated my reports reflecting my current disputes even though they received them. I want to also make a note that i contacted all of the Creditors directly to request a verification and have NOT heard any response from them as well, Except XXXX XXXX  who removed the inaccurate account. I want to make it known that this is my final attempt to resolve this matter amicably before I pursue legal action against XXXX, Sa-Vit Collection agency, and XXXX XXXX XXXX, XXXX for non compliance with the law, damages for emotional and physical distress, statutory damages, and attorney fees and court cost.

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 2016-08-03
Company: URS Holding, LLC
State: NM
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have a couple of credit cards with XXXX for several years. And, has another XXXX with XXXX For 3 consecutive months I noticed that from my XXXX checking account was withdrawn {$220.00} for XXXX/XXXX/2016, {$220.00} in XXXX/XXXX/2016 and {$220.00} in XXXX/XXXX/2016. 
The above withdrawals was described as " External withdrawl XXXX XXXX XXXX Ext trnsfer ''. After contacting XXXX, I was informed that the XXXX ( XXXX ) withdrawals was by United Recovery System ( URS ) with XXXX phone no. 
I feel that my consumer rights are violated by URS by electronically withdrawing my money with out prior notice. And, my XXXX checking account was penalized with overdraft and other fees. 
The URS in other words financial stole/hacked my account since the are able to discover my XXXX account with authorization. 
I trust the CFPB will look into this matter and am thankful for the protection CFPB has delivered to the victimized public like me a XXXX year old retired senior citizen living on social security pension and still raising a family. 
Respectfully yours, XXXX XXXX XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2020-08-05
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I called CMRE XX/XX/2020 in regarding to dispute the validity of the debt that isnt mine the representative by the name of XXXX was abusive and racially used the word gal as I corrected her to be professional she stated stop being a dramatic XXXX and gave me account number # XXXX and hung up the phone in my face after I said that they are violating the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
My mortgage was started originally with XXXX Bank and then XXXX Bank changed banking of mortgage and turned my paper work over to SLS ( Acct # XXXX ) I decided that i did not want to be with whom XXXX threw me to and chose to continue my mortgage for my home with XXXX XXXX ( Loan # : XXXX ). SLS gave me information that i had to pay monies in order to retrieve original documents from an attorney office called XXXX XXXX XXXX XXXX. I did all they requested and paid monies but SLS and the attorney has not forwarded the requested information over to XXXX XXXX and this is hindering me obtaining a closing date. This would be my second time going through this process and getting no where with SLS. Everything that XXXX XXXX of XXXX XXXX has asked and requested, i have given and except for this part of the transaction. I can go no further with XXXX XXXX unless SLS releases documents Underwriter is requesting from them. I feel as though they are trying to force me into staying with them and i do not want to. XXXX XXXX XXXX from XXXX XXXX XXXX XXXX is very rude and never returns any calls. She told me it was out of her hands but it is SLS who they acquire paper work from and forward over to appropriate parties but it seems she has not a care. I am requesting help immediately to resolve this problem, as it has been going on for 2 years now. Any assistance would be gratefully appreciated.

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 2017-03-29
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
on two separate occasions a company identified itself as Wakefield & associates contacted my fiance and disclosed that i had a medial debt with them. They did properly verify who he was. I believe this is a violation of the FDCPA 3rd party disclosure laws and maybe even a Hippa violation. The calls were placed on XX/XX/2017 and XX/XX/2017. to pone # 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 2020-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-08-05
Company: PNC Bank N.A.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I tried linking my XXXX account with my pnc account ( which i need to do in order to start investing with XXXX  ) and it said that pnc " made a change '' which i dont know what it means and it didnt give me any information regarding it, this issue needs to be resolved if i am to use pnc services going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: U.S. BANCORP
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XXXX for period XXXX showed balance of my rewards as {$81.00}. It was after credit of {$14.00} was made on that statement, which means that the balance of rewards was produced after that credit. the next statement for the period XXXX showed a balance of rewards of {$81.00}. I have not used that card until XXXX of XXXX. That statement for the period XXXX failed to indicate of what was my previous credit balance and indicated only my " new balance '' for that period which obviously included year XXXX only {$10.00}. When I called today the credit card company ( i.e., XX/XX/XXXX ) and talked to a lady by name XXXX, she told me that the balance is only {$73.00} and deductions were made for those XXXX credits mentioned in previous statement?! Such huge deduction was unjustified and unfair. That last statement with {$10.00} credit indeed shows a deduction of {$9.00} for a fraudulent charge to my credit card but that deduction does not justify that judge reduction in my rewards 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 2017-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have spent numerous hours and disputes to try and get Transunion to correct negative accounts on my credit report that   XXXX   already has corrected. I did not have near the problem with  XXXX , that I seem to be having in getting Transunion to correct. There are accounts that are suppose to be deleted, as well as accounts that are duplicates

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 2015-09-29
Company: Stellar Recovery, Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I turned in the equipment from my XXXX account years ago and they continue to call and harass me. I have received several calls from spoofed numbers regarding this merchandise. During one of those calls they signed me up for services that I had not requested. I told XXXX them over and over again that I turned the merchandise in. XXXX uses bait and switch tactica and actually several times signed me up for things I did n't ask for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
THIS ACCOUNT WAS DONE WITHOUT ME KNOWING THAT IT WAS FILED

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 2016-04-20
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a state tax liens still showing on my report that was withdrawn in XX/XX/2011. On multiple occasions I have disputed this with Equifax , Providing Equifax with copies of the State Of Alabama Department of Revenue Release forms which states " A tax lien can be withdrawn and released by the department conditioned on payment in full ( which I will also attach here for you ) this tax lien has been paid in full but Equifax will only report it has been released. I have also verified with each county that the lien withdrawals have been recorded. Equifax continues to improperly report the lien. The other CRA 's ( XXXX ) removed the lien from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CAPITAL ONE CREDIT CARD ( XXXX XXXX ) ( Original Creditor : 12 CAPITAL ONE BANK USA NA XXXX ) IS CLAIMING I OWE THEM {$260.00} AS OF TODAY, THE ACCOUNT WAS CLOSED AROUND LATE 2019 DUE TO MISLEADINGS AND CHARGES WITH THIS BANKS SERVICES. 

XXXX XXXX ( Original Creditor : 12 CAPITAL ONE BANK USA NA XXXX ) did not supply all requirements under 15 usc 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
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:
It's not my account, i'm not responsible for any transactions. I didn't sign documents or contracts with this 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 non-monetary relief
Consumer complaint received 2022-09-16
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Citibank allowed the passport agency of the US Department of State to cash the same check twice. Check number XXXX in the amount of {$130.00} was cashed twice on XX/XX/2022 and XX/XX/2022. 

I submitted a passport application to the passport agency in early XXXX this year but got returned due to the passport photo containing glasses. They cashed the check despite not processing my application. Then I submitted the same application with the correct photo without a check but they cashed the same check a second time.

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 2016-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am XXXX working with homeowners on modifications of their mortgages. When the modification involves placing the arrears at the end of the loan the permanent modification documents indicate the current principal balance ( ex. {$100000.00} ) and then the balance of the new modified mortgage ( ex. {$140000.00} ). The balances are regularly significantly higher but there is never a breakdown as to how they got to the higher number. There could be errors that are made but the homeowners are signing onto the higher amount out of desperation. What are the arrears, taxes, attorney fees, costs etc that are being included? The banks have to have the breakdowns readily available. They should be required to provide them in the permanent modification packets.

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