BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-27
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Dear Sir/Madam, I am writing in hopes to resolve a particular dispute with Scottrade Bank and their affiliates collectively referred to as Scottrade. 

Scottrade maintains that I should file arbitration against them for the purposes of resolving a customer dispute, however, neither Scottrade Bank nor Scottrade Brokerage have confirmed the existence of a valid arbitration agreement and has refused to answer any of my inquiries for details. 

I am writing this letter to address a very specific issue. Specifically, I would like a copy of the full " consumer contracts '' that were formerly signed in order to open a Scottrade Bank and Scottrade Brokerage account. 

Please be advised that I previously requested this information from Scottrade Bank and Scottrade Brokerage but was not supplied with an original account agreement. I signed up for the accounts XX/XX/XXXX, however, Scottrade Bank and Scottrade Brokerage provided me with an unsigned copy of a " consumer contract '' that had numerous revisions from the XX/XX/XXXX version of the contract. 

The contracts Scottrade Bank and Scottrade Brokerage use have " tracking numbers '' in the bottom left margin of the page that indicate the year and date. Therefore, I am kindly requesting Scottrade Bank and Scottrade Brokerage provide me with the corresponding and original XX/XX/XXXX version of the sign contract and not a XX/XX/XXXX version that is materially different. 

Sincerely Yours, XXXX XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2020-03-06
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:
This complaint is a formal complaint that you have ignored my previous requests and failed to maintain reasonable procedures in your operations to assure minimum possible accuracy in your credit files you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

Please refer to my previous letters and complaints for proof of my previous requests and notice of the compromisation of my social security number, and identity theft.

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 2022-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I used my Bank of America XXXX XXXX card to book travel for 3 people through the Bank of America XXXX XXXX. Travel dates were in XX/XX/XXXX and travel could not be completed due to Pandemic. 

I was told by the Bank of America XXXX XXXX that I could use the credit toward a future flight with the same airline. I was also told later that I could have the amount fully refunded per the XXXX 's policy. 

However, since the pandemic Bank of America has kept their XXXX XXXX completely understaffed and every call to try to use the credit winds up in 3-5 hour wait. There is no option to use the credit online. 

After many calls, I was able to use a small amount of the credit on one out of 3 tickets to book travel back in XXXX and I was told i could use the remainder of that credit at a later date and that the two other tickets could still be used in full or refunded. This is shown in Bank of America XXXX XXXX XXXX notes as verified by multiple agents yet they have failed to honor it. 

I have tried on multiple occasions to use or refund the credits. However, after holding for 3+ hours each time to get an agent and then being put on hold by that agent for another 3+ hours no one has resolved this matter. No one has even given me a straight answer. I've waited on hold for over 20 hours in total with their travel center, the last time I waited for so long that it was past midnight and the agent who was " helping me '' never came back to the phone. 

I have been told multiple times after holding for 3+ hours that a supervisor is needed and they will call me back and then they don't. And the loop starts over. 

Every follow up is another 3-5 hours of waiting for someone who can not resolve this issue. It appears to be intentful from Bank of America XXXX XXXX card to make it near impossible for consumers to get a refund or use their travel credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
I contact the company and inquiry about a negative on my credit report and its states that I am been late in paying them every month with credit bureau. The account has been close for three years so how can I be late paying them.

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 2023-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
My card was stolen. I reported this to capital one. They opened an investigation and refunded my account. Charges were still being made fraudulently throughout the investigation. So my bank flagged capital one. This led to All payments made to my account being returned NON SUFFICIENT. Due to this capital one closed my account. Even though they say we are not held liable for fraud. This has caused me XXXX points in my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
M & T Bank serviced my home loan until I refinanced in XX/XX/XXXX. Closed escrow and signed documents on XX/XX/XXXX. Notified by title company that annual tax bill was included in closing costs and that M & T Bank would be sending me balance of escrow/impound account ( between $ XXXX {$1900.00} ). M & T Bank the paid the taxes 3 days later using escrow/impound funds, told me that I needed to contact my countys attorney authorities to initiate return of funds. To date I have not received return of escrow balance and conformed with tax authority that funds for tax payment was wired on XXXX almost 30 days after signing documents with title company. Customer service has been unhelpful and provides wrong and conflicting information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: National Credit Systems,Inc.
State: NJ
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:
On XX/XX/2019 I sent a 3rd party debt validation letter to National Credit Systems requesting any contractual agreement between me and their agency and to this date no proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. The alleged debt is in the amount of {$4500.00} which is a fraudulent charge. By law pursuant to 15 U.S.C. section 1681 ( s ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), Nation Credit Systems has failed to validate this alleged debt within the ( 30 ) day time frame as pursuant to 15 U.S.C. section 1681 ( g ) ( 4 ). They have NO signed contract with my signature stating that I give them ANY permission to access my credit reports as pursuant to 15 U.S.C. section 1681 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Alliant Capital Management LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
A person named XXXX is calling me from XXXX XXXX  regarding a transaction i authorized. He calls me and started calling my coworkers with the same message he calls from the number XXXX XXXX XXXX. The message says that there will be consequences if i don't call back!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
With both XXXX  and Trans Union I am not able to get my credit report I even paid XXXX  and they charge my card twice and I still have not gotten access to my account where I could see my credit report when I called the XXXX numbers for both XXXX  and Trans Union they are saying that my ZIP Code and my social does not match but on the three credit reporting agencies they do show my report This is crazy Im trying to get out of debt and and I have told them I can not get through the telephone line for the pre-screening being incorrect with my social security number I have made a police report because some furniture was charged in my name but I cant even speak to a live agent or a foul a dispute because I can not get past The phone screening and that is messing up my credit And its not fair why should I have to Have bad credit because theyre screening will not allow me as a consumer as well as a person who they have all of my valuable information but will not give me access to it this is how I get a home this is how I get vehicles but I cant see what Im doing

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 2018-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2022-09-16
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 information incorrect

Complaint:
XXXXXXXX XXXX XXXX  account was paid and they are refusing to update 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 non-monetary relief
Consumer complaint received 2020-03-06
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
On XX/XX/XXXX I cancelled the prepaid maintenance plan that I purchased with the car on XX/XX/XXXX. Per the contract, I am to receive a pro-rated refund for the months not used. I paid {$2000.00} for the maintenance plan. There were 15 full months left in the plan term. At {$58.00} per month, this amounts to {$870.00}. There is a {$25.00} cancelation fee stipulated in the contract, so the refund I should have received is {$840.00}. The contract states that this refund will be received within 30 days of cancelation. It is now XX/XX/XXXX and I have not received a refund. Not only that, but the amount I was told I will be getting back is {$790.00}, which is {$58.00} ( rounded ) less than the calculations based on the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: Affiliate Asset Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection agency has tried to collect a debt from me in unfair ways, which I've complained about previously. This medical debt was a result of a mistake by the provider and has been written-off by the provider. The provider as well as this collection agency have notified me in writing that my account is closed and I do not owe them any debt. 
I have just received a new email from this collection agency asking me for the full amount, again! This is a never ending nightmare. This is absolute harassment. Once again, the FDCPA states that debt collectors can't use false, deceptive, or misleading practices. This includes misrepresentations about the debt, including the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My significant other started receiving restricted phone calls on her phone. She picked one up on her lunch break. They told her who it was. Being that shes a collector she knows they have to call with a number that you can call back on the caller ID and can not restrict the phone calls. She advised the rep it was not me. And told the rep of this. The rep completely disregarded this was rude and kept asking if she was my wife and would not even speak of the situation and illegal tactics at hand. They called 4 times yesterday, 4 times today from this restricted number its harrassment as one time was only about a half hour apart. Its was XXXX and they called already 4 times. On top of the 4 restricted calls today they also called her from at least 1 unrestricted number as well which makes 5 calls before XXXX XXXXXXXX. They have also affected her one card she has through them in a retaliatory manner due to me missing one payment they advised it was due to her credit score decreasing when it actually  increased. We do have her phone records if needed as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-04
Company: Westlake Services, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company called my cell phone on XX/XX/2020 Seven ( 7 ) times within a 5 hour window, so roughly a call an hour. When they call they call back to back so 2 calls each time. I answered the 7th one. They also called from multiple numbers not just 1. This is not the first time either, I am just tired of it. 

It is disturbing to have that many calls from the same company so frequent. It is annoying and a nuisance. And I am sending the company a cease and desist to avoid further collection practices like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
account was obtained by someone who used my identity, please remove this account from all credit reporting agencies and all negative remarks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My account was closed after a check for {$100.00} did not clear. It was not presented a second time. When an attempt was made to take care of the overdraft using a second account ( business account ) at the same bank, I was informed they were closed. I had also received a letter from the bank telling me to not do anything further on the accounts. At which time I did not. On XXXX/XXXX/13 Fifth Third bank recklessly reported " suspected fraud '' but gave me no indication this would be taking place. I was previously working with the rep " XXXX '' in their fraud department who asked for a copy of the letter stating not to take any actions on the accounts in question. This document was supplied and I have had no contact with Fifth Third or it 's representitives since then and the remark is still listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Persolve, LLC - Legal - Series 2
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have attempted to call the debtor to no success to tell them this debt is not mine. Now I need this debt validation for additional records

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
All my bank accounts at Citibank were blocked and then closed without previous communication. After they closed my bank accounts, they sent me a letter only stating that they decided to close banking relationship with me without giving any reasons. I called the bank to find out the reason and they said because I received an SBA loan into a personal bank account. I have provided with all the information they requested, I sent them a fax explaining how the process worked with the SBA and they don't answer nor respond any of my questions. On XX/XX/XXXX, I went to a Citibank branch and they called the fraud department, the lady from the fraud department named " XXXX '' told me that I didn't have any funds and that I wasn't going to receive any money from the bank. Citibank has my money XXXX and I need to know why they won't give me more information. The fraud department at Citibank has hung up on me " literally '' 3 times, when I ask to speak with a supervisor or someone that could give me more information, the representative ALWAYS terminate the call by saying " I have given you all the information and this call will be terminated '. I am being treated as a criminal, I'm asking for answers and all I get is the worst unfair and rude treatment from this bank. I understand the fact that a bank can terminate banking relationships with an individual, but, I can't believe that a bank can take a money that doesn't belong to them, and this behavior is called " stealing ''. Thanks in advance for any help provided!

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 2016-05-21
Company: Empowerment Ventures, LLC
State: NC
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I put money on RushCard, my entire paycheck, and a few days later my card was declined at the store. I knew I had the funds so I called them to find out what the issue was. The money was there but without my permission or knowledge, RushCard blocked my card. This is something they claim ca n't be undone. I had to wait to be sent a new card and in the meantime, no money. Nothing. I get XXXX cards delivered and they ca n't activate either after being assured by a supervisor that activation would n't be an issue. Time it takes to notify corporate to manually activate a card? A few BUSINESS days ( the exact number dends on whow i talk to ). While I wait, my card remains blocked. While they try to figure out THEIR issue, they still refuse to unblock my card. They have the most non-caring, ignorant cust srv reps that I have ever encountered in my life who ca n't half speak or understand XXXX. They apologize, that 's it. That. Is. It. Escalated issues are not handled there but at corporate office and you ca n't find a phone number or address or get it from the cust srv. They give you an email address, not to corporate, it goes back to them. It is scary that people that essentially steal money are allowed to do business in this country. As of today, I still do not have access to my own money. When I call, I continue to get the run around and the number of different updates I 'm given on my account depends on the number of representatives I talk to. I need my money for groceries, bills, gas and no one should have the right to put me in a position where I ca n't pay my bills and access the money I worked for. RushCard caused this situation, as well as others and as usual they are n't doing a thing to rectify it and THOUSANDS of others will and have experienced thsee same issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have been under CarHop Finance for my car XXXX  XXXX  XXXX  and the car computer has broken and left me and my wife stranded for three days in the city at a gas station with no money no ways to fix it the computer broke on the car and then they would not fix the car I was left no other option but jump on a bus and take my family home I have not seen my car or anything or heard anything about it they're charging me for this car but I do not have this car they are unwilling to fix the problem of the they car sold they sold me the car I would like to be forgive him for this loan and I want to sue for the problems and issues of CarHop CarHop not help me fix my life but made it worse my family is struggling everyday to keep finances straight with the world and covid-19 taking in the fact I have not been able to recover.

Company response to consumer: Closed with explanation