BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-13
Company: Kikoff Inc.
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have an account with Kickoff bank which I realized is a BIG mistake. First, on XX/XX/XXXX, I realized that someone made 5 unauthorized charges on my account. It is very hard to find a number to call, they do not advertise a number. I finally got a number and got through to a woman with very broken English named XXXX who refused to help. I repeatedly asked for a supervisor and XXXX said numerous times that we dont have any supervisors. That is the most UNPROFESSIONAL AND UPSETTING RESPONSE BECAUSE MY CARD WAS STOLEN. The charges are as follows : XXXX XXXX : {$1.00} XXXX XXXX XXXX XXXX XXXX : {$19.00} XXXX XXXX ( 2nd charge ) {$19.00} XXXX XXXX : {$10.00} As Im typing this, someone continues to try and use my card. What is upsetting is XXXX refusal to help. Someone is trying to drain my account and I got ABSOLUTELY NO HELP FROM XXXX, nor would she allow someone else to help me. I want my funds back and I want this done IMMEDIATELY. I do not appreciate speaking to someone who barely speaks English and yet refuses to help me. My card number must have been stolen and she refused ANY HELP. Any further damage to my account is because of XXXX. She should be fired. You should have help for your consumers that are seeing fraudulent charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-11-02
Company: General Motors Financial Company, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following are hard inquiries placed on my credit report without my knowledge or permission XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On two different occasions I answered and add for adoption of a puppy from tow different people. Both of them asked me to send money by XXXX from my bank Capital One. The dates were as follows : XX/XX/ int he amounts of {$50.00}, {$50.00}, {$50.00}, {$100.00}, {$100.00}, {$50.00} and {$70.00}. Then on XX/XX/ in the amounts of {$250.00} and {$150.00}. I have asked for a refund of these amounts and got the answer baqck that the transactions went through according to policy and can not be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice that i owed money from a XXXX XXXX account which was opened in XX/XX/2023, from Amsher Collections services I do not, nor have I ever had a XXXX XXXX account First I learned of this was a collections on my credit report. The Amsher Collections agency on my report indicated a residential address I have no connection to it is all fraudulent. I contacted the collections company and they prompted me for payment. A live representative is not available to discuss. Only able to leave a message and nobody returns calls. Amsher Collections is a scam from my experience This is all fraudulent from the beginning to the end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The FBI MUST BE NOTIFIED!! 
AND POLICE DEPARTMENT!! 
M and T bank won't credit account!! 
XXXX. XXXX. XXXX. And XXXX. To landlord. And airline!! And XXXX. To owner!! Was STOLEN. Was under Threat duress and cohorsion. 
XXXXXXXX XXXX XXXXXXXX XXXX Going to court if nothing is done soon.

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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
On XX/XX/2023, I opened a saving account # XXXX XXXX XXXX XXXX Bank of America XXXX XXXX XXXX CA Branch after I saw its ads of 4.5 % saving interest rate. I was told that as long as I use new money to fund the account, I will get 4.5 % interest rate for 1 year. I transferred $ XXXX from my XXXX  XXXX XXXX Performance Savings account with around 4.3 % interest rate to Bank of America saving account on XXXX, XXXX, 2023. 
To my surprise, I only got close to 0 % interest {$6.00} in XXXX, XXXX. According to my conversation with BOA associate - XXXX today. my account is in the process to be reviewed after 30 days of open date to determine if my account will be qualified to earn promotional rate 4.5 % as promised when I opened the saving account. There is nothing they can do to fix the problem.

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 2020-12-22
Company: Experian Information Solutions Inc.
State: IN
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:
My name is XXXX XXXX, I am reaching out to you about multiple false, full of errors, and reporting inaccurately accounts on my experian report. I have reached out to Experian multiple times and have had multiples talks with reps and mangers about these accounts and were told they would be removed, these accounts are in litigation because of and Identity Theft incident which has already been discussed with Experian. They have failed to remove these accounts and will be included in the law suit if they do not correct and remove them immediately. 

ACCOUNT : S DEPT OF ED/XXXX ... ( REPORTING 5 TIMES INACCURATELY, MISSING DATA, REPORTING PAID AND COLLECTION AT SAME TIME, CAUSED FROM 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 2023-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
Hello, i desperately need your help. 

In XXXX, a friend of mine, gave an order to Bank of America ( XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX ) to send me an amount of XXXXXXXX XXXX to my XXXX. 

A fee of XXXX XXXX was needed, so i payed. 

After that i was told that an international transfer needs a minimum of XXXX XXXX So i payed again. 

Then they told me, i need another fee to pay. So i did that again. I was promised to receive the money but nothing happened. 

In the next months they needed fee after fee, because they always told me there were problems with the servers, etc. Every payment was via XXXX and through vendors. 

At this moment i payed about XXXX $ to this branch and i still don't have my money. I tried to find a agreement, but the employees are not willing to do anything. Instead they want me to pay more money and can not even guarantee the success of the transaction. 

I am missing XXXX $ at this point and nobody is able or willing to help. I wasn't told about all these possible complications in the beginning, it was absolutely intransparent and they promised me to do the transaction several times, but they always had new reasons for new fees. I also tried to cancel the whole transfer, but that also was rejected. 

Because my residence is in XXXX i can not visit the branch personally and Bank of America doesn't answer me because i am no customer. And the only contact-possibilities i have are Gmail-Accounts. 

Please help me!!! You are my last hope. 

You can reach out to them via XXXX or 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 2023-11-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
Well Fargo transferred my loan to a XXXX XXXX XXXX as of XX/XX/2023. Ive been trying to contact the new servers but no answer only message started there was a cyber security attack as of XXXX XXXX unable to speak to anyone. Spoke XXXX today and ask what was the reason for my mortgage transfer he couldnt answer me. I explain my concerns to whats happening and questioned him if I had option to denied transfer he couldnt give me the reason why but no option to this transfer as of today XXXX XXXX Ive have not received any of my new loan services Im not even sure if my identity and information was compromised Im not even ever heard of XXXX incorporated what is this why are they trying to get rid of me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: JPMORGAN CHASE & CO.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
OK IN XXXX I OPENED AN ACCOUNT WITH CHASE AND YOU HAVE TO FUND THE ACCOUNT BEFORE THE 30 DAY MARK AND I HAD NO WAY TO DO THAT SO I WENT TO A BRANCH IN XXXX GA AND THEY STATED THAT I WOULD NOT BE ABLE TO OPEN A NEW ACCOUNT UNTILL I SPEAK WITH THE FRAUD DEPARTMENT THATS WHAT THE MANAGER SAID SO I DID IN XXXX I DECICED I WANTED TO OPEN A CHASE BUSSINESS ACCOUNT AND I SPOKE WITH SOMEONE REGARDING ISSUES WITH THE APPLACATION ISSUE SO I SPOKE TO THE FRUAD DEPARTMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
MY PERSONAL AND BUSINESS ACOUNTS WERE CLOSED XX/XX/2023 BY PNC BANK. I DON'T HAVE A COMPLAINT AGAINST ANY ONE PERSON OR LOCATION. MY COMPLAINT IS THAT MY ACCOUNTS WERE CLOSED. I HAD CALLED THE XXXX NUMBER WHEN I COULDN'T LOG IN TO MY ONLINE BANKING AND WAS TOLD THAT MY ACCOUNT HAD BEEN CLOSED, THAT THE BANK HAD REVIEWED MY ACCOUNT AND MADE THE DECISION TO END THE RELATIONSHIP AND ARE ABLE TO DO THAT AT THEIR DISCRETION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
Email sent from Bank of Amercia and Merrill XXXX. Bank of America sent an email stating I had opened an online banking account. This was false. I called the number XXXX who claimed to be able to help me with my issues. I kept getting transfered with no resolve. They asked for my SS number as if they could help and this was not true. I ended up locking all my credit bureau reports. Merrill XXXX sent an email stating I had an application being reviewed. Which I did not apply for.

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 2023-11-02
Company: NRA Group, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Received call from National Recovery Agency stating I owed a debt. This was not the first call from this company. I returned the call and they demanded I provide them with information including social security number and other personal data. I have tried to cooperate to keep them from calling again but they continue to harass me, ask me whether I know people they name, and can not verify I owe any debt. They appear to be evil and are just trying to collect personal information. I had previously asked them not to call me and they have ignored my request.

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 2023-11-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Without my permission, or without a permissible purpose by law, the companies listed in the attachment are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any company listed in the attached document for review or collection.

Im requesting that all inquiries be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: FinCo Services Inc DBA Current
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I got a rental car from XXXX XXXX XXXX XXXX in XXXX FL, my total price for the rental was supposed to only be {$1200.00} total because I had the rental for 2 months and under the corporate agreement code I had, I was to be charged no young driver fee, and I was supposed to get a rate of {$600.00} flat per month, XXXX ended up charging my credit card over {$2900.00} total which is not the price that I agreed to at all. When reaching out to XXXX they were extremely unhelpful and told me to reach out to my bank for resolution. Current always claims to investigate these claims but denies every single one of them. I want my money back. All {$2900.00} worth, I did not consent to being charged more than {$1200.00}, therefor these funds were stolen and the bank is refusing to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Starting XX/XX/2023, Credit Collection Services violated my rights as a consumer according to the Truth in Lending Act. 

Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that Credit Collection Services is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that Credit Collection Services is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that Credit Collection Services is in violation of 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that Credit Collection Services is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 

I sent a notarized Affidavit of Truth on XX/XX/2023, a copy of the violations, as well as an invoice related to the violations. Credit Collection Services has failed to respond appropriately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief