BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-31
Company: DISCOVER BANK
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I opened a Discover Credit card account and because I complained about their horrible customer service. I was retaliated against and the pur my account in protected service. Now they are asking me to send a picture of me through a link of my cell phone. This is discrimination.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2023, I received my monthly statement and when I looked at the statement, I noticed that the amount was more than what I usually pay monthly. My monthly recurring bill is {$53.00} but it went to {$250.00}. I have called the company numerous of times trying to get this issue resolved but they keep telling me they are still investigating the issue. I also noticed that the remaining balance amount and the statement balance do not match. This is not the first time I had an issue with this company. I had to file complaint against them a few months ago due to the not reporting the correct information on my credit report and stating I owe amount that was incorrect. The case number for that complaint is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I write to call attention to incident that occurred by Chase Bank employees and loss prevention department of Chase Bank.I received a settlement check from a lawsuit in the amount of {$160000.00} The check was written on XXXX XXXX XXXX. I deposited my check into my personal account on XX/XX/17 I was concerned that the check had not cleared and called and was informed by several Chase employees ( XXXX, XXXX and another gentleman ) that my check was forwarded to loss prevention because my law firm '' had a history of bouncing checks '' and that Chase had put a hold on my account and since they cant verify the check my account was going to be closed on Friday XX/XX/2017 and the check was going to be returned unpaid. I called my law firms bookkeeper and lawyer and explained to them what Chase employees had told me in regards to my deposit and received a copy of my lawsuit check from them which cleared on XX/XX/2017 the day after I deposited it. I also immediately contacted the bank branch manager ( XXXX ) and advised her that I was told that the Chase employees had used XXXX to research my lawyers firm and noticed that his firm changed his name last year. Chase policy is not to allow employees to verify funds using the internet research rather than calling the issuing bank. The law office has no history of bouncing checks.I had to go into the bank on XX/XX/17 with the copy of the cleared check and have a three way call with ( XXXX ) Law-firm bookkeeper and loss prevention.The law office was able to clear the check after going back and forth with the employees. The law office wrote a letter to XXXX XXXX ( Chase market director )  and wanted an explanation about the conduct of the employee and the loss prevention department. I received a reply about deposits holds and that they could not verify the actions of the employee and had no record of any of several phone calls to the bank. ( I do have phone records of all calls to the bank ) I was discriminated agaist by Chase Bank because I am an XXXX women.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Designed Receivable Solutions, Inc.
State: CA
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:
XXXX  is in violation of my HIPPA rights. 

DESIGNED RECEIVABLE SO is also in violation of my HIPPA rights. 

XXXX XXXX XXXX is in violation of my HIPPA rights. 

DESIGNED RECEIVABLE SO is reporting invalidated, unverified debt to Experian. 

XXXX XXXX XXXX is selling invalidated, unverified debt to XXXX XXXX XXXX XXXX. 

XXXX  is reporting invalidated, unverified debt that is in violation of my HIPPA rights that was obtained from DESIGNED RECEIVABLE SO that was sold by XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Wells Fargo Home Mortgage transferred my mortgage to Wells Fargo XXXX of 2015 the account is showing a XXXX balance but now I have a 2nd entry on my credit report that is reporting currently and up to date on my credit report as a modified conventional loan for 34 months which is exactly the same as the time the loan was transferred on 2015. I am not sure why one mortgage is reporting twice on my credit report I have never missed a payment and the other account has a numerous late payment

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 2021-06-25
Company: Experian Information Solutions Inc.
State: CA
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:
That put another company information on my account my business is XXXX XXXX XXXX XXXX Not XXXX XXXX there is no grand fathering in my company please have that company removed and the trade line thats involved and correct my information and trade lines

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 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 am a ex XXXX  XXXX. Someone has opened fraudulent accounts in my name I am not sure if it could be due to a data beach.

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 2022-07-24
Company: TRUIST FINANCIAL CORPORATION
State: MS
Product: Credit reporting, credit repair services, 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:
There are 4 inquiries on my credit report that I didnt give any authorization or approval to put on my credit report these are the Names XXXX XXXX Truist dealer, 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 explanation
Consumer complaint received 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act, the XXXX Account number XXXX is violating my rights to accurate information. The account is closed and was consolidated in 2019. The account is listed on my consumer credit report as open and a charge off/collection. The account has been deleted from XXXX. 

The FCRA states that credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable 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 non-monetary relief
Consumer complaint received 2022-03-12
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XX/XX/2022 Citi Bank Failed to activate my new card that will be used to book travel for family vacation. 

Customer service call center was not helpful at all and not willing to provide assistance to solve 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 2021-09-06
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Hello. My current problem is that Coinbase.com has my account in " review '' status for over 3 weeks and I can't use my currency or do any movement on the account.

They don't seem to answer my replys and it's been quite impossible to move my account from the current status I am right now. 

The account affected is : XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, 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:
I recently was in the pricess of buying a home and found the following unauthorized inquiries on my credit report. I immediately contacted the companies that reported the inquiries on my account. I was unable to get my issues resolved with the reporting companies. 
The following inquiries are fraudulent and need to be removed from my report immediately. 
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 non-monetary relief
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 was a victim of identity theft. I sent XXXX, TransUnion, and XXXX my FTC report on XX/XX/2022. According to 15 USC 1681c-2, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2022-03-12
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a letter from Bank of the West that says I opened an online account on XX/XX/2022 and XX/XX/2022. 

I did not open any accounts with that bank. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: LoanCare, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company ( Myloancare.com ) Loancare LLC, was supposed to send a check to my insurance company ( XXXX XXXX ) for my homeowners insurance. The check was in the amount of {$3200.00}. However XXXX XXXX claims they never received the check. When I spoke with Loancare they claimed they sent it and they didn't know what happened to it. In the mean time, my insurance was going to be canceled so Loancare told me they would take another {$3200.00} out of my escrow to pay the insurance. I said, why doesn't Loancare take it out of their account since it's their mistake. Don't they have insurance for this??? They told me if I didn't pay it my homeowners would be cancelled. I want Loancare to assume responsibility for losing my escrow money. I should not be charged for their negligence.

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 2018-05-26
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In XX/XX/2012 I took a loan out for {$2500.00} from XXXX. I later found out that they amount of the loan was in violation of Virginia Law and contested the debt. I made no payments past XX/XX/XXXX. 

I have received 3 calls from a woman stating her name is XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX though I have been unable to obtain any information about this company. She is attempting to collect on a debt but has failed to identify herself as a debt collector 3 times. In addition, I was not living in Virginia when the loan was taken out but she states the new owner of the debt ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX XXXX # XXXX CPRC # XXXX is attempting to sue in that state though when I check to see if a suit has been filed none has. 

There are 2 issues then ; 1. The statute of limitations has passed ( I believe ) and 2. violation of the FDCPA ( 15 USC 1692d ( 6 ) ) failure to fully disclose and ( 15 USC 1692e ( 11 ) ) failure to divulge they are calling as a debt collector. Furthermore, XXXX XXXX stated XXXX is the " legal side '' rather than that they are a debt collector which is false and misleading, a violation of 15 U.S. Code 1692e ( A ), ( B ), ( 3 ), ( 10 ), ( 11 ) and ( 14 ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
We have a Bank of America credit card. We needed to use XXXX to pay our maintenance person, it is an ongoing payment. Since our regular XXXX  does not work with XXXX we opened a checking account with BOA so we could use XXXX through them. We processed a cash advance from the card to deposit funds into the checking account. BoA then shut off our credit card, claiming suspicious activity. I called them and tried to get it turned back on. They refused. They said I had to go into a branch to fix this. We live in Alaska. There are no BoA branches here. I would have to get on a plane and fly to Washington state, roughly XXXX miles away to get this fixed.

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 2022-07-24
Company: EQUIFAX, INC.
State: GA
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:
To whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law toverify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following account be verified or removed immediately : 1. The inquiry was not authorized CREDITOR Please remove it from my credit report.

I respectfully request to be provided proof of thisalleged item, specifically the contract, note or other instrument bearing my signature.

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. 


Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I went on vacation and stayed at a hotel that I booked through a 3rd party. When I arrived at the hotel everything was fine and they needed a credit card for damages and/or incidentals, which is standard procedure. I agreed to give them the credit card for damages and incidentals ONLY. Upon checking out the hotel advised me that I had to pay a resort fee for each night that I was at the hotel. I told them I did not want to pay it because I did not know about it and I would have stayed at a higher-end hotel if it was going to cost that much. The hotel told me that they would just take the resort fees out of the deposit that I gave them for damages and/or incidentals. I told them that I did not agree to them doing that. Bank of America tells me that I need to hire an attorney to deal with this matter because hotels can charge you for whatever you want. I feel like this is robbery from the hotel and neglect from Bank of America.

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 2020-07-01
Company: EQUIFAX, INC.
State: AR
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 was trying to trade my vehicle for a 2020, since I have an old car and its soon going to break down. i was at the dealership and they denied giving me an auto loan. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a sit pulled a copy and now I am even more upset that someone has been using my name to open up accounts and that should have never been open. These accounts are not mine. I need them removed as soon as possible from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: PNC Bank N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2020 PNC Bank is blocking me from linking my XXXX XXXX. I was always able to link to PNC Bank but today getting a message that PNC Bank is suddenly denying me access to my account through XXXX XXXX  without any warning or Reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: AES/PHEAA
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My wages were garnished for student loan debt for two years, ending in summer XXXX. The creditor used a collection agency. I got a letter of release of withholding from the collection agency in XX/XX/XXXX. In XX/XX/XXXX, I received a letter from the collection agency saying that I still had a balance due - which shouldn't be legal, first of all. I called the collection agency in early XX/XX/XXXX and tried to pay the entire balance due off and they wouldn't take my payment, saying they had to verify the balance with the original creditor and that it would take a week ... while interest collects daily. These procedures should be illegal - if I call and wish to pay my balance immediately ( like their letter offered ) I should be able to pay the debt stated in their letter immediately.

Company response to consumer: Closed with explanation