BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a business checking account in XXXX by going to BOA small business promotion.bankofamerica.com at the time the website listed offer deposited XXXX and will received {$500.00} bonus after 60 days. I called BOA after the account was opened was told the coupon code applies and will get the credit in XXXX, but in XXXX I called multiple times either was transfer to different department ( sale vs customer service ), or told it will be escalated to manager for review, or the case was closed without reason. Finally I called again XX/XX/13 was told the rep the management closed the case as offer doesn't match target a while back. I was never told the outcome until I contacted BOA and the rep couldn't get that information until she talked to someone higher up. If the offer isn't a match based on account, then it shouldn't be listed on BOA website and after I called was told it will be credit in XXXX, customer had to call multiple times to inquiry and when the case is closed BOA failed to disclose to the customer. I believe BOA intentionally deceive customer into making depositing and prolong the process and refused to disclose the outcome in hope the customer won't close out the accounts and keep the deposit in bank.

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 2023-01-20
Company: ProCollect, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My names XXXX XXXX. I lost my job due to covid and was unable to pay my last months rent. Apartment complex handed over debt to collections and is now on credit.Originally owed XXXX. Paid {$200.00}. Now owe {$1400.00}. Called this morning pro collect collections agency. Called to make another {$200.00} payment. XXXX I spoke to on the phone refused to take my payment. Stated I must pay the full remaining balance {$1400.00}. Asked to speak to her XXXX and she refused to let me speak with anyone else l. Stating she was the XXXX. XXXX told me I should pay my bills and hung up the phone. Called back and she proceeded to antagonised me laughing at the fact that I had called back. XXXX told me to ask family members for the money. I emailed XXXX XXXX of pro collect. Where he confirmed I am unable to make any payments. He claimed when I originally made the first XXXX $ payment that I was agreeing to a payment arrangement and because I did not abide by payment arrangements I no longer had the option to make any more payments unless it was the full {$1400.00} amount. I explained the XXXX XXXX via email that the lady assigned to my account was XXXX  and unprofessional towards me and that she did not explain this to me over the phone and that I never remember agreeing to making payment arrangements. I believe this is absolutely unprofessional how the situation was handled. I would like this paid off so I can eventually be approved for a place to live but they are refusing to work with me. The lady assigned to my account at pro collect was XXXX  unprofessional and demeaning. I would like to make payments over the phone until this is cleared and I can NOT make a {$1400.00} upfront. I live pay check to pay check. Eventually after going back and forth via email with the XXXX XXXX over pro collect he eventually told me I could make a XXXX $ online. Which was never originally told to me. I went online and made a {$100.00} payment but no money has been taken out of my account. I do not feel comfortable making anymore payments with this company until I get a clean understanding. I would prefer the option to speak to someone who is professional and give them payments over the phone. Because I no longer trust this company with my card information. If someone can please help me get this situation resolved I would greatly appreciate it- thank you

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 2022-12-01
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : #, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1800.00} Account name : #, XXXX BANK {$1500.00} Account name : #, XXXX XXXX {$590.00} Account name : #, XXXX XXXX {$4100.00} Account name : # XXXX XXXXXXXX XXXX, {$6200.00} has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
InXX/XX/XXXX some accounts were opened in my name as a result of Identity Theft. 
I only found out in XX/XX/XXXX when trying to open an account at my local credit union. 
I went to a Bank of America branch where i spent an hour and a half on the phone with other representatives only to leave with no claim filed. I later found the claim phone number and got a claim opened on XX/XX/XXXX. I was told I would be sent an email to upload information so the claim can proceed. I have still yet to receive the email. I disputed the Information directly with XXXX XXXX XXXX and the information was removed however, this information is still being reported to XXXX and needs to be removed since it is preventing me from banking anywhere other than a prepaid bank. I need this issue resolved. I have called them 3 times since and every time they tell me ill receive the email in 72 hours and of course i never do.

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 2021-06-17
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal has permanently suspended my account with no real reson, i have tried contacting them but they have done nothing to help me, i have genuinely ever done anything wrong and i have not even used the account for any financial transactions, a close friend told me i can use this site to file a report, hoping you can assist me, the email linked to my account is XXXX paitently waiting for your assistance in resolving the matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, hard inquiries that I did not authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These Hard Inquiries need to be removed for violating my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
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:
The Consumer Reporting Agencies are continuing to report inaccurate and incomplete information on my Consumer report. The CRA have failed to verify that these accounts are 100 % completely accurate. 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 XXXXXXXX 15 USC 1681 ( i ) ( 5 ) ( a ) Accuracy and fairness of credit reporting.

15 USC 1666b-Timing of payments 15 USC 1637 ( b ) STATEMENT REQUIRED with EACH BILLING CYCLE

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 2021-06-17
Company: ERC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Please note that the debt with Enhanced Recovery Company on behalf of the original creditor has been satisfied. Creditor refuses to update my credit report to reflect {$0.00} balance. Why hasn't this been updated? I received threatening messages from this company and fear of being sued for an old debt already satisfied. A possible judgment will damage my credit for at least 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX has been setup on a payment plan and balance has been agreed upon for settlement. XXXXXXXX XXXX has been contacted and yet will not act to correct the balance, payments made and this has to be addressed as per letter that is attached.

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 2021-03-10
Company: Paypal Holdings, Inc
State: GA
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 balance transfer

Complaint:
PayPal decided they wanted to discontinue doing business with me however they refuse to refund the balance in my account. Its been almost 3 months and they are still holding my funds. I dont have any outstanding balances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
TD Bank is harassing me because their systems are antiquated and inaccurate. 

I'm doing a construction loan and as such my payment varies each month. I paid them my XXXX payment on XX/XX/XXXX. I'm not sure what happened, because I can not see my statements online, but I ended up paying an amount that represented 98.3 % of what I owed them. 

Unfortunately, as the loan amounts are variable each month, I can't set up autopay. When they sent a letter saying I owed less than 2 % of my balance in XXXX, I promptly sent the bank the remaining 1.7 % of my payment. Their online banking system shows that the payment cleared on XX/XX/XXXX. 

For the last week the bank has called me 5-6 times a day about an " overdue loan '' which is just incorrect. They've called me 7 times since my payment cleared, and the bank representative nonchalantly said " yeah it takes a while for our systems to update. '' I asked the bank to never call me again and the bank said that " it could take up to 30 days for the calls to stop. '' Unacceptable and antiquated. 

The bank 's systems make it impossible for a customer to pay on time and they keep harassing customers after debts are paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: EQUIFAX, INC.
State: TN
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 obtained a copy of my credit report a month and found some incorrect items. I contacted the credit bureaus via mail. According to the law they are suppose to reply within 30 days. I have not heard anything back from them. This incorrect reporting has harmed my financials, my ability to get credit, sba loan and even a new job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Roseth Mortgage LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Fees or costs after closing

Complaint:
I was referred to XXXX XXXX with Roseth Mortgage by a previous client of his, whom later fired him. After beginning a business relationship with XXXX, it was apparent that he was disorganized and incompetent. My primary complaint is as follows : leading up to the closing of my home, I was told multiple times by XXXX that I would not need to bring any cash to closing. However on XX/XX/2023, the morning of the closing, I was told around XXXX that I needed {$6700.00} in cash to close the sale, my closing appointment with the title company was scheduled for XXXX. After telling XXXX that there was no way I could come up with that amount of cash in the matter of a few hours, XXXX informed me that he could deduct his financial compensation from the closing. This changed my cash needed to close to {$1900.00}, which I paid with a cashiers check. XXXX asked me if we could make an arrangement, in which I would pay him {$2500.00} privately after closing " so that he didn't work for free ''. He states that " this also helps him out because he doesn't pay taxes on it ''. On XX/XX/2023, as requested per XXXX, I sent a payment in the amount of {$500.00} via the XXXX app to his wife 's account under the name XXXX XXXX. On XX/XX/2023 XXXX requested another payment, I informed him that I would not be financially able to send him another payment. On XX/XX/2023 he again requested another payment, to which I did not respond because I was unavailable at that time. On XX/XX/2023 at XXXX, he sent me another text message explaining that he needed an explanation regarding the payment so that he could inform his wife. His wife then proceeded to find my private XXXX page and messaged me at XXXX to harass me about my lack or response to her husband, to which I did not respond. She then messaged me again that day at XXXX to further harass me about sending them money. At this point I felt uncomfortable and contacted XXXX 's boss, XXXX XXXX. XXXX advised me not to send any additional payments to XXXX and that he would personally handle the issue going forward. XXXX said he was going to further look into the matter internally. I've since asked XXXX how he was handling the issue and if there was something that could be done in regards to the {$500.00} that I had already sent to XXXX, but XXXX has failed to respond.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery Associates calls my home several times every day of the week, looking for some past due amount apparently for my wife. Last week on XX/XX/XXXX I told them to stop calling but they have ignored my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
After filing a previous complaint for an unauthorized/unwanted cash advance for {$20000.00} by XXXX XXXX XXXX  XXXX A few days later he received a phone call from the local XXXX  of the president, XXXX XXXX. After an excruciating conversation XXXX XXXX was willing to mail us a payment envelope. I requested this because I didnt trust the company as all reps I spoke with were outsourced to the XXXX  XXXX When I received the letter he neglected to provide full account info and only provided a XXXX digit account #. When I spoke me with XXXX XXXX he offered to go to a local bank branch and make the payment but he said I couldnt do that and thats now how payments are made. For the last XXXX XXXX weeks as he did not provide direct contact information and I have to an art from the bottom up each time. I am starting to get threatened calls from XXXX requesting payment. Please give me proper access to pay this unauthorized/unwanted balance transfer

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 2019-10-16
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
When I open a checking account at Citi bank and replenish it. They immediately blocked it for me. Reporting that my personal information is incorrect or false. So if the information is incorrect, why did you then take the deposit at the opening? The money still remained on the blocked account and the Fraud Department promised to send a check to my home address. But more than a month has passed and I do not see the check. I was in brunch, they did not help me there.

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 2023-03-22
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Contacted XXXX because my credit score dropped XXXX points since XX/XX/XXXX. I was told there's nothing they can do. 

Other rational : 18 Hard inquiries ( Trying purchase a new car, so the dealership shop my credit without my permission. All inquiries was completed within 45 days Department/XXXX is reporting delinquency XX/XX/XXXX to XX/XX/XXXX. My student loan was going thru the process of consolidate to one loan. Consolidate to one account and paid XX/XX/XXXX. 

XXXX XXXX was with any miss payment, however they was late due loss employment from XX/XX/XXXX - XX/XX/XXXX Hired XXXX XXXX, however after a year or so it was becoming financial strain no results despite errors, multiple mailing and escalating letter

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 2022-05-03
Company: Experian Information Solutions Inc.
State: RI
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. Also states a consumer reporting agency can not furnish an account without my written instructions or consent.

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 2023-05-15
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have disputed this unknown account because it popped up on my credit reports one day. Its not my debt. I never received any notice of collection nor any proof of said collection. No statements, receipts or anything. No phone calls emails or mail. Just sitting on my credit report with no proof also reporting incorrectly. All correspondence should be sent back to this complaint

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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