BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I filed a complaint with the Bureau about BOA credit card services ( Case # XXXX ). I am writing to express my deep dissatisfaction and frustration regarding the handling of my recent claim by a BOA representative named XXXX. 

XXXX from BOA reached out to me regarding my claim, assuring me not to worry about the interests incurred during the investigation. However, to my dismay, I have been charged at least {$130.00} by BOA, and I am concerned about additional charges that may have accrued during this month. Despite my multiple attempts to contact BOA through emails and calls, I have not received any response. 

The involvement of the Bureau has, unfortunately, had a negative impact on my case. The interests incurred have not been addressed as promised by XXXX, and it seems that BOA is prioritizing support for the vendor that went bankrupt over a loyal customer of over 30 years. 

I urge you to thoroughly investigate this claim and take immediate action to reverse the interest charges. It is disheartening to see such a lack of responsiveness from BOA, especially when dealing with a matter that directly affects a long-standing customer. I request your prompt attention to this issue so that I can proceed with closing all my BOA accounts. 

I appreciate your immediate attention to this matter and look forward to a swift resolution.

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 2024-01-27
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
So I opened my checking account with Union Bank on XXXX the middle of the year I start using my card and I was paying a lot of fees for not having enough funds on my account so they give me the option to get withdrawal protection of paying {$33.00} a month and the amount that I spend I didn't notice that I was paying more than {$2000.00} a month of when I try to get a refund Union Bank never replied to me now it cost XXXX XXXX I try to open a loan with XXXXXXXX XXXX  and automatic they send me a check of {$800.00} I go to the bank I told the guy on the bank that it's more than XXXX what they owe me and he told me you're lucky they give you that amount because they only give you 3 months behind I don't think it's fair that they don't want to refund me the money I was with them since XXXX into 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 2024-02-03
Company: CITIBANK, N.A.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
THE HOME DEPOT/CITIBANK is furnishing incorrect information to XXXX that is causing my estate harm. As the trustee it is my job to ensure the heirs to the estate or not harmed. The Home Depot received an application which is a financial asset for the bank and it used as the collateral interest for the notes paid out to the national bank. Since the estate owns all interest, titles, and certificates using the note that is attached to the application for profits is misuse. Since the note is pooled together and sol The Home Depot and Citibank owe the estate.

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 2024-02-05
Company: TRUIST FINANCIAL CORPORATION
State: MS
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:
Upon checking with my credit union. I have discovered many hard inquiries on my credit report that I did not authorize. I have only financed through my credit union. These items are inaccurate. I did not authorize. I have not financed anything through these companies or given them consent in any way I am disputing and requesting that these items be removed from my credit report. Here is a list of unauthorized inquiries : XXXX, XXXX, REGIONALAC, XXXX XXXX, XXXX, XXXX XXXX XXXX of XX/XX/2022. Please investigate this matter and delete as soon as possible.

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 2023-12-18
Company: Experian Information Solutions Inc.
State: PA
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:
Experian Reported Late payments on my XXXX XXXX Account on XXXX. Experian also reported late payments on my XXXX account on XXXX. In accordance with the fair credit reporting act Experian has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( A ) section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.

Company response to consumer: In progress
Consumer complaint received 2024-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Sunday XX/XX/2024 I used my ATM card at a Bank of America ATM machine in a XXXXXXXX XXXX parking lot on XXXX XXXX in XXXX NC. I heard the money counting but the machine never opened for me to retrieve my requested {$200.00}. My bank account was withdrawn by the {$200.00} but I did not receive it. I called immediately from the location and watched as other cars approached to be sure they were not given my funds. A representative over the phone assisted by opening a claim as I sat in the parking lot for 40 minutes. That was Sunday and now it is Thursday and I still do not have my money. This is becoming too much of a common place with Bank of America. I constantly have to fight to get my money returned. I have been banking here for over 20 years! My paychecks are direct deposited. Why is this so difficult and takes so long? Fix it!

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 2024-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account my written instructions under 15 USCS 1666b a Predator may not treat a payment on a credit card account under an open and 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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have contacted Tranunion over a year now to remove this suppression. This has caused great havoc in my life. Hello I dealt with several agents for months and you all unlawfully have my credit report suppressed. I'm filling a complaint to Consumer Financial Protection Bureau. If you all font fix this issue ASAP. I'm filling a complaint to that CFPB Fair Credit Reporting Act Tags : Consumer Protection Privacy and Security Credit Reporting Mission Consumer Protection Law 15 U.S.C. 1681-1681x Links XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX KB ) The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. I'm going to ever social media outlets to make reports Trans Union lack of action to resolve this issue with my file in a timely matter ( Transunion refused to insureds my file ) is a violation of the fair credit reported act. If I lose my offer my house due to bring held up. I will take transunion to count and notify every social media outlet. Starting today. I'm in consultation with consumers media lawyer right now. File XXXX I asked this be done no action has been taken I sent in proof from XX/XX/XXXXXXXX  to Currently date XX/XX/XXXXXXXX  This is a on going issue I and speaking with lawyers and I am preparing to sue and bring awareness online media outlets the news to address this is a public setting. 
I sent the company all the information and the still refuses to lift the suppression

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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

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 2024-01-31
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX {$5000.00} was withdrawn from my savings account without my authorization through online banking ( which I have never used ). The next day, on XX/XX/XXXX another {$5000.00} was withdrawn from my savings account and {$5000.00} was redeposited into my savings account. All transactions without my knowledge or authorization and coming from accounts completely unrecognized. On XX/XX/XXXX a letter was mailed out from Wells Fargo alerting me of their discovery of unusual activity or updates on my account in regards to the above transactions. After receiving this piece of mail I went to my local Wells Fargo branch as soon as possible on XX/XX/XXXX to find out what was going on with my accounts. During this visit to my local branch I was told there was fraudulent activity on my account and to create a new checking account because my old one was compromised. I ordered new checks, changed auto-pays to the new account, etc. I was also told I will be made whole in roughly XXXX business days by Wells Fargo personal banker XXXX XXXX. I returned to Wells Fargo for any updates on XX/XX/XXXX and was then told by personal banker XXXX XXXX that it was my savings account that was compromised not my checking account. I then proceeded to have a new savings account created and my old one closed. Furthermore being assured I will be made whole by the bank in roughly XXXX business days. After this, I received a letter mailed on XX/XX/XXXX from Wells Fargo stating our research shows the transactions were made through a secure online banking session by you or someone who had your authority and that no other processing errors occurred. Which is absolutely false. I then filed a police report on XX/XX/XXXX with a sworn in statement indicating that I did not make any of the above banking transactions. I then went to the local Wells Fargo branch on XX/XX/XXXX to dispute the letter I received in the mail and let them know I filed a police report. I was advised by the police to enquire with my bank on the location of the transaction and the time an online account was opened under my accounts. I was told by both personal bankers XXXX XXXX and XXXX XXXX that theyre unable to give me that information. I was told by them they were going to escalate my claim and try to have it reopened again. I then received a letter mailed on XX/XX/XXXX stating well respond within XXXX business days from the date you contacted us. in regards to my accounts.

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 2024-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a credit card from BK OF AMER and have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. I called BK OF AMER, and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30-day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and BK OF AMER with no successful resolution. XXXX, XXXX, and XXXX reported me 30 days late in XX/XX/year>. There was an error on their part. I was never 30 days late.

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 2024-01-30
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Credit Collection Services continue to allege I owe a debt I do not owe and I refuse to pay. They have report this alleged debt to the reporting agencies damaging my character and reputation. They have failed to provide any documentation to support their claims nor was I ever informed of my right to dispute this alleged debt before they added to my consumer report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31
Company: M&T BANK CORPORATION
State: MD
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 604 a section 2. It also stated a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a late 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 2024-01-05
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I Wrote a Check to deposit from my business chase to Wells Fargo personal checking amount of {$99000.00} on XX/XX/2023 was expected to drop by XX/XX/2023 and it was not I called Wells Fargo bank I was told it we be dropped before end of the day nothing drop next morning I receive a closure email from Wells Fargo saying my savings we be closed by XX/XX/2023 because of one or 2 checks I deposited that was suspected to be altered. They need close my account by XX/XX/2023 and send me checks or any bal on my account I got another mail on XX/XX/2023 that they are waiting on my sending banks for more information about the check or something! I called XXXX XXXX  where I wrote the check and I was told the check as been release and cleared from there ends which I comfirmed because {$99000.00} was debited already from my business XXXX. But Wells Fargo keep posting my Closure date till now is postpone to XXXX I cant cope with this no more I need my money government pls address this issue

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 2023-12-29
Company: VYSTAR CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
VyStar always claims to protect those that bank with them I have been with the bank for over 8 years I recently was hit with fraud a company or person acted as a work from home company they sent me a check to mobile deposit for computer equipment and software to purchase through there vendor it was a {$3400.00} check, I called VyStar to see about the check and when it would be available they said everything is fine it will be available then after that i checked my email and received a email stating it will available in my my accounts and later that day the funds were available its insane Im starting to feel like its a inside person I started sending the money over to the vendor for my equipment then a few days later VyStar took there funds back I called them to see what was going on thats when I found out the check bounced VyStar didnt even try and get in touch with me or anything at all I got in touch with them twice so now Im losXXXX out on money due to fraud or scammers whatever its called its a shame and I tried to open up a dispute which the person XXXX never put in I end up going inside and having someone open a dispute in front of me this is insane Im closing all accounts with them soon as this over with because they did not protect my funds at all at the end of the day its plenty inside people and it will be coming out soon, I have all of the screenshots and emails from the fake work from home people literally all evidence and VyStar is still holding back I have a family Im a single mother I would have never used my own money VyStar is getting out of hand I should have been left them alone when they mobile banking and everything was down for months this is disgusting I would never do this to someone this is insane why is a check posting anyways if its not good yall suppose to be the # 1 bank I have screenshots of everything it doesnt matter the time or day of its bad it should never post yall really not protecting our money at all

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 2023-12-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately.

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