BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was sent a new card by BofA for a balance transfer ( which I thought was through my existing Bof A card ). So I had a new account I didn't know about. Regardless, I noticed and set up automatic payments in time to have them arrive before the due date on the XXXX of each month. On the new statements there has been a late fee of {$40.00} every month, even though the payments are automatic through my bank ( XXXX ) and bank records are showing the payments were delivered 1 to 3 days before the due date.

After an hour on the phone with customer service, I was told they can only " grant '' the refund of XXXX late fee, despite all these fees being erroneous. I let the rep know I have paperwork from my bank to back this up and she insisted the " system '' wasn't responding and she couldn't get any more charges refunded. When I asked if there was an alternative way to solve this, she suggested I call back later ( as if there would be a more empowered person there later? )

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 2021-06-18
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have asked Barclay several times to lower the interest so that I will have an ability to pay for the credit card. I have been in the hospital twice and can not see them working with the situation we are in. in fact the rates have gone up. This is how they make money but the high interest is not the plan of our country getting out of debt. I see no benefit to this kind of behavior on their part.

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 2023-02-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from Portfolio Recovery Associates stating that the debt they are trying to collect is valid. The included a copy of court documents, and a copy of a bank statement. I contacted the Court and requested all documents related to this case. The Court documents state that the Judgement Creditor is Portfolio Recovery Associates LLC, and the Judgement Debtor is myself. This document dated XX/XX/XXXX that was filed on XX/XX/XXXX by the County Clerk has Portfolio Recovery Associates attorneys signature on it stating " Judgement Debtor ( s ) : MY NAME and XXXX XXXX, and the marital community comprised thereof. Amount or type of satisfaction : FULL SATISFACTION The judgment creditor acknowledges receipt of sums of money owing either in full or in settlement of the judgment rendered against the judgement debtor ( s ) on XX/XX/XXXX in the above entitles court and does hearby authorize the Clerk of the Court to enter a full satisfaction of said judgement in said amount '' " On this day personally appeared before me. PORTFOLIO RECOVERY ASSOCIATES ATTORNEY, known to be the individual who executed for foregoing instrument, and who acknowledged that singing this document free and voluntarily and is authorized to execute this document '' Again, this document was signed by the attorney for Portfolio Recovery Associates and filed by my counties Clerk. 

This document is also notarized and signed by a notary public stating that they have " given under my hand and official seal on XX/XX/XXXX ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX  took funds out of my Bank of America joint checking account they stole XXXX. Dollars and XXXX saying they have a garnishment against me we had just gotten our social Security monies and had some money from insurance payment to fix my house after surviving Hurricane Ian I filed a complaint with Bank of America they released half of the funds but not the insurance or my husband 's social security money they also charged me {$120.00} Legal fee they never served me with anything they hacked my Bank account and Bank of America let them I've had this account over 20 years thought Bank of America was a reliable company I guess I was very wrong

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 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2019-07-25
Company: Square Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This complaint is against CashApp. My non-profit organization has an account that we were attempting to access after a sponsor transferred money into our account. CashApp requested new verification using a front/back scan of a driver 's license which do not work. 

After multiple failed attempts to scan the back of the license, we sent an email to CashApp Support on XX/XX/XXXX. They provided instructions for us to follow to reverify the account which we followed. However, we later received an email stating that we were being transferred to another department who could help further. 

We have followed up again on multiple occasions ( XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ) via email and XXXX. 

NO ONE has called me yet from customer service! 

I now think that there is fraud involved as we can not access the account to cashout the {$1000.00} that is in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have had these two loans with Sallie Mae since 2004. 
My aunt was the primary borrower on one. She died. They told me to have my other aunt her guardian send in the death certificate and it was subject to be cancelled or done. 3 months later, after hearing nothing, I started getting calls saying I was 120 days delinquent and they removed her like she was never on there. For two years I asked for promissory letters. They sent wrong ones. I filed a complaint with you guys a couple of years ago. No resolution. You cancelled my claim and stated you guys would be investigated them due to many complaints. Fast forward to now they are Navient. I this year requested forgiveness for these two private loans due to the school I attended not existing any longer. I was told no. I am now a single parent of a XXXX year old. I am solely responsible for without any support. I am fortunate to have a decent job, with XXXX, etc, I cant qualify for any help because I have a decent job ... .but am still trying to make ends meat. His child care alone is XXXX monthly. I cant go into forbearance. Im stuck. I need help. This isnt right. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Cascade CISS Holdings, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Collection account does not belong to me. I was frauded. It was reported on my credit reports and it is completely wrong! 

This notice is to inform you that you have broken the law. You unlawfully report unauthorised accounts on my consumer report that have violated my federally protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given written permission to put anything on my credit profile. You have violated me pursuant to 15 USC 1681b, the permissible purpose of consumer reports.

You have no permissible purpose by law to contact third parties with my private and personal information. Your offences amount to Aggravated Identity Theft pursuant to Title 18 U.S.C felony punishable 1028A. You have knowingly transferred, a felony punishable with up to 2 years of imprisonment, in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2023-10-30
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: Account status incorrect

Complaint:
XXXX XXXX  will not STOP ruing my TRANSUNION CREDIT REPORT they keep reporting INACCURATE FRAUDULENT UPDATES to TRANSUNION and they wont STOP I mean STOP NOW something has to be DONE NOW they started back up ruing my CREDIT every since I opened this new DISPUTE for them to DELETE this fraudulent XXXX  XXXX  account when the dispute resulted completed on XX/XX/XXXXXXXX  they FRAUDULENT VERIFIED and LIED to TRANSUNION that this account was OPEN and it Was a LIE because it was CHARGED OFF and CLOSED on XX/XX/XXXXXXXX  I have the PROOF see all the INFORMATION attached and then they came back and updated on XX/XX/XXXXXXXX  with TRANSUNION and reported the account CLOSED again and XXXX XXXX just verified to TRANSUNION that it was not CLOSED to REOPEN it back up on XX/XX/XXXX. THIS has to STOP please help me CFPB XXXX XXXX has to be STOPPED. I have reported this to the FTC because my IDENTITY has and was FRAUDULENTLY USED this called IDENTITY REPORTING FRAUD. this is a FCRA Violation also with reopening aged CHARGED OFF accounts and CLOSING it 5 days later with the dates of closing changing from XX/XX/XXXXXXXX  to the NEW FRAUDULENT CLOSED DATE XX/XX/XXXX XXXX..XXXX XXXX is DEFINITELY going to PAY for the INACCURATE FRAUD reopening and closing of this account data and deleting the closing date and reporting a FRAUDULENT closing date 5 days later to ruined my CREDIT and making it look like I have a RECENT CHARGE OFF after they CLOSED the account again from REOPENING the account 5 days prior. THEY have to be STOPPED NOW and TRANSUNION is the CREDIT BUREAU that is LETTING them update and report the INACCURATE VERIFICATION of FRAUDULENT INFORMATION and they wont do anything NOR will they FIX my CREDIT REPORT and DELETE this account. I have sent in so many documents of proof and made so many COMPLAINTS and NOTHING is being DONE attached again will be included my IDENTITY THEFT complaint report in reference to XXXX XXXX  and TRANSUNION

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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 Is For What You Are Disputing ), 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

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 2022-11-06
Company: EQUIFAX, INC.
State: NY
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 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  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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am formally requesting the deletion and removal of the following accounts and associated information from my consumer report. The accounts and information listed below should not be reported, as their presence constitutes a direct violation of the FDCPA ( Fair Debt Collection Practices Act ) and FCRA ( Fair Credit Reporting Act ). It is imperative that these accounts and information are promptly removed from my consumer report to rectify the violation of these laws. I urge you to take immediate action and eliminate these items without delay.

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 2023-02-24
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Report Act XXXX Account : XXXX Amount Collect : {$780.00} from Creditor : CAINE & WEINER, 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Fidelity National Financial, Inc
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Fees or costs after closing

Complaint:
I was scheduled to close on my mortgage refinance on XX/XX/XXXX. I was informed via phone call and email from Fidelity National Title Company of Oregon that my transaction had closed and was recorded in the early afternoon of XXXX. 

However, I received a subsequent call and email in an attempt to reach me in the late afternoon. When I finally was able to return the call from the title company, I was told that they had made an error in the calculations of the settlement statement and that there was a shortage of funds that would need to be covered by me. When I attempted to resolve the issue with the title company, they refused to take any financial responsibility for their error. Their refusal to accept responsibility also included any additional interest that would accrue until a wire could be sent the upcoming week as it was late Friday afternoon and past outgoing wire cutoff times. They offered to hold back my funds from my property tax escrow to cover the difference, which I declined verbally ( and again later that day via email ). At this impasse I was told by the title company that I would have to contact the lender, XXXXXXXX XXXX, to discuss further. 

When I reached out to the lender that same late afternoon on XXXX, they assured me that the refinance was closed, and that my obligations on the prior loan were fulfilled, and that I could ignore any further requests from the title company for the shortage. 

Representatives from Fidelity National Title Company of Oregon continued to contact me over the next two weeks in an attempt to recover funds from the earlier shortage. I informed them that XXXX had released me of any additional obligations with regard to the shortage. It was at that time that XXXX informed me that they had already paid the shortage to XXXX XXXX and that I was now required to reimburse them. I neither authorized XXXX to do so, nor was I informed when this was done at the time. I let them know that I had been released of any remaining obligation to the lender and that I would not reimburse their funds. 

In a letter dated XX/XX/XXXX, Fidelity National Title Company of Oregon threatened legal action if I did not reimburse what they paid for the shortage of {$2100.00}. I also discovered that they were still holding my property tax holdback of {$10000.00} from my mortgage servicer as leverage in an attempt to force my compliance with their request. I responded to the letter via email on XX/XX/XXXX in which I declined to reimburse their payment and demanded immediate release of my escrow funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: TCF NATIONAL BANK
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Previous complaint # XXXX - XXXX filed XX/XX/XXXX.TCF Response dated XX/XX/XXXX " Acknowledges {$140.00} in overdraft fees '' and only refunded $ XXXX Still owes me $ XXXX of the Total {$140.00} AND - I -did NOT " Agree to a " Partial payment '' - My Status is " OPT-OUT-No Fees '' - {$85.00} is What is Still owed to me- For TCF Bank " charging/withdrawing my Money out of account '' OPT-OUT " Means NO_FEES **. 

_________________________________________________________ AND, Under ( previous/Above/Complaint ) and Under TCF Response - Also, Acknowledges : Under Minnesota XXXX Courts XXXX ; XXXX TCF is to pay refunds to customers who " at the time between XXXX who ( where ) in OPT-IN- to overdraft services and paid overdraft fees that were ( NOT ) waived or refunded, and otherwise meet criteria specified in the CFPB and OCC-reviewed ( refund ) Plan. Enclosed are ( Proof of " Actual '' statements for XXXX the Amounts Year-to-Date of the " Overdraft fees '' for Each Year- TCF- as with above ( previous complaint ) Response " Acknowledges " account ending in XXXX for XXXX the Total Fee " reversed '' is {$590.00} '' XXXX 

XXXX Total overdraft fees {$1600.00} - minus {$210.00} reversed = {$1400.00} still owes ( me ) *** XXXX Total overdraft Fees {$730.00} - minus {$35.00} reversed = {$700.00} still owed to me **** XXXX Total overdraft fees {$640.00} - minus XXXX reversed = {$430.00} still owes meXXXX XXXX Total overdraft fees {$300.00} - minus {$140.00} reversed/refunded = {$160.00} still owes me ****** Grand Total = XXXX {$1400.00} / XXXX {$700.00} / XXXX {$430.00} / XXXX {$160.00} / ____________________________ TOTAL {$2700.00} OWED TO ME ___________________________________ REVERSED ( refunded amounts ) : XXXX {$210.00} XXXX {$35.00} XXXX {$200.00} XXXX {$140.00} _____________ total refund {$590.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation