BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I established a Bank of America Credit card to take advantage of the zero-interest balance transfer promotion they were offering. The first payment I made to the credit card went through with zero issues. Fast forward to this month 's payment which was due XX/XX/XXXX and I log in to make the payment XX/XX/XXXX only to find that I MUST enroll in online banking AND re-establish my account to draft the payment from. That portion didn't bother me much as I know online portals update. The part that made it extremely difficult was that they had to re-verify my checking account to make the payment ( as of XX/XX/XXXX it is still not verified because I have to report small deposits made as of XX/XX/XXXX FIVE days after attempting to make payment, and I am still unable to pay my bill ). I reached out to the Bank of America Chat immediately on XX/XX/XXXX since I knew my bill was due soon and had not experienced this when I made the very first payment the month prior. The rep told me that Bank of America would " honor '' my payment at the time it was made online even though the account had not been verified yet ( which was a lie-because it never allowed me to submit a payment since the account isn't verified ). I asked for alternate methods of payment since I was having issues online. I was provided in the chat with an XXXX number ( thankfully I saved in my phone ) and was not provided anything else other than " you can stop by a branch ''. I ASKED for the communication to be sent to me for future reference and was told they could not send the chat over. I was also told that they could not send me anything in writing listing out the other ways to make payments. I believe their practices fall under UDAAP because they do not clearly indicate how the payment process works. If they change how payments are processed/set up they have a responsibility to communicate that to their customers. Thus, creating a lack of understanding of how they operate and abusive practices by creating a stressful situation where someone may be trying to pay their debt and then end up with late fees, etc. They also try to FORCE you into signing up for estatements which is not a good option for all people.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: U.S. BANCORP
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I and my husband XXXX XXXX are victims of Identity theft. Our information has been stolen and used without permission.

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 2023-09-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted.

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 2023-10-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Ive requested a re-investigation and submitted all requested documents to remove unauthorized inquiries XXXX on XXXX & XXXX reporting on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
When I tried to send money from a gaming app I use XXXX XXXX to PayPal. PayPal refused to accept the payment of {$2.00} stating that I had violated the terms and conditions and they have permanently suspended my account of {$3.00}. 
Near as I can tell it is for carrying a balance which their terms and conditions say you can't do. 
This makes no sense to me because why issue me a debit card to remove money from my balance. 
Also how can you transfer money if you can't move it to them and then transfer it to where it goes. 
I wrote to them and they sent me a link that I can't access as it states that they are having a internal server problem. 
I can't copy anything on PayPal as they block all screenshots. 
If you read their terms and conditions you will see that no one can use their service without violating this term that you can't carry a balance. If everyone is in violation then they should shut down their operations and refund everyone their money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: FL
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$56.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$2200.00} ( Original Creditor : XXXX ) XXXX Balance Owed {$8000.00} XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXXBalance Owed : {$0.00} XXXXXXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: Remitly, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
My name is XXXX XXXX XXXX. On XX/XX/2023, I made a shipment for a family member from the United States to XXXX for a value of XXXX dollars with the Remitly application, the money was for express shipping. The money did not reach my family member and they told me later that the money would arrive on XX/XX/XXXX XXXX XXXX in the  XXXX  to my family member, but that was not the case either. I contact Remitly to cancel the transfer, they cancel it and it is the time that they have not returned my money for almost 1 month. They told me that in 10 business days the money would be in my account and this is the date that was not the case, I contacted them and they do not give me an answer, they just ask, they tell me that the money is in my bank and my bank tells me it's not true. My Bank made a claim to Remitly and they don't respond to my Bank either. I sent my account statement to Remitly and they don't give me a solution. Please I ask for your help with this case. shipping reference number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Good afternoon, I am writing to you today as what feels to me to be one of my final options in terms of the situation I have put myself in with student debt. The long and the short of it is that I currently hold three different set of loans ( Private : Sallie Mae, XXXX ) ( Federal : Navient ). Each loan having a sum of {$50000.00} or more. As you could imagine my monthly payments are of unreasonable proportions. My student debt accounts for almost 70 % of my monthly income which leaves a disproportionate 30 % for all other expenses. In recently doing my finances I have discovered that I actually lose on average {$100.00} a month from any saving due to the amount of money I lose to loans a month ( approx. {$1600.00} a month just in student loans! ) I find myself writing because I truly feel a decline in my quality of life and the stress has actually worsened even though my salary has increased periodically since graduating three years ago. Being put in situations where if my job does not pay me on time results in me missing a monthly loan payment is the hardest thing to cope with at the present time. I have quite frankly given up calling the the private lenders because the conversations end with one answer " There is nothing we can do, you already pay the minimum amount. '' I apologize for the long winded explanation but I have attempted to consolidate and constantly am denied, I assume because of the ridiculous amount I owe. I took out these loans at a time where my judgment was clouded by the fact that the only way to receive a decent education and struggle with issues on a more personal level in terms of getting the opportunity to move out of a broken home, I can see now why I took the only option given to me which was taking out student loans without understanding these consequences at all. 

Needless to say I am not coming up with excuses in any way. I have honestly just completely lost home in a decent quality of life and come to terms that my daily actions are constantly determined by the burden of my student loans. I have never defaulted on any of the payments and have made repayment my sole motivator to stay employed and earn an decent wage. I reach out to you to begin a dialogue as to how I can address the issues I am in and how I can move forward to get some form of assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Subject : Request to Cease Contact Regarding Alleged Debt Dear Sir/Madam, I hope this letter finds you well. I am writing to address an ongoing issue that I have been experiencing concerning the receipt of letters from your office regarding an alleged debt. I would like to inform you that I have never entered into any contractual agreement with your company, and therefore, I do not owe you any debt. 

As a third-party debt collector, it is essential that you understand that I have thoroughly reviewed my financial records and have found no evidence of any outstanding debt owed to your company. I kindly request that you stop calling and mailing me regarding this matter immediately. 

I have taken the time to educate myself about consumer laws and my rights in such situations. According to the Fair Debt Collection Practices Act ( FDCPA ), in order for any alleged debt to be considered valid, there must be a valid signed contract between the debtor and the collector. As I have not signed any contract with your company, it is crystal clear that I do not owe you any debt.

I kindly request that you respect my rights as a consumer and cease all communication with me in relation to this alleged debt. Additionally, I would appreciate it if you could remove any negative information related to this debt from my credit report, as it is incorrect and misleading. 

Please understand that any further attempts to contact me or any failure to comply with my request will be considered a violation of the FDCPA, and I will not hesitate to take appropriate legal action to protect my rights. 

Thank you for your immediate attention to this matter. I expect to receive written confirmation from your office within 30 days acknowledging that my request has been honored and that all contact regarding this alleged debt will cease. 

Yours sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I lost my card around XX/XX/XXXX ( Account # XXXX XXXX XXXX XXXX Visa Signature but shown as Account # XXXX XXXX XXXX XXXX on XX/XX/XXXX closing statement ), which is currently # XXXX XXXX XXXX XXXX, and I found out about it around XXXX and then reported it lost and stolen. Apparently, I also saw another transaction on XX/XX/XXXX that wasn't mine. I had to report it to the issuer, Bank of America, and I wanted to let them know that I didn't make these charges. After a month of not hearing from the bank or getting any letters, I decided to call them back and ask for an update, and I was told that it was resolved almost 2 weeks later. After speaking with the representative, I was told by the bank that I made these charges even though I did not have the card in my possession, and so all provisional credits were reversed. I decided that I wanted to reopen the case with a police report on file, and right now it is stuck pending. 

I was told that a letter was sent out to me, but I never got the letter, and when I checked online, it didn't say anything other than a reason why it was closed. The letter said " The merchant provided documentation confirming you received the merchandise or service ''. I saw a number on the bottom of the PDF letter, and I called for information and detailed information, but I never go to that letter after requesting it over a month, so I called around the beginning of XXXX, and they said that they were still researching, but no provisional credit was issued to me. I have no information about the letter or any evidence supporting it, so I am writing it here just in case. In the claim 's history, it said, I can not pay, '' but it didn't say anything in detail or give me anything regarding it.I also filed a police report. 

Police Report # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
From XX/XX/2023 through XX/XX/2023 my credit report has been accessed by XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX  and several inquires from XXXX XXXX XXXX. I did not authorize any of these inquires. I have authorized XXXX XXXX to access my credit report only once and I now have ( XXXX ) inquires affecting my credit score. I want all these inquires removed immediately. I had a preauthorization/preapproval with XXXX XXXX XXXX  only and authorized for my credit to be pulled once. Please see the attached documentation.

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 2023-10-12
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Cashnet USA has obtained my information without my concern and constantly tried using my credit information to apply for credit on their site. They are either using this as an attempt to collect a debt illegally or the are committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: AMERIS BANCORP
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
XXXXLOAN NUMBER XXXX I requested Closing Documents for both the initial purchase of the home and the modification of the agreement on XX/XX/23 to include all terms and revised payments but only received the original Closing Documents. I called back on XX/XX/23 to have this corrected but when I called in on XX/XX/23 I was told that this was never done. I was then told to email XXXX to make this request. 

I have already done so but at this point I am asking the CFPB to oversee this process as I am being told to do something different each time with no results. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
U.S. DEPARTMENT OF EDUCATION # XXXX, U.S. DEPARTMENT OF EDUCATION # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # 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 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 2023-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank of America has charged me a {$12.00} monthly maintenance fee several times incorrectly. I have called in the past and have been able to rescind the fee. However, in XXXX of 2023 it happened again. I called XX/XX/2023 ( spoke with XXXX in Florida and XXXX in North Carolina, 2 bank of America employees ) and explained the fee was charged even though I maintained the daily minimum balance required by the bank to have the fee waived. This is evident in my bank statements. There was no follow-up action or call to my request and query. The fee has been charged once again this month ( XX/XX/2023 ) and I again am awaiting a call back from Bank of America to explain once again why the fee is being charged even though it is clear the conditions for a free checking account are being met.

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