BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, XXXX XXXX the administrator of the estate account of her stepmother, XXXX XXXX was removed by the Circuit Court of XXXX XXXX, Probate Division. As a result I was appointed the new administrator in the same month. The former administrator was also removed as power of attorney for her father XXXX XXXX in XXXX of XXXX My attorney wrote a letter to Bank of America in XXXX and included the necessary documentation informing them of the change and outlined the steps that needed to be taken. He also visited the bank in person three times in an attempt to resolve the issue. The appropriate documents were given the the branch manager. He was told someone would get back to him. As of XX/XX/XXXX no one has responded. In addition my attorney was told that no one at the branch could help him. He was giving an XXXX # to call and was then told that the banker misinformed him. We have been given the run-around regarding a time sensitive 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 non-monetary relief
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: AL
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, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Issue : Barclays Bank not honoring promotional offers. 

I held a Barclays Bank personal Mastercard from XX/XX/XXXX through XX/XX/XXXX. During such time Barclays held 2 promotions for bonus airline miles ( 5 times miles ) if money was spent in the specified categories during the promotional period. Attached is a screenshot of one of the promotions for illustrative purposes. During both promotions I appropriately signed up for the offer, spent money in the relevant categories, but was never provided the bonus airline miles. I contacted Barclays customer service multiple times in the past 6 months. In each of the calls ( most recently XX/XX/XXXX ), the customer service agents confirmed that I DID indeed sign up for the promotions, I DID spend in the appropriate categories, and I did NOT receive the appropriate bonus. On the last call ( XX/XX/XXXX ) I was told that it was resolved and that I would receive the appropriate bonus within 8 weeks. It has now been 8 weeks and I have yet to receive any resolution. During my last call with Barclays I closed my account since their customer service and product are so poor. Barclays bank owes me approximately XXXX miles that I earned but did not receive. This is very valuable to me and I used the card specifically for these benefits. I have attempted for months to resolve this with Barclays, but have been unable to attain any resolution. Thank you in advance for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I BORROWED FROM XXXX XXXX ON XX/XX/21 ( LOAN CLOSING DATE ) AND I REFINANCED ON XX/XX/21 WITH XXXX XXXX XXXX. AS A RESULT, PAYOFF WAS RECEIVED FROM XXXX AND PAID OFF THIS LOAN. HOWEVER, XXXX TRANSFER THIS LOAN TO PHH MORTGAGE SOMETIME IN XXXX. I AM RECEIVING COLLECTION /FORCLOSURE LETTERS/CALLS FROM PHH SINCE THAN . I CONTACTED XXXXPHH SEVERAL TIMES AND PROVIDED EVIDANCE THAT IT HAS BEEN PAID OFF. I CONTACTED TITLE COMPANY AS WELL TO SEE IF THEY CAN DO SOMETHING ABOUT IT BUT I AM GETTING NO WHERE. I AM PAYING MY MORTGAGE ON TIME TO XXXX SINCE XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: BQ & Associates, P.C., L.L.O.
State: MO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
BQ & Associates, P.C., LLO called me repeatedly regarding debt owed to them. Throughout the process there were several reps who would be disrespectful, aggressive and use bullying antics as a means to collect on debt. For example, being told if I did not come up with a lump some payment and refusing to take my payment arrangements. A rep from the company, XXXX ext. XXXX, during a call was cutting me off as I spoke and threatening me that I could not ask questions regarding the settlement that was agreed upon or get the agreement in writing. I was told that I was not in a position to ask questions or negotiate anything. If I asked about payments he would cut me off and sigh. As I continued to ask questions he used condescending tone and made statements that caused me to have a break down on the call which included me sobbing, yelling and asking him to stop. I was treated like trash. My concerns were reported to his supervisor, XXXX, who indicated he would look into the call. However, XXXX continues to contact me after I indicated that I did not want him contacting me. Because my aim was to resolve the debt, but through another rep I asked to speak with a manager or an attorney and was not allowed to do so. I called repeatedly and then an operator finally patched me in to XXXX who took my concern, but never reached back out to me. Instead, XXXX called me again. This is not the first time that I have had concerns with the reps who contacted me. I have saved voice mails from them as well as dates when I have asked them to discontinue contacting me and to use mail as correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
The lender would rescind the trustee 's sale and allow the process to continue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX, I found some accounts that didn't belong to me with Equifax, so I disputed the accounts, and they came back verified as mines .So I requested a verification method to determine how the credit bureau verified this false information as correct. Instead of conducting a proper investigation, the company didn't follow the correct procedure and claimed the items came back verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Their practice of charging to transfer Southwest ( SW ) rewards points from one member to another is unethical, deceitful, and easily misinterpreted! On XX/XX/2022 I got charged {$600.00} to transfer XXXX points to my daughter because she was making our reservations for four tickets because she had a SW credit she was using also. When she couldn't use her SW credit and the reward points, she transferred them back to me and also got charged {$600.00}. We thought the charge was a " holding fee '' to complete the transaction and never dreamed that we were actually being charged {$600.00}. Is that even legal to be charged again for points I earned through prior purchases with my Chase SW credit card?

I immediately called SW and spoke with a rep, who eventually transferred me to a specialist and both said they could do nothing. I understand SW will make changes to transactions with no problem within 24 hours with no charges. As we called them immediately after the transfer and we noticed the {$600.00} charges, this should not have been an issue to reverse. Mind you, it was an almost 2 hour call, mostly on hold! Now I have been charged {$1200.00} for NOTHING! This is the first, and last, time we will fly SW. 

In the spirit of transparency and good faith business practice, SW should not allow passengers to transfer points on-line but require them to call and speak with a SW agent. Then the agent can make sure the customer understands that they will be charged an astronomical amount to proceed with the transaction! If that was clear I would never have transferred the points and then have my daughter transfer them back to me. Obviously, we grossly misunderstood their policy on transferring points.

In checking out SW reviews others have also complained of this very same thing. Not that their rating could get any worse as XXXX XXXX XXXX gave them a XXXX  rating and XXXX  out of XXXX  stars. XXXX XXXX website rated them XXXX stars out of XXXX I'd leave a XXXX XXXX  star if I could. Obviously, they continue to practice in an unrighteous manner and the public needs to be alerted so they dont fall victim of SWs unethical, deceitful practice! This practice needs to be exposed and it needs to be changed!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have been damaged by Amex Credit because their " random '' was not random. 
The audit was conducted in n retaliation for withdrawing funds in a country where XXXX was not honored. 
Amex cut my credit value from unlimited to XXXX From XXXX to XXXX and from XXXX to XXXX these actions occurred without my knowledge or consent and caused my credit rating to drop XXXX points ( depending on the reporting agency ) this caused a situation where prior usage was not problematic current usage appeared excessive secondary to the lower limits. 
Additionally, Amex closed a checking account without my knowledge or consent in retaliation for prior reportage to CFPB of their actions. 
Their reason claimed was " bad address '' which was due to the input of am employee and had nothing to do with me. 
The damage us at the point where I downgraded my card because it was not worth maintaining s higher fee on a card worth a few fractions of the annual fee. The actions of Amex despite 19 years of experience and full service banking have now become punitive as I can not reopen my checking account and am being told that I have to prove my income with collateral information that was not necessary to acquire the account in the first instance.

The actions of Amex as of this writing remain in violation of the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 16911691f, and the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) 2 The Federal Financial Institutions Examination Council ( FFIEC ) Interagency Fair Lending Examination Procedures ; page 29.

3 The FFIEC Interagency Fair Lending Examination Procedures ; page 32.

4 12 CFR 345.41 ( a ).

5 12 CFR 345.41 ( c ) ( 2 ).

6 The FFIEC Interagency Fair Lending Examination Procedures ; page 32.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello, I have disputed a bankruptcy showing up on my report in 2013. Since I have opened many accounts with a 100 % on time payments. I have taken advice from credit report companies and score goes down a lot. My score stays between XXXX XXXX approximately. Over the last eight years I have paid and continue to pay tens of thousands in interest. My report doesn't even come close to accurately describe my responsibility to make payments on time. I have been told bankruptcy should be removed after seven years and one of the reporting agencies ( XXXX  ) removed it and my score went way down. Equifax, XXXX  do not remove even when I dispute it and request they remove. I am a lower income senior who needs help. 

Thank you for your time, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX  XXXX .... Balance : - ; XXXX XXXX XXXX XXXX .... Balance : {$5500.00} ; XXXX XXXX XXXX XXXX. Balance : {$4300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: 1st Franklin Financial Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
1st Franklin Financial ( XXXX, Ga ) is reporting to credit bureau, my payments on a previous account as having been paid 60-90 days late each month. In XXXX they filed a judgement against me, after which, per the terms of the judgement, I paid them on time each month, until the debt was settled in XX/XX/XXXX, and I received a letter from them stating as much. While in the process of trying to obtain a mortgage loan in XXXX, I discovered this discrepancy. I initially contacted 1st Franklin, but was told I needed to file a dispute with the credit bureau. When I did, received notice from XXXX  that it had been verified, so no changes were made. On XX/XX/XXXX, I went into a local 1st Franklin Branch and obtained a printout of my payments, which were all  showing as on time. I then filed another dispute with XXXX, submitting this information as proof. I received a response from them on XX/XX/XXXX, dated XX/XX/XXXX, with payments still showing 60-90 days late. I then visited 1st Franklin again on XX/XX/XXXX for an explanation. I was then told to contact their Quality Assurance dept. It was at this time I was finally told that although I was making payments on time according to the judgement, I was actually still past due, so those payments didn't count in the actual month they were made. After not feeling satisfied with this answer, I was referred the the Regional manager over the XXXX Ga branch. I spoke with him on XX/XX/XXXX, he was very rude, disrespectful, and condescending. He informed me that nothing would change and that I did not pay my debt on time. When I asked why this was not disclosed to me at the time, he just continued to repeat, I did not pay my account as agreed. I do not feel that I was given full disclosure as to the status of my account and how payments were being applied. I never received anything stating I owed anything additional to what I was paying. Print out received on XXXX, does not even reflect this. 1st Franklin needs to update my credit report to show my payments on time as I feel they are in violation of my rights as per the Fair Credit reporting Act and the Consumer Finance Protection Board.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$250.00}, {$600.00}, {$500.00}, {$500.00}, {$300.00}, {$310.00}, {$3100.00}, {$600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$250.00} -This is not my account. 

2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$600.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$310.00} -This is not my account. 


-- PERSONAL LOANS 7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$3100.00} -This is not my account. 

8. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$600.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 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 or 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 2021-07-12
Company: Navient Solutions, LLC.
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: Old information reappears or never goes away

Complaint:
I have student loans for XXXX and US Department of Education. The loan has been forgiven as per required for 100 % XXXX veteran. I had it removed and it came back on my credit report all 3 of them. Please remove and KEEP OFF I have done this several times over and over and it has created financial hardships at various and multiple times. The debt was forgiven in late XX/XX/XXXX. Please remove and keep off my credit report in the future. I have submitted all documents in the past proving that debt has been closed and that I have been awarded since XX/XX/XXXX. Please reflect all dates back to that date also. Thank you, I hope this will give me the freedom to finally use my VA home loan and purchase my 1st home ever instead of renting my whole life because of credit issues with " Student Loans ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: FISERV INC.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have tried contacting this company and the website says to contact XXXX and then the card says to contact XXXX but I ask for the fraud department and Im told that they dont have one to transfer me to. The email they provided me was for fiserv and that isnt the financial institution that is providing the cards. This card is for XXXX XXXX and I seem to have to be transferred to a different department to even speak with someone in customer service. I also believe that my phone has been hacked. I have tried numerous times to work with XXXX and have also gotten a new phone. This has been something I have gone through before and had to end up filing 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 2021-07-12
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted Equifax a few weeks ago letting them know that I had been a victim of identity theft and they refused to remove these inquires. I am contacting them again with the information they requested to have the remaining things deleted.

Company response to consumer: Closed with explanation