BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I was scammed on XX/XX/2021 from an unavailable caller telling me my XXXX Account had been hacked for {$990.00}. They took me through a series of steps to protect my account, also having me download the " XXXX '' app on my phone. I spoke to 3 different people. The first person said he had to transfer me to his supervisor, he had me request money through my XXXX and when that didn't work, he transferred me to his XXXX who had me request money and when that didn't work, he had me send {$990.00} from my checking account ( which is now closed ). I was then transferred to the 4th person who told me that he was the hacker and I had been hacked. I immediately called XXXX who said they did not make the call and then I called Bank of America. I spoke to 2 people at Bank of America that Saturday and then I believe 2 or 3 people on Monday XX/XX/2021. I also filed a police report. Last week I received a letter from BOA telling me that my claim had been denied and I have lost {$990.00}

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 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 submitted an online dispute to have a paid and closed account removed from my credit report. Instead, XXXX  reporting the account as recently paid upon as though it was closed recently when it was closed in XXXX. The began reporting all of the payment history again and as a result my credit score dropped 20 pts.

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 2023-10-07
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I received a check from XXXX XXXX XXXX, a financial institution where I had a bank account until a few months ago, it was decided to close this account and so the check in question is sent as a refund for the remaining funds in the closed account.. I then proceed to deposit this check into my Citibank checking account, the next day Citibank decides to block my account, I called by phone to find out the reason for the blockage and they told me that it is due to a check deposit and that they will proceed to verify and provide me with a response within 48 hours. After this period, I decide to call again and I am told that the bank decided to close my account, considering the check invalid and that a check with the remaining funds will be sent to me in 60 days. I reply again to the bank issuing the XXXX XXXX  check, they indicate that the check can be cashed at any bank, that the check is valid ; However, I have not been able to do so in any bank or financial institution. This has caused me economic damage by not being able to have funds to pay rent and services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am writing to request the removal of bankruptcy reporting from my credit reports. According to the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( 2 ) ( B ), it is required that credit bureaus verify the full social security numbers and dates of birth from the courts before reporting public information such as bankruptcies, evictions and/or criminal histories. However, the Privacy Act of 1974 and the Federal Rules of Civil Procedure 5.2 prohibit the courts from reporting the full social security numbers and dates of birth on all publicly available court records. 
As a result, any bankruptcy reported is unverifiable and in violation of both federal and state law as stated above. I believe this violates my rights under the FCRA and could subject the credit bureau to a class action lawsuit should a similar situated class decide to pursue such action. Therefore, I am requesting that any bankruptcy reporting be removed from my credit reports immediately. 
I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of the bankruptcy reporting from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: UT
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 called and spoke with a representative at Equifax on XX/XX/XXXX. I requested the results for all disputes submitted after XX/XX/XXXX. The representative stated he was able to provide results for some but unable to provide me results for all disputes. I asked " does that mean Equifax does not have the results for these disputes '' and he responded " it is possible that is the case ''. I demand Equifax provide me with complete and accurate results for all disputes filed after XX/XX/XXXX including but not limited to the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Please see prior Consumer Financial Protection Bureau ( CFPB ) complaint number XXXX filed XX/XX/2020 against TransUnion for inaccurate credit reporting of XXXX ( XXXX ) federal student loans currently serviced by Department of Education-XXXX XXXX. TransUnion 's response to CFPB complaint XXXX filed XX/XX/2020 merely referred said complaint to XXXX XXXX with no action or investigation by TransUnion whatsoever. Wherefore, thereafter XX/XX/2020, I requested a copy of my TransUnion credit report to ascartain if any corrections had been made by TransUnion. See EXHIBIT 1. TransUnion denies free copy of credit report in direct violation of Federal Trade Commission ( FTC, see EXHIBIT 2. website copy ) website information that " weekly credit reports are free. '' I want TransUnion to provide me a free copy of my current credit report as required by federal law and policy.

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 2023-10-07
Company: Spring Oaks Capital, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Checked my report and there is a charge on there from XXXX from XXXX XXXX XXXX XXXX XXXX for {$1700.00} I contacted XXXX XXXX in XXXX Illinois spoke with XXXX XXXX, a fraudulent invoice was emailed to me from a XXXX purchase. 
I did not purchase any furniture from XXXX in XXXX nor could XXXX corporate provide proof any furniture was delivered to my home nor had a signature that i received furniture in XXXX. 
XXXX XXXX XXXX said i opened an XXXX card in XXXX which is not true nor could they provide the original documents. XXXX XXXX also state a {$30.00} payment was made in XXXX but couldnt provide what card was used to make this suspicious payment. Please help they are reporting fraudulent dates on invoices and being very dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Genesis FS Card Services, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Yesterday XX/XX/XXXX I attempted again to make a payment with Genesis credit for my account online services were denied for credit card use my credit card was removed from the online site I had to then input my information for routing and account numbers payment was made but no receipt has been sent nor is a payment pending on site payment made XX/XX/XXXX and XX/XX/XXXX due to same issue of not posting or sending receipts sending false text that payments are late when second payment on XX/XX/XXXX was stopped by financial institution due to double payment and false reporting of credit agency credit agency applied {$29.00} fee for return check easy payment process for online has not been substantial company is not being accountable for actions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing this complaint regarding a modification on my mortgage. I was offered a repayment or trial payment of XXXX for 7 months. I have had a hardship for the last several years which caused me to fall way behind on my mortgage. I have asked Select Portfolio Servicing to please give me a affordable mortgage so that I can maintain the home. They on purposely gave me the XXXX trial mortgage for me to loose my home. Select Portfolio Servicing has never tried to work with me due to my race and XXXX. They sent a letter saying if I couldnt pay the trial payment to surrender the property. I have always received letters like this as well as foreclosure letters too which has made me file bankruptcy in order to keep the property. I am asking them will they please give me a affordable mortgage so that we can move forward with this matter. I need a place to stay. I want to stay in my home. It need repairs as well. Please help at this point. Also can I get assistance on the repairs as well. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX XXXX Credit card opened XX/XX/XXXX, closed XX/XX/XXXX Amount : {$280.00} I contacted the bank to try to resolve the matter but was told nothing could be done. 

XXXX XXXX XXXX The credit card opened in XX/XX/XXXX, Closed in XX/XX/XXXX, XXXX late payments were reported in XXXX and XX/XX/XXXX I contacted the bank to try to resolve the matter but was told nothing could be done. 

XXXX XXXX XXXX  The credit card was opened in XX/XX/XXXX and is still open Two late payments were reported in XXXX and XX/XX/XXXX I contacted the bank to try to resolve the matter but was told nothing could be done. 

XXXX XXXX XXXX XXXX The loan opened in XX/XX/XXXX, Loan closed in XX/XX/XXXX XXXX late payments were reported on XX/XX/XXXX, and XX/XX/XXXX I contacted the bank to try to resolve the matter but was told nothing could be done. 

XXXX XXXX XXXX XXXX The loan opened in XX/XX/XXXX and closed in XX/XX/XXXX XXXX late payments were reported for XXXX, XXXX, XXXX of XXXX, and XXXX of XXXX I contacted the bank to try to resolve the matter but was told nothing could be done.

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 2018-08-28
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I attended college and within a few years was working for the XXXX of MN. After several years of government employment it was made aware by the State that student loans could qualify for PSLF. I applied and was surprised to learn i really only had two option for repayment under this plan.. each option would increase my payment by 300 %?? I have been working for the XXXX for 10 years and repaying with standard repayment. I requested on several occasions a " credit '' of some sort for the past 10 years of public service from XXXX XXXX. The response was no credit and i needed to change my payment ot income based thus increasing my payment again by 300 % and not paying the loan off any sooner ... feeling scammed by a " public service '' for my public service ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: BARCLAYS BANK DELAWARE
State: MO
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:
When I opened my credit card account back in XXXX. I was promised XXXX miles. I only received XXXX miles. I just traveled to XXXX last month and I heard the flight attendants advertising the same promotion of XXXX miles for opening up the same credit card. So I took the same application I filled out in XXXX. I have it here in front of me. Sure enough in the fine print, it says I am to receive XXXX miles after a net purchase is made within the first 90 days of your card account open date. My husband and I both opened our own accounts and should have got XXXX miles total. Barclays just called him today and said they were giving him the extra XXXX miles they promised. See attached photos.

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 2023-10-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I never did business with Portfolio Recovery Associates LLC but they reported a debt to all three credit agencies XXXX, XXXX, and XXXX. This company reported a debt of {$620.00} with an account # of XXXX on XX/XX/2021. The original creditor was XXXX XXXX XXXX I never received any notification that this debt was owed and want it to be removed as soon as possible. I tried disputing this debt with all three credit agencies, Portfolio Recovery Associates LLC and XXXX XXXX XXXX  but all was just a waste of time and nothing was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX : XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 
Thanks.

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 2021-12-27
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax shows my XXXX XXXX credit card ending in XXXX as closed, when in fact it is not nor never has been closed. This started on XX/XX/21. I have filed XXXX separate disputes with Equifax XX/XX/21, XX/XX/21 and XX/XX/21 only to be told every time that the account is closed showing transferred/sold. When XXXX XXXX is contacted by myself, they confirm that the account is open and in good standing. They both point the finger at each other and NO ONE is willing to help. XXXX 's credit report is correct and shows my XXXX XXXX credit care as active.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and XXXX XXXX XXXX completely from my Credit Report : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
they contact me once a week and constantly harass me after i explain to them it was fraud i was incarcerated during the time period

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2023, I was denied a credit card with USAA. Title 15 subsection 1611, False and misleading denial of my own credit. I was sent a letter of my denial with unexplained and misinformation attached to the reasons for a denial.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Credit Card Issued : XX/XX/XXXX Credit Card # : XXXX Seller : XXXXXXXX XXXX XXXX  Creditor to whom debt is owed : Portfolio Recovery Associates , LLC XXXX : {$1700.00} I was first contacted by Portfolio Recovery Associates , LLC in XXXX and they indicated they would take me to court or garnish my credit as i owed them money. I went ahead and made a {$300.00} payment and never heard back from them, they stated the amount at that time was a little over $ XXXX. 

On XX/XX/XXXX they sent me a letter stating I still owed them monies in the amount of {$1700.00} for a XXXX XXXX XXXX credit card ( XXXX ) issued in XX/XX/XXXX. I contacted their offices and reminded them they statue of limitations for the state of California is 4 years, and they had contacted me 8 years later in XXXX demanding payment with an ability to garnish my credit or sue me. 

My debts were also XXXX by the court in XXXX, CA in XXXX via XXXX XXXX XXXX 

I would like them to stop harassing me with calls and correspondence as this was already resolved via XXXX and also the state limitations for California. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 SECTION 602 STATES THAT I HAVE THE RIGHT TO PRIVACY!! 15 USC 1681 Section 604 a section 2 it also states that a consumer reporting agency can not furnish an account without my express written consent ; under 15 USC 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 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 2023-09-17
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023 a transfer was done out of my hold account and money was put in the daily checking.I did not do this transaction and the bank never gave me a fraud call. Some pretending to be me called PNC accomplished the transfer. I noticed my account was XXXX and something and the local branch office in XXXX XXXX told me several times that this money was flagged and got transferred right back to my hold account. 
I knew there was an error because of the negative balance.I brought this to the attention of the XXXX XXXX XXXX XXXX XXXXk. I was called by. XXXX and he confit that the money went right out of my account. It never returned. I made a police report to XXXX XXXX XXXX in Washington PA where I believe the theft or fraud occurred. I was telephoned by XXXX again and told her that they needed evidence to convict. She told me to request that the XXXX do a PNC bank supeona so that he can add evidence to his report. She gave me the following address to send it : XXXX XXXX XXXX XXXX. 
Important Next line- XXXX, XXXX, OH XXXX XXXX I reached out to the XXXX via telephone was yesterday, XXXX XXXX, XXXX. His name is XXXX XXXX XXXX XXXX @ XXXX. The report was taken approximately a month ago. Report no. XXXX. XXXX. I did not get a response. I will follow up with XXXX email asking to XXXX PNC, per XXXX. 
So I know the person that did this and I want either the bank to fix this for lying to me, or/and have the woman federal charged.

Company response to consumer: Closed with explanation