BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This happened in 2017 at Bank of America bank. I had just opened a brand new checking account with Bank of America. I can admit that none of this would have happened if I had inputted the correct account number for direct deposit for my job. I was off by one digit. Then XXXX the company I was working for at the time had to send me a check. So I waited maybe a week, because I remember receiving the check on a Saturday. My bank Bank of America was closed. So I decided to use the Banking Mobile Application to deposit my check. I completed the instructions as told, such as sigh the back of the check, then take a picture of the check on the front and back as I was instructed by there services. When it was ready to submit I pressed the submit or enter button to complete. Then nothing displayed on the app showing that the check I entered was completed. As a regular person would do, is to redo it. Only because I thought I didnt complete it right. So I proceeded to submit again. This time it showed completed. The next morning, I didnt receive any notification that my account was instantly Closed!! I did notice that both deposits of the same check was showing on the account. As a responsible citizen. I immediately called the bank, wondering what happened and why is the Checking Account I just opened is now Closed. 
I requested to speak to Supervisor to see what I did wrong and why they made that decision. He explains that they can close accounts anytime they want if they feel its fraudulent activity. Im complaining because they have made me feel like a Criminal, when I didnt have criminal intentions. Its was a simple mistake that I didnt notice happen until the next day. Plus they didnt even bother to ask or see or hear my side of the story. This is Discrimination towards me. There account services made my look like XXXX for not understanding. I have never been treated so horrible in my life. Their decisions were unfair!! When I went to the bank yesterday to be added on to my fianc account. I was still denied it has been two years almost. The representative stated We have a right to close an account like you do.

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 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-11-05
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have had the reliacard since XX/XX/XXXX XX/XX/XXXX..when i received it and try to activate it the card had a block on it before i could use it. I have called reliacard throughout XXXX and XXXX trying to activate my card. When i received my card it had XXXX on it now XXXX there is XXXX on my card and reliacard refuses to give me access to my money. I have sent in faxes with peoof of identity i have talked to over 20 reps who are no help at all. I received a message from reliacard on XX/XX/2020 telling me to upload a selfie and id i did this twice and card is still locked. Ive called countless times just to have them say oh upload it again! My bills are swamped im stressed out. I just want my money and reliacard is basically holding my money without fair reason ive done everything they have asked and still no help 2 months later this is ridiculous

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 2022-12-29
Company: Credit Karma, LLC
State: DE
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: Didn't receive services that were advertised

Complaint:
On or around XXXX - XXXX I saw a lot of pre approvals on credit karma at first I didnt pay it any attention but credit karma kept sending me all sorts of different pre approvals telling me that I was pre approved for credit cards, personal loans and that I can refinance my car everyday I would see these offers every time I log in to see my credit scores so after a few months of being told I was pre approved I thought I was now in the perfect place to apply I got so many offers through credit karma  I started telling my whole family about vacations and investments we were going to use these pre approvals for. So I applied some time around XXXX and I got denied for 2 credit cards and a personal loan I was distraught I was very very angry and I felt deceived I was marketed to for months, credit karma told me I was approved this was a lie. I was severely stressed out I was XXXX for weeks I had XXXX so bad I became XXXX my XXXX  went from XXXX to XXXX now every time I see pre approvals i immediately close my phone and XXXX my computer off this make me so uneasy that I havent checked my credit as frequently as I should.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
1. I have a business account ( ending in XXXX ) with Huntington, and between the end of XX/XX/XXXX and and XX/XX/XXXX I was charged multiple overdraft fees, sometimes 3-4 times in one day. 
I deposited some money, but some of those fees have not been refunded. 
For example : on XX/XX/XXXX I was charged 3 times This is excessive overdraft fee charges. 
When I opened my business account 3 years ago I was told by the banker if I want overdraft protection, and I said no, which means I opted out. 
It looks like this banker just lied to me, making me believe that if my balance was 0, the payments would no go through. 
I made a lot of returns between XXXX and XXXX, and the refunds were hold for 4-5 days, and this actually caused my account to go into a negative balance. 
The refunds were delayed and rearranged in a way to make my account to go into overdraft. This is against the law, and I know you were sued for this reason and excessive overdraft fees. 
2. There are also 2 International Debit card Transaction fees as follows. 
XX/XX/XXXX {$2.00} and {$.00} on XX/XX/XXXX I have no idea why I was charged. I have never used my card anywhere outside of the US.

I want those 2 fees refunded. 

I have called your customer service phone number many times, but I was put on hold for 20-30 minutes and no one answered. 
I want all the overdraft fees refunded., and the international fees as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-02
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:
Dear Credit Reporting Agency, Please provide evidence the following account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information. 

Account Name : XXXX XXXX XXXX COLLECTIONS : XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02
Company: NCB Management Services Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally lodge a complaint against NCB  XXXX XXXX, a debt collection agency, for their unjust and unethical practices in attempting to collect a debt that has not been properly verified and is beyond the statute of limitations. I am deeply concerned about their approach, which appears to violate the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. I recently received communication from NCB XXXX XXXX. in the form of an invoice and a copy of a bill, both of which are being used as evidence to support their claim for debt repayment. However, I find their approach inadequate and problematic for the following reasons : 1. Failure to Verify Debt : According to the FDCPA, debt collectors are required to provide validation of a debt upon request. I have made an official request for debt verification, and all I received in response was a copy of a phone bill and an invoice to pay. This does not constitute sufficient verification of the debt 's legitimacy and accuracy. 2. Expired Statute of Limitations : The debt in question is beyond the statute of limitations, which means that the legal timeframe for pursuing collection actions has expired. Despite this, NCB XXXX XXXX, is attempting to collect the debt, which raises concerns about their adherence to legal guidelines and ethical standards. XXXX. Insufficient Documentation : A mere copy of a phone bill and an invoice does not provide the necessary documentation to prove the validity of the debt. Without detailed information and proper validation, it is impossible for me to assess the accuracy of their claim. XXXX. Furnished the written validation notice within the required time period and otherwise complied with applicable validation requirements ( XXXX XXXX. XXXX XXXX. Company has no Contract between XXXX XXXX and NCB XXXX XXXX, I kindly request that the Department XXXX XXXX XXXX and XXXX thoroughly investigates this matter and takes appropriate action against NCB XXXX XXXX. if they are found to be in violation of consumer protection laws. I believe their actions not only undermine my rights as a consumer but also contribute to the erosion of trust in the debt collection industry as a whole. I am attaching copies of all relevant correspondence from NCB XXXX XXXX, as well as any communication I have had with them. I appreciate your attention to this matter and your commitment to safeguarding consumer rights. Please feel free to contact me at XXXX or XXXX if you require any further information or clarification regarding this complaint. I look forward to a swift resolution to this issue and the restoration of my rights as a consumer. Thank you for your time and consideration. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX. I believe I have been the victim of predatory lending practices on the part of Wells Fargo Home Mortgage Company, which purchased my home loan in XX/XX/XXXX. My home loan, upon a modification by Wells Fargo, went from {$43000.00} to {$52000.00}. In addition, the maturity date went from XX/XX/XXXX to XX/XX/XXXX. The total capitalized amount by Wells Fargo came to {$9500.00}. I discovered a signature page in my records that went unsigned by either myself or my wife XXXX. I believe I was taken full advantage of by Wells Fargo due to my inexperience in this arena.

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 2023-10-21
Company: Experian Information Solutions Inc.
State: LA
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 see that same information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$6100.00}

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 2023-04-21
Company: EQUIFAX, INC.
State: LA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: Remitly, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2019, I initiated a transfer for {$1500.00} XXXX  dollars to XXXX. The funds were deducted from my XXXX XXXX Account ending in XXXX on XX/XX/2019. Funds were to be available by XX/XX/2019. Subsequent to the transfer I was asked for additional information that was already provided to Remitly. I was then informed that it would take an additional 5-7 days for the transfer to be processed and ready for pickup. Because of the many false representations and outright negligence of Remitly I elected to cancel the transaction. I received an email confirmation of the cancellation on XX/XX/2019. In the email Remitly falsely claimed that, " No funds will be withdrawn from your account. '' The funds have been deducted and as of this writing have not been returned to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
this is fraudulent act on my account

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 2023-04-21
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: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : 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 non-monetary relief
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: NJ
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

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 2019-08-06
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Wells Fargo has continued to allow unauthorized transactions on my account since 2015. Consistently processing my debit card 3 and 4 times in a row in a twenty four hour period, claiming insufficient funds, applying a XXXX $ for each then approving the final attempt. Sending me overdraft further and further each month. Eventually I was forced to live on less than XXXX per month for a year before finally my account was overdrawn before my direct deposit was processed. The applied a freeze or hold on my social security direct deposits. Claiming I needed to unfreeze my account by bringing it to positive balance to reactivate it. My direct deposits were then returned to social security as it appeared my account was closed to the computer mot on HOLD as they claimed, then released after 5 days. I contacted social security for six months each time updating my bank info to be deposited each month, but it continued each time. When I tried to switch banks for my direct deposit I was notified if I transferred my deposit info to a new financial institution I'd be charged with bank fraud for closing my negative account. Help please..

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 2021-03-05
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
In XX/XX/XXXX I contacted cash app about a transaction that was put through a few transactions actually that were put through on my card from the XXXX hotel I contacted the XXXX hotel and to find out what these charges are for and they were for things that I do you had no part in extra charges to the room that should not have been there they were very hard to contact and not willing to communicate back with me this is the very beginning of the pandemic so I notified cash app and try to attempt to open up a claim him on that charge and cash app kept giving me the runaround and kept messaging me back in like asking questions about the transaction even though I gave them all the information they needed. In the end they never opened up our claim for the for these charges fast forward to the last few weeks I contacted them again about these charges and they said I didnt contact them within the timeframe if they allow however I sent them an email showing that I didnt contact them regarding the issue and they do not wan na have any part in it I dont wan na hear about it In addition to that Im not able to access some of the statements that are they have online for me and I asked them for a paper copy and they refused to send me a paper copy I just dont know what to do at this point and I would like to have my money back for the transaction I tried to open a claim on and on my follow their rules and I contacted them and they never did it on their end its very hard to contact him because he can only do so by email you can not call them they will not call you they will not contact you or do anything like that and its very very difficult him to fix some thing with them theyre rude and Im noxious and their emails and condescending saying oh so happy to help you like in while Im angry in my messages its a really horrible They confirmed with me last month the charges im disputing After double checking at your account, I can see XXXX THE charged {$120.00} on XX/XX/XXXX at XXXX XXXX  CT, {$50.00}, {$25.00} and {$25.00} and {$76.00} on XX/XX/XXXX, more than 60 days ago. 

I quoted part of the email message that they sent to me him in XXXX however the previous year in XXXX I contact them multiple times to try to open this claim in every single time I was met with him instructions on how to open the claim even though I told him I want to open a claim and I will call them both for the charges on where it was the score and the reason it was for I even sent them an email from the XXXX hotel Im showing that they were being difficult with me and that I had contacted them to prove that I contacted them them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 explanation