BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Problem with personal statement of dispute

Complaint:
What happened : In XXXX, before leaving the country, I diligently requested Bank of America ( BOA ) to close all my accounts, including both my debit and credit cards, through their phone customer service. I was assured that all outstanding balances were cleared, and the accounts were successfully closed. However, unbeknownst to me, the credit card account was not actually closed ( while the debit card was closed ), leading to the accrual of a small amount of interest. Unfortunately, I wasn't informed of this until it had already become past due for several months while I was already in a different country, adversely affecting my credit score. Despite promptly settling the dues upon discovery, the incident has significantly hindered my credit opportunities since my return to the country this year. / What I did : I tried to contact BOA through the phone around two weeks ago, the customer service said they couldn't find any of my credit card history but could submit a report for me. Yesterday, I received the letter from BOA ( letter date is XX/XX/XXXX ) and it states : '' We reported that we closed this account on XX/XX/XXXX. This means we won't be adjusting our report like you requested and consider your dispute resolved. '' / How it impacts my life : Experiencing a sense of neglect from Bank of America after being assured of account closures, I'm struggling with the belief that once you cease to be their customer, they no longer prioritize your concerns. This has significantly impacted my life, leading to new credit application rejections, despite steady employment, due to the overlooked credit card issue. I earnestly hope for a fair resolution and a chance to rebuild my credit standing.

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 2022-05-17
Company: Comerica
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On or about XX/XX/XXXX, I sent a XXXX XXXX to an associate named XXXX. XXXX failed despite my having had sufficient funds in the XXXX XXXX. XXXX informed me money did not go through. The XXXX XXXX system became jammed where I could not get any of my money. I waited for Direct Express who handles my XXXX XXXX to take corrective action after I spoke to them. However, to this day, XX/XX/2022, I have yet to receive my money. Again, today, I spoke to a customer care representative at Direct Express who said that Direct Express does not accept third party deposits, and especially more than {$50.00} daily. He continued saying that my balance had been reduced to {$22.00}. My XXXX check that was XXXX to Direct Express in the amount of {$800.00} has disappeared without a trace in doing business to Direct Express and XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I attempted to access my account multiple time this week. However, I was not able to do so, as the system displayed an error message. 

In addition, I placed numerous phone calls this week to obtain the following objectives : 1. ) Letter Receipt Verification of Check Received- Verify whether the company received my letter and enclosed check for the balance on my account ( e.g., {$760.00} ).

a. Not only were the call reps not able to verify that they received my letter ( they indicated that they did not have record of my letter and check as ever being received ), but, in addition, they refused to address my additional questions regarding my request to remove this debt from my credit reports.

2. ) Letter Receipt Verification of Request to Waive Balance 3. ) Request to Remove this debt from my credit reports The company refused to make my account available. In addition, they refused to discuss this account with me and my requests.

Their action resulted in a continued detriment to my credit rating ; and an inability to receive enhanced credit terms and refinance various efforts. Their actions to delay removal of this debt continue to wreak financial cost on me and my family. Per XXXX and other credit resources, my credit scores are hindered by at least XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Last year the bank closed my bank account and held an amount of {$21000.00} that the bank supposedly returned to the SBA/ Department of Treasury for a distributed SBA XXXX XXXX XXXX To date, the SBA has been looking for this money to be paid back by me with interest ; SBA claims that the money was never returned to them and that Capital One took the money, and on one know what the bank did with this money. In my eyes, some one at Capital one took my money and claimed that they paid it back to SBA. This a theft and the money should be returned to me to SBA with interest.

I had contacted the SBA to get a clarification of why they are asking for the money to be paid back when your institution supposedly returned it to them. I was told that the SBA had yet to receive the money. I asked the bank to provide me with a letter clarifying where the money went/was sent to or verifying that it was sent back to the SBA.

For your reference, I have attached a screenshot of the SBA loan statement showing the outstanding balance. I appreciate your prompt attention and assistance in this matter. I look forward to hearing from you at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: LA
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX, I completed a XXXX transfer to a recipient named XXXX XXXX. However, Bank of America 's XXXX program changed my recipient to XXXX XXXX. When I received my email confirmation and saw that Bank of America changed my recipient to XXXX XXXX, I went back online to see what occurred. I tried to send another XXXX and noticed that Bank of America was changing my recipient each time. If I selected " XXXX XXXX '' XXXX would change my recipient to " XXXX XXXX ''. If I selected " XXXX XXXX '' XXXX would change my recipient to " XXXX XXXX ''. 

Just in case this was a temporary issue, I took a video of it. I called Bank of America and spent over an hour on the phone speaking to the non-fraud team and technical support team. I also went to my nearest branch. While at my nearest branch, the technical support staff wanted to mirror my online banking account so they can see what is occurring. 

I left the branch and drove back home. I logged on and when I tried to show the tech rep, the issue was no longer there. I explained to the tech rep that I have a video but the tech rep stated he is not able to receive emails from non Bank of America email accounts. 

I explained the following to the tech rep and both BOA employees from the non-fraud department : XXXX. I have a video of the issue and it is not my problem that BOA is not equipped to receive my digital evidence. They should be. 

XXXX. This is not a user error. This is a bank error. Bank of America 's online service sent my money to the wrong recipient. Bank of America needs to be accountable for this and issue me a credit to my checking account. 

XXXX. I was willing to complete a dispute resolution request. However, I should not be " hoping '' for resolution as this is a bank error.

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 2018-10-30
Company: Selene Finance LP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX my husband and i separated, i left the home at that time ... it took 7 years to come to a conclusion and a divorce with my husband retaining ownership of the home and property. We were divorced XX/XX/XXXX. At that time the mortgage was in good standing and up to date. The divorce agreement stated that my ex husband had to put the home in his name ( refinance ). He never did. And his last payment to the mortgage company was XX/XX/XXXX. He apparently didn't want the house but didn't want me to have it either. so fast forward to XXXX, i have very little power in this process due to the divorce agreement itself, i gave up my rights to the home with the understanding he would refinance, the house sits empty, i have worked hand in hand to the fullest extent i am allowed to, and finally signed a quit claim deed in XXXX. 6 mos later i am called by selene finance who states that the quit claim deed failed. I go thru the process with them all over again and it ended with this email From : XXXX XXXX [ mailto : XXXX ] Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : RE : 2nd part of email Correct. You are no longer the owner. You deeded the property back to XXXX XXXX who is the investor/noteholder. Every noteholder is required to have a servicer. XXXX and Selene are servicers. Hope that helps! You should be receiving your check sometime next week! 

it is now XX/XX/XXXX and i am still receiving statements from selene finance stating that i owe them money for the above named property, it still sits as an unpaid account on MY credit.. I have called, i have emailed, never any response, no help, answers or a game plan. this has destroyed my life ... i have no idea what do to next. i am now XXXX years old, i left at the age of XXXX i would like to have my own home again. NEVER NEVER would i ever do business with these people again, to say that they couldn't care less is an absolute understatement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: First Credit Services Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This FIRST CREDIT SERVICES account with a balance of {$220.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. 
To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX XXXX of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
According to Citizen 's Bank Peace Of Mind overdraft fee, a person needs to have by the day after by XXXX need to cover the amount your account was overdrawn by the previous so as not to incur an overdraft fee. 
On XX/XX/2023 my account by days end was over drawn by {$78.00}. The following day I made 2 deposits ( {$40.00} + {$46.00} = {$86.00} ) leaving me with a {$7.00} balance. Later that evening a {$62.00} pre-authorized debit went through this leaving me with - {$54.00} balance. The day after I then deposited {$60.00} to cover my negative balance and to take advantage of their Peace of Mind Overdraft protection and to avoid paying {$35.00} in fees. I should have had a {$5.00} balance I saw though that I was not credited for the overdraft fee from the prior day even though I had made the deposit to cover it so I contacted costumer service to find out that the fee remained because I had a negative balance due to the {$62.00} pre authorized debit later that evening.

This is not in keeping with their Peace if mind policy. I brought my account to a positive balance the day after as their policy states to cover the overdraft amount of XXXX. Then as you can see in their debiting of my account a charge if {$35.00} when I had a {$7.00} balance. Why? I had a positive balance as their policy states. 

This then overdraws my account to - {$27.00}. Then they deduct the {$62.00} pre-authorized debit. So their contention that that the overdraft of {$62.00} causing their fee is wrong as can be seen in the included attachment. 

I honored their Peace if mind policy by bringing my account to a positive balance the day after my XXXX XXXX overdraft the day after. 
I also brought my account to positive balance after what should have only been a - {$62.00} overdraft to what should have been a positive balance the day after as well. So I honored their policy of having the account brought positive both times. 

Why was I then charged {$35.00} after I had a positive balance on XXXX? 
Citizen Bank then further overdrafts my account to then the {$60.00} deposit I made after the overdraft which should only been {$54.00} because I had a {$7.00} balance. So then the the {$60.00} deposit should have left me with a positive balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-20
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
amex is refusing to honor veterans because XXXX wont do it and is conning people by the hundredfold. XXXX refuses to accept MIL ID, SSN, ACTIVE DL, PASSPORT INFO etc as valid us citizenship documentation and refuses to sync thier online info. 

bc of thier wreckless actions I am unable to open several thousand dollars worth of SECURED credit. 

I pay my bills have been slandered by others. I want an AMEX bc THEY issue and can replace the card, no nonsence XXXX. 

there is no other way to contact amex unless your a member or a XXXX robot. this is growing trend and is illegal. furthermore I demand thier fax info to prove my citizenship, which is more than XXXX will do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I deposited $ XXXX on my Cash App card at XXXX XXXX, after work I paid my credit card bills with my Cash App card because it has a banking route and account number. At XXXX XXXX  I get a message that credit card payment failed. I looked at my cash app account and find XXXX pending cash withdrawals at XXXXXXXX XXXX XXXXXXXX XXXX minutes apart in the amount of {$210.00} and {$200.00} and contacted cash app in their " chat box '' that XXXX should have cameras at the ATM and to catch this person while transactions are pending, without any response. I emailed cash app and got a response that they do not monitor emails to use the chat in cash app. I declared my card stolen and attempted to call XXXX but no answer. I then called cash app and she gave me XXXX ID Case # 's and said nothing else to do but wait for email and will take up to 45 days to resolve. I had spoke to chat many times with no resolution except that my case has escalated to the email team and they could no longer assist me through chat just to wait for email. This went on for 2 months, emails with no address found returned to me. And with my new cash app card and pin number another attempt from XXXX XXXX, XXXX XXXXXXXX was made on XX/XX/2022. I live in XXXX and have never used any credit card at a XXXX XXXX and my card was not stolen, it has never left my billfold. The Advocate said to get a new card and I said what makes you think I want another card my other cases are not resolved yet and another attempt with my new card can not be disputed because no funds were taken this time. All chats are kept on the app, I have all emails returned to me on my computer. I even wrote a letter to cash app on XX/XX/2022 with no response. I then noted that my statements from cash app stopped at XX/XX/XXXX and asked through chat where is my XXXX to XXXX XXXX statements with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Dear XXXX XXXX XXXX, Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$21.00}, XXXX written off. {$12.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$12000.00} Balance updated XX/XX/XXXX Recent payment $ XXXX  Monthly payment {$0.00} Original balance {$21000.00} Highest balance {$0.00} Terms 72 Months On record until XX/XX/XXXX I am writing to request that you provide me with information regarding your reporting of information to consumer reporting agencies ( CRAs ). Specifically, I would like to know what information you have reported and to which CRAs. 

I would like to make clear that I have not given permission for you to provide my credit report to any third party for any purpose other than those allowed by USC 15 1681b. This statute outlines the permissible purposes for accessing consumer reports, which include : Credit transactions Employment purposes Insurance underwriting Government licensing and benefit determinations Court orders Legitimate business needs Any other use of my credit report without my express permission is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Therefore, I request that you provide me with information regarding your reporting of information to CRAs, including the information reported, the date of the report, and to which CRA the information was reported. 

I also request that you investigate any disputed information on my credit report and correct any inaccuracies as required under USC 15 1681s-2. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-06-02
Company: NAVY FEDERAL CREDIT UNION
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: Information belongs to someone else

Complaint:
unfortunately, i went through a financially tragic moment where i lost my job due to covid-19 and as result, i missed several payments. 
According to the law I have my right to dispute what I consider unfair, and I consider it unfair that I tried to communicate with your banking institution representatives on several occasions and the answer was that late payments would never be removed from my account, I tried to explain my situation to continue being a client and constantly paying but the answer was always negative in trying to help me. I would have my payments made on time if this had never happened, now reflecting an unfair credit report from me

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