BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On several dates I requested the proper adjudication of multiple claims. 
-Several claims were mishandled and not completed as advised. 
-On XX/XX/XXXX BOA Claims Mgr advised I would receive my funds returned to me via check from XXXX claim amounts : {$190.00} {$48.00} {$48.00} {$48.00} {$22.00} -BOA has not disbursed issued my deposit funds after account closure. 
-Claims were not processed or resolved in the proper time frame per California State guidelines. 
-BOA is in violation of the claims adjudication time frame. They keep reopening claims as stall tactics. 
-Claims were not filed correctly resulting in an erroneous denial. Even though proof was provided. 
-On XX/XX/XXXX and XX/XX/XXXX I provided multiple faxed documents requested by BOA to local Bank Center . Was advised claim would be resolved within week. It has been over a month in addition to the the original filing date. 
-Ive made several calls with an Attorney conferenced on the call when Ive spoken with ALL agents. Misinformation, false information, harassment, discrimination and retaliation was witnessed by Legal counsel and BOA employees who were also conferenced on the calls.

-Unethical bank practices -Failure to properly authenticate account when conferenced with a 3rd party merchant. XX/XX/XXXX -On XXXX XXXX XXXX XXXX ( merchant ) was conferenced on call with myself and BOA Supervisor. Sup did not follow proper 3rd party call, she heard the merchant advise they could not honor purchased voucher and to get refund from XXXX XXXX XXXX had violated the agreement between those two. Sup did not document any information, she did not reopen claim as she advised she would and call was dropped and BOA Supervisor did not call back. 
-I specifically requested phone only contact due to my XXXX in presence of my legal counsel. BOA refused to honor that request. 
-BOA claimed they did have Mgt available - On XX/XX/XXXX -I contacted BOA XXXX  times, was passed around, refused service and was spoken to and treated horribly. In addition I had to file multiple formal complaints over multiple days : Complaint ID XXXX XXXX XXXX XXXX XXXX ID XXXX NO mail only XXXX XXXX ID disconnect complaint frm XX/XX/XXXX Req XXXX Belligerent employee ref esc XXXX Acct not authenticated XXXX BOA has violated my Consumer Rights as well as my Privacy Rights. They are in violation of the FOIA Freedom of Information Act.

I am interested in pursuing legal action.

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 2023-01-04
Company: DISCOVER BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited a mobile deposit. Discover Bank took the deposit, theres no problem with the check. 3 days later it still hadnt been put into my account. So I called. They said there was a problem with their system, but they would honor the payments I made to other companies iff that check. I checked my account later in the afternoon, and they had sent payments back even though they knew it was their XXXX issues. So I called spoke to someone who had a baby in the top. With her. She was obviously working from home, and there is no way of knowing who else was in the room. Discover says they have no idea when it will be fixed and they are now intentionally hurting my credit and causing fees, with no end in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
they keep calling and never leave a message or identifiy themselfs, i XXXX the phone number and i found out that they are genis credit and their a debt collector, but they never say what its regarding and who the creditor is, i never received a written noticed from them in the mail. please investigate them and end this abuse, i have put in several complaints but they keep calling and hanging up at least once to twice a week

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
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:
XX/XX/22 called all three reporting agencies and they refused to remove

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 2022-07-20
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Wednesday XX/XX/2022, I entered my Huntington Bank credentials on my new phone to log in to the Huntington Mobile app.

They had not been saved after upgrading my previous device, and were first in error before entering the correct combination of characters. Thereafter, I received a message informing me that I was unable to login from this device and was required to call customer support for resolution. 

Upon doing so, I was informed by a representative that my account access was revoked due to suspected fraud and identify theft. 

He insisted that I had been locked from my account and its balance for those reasons, despite the fact I could still ( at the time ) log in via web browser and in actuality was in that very moment, having done so successfully while on a brief hold. 

In light of that, Huntingtons representative attributed the good standing of my web status to an error and responded to my request for identity verification with another hold so as to consult his superiors. 

Upon return to the line, he reiterated his response to prior iinquiry that I was expected to visit a local branch despite living XXXX miles away from the cited ( nearest ) location of XXXX XXXX XXXX, XXXX PA. 

Per subsequent discussion, the branch of XXXX XXXX XXXX, XXXX NJ, at a distance of merely XXXX miles and fully listed on XXXX Maps as a functional location is not so. 

Explicitly expressing my establishment of membersip with the understanding of it being available was evidently not an issue significant enough to warrant re-consideration of the situation, so I thanked the agent him for his time before ending the call. 


XXXX via Huntington Banks social media response team ( @ XXXX ) resulted similiarly, after which I chose to post publicly, then ultimately escalate in this manner. 

A customer advocate ( XXXX ) did reach me by phone in the meanwhile on XX/XX/XXXX to indicate her awareness of my complaint, and left a message yesterday morning whilst in the middle of my workday, however my later follow-up call was missed and I have been unable to speak with her since. 

A repeat of that today prompted me to leave another unanswered voicemail after arriving home and not receiving any correspondence. 

After said voicemail, dialing Huntingtons automated customer support line and speaking to a live agent both declared my account has been closed and its balance is zeroed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: PA
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:
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 explanation
Consumer complaint received 2020-03-10
Company: Midwest Recovery Systems
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Midwest Recovery violated the FDCPA. My sister was called today and was told I had check fraud in XXXX County. She was told to give me the number XXXX. I haven't received any mail or phone calls regarding their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit 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:
I used the USAA XXXX XXXX XXXX to book a rental car on XXXX XX/XX/2023 for a trip to XXXX, RI from XXXX XX/XX/2023. The total charge was {$590.00}. 

The rental was fully cancelled on XXXX XX/XX/2023 with USAA, XXXX days prior to the start date of the rental and well prior to the final date allowed for the rental cancellation. 

Upon return from the trip, the rental car charges were still showing on my USAA credit card account ending in XXXX and I placed a dispute with USAA. A temporary credit was posted to my credit card account and was later reversed on XXXX XX/XX/2023. 

Multiple calls and letters have been filed with USAA over a XXXX period to get the charge reversed to no avail, with the last request submitted to USAA on XXXX XX/XX/2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Paypal Holdings, Inc
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/19 my paypal acount was abruplty limited by paypal and they requested documents. Legitimate documents that were requested were provided and thereafter for absolutely no reason my account was placed on indefinite hold with {$1700.00} in the balance. This is is an illegal and unjust hold of funds and is causing me a financial burden.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME 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 non-monetary relief
Consumer complaint received 2018-01-27
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was injured at work and lost hours resulting in decreased income. I have fallen behind on my mortgage payment and am unable to contact the company. I have spent hours on hold and no one answers, or they answer and immediately disconnect the call. I call nearly every day. I am 4 payments behind and I had submitted one and a half payments to try and catch it up, but they returned that payment to me saying additional funds are needed.

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 2019-05-09
Company: GREAT LAKES
State: NE
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:
On XX/XX/XXXX I noticed a payment on my account in the sum of {$6200.00}. Immediately I reached out to Great Lakes to figure out what this payment was about. I customer service agent I spoke with told me it was a payment made by USDA on my loan and it was an actual payment and was correctly applied to my account. Then on XX/XX/XXXX, almost a year later, I receive a call from Great Lakes informing my that was account was past due by 351 days and I owe them {$1100.00} immediately and another {$1400.00} by XX/XX/XXXX to get my account current. I asked them when this came about they informed me that the payment applied to my account was applied incorrectly, and removed from my account. I asked the account specialist I spoke with and was informed my statements were correct, but if they were correct then the payments should still be on my account but they can't give me an answer beside the fact it was applied wrong account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I created my PayPal account two weeks ago hoping that I can use it as payment method for my clients whom I give my service as their child 's tutor or as a writer for their formal requirements in school such as essays and editorials. I usually pay by them once I'm done doing my task and approved by them. 

I received my payment once a week it's not big it was only range from XXXX $ - XXXX $ so I'm confused why PayPal accused me of sending " illegal files '' which I'm not doing it. I only do formal essay, editorial and tutoring. 

And now my newly created account was permanently limited because of accusations that I didn't even do once. I can't even send or widthraw my hard earn money from Paypal. 

That little money I earn from writings and tutoring helps me a lot in my daily bills and it's my only source of income as of now. Right now I didn't know what to do cus it affects me a lot, PayPal accusations without any proof makes my source of income end.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Contacted Convergys the Outsourced debt collections arm for XXXX. Ive contacted them and they were not even able to tell me what the exorbitant amounts of {$1400.00} entail. I disconnected an acct. in 2015 and turned in all Equipment to a XXXX store and disconnected due to a loss of a job and moving to another state. XXXX still has monthly charges that accrued and other fees that dont add up. They cant even provide me w a notice of collection of a debt for me to dispute it based in the fair debt act. 
Account no. 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 2021-06-28
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
In XX/XX/XXXX, I signed up with an XXXXXXXX XXXX XXXX to finance my XXXX XXXXXXXX for two years. The beginning balance {$6400.00}. I made consistent payments and had {$1400.00} remaining balance as of XX/XX/XXXX. Due to Covid, I lost my previous job and took a new job that pays a lot less. After reviewing my XX/XX/XXXX statement, I saw that my balance went up to {$3900.00}. The promotional deadline was different than my statement deadline, which is the end of the month. I was charged {$2400.00} in accrued interest after XX/XX/XXXX. I paid off my original balance of {$1400.00} on XX/XX/XXXX. 

It was my understanding that the interest was going to be of the remaining balance, not the original balance of {$6400.00}. This was my understanding based off what the credit card sales representative originally explained to me before I signed up for the promotion in XXXX. I was charged approximately 29 % interest of {$6400.00} on XX/XX/XXXX. I called XXXX XXXX XXXX on XX/XX/XXXX and explained my situation. The first customer representative claimed that I had no interest charged to my account but could not clearly explain where the additional {$2400.00} came from. I expressed my financial hardship due to the coronavirus and what the original credit card representative told me. He told me that I was receiving a credit of an unintelligible amount and that it will be reflected on my XX/XX/XXXX statement. 

I was skeptical so I called again for a different representative. Again, I explained my situation on how the pandemic severely diminished my salary and I struggled to pay but eventually paid off my original balance on XX/XX/XXXX. The representative told me that they could not do anything about the additional {$2400.00}. I asked if there was any covid-related assistance and she told me no because of the contract. I then expressed that the contract was confusing and that being charged almost 29 % of {$6400.00} was unconscionable and not my initial understanding as explained by the credit card representative who recommended the plan to me in XXXX. He explained to me that interest would be of the remaining balance -- not the original balance. Had he clearly expressed that it the interest was based on the original balance, I would had made payments differently. 

It is highly immoral for the credit card sales representative to make a false representation of the interest scheme, which I relied on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: AZ
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681 ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC XXXX 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. 
( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

There are multiple addresses, inquires, and misspelled names that are attached to my credit report.

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