BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently received temporary letters of administration for my father 's estate in XXXX XXXX, the estate of XXXX XXXX. 

Residing in XXXX, I was required to open an estate account within XXXX XXXX XXXXXXXX. Representatives from the XXXX, XXXX branch of Bank of America, including the Financial Center Manager, assured me they could facilitate this. They mentioned a memo about their ability to open accounts in another state. 

On XX/XX/, I visited the local XXXX branch with all necessary documentation to open the account. The branch representatives confirmed they could provide online banking access, enabling me to manage estate liabilities and receive rent from estate properties. I deposited a cashier 's check for {$1000.00} into the new account. 

However, upon returning to the branch on XX/XX/, I was informed that while the account had been opened, XXXX XXXX  legal advised that they could not provide online access or check-writing capabilities. They restricted the account to deposits only. I explained the misunderstanding regarding court documents, emphasizing that distributions from the estate require a court order, but liabilities, as per estate law, must be paid from the estate account ( opened with an estate EIN ). This distinction seemed lost on them. 

I facilitated an email communication between XXXX XXXX and my XXXXXXXX XXXX estate attorney, who expressed surprise over this issue, having not encountered such in her 15 years of practice. The attached email correspondence details this interaction. 

Consequently, I traveled to XXXX XXXX and successfully opened an estate account with XXXX, complete with online access and a debit card. Similarly, XXXX XXXXXXXX XXXX opened another account with checking privileges for me. After returning to XXXX, I contacted the Bank of America branch manager via email to close the account and transfer the funds. They responded that a court order is required for this action. 

This situation is particularly frustrating as my XXXX  XXXX attorney 's fees are {$500.00} per hour. Bank of America 's insistence on a court order to close an account, which they initially claimed could be opened in New York from XXXX, is unreasonable. They currently refuse to release the funds to the estate. Attached are the court documents, instructions from my estate attorney, and the Account Rates Review from Bank of America detailing rates in 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 monetary relief
Consumer complaint received 2023-11-22
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, I called a phone number XXXX, I XXXX  on the Internt, thinking it was someone from " XXXX  '', who could assist me in setting up a new NEST camera/floodlight and help with the app installation on my desk top/cell phone. The person requested a debit Card number for identification purposes, assuring me I would not not be charged. I provided my chase ( inactivated ) debit card number and the XXXX digit code. 
In the morning of XX/XX/2023, between XXXX am and XXXX am, he managed to access my computer, pretending to install the app. However, the screen remained XXXX, and I couldn't see anything. This person called multiple times to acquire codes ( From Chase ) and I gave them to him over the phone for the installation of XXXX. Regrettably, I later discovered that he accessed our checking account, wire trasnferring/taking {$18000.00} via the computer and ordering numerious gift cards. 
My wife received an email from Chase regarding a withdrawal and quickly checked her banking account. She saw at least 6 wire transfers pending/going out and approximatly numerous gift card orders. We immediatly visited Chase Bank in person in XXXX around XXXX XXXX  to stop the wire transfers. Although we spoke with a XXXX, they couldn't halt the transactions. The XXXX helped us file claims on XXXX XXXX around XXXX. 
CHASE was able to fully reverse the gift card orders but will not investigate further because we provided codes to the swindler, he tricked me into providing codes for the installation of XXXX, I never authorized anybody to steal my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On Wednesday, XX/XX/XXXX, XXXX XXXX, I contacted Banana Republic Barclays US about a {$2.00} Minimum Charge fee on my Mastercard, charged on XX/XX/XXXX, and listed on my Mastercard Statement, XX/XX/XXXXXXXX XXXX XXXX 

The representative, XXXX at ( XXXX ) XXXX, could not specifically direct me to where or when I was provided a disclosure for this additional fee. The representative could only point me to a page on the website related to APR interest and fee. The fees noted do not include a Minimum Charge fee. Additionally, I have my account opening disclosure documents and searched the Banana Republic Barclays US website regarding fees, and there is no disclosure about an additional Minimum Charge fee when only a minimum payment is made during a statement period.

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 2024-02-01
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Citi Bank doesn't honor my signup bonus rewards. I opened a new business checking account and a new business money market " XXXX '' account on XX/XX/XXXXXXXX  and maintained at least a {$25000.00} combined deposit in both accounts for 60 days. To this day, I still have at least {$25000.00} in the two accounts. So, I have maintained the fund for almost half a year already. I am supposed to get a sign-up promo of {$700.00} by XX/XX/XXXX. I made numerous calls and emails. Today, as of XX/XX/XXXX, they only honored {$500.00}, saying they can't find the original promotion in the system anymore. I have the physical promo flyer in my hand. But the customer service at XXXX said they can't do anything without a promo code. There is no promo code printed on the brochure whatsoever. The banker XXXX XXXX who opened my account doesn't answer my call or my email at all, maybe he already left Citi already. The new banker XXXX XXXX at the XXXX XXXX branch ( XXXX XXXX XXXX, XXXX, CA XXXX ), where I opened my account, said he has no ability to trace back or find any promo code. It's big bank fraud over consumers. I did exactly what the promo said I needed to do and didnt get anything. I spent at least 20 hours contacting at least 10 Citi banks in different branches and called at least 20 times about this, and no one was willing to help. Citi lied entirely to me to use our money for free for so long without even honoring the bonus.

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 monetary relief
Consumer complaint received 2024-01-18
Company: U.S. BANCORP
State: MO
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:
My online account was compromised by someone illegally obtaining my online username and password and between the dates of XX/XX/23 - XX/XX/23, an unknown individual accessed my online account illegally and sent multiple amounts of money from my checking and savings accounts to their XXXX account in multiple denominations totally {$5600.00}. The bank initially gave me a provisional credit and then sent the charge backs to XXXX who denied them for unknown reasons and now US Bank is trying to charge it all back to my account with no justified reason, thus throwing my account into the negative by XXXX XXXX XXXX. I did not authorize any of the transactions, nor did I give my username and password to anyone. All of the XXXX transactions were sent to a XXXX account with only the first name XXXX showing. I have not authorized any transactions to this unknown person.

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 2024-02-01
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a credit card on XXXX XXXX store. The statement and the card got to my after the due date but nevertheless I paid for the products I purchased. However, the company charged me late fees. I told them that it was not my fault receiving the statement after the due date and requested to cancel the credit card and wave the late fees. Company did not cancel credit card and it has been charging late fees and interest that now amount to {$190.00}

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 monetary relief
Consumer complaint received 2024-01-30
Company: American Credit Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went to XXXX in XXXX for a root canal procedure. I had dental insurance. They billed me for my portion and I paid to receive the service. XXXX is putting me on collection for portion that they anticipated to collect from my dental insurance. This debt is not mine. I paid what they billed me to receive the service at the time of service.

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 2024-01-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I continue to be charged variable fees for a program called XXXX XXXX on my Citibank card. I never signed up for this program.

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 2024-01-31
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I am asking this company to provide proof they were not loaning out other peoples money and I am also requesting proof that they provided equal consideration in this contract. I am well aware that this consumer transaction was funded by my signature and my social security number which represents my unlimited source of credit that cant be denied. I am also requesting this company recognizes my right of subrogation in this matter and that they understand my rights to equity as I am the beneficial title holder of XXXX XXXX, which is its own corporation. The car is already paid when I signed the agreement. Recognizing my rights to equity in this matter should lead to a discharge of the debt, they continue to not address this part of my complaint and it is extremely frustrating. I know that federal reserve notes is a negotiable instrument, a promise to pay and 1099a or c is another negotiable instrument that is equivalent to federal reserve notes ( cash ) I ask to speak to someone in legal department who has a better understanding but they continue to send me to XXXX who says she doesnt have any understanding, nor does she work in the legal department. I am requesting to speak with an underwriter and to see the factors of why they can not discharge this debt. Bridgecrest did not provide me with any money in this contract because since XXXX and the federal reserve banking act there has been no money and we can not pay debt but only discharge it. This is my 3rd complaint because they continue to not address the issue. I will take my complaint to XXXX and the FDIC if this venue is not enough to settle these charges. XXXX XXXX is a corporation and I, XXXX XXXX XXXX XXXX, am surety, I need them to recognize my right to Life liberty and the pursuit of happiness as the reason I want my debt discharged. I am going to FDIC, the Federal Deposit Insurance Corporation if this venue can not help settle the charges.

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 2024-01-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt was sold to a collector. USAA does not have the original documentation for this debt. XXXX supervisor XXXX made this statement to me on XX/XX/XXXX at XXXX " that the Creditor _USAA is refusing to update the date this account closed '' I sent XXXX a writtend dispute with documentation certified mail in XX/XX/XXXX showing this account was closed in XX/XX/XXXX and sold and To DATE they are refusing to update this debt as closed in XX/XX/XXXX. If this account no longer belongs to USAA because they sold this debt they have no legal right to report this a current debt that is owing and both USAA and XXXX have the legal obligation to correctly and accurately report the details of this account not use it to hold my credit hostage in hopes they might get something back by reaging this debt! This is ILLEGAL and inform both creditors that I am suing! I disputed this account 7 times beginning on XX/XX/XXXX to present! This is unfair and hostile

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Synchrony XXXX credit card sent a negative balance to collections. I had paid off the card in XXXX of XXXX  and it was left at - {$50.00}. They should have sent me an overage check. Instead they decided to add large amounts of fees and penalties bringing the total due back up to over {$850.00}. Within one week of my paying the entire balance off, it was sent to collections with their added fees. How can they charge over {$800.00} in fees after I paid it off and immediately send it to collections. I can not rent an apartment after leaving my XXXX  husband due to this and a couple other errors. He was in charge of bills and I couldn't open mail. He decided to stop paying. However XXXX of XXXX  and again in XXXX of XXXX  I paid off nearly every single debt. My score was XXXX and it has only risen 20 points. XXXX reports incorrect and/or old information on top of the other issues. This is ridiculous. How can a person have half a year worth for upfront rent yet still be denied due to a XXXX credit score? How are people in XXXX  financial and emotionally coercive situations supposed to be able to successfully leave if the companies governing their ability to live report erroneous activities?

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 2024-01-30
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Delays in the application process

Complaint:
In the beginning of XX/XX/XXXX I started a VA Loan Assumption with Freedom Mortgage. It took them until XX/XX/XXXX to even read the documents I sent them. It then took them until XX/XX/XXXX to get the documents to the Underwriters. I was told it would take the Underwriters XXXX  days to review the documents and request any additional information, XX/XX/XXXX. It took them until XX/XX/XXXX to get back to me with requests for more information. I returned the request for information same day, XX/XX/XXXX. I was told it would be XXXX days until I hear back from the underwriters. It is now XX/XX/XXXX and I still have no word. Also, these requests could have been ; A. Done the first time I did the application and B. If they wouldn't take so long to do their job. 

Also, when I call, XXXX out of XXXX times I can not reach anyone in the Assumptions department. My realtors have been given attitude by a Processor with the name XXXX XXXX. XX/XX/XXXX my realtor called her to ask about why the Underwriters are taking twice as long as we were told they would take. She was rude and did not have any answers to questions regarding missed timelines, calls being screened, and not replying to my inquires about documents I have sent and any questions I have. 

XXXX also told us we were assigned a new Processor, XXXX XXXX, but would not provide any contact information. When we do finally get a hold of the Assumptions department, they don't have any contact information for XXXX. And when we do ask them to contact him, he is always out of the office or " on break ''.

We were told the process would take XXXX days. We are over XXXX  days now. 

This whole process has been unacceptable, severely inconveniencing me the buyer, and a family of XXXX who are selling a XXXX bedroom townhouse and trying to move into a brand new house for themselves. Along with undue mental stress of this assumption process and the way we have all been treated.

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 2023-12-06
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
*This is not a duplicate complaint, new information is being submitted! 

The credit brueaus are not protecting the consumer. These accounts have been removed from my credit, yet keep reoccurring. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Unauthorized Inquiries from the latter companies. 
I've also been discriminated against for being XXXX, resulting in lower then my strong credit should and did reflect.

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 2023-12-11
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
It has come to my notice that, despite successfully disputing and having this account removed from my credit reports with other bureaus, the same fraudulent entry continue to exist on the report maintained by your agency. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I have attached copies of the supporting documents that were previously submitted and accepted by other credit bureaus as evidence of the fraudulent nature of these accounts. The swift action taken by these bureaus in removing the entries further underscores the veracity of my claims. 
It is perplexing and frustrating that your bureau has not taken similar corrective measures, especially when other credit reporting agencies have acknowledged and rectified the issue promptly. The inconsistency in reporting across bureaus is not only confusing but also damaging to my financial reputation.

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 2023-12-15
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XXXX, I put in an application to consolidate my loan. The information said I could continue to make payments during the application process and the consolidated loans would be adjusted. During the application, I made 2 payments - 1 on XX/XX/XXXX for {$1800.00}, and 1 on XX/XX/XXXX for {$13.00}. Because of where the loans were in the process, the payments were not reflected in the consolidated loans and the payments were " applied '' to future payments but are not showing towards my loan balance. I have spoken to customer representatives several times and eventually was informed, they could not process those payments towards my current consolidated loans because they are not the same loans so I requested the money to be refunded. On the call on XX/XX/XXXX, they said they were processing the repayments and it would take up to 60 days to receive the funds. I never received email confirmation but trusted them. I called today to check on the status of the refund and was first told that they were no refund processing in the system and they would resubmit the refund. I asked to speak to a supervisor and was on a hold for over an hour ( after already being on the phone with the first customer service person for 1 hour 30 mins just to explain my situation ), eventually having to leave due to another appointment. I called back later today to have another customer representative tell me that the refund was refused because the loan was paid in full ( i.e. due to the consolidation process ). I am now waiting again to speak to a supervisor and have wasted at least 20 hours in total trying to get this almost {$2000.00} applied to my loans balance or returned to me with conflicting information from each customer representative and no communication of the status outside of me actively calling. I.e. no communication that the repayment was " denied ''. If this money is not returned or applied to my loan balances, this is theft and incredibly stressful.

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