BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XXXX XXXX Account # XXXX XXXX XXXX-ending in XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX 
XXXX, Tx. XXXX XX/XX/XXXX Bank In Question : Bank Of America XXXX for BOA : XXXX XXXX XXXX XXXX. 
XXXX, NC XXXX Dear CFPB I am writing this complaint letter to report BofA of fraud and deception. On XX/XX/XXXX I scheduled a visit to XXXX XXXX in XXXX, Tx. Later, that evening I noticed there were ( 2 ) made up charges ( MOC charges ) on my BofA account. One from XXXX XXXX XXXX and one from XXXXXXXX XXXX- XXXX XXXX. The 2 separate charges were {$290.00} apiece. This transaction totaled to {$580.00}. 
XXXX XXXX has a policy that does not allow them to charge anything until check-in. And they have a cancellation policy, that gives the consumer XXXX hours before check-in to cancel. These MOC charges happen the day of scheduling and have no bearings with the cancellation policy. 
The next day the MOC charges were no longer on my account information. But sadly, the money was not accounted for. The {$580.00} was still not accounted for in my account. On XX/XX/XXXX I had a live chat with BofA @ approximately XXXX XXXX with a representative name XXXX. This was held over the BofA app. The representative just explained that she couldnt see the charges anymore. Later the same day I called BofA to explain the situation. I talked to a rep over the phone, and she explained she couldnt see the charges but was willing to help me with the overdraft fees that this situation caused. So, in short if I wouldnt have said anything I would have been out {$580.00} and {$40.00} of overdraft fees. The {$580.00} has not been replaced or explained. BofA has performed a highly intelligent way to steal money from me as a consumer. And sadly, to say this is still going on this day. The accounting issues and money not accounted for very well seem to range from XXXX  XXXX {$300.00} at each event. As of today XX/XX/XXXX, I feel and know that they are being dishonest, fraudulent, and deceptive with my account. Personally, I am trying to take snap shots of my account as much as possible.

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 2019-05-25
Company: Netspend Corporation
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I received a credit on my netspend account from a store I was in. I did a return although the original purchase was half cash Nd half my debit card, the store had no cash so they processed the full amount to my Netspend card. I been threw away the receipt because I didnt need it and Ive contacted the store asking if I could receive another copy but I was told they dont keep copies and cant look up any copies. Ive told my bank that but theyre still not releasing my money.

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 2023-02-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from 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
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: FL
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-21
Company: Experian Information Solutions Inc.
State: TX
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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-01-08
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : 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 2023-06-05
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have divorced my ex-wife and I went through the assumption process with Freedom Mortgage Corporation ( Existing Lender ) after getting all cleared/submitted and completed when I accessed my loan in the XXXX APP from Freedom Mortgage there was a duplicate loan showing in the screen with the exact information, however the Loan Term shown XXXX yrs ( did not match my Closing Disclosure at XXXX XXXX mo due to the assumption ) nor the monthly payment described in the XXXX $ XXXX XXXX. After several calls and time spend of reporting these issues, I was told to create a new account however when I tried there was a XXXX message telling me that the information was incorrect then I had to call XXXX  several times after this and today I have been notified that my access was cut/deleted that I won't have access to my loan using the website due to concerns of me having to access information from my ex-wife ( Which by the way the only info in the website was her name and nothing else ). I believe XXXX is not taking care of me as a customer as well as limiting me the ability to manage my account as any other of their customers, needless to say but I have never missed a payment. 

I believe they need to correct this issues as soon as possible and make sure I have the same level of access of another of their customers including the ability for me to manage my account at my own will.

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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
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. 
Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the Right to privacy 15 USC 1681 604 A. Section 2 : states a consumer reporting agency can not furnish a Account without my written instructions 15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing the following : Adverse item information other than records of conviction of crime that antidotes the report by more than seven years.

15 USC 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 non-monetary relief
Consumer complaint received 2018-02-21
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This company, EOS CCA, has been calling my XXXX adult daughters and myself, all times of day and night, even before XXXX XXXX., harassing me about a bill that was 'charged off '' in XXXX. The amount was {$3600.00} at the time. It is for a financial aid overpayment in which the account should have been placed with my consolidated account with XXXX. EOS CCA is trying to collect {$6600.00} from me now. I made a couple payments on this account, but I was still in graduate school and was not working for a salary, which means I was interning. The State of California took my state refund that year toward this debt. When I began working, I contacted XXXX XXXX XXXX to begin making payments but was informed this account was charged off. I have been paying on my other student loans, through XXXX, for the past 2 1/2 years with no missed payments. I began getting calls from this collection agency about 2 months ago. They use threatening tactics, but they are calling my children and telling them my business about this matter. I want this stopped immediately and I want them to stop calling to threaten me about an account that has been closed and I no longer owe any money on. This is fraudulent collection practices, harassment, and elder abuse. I am not working because I am preparing for XXXX-XXXX XXXX and haven't worked since XX/XX/XXXX. I probably will return to work XX/XX/XXXX, but I fear they may try to attach my wages. I need to file my taxes but am afraid they will attempt to take my refunds for a debt that has been resolved. Although I receive XXXX, I am afraid they may try to attach this as well. I need your help with this matter immediately, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed the following accounts from my credit report with Experian, XXXX, and XXXX, which is in the police report that is attached to this complaint, but they have re-inserted back on my credit report without notifying me within the 5 days reinsertion rule, which the credit bureau violated the fair credit reporting act and is in violation. Also, this is a fraudulent account and I have a police report to block this information. My next thing is filing a lawsuit and retaining and filing a complaint with the Attorney General and the Consumer Protection Bureau. Please correct this immediately. A police report is attached to this complaint with the fraudulent items listed.

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 2019-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX  and Transunion are reporting incorrectly that I am 30 days past due on the XXXX - partial account number XXXX ( page 14 and page 16 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. 

Transunion is reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account number XXXX ( page 16 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. 

XXXX  ; XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX  - partial account XXXX ( page 20  of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. 

It is impossible to be late on accounts that have a {$0.00} balance and {$0.00} past due. I have contacted the three bureaus to fix these issues on my credit report. This incorrect reporting is harming my credit score.

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 2023-07-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Majority of the information on my XXXX, XXXX, and experience credit report is fraudulent because it's incorrect information and amounts. And also the credit unions are a fourth party creditor. I did not give the third party an Express consent in order for them to put anything on my credit. The contract is between me and one other party and it is against the law for them to send my information to a third party without XXXX consent. So not only am I trying to get them took off for fraudulent information but to be opt out of their system that I did not give them permission to opt me in due to security breaches that they had within their company that allowed a fifth party to get a hold to my personal information. I believe that this fourth party company that obtained my information illegally is a wrist for my personal information.

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 2023-04-24
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Chase charged me a {$95.00} annual fee for a credit card that I have not used for 9 months. I called to ask to have the fee reversed and close the account. The representative ( XXXX with an XXXX accent ) stated repeatedly that the fee could not be reversed even if I closed the account. The fee had only been on my account for 20 days, so I was surprised that they could not reverse the fee. Right before hanging up in disappointment for paying a worthless fee, as a last resort, I asked to speak to a manager. While waiting for the manager, I searched the internet and found that it is in fact Chase policy to refund these annual fees within 30 or 40 days of posting date. When the manager came on the line, she confirmed that policy and closed my account. 

** My complaint is that Chase Policy is being completely misrepresented by their agents. ** This is infuriating. It's bad enough that I have to waste time on this XXXX. A bank 's agents CAN NOT misrepresent their policy in favor of the bank. This agent did it REPEATEDLY. That is straight up fraudulent. They are probably rewarded for this XXXX or instructed to do this XXXX in some XXXX call center. Customer Service first tier is clearly intended to deflect and frustrate customer to give up. THIS CAN NOT BE ALLOWED TO CONTINUE. Especially for a BANK!!! Y'all should fine them or force them to send out proactive notifications of Annual fees and force them to have a one-click button on their website to refund the fee and close the account. That would torpedo this scammy behavior of charging fees for cards that are not used. Or maybe require that annual fees are automatically waived if a card is not used for the preceding 4 months. These are great ways to make them fix this XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: Receivable Recovery Services, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Receivable recovery placed a account in my name that is not mine. I did not have this account and this account is not mine. I have never opened an account with XXXX XXXX. I never heard of a XXXX XXXX. This account was placed in my name fraudulently. It is listed a medical debt which is against the HIPAA laws to place on my credit profile and it needs to removed because it is a violation of HIPAA laws plus it isn't my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Winklevoss Exchange LLC
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Bitcoin has been in crypto account since XXXX. Attempted to withdraw on XXXX  and got an error saying account was restricted. Gemini requested a verification photo which was provided and I have not received a response in 3 days. Reached out via XXXX and also did not receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
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: Credit inquiries on your report that you don't recognize

Complaint:
I reviewed my credit report and realized I have 4 unauthorized credit inquiries. XXXX  has been reporting address where I have never lived or been affiliated with before. Notified credit bureau immediately and was asked to reached out to creditors for verification. I sent a letter as well as identifying information to Transunion and XXXX  and nothing has been done to resolve the issue. It has been more than 30 days and no one is helping in resolving this matter as I am aware they are not to report inaccurate information on me.

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 2019-08-26
Company: Experian Information Solutions Inc.
State: OH
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:
I got a letter in the mail from XXXX XXXX they claim that they never received my credit identity theft packet that I sent in XX/XX/2019. It was sent via certified mail from the XXXX, va usps and it was notarized by XXXX XXXX in XXXX, VA. The address is XXXX XXXX XXXX XXXX, XXXX, VA XXXX and you may reach them at ( XXXX ) XXXX. I am very confused on how they didn't receive it. It cost money and time to send certifed mail and this have been going on for too long.

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