BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Hello, I am sending you to complain about the lack of response and cooperation from Bank of America ( BoA ) I reported a fraudulent transaction on XX/XX/2020 for my account ending XXXX. 
Total fraudulent activities on my account : {$3100.00} Claim Number : XXXX I contacted BoA back in XX/XX/XXXX, and started a claim. I received a letter in early XXXX saying that the claim has been closed, because " the account or the claim have been the subject of fraud or suspicious activity ''. The same letter says that " any related reimbursement of fees, has been or will be debited from your account and reflected in your available balance, if any. '' Until this date my issue is not resolved, I tried to follow-up via phone at XXXX XXXX XXXX calling multiple times and waiting on line for more than two hours each time with no answer.

Finally, 2 weeks ago and after waiting for almost 3 hours on hold, I was able to get connected to an agent, but unfortunately she wasn't much of help.The agent 's only solution was that she will send the bank an email and they should send me a letter. Nothing is received as of today. 

We visited, couples of days ago, BoA branch XXXX CA XXXX ) and unfortunately, same response. There is nothing they can do! 

We sent this week our complaint to BoA customer service, and as expected nothing is received! 
We have been going in loops without any progress, and the issues is causing us too much drama and anxiety. The claim amount is the unemployment money, and the lack of response is causing avoidable harm, if they just can do what they promised they would! 

I request that BOA reimburse the credit of {$3100.00} the soonest to my account, since the claim has been closed, and we have been waiting for the resolution for almost 45 days

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 2021-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent out dispute letters regarding Bankruptcy to TransUnion on XX/XX/2021 which was well over 30 days ago. My complaint was to have Bankruptcy removed from my TransUnion report. I wrote a letter to courts regarding reporting to CRA and they wrote me back stating they do not report. I only disputed with XXXX and sent proof to CRA. I sent ALL proof. XXXX was unable to verify the Bankruptcy so it was REMOVED.

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 2021-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital One N.A.closed my account in XXXX without properly disclosing why. The company discriminated against me by closing out an account I've used for years. I've called several times inquiring why it was closed and they are still asking for payment monthly without access to using the credit card. I have not been able to use my credit card since XX/XX/2021. 12 CFR 1002 talks about discrimination and discouragement. I do not agree with what the company has done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Best Service Company is reporting a collection for a jewelry account that I do not owe. 
My wife made a jewelry purchase, but returned it the next day. 
I wrote The Best Service Company to inform them of this fact but they have ignored my communication. 
The Best Service Company has placed this fraudulent collection on my credit report at all XXXX credit bureaus.

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 2020-11-10
Company: EQUIFAX, INC.
State: FL
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:
XXXX, SOC SEC  # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX  XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DP OF  EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX  XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Below is a summary of a sequence of events involving Citicard and their failure to deliver my account funds to me. 

-Closed Citicards account -Refund was made to closed Citicard account by a retailer. 
-Positive balance appears in closed Citicard account. 
-Requested payment from Citicard via check. No check arrives in mail. This is odd because I have previously received mail from Citicard and do not have any known issues with mail delivery. 
-Requested payment for second time from Citicards , same failure to deliver check via mail occurs. 
-Requested idle check balance be reapplied to my account, this occurs after some time. 
-Requested wire transfer to my bank account. Payment not transferred in projected time frame. 

After numerous conversations with Citicard representatives, we are all in agreement that the Citcard has my funds and thus an obligation to deliver them to me. They have simply failed to actually deliver these funds three separate times. This is an alarming pattern, especially given the feedback I have recently received from personal friends in addition to Citicard 's abysmal reviews on the web. 

Where do regulators draw a line between fraud and poor service? If my experience is also that of others, this bank should not be allowed to operate in the United States.

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 2021-04-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Fraudulent accounts were opened using my identity. Delete these fraudulent accounts from earning warning services, Chex system, XXXX, telechek. My social is XXXX date of birth XX/XX/1993

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 2021-11-07
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a Visa Signature Cash Rewards credit card with Navy Federal Credit Union Account Number ending XXXX. This account was closed by the bank due to none payment. This financial institution has committed fraud and needs to be held accountable. While the account was open and after the bank closed the account, on several occasions NFCU, without actual authority from me or any other authorized consumer with access to this account, initiated transfers that were done by a person other than the consumers authorized on the account.These unauthorized initiated transfers happened from XXXX through XXXX from my checking account XXXX into the account ending XXXX. The actual dates and amounts are as follows : XX/XX/XXXX {$200.00} ; XX/XX/XXXX {$150.00} ; XX/XX/XXXX {$11.00} ; XX/XX/XXXX {$37.00} ; XX/XX/XXXX {$54.00} ; XX/XX/XXXX {$55.00} ; XX/XX/XXXX {$40.00} ; XX/XX/XXXX {$14.00} ; XX/XX/XXXX {$130.00} ; XX/XX/XXXX {$10.00} ; XX/XX/XXXX {$40.00} ; XX/XX/XXXX {$130.00} ; XX/XX/XXXX {$110.00} ; XX/XX/XXXX {$40.00} ; XX/XX/XXXX {$130.00} ; XX/XX/XXXX {$24.00} ; XX/XX/XXXX {$60.00} ; XX/XX/XXXX {$960.00}. The total amount that was fraudulently taken from my checking account by an unauthorized electronic fund transfer is {$2200.00}. 
According to Electronic Funds Transfers ( Regulation E ) ; 12 CFR 1005.2 ( m ) Unauthorized electronic fund transfer Navy Federal Credit Union committed an unlawful act. According to 12 CFR 1026.12 Special credit card provisions. ( d ) Offsets by card issuer prohibited ( 1 ) General rule. A card issuer may not take any action, wither before or after termination of credit card privileges, to offset a cardholders indebtedness arising from a consumer credit transaction under the relevant credit card plan against funds of the cardholder held on deposit with the card issuer. 
They continue to cause my phone to ring harrasing, anoying and abusing anyone who happens to pick up my phone. This is a violation of Telephone Consumer Protections Act, 47 U.S. Code 227 and I want it to stop immediately. 
I do not agree with what has happened to me and I need someone to help me. This has caused me stress, sleepless nights especially after losing my job due to COVID and not being able to find another job. If banks can committ fraud and nothing is done about it, I do not feel safe as a consumer using banks and allowing them to have access to my personal information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-07
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2021 Citi Bank denied my request for credit limit increase on my credit card. 
12 CFR 1002.4 ( a ) " Discrimination. A creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction. '' Citi bank has discrimined against me. They are in violation of federal law

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 2018-06-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
, XXXX XXXX give authorization to helpwithmybank to disputed on my behalf with XXXX XXXX   for unauthorised wire transfer on my bank account, wire transfer department tried to convinced me that I made this transaction unfortunately I denied that.After all my investigation I suspect XXXX XXXX XXXX maybe involved in that incident, his phone number is XXXX XXXX XXXX email XXXX so I demand all my refund of 1 transaction online has to returned to my account ending XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: AES/PHEAA
State: CO
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:
All students loans accounts were consolidated as one, and still to this date is showing multiple accounts ( 16 accounts ) as open delinquent with no balance on them. I reached out ( called ) XXXX to confirm why those accounts would still showed all like that and they told me to send mail evidence. Last month ( XXXX ) I send a letter to Fed Loan directly to inform the discrepancies and they just send a letter confirming there were no pending balance, but have not done anything else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I had several accounts with XXXX and there is one account number XXXX that the three bureaus continuously report a balance and that is not correct. It has been disputed several times and I even went into my accounts with XXXX and printed out proof that it should not be reporting a balance. I have included the print out with this compliant.

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 2019-01-15
Company: EQUIFAX, INC.
State: SC
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:
So Equifax XXXX and XXXX is still reporting items wrong on my credit report? As you can see my reports has errors by law I'm required to get this fixed but it's not. I would like my credit report fixed as soon as possible so I want have to keep disputing items. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been working on issues with Freedom Mortgage snice 2019, when the co-borrow on the account filed for bankruptcy chapter XXXX on XXXX XXXX. 

I was told that I would not be affected by any of this but I no longer receive any type of correspondence form the mortgage company and the mortgage company will no longer speak to me. 

My current statement for XXXX states total amount due is {$4400.00} with a partial unapplied amount of {$1000.00} and XXXX 's statement states partial unapplied funds in the amount of {$2400.00} total amount due {$4400.00}. 

I have attached XXXX 's statements on the trans action activity shows XXXX funds XXXX XXXX still shows unapplied funds {$200.00}, {$2200.00} & {$1400.00} I have been told time and time again to " wait and to give it time to catch up ''. 

I can provide you with copies of any statements if needed. 

I am unable to speak with anyone at the mortgage company due to the co-borrower Bankruptcy being filed. 

Her attorney has been following up on this issue for months now and nothing has been resolved. 

I keep getting further and further behind, they keep saying I am behind when I know I should be ahead. 

I just want my statement to reflect that I am now current and no longer behind. I do Not want any funds in the reserve.

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 2019-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
So XX/XX/XXXXTransUnion and XX/XX/XXXX is still reporting items wrong on my credit report? As you can see my reports has errors by law I'm required to get this fixed but it's not. I would like my credit report fixed as soon as possible so I want have to keep disputing items. Thanks

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 2019-01-15
Company: EQUIFAX, INC.
State: MO
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:
I had several accounts with XXXX and there is one account number XXXX that the three bureaus continuously report a balance and that is not correct. It has been disputed several times and I even went into my accounts with XXXX and printed out proof that it should not be reporting a balance. I have included the print out with this compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: EQUIFAX, INC.
State: DC
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:
Fraud department for each bureau has been called several times in regards to someone breaching my SSN. Each bureau assured me that they would remove the inquiry for XXXX XXXX off of my credit report. This inquiry is still reporting and has shaved points off of my score for the hard inquiry. I even put a freeze on my XXXX account back in XXXX and the agent never actually successfully froze my account. This inquiry is not attached to an account. I spoke with XXXX XXXX as well for removal and was informed it would be removed almost a month ago. 

I DID NOT RECENTLY OPEN AN ACCOUNT WITH XXXX XXXX. THIS ACCOUNT INQUIRY DOES NOT BELONG TO ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: AMERICAN HONDA FINANCE CORP
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Due to a health condition I fell behind in my payments. I informed XXXX financial of this prior to missing XX/XX/2019 's payment. As of XX/XX/2019 my account was 60 days late, I made a payment in XX/XX/2019 to satisfy both months. Again, communicating with Honda Financial in XXXX my account was 60 days I made a payment to satisfy the account and two weeks later my payment was returned. I contacted Honda Financial again via phone and was informed my acct had been charged off. I had received no notice prior and my account was no more than 60 days late in addition to my several phone calls with reps informing them of my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
They refuse to grant me access to my own credit file. They think they own me. I have no issues with XXXX  or XXXX XXXX, just Equifax. They have been blocking my access to my own credit file for over two years now. This is scandalous. My account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was not notified of investigation results about items reporting on my credit report, this is my second written request about this information reporting. I am concerned about the validity of those items, I am asking for them to be investigated and removed. The Bureaus have not addressed my concern properly.

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 2018-05-07
Company: SUNTRUST BANKS, INC.
State: CA
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:
When l checked my XXXX credit report today, l realized that ; SUNTRUST - XXXX company reported a hard inquiry on XX/XX/2018 which l have no idea about.

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 2020-07-30
Company: Carvana Group, LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On or around XX/XX/2020 I applied with XXXX to value my XXXX  for trade. I was steered toward Carvana, who was happy to accept my trade in, but neglected to process my purchase vehicle application. I applied for trade/buy. However, after I made arrangements to sell my vehicle, they decided to then qualify my for a used car purchase loan. The terms included {$6000.00} down for a {$13000.00} vehicle and an A.P.R. of 24 %. I seems that I was a victim of unfair business practices. It seems they engage in these tactics to keep certain applicants from qualifying for a vehicle. In addition to the {$1400.00} to payoff my truck loan, they now want {$6000.00} down to purchase a car.

Company response to consumer: Closed with explanation