BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This is a copy of the letter I sent to the manager at my local Bank of America branch, after having spent several months trying to get them to pay me the bonus amount as agreed. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, XXXX Bank of America XXXX XXXX XXXX XXXX, CA XXXX Dear Sir ( s ), Ref : Advantage Bonus Savings Account Ending in XXXX I am writing to you with reference to the above account which I opened in person at your XXXX XXXX XXXX branch in XXXX, CA in early XX/XX/XXXX, as despite numerous visits to the branch, phone calls and emails to XXXX XXXX, I am still awaiting my bonus that was due at the end of XX/XX/XXXX. 
During the summer of last year, I received a promotional online notification stating that if I opened an Advantage Savings account and deposited {$20000.00}, I would in turn receive a {$250.00} bonus after 90 days. Initially, I tried to open this myself online but continually received an error. As a result, I went into the above mentioned branch and with the assistance of both Mr. XXXX and the branch manager ( XXXX? ), I opened the account and was assured that the {$250.00} bonus would be in my account after the 90 days. 
On XXXX XX/XX/XXXX, I transferred my {$20000.00} into the BofA Advantage account and there it sat until XXXX when I realized I had not yet seen the bonus. I went into the branch three times to speak to Mr. XXXX, I emailed him at least 6 times with no answer, and called into the branch. One time Mr XXXX did actually return my call and assured me that the money would be in my account after 14 days. That was in XXXX. The money never did show up and since that time I have continued to call to ask when I might receive it. Now the branch is temporarily closed, for how long I have no idea. 
As you can imagine, this is very frustrating. Ive been a loyal client since XXXX and could have earned interest elsewhere with my {$200000.00}, including XXXX XXXX, who at the time were running a similar promotion. Needless to say, I chose BofA as Ive always been happy with the service I have received. I am enclosing documentation of my attempts to rectify this, and would very much appreciate your immediate attention to resolving this matter. 
I look forward to hearing from you very soon. 
Best regards, 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 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
TRANSUNION Some of the information in my credit report is inaccurate or incomplete, or both. Please correct all of the inaccurate and disputed issues below. 

XXXX  - LATE PAYMENT 90 DAYS I have asked you to verify this late payment and send me, via USPS, how you determined that I paid late. I do not have any late payments, but my credit report shows otherwise. Please fix this. I paid this debt. I disputed this debt with the furnisher, but its not reporting as disputed. ] Please correct this information. 

Please send me all proof and any information you receive from your investigation, and tell me what procedure is used to decide the correctness of the information you report, plus the business name, address, and phone number of any people/companies that give you information. Also, please send me a complete copy of my credit report. 

Thank you,

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 2023-03-28
Company: U.S. BANCORP
State: UT
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Purchased a {$300.00} gift card for a family member the week of XX/XX/2023 at a XXXX in Utah. Family member attempted to use the card at XXXX XX/XX/2023, the card was stolen and already used the same day about an hour before the use at XXXX, a fraudster used the card in NY for {$300.00}. The family member and I began the dispute process, which has been a complete nightmare. Faxing the documents they asked for, then having the case closed for no reason. We are now having a bi-weekly calls with this company to get nowhere or have any action taken. They continue to give us another hoop to jump through to send documentation because they did not get the fax or that the docs that were sent are not correct. They have asked my family member to send in PII!! This is a fraud and they should never ask for an ID or birth certificate. We are now sending a XXXX  to have proof that they received it, which they continue to lie that they never received the XXXX. We are now on week four of this nightmare. Today XX/XX/2023 we are told they received my XXXX  but need the XXXX receipt to have proof that we even purchased the gift card, even though it has already been provided. This company does not care of the monetary harm it causes consumers and rather help their fraudsters out get the money from the gift card. Today, we are involving our credit union disputes department to help us with the merchant charge back since we have enough proof we have attempted to resolve this with the merchant. 
Website - XXXX XXXX XXXXXXXX XXXX XXXX - XXXXXXXX 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 2023-12-12
Company: Block, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I sent money to someone on cash app it took the money from my cash app went to send it but put the money on hold and had it pending for 5 days couldnt talk to anyone until Monday morning they said they would cancel the funds and put them back they canceled it but never put the funds back in my account talked to someone again they got very disrespectful told me they didnt see the transaction told me no money was taken when it was cause I have screens shoots of everything

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I had a Citi credit card affiliated with Costco. I opened a credit account to get a promotional 3yr warranty on an XXXX product. When the card arrived it was a duel Costco membership/citi card, I never actually activated the citi card aspect of the card. This was due to previous issues I had with Citi bank. I closed the card over a year ago when Costco used the account without my permission to renew my Costco Membership. Because it is also my Costco membership card I have been using it to get into the warehouse, to get scanned for my membership and to get access the gas pumps.The gas pumps have a new bump feature that I was not familiar with and when I out the membership/citi card next to it, the card was declined as the citi account is not active. I had to insert the card and wait for a prompt to insert a card I could use for payment. A week or two later I went to a Costco store to return approx XXXX dollars worth of products ( The correct amount should be on file with Citi XXXX, the gentleman doing the return did not ask which card I used and just bumped the XXXX XXXX/citi card against a bump pad he had, the return was accepted and applied to the CLOSED account!! The store was not able to retrieve the money and had to call Citi bank, who in turn requested to speak with me. I do not have an account with Citi so I did not understand this request. Then they proceeded to ask me for a password associated with the account .... I told them I do NOT have an account with you ... how can I give you a password? I was told by both parties that a check would be sent in 36-48 hrs. It has been 5 days and I still have yet to receive a check for the stolen funds. Costco, however, has retained the products I was trying to return while reporting to me this happens all the time ... This should not be happening at all ....

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 2018-03-04
Company: CITIBANK, N.A.
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 is missing that should be on the report

Complaint:
I had the Citi card accounts for the past 4+ years. After hurricane Irma I had notified Citi Card regarding my short delayed of payments +obligations because of hurricane Irma and my financial situation has been deteriorating in results of that. When I paid off the balanced in full of all my cards with the Citi, and after that they terminated and eliminated all my credit limit with them. The bottom line, they have been misleading, defaulting me regarding credit and all communications with them.

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 2020-12-01
Company: WELLS FARGO & COMPANY
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XXXX XXXX  is telling me that I have a pending civil lawsuit with Wells Fargo on a past balance due. 
This account never existed. I never received any communication. This account is not on my credit report. 
They keep threatening me with having to go to court. I asked them to show me proof and they refuse.

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 2019-02-13
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I received a letter in XXXX stating I allegedly owe this company money. I have already written a letter early XXXX and they have received it on XX/XX/XXXX at XXXX. I endured a call from this company before the end of XXXX and they have called other relatives last month and this month in XXXX, until now my parent have informed me a lady name XXXX just communicated with her today she's looking for me for a supposedly alleged debt that I have nothing to do about. I have mailed another letter ceasing all contact! If anything mailing is another form of communication I only accept. I don't even know what this company is at all. I don't even know HOW they have my mothers cellphone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: MT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I like a car at XXXX XXXX Im XXXX Montana. They told me I needed a co signer. Found one and they set us up with first interstate bank. That was XX/XX/ 2018. My co signer who is now the main borrower stole the car. I found out my signature is forged on the banks contracts. All of them. And they confirmed it. Now Im out XXXX $ and no car? XXXX XXXX manager told me hes having dinner tonight with the president of first interstate bank and that I need to watch my back .... XXXX with first interstate bank says its XXXX. I know I didnt sign any documents that first interstate bank has. I was a check for XXXX at first interstate bank and they can take their forged documents and do what ever. Bank took my money says clearly on the contract voided is voided which my signature is voided due to forgery! XXXX is my number. XXXX first interstate bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Carvana Group, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
According to COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023 PRODUCT Vehicle loan or lease. 

Regarding the company 's response, they failed to address any of my concerns or complaints. They only provided updates when a payment was made or when a contract was signed, but completely ignored my recent contract amendments that were sent to them. These amendments were in violation of FINRA laws, UCC laws, and the Fair Credit Reporting Act. This lack of response is completely unacceptable, which raises a red flag about the way the company conducts its business. By disregarding my concerns and failing to address the violations of important laws, they have shown a concerning disregard for their obligations and responsibilities. This behavior calls into question the company 's professionalism and integrity. It is imperative that they rectify this situation promptly and demonstrate a genuine commitment to addressing my concerns in a thorough and satisfactory manner release all payments and deposit made on the account including removal of incorrect reporting on credit report and release all securities owed back to me as the investor of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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, US Bankruptcy Court Reference # XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-12-04
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
LoanCare , LLC wad taking over by ransomware. They have not contacted anyone except one email that stated that their website is back up and running. It was not back up and running. You can't get them on the phone at all. People have been trying for weeks. At one point they said they're not taking payments through the mail. And we can't get anyone on the phone. 

I should have money in my escrow account to pay for XXXX but they didn't pay it with the money in my escrow account and I don't want to make a payment anyway because they won't let anyone get in contact with them.

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 2023-03-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my second 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 alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions 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 status incorrect

Complaint:
I had a number of fraudulent hard inquiries on my credit report within the last 2 years. They are likely the result of identity theft. 

They inquiries were from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There may be more but this is all I can recall.

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 2020-02-24
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX/XXXX  # XXXX is reporting an account to my credit that should not be on there. I have paid this account off and it is still reporting a balance to my credit. This is a violation and I need it removed off 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 explanation
Consumer complaint received 2020-12-01
Company: KEYCORP
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I currently have a primary 30 year fixed mortgage and a second lien HELOC. I originally opened the HELOC in XXXX and in XXXX decided to raise the limit. Apparently the original HELOC was not closed out properly and is still showing as a lien on my property ( for 3 total instead of 2 ). I found this out because I am attempting to refinance my primary loan and have been stuck trying to clear the title of the 3rd lien. 

The current 30 year loan is with XXXX and the HELOCs ( both ) are with KeyBank. I am trying to refinance with KeyBank to have everything under one roof. My initial application was on XX/XX/XXXX and my appraisal was done in XXXX. The original closing date was XX/XX/XXXX and has now been pushed back AGAIN for a 5th time into XX/XX/XXXX. What should have been a 2 to 3 month process is now pushing into 8 months! On top of this, my HELOC has been frozen for 3 months now which has prevented me from accessing my funds while charging my monthly fees and surcharges. 

KeyBank is telling me the county ( XXXX County NY ) is not responding to their requests so I contacted the county clerk directly myself. I was told they are roughly a week behind on paperwork and did NOT have anything from KeyBank pending for my property. The only answers I am getting from KeyBank is they are working on it.

The worst part is I couldn't even attempt to refinance with another bank at this point because the issue is the existing HELOC, Regardless, this process needs to go through KeyBank to close out the original HELOC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Account with overdraft issues

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