BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: NY
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX CARD XXXX XXXX CARD XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: 21ST MORTGAGE CORP.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
21st mortgage has received a promissory note for payment. Company has also received a XXXX and a coupon paying of this loan. The company has refused to follow the laws pertaining to discharge under the indentured trustee act. This loan has been paid and refuses to update the account and keeps saying the payment isnt valid. 21st mortgage has violated 1693-1, ucc 3-603,18 usc 8, 12 usc 411, ucc 3-104 and 31 usc 3123. The company has engaged in fraud and has already been paid a minimum of twice for this loan. Company was paid immediately following the approved application of the loan through my ssn account and cqv account. Company refuses to acknowledge correspondence as valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 have received a letter from Bank of America ( BoA ) on XX/XX/2021 stating that they are closing my credit card account due to Unusual Authorize Users. 

- I did receive a miss call from BoA on XX/XX/2021 but there was no voice message left behind in which I can not call back. I was not sure the intention of this call, but I dont think it was to prevent BofA from closing this account, if so they would of try to call me or reach me another time. 

- I called the Risk Department on XX/XX/2021 after receiving the letter for clarification. They said that this account is close, and it will remain close. The representative ( XXXX ) and later I spoke with the supervisor ( XXXX ), both firmly said its closed due to unusual activity. XXXX stated, A lesson learned, you can open another account but this one remains close even I told them I have no warning from BofA by adding Authorize User into my account is inappropriate which leads to closing an account. 

- I have mentioned to XXXX and XXXX that I have asked the BofA representative multiple times in the past that " is it safe for me to add Authorize User? '' The representative said that it is safe if ONE UA is being added at a time in which I followed strictly ( those conversations were recorded by BoA ). I will not be doing so if I know BofA will close my card. I have over 13 years with BoA under this account and with {$85000.00} credit line on top of Preferred Reward Member, I do not want to lose that. And mainly I do not want my credit score to drop significantly because of utilization and years of credit experience. 

- There is nowhere in terms and conditions stating the limit in AU per month or year, there is no indication what is right and wrong with adding UA, there is no restriction stating adding one AU and removing other is inappropriate, there is no warning from BofA at least saying this is not right and will close this card if persist, etc. Per XXXX, there is a group of people to discuss if its usual vs unusual activities in which I think its very subjective, for me its usual but for them it is not in which I can not know. 

- After shutting down my account, I had to find out that my card was closed from another company in which I set autopayment on under this card, I almost had to deal with late payment because BoA did not notify me that my card is not active. 

- In addition from not communicating to me before closing my account, BoA did not refund my reward cash bonus in my credit card account. They said the account is close and they are not able to return the reward I have earned.

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 2021-04-28
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a coupon and a Credit in XXXX and I have been trying to use it, but it is not available in my account on XXXX. I decided to call several times and waited a few times for an hour or more. I finally could get a call back from XXXX and the Representative said that they would give me a Refund, but 3 minutes later he refused to apply for the credit of {$370.00} USD. to my existing fly or book a new flight. I asked for a manager and he refused to transfer me, instead he hung up and never called back. XXXX is keeping my {$370.00} USD and has not paid me back or let me use the credit for a flight. I bought two flights with XXXX in which I could have used my credit, but they refused to make my credit and points to recently book two flights. I need the {$370.00} USD money to my credit card. As we all know if the credit expires, they are able to keep the clients money. I have a total of XXXX Qualifying Nights earned on your card : 6 night ( s ). It has been a few years since I tried to claim the XXXX nights and they did not grant it. 


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 explanation
Consumer complaint received 2020-02-05
Company: Choice Recovery, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I never owed anything to these people. Show my signature in blue ink because these accounts are showing closed and open on my credit report. Itemized screen shots isnt my signature nor my bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: JPMORGAN CHASE & CO.
State: OH
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:
I have n't received a credit card statement in the mail in months until today, the statement had a charge of {$1.00} due to interest charge, after inquiring I found that last month there was a {$69.00} charge due to annual membership. I always pay all my accounts on time and in full every month. When I called and asked to close the account and a refund for the annual fee, the person told me that since the charge was 30 days old, it ca n't be refunded. I explained that I did n't receive the corresponding statement last month and he said that in that case it was a bank error and that it could be refunded, but since there was not a returned mail he could not do anything. Again, I have not received a statement in months until yesterday, if I had I would have called earlier to close the account since I do n't use the card. 
I requested to close the account and a refund for the annual fee and any interest charged. They closed the account but refuse to reimburse the annual fee. 
Also, independent of the error of not sending me a statement, this fee is for membership for the coming year. It is an abuse from the credit card company not to issue a refund ( even partial ) when a customer closes the account, especially at the beginning of the period.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-30
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/ I made two mobile deposits into my checking account with key bank in the amount of {$390.00}. The money orders cleared then key bank put a hold on my account saying they thinking the money orders wouldn't clear. After speeaking to customer service they instructed me to go into the bank to clear the matter. Today I went I to the bank XX/XX/ and they are telling me the back office is still doing and investigation. This is beyond unacceptable I want my funds and I want to be compensated for the inconvenience it should not take 15+ days to figure out this out. This has caused me hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2021, my sister and I went to dinner and split the bill. She asked if I paid for it could she cashapp me the {$150.00}. I said yes forgetting how long it had been since she cashapped me so I went to the account I havent had access to since XXXX because I got a new phone. Once I realized it she and I both immediately contacted cashapp to try and cancel the funds. For several days I was asked for verifying information that I submitted just for them to determine that the account couldnt be reinstated for security reasons and it was no way to return the funds to the sender. They keep stating it is for security reasons but also so told my sister the funds cant be canceled because it was completed. I kept asking why cant the funds be returned if theyve deemed the account inaccessible. They are stating they cant provide any details the funds wont be approved to be returned back to the sender.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Credit Acceptance Corporation repossed my car and l paid the car off all l owe was the Finance Charge after looking at the paper work, credit acceptance repossed my car XX/XX/XXXX and never mail me any paper work so l believe l was done with the car, now XX/XX/XXXX the court is garnishing my paycheck and l can not afford a lawyer to  sue credit acceptance, l believe the lender broke the law, can you help 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 2019-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On or about XX/XX/2019 my monthly payment was dropped of at a Bank of America location in XXXX, TX. On XX/XX/2019 the check cleared my bank - it was cashed by Bank of America successfully. My payment slip accompanied the check and my Bank of America account number was written on the check. 

However, Bank of America did not apply the payment to my account. Further they charged me a late fee. Within one weeks time they then reduced my credit limit by ~ {$20000.00}. AND THEY HAVE MY MONEY. 

I have provided my checking account and routing number to BoA so they can prove to themselves that they have my money ( on time ). However, I have heard nothing from them for a few weeks now and received no further correspondence. Are they really working to prove they have my money? 

In the meantime they want a late fee and a double payment. Bank of America sucks.

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 2018-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I submitted an investigation request to the credit bureaus back on XX/XX/XXXX. Over thirty days have past, and I have not received the results yet.

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 2023-02-02
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2022-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is a complaint regarding Claim ID : XXXX I purchased what appeared to be tampered gift cards from a XXXX store. I tried resolving the issue with XXXX which is notorious for not having enough security to prevent gift card tampering. After iniitially taking my case, XXXX offered no resolution. At the same store I had in the past also received tampered XXXX XXXX XXXX, in that case XXXX recovered the cards and despite telling XXXX about the lapse, they did nothing to protect their inventory. By siding with the retailer here, BofA is saying there is no protection for buying tampered or fraudulent goods. 

In the final denial, Bank of America has given me 2 reasons for denial of the claim : 1. BofA claims I did not try to resolve the issue with the retailer, this is incorrect, I had attached my communication with XXXX on the claim as well as in the response to additional info. 

2. BofA claims that I had an opportunity to inspect the item hence the claim was ineligible. This is the most troubling reason. As per this clause, consumers have no purchase protection as soon as they step outside the store. This is obviously illegal and BofA knows this. I am willing to bet almost every claim resolved in favor of consumers due to faulty merchandise is a result of the claim being filed once the consumer has left the premises. 

An analogy would be you purchase cooking oil but when you reach home, the oil bottle only has shampoo in it and BofA will claim that since you didnt inspect it at the store, the merchant has no liability.

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 2019-06-04
Company: Waypoint Resource Group, LLC
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 XXXX  damage my credit. They claim to give me service on a address that I never live before, XXXX XXXX XXXX XXXX FL XXXX. When I call them to, inf. They have the wrong person they ask me my address, I give them, my address and know they are sending me letters with a balance {$380.00} and opend a bad report in XXXX   credit report. 

Collections are accounts that are seriously overdue and may have been turned over to a collection agency. 

Account Name WAYPOINT RESOURCE GROUXXXX XXXX Creditor XXXX XXXX Open Date XX/XX/2018 Balance {$380.00} Debt {$380.00} Contact Information XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX = XXXX XXXX XXXX I received a letter in XX/XX/XXXX that the debt collector XXXX XXXX XXXX, that has bought a debt from Fifth Third Bank, closed my debt account after they did not adhere to the FCRA debt validation process. {$290.00} was taken out of bank account by Fifth Third Bank without any written notification or phone calls. I previously verified the debt was owned by XXXX XXXX XXXX by mail. I did not receive any documentation by Fifth Third about the debt. 

My local Fifth Third branch banker sent me to someone else who I spoke to at XXXX today at the XXXX XXXX location in XXXX, OH. She said that I was scammed and didnt know what I was talking about. She refused to talk to the collections department she called about my concerns specifically reviewing the paperwork I brought from XXXX verifying the account was closed. She would not look at it and advised me to just pay the money today. She gave me a non-working number for the collections department. She also said there was no one I could dispute the debt with. I attempted to called her office number and it was as for someone else. Im attaching all the paperwork. 

I need the money back because I have already settled the debt with XXXX. Based on the FCRA laws and how I only received documentation about this debt. Fifth Third Bank sold the debt to XXXX without notifying me. When XXXX notified me of my account with their debt collection being closed, I was informed in writing that they were no longer pursuing the debt. Documentation is attached. 

Fifth Third Bank would have had to repurchase the debt. Fifth Thirds banker merely stated that the debt was charged of to collections in XX/XX/XXXX. She did not provide any paperwork. I received the documentation from XXXX in XX/XX/XXXX. I need for Fifth Third Bank to explain when the debt for {$450.00} to their bank was repurchased by their bank. XXXX needs to provide the original validated documentation. I have done my part and yet Im still be held responsible for a debt I am not obligated to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I started a Savings and Checking account with Chase in XX/XX/2016. When I started the account I was never told there will be a monthly fee for the savings account. I primarily managed the checking account on a regular basis and didn't really manage or monitor the savings account as I didn't really have a need for it. I recently found out the bank was deducting $ XXXX/month from my savings account as 'Fees ' which I wasn't aware of. I complained to the bank that the fee was never disclosed to me and the branch manager credited {$60.00} to my account and stopped taking the monthly fee from my account. He said he could reimburse only up to 3 months of service fee and if I needed more I would have to escalate. I escalated the issue as they suggested and after a lot of discussions going back and forth they reimbursed another {$60.00}. They had deducted a fee of $ XXXX/month for 15 months ( {$300.00} ) and they reimbursed me {$120.00} when I complained. I believe Chase should reimburse the entire amount they charged me as the fee was never disclosed to me when I opened the account. I am hoping the agency will investigate this and hold Chase accountable for over charging their customers without their permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and it adversely affects both my credit report and my background check information. I have an identity theft pin with the IRS for filing my taxes and I have 1 letter documenting that someone else has been using my identity in another state. What can I do to fix my credit score and background 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 2023-06-11
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX CHILD SUPPORT ENFORM, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I applied for a wells fargo credit card, they attempted to do a fraudulent transaction that I immediately said was not mine on XX/XX/19 call was recorded they can review that call. Wells Fargo issues me a new card and assures me that the transaction did not go through but then doesn't approve my claim because they say I activated the card and that I made this purchase. I did not receive the card nor did I activate it, if they would like I can send them my call log for the month and day so they can see I did not activate the card with my phone number. I was nowhere near the place where these theives were attempting to use my card so Wellsfargo denied my claim and want to hold me responsible for their charges {$610.00} worth. I am so upset and can't even imagine how they conduct investigations on claims and just blatantly lie about it and deny the claim. By lying I mean they said I called and activated the original card ending in XXXX again that's impossible. Have them call the location and request video footage whatever they need to do.I did not use this card for a {$610.00} purchase at 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