BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Bank of America ( BoA ) is wrongfully refusing to process a " return protection '' claim for a purchase made with my Premium Rewards credit card. BoA advertised this type of card as having " return protection '' when I opened the account in XXXX and, as of XX/XX/XXXX, continues to do so. In addition, I had no trouble using the " return protection '' benefit on this account in the past and have not received any notices from the bank that it would change in a way that affects the " return protection '' benefit. 

I attempted to file a new " return protection '' claim this week but have been unable to do so. It's not clear why. The four BoA representatives I spoke with each said that I would need to ask its benefit administrator, XXXX XXXX XXXX  ( XXXX ). Yet XXXX says that the card does not have " return protection. '' XXXX also said that it contacted the BoA this week and that BoA confirmed that the card does not have " return protection. '' I have spent hours on calls going in circles with BoA and XXXX and reached a dead end. On these calls, the two entities have provided inconsistent and contradictory information. For example, multiple BoA representatives said my card does, in fact, still have " return protection '' and confirmed that no " change in terms '' notices were sent that would affect this. One of these representatives also promised to email me a copy of my card 's current terms but did not do so. XXXX says that it relies on BoA for information and that any concerns must be addressed by the bank. The bank, meanwhile, says that only XXXX can address benefit issues ( XXXX, a manager at BoA, both refused to help and said the matter couldn't be escalated further ).

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 2023-04-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2020-12-16
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: Account status incorrect

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting 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 2023-03-31
Company: EQUIFAX, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Equifax has violated my consumer privacy rights, without my permission it has reported private transactions of which it had no right or permission to do so, they have been notified in the past of these violations, but to date continue to violate my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: NJ
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 acquire my credit report and asked the credit bureaus to check and make sure everything was complete and according to 15 usc 168i5 I waited 30 days and received my investigation and notice was still the same. the consumer reporting agencies which is equifax, XXXX and XXXX did not modify or removed anything late payments are not correct please i would like you to remove the late payments which is a violation. this is impacting me from moving forward to buying a house for my family i attach my previous credit report and my new credit report to show how XXXX violated my rights the date open is no correct.date las active is not correct on all three credit reports, date last payment is not correct on three credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Comerica
State: MD
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
My direct express card was stolen and I've been trying to have a replacement card sent to me. The individual that stole the card changed all the information on my account. For several months I attempted to cancel the card to stop this person from using my card and staff failed to cancel the card until an investigation was conducted. Now to get a new card I verified my information by faxing documents over six times to five different fax numbers staff is telling me that now I need a XXXX from social security. In which I sent a signed form to them. Truly, frustrating the lack of effort shown to resolve my problem. This matter shouldn't have taken two months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am filing this complaint to address issues concerning inaccurate personal information and unauthorized fraudulent inquiries on my credit record. The items in question do not relate to me, and I request the immediate removal of this fraudulent 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 2023-03-07
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I used a Chase Visa card in XX/XX/2022 to rent a car from XXXX at the XXXX Airport. The rental car windshield suffered a stone chip on the highway that caused a crack in the windshield. XXXX charged me {$510.00} for the damage. My personal car insurance ( XXXX ) paid {$380.00} of the {$510.00} ( less a {$100.00} deductible and XXXX processing fee ). Visa is supposed to pay the remaining {$120.00} as part of their car rental benefit when using the Visa card. 

I have submitted extensive documentation to Eclaims, the Chase/Visa insurance processor, but they refuse to pay until I provide additional estimates of the repair costs. I have provided everything XXXX provided to me, which is the cost of the repair. 

While this is a small amount of money, I believe my experience may be typical for a very large number of consumers who are being abused by Eclaims/Chase and Visa. Please investigate to determine if this is a widespread and fraudulent abuse of the consumers. I have previously reported my experience to the Virginia Insurance Commissioner, who investigated and determined my complaint should be forwarded to your agency. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
When additional principal payments are sent to the bank, the bank is taking finance charges out of principal only payments, even though payments are marked principal only. Five additional principal payments were sent between XXXX and XXXX and each time the bank applied towards finance charge and principal. While the bank will reverse this if you call directly, it is a predatory practice.

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 2023-04-13
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2018-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The information that is reporting on my credit report is not correct my name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX, maryland XXXX. Everything else far as my address and name that is reporting on my credit report is incorrect.

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 2018-04-24
Company: NCC Business Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My complaint is to creditor, NCC Bus Sv, which I was never notified of this ridiculous amount they claim I owe which is {$4500.00}. Last year XX/XX/2017 I vacated XXXX XXXX XXXX my rent was XXXX plus late fees 5 % which leaves XXXX, I left the apartment 2 months prior to my renewal date which was XXXX due to rodent issues. I was never contacted by this company thru mail or by phone, this year I got a copy of my credit report and it states that I owe this outrages amount which is twice as much I owed for rent plus the late fees, I want to know where did they get this outrages amount from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check issued from our insurance company a couple months back when and didn't know I had to get an endorsement. We acknowledge she is at fault for that, but this whole situation is being overly complicated by XXXX in the first place. 
XXXX comes, our car is repaired, and we prepare all the necessary documents XXXX needs to resolve this dispute. Last week, we were finally able to collect all of them and send them over, just to find out despite sending all the documentation they require, they still don't want to authorize payment. Now, our insurance company won't reissue a copy of the check because the check is cleared and suspended, our bank won't release the funds because they are protecting themselves from legal liability, and XXXX won't authorize the check, because they are being stubborn I guess. We haven't had this car in months, haven't defaulted on payments, haven't defaulted on our contract, and since this vehicle is leased, I imagine it's in their best interest to also have this vehicle repaired. 
I've done everything in my power to rectify this situation, but the only thing I can do from here on out is take legal action. We've wasted days, talked to multiple reps, gotten our bank and insurance company to talk to these people, been given ample misinformation, and nothing has been resolved about this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
The bank blocks/ restricts certain apps such as transferring money. This shouldnt be allowed to restrict me from using or transferring money easily.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/2022, I sent a certified request to all 3 bureaus to remove old or inaccurate information ( certified number XXXX XXXX XXXX XXXX XXXX ) I did not get a response. On XX/XX/2022 I sent a failure to respond to deletion/correction letter and have still not obtained a response.

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 2021-02-04
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX/XXXX flagged my Experian credit report as a serious delinquency as a Charge-off when I am current paid as agreed never late. I barely use this credit card and make all payments monthly as agreed. Why is this company reporting a serious charge-off over 120 days to my Experian report when I make all payments as agreed? This is an FCRA violation and needs to be investigated. More importantly, I am unable to dispute this status with Experian because I am not late and account is paid as agreed at the same time of serious delquency 120 day charge off flagging so dispute process will not allow it.

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 2023-03-07
Company: MONEY SOURCE, INC., THE
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On our XX/XX/XXXX Mortgage Statement my Wife and I noticed the TMS " The Money Source '' paid our annual Hazard Insurance Three ( 3 ) times in error thus causing a " shortfall '' in our escrow account. 

XX/XX/XXXX {$5300.00} annual premium renewal was sent to XXXX XXXX XXXX ; then XX/XX/XXXX {$5300.00} annual premium renewal was sent a 2X to XXXX XXXX ; then XX/XX/XXXX {$5100.00} annual premium renewal was sent a 3X to XXXX XXXX. 

XX/XX/XXXX ( XX/XX/XXXX TMS " The Money Source '' statement $ {$5100.00} was " returned/refunded '' to my Wife and I which I here confirm. 
{$5300.00} was then refunded and also sent back not to us but to TMS " The Money Source '' but was never applied back to our escrow and they do not know where it is in their company. 
{$2900.00} Escrow Shortfall appears " due '' by my Wife & I on the XX/XX/XXXX TMS statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account with Bank of America in XX/XX/XXXX and made direct deposit totaled {$4000.00} by end of XXXX to qualify for the sign up bonus. The advertised terms state that the bonus would be posted within 60 days after fulfilling the requirement, but it hasn't posted as of today. I first called BoA customer service on XX/XX/XXXX and the representative ensured that I qualified for the bonus and put in an escalation for me. She said the investigation would take 7-10 business days. I called again on XXXX and the representative said there was no update and I should check my account in a week for the bonus and call back if nothing. As of today XX/XX/XXXX, there is still nothing, and I doubt calling BoA customer service for the 3rd time will lead to any progress at this point.

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 2018-12-27
Company: ENOVA INTERNATIONAL, INC.
State: WI
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 sent certified letters to all three credit bureaus requesting an investigation and deletion of the cash net USA from My credit reports. I am facing an extreme hardship and this account is effecting my credit negatively I have been denied credit and Loans for House purchases. I sent all the proof they need to have this deleted and they all have violated the FCRA laws, which are in place to protect consumers. The credit bureaus have a responsibility to report accurately and to respond to disputes in a timely manner. 
And they have ignored me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Our prior management never transferred control or signature authority of CapitalOne Business Savings Account # XXXX to any of the current management. We have no way to regain control of the account and our funds have been effectively stolen. I am the XXXX XXXX XXXX XXXX XXXXXXXX for XXXX XXXX XXXX XXXX XXXX. 

I am empowered by our Board of Directors to gain administrative access to all of our financial accounts and records. I have access to the prior Controller/CFO 's email address which sends me notice that a statement is available for our corporation 's bank account. However, I have no way to gain access to the account or statements. I have called customer service and was escalated to a supervisor who said that they had no process to transfer control of the account without the participation of the retired signees on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received an offer in the mail from TD Bank : Open a TD Convenience Checking account and earn {$150.00} when you receive direct deposits totaling {$500.00} or more within 90 days. Even though it was addressed to the former resident who hasnt lived at this address for 5 years, on XX/XX/XXXX I took the mailer to the local TD branch to see if I qualified to meet the requirements for the offer. I showed the bank rep ( I believe the persons name is XXXX XXXX ) the mailer, and after he did some research, he said that I qualified, so I opened an account and then set up direct deposit. After 90 days, I hadnt received the {$150.00}, so I called the bank. XXXX told me that it could take up to 125 days from account opening to receive the offer. On XX/XX/XXXX, I still hadnt received the {$150.00}, so I called the local bank and spoke to XXXX again. This time, she told me that since my wife once had an account with TD Bank, that I did not qualify for the offer. The person that had opened the account for me told me that I did qualify. It is not my responsibility to verify if I qualify for the offer ; it is theirs and they should perform their due diligence before telling me that I qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
My previous compliant # XXXX. I transferred money, MoneyGram reference XXXX, back in XXXX to my cousin 's son. I have tried contacting Money Gram numerous times to get the documentation they are basing their determination that the funds were transferred successfully. I even told them today that according to their response to CFPB, I can request the documentation they are using to make their determination. They will not provide it to me. They tell me they have to file a compliant, which I just filed one again today, XX/XX/21, case XXXX and someone will email me. No one ever emails back. It's been a vicious cycle and we have been dealing with this since XXXX. At this point, I would like the documentation showing the successful transfer of the funds to my cousin 's son 's bank account so that he can go to his bank and provide them proof and get his money. 
This has been a horrible experience.

Company response to consumer: Closed with explanation