BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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 filed the following claim on XX/XX/2020 due to fraudulent charges on my debit card/account : Claim ID : XXXX Claim amount : {$4000.00} I received a notification in the mail that stated : " XXXX XXXX XXXX : We've completed our research and closed this claim. 
What you need to know Our records show the transaction activity in question was authorized and posted correctly to your account. '' I wrote back to Bank of America and requested documentation for the research they relied upon to come to their conclusion for their investigation, and received the following response on XX/XX/2020 and received a follow-up message that stated the following : " XXXX XXXX XXXX : We're writing to you regarding your claim. 
What you need to know Thank you for your recent inquiry requesting that we re-evaluate the above-referenced ATM/Check Card fraud claim. 

We have done a thorough second review of your case, and have concluded that our original determination was correct : no posting error has occurred on your account. 

Therefore, we are unable to credit your account, thus resolving your claim. '' Bank of America never provided restitution for the fraud on my account or provided rationale as to why they were unwilling to provide restitution.

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 2020-11-20
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 information incorrect

Complaint:
Greetings, I sent my round of letters to the credit bureaus because I have inaccurate information on my credit report that is affecting my score, and I want to solve this the fast as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-01
Company: Experian Information Solutions Inc.
State: NE
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:
My twin brother just moved to Nebraska where I live at 2 weeks ago and he tried to get his social security card so he card so he can start working. he said when he applied online to get his social security card, it wouldnt let him. he said his social security number was froze.So he went home and my sister did a credit report on experian using his social and all my information showed up like my old adressess, bank info, loan info etc. so he printed out the report and went to my bank. when he got there he told them his social security number was on the account. the bank told thim that it wasnt. he even showed the bank the experian report and again they told him that it wasnt. so the bank called me while i was at work and asked me if i had a twin and i told them yes. so i left work early and went straight up to the bank to see what was goin on. they told me what happened so they told me to check my credit report and see what happened. i checked my report on experian also and it had my info but with all his debt on it like hospital bills from indiana that been sent to different collections. all his debt was on my report. when i scrolled all the at the bottom of the page it had his name on 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 explanation
Consumer complaint received 2018-09-27
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XX/XX/2014 I had a company call me repeatedly to consolidate my loans. I was told that it would be in my best interest and that all loans would then be placed in an IBR repayment plan. After I consolidated and my loans they became serviced or managed through XXXX. XXXX placed me in the IBR program and I also enrolled in the ten year Public Service Forgiveness Program. A year or so went by with my payments manageable in the IBR program when XXXX contacted me and said that I could no longer be in the IBR program because my consolidation included a small Parent Plus loan. I have learned that XXXX did not catch the Parent Plus loan early and that they should have, but failed to see it. Each company that I worked with while consolidating had visual access to the list of loans that I have, but failed to be thorough and that inability or fault has caused me years of financial problems. I have {$170000.00} worth of students loans and much of this is due to interest that keeps growing. XXXX told me last week that I was scammed by a company that got paid for my consolidation in XX/XX/2014, and that this company did not follow the Federal guidelines that would help me repay my loans. I can not pay XXXX  {$500.00} per month and the repayment of my loans are at a standstill, in a three month deferment only, with no answers of how to resolve this problem that I did not cause. XXXX never told me about the reality of a scam until recently. I do believe that they have known for years of this scam, but instead have pressured me repeatedly to just comply and make the payments. The last person at XXXX that I spoke with was professional, but many have actually yelled at me and belittled me for complaint and asking questions. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Barclays credit card company reported a negative information to XXXX, XXXX, & XXXX  without notifying me properly. Properly defines that they did not conduct a reasonable investigation regarding the reason for negative information which I clearly had a conversation with there representatives on Ref # XXXX which i warned that this needs to be fixed and 2nd  time which happened again which damaged my credit report Ref # XXXX. 

On both Reference when they don't mail statements they assume people have received their statements. Then when they have an automated robot phone calling ( XXXX ), which after picking up phone theres no answer or live person to notify that this is a Barclays card services, people assume its spam and block the number. Then after all that they keep calling but now it goes to straight to voicemail which i have saved all voicemails total of 8 empty 4 to 130 seconds of BLANK messages ( Please listen to 2 of the attachment to file I have saved all voicemails on XX/XX/2021 to my computer in case i need it for proof. This voicemail was from XXXX on XX/XX/XXXX XXXX & XX/XX/XXXX at XXXX ). 

The only way this was solved is by me searching this phone number that kept harassing me by checking background reference through whitepages which then identified its connected to Barclays card services, and i had to call the number behind the card to speak to a live person and not silent robot calling services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
How dare Bank of America send my {$69.00} payment back to XXXX XXXX XXXX overnight ( XX/XX/2022 ) and now jeopardizing my home warranty policy!!!!!!! When the bank ALLOWED a double XXXX transaction for {$210.00} to tie up my availability of funds because they didnt omit one of the erroneous holds!!!!!!!!!!! 
Thats some nerve and its transactions like this that makes financial institutions subject to CLASS ACTION suits!!!!!!!!

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 2018-07-16
Company: SYNCHRONY FINANCIAL
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
About two weeks ago, I reached out to Synchrony regarding the number of calls that I've been receiving in one day regarding two credit card accounts that I, either had or have ( I recently had a card back by them for XXXX and now a card for Care Credit they are also backing ). I did explain that I know that I was late and don't need them to call me as much as they were to tell me this. I spoke with someone about stopping the numerous of calls I have been receiving, and stated to the rep that if this continues, then I'll file a complaint. The rep understand and placed my account on the Do Not Call listing they have in-house. This only worked for a week. Sunday ( XX/XX/2018 ), I received non-stop phone calls from them with the first one occurred at XXXX XXXX and continued on through the day until XXXX XXXX. On top of the harassing phone calls, they are attempting to call me from various of other phone numbers, such as XXXX XXXX, XXXX, numbers from Texas, and from Kansas. The number of times they are calling in a day is a definition of harassment.

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 2020-05-19
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:
I applied for a XXXX XXXX XXXX Card a few weeks ago and I wasn't approved on the spot now today XX/XX/2020 I received a letter in the mail stating the reason why I was not approved was because there were many accounts in negative standing appearing on my credit history. I had no idea there were negative accounts on my credit so I looked at my credit report and there are 6 accounts with negative payment history that are not mine. I did not open any of those accounts nor did I allow anyone to open them in my name. I do not have any type of written/verbal contract with any of these companies and I never gave them permission to run my credit. I did not benefit anything form these accounts and I did not make any payments towards the debt of each account. I have filed this report to the best of my knowledge and I have also filed a police report regarding this suspicious accounts.

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 2020-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The merchant has respond twice to claim # XXXX stating that the charges on the account were accurate for the following reasons : -Funds were deposited into the account days before my card was stolen -All of the available funds were not exhausted out of the account -There were no more purchase attempts made after the card was reported stolen. 

In result, it is the consumer 's responsibility for damages. 

Bank of America has failed to do a thorough investigation for illegal and fraudulent charges on my business account. It is completely ridiculous and unfair to conclude that is the consumer 's responsibility because all of the funds weren't exhausted from the account. This is illegal. Under the Federal Consumer Protection Act, my money is supposed to be insured and protected against all fraudulent activity. 

On XX/XX/2020, my purse was stolen in XXXX, TX. My Bank of America Business debit card was used with unauthorized charges in the amount of {$1400.00}. I reported my card stolen to the XXXX Police Department as well as to Bank of America and opened a claim. I was told by a Bank of America claims specialist that I would receive a temporary credit on my account until the investigation was complete. I never received a credit to my account, nor have I received any written correspondents from Bank of America, in regards to this claim. On XX/XX/XXXX, I called Bank of America, and learned that the investigation had been closed, and they couldn't prove fraud because of XXXX transactions day before my card was stolen, and because whoever committed the fraud didn't exhaust ALL funds in the account, which is not usual fraudulent activity. In result, Bank of America is finding me responsible for fraudulent activity on my stolen debit card. This decision is unethical and unjust. The consumer should not be held responsible for any fraudulent activity on a stolen debit card.

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 2020-11-20
Company: Southwest Recovery Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My business ( XXXX or XXXX XXXX ) closed over 2 years ago. When we closed it, all debts were paid ( not a bankruptcy ) and every company we contacted was told to close any accounts and we confirmed XXXX balances. XXXX XXXX  was the credit card processor and they confirmed the account was closed with XXXX balance. About a year later, I noticed Southwest Recovery Services out of XXXX Texas had an approximately {$300.00} debt owed and late payments on my personal credit report for the entire year. I contacted them and XXXX XXXX  and neither could provide proof of debt. My dispute through XXXX  yielded the same result - no evidence of debt. After months of trying to get proof of business debt for a closed business, and repeated calls ( many were never responded to ), I still have been able to get proof of debt. Today, I finally reached someone at XXXX XXXX XXXX  ( credit card processor ). The first person there said the account wasnt closed properly on their end and they were charging over {$50.00} per month fee even though the account was not being used and they confirmed XXXX transactions for 2 years. They then transferred me within their company and they said they shoed the account as closed and turned over to Southwest Recovery Services collection agency and had no proof of the {$300.00} debt or any additional debt. Therefore, XXXX XXXX  is clueless within their own organization on the closure of the account for my closed business and they cant prove the debt because they sold it to Southwest Recovery. Southwest Recovery cant prove the {$300.00} or any debt because they rely on backup evidence from XXXX XXXX which they dont proof of either. Somewhere in the middle is a mysterious company called XXXX XXXX XXXX that also shows up. Since this account was closed with XXXX XXXX XXXX XXXX XXXX balance and none of these companies have proof of the debt ( as well as this was tied to a closd XXXX XXXX from over 2 years ago ), this should be removed from my credit report, all late payments and debts should be immediately removed from all my personal credit report, and they should mail confirmation of these actions and no debt owed. Thank you for helping stop this fraudulent extortion being performed by these unscrupulous companies. How many more victims out there? Seems like a shell game that warrants a class action lawsuit ...

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 2017-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
XXXX-XX/XX/XXXX, {$2500.00}, this was paid in settlement in XX/XX/XXXX by me need to be removed from my credit report. Kohl's- XX/XX/XXXX, {$630.00}, this account is paid and closed need to be removed from my credit report. XXXX- XX/XX/XXXX, {$570.00} paid, closed need to be removed from my credit report. XXXX, XX/XX/XXXX, {$570.00} paid, closed need to be removed from my credit report. XXXX- {$30000.00} account is closed and paid need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: AMERICAN EXPRESS COMPANY
State: NJ
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 rewards from credit card

Complaint:
I have a Blue Cash Everyday card with American Express and utilize the Amex Offers & Benefits. 

Pursuent to that, I activated an offer on my account page at the Amex website for " XXXX - Spend {$50.00} or more, get {$10.00} back ''. 

Afterwards, I made a purchase on XX/XX/2020 ( the charge posted on XX/XX/2020 ) for {$62.00} on XXXX, making me eligible for the offer. 

However, AmEx is refusing to credit my account for the {$10.00} as was previously advertised. 

I have read all the terms and conditions on this particular offer, and have satisfied all of them. 

This is fraudulent advertising on AmEx 's part as they wrongfully claimed that I will be credited {$10.00} if I used my AmEx card to make the purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Request a new investigation and dispute re-insertion. A simple letter is sufficient : On XX/XX/2020 I discovered XXXX  XXXX XXXX had been re-inserted into my credit file. You are required to notify me of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. 

Neither XXXX  nor the collection agency has provided me with debt validation letter nor a reinsertion letter the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you. Additionally, the creditor who reinserts the negative item must also certify the information is correct.

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 2020-11-20
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2020 I was notified by Cashapp Visa debit that a purchase in the amount of XXXX was made with XXXX XXXX at XXXX. At XXXX I immediately went on the Cashapp app and submitted that the purchase was not made by me and it was a fraudulent transaction. I also submitted that the card was stolen and used for the purchase with XXXX XXXX. At XXXX I called XXXX merchant services and had the card cancelled so that no other purchases were made. I then contacted XXXX XXXX and notified them that my card was used to make a purchase and that I did not authorize the charge. XXXX XXXX was very helpful and immediately cancelled the pending purchase and told me it would take between two to three business days to refund the money back to my Cashapp Visa debit card. To this day I still have not received my money back nor is Cashapp doing anything to put the refunded money back into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit 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 made a series of purchases with a Synchrony Bank Care Credit card, all of which were made over the course of three weeks in XXXX of XXXX. 

All four purchases were promotional purchases made with a deferred, no interest charged due date. When I made these four purchases, at the same place of business, no one at any time explained anything about the following, nor did I receive any phone call from Synchrony explaining the following, nor is there any information on any monthly statement I've received from Synchrony concerning the following. 

Upon receiving my XX/XX/XXXX statement, I noticed that the previous payment, instead of being focused on paying off one or both of the promotional purchases that were coming due in XXXX of XXXX, that the payment was spread out among all four promotional purchases. I had established within my budget a series of payments I was going to make to pay off the purchases whose promotional dates were due in XXXX of XXXX before any deferred interest charges were applied. 

I called Synchrony 's CareCredit card phone line and talked to both an operator and a supervisor on XX/XX/XXXX. It was during this phone call that I had explained to me FOR THE FIRST TIME how the payments on these promotional charges were actually being applied, that in fact any payment I sent in would be spread out among the four promotional charges and that I could not specify that they be made to just one or the other. Both the operator and supervisor stated that this was bank policy and that they could not change it. 

This is a deceptive practice that is in violation of the CARD Act of 2009, and an agreement that was made by Synchrony Bank to the CFPB in XXXX on this very practice. 

I have sent a letter to Synchrony explaining that I want my XXXX and XXXX payments to go exclusively toward the two promotional balances that come due in XXXX of XXXX, and that I was issuing a complaint over this to CFPB as well. I will attach the letter in .doc format to this. I can also send a hard copy of this letter to CFPB if necessary, along with a copy of my monthly CareCredit card statement if necessary.

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