BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Bank of America has been holding my direct deposit from my employer for 4 business days, claiming that the deposit was on hold due to my account 's " history of overdrafts ''. I was promised that the funds would finally be released tomorrow, a week late.

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 2020-03-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Friday I asked the bank to transfer XXXX The bank XXXX ties to pull XXXX instead. 

XXXX bounced and then they stole the XXXX When I called last night they told me they sent it back just now to the external bank and I didnt tell them to. 

My bank has an employee who has been doing evil things with my account. 
They turned my debit card off while I was at the airport on purpose last week. And this week they sent my funds back after being caught stealing them and putting my account in the negative. When I called they claimed they just sent it back when I tried to renew my hotel stay. 

But if they sent it back my account should not be in the negative for what was sent back. 

They told me this on the phone as they tried to skate around getting caught stealing XXXX. By pulling XXXX then stealing XXXX by claiming XXXX returned when I never asked for XXXX to be transferred. 

They claimed they sent it back but my account was in the negative XXXX ( XXXX. ) available. 

They stole my money then transferred more than I asked. Then sent what I actually asked for back. And then left my bank erroneously in the negative as they them stole funds that they never received after making my account negative by mistake. 

They got caught stealing then tampering then stealing something they claim they sent back AFTER I called last night.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
REFERENCE:XXXX I applied for a PayPal credit card it said that I would receive a letter in the mail with your decision I received a letter and it says you could not approve me but not for a normal reason you're only reason listed was that you claim you're unable to verify my identity I have to say I'm shocked how is that possible in XX/XX/2019 first of all I have a PayPal account that with bank accounts and credit cards attached to it and all my personal information but in addition to that when filling out the application if I recall you asked for Social Security numbers date of birth I'm just not certain what more information I could have given you how is it possible that you can't verify my identity? Nobody called to ask me other questions you haven't asked for anything I mean I have a Michigan State ID obviously the state of Michigan can verify my identity I also have a passport that's been used to travel all over the world obviously the federal government can verify my identity do you need copies of those things I was born in Missouri I can even give you a copy of my birth certificate but the fact that you didn't even ask for anyting makes me sit here and just wonder and shake my head I mean I'll be honest it almost feels like you're discriminating against me for some reason what have I possibly definition and I'm assuming you pulled one of my credit reports which would have confirmed all the information I have provided

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 2018-10-11
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I haven't used my Chase Slate card in about 9-10 months. I actually forgot that I still had the card. My card was damaged and wouldn't work anywhere so I ordered a new card and started using it once again. Upon using the card again everything was ok and working. Chase sends me a letter stating unsatisfactory relationship with them. Whatever that means. I have never been late or missed a payment with them ever. I have never missed or been late on anything in my life. They can see this through my credit report. Nothing giving a detailed explanation of why they would send me a replacement card to use and then close my account shortly after receiving and using the card. During the call to get a replacement card mailed, I tired a credit line increase in which I was denied of. Which is fine thats a small hit on my credit but to close my account for no reason explained after all this is absurd.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-31
Company: Greystone Alliance LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Greystone Alliance ( XXXX ) has continued to call me on my cell phone and landline about a debt that is not mine. Ostensibly, it is my brother 's. The company has continued to call on a regular basis, per the caller identification feature on my phones. I have repeatedly told the company this information and told them to take me off their call list. I recall doing this in XX/XX/XXXX. Again, on XX/XX/2019, I provided this information and told them to take my name off their calling lists. I was assured this would be done. Greystone called again on XX/XX/2019, and I repeated the information and my request. On XX/XX/2019, my brother contacted Greystone and told them to remove my numbers from their call list, and was assured that my phone numbers were removed by someone identifying herself as XXXX XXXX. Later in the morning, Greystone called me again on my landline. I called the company and requested to speak with a representative 's supervisor, and the representative hung up. I called again, and a different representative told me that my numbers were removed. I noted that contrary to what she had said, I had continued to get called. I requested the full company 's name, the states the company did business in, and to speak with the representative 's supervisor. The representative hung up.

Company response to consumer: Untimely response
Consumer complaint received 2017-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Bank of America is reporting me as suspected fraud on XXXX and XXXX XXXX because of that I am unable to open a checking account. I have been trying to open an account because in two years I would like to try and buy a house. That negative remark stays on your account for seven years. I wrote a letter to the Office of The President if they could stop reporting this. I was transferred to a department and the customer service rep was condescending and rude. I tried to explain my situation. I do not owe the bank any money, whatever I did wrong it was paid so they should stop reporting 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 2020-11-24
Company: TRUIST FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Last month, XX/XX/XXXX, my account showed {$350.00}, but it should have showedcat least {$900.00} or close to that amount, when I went to buy furniture it showed {$250.00} just about all year I have kept over {$1000.00} in my account once I received the stimulus paymdnt of {$1200.00}, XXXX was when innoticed the first discrepancy. I contacted the manager but I have not received a call back, then I called the fraud line. I have my checkdeposited monthly bb & t Bank, also I applied for the Covin Loan but???

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 2019-02-22
Company: EQUIFAX, INC.
State: VA
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:
I recently received an annual credit report and it include a " HISTORY '' going back several decades. When I asked why they even had that information I was informed it helped with rating my credit score. 

I was under the impression the only thing that affect a score was recent history. I had no idea they could even retain records going beck 30 years or more. 

I also don't believe this should impact my credit rating. When I asked they to delete this information from their records, they refused. 

Is there some way to correct this?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sold a phone on XXXX for {$140.00} on XX/XX/XXXX at XXXX XXXX. The buyer paid via PayPal. PayPal in return placed a hold on my account for {$190.00}, which put my account negative {$45.00} overdrawn. 

I called PayPal and spoke to XXXX on XX/XX/XXXX at XXXX XXXX and he said his supervisor XXXX said they will only release {$15.00} now and then release the rest in 21 days. I told them that was ridiculous and that I was going to cancel the transaction then. 

Now that I canceled the transaction. The buyer on XXXX has not received a refund because PayPal is saying that they ca n't return the payment if your account is in negative. Remind you my account is not negative, prior to this deposit I had a balance of + {$0.00}. After the buyer paid me {$140.00} PayPal took enough money out in holds to bring my balance down to - {$45.00}. And now I can not return the buyer his money, nor give him his phone. So this makes my business look bad because of PayPal. This is clearly a scam by PayPal to hold people money so they can make money off of the interest in their bank account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
On XX/XX/2019 we purchased a money order to pay for rent, for the amount of {$1000.00} which was dropped off at the post office to deliver to our property management. The money order was stolen and cashed at a Wells Fargo, the MO was written to XXXX and someone else cash it because they never received it. We tried doing a claim directly with Money order with no success, we filled a police report and also no success, and we even filed a claim with the payer, Wells Fargo with also no success. They couldn't do anything to help us, this is why I'm writing this claim, it's {$1000.00} which hurts us financially. I am trying to do everything I can to get that stolen money back.

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 2017-09-14
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Credence Resource Management has been calling my cell phone for the last 2-3 months trying to collect {$180.00} for an old XXXX XXXX XXXX bill my wife did not pay. I tell them that they are calling the wrong number and give them my wife 's cell number. They continue to call me from an offshore call center speaking XXXX with an unusual accent. They only ask my relationships with the debtor, not my name, then give me her address and only ask if it is right. I say yes and then they continue to tell me who they are, what company they work for for, that it is an attempt to collect a debt and the phone call may be recorded. After about 15 calls I asked to speak to a supervisor. I notified him that my wife wanted to take care of the debt but was disputing the amount. The supervisor " checked '' the amount and verbally confirmed it was the right balance. I informed the supervisor that I wished to dispute the balance and requested a breakdown or proof of the debt by mail. We never received the proof and now the phone calls are coming more often. I received yet another call just a few minutes ago. I let the gentleman on the other end know that he was violating FDCPA laws by giving me information about the debtor and her account. The gentleman who stated he was in XXXX was not aware of any laws transfered me to another supervisor. The supervisor said he was going to check the times I had been called. He came back on the line very apologetic and informed me that he would remove my number and that I would not receive any more calls from their company. I thanded him but asked him for his company 's information so I could file a complaint. The supervisor hesitated then hesitantly gave me the company name. I asked him for the company address. He said he was not authorized to give me anymore information. He then put me on hold then returned with a company e-mail to file my complaint. I informed him that I would be filing a complaint with the authorities. He said that it was not necessary and asked me not to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I made a purchase through their Shop Through Chase portal the exact same way I have in the past at XXXX. This time as has happened several times in the past, I did not receive a confirmation email confirming the bonus points. I emailed their useless foreign script reading CS reps several times back and forth and received typical canned responses telling me it can take time, each time, as is their custom to waste customers time with XXXX. Finally I received a response from someone who told me that I wasn't credited because I didn't shop directly through Chase, which is ANOTHER lie from them. I MOST CERTAINLY did shop through their portal the EXACT SAME WAY I have in the past.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
XXXX My account was restricted without cause nor explanation. I was told that my account restricted for authorizers placed on the account. However, the cards were never given to the employees. I was asked to send copies of the ids and social security cards. I sent what was received from my contractors. Again, no one had received the cards. They continued to request ids or social security cards were not clears. I sent them several ways as requested. I asked that they cancel the cards. During this time I paid off the account since they wouldn't explain to me about the cause for of the restriction. I have a credit balance of {$4900.00}. They refuse to return my credit balance, transfer my points credit balance and close my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-15
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
We froze our credit due to someone filing a fraudulent tax return under our name. During the process Equifax never gave us a pin to unfreeze. We are currently trying to get a mortgage to purchase a new house. The bank needs to pull credit and they can not from Equifax. We have tried to call Equifax numerous times and our calls get routed thorough a robot answering system and we get hung up on. There is no way to reach a live individual. 

Per there website, Equifax states to reset a pin you must mail copies of your drivers license, a check, and a letter stating that you want to unfreeze your credit and receive a new pin. We have done all of this more than 10 days ago. We have not received a response, they have not cashed our checks, there is no one to call to check on this. 

We are getting desperate. We have sold our current house, we need to obtain a mortgage on the new house or we are in big trouble, i.e homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
So I had a credit card through XXXX XXXX opened up fraudulently as well as a bank account and many other accounts. So I made a police report and canceled all accounts. I reported it to all 3 credit Bureaus. I called XXXX XXXX to provide police report number and I thought it was all taken care of. But they reported as bad debt. I tried disputing it and it came back verified. I requested the information obtained to verify the debt and nothing. So I doubled back to XXXX XXXX and the noted all the information, police report in file and everything. But stated there only objective was to collect the debt so the account has been sold to XXXX XXXX. I spoke with a Equifax rep who told me the address connected to the account which was added to my report based off the credit card account was the verification. Its a fraudulent account due to identity theft. This is a hard process even with documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
i have sent multiple disputes to the credit reporting agencies regarding accounts on my credit report that are incorrect. ive been sending letters since XXXX to the bureaus and have only received a response once from XXXX  in XXXX. we are now at the end of XXXX and i have not received any letters in the mail letting me know the status of the disputes and the accounts are still reporting 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 explanation
Consumer complaint received 2020-07-19
Company: Experian Information Solutions Inc.
State: MI
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:
Contacted Experian, XXXX, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: U.S. BANCORP
State: FL
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:
On XX/XX/XXXX I accept an offer before XX/XX/XXXX of using there 0 % interest free check until XX/XX/XXXX. On XX/XX/XXXX I notice a interest charge of {$120.00} from the promotional check. I called Us Bank on XX/XX/XXXX and spoke to 3 different people and all they can said to me the promotional didnt applied me to because I was late 2 times with payment. I said to them nowhere does it stated it on the promotional checks. They told me I have to look into my credit card agreement and that it was stated on there. I contacted them through email to request a copy of the credit card agreement and was sent one about a week later, I read it and now where does it say that. On XX/XX/XXXX I Paid my entire balance off including the interest charge from XX/XX/XXXX bill and called Us Bank to close my account. On XX/XX/XXXX my statement was email to me with another {$170.00} interest charge on it, for a {$10000.00} check that was suppose to interest free until XX/XX/XXXX has been charge {$300.00} and maybe more charges for XX/XX/XXXX bill.

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 2017-09-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I do n't understand why I keep having problem with this company and my credit report. On XXXX/XXXX/XXXX XXXX bank did another inquiry on my account. I have a new inquiry now on Experian and XXXX. I really with this company leave me alone.

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