BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was given an EDD Debit Card when I was approved for COVID-19 Unemployment. In XX/XX/XXXX, my benefits were stopped due to an issue with my claim which was appealed. At that time, i also discovered that fraudulent transactions occurred on my card in XX/XX/XXXX and sent a letter to Bank of America to dispute the fraudulent transactions. All of the fraudulent transactions on my card occurred in States outside of XXXX  when I was at home in XXXX XXXX at the time of each and every fraudulent transaction on my card. A copy of the letter that I wrote to Bank of America regarding the fraudulent transactions is attached. Bank of America wrote me a letter back stating that my fraud claim was denied in XX/XX/XXXX ( close to a year after I sent in the letter disputing the fraudulent transactions in XX/XX/XXXX ). I did not authorize anyone else to use my card and did not take place in any of the fraudulent transactions made on my card. 

In XX/XX/XXXX, I won my EDD Appeal and EDD sent me a new Debit Card to receive my benefits on. On XX/XX/XXXX, partial benefits in connection with my favorable appeal were sent to my EDD Debit Card. I was not able to activate my new EDD Debit Card so I called Bank of America and was told that EDD placed a hold on my debit card. I contacted EDD on XX/XX/XXXX, and was told that EDD did not place a block on my debit card. A copy of the secure email that I received from EDD explicitly stating that they placed no block on the card and to contact Bank of America is 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 monetary relief
Consumer complaint received 2019-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently opened a Bank of America checking account again after it closing in XX/XX/XXXX. I had been with that banking institution since XX/XX/XXXX. Well I went to deposit my payroll check inside my local Bank of America branch that I have gotten since XX/XX/XXXX and was told since it was a new account that I could cash out {$200.00} and would have to deposit the rest. Then I got a receipt from the bank teller stating the funds would be available on XX/XX/XXXX at XXXX. Well I woke up the next morning and saw my online banking where the hold was extended to XX/XX/XXXX at XXXX XXXX and was not told why this hold was extended. I have contacted several people at Bank of America who will not give me a simple straight answer. I got my payroll on XX/XX/XXXX and they indicated that they have sent the necessary files to validate my payroll funds and I still can not get access to my payroll check. I went to a local branch today and was told by the Bank of America 's assistant manager there that I should go put a stop payment on my check and drive out of town to the XXXX XXXX XXXX Bank Location to cash my payroll check. My employer is with the XXXX XXXX XXXX and a XXXX and uses XXXX XXXX XXXX to pay us our payroll checks. I have gotten no resolution whatsoever from Bank of America and they still will not explain to me why my payroll check had a hold extension placed 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 2022-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2022 I sent Transunion a dispute in regards to them furnishing information on my credit report without my consent that is harming me as a human being. The delivered was delivered to them on XX/XX/2022, I am aware that they are to respond within 4 days by law. It is now XX/XX/2022 and I have yet to receive any response. They are in violation. My original documents were notarized as well.

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 2019-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I AM A VICTIM OF ID THEFT. I HAVE ATTACHED SUPPORTING DOCUMENTS TO MY ASSERTION. PLEASE REMOVE THE ITEMS CATEGORIZED IN MY FTC REPORTS.

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 2022-01-14
Company: EQUIFAX, INC.
State: MI
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 hold a mortgage with XXXX loan servicing. I was personally impacted by the coronavirus and went on the corona forbearance plan as soon as I was made aware it was an option in 2020. I was told it would not effect my credit score and be non-reporting on my credit report. Unfortunately that was not the case and XXXX loan servicing reported it every month. Had I known that I may have chosen differently. It's unacceptable to tell someone they won't be negatively effected by going on Corona forbearance and then destroy their credit the whole time. I would like all of the late payments removed off of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
We filed complaint XXXX with the CFPB regarding XXXX XXXX XXXX XXXX 's dishonest practices and onXX/XX/XXXX, XXXX replied to CFPB ( and us ) acknowledging that despite their 10 months of harassment and claims to the contrary that our loan account was in fact PAID-IN-FULL- AS-AGREED, last XX/XX/XXXX ( just as we had stated ). In their XX/XX/XXXX letter XXXX promised to correct the reporting to the credit agencies, but in fact XXXX just ( on XX/XX/XXXX ) dishonestly reported to the credit agencies that we were over 120 late and there was a balance {$2000.00} which are both incorrect, see XXXX 's letter dated XX/XX/XXXX acknowledging this.
In the years we have dealt with XXXX they have NEVER done what they said they would do and XXXX  would not have written the attached letter acknowledging their errors, if we had not provided the CFPB with documentation proving our claims. CFPB is XXXX 's regulator Agency, Please make them follow the law and correct ALL their errors and our credit. XXXX should not be able to violate Dodd Frank and the Fair Reporting laws in this matter without dispensary action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
We filed complaint XXXX with the CFPB regarding XXXX XXXX XXXX XXXX 's dishonest practices and on XX/XX/XXXX, XXXX replied to CFPB ( and us ) acknowledging that despite their 10 months of harassment and claims to the contrary that our loan account was in fact PAID-IN-FULL- AS-AGREED, last XX/XX/XXXX ( just as we had stated ). In their XX/XX/XXXXletter XXXX promised to correct the reporting to the credit agencies, but in fact XXXX just ( on XX/XX/XXXX ) dishonestly reported to the credit agencies that we were over 120 late and there was a balance {$2000.00} which are both incorrect, see XXXX 's letter dated XX/XX/XXXX acknowledging this.
In the years we have dealt with XXXX they have NEVER done what they said they would do and XXXX  would not have written the attached letter acknowledging their errors, if we had not provided the CFPB with documentation proving our claims. CFPB is XXXX 's regulator Agency, Please make them follow the law and correct ALL their errors and our credit. XXXX should not be able to violate Dodd Frank and the Fair Reporting laws in this matter without dispensary action.

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 2022-01-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been taking advantage of due to malpractice while several laws have been broken under the FCRA by your company. This is causing me XXXX XXXX XXXX XXXX of character. I am unable to get a job or apply for credit. This has hurt the credibility of hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: PNC Bank N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/21, I was scammed. I don't know how I could have been so stupid, but these people are obviously real good at what they do. An email appeared telling me I was being charged {$130.00} to renew XXXX XXXX XXXX. I wanted this to be cancelled ; I was to call XXXX. I wound up speaking to a XXXX XXXX @ XXXX. The form appeared on my screen and I typed in XXXX but it came up as XXXX and somehow they were able to doctor my bank ( PNC ) statement to show that XXXX went into my A/C. The guy begged me to wire back the money ( XXXX, deducting a liitle for my trouble ). The money was wired to XXXX ( XXXX Bank ) and of course when I looked at my actual statement the next day, the XXXX was gone. I contacted PNC Fraud ( XXXX ) and they are trying to get my money back but who knows? Details of the transaction are that the money was sent to XXXX to a XXXX XXXX, A/C # XXXX ; swift code XXXX. The XXXX XXXX email address is : XXXX If there is anything you can do to help me, it would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: INVESTORS BANK
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I applied for an " eAccess Money Market account '' from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX via an internet online application on XXXX. 


Upon completing the application online, I got an online message saying they are verifying all of my information. 
I was given a Reference Code of XXXX. 

I called several times and was told I'd be receiving an email and was told by other reps that I would be receiving a phone call. 

I never received an email or a phone call. 

On XX/XX/XXXX I called them again and was told by supervisor XXXX that my application was declined and I would be receiving an email notifying me of this and a letter giving the reasons. 

I never received an email or a phone call or an explanation. 

The CFPB requires that when one is declined for an account one receives the names of the Credit/Verification agencies consulted. 

I emailed and called numerous times asking for this but never received anything except a claim that I was sent an email statement " The email rejection letter was sent to you on XX/XX/XXXX at XXXX. '' That was never received by me and I believe this is a false statement, as I have no problem receiving emails, this is the only entity claiming I was sent an email I never received, and I received every other email from Investors Bank except for this alleged one. 

I asked for it to be resent and was told that would not be possible, again making it clear that there never was such an email. 

I asked for the agency/agencies consulted for my information and was simply sent a list of every credit agency, but not the specific ones consulted. 

This is clearly a breach of the CFPB rules. I demand that Investors Bank provide me with the information as required by CFPB regulations. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Credit Karma, LLC
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have a savings account with credit karma. 
I tried to withdraw my money from the account. {$100.00}. It says ( the account you are trying to withdraw from is frozen ). 
The first time i tried to withdraw the money was XXXX/XXXX/20 and i tried today XXXX/XXXX/20 with no change.i have tried withdrawing and cancelling my account and no reply from credit karma.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: BMW Financial Services NA, LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a loan with BMW FINANCIAL SERVIC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and BMW FINANCIAL SERVIC were successful resolution. XXXX and XXXX  wonly reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX2017

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
i get preapprovals from capitol one every day in my inbox. i have been preapproved over 6 times for a capitol one card. i completed a XXXX XXXX application and it was denied because i had a fraud alert on my XXXX account i did not know about which i have now fixed with my phone number that was left off for my contact number which was done the same week. i have mailed them more documentation to dispute this issue to the office in XXXX XXXX XXXX, ut. they refuse to reopen my application and contact XXXX to process my XXXX XXXX. all my emails to capitol one that i have sent to them have come back. the refuse to help me in anyway on the phone. i have contacted to ceo 's office as well in va. my application number is XXXX my confirmation number for equifax is XXXX where i called and had ny phone number added to my fraud alert. capitol one so far refuses to have any other solutions other than pulling my credit over again to pull down my scores. hope you can help me get my XXXX XXXX  i applied for and i was preapproved for over 6 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: EQUIFAX, INC.
State: TX
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 CONTACTED THE COMPANY XXXX XXXX XXXX ON XXXX XXXX XXXX REGARDING THE ACCOUNT INFORMATION BEING REPORTED ON MY CREDIT REPORT ALL THREE CREDIT BUREAUS HAVE SENT LETTERS SAYING THAT THE INFORMATION WAS VERIFIRED AND ACCURATE ACCORDING TO THE FCRA. I SPOKE WITH CUSTOMER SERVICE REGARDING ACCOUNT # XXXX AND WAS TOLD THAT THE ACCOUNT WAS PAID IN FULL BUT WAS CONSIDERED A CHARGE OFF BECAUSE IT WAS NOT PAID WITHIN THE AMOUNT OF TIME FOR THE CONTRACT. THIS HOWEVER IS INCORRECT INFORMATION IT REPORTS THAT THE CONTRACT STARTED ON XXXX/XXXX/XXXX. BUT IN THE CONTRACT IT IN FACT STATES THAT THE CONTRACT BEGAN ON XXXX/XXXX/XXXX. REPORTED TO THE CREDIT BUREAU IS AMOUNT OF XXXX BUT, IN SAID CONTRACT THE AMOUNT IS XXXX. THE COMPANY FAILED TO REPORT THAT THERE WAS A SWITCH IN VEHICLES AND DID NOT UPDATE THE CONTRACT TO REFLECT THE NEW VEHICLE OR THE NEW CONTRACT. ALL INFORMATION BEING REPORTED IS FOR A TOTALLY DIFFERENT VEHICLE IN WHICH I DID NOT OWN. HOW DID THE CRA NOT CATCH THIS INACCURATE REPORTING OF DETAILS? THERE WAS NOT A PROPER INVESTIGATION CONDUCTED OR IT WOULD HAVE BEEN CAUGHT.MY CR SHOWS A CHARGE OFF OF XXXX BUT THERE WAS A REFUND SENT AFTER THE END OF THE CONTRACT WITH XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: EQUIFAX, 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:
On Saturday, XX/XX/XXXX, I went to XXXX XXXX XXXX on XXXX XXXX in XXXX XXXX XXXX, Florida, to test drive a new car. I found a car I liked and negotiated with the saleswoman, XXXX XXXX, but we never reached an agreeable price. I specifically asked her if the credit inquiry she needed would appear as a hard inquiry on my credit report, because at that time I was not applying for any type of financing as we had not agreed on the sales price. She specifically told me that the inquiries are soft inquiries. However, I noticed today that not one, but two, hard inquiries are appearing on my Equifax report. I tried to contact Equifax online and by phone but was unsuccessful.
I would like these two hard inquires-one from " XXXX  '' and one from XXXX XXXX XXXX, XXXX datedXX/XX/XXXX, to be removed from my credit report as soon as possible, as I am currently trying to finance a new ( or used ) car.
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 CONTACTED THE COMPANY XXXX XXXX XXXX ON XXXX XXXX XXXX REGARDING THE ACCOUNT INFORMATION BEING REPORTED ON MY CREDIT REPORT ALL THREE CREDIT BUREAUS HAVE SENT LETTERS SAYING THAT THE INFORMATION WAS VERIFIRED AND ACCURATE ACCORDING TO THE FCRA. I SPOKE WITH CUSTOMER SERVICE REGARDING ACCOUNT # XXXX AND WAS TOLD THAT THE ACCOUNT WAS PAID IN FULL BUT WAS CONSIDERED A CHARGE OFF BECAUSE IT WAS NOT PAID WITHIN THE AMOUNT OF TIME FOR THE CONTRACT. THIS HOWEVER IS INCORRECT INFORMATION IT REPORTS THAT THE CONTRACT STARTED ON XXXX/XXXX/XXXX. BUT IN THE CONTRACT IT IN FACT STATES THAT THE CONTRACT BEGAN ON XXXX/XXXX/XXXX. REPORTED TO THE CREDIT BUREAU IS AMOUNT OF XXXX BUT, IN SAID CONTRACT THE AMOUNT IS XXXX. THE COMPANY FAILED TO REPORT THAT THERE WAS A SWITCH IN VEHICLES AND DID NOT UPDATE THE CONTRACT TO REFLECT THE NEW VEHICLE OR THE NEW CONTRACT. ALL INFORMATION BEING REPORTED IS FOR A TOTALLY DIFFERENT VEHICLE IN WHICH I DID NOT OWN. HOW DID THE CRA NOT CATCH THIS INACCURATE REPORTING OF DETAILS? THERE WAS NOT A PROPER INVESTIGATION CONDUCTED OR IT WOULD HAVE BEEN CAUGHT.MY CR SHOWS A CHARGE OFF OF XXXX BUT THERE WAS A REFUND SENT AFTER THE END OF THE CONTRACT WITH XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX/XXXX/2018 I accidently sent {$610.00} from a Bitcoin cash wallet on Coinbase to a Bitcoin Wallet XXXX ) on XXXX. Here is the XXXX. I have tried reaching out to COinbase and XXXX for the last 4-5 days requesting that the funds be credited to the proper account. I have received no response from XXXX or Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: CITIBANK, N.A.
State: TX
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:
I applied for a Citi / AAdvantage Executive Card and though I have over a XXXX credit score and met all of their qualifications, Citibank did not give me a reason for declining my application.
I believe since the representative knew I was a gay man he changed his demeanor on the phone dramatically. I was initially told it would not be a problem and then when he asked me if my spouse would be a co-signer I stated that I am not married but engaged to another man. Also, I told him I was an american citizen and I guess due to my XXXX accent he did not believe me. Two strikes apparently.
He sounded alarmed and then cut the conversation short. I am very concerned about their conduct and am extremely hurt by being turned down for the card. I have impeccable credit and have thousands of disposable income. I make over $ 85K a year and no debt.
I have made a copy of FICO score for your review. Please help me.
Thanks, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: CITIBANK, N.A.
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 reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

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