BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bank closed my account without notice ahead of the closure Causing financial stress and emotional stress Find out my account was closed because my automated payments were declined and vendors contacted me about my payments declined Bank closed on XXXX XXXX my account and my a week after I found out that my account was closed by not been available to log in When I called their customer service was rude and cut off my call called again and I asked reason they denied any explanation until now They did returned {$2000.00} and still hold on {$500.00} for no reason explaining

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 2020-04-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I learned that Portfolio Recovery had inserted a negative tradeline in my credit file in XXXX. I contacted them in XXXX to fins out what it was for. Once they sent me a sheet with not much information I responded and ask for validation of the debt on XX/XX/20 to date they have not responded with any sort of proof and they ignore my requests for information about this debt yet they still have this reported on all of my credit files. Enclosed are the proofs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: EQUIFAX, 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:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Consumers need to be protected against the lack of transparency by Capitol One, XXXX XXXX XXXX, XXXX UT XXXX for the following : Unlike other major credit cards firms such as XXXX, XXXX, etc : Capitol One refuses to print on cardholder 's statements the expiration date of the promotion offer ( s ) that are in effect. Moreover, this expiration information can not be found on any online account. 

Their customer service supervisor makes no apologies for this lack of transparency and informs cardholders that expiration dates of accepted offer ( s ) was mailed in the initial " Welcome Package ''. 

This unfair policy by Capitol One is merely to keep the cardholder off-guard to the upcoming higher interest rates which is also unlisted. 

Capitol One must be forced to be more transparent to their cardholders.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Credit Control, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
HELLO this collection company repeatedly contact me even when I have ask not to do so. The debt was unknowingly refer to collection with no prior duscuss or formal communication by the company XXXX. I also notice on the correspondence the amount of the debt is higher than reported on the credit report. Collection agency added fees. I never heard from XXXX or was advice of any debt till view in my credit report and a new collection agency took over. I repeated inform them to stop and they have ignore this request.

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 2020-07-16
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
on the XX/XX/2020 i've applied for a XXXX  credit card offered by Synchrom bank which they approve me immediately. they send me a letter on XX/XX/2020 telling me that my credit score is XXXX, which is false, because of my credit history obtain from transunion witch i made a request for a copy of that report where it states that my credit is XXXX. this is my first esue my second problem is that tis bank fraudulent opened in my name an other account and registered in my XXXX  account as automatic billing witch the last 4 digits of that credit car is completely different from the one i receive from them. 

Please i need assistance in this illegal matter. 

Thank you Regards 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 2020-11-04
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: Information belongs to someone else

Complaint:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

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 2020-07-16
Company: EQUIFAX, 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:
FTC Violations FTC Action Halts Operation That Billed More Than {$25.00} XXXX to Consumers ' Bank and Credit Card Accounts without Their Consent XX/XX/2013 FOR RELEASE TAGS : payday lending Bureau of Consumer Protection Consumer Protection Credit and Finance Payments and Billing At the Federal Trade Commissions request, a federal court has temporarily halted an operation that allegedly used an intricate web of concealment to debit hundreds of thousands of consumers bank accounts and bill their credit cards more than {$25.00} XXXX without their consent. The court also froze the defendants assets and appointed a receiver to control the business pending trial. 
According to the FTCs complaint, the XXXX XXXX XXXX defendants targeted financially vulnerable consumers who had never come in contact with them, and without authorization debited their bank accounts and charged their credit cards, usually for about {$30.00}. Those who disputed the charges were told they had purchased something, such as financial counseling or loan matching services, or assistance in completing a payday loan application. How the defendants got the consumers financial information is not known, but some consumers had recently applied for payday loans via the Internet, and entities that receive payday loan applications often sell the information to other parties. 
XXXX XXXX XXXX  {$4900.00} XXXX - XXXX XXXX {$7500.00} XXXX XXXX XXXX   {$380000.00} XXXX {$10000.00} Never live at XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo Home Mortgage, in letter received today from XXXX XXXX, SVP,  advises that loan XXXX in good standing for 14 years is being transferred to XXXX XXXX XXXX XXXX, effective XX/XX/2018 and that I will not be able to contact Wells Fargo about this loan after this date. 

NO EXPLANATION OR DISCLOSURE ON CHANGES TO LOAN SERVICING FEES OR LOAN TERMS AND CONDITIONS IS 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 2020-12-20
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3500.00}, {$12000.00}, {$6600.00}, {$6500.00}, {$9100.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

2. XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6500.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9100.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.

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 2021-11-09
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:
I have a 30 and 60 day late that show in my personal Credit Report, but this was a Business Credit Card, the problem is that due to the Covid 19 situation, I was not able to comply with my credit obligations at that moment, but never before or after the Balance liquidation program stars, I really hope this can help me to remove this negatives that are the only ones affecting my personal credit, my name is XXXX XXXX XXXX XXXX XXXX, this happened last year 2021, XXXX and XXXX. I was also XXXX  and hospitalized with XXXX  XXXX XXXX XXXX including 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 2018-11-16
Company: Experian Information Solutions Inc.
State: MS
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 requested several times that the reporting company verify the accuracy of the information disputed by did not cooperate..The accounts in question have nothing to do with me..Please step up CFPB and take the necessary steps to remove the accounts XXXX/XXXX  XXXX, XXXX   XXXX, XXXX  XXXX, 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 2021-11-09
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021 I received an email from Freedom Mortgage Company ( my current mortgagee ) that my loan application is complete. I NEVER APPLIED FOR A LOAN. On XX/XX/2021 I received an email requesting that I click on the above link to start the process & sign application. I called Freedom Mortgage and advised them that I had never applied for a re-fi. To which I was told that I had applied on XX/XX/2021. She indicated that " XXXX '' was my loan office and she would connect me with him. She then put me on hold only to return to advise that " XXXX '' was not available and would call me back to which he never did. Then on XX/XX/2021 I received another email stating that my loan application was being mailed to me via XXXX. I did receive the package, that I NEVER REQUESTED I NEVER initiated a loan re-fi with this company.

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 2020-07-16
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:
FTC Violations FTC Action Halts Operation That Billed More Than {$25.00} XXXX to Consumers ' Bank and Credit Card Accounts without Their Consent XX/XX/2013 FOR RELEASE TAGS : payday lending Bureau of Consumer Protection Consumer Protection Credit and Finance Payments and Billing At the Federal Trade Commissions request, a federal court has temporarily halted an operation that allegedly used an intricate web of concealment to debit hundreds of thousands of consumers bank accounts and bill their credit cards more than {$25.00} million without their consent. The court also froze the defendants assets and appointed a receiver to control the business pending trial. 
According to the FTCs complaint, the XXXX XXXX XXXX defendants targeted financially vulnerable consumers who had never come in contact with them, and without authorization debited their bank accounts and charged their credit cards, usually for about {$30.00}. Those who disputed the charges were told they had purchased something, such as financial counseling or loan matching services, or assistance in completing a payday loan application. How the defendants got the consumers financial information is not known, but some consumers had recently applied for payday loans via the Internet, and entities that receive payday loan applications often sell the information to other parties. 
XXXX XXXX XXXX  {$4900.00} XXXX - XXXX XXXX {$7500.00} XXXX XXXX XXXX   {$380000.00} XXXX {$10000.00} Never live at XXXX XXXX XXXX XXXX XXXX, NY 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 2022-12-08
Company: Experian Information Solutions Inc.
State: GA
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-12
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:
This account with XXXX XXXX XXXX was paid satisfied in XX/XX/2018, it is showing up on Equifax and XXXX XXXX as a derogatory CHARGE OFF. It was never a charge off and my payments prior to settlement were on time. I verified this with the Company but they have not changed the credit bureaus status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
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:
I just recieved a new credit card today (XX/XX/2021 ) from Bank of America. I did NOT apply for a credit card and I have no banking relationship with this bank. I tried calling, but it is near impossible to get a person that can help. ( no problem if you want to make a payment ) This is upsetting in that my credit score can be affected by another credit card with a credit line of {$16000.00}. 

Again, I did not apply for this 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 2020-09-12
Company: Square Inc
State: MD
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 XXXX  at XXXX XXXX I made a transaction when I tried to make another one transaction it would not let me.However, I am new Cash app customer, so I called Cash app services for help, so I thought were help.While I was talking to customer services I notice they were sending my money to people I don't know on my phone. I can literally see them transfering money to accounts. I was asking them what are you doing they said fixing the problem. On the flip side, they were stealing my money.They took XXXX XXXX and XXXX XXXX dollars from my account.Can you please help me to retrieve my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: CITIBANK, N.A.
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I'm reaching out because I've got a major bone to pick with Citi Bank, and I believe you might be able to help. Over the course of XXXX and XXXX, they've hit me with an eye-watering {$460.00} in return check fees. In XXXX, it was {$99.00}, and this year, I've already shelled out a whopping {$340.00} in these pesky charges. 

Now, let 's be real here if a payment bounces, it's typically because we're having a tough time making ends meet. So, what does Citi Bank do? They slap us with more fees, making our balances soar and pushing the minimum payment further out of reach. It's like a never-ending cycle that's making life even harder for folks who are already feeling the financial squeeze. 

I'm just a regular person trying to make things work, and I feel like these return check fees are piling on the stress. I'm reaching out to the Consumer Financial Protection Bureau in the hopes that they can take a closer look at this situation and help folks like me. Maybe we can convince Citi Bank to cut us a little slack and stop piling on the fees that only make it harder to get back on our feet. 

Thanks for lending an ear, and I hope we can make a positive change here. 

Best regards, [ Your Name ]

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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I sincerely implore you to take immediate and decisive action to remove the unauthorized inquiry from my credit report without any further delay.

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 2020-09-18
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items : XXXX XXXX {$400.00}, XXXX XXXX {$1300.00}, XXXX {$170.00} and XXXX XXXX  {$990.00} on my credit report. It has been well over 30 days and I have not received any investigation results.

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