BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-03
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
{$1500.00} transferred to a bank acct fraudulently, on the same day that I spoke to teller at my bank about money transfers from XXXX and she told me only {$1000.00} possible a day. 

On hold now, no customer service available, been on hold for hrs. When I spoke to US bank person on the fraud line. ( Thought they would help me ), they transferred my call back to the reliacard no response number. I will not accept this! 

I have run for the US House of Representatives, and I am archived in the Library of Congress. This is criminal lack of care for poor victims of fraud. 

I will file criminal and civil charges against US Bank. I am Pro Se and IFP.

This is what fascism looks like 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 2017-12-19
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I bought a couch on XXXX/XXXX/XXXX from XXXX 'XXXX. They advertise and tell you that you have 24 months 0 % financing. When I received my statement the plan expires XXXX/XXXX/XXXX. This is 1 year 11 months of financing. I complained directly to XXXX 'XXXX  by calling XXXX XXXX at XXXX. Someone called me back on XXXX/XXXX/XXXX from the number XXXX. He kept telling me the time starts the day you buy the item. Basically the gentlemen tried to explain it and I said that is not 24 months financing that is 23 months financing. 

They do not charge you interest if you buy something on the retail account and then you pay it off when you received your statement. But they start the promotional account from the day you purchase the item. 

I have several other cards and not one calculates the free financing in this manner. 

They either have to quit advertising 12 months free financing or advertise that it is 11 months free financing. 

They also advertise that anything over XXXX is free advertising. However, if you buy anything on their website they do not offer free financing at all. This is extremely confusing to the consumer and is not right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-02
Company: AMERISAVE MORTGAGE CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started the mortgage refinance with this company on XX/XX/2020. I was told there is a {$500.00} processing fee, which i paid. An appraisal was done and paid for as well. 
It has been 60 days and no indication as to when this loan will close. When asked about the delay, i got the following response which did not give me anything specific. 

. I understand you wanting to close. The main problem isnt with Amerisave or any other lender at the time, its the consumer not understanding that everyone is refinancing at the moment and things are taking longer than normal. Your loan is in the processing queue and once a processor is assigned to the loan they will help us get to the closing table. Please understand that there is going to be a wait period no matter what lender you go with, so you might as well get the best deal in which what we are going to give you!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
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 have written letters to EQUIFAX andXX/XX/XXXXin compliance with the CRA on XX/XX/2020, again on XX/XX/2020, and on XX/XX/2020. 
They have failed to remove information that was affiliated with personal details that were challenged in the past, along with none verification from the collection agency XXXX XXXX XXXX ) Acct # XXXX I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
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 status incorrect

Complaint:
Equifax refuses to remove collection account from my credit file. Collection company told me that they deleted the account from my credit file 3 weeks ago. The collection company said the deleted through e-Oscar several weeks ago. Equifax has continued to state they haven't received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
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 disputed several inaccuracies on my credit reports for XXXX, XXXX  and Experian and have not heard back from them in over 60 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 2020-05-28
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have received a letter that one of my accounts are closed and they state my credit score to be at XXXX, when this is false. They closed my account for no reason or for the wrong reasons. I have a credit score above XXXX. This is not right that they state my credit score is lower than what I see providing false information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2018 was the time I found out about my Identity theft issue with Bank of America of someone using my account to deposit bad checks into my credit card account. They used my account to filter the money though the system and they got the cash and then I found out the checks bounced for insufficient funds and I got charged for the full balance of the Checks totalling over {$27000.00} Dollars. I asked Bank of America fo help with this and they said no and I had to pay it all back in full. Fraudualent accounts apear on my credit report also.This is putting a Financial Hardship on me and my family I support XXXX people. With the Corona Virus Impact I need all the money I have and more to get by.

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 2020-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Account reported are inaccurate. Multiple disputes and furnisher will not update record. Debt cancelled effective XX/XX/19. Balance and history incorrect. CRA can not establish accuracy and integrity despite reinvestigation. Description of the procedure used to determine the accuracy and completeness of the information was not provided upon consumer 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 2020-09-02
Company: EOS Holdings, Inc.
State: VA
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 Spoke to this company twice last month just to have them disrespect FCRA, CFPB and Metro 2 reporting Standard altogether this company does not even have my current correct last name on file ( Inaccuracy ) however they want to act as if this alleged paid collection is reporting accurately EOS CCA has been told to remove this debt multiple times but it does not budge it is very inaccurate and the fact that when i paid the alleged collection account under Threat duress and coercion it ( was on my credit report bringing my score down ruining my quality of life. ) They told me that they would remove it from my credit report upon payment but obviously didn't. It reports paid but the payment status says collection or charge off I disputed this account as recent as last month requesting the Date of first major delinquency no response and look at the Status date on experian and transunion INCONSISTENT 2018 showing proof EOS CCA did not notify BOTH the Credit Bureaus of my disputes or the Credit bureaus did not look into investigating my disputes. IT has 3 dates of last activity on each bureau showing proof of reageing the erroneous account WHERE IS THE CONSISTENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
For the past couple of weeks, XXXX XXXX has been texting and calling me and my family from different phone numbers about this alleged debt that was never validated. I was never given notice of the alleged debt nor given the opportunity to dispute this information. When I requested for the statements to be mailed to me, they demanded that I must pay over the phone first. They also said that they will not stop contacting me and my family until I pay them. I told them several times that they are in violation of the Fair Debt Collection Practices Act by harassing me and my family with incessant texts and calls. After informing them, they became hostile and said that they will not stop calling once I pay. Just today alone ( XX/XX/20 ), I received these communications : - XX/XX/20 at XXXX PT : Received text from XXXX to call XXXX about issue reference # XXXX - XX/XX/20 at XXXX PT : Received call from XXXX demanding payment for unvalidated debt - XX/XX/20 at XXXX PT : Received call from XXXX demanding payment for unvalidated debt I was emailed this validation letter, but it's missing these key statements as outlined in the Fair Debt Collection Practices Act : - A statement that unless the consumer, within thirty days after receipt of the notice, disputes the  validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; - 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 - 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 response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loancare LLC does not apply my payments correctly. I have submitted several complaints through this site, yet the problem is never fixed. Nor do I get a response from the 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 2020-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I paid {$690.00} for a XXXX XXXX XXXX to XXXX XXXX on - line. As soon I I sent payment they started living to me about sending my contract. Then I asked for them to cancel the transaction and refund my money. They still haven't sent me a frefund or responded to any of my requests.

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 2020-05-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX closde this account in XX/XX/2016 they are reporting a late payment every month since then, they are also reporting a monthly payment of XXXX XXXX monthly on my XXXX  on a closed account. As well as the high balance is reporting {$10000.00} but the account balances over {$17000.00}. How is that possible?? all of this is incorrect information and they will not change it I have disputed this account numerous of times. The company hasn't done anything to update the incorrect information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: ID Analytics, 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:
I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX  XXXX XXXX # XXXX. The dates wereXXXX XXXX XXXX XXXX, XXXX  XXXX # XXXX the dates were XXXX 2020 my income was affected due to the COVID-19 Pandemicshut down. I am in the middle of moving and this alate mark is preventing me from moving to a new apt . I was under the COVID-19 SHUTDOWN.The CARES Act calls these agreements accommodations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
Company: EQUIFAX, INC.
State: NV
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 have an un-authorized inquiry on my credit report with Equifax from XXXX XXXX XXXX. I did NOT give XXXX XXXX XXXX permission, thus allowing a hard inquiry to reflect on my credit file. I was not made aware, nor were there instructions letting the consumer know that they would be pulling my credit report. What I did was, I added overdraft protection to my personal banking account. No where on their website did it say that they would have to run my credit just for me putting overdraft protection on my personal account. I had no knowledge that they were pulling my credit nor did they have my permission. I am requesting that this un-authorized inquiry of XXXX XXXX XXXX be removed off of my personal credit file with Equifax, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
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:
The bureau found XXXX XXXX violated the Consumer Financial Protection Act in the way it administered a mandatory insurance program related to its auto loans. ... As expected, the bank will be assessed a {$1.00} XXXX penalty from the CFPB and a {$500.00} XXXX penalty from the OCC.XX/XX/2018

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 2020-07-23
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I used PayPal to send {$500.00} as a deposit on a puppy I saw online for sale. Later I discovered this person was a scammer and I never received my puppy. I notified PayPal but they have refused to do anything. While the transaction was authorized, it was clearly a scam and I never received the item for which I paid money. PayPal closed the case and refuses to take any more action. I am unable to get through to anyone on the phone. The PayPal online " resolution center '' is a dead end once PayPal has closed the case. I am blocked from taking any more action, speaking to someone, or appealing the case. Now I am attempting to close the PayPal account and PayPal won't even allow me to do that. When attempting to close my account online, I get a message that there is a " problem '' with my request and they refer me to customer service where again nobody is ever available to talk to. PayPal just abruptly ends the call " we can't support your inquiry over the phone at this time. '' Attempting to resolve problems with PayPal has been a nightmare. I have never encountered such poor customer service in my life. PayPal is enabling scammers and they refuse to take action to rectify fraudulent transactions and scams. They refuse to protect consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-28
Company: Square Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am using cash app and it seems the whole network is shut down. It will not allow me to use my card or transfer funds. I tried contacting customer support today ( XX/XX/2020 ) and the entire system is crashed, customer support included. I have {$1600.00} on the account that I can not use. Their site says suspicious activity was detected but they never contacted me about it, they just closed down the site and blocked me from using my money. They need to contact customers and let us know what is going on and when the issue will be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
After national emergency forbearance went into effect, Navient reversed my student loan payments that I tried to make. I made payments on XX/XX/20 ( {$540.00} ), XX/XX/20 ( {$670.00} ), and on XX/XX/20 ( {$670.00} ). These reversals followed a successful payment on XX/XX/20 ( {$540.00} ), which resulted in full repayment of one of my 5 loans. I contacted Navient and they responded, letting me know that my bank declined the payment. They suggested that " usually a number has been entered incorrectly. '' I contacted my bank ( XXXX XXXX XXXX ) and they indicated that they had no record of these transactions. My transaction history does not indicate any payments or reversals. I find Navient 's explanation to be suspect - my bank account information has been stored on my account with them for years and I am on an autopay system. No information changed. I suspect that this may represent a craven attempt to prevent repayment of the principal of the student loans during forbearance. Navient offered an address where I can send paper checks to pay. If this problem persists then I will pursue this option. I wanted to submit a complaint in case this is a widespread practice, in which case Navient should be held accountable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: Experian Information Solutions 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 information incorrect

Complaint:
I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX  XXXX XXXX # XXXX. The dates were XXXX XXXX XXXX XXXX, XXXX  XXXX # XXXX the dates were XXXX 2020 my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving in to a new apt . I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreements accommodations.

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 2019-03-02
Company: CITIBANK, N.A.
State: SC
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 an AAdvantage credit card with citibank. They offered XXXX American airline points bonus after I spent {$3000.00} ( I do not remember exactly the number, but either {$2500.00} or {$3000.00} in the first three months of account opening ). I have spent {$5000.00} on this citi card. I just chatted with a citibank representative, on XX/XX/2019, and was told that I am not eligible for the bonus as I had this type of credit card in the past. Since I applied and was approved for the new card, citibank never told me this information. If am not eligible for the bonus, which is the main reason I applied for the card, I should be notified in writing. And I never received a letter indicating that I am not eligible for the point bonus.

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