BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I attempted to purchase tickets from someone via XXXX. They insisted we use XXXX  for the transfer of $XXXX. However, after sending them the cash via XXXX (connected to my Bank of America account), they sent me fake tickets. I contacted my bank in order to report the scam and they informed me that the only thing they can do is ask the "seller" to return the money. There is no fraud or scam protection for consumers, despite the service being offered and advertised by my bank. They said looking into the issue could take 45 days. While this is likely not the worst of these cases, it's frustrating to now read that this type of fraud happens via XXXX all the time. Consumers should be informed that they are not protected by their bank's endorsed services.Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/XXXXmy XXXX XXXX XXXX broke down on the interstate. I had the vehicle towed to Nissan of XXXX located at XXXX XXXX XXXX., XXXX, GA. After performing a diagnostic test on the car Nissan contacted me to say a Mass Air Flow sensor caused the problem. I was also advised the tire rod on the vehicle was bent. Nissan repaired the sensor and the tire rod. They then contacted me to say my transmission is bad in the vehicle due to the wrong fluid being in it. I have never had my transmission serviced on the vehicle. The only maintenance performed outside of Nissan was an oil change. Nissan of XXXX had conflicting stories from their technicians. One tech said the fluid was yellow in color while another said it was black. This raised concerns. So after they sent whatever samples off to a lab it was determined it was not the proper fluid. Well my concern is who added the fluid to the vehicle and why was it yellow for one tech then black for another. Where did they get these samples they sent off for testing? Was it the black sample or the yellow sample? Nissan 's Security Plus Warranty Department refused to honor my warranty and will not repair my transmission. My car has never had transmission service, their techs had conflicting stories and why was the transmission issue not diagnosed initially. I believe someone added a bad fluid to the vehicle at Nissan because the issue did not come up until after they had the car diagnosis done a second time. I am still paying Nissan Finance {$500.00} a month on this vehicle until XX/XX/XXXX. The warranty I purchased costs {$2100.00}. Now that I need the warranty they will not honor it. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
During XX/XX/2020, I applied for a loan through Speedycash.com and was approved for an amount of {$250.00}. I was offered two ways to receive this payment - through direct deposit or in-person at a Speedy Cash location. I chose direct deposit and waited to get my payment. After not receiving the funds and contacting them multiple times, I became worried and stopped any withdrawal from them through my bank account. I have contacted their claims department several times sending them bank statements as a proof of not receiving funds. Despite my efforts, they have harassed me every day since then demanding a repayment of {$300.00}. However, I was not given the service I was promised. Now they are threatening to send my account to collections. I have provided everything necessary as proof of not receiving funds and now need some extra help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is due to a hospital emergency room visit back in XX/XX/XXXX. The amount owed is {$650.00}. I 've had XXXX, which pays 100 % for all medical expenses since XX/XX/XXXX. XXXX informed me this was paid back in XX/XX/XXXX.
I 've contacted the original debtor, the collection agencies and my insurance company. My insurance company informed the collection agency this invoice was paid to the original debtor. They also contacted the original debtor to notify this had been paid, but the original debtor stated they can not do anything about this, since a collection agency owns the account.
However, my insurance company found out the collection agency has the wrong date of birth, so I keep getting billed for this paid services. I 've notified them of this error, so has my insurance company and the collection agency informed me, this debt would be removed from their system and my credit report.
They still have not updated their system and for over 4 years now, I am still be harassed by them to pay a bill, which has already been paid.
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: DISCOVER BANK
State: DC
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:
On XX/XX/2019, I mailed Discover Card a package comprising a copy of the letter from my mobile phone carrier, and a recent copy of my ID Theft Affidavit to support my claim of ID theft.  I sent the letter to both their credit reporting department and their office of consumer advocacy.  They have refused to accept the package at both locations. I have a photographic copy of the return receipt status attached to both letters. For some reason I cannot attach the copy or the letter.  This action is yet another in a long line of purposefully deceitful and shady actions perpetrated by Discover Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This XXXX XXXX XXXX account # XXXX has been settled and Paid. This account should be reported as " Closed '' XXXX and Experian incorrectly continue to report the account as " Open ''.

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 2019-02-21
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
i got 1099-int form for {$300.00} from citi for the year XXXX but i never had an account with them in XXXX. i had it in XXXX and i had already paid the tax on the {$300.00} interest for the tax year XXXX. i am shocked as to why citi sent me the form for XXXX. 

i called the citi banking number and the agent on the phone said to ignore it. i then argued that if i ignore, irs will come after me for not paying tax. he then asked for all my information and said the information does not match and suggested me to go to a bank location which is 100 miles from me instead of trying to help. he was reckless/careless/irresponsible/unprofessional.

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 2020-05-19
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX ; Experian and XXXX should not be reporting a collection/chargeoff or ( 180 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) I have been faithfully paying on this account every month for years to XXXX. I was not aware that this account was reporting derogatory information until I recently obtained a copy of my credit report. I was never notified by XXXX that this account had been sold to another lender. It is clear that the new company who purchased this student loan debt was not applying the payments I was making monthly to XXXX. I have attached a copy of my statements showing my timely monthly payments. Consequently, because my monthly payments were not being applied correctly, this has caused the derogatory reporting on my credit report. I have contacted XXXX along with the bureaus to remove the collection/chargeoff and lates however, I have not been successful. This false reporting is seriously harming my credit score and this line item needs to be removed from 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 2017-08-09
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Citimortgage sent a notice that they were reporting me for a delinquent payment to the credit reporting companies, although no payment was delinquent at the time of receiving the notice. Citimortgage is in the process of changing the loan servicer and sent me the notice as well as a request for two mortgage payments.
This is just harassment to threaten customers to obtain early mortgage payment before the servicer change. Citimortgage will hold all advance payments for the new servicer, but will collect interest on all such payments before turning them over.
My name is XXXX XXXX and my account # with Citimortgage is 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 2021-01-26
Company: EQUIFAX, INC.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2020-10-29
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed this account with Convergent Outsourcing and the validation they sent me, was not what I requested, and falls woefully short of the required documentation as required by the law. They have continued to autodial my cellphone despite being asked not to, and they didn't validate the debt properly! Help me please!

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 2020-08-26
Company: EQUIFAX, INC.
State: NY
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The accounts listed below aren't mine. I sent in multiple letters and haven't received any response about my complaints. I don't understand what is really happening? Please help U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX, XXXX, XXXX XXXX doesnt want to refund me they keep telling me to call my bank and chase denied my claimed without reviewing any of the attached i submitted which isn't fair from both parties, i don't have my item or my money very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Chase fraudulently withdrew funds from my XXXX  checking account during an ATM transaction knowing that the machine would not dispense the cash to me, and now I am having to fight both banks to get my money back. 

XX/XX/2020 at XXXX XXXX  A Chase ATM withdrew {$400.00} ( plus {$3.00} fee ) cash from my checking account at XXXX. 

{$400.00} for cash, which was not dispensed. 
{$3.00} was for the service of dispensing that cash. A service that was not performed. 

The receipt from the ATM says " We aren't able to give cash right now. Please call us at XXXX XXXX XXXX. '' It shows {$400.00} taken from my account. Proving the machine knew what had happened and took the money from my account anyway. This is not a technical error, glitch, or bug. The machine was programmed to perform these operations in this order for the benefit of the bank and not the consumer. 

XXXX XXXX  I called the number and the Chase representative said they couldn't verify the transaction and I needed to call XXXX. 

XXXX XXXX  I doubted that the money was actually taken from my account, so I tried a different ATM. The transaction was denied because " You've reached your transaction limit. '' This is when I checked my bank account and confirmed that the funds had been taken. 

XXXX I called XXXX and they said I should call Chase. When I said I had already done that, they offered to cancel my card and said I should call member services on Monday during working hours. I asked them to remove the transaction limit and they did not. They took my number to have a supervisor call me. No one called. 

I called Chase again. Chase said this was a known issue and that filing a fraud dispute was the process they expected ATM customers to follow. They did not apologize or do anything to return the stolen funds. 

Monday XX/XX/2020 XXXX XXXX  I visited my XXXX branch. XXXX told me I should call Chase. I told them I had. After explaining the situation and showing the receipts, they said they would put 'provisional ' funds back in my account within 3 days in the amount of {$400.00}. They would file a dispute with Chase and give Chase 45 to 90 days to conduct an investigation. 

No ATM should be programmed to draw funds without dispensing cash. The process to recover funds is deliberately difficult, wholly unnecessary, and only benefits the institution that wrongly took the money. 

This is not an isolated incident. The first person I talked to about it ( a neighbor ) said the same thing had happened to them with the same bank and ATM.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2020 we had two unauthorized transactions occur in our account. My wife 's debit card was hacked somewhere, but, we are not sure where. One transaction was for {$2200.00} that was pushed through XXXX. The other was for {$4500.00} to a vendor in Florida. We didn't notice the charges until Friday XX/XX/XXXX. By that point, XXXX had figured out that the transaction wasn't done by us and refunded the {$2200.00} to us on Thursday XX/XX/XXXX. We reported both activities to Bank of America on XX/XX/XXXX and a fraud claim was submitted at that point. The claim has now been denied twice by Bank of America. First we were told that we logged into our account on XX/XX/XXXX, but, didn't report it immediately. We obviously didn't see it until the next day and reported it immediately. We were then told that there wasn't an attempt to empty the account even though a total of {$6700.00} had been taken initially. The bank is still stating that this was an authorized transaction. We were able to get the info for the vendor and it's listed as an interior decoration business in FL ( We live in CA ). The phone number provided for the vendor doesn't receive calls and no one responds to the e-mail attempts at the address provided by Bank of America. If you google the phone number provided, FL escort services come up. We are basically being told that this was all authorized and we won't be getting the money back even though we are insisting that we didn't do this. It appears to be a clear violation of their posted fraud protection policy.

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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19
Company: CITIBANK, N.A.
State: WA
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 was given an offer by Home Depot on-line - if I applied for a credit card I would receive a {$25.00} credit. The item I was purchasing would be {$25.00} less. It showed me the amount it would cost me. The offer is still up on the computer at this time at Home Depot. 

I had trouble getting my personal phone verified to have the application accepted and had to speak with a CSR. I have a copy of a " chat '' conversation with the CSR dated  XX/XX/20. I specifically asked when I would reieve the {$25.00} credit. In the " chat '' I was told it would show up on my FIRST statement!!!! 

I have recieved my first statement and it is not included. I have called the credit card company and was told on XX/XX/20 the problem was resolved and I would find the {$25.00} credit on my FIRST statement dated in XXXX. 

On XX/XX/20 I received my FIRST statement dated XX/XX/20 with a payment due XX/XX/20. I did not have the {$25.00} credit. 

I have emailed the Credit Card company and received an email this morning that shows my balance WITHOUT the {$25.00} credit applied. I called the credit card company XXXX this morning. I was told that I might not receive the {$25.00} credit for one to two billing cycles. I was also told that if I did not pay the full amount owed on my  statement I WOULD ( not could ) be charged interest on the {$25.00} amount that I should have been credited. They told me I MUST pay the full amount to not have any interest charged. 

Can you imagine how many people applied for this credit card and are being charged interest on an amount they never should have owed? The offer is right now on the Home Depot site. The offer is for {$25.00}, {$50.00} or a {$100.00}. For each one of these amounts the credit card is expecting to charge interest on the amount of the offer for one or two billing cycles. 

This is a copy of my chat - I have taken away full names and used only initials. 

XXXX : The {$25.00} promotion credit will be applied on your first statement. 
XXXX : It is showing that I owe {$94.00} - this is the wrong amount! When I get my statement it will then show the {$25.00} credit? Is this what you are telling me? 
XXXX : Are you still there? 
XXXX : Yes, I am still here. It takes a moment for me to see your messages. 
XXXX : That is correct. If your total is {$94.00}, the {$25.00} will be applied on your first statement. That would make the price {$69.00} on your first statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
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:
In accordance with the Fair Credit Reporting act XXXX XXXX ACCOUNT # XXXX has violated my rights The credit bureaus received letters asking them to verify the debt on my report. They answered back stating that everything is verified correctly. My credit report is still showing inaccuracies 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation