BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2021 Bank of America refunded my account of {$5000.00} without notifying me, for a fraud that had taken place XXXX month prior. I happened to check my account that day and found they refunded the money but immediately let another fraudulent transfer of {$3000.00} occur before I had even realized my money was even there. When I called Bank of America to let them know what happened again they hung up on me. On the next call they refused to help me and referred me to a bank branch to be verified by a teller for the XXXX time this month. Luckily I was able to pull out the remaining {$2000.00} at the bank. Bank of America has complete access to the account. They know the account and the routing number that the XXXX transferred the money to but they refused to do anything. Instead they say they filed a claim and it could take up to XXXX days for them to make a decision even though this was about the money they never told me that they gave me back to begin with, from the claim I had already waited XXXX day to complete. This is XXXX XXXX Bank of America 's fault and I am growing very weary of their games. I've been trying to get my money back since XX/XX/XXXX. It is now XX/XX/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 2019-07-08
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: Investigation took more than 30 days

Complaint:
I have disputed items with Equifax back on XX/XX/2019 and they have failed to respond. I have also sent them a notice that they failed to respond and they have ignore my request to dispute items that are reporting on my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01
Company: Santander Consumer USA Holdings Inc.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I obtained a loan through a finance company picked out by a dealership, not knowing the finance company had been sued by the FTC for the same thing that they did to me. Santander was sued for giving low-income people loans and then finding a way to cancel the loan for repossession. This complaint is attached to complaint number XXXX. I financed a vehicle through XXXX XXXX. The vehicle had transmission issues within 48 hours of me having the vehicle. After getting an attorney and making multiple complaints the dealership reversed the contract and gave Santander Consumer USA their money back. Santander reposed the vehicle, although they knew of the faulty vehicle. They did not inform me of the auction. They still three months later have not allowed me to obtain my personal belongings from the vehicle. I have tried calling, sending in letters and no one will speak with me. I never made a payment because I contacted both XXXX XXXX and Santander Consumer to let them know the transmission was slipping in this vehicle. I was not obligated to make a payment on a vehicle that was sold to me without informing me of the problems. After the vehicle was repossessed, I was not able to obtain my personal belongings, but furthermore Santander Consumer failed to give me notice of the auction-according to the FTC rules . I would like to see the certified letter that was mailed to me before I obtain legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
For 3yrs, i have notified the CRAs of fraudulent information on my credit. For 3yrs they just reverify ... everything ... so on XX/XX/18 i sent an internet to sue letter. They're response was ... ... they now report i owe over 1 million dollars in student debt! I really owe XXXX per my monthly statements. One of these student loans shows me 120days late from the day it opened ( while i was in school/ deferred ) My life has been affected in so many ways ... where i live, where i work, what i drive, where my kids vacation, my self esteem and my health. 
XXXX XXXX XXXX keeps moving my last activity date forward and checked my credit to file a lawsuit against me. 
Being rude and impossible to talk to. 
I have a recent XXXX collection but have been with XXXX  for 5yrs! I have a first XXXX credit card collection that was never mine ... 
No one will provide me evidence of where there getting these from. 
XXXX reported me 30 days late and i wasn't..i disputed it..so they updated those months to current then reported other months late! Causing me a credit score decrease of 60pts

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 2019-01-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2019. I sent {$200.00} through Chase Quick Pay with XXXX to purchase two tickets to a XXXX XXXX game from a seller on a XXXX XXXX XXXX tickets page. The seller never transferred the tickets through XXXX as they said they would and subsequently deleted their XXXX account. I immediately contacted Chase, who states they can not return the payment or stop it even though its still pending. They also stated they cant tell where exactly the money has gone in this instant transfer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-01
Company: Accurate Background
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My background include a list of criminal convictions I have never seen. I currently hold a government clearance through my previous employer which would have never happened if any of the convictions listed were true.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I'm again having some issues with Citizens. In XX/XX/XXXX, my account was charged with the amount of XXXX that was deducted for XXXX XXXX, and my escrow went negative. I just received a letter that I owe money for the escrow, and that the premium will go up starting from XX/XX/XXXX, which is completely wrong as I already paid for the full year of insurance. How is that possible? What was the XXXX charge for?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our loan was sold by Loancare to XXXX XXXX in XX/XX/2017. Loancare has continued to deduct payment by ACH from our checking account. Two of those payments were forwarded on to XXXX XXXX ( posted late ). Loancare is continuing to withdraw funds and are holding the funds. When contacted they said that they do not have the funds, and that they are not deducting and that we must have set up bill pay thru our bank ( which we do not have and copies from the bank reflect such ). I have called and e-mailed their payment dispute e-mail both mortgage companies and neither have responded. I have also contacted the bank to request that the funds be retracted and all future withdrawals prohibited, but the errors are persisting. 


IN ADDITION, Loancare has been not been posting previous payments in full. They are short by {$5.00} each month ( possibly since the loan opened ), and are not posting payments as of the first of every month, which enables them to collect additional interest. Payments are being deducted twice a month for mortgage payment due the following month. Why is it that they payment is coming out in the prior month, yet they do not post on the first, but post between the XXXX and XXXX of the month?

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 2018-01-25
Company: Big Picture Loans, LLC
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I signed a loan agreement ( loan # XXXX ) with Big Picture loans on XX/XX/XXXX for {$1500.00}. It stated the total amount that I needed to repay was {$7000.00}. I have been making {$590.00} monthly payments for 10 months totaling {$5900.00}. The week of XX/XX/XXXX I took out a {$1600.00} loan from my 401 ( k ) to payoff my account since they told me I was accruing daily interest charges. With the {$1600.00} payment I have paid them a total of {$7500.00}. On XX/XX/XXXX I was told that I owed an additional {$1100.00} ( a XX/XX/XXXX & XX/XX/XXXX payment of {$590.00} ). I contacted the Minnesota Department of Commerce who said Big Picture loans did not have a license in the state and that I should have my {$1600.00} returned. When I contacted XXXX XXXX XXXX on XX/XX/XXXX andXX/XX/XXXXXX/XX/XXXXI spoke with a supervisor. He gave me the run around and I have not heard back. I am only looking for a refund of the {$1600.00} to repay my 403 ( b ) account. Your help is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
ELAN XXXX XXXX, While reviewing my XXXX/XXXX/2019 Statement attached to this complaint, my new balance shows {$4200.00}. In the automated response it states that my balance is {$4200.00} and increase of {$30.00}. I called and spoke to a Supervisor, XXXX badge number XXXX. XXXX could not clarify why the difference in the two amounts. I reminded her that all fees must be disclosed to consumers by government mandate. I am requesting an explanation and why backdoor fees are being added without knowledge to consumers.

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 2018-01-25
Company: BB&T CORPORATION
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:
On XX/XX/XXXX, I visited XXXX XXXX XXXX to be added to my aunt 's checking account as an authorized user. I was told there was an account from BB & T that does not belong to me, instead belongs to my mother. My mother, XXXX XXXX, filed for bankruptcy Case # XXXX on XX/XX/XXXX and debt was discharged in XX/XX/XXXX. However for some reason, this is showing on my XXXX report. This is not my account and I was a minor..

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 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The company is reporting my account past due even though I have made my payments on time and I am on a hardship payment plan

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 2018-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes

Complaint:
I had fraud charges filed on 4 credit cards with Capital One credit card company. 
All of this problem started in XX/XX/XXXX I complained about charges on my cards and Capital One sent the information to their fraud Dept. The fraud department suggested that they change my card numbers and they sent me 4 new cards. When I got the new cards there was charges on the new cards that was not mine. I now have about 35 new cards that Capital One sent to me during this period of time with emblems on the card to go to Capital One.com/activate, which I would not do, because when I received the cards there were charges on the card that were not mine. I have not used any of these cards since XX/XX/XXXX. On one card Capital One owed me money and they sent me a check for that amount and at that time I requested Capital One to close all my accounts, which they did, as I assumed that this would be the only way to stop charges on the accounts and it did work. One time I asked Capital One how could people charge on my cards and they said XXXX XXXX would let them charge and Capital One said they had no control over XXXX XXXX, because Capital One had an agreement with XXXX XXXX and they were responsible. 

I have been trying to clear up this matter with Capital One since XXXX and they sent me letters saying I would not be responsible for the fraud charges and I would not have to pay for this problem, which they have honored up until now. They have on my credit reports that I was late in XX/XX/XXXX, which I did not know they were settled. When I found out I started making minimum payments on three account to keep these charges from showing up on my credit report. 

Capital One has said they are going to fix information on my credit reports, but it will take 60 to 90 days to have the information recorded in the reports. 

I have an application for a VA loan on a home that the Bank said unless I get this information cleared up they are going to have to cancel my loan and turn the application down for credit problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: BARCLAYS BANK DELAWARE
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an email about a credit card that I never applied for or received. I called the company twice and was just put on hold. It says I opened the account in XXXX of 2020 and the XXXX $ balance is a card fee.

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 2018-01-30
Company: SYNCHRONY FINANCIAL
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:
have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX California 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 2020-09-23
Company: Caliber Home Loans, Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to get a loan forbearance or loan modification for my loan but to no avail. Now I have been told that they have escalated my account to a foreclosure sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Two unauthorized charges for {$100.00} and {$99.00} at a XXXX gas station in California were made to my Discover card on XX/XX/2022. I have disputed these charges multiple times and Discover alleges that they are valid. I live in Florida and was in-state at the time and could not have made these charges, but they refuse to remove them from my account permanently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-08
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX adding on the complaint from previous dispute ftc and police report was sent have them remove the violation

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 2020-12-22
Company: EQUIFAX, 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:
The unverified XX/XX/XXXXXXXX XXXX XXXX # XXXX remain on my credit report in violation of Federal Law. I have never sign any contract with XX/XX/XXXX XXXX XXXX XX/XX/XXXX and you have not provided a copy of the original creditors documentation on file to verify that this information is mine and is correct. This company is involved in predatory behavior and still you continue to report inaccurate information affecting my ability to secure a mortgage to buy a property due to a low score causing a lot of emotional stress to my family and I. 
I demand the above account be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
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: Investigation took more than 30 days

Complaint:
XXXX XXXX and XXXX XXXX was disputed under the fcra with wrong social also sent the police report and the ftc violation they have failed to do anything about its been 45 days and counting which is against me Rights under the FCRA law

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
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 fraud alerts or security freezes

Complaint:
I put a credit freeze on my data at Experian on XX/XX/XXXX by telephone. Subsequently, I was sent three sets of documents, also called reports, by Experian with an identification number. The document advised me to save this identification number because I would need it to validate my identity with Experian should I need to temporarily lift the freeze on the credit report. Each report had the same identification number. The number contained 6 leading XXXX followed by 9 other digits. 

On XX/XX/XXXX and again on XX/XX/XXXX, I attempted numerous times to temporarily lift the credit freeze on my credit data. I was unsuccessful and encountered the following problems. 

The use of leading XXXX defeats the purpose of a unique ID number since the online form accepts any number of digits up to a maximum of 10 and there is no way to know how many to enter or whether on should enter any at all. 

Regardless of the number of leading XXXX, since I tried all possible combinations which the form would accept, including NO XXXX, the online form to temporarily lift the freeze would not accept this number. In each case I included the other 9 digits. 

I also tried the number I was given when initially creating the freeze over the phone but which had not worked during a previous temporary suspension of the freeze. This number was different from the one sent by mail on an official form. This one had no leading XXXX and contained 10 digits. This was also rejected. 

I then tried to establish my identity without a PIN using a series of questions. I answered each question correctly but Experian rejected this method of validation as well. Apparently the data they collect is often inaccurate and invalid and produces many false negatives. 

Finally, I tried to upload a PDF scan of the three documents they sent again using their online form, but their system was unable to upload this document. 

Experian does not provide telephone support to resolve problems like this. For a company with so much power over the financial lives of Americans to display this degree of incompetence with no way to quickly resolve issues is completely unacceptable. 

I need a valid identification number to use to temporarily lift the credit freeze on my credit report promptly from Experian. This number should contain no leading 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