BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
We were trying to access our B of A account to see statements, but there was a message saying " your account is locked up, do not attempt turn off the screen... ( there was a repeated message to call ( XXXX ) XXXX to unlock the computer. When we called the number, a person ( name : XXXX XXXX XXXX said he can help us with the problem. He informed us that some people are trying to hack our bank account from XXXX, XXXX and XXXX. But the person appeared to be from XXXX. He was able to get our credit card number. Later, he asked us to go to XXXX and as soon as we get to the parking lot he will tell us what to do. At the XXXX parking lot he told us to buy a gift card. This is when we suspected this person is a scammer. 
We then proceeded to the B of A Branch in our area and told them the incident. The bank cancelled our credit card and debit card and will send us another on.

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 2019-08-10
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After thoroughly looking over a copy of my credit report by Equifax. I noticed that there was a few inaccurate addresses that they are reporting on my credit report. I faxed and mailed to them a letter with my concern with the inaccurate addresses and instead of them removing them they send me a letter stating i needed to provide proof of my identity in which I did that as well and then they send me the next letter stating they were unable to read what I send them. This is causing severe damage to my credit report by them not reporting accurate updated information on my credit report. In this complaint I am attaching another copy of my letter with the inaccurate addresses that needs to be removed which are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Problem with rewards from credit card

Complaint:
My Merrill+ by Merrill Lynch ( Bank of America Corp ) credit card account was closed without my knowledge and without any prior warning, on XX/XX/20, by Bank of America ( BoA ). 

I called BoA on XX/XX/20 and inquired about the points balance of approximately XXXX points that I had on said card. The rep I spoke to said despite the card being closed, I still had that useable points balance that I could cash out at that time if I so desired. I declined and explained that Merrill+ points in the amount of XXXX could be used for a flight ticket worth {$500.00}, and that if I exchange my points for cash, they'd only be worth {$260.00}. She assured me the points would remain unchanged until I used them. 

I also complained that the card had been closed without any advanced notice ( which would have prompted me to use the points for fear of losing them ). The rep said BoA usually sends out a letter notifying of pending closure. I did not and have not received any letter and the rep was unable to provide any confirmation as to whether BoA followed their " usual '' policy of a letter. 


On XX/XX/20 I was ready to use my points for a flight and spoke with a Rep " XXXX '' who said any points I had would have been lost upon account closure. She escalated the issue through their process. On XX/XX/20 I received a letter from BoA stating that their final position was that I would not have access to my points.

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 2020-12-07
Company: LoanCare, LLC
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:
Below is an e-mail I sent to on XX/XX/2019 to loan care after they finally provided me with an e-mail. I attached supporting documents to support my case. The issue was never resolved. Calling the company proved futile. Due to a job relocation, I bought a new home with a much higher APR due to my affected credit score. This is affecting how a purchase moving forward. 

Regarding loan number : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA XXXX XXXX Loan care tarnished my credit score my sending an inaccurate account to XXXX stating I did not pay three months. PLEASE, Im begging at this time that this be removed. I went from a XXXX credit score to XXXX because of Loancare, this has affect the purchase of a new home, caused months of emotional anguish, humiliation, frustration and anger. 
PLEASE, after many many attempts to get this correct and speaking to various customer service reps who all have told me different things and given me all different information, I finally received an e-mail to direct this to.

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 2023-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I set up an online bill pay thru my checking account with Capital One to a vendor. The money was withdrawn from my account on XX/XX/XXXX, mailed to vendor and cashed by vendor on XX/XX/XXXX. Capital One uses a clearinghouse account for online bill pay with XXXX XXXX XXXXXXXX. Check was then returned to vendor as a bounced check on XX/XX/XXXX. Vendor then wanted repayment from me which I supplied. On XX/XX/XXXX I spoke with XXXX and claim # XXXX was established. XXXX I spoke with XXXX with no resolution. On XX/XX/XXXX I spoke with XXXX who said the check was issued and cashed properly. They denied any issue with a bounced check. On XXXX I spoke with XXXX who reiterated same thing without acknowledging the check bounced. I finally sent an email to XXXX XXXX XXXX of Capital One ( XXXX ). I received a call from an assistant to XXXX XXXX who identified himself as XXXX and his phone number is XXXX code XXXX. He finally explained to me the reason for the bounce to the vendor is that the vendor cashed the check twice. I asked for any proof of this and he was unable to provide. I spoke with the vendor and they do not show any attempt at depositing the check twice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-26
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
Venmo has suspended my account and I have a money balance there that I can not move to my bank account neither withdraw it. I have been emailing and calling and the only answer I get is that I have to wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern: I had my mortgage with XXXX  most recently, XXXX  transfer account to them, well XXXX  filed bankruptcy and all the accounts went to Loan Care (NewRez) around XX/XX/2019.  When I called them to setup account, get info on them, the recording states it a collection agency.  When I was able to speak to a rep, she explained that we (all previous XXXX  accounts) were not in collection its just was transferred to them for us to submit payments. That all pymts would be handle same, meaning (and I asked) that we have until the 16 of the month to pay with out late fees, Thats all explained. To my surprise & I am sure to other ex-XXXX  payees they (Loan Care) failed to say they charge processing fees to submit pymts. That to avoid $XXXX  fee to pay on or before the 4th of the month, if past the 4th, then no matter how you submit pymt they start charging, that is something we never had to do if we actually with a Bank. I get if I call, charge me a fee like any other financial services, but I pay on line, I am not in collection to be penalized with this fee, especially when we did not have any say why our accounts were transferred to them & not another bank. Can you imagine all the accounts transferred paying for 30 yrs @ $XXXX  or more a month, what sweet piggy bank for them??? The reason I cannot pay before the 4th is that I am the only income in my home, I need to pay checks to be able to cover mortgage & not loose our home.  I am asking you please help us all not be charged those convenience fees we have no fault or remove us to a reliable bank.  Not a collection agency, Please!!!
The company again NewRez/Loan Care//Loan# XXXXXXXX//they call it a one time draft fee assessed, but this is charges every month, so its not  one time. Not fair again we get penalized to pay these fees. Our accounts has to be handle like a just transferred & not a collection, we are not past due.  I reported them to XXXX, but they have yet to care to respond.  They dont care.  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 2023-09-26
Company: General Motors Financial Company, Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to GM FINANCIAL XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or GM FINANCIALs customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: SUNTRUST BANKS, INC.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Made a payment of {$500.00} through XXXX to an online sneaker store called XXXX XXXX XXXX around XX/XX/2018. Never received the product and found out it was a scam after several non responses via email and phone calls. After several attempts to get a refund from my bank, I received a letter stating that I made the payment and the bank wouldn't refund my money.

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 2020-12-07
Company: Experian Information Solutions 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 {$3700.00}, {$7800.00}, {$5000.00}, {$0.00}, {$1000.00}, {$13000.00}, {$7800.00}, {$6000.00}, {$7700.00}, {$1600.00}, {$6900.00}.

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 ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- AUTO ACCOUNTS 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

10. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -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 2023-09-25
Company: The CMI Group, Inc.
State: KY
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted the company directly to dispute the debt they in turn sold the debt to a collection agency. I have disputed this debt 3 times already once was successful last year the two this year were not. I have not had service with the company since XXXX yet the debt is supposedly from last year at my previous address. I have had new service with a different company since XXXX. They refuse to remove the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX I opened an account with Venmo, then I decided to get the Venmo debit card after that my troubles began that night they sent me 4 emails requesting a physical address, well I call them on XX/XX/XXXX talked to XXXX XXXX and explained my living situation situation and that I wasn't using credit cards any more and I would use there card instead of my personal debit card. Then on the XXXX? I received an email indicating they want a government issued id with my name on it fraud and scam flags I was thinking on the XXXX Venmo was concerned about my address then on the XXXX they were more concerned with my name, I have ask them 7 times to close the account, they refuse even after filling a XXXX XXXXXXXX XXXX report on Venmo screenshots of emails are attached, then on the 8 the they froze the account email attached for that stating that there appears to be activity on the account that was against there policies well I haven't even used the account and for some secret reason no one wants to tell the reason instead they insist on my government issued id NO NO AND MORE NOS I keep telling, they created a situation by freezing the account to have an excuse to request further identification which they have no right to ask for, all Venmo has to do is permanently close the account that's it, this continued absolutely abuse and horrific treatment by these people insisting on my id is not necessary they have no reason to want my I'd.they want my id to unfreeze my account so I can close it. Silly to me! Then I tried to get back into the the next day it was frozen, restricting my access to deleting my card off the account, to get my debit card off the account so I had to go to my financial institution and close that card immediately I knew I was being scammed, and I had been defrauded. As of XXXX on XX/XX/2023 the account is not close it is still open. After reporting Venmo to the XXXX XXXX XXXX Venmo still hasn't closed the account that why I have come to you for help thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18
Company: BAM Management US Holdings Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Over the course of three {$5000.00} transactions, totaling {$15000.00} to Binance.us for the purpose of transferring the USD to XXXX and to transfer it off the Binance.us exchange. After purchasing the XXXX and trying to move the money off the exchange, I was told a 10 day hold would be be necessary first for safety reasons. After sixteen ( 16 ) calendar days of waiting, I decided to sell the XXXX and move my USD back off Binance.us and into my XXXX XXXX XXXXXXXX account ; the same account the money came in through and that had been linked to my Binance.us account the whole time. My Binance.us account was also verified for the whole time. I had previously sent them a copy of my driver 's license and all relevant documentation to be fully verified, specifically to avoid any problems like this one. After selling the XXXX and attempting to move it back to my XXXX account, I was notified by a message on their website that my account had been disabled as a " risk control ''. After multiple days and multiple e-mails to Binance.us, I finally received a response from them that I would have to agains send a photo of my state issued driver 's license and a photo of myself holding a sign requesting my Binance.us account to be reinstated. I did that promptly and still have not had my account reinstated so I can withdrawal my funds back to my bank account. This entire process started on XX/XX/XXXX and is very quickly approaching a full thirty one ( 31 ) days I have no been able to move my money off Binance.us in any manner. My account is fully protected including 2FA and despite Binance.us claiming there has been suspicious activity on my account, I have never received an SMS on my phone about attempted transfers or anything of the like except when I myself was trying to do so. I have never used a VPN or anything that should appear to them as suspicious activity and it is my opinion that their claims of suspicious activity are either them dragging their feet yet again or potentially something malicious. I have contacted the SEC about the issue as well and will be contacting the SEC as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: CL Holdings LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received mail claiming to be from XXXX XXXX. They gave me three options to pay them {$700.00} or face the grave consequence. They put XX/XX/2022 as deadline. I suspect retaliation and/or persecution by organized criminals of the past, present and future who kidnapped my rights very long ago by violating the RICO Act. Let justice take its course.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: Lending Club Corp
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
LENDING CLUB CORP Account XXXX and XXXX XXXX XXXX XXXX Account XXXX ARE UNVERIFIED. 

XXXX has not provided proof of physical verification of the original signed consumer contract its has on file pursuant to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). 
XXXX HAS NOT PROVIDED METHOD OF VERIFICATION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
What a horrible card and bank never care for me their customer I wanted to product change upgrade to a different card since I. Dont like this XXXX card I want a cash back card when I called they said no You need to apply they dont allow switch when other banks do they have a dept fir that to make you happy but they will never do anything fir me since they dont care to make me happy I want a contactless card that is not 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 2023-09-24
Company: CCS Financial Services, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions 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 have fraudulent accounts that were opened in my name as aresult of the data breach and I have reach settlement with the credit bureau regarding this. This has been reported to the XXXX on XXXX to XXXX XXXX XXXX badge # XXXX and filed under case # XXXX after I was made aware of these accounts by looking at my credit reports. This has been reported to all involved parties but the accounts are still reflecting on my credit file.

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