BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-15
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 customer service

Complaint:
I filed a dispute on XX/XX/XXXX with bank of America for a prior transaction that took place XX/XX/XXXX for {$2800.00}. Bank of America guaranteed me that they would resolve it within 90 days immediately when I filed the claim and again when I called to check the status over one month later. It has now been 93 days since filing the dispute and I still have not received a status update or resolution. I called to speak with them about it and they told me they will escalate the claim and that they do not have a policy for what happens if they fail to resolve within 90 days. I have been a loyal  customer since XXXX and this is the only claim I have ever filed, I am very disappointed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft

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 2018-10-12
Company: REGIONS FINANCIAL CORPORATION
State: TN
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:
For the last 12 months or so, I have noticed theres clearly fraud happening with my account, charge I dont recognize, purchases, you name it. I have filed multiple claims and changed cards multiple times and even changed my checking account information. 

I DO NOT give my card to anyone, but in restaurants and the ocasional online purchases. Im 100 % sure I have been victim or fraud and someone is literally picking me to steal. 

The drop that spilled the milk was that theres was a {$21.00} and change charge coming in every month for 6 months that even caused overdrafts a couple of times. I didnt noticed, Im a busy single mom of XXXX that works her XXXX off to put food on their table. So when I noticed what was going on I called the Regions Bank and explained, we cancelled the card and they advised they filed the dispute. But I also called the company charging me and told them to stop and to give me my money back. They said theyll give me a refund for all charges, but they stated that the card needed to be updated for that to happened, so I naively followed their steps and updated my card on their system so they coul refund the money as it turns out the very next day I get another charge, then 2 days later they refunded 2 amounts of {$29.00} each. I didnt know where they got that amount from, but after I saw I printed the statements and realized they charged that amount once too. 

So I decided to call the bank and explain just to find out they denied the claim, then I called the company again and conferenced them in to each other, just to hear them say they never cancelled anything ... How if asking you to refund me, you didnt close whatever I didnt know it was open? Thats why supposedly I got charged after updating my card on their system. The bank lady filed another claim and the dude finally closed whatever was open. 

They said that if it wasnt me, how my email was in there? I literally said, I dont know, how is your information fitting in? I dont know either! 

But Im just tired of being robbed! 

Please help.

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 2020-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : [ XX/XX/2019 ] I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Early Warning Services, LLC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
The company is Zelle and I ( XXXX XXXX ) was a victim of a rental scam. I went out to look at the site and called the Realtor to find out about if the property was up for rent. The realtor told me I had been defrauded and to get my money back. 
I immediately proceeded to contact XXXX XXXX and report the incident. XXXX XXXX went and argued with Zelle about their red exclamation point regarding unregistered users and that funds would be returned to the user in 10 days. The 10 days came and went and the funds were never deposited. 
Zelle outsources customer service so that was useless to try and accomplish anything. 
These are the dates of the transactions via the Bank account XX/XX/2021 XXXX XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
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: Information belongs to someone else

Complaint:
XXXX XXXX  AND XXXX ARE NOT MY ACCOUNTS. REMOVE ME AS AUTHORIZED USER IMMEDIATELY. 

XXXX IS THE OWNER OF THESE ACCOUNTS. THE LAST 4 OF HIS SOCIAL IS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX  and Transunion should not be reporting that I am ( 30 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
I have been in the process of closing my lease buyout with XXXX XXXX. I have paid all my lease payments on time, including the final check payment of {$10000.00} for the lease buyout. I received confirmation by phone that the check was received. They called asking for documentation about the lien agreement, and I submitted it to them on the Support Center. It has been weeks and they have not closed my account. It is showing I am {$500.00} past due on my account, which is incorrect because my lease ended on XX/XX/29 and they still show I need to pay. I have called at least XXXX times to have this resolved and my account is still open. As a result, they have put derogatory marks no my XXXX XXXX which has made me lost almost XXXX points! I do not know what to do about this and am pretty upset because it has affected my XXXX XXXX that I have worked so hard to keep above XXXX. They said they would close my account and request the derogatory marks be taken off but it has yet to happen!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My account is open, yet you report it as closed. You have stated, falsely, that it is XXXX XXXX, and Experian, who are to blame. You've told me that they only update my information every XXXX, XXXX, or XXXX days, which is a lie. They've contacted you with disputes, which you responded to, with fraudulent information. You lied and said, yes, the account is closed.

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 2021-09-21
Company: AmeriCollect
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im issuing this complaint due to a violation of my HIPAA rights. I do not have a debt with this company. Ive repeatedly requested debt validation from this company. I will forward my last letter sent to Americollect via certified mail, where I requested : 1. Proof of Americollect right to own or collect this debt. 2. Balance owed including all fees, interest, and penalties. 3. Contract bearing my PERSONAL SIGNATURE. You will notice that Americollect sent a response that failed to address the three requirements federal law states must be provided to validate and authorize ALL CREDIT DEBT! Unfortunately Americollect has failed to provide me with ANY of the information I requested and is REQUIRED by law to provide. By law Im utilizing the Estoppel by Silence defense in that Americollect has chosen to remain silent by not providing information federal law states Must be provided in order to validate ALL CREDIT DEBT! The ONLY applicable remedy is for this debt to be IMMEDIATELY removed from my credit report. Americollect is unauthorized to own, collect, or report this or ANY DEBT concerning XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My account is open, yet you report it as closed. You have stated, falsely, that it is XXXX, Equifax, and XXXX, who are to blame. You've told me that they only update my information every XXXX, XXXX, or XXXX days, which is a lie. They've contacted you with disputes, which you responded to, with fraudulent information. You lied and said, yes, the account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My account is open, yet you report it as closed. You have stated, falsely, that it is Transunion, XXXX  and XXXX, who are to blame. You've told me that they only update my information every XXXX, XXXX, or 90 days, which is a lie. They've contacted you with disputes, which you responded to, with fraudulent information. You lied and said, yes, the account is closed.

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 2021-04-23
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been over 30 days and I haven't received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
( AR RESOURCES INC ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) has been sending me collection notices in the amount of ( {$86.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Check dated XX/XX/XXXX was cashed on XX/XX/XXXX, and NSF Fee assessed XX/XX/XXXX. Check was dated XX/XX/XXXX in anticipation of direct deposit on that date, but issued as a courtesy to a service provider who is on site only once per week. Contacted bank today XX/XX/XXXX to secure explanation. Was informed that a check may be cashed when presented, no matter the date. Was told, " that date is only for your records ; it is meaningless to the bank. '' When I asked why I had been unable to cash a similarly post-dated payroll check in the past at their bank, I was informed that " the law is different for personal checks than it is for business checks. '' My inability to cash a post-dated check in the past was the basis for me to present the check to my service provider in advance of the actual date on the check. Now I feel my bank is not dealing with me equitably, or perhaps even legally, because their response does not seem to conform to the information I found on Consumerfinance.gov. When I asked them to waive the fee under the circumstances, they refused, but agreed to reimburse half.

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 2018-05-23
Company: MARINER FINANCE, LLC
State: CO
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:
Mariner Finance received the final payment on my account on XX/XX/XXXX ( this was a bank draft sent directly from my Credit Union on XX/XX/XXXX ). That billing cycle completed on XX/XX/XXXX. On XX/XX/XXXX, I received a check from Mariner Finance in the amount of {$12.00} as over-payment on my account. They still have not updated my credit report to show that the account is paid in full as of today, XX/XX/XXXX. I called the local branch in Maryland ( XXXX ) where the account originated, I spoke with XXXX, and was told there was nothing they could do to help me. XXXX also said she did not know the phone number to call at their headquarters and I would just have to wait for them to update my account. The number is on the Mariner Finance homepage ; it's not rocket science. I called the main headquarters ( XXXX ) and had to leave a message, but did not receive a call back. I have disputed this information with all three credit bureaus and none have updated my account information. All three say the lender has verified I still have a balance of {$2600.00} and that the last payment made was in XX/XX/XXXX. This is completely inaccurate and frustrating considering I never made a late payment on that account. If I was behind on even one payment the phone calls and letters from the lender would have been relentless, but now it's okay for the lender to take their time to update my records and tell me I can't even expect a specific date of resolution. I am in the process of applying for a home equity loan and need this information updated immediately. Unfortunately, Mariner Finance only wants money from their customers and will do nothing to help when the loan is repaid and the credit report should be updated.

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 2021-09-21
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : ( Original Creditor : Medical ) XXXX - Balance : {$25.00} ( Original Creditor : Medical ) XXXX - Balance : {$25.00} ( Original Creditor : Medical ) XXXX - Balance : {$25.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Early Warning Services, LLC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I buy tools on XXXX XXXX the guys ask me to pay him through zelle. I do. {$170.00} on XX/XX/XXXX. XX/XX/XXXX $ XXXX the shipping fee {$60.00}. I do then a clearance fee {$87.00} then another clearance fee {$87.00} because the guy asking for it said he reached his limit on the email address he gave me to send his money. So he said after work he would send the money refund it back. And the seller said he would refund {$60.00} I accidentally send him extra. Also he wont give me the full tracking number for the package. He paints out the middle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: POPULAR BANK
State: TN
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I took out a 5-Year CD for {$250000.00} on XX/XX/XXXX with E-Loan ( now XXXX XXXX ) XXXX  located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX. I was able to get online and see my account for three months then they locked me out. I called a number of times trying to get back into my account and got no help. On XX/XX/XXXX I was told that the new name was Popular Direct and that my account had been closed in XX/XX/XXXX and that they could not tell me where my money was or who had closed my account. I tried the email address I was given and it says " FRAUD ALERT ''. They have also changed their telephone number. I did receive my Tax form XXXX for year XX/XX/XXXX but not for years XX/XX/XXXX or XX/XX/XXXX. I have several screen shots where I set up my account. I am XXXX years old and this is my retirement money and I am getting very nervous.

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 2019-03-18
Company: AMERICAN EXPRESS COMPANY
State: IL
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:
American Express is refusing to return me my XXXX XXXX From XXXX  and they are holding my money and will not return it to me either by my BLUEBIRD Account or mail, and they keep hanging up on me and putting me on long holds

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I have utilized my PayPal account along with it's linked PayPal Cash Card which is issued by MasterCard for more than a decade to be able to track and handle certain types of purchases independently from my main checking account debit card ( through XXXX ). 

On XX/XX/XXXX of 2020, my PayPal Debit Card was charged {$15.00} from XXXX for a XXXX subscription on as it is on a monthly basis. A feature within PayPal called Automatic Top Up handles making sure that sufficient funds are available and transfers the needed funds from your selected checking account ( with a debit card as a backup funding source ). This is handled by putting a hold on the debit card for the funds, then initiating an ACH transfer from the bank, and releasing the hold once the funds are received. During this transaction PayPal 's systems failed ( per their own admission on recorded telephone calls ) and thus the balance of the account went into the negative, putting my account into " collections '' mode, disabling the debit card, and because regular transactions take " 3-5 business days '' to credit -- manually applying the {$15.00} to get the account balance to {$0.00} will not even credit until XX/XX/2020 causing the account to be locked and unusable. 

Attempting to contact customer service automatically transfers my call into their collections department. However, they have no ability to address the situation, and since the account is already ( slowly ) being brought back to a {$0.00} balance stated that the " real  customer service department is not available by phone, and only available through chat paypal.com/help '' and typing 'Agent ' to the bot Attempting to reach someone through that method has been fruitless as it simply states that it will send the conversation ( I had with the bot ) to someone and they will get back to me. This is not acceptable customer service when it comes to my money! Especially after 20 years as a loyal customer.

Company response to consumer: Closed with explanation