BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I deposited a {$10000.00} Cashiers Check, in person, into my savings account at bank of America. The deposit receipt printed at the time stated that the funds would be available on the next business day. 

On the next business day, a notation in my account XXXX on my phone app ) said that NO funds would be available until XX/XX/XXXX. 
If I had known this at the time of deposit, I could have made other arrangements, eg, made a cash deposit. 

After calling the bank on XX/XX/XXXX or XX/XX/XXXX, on XX/XX/XXXX I went in person to resolve the problem. The representative at the bank said she had no authority to release any of the funds and had no reason for the hold. She called an internal number at bank of America, was put on hold while I waited, and then was told that the bank was no longer accepting calls on that line. The representative told me to return on Monday XX/XX/XXXX. 

Over that weekend, due to my inability to access my bank of America deposit, four items were bounced on another bank of America account. On Monday XX/XX/XXXX, I insisted in person that B of A resolve the issue and let me know why the unreasonably long hold was applied on my Cashiers Check deposit. 

The representative again called an internal number and was eventually able to get through to someone who refused to give any reason for the long hold, but who released the funds to me after my insistence. 

This caused me distress and wasted hours of my time. The hold appears to be in violation of FDIC regulations, as this account is seasoned. Per my reading of the regulations, {$5000.00} of the {$10000.00} deposit should have been available after the check cleared that evening. 

If Bank of America has violated the regulations regarding this deposit, what are the consequences it faces? Can I get compensated for my distress and hours of my time spent to resolve this?

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 2020-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
At the beginning of the COVID-19 Pandemic I spoke to a representative on XXXX XXXX XXXX about my employment status being changed due to the government shut down. The associate ensured me that I would not be charged any late fee nor would my credit reporting be changed due to the pandemic. I have continued to pay every dime I have to them to make sure my car payment stays current and to my surprise when I checked my credit I was reported late for the month of XXXX for failure to pay late fees. I understand that and normal circumstances this would be an accurate reporting but due to the fact that I was specifically told my an associate of that company that I would not be charge late fees and the late fees ( accumulating around {$230.00} for multiple months ) is what reported to my credit report. I am asking that XXXX XXXX XXXX be true to their world in helping their customers out during the tough time and reverse any late fees i have been charged and most importantly fixing the reporting on my credit profile immediatley.

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 2019-01-07
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
wells fargo tells me to work with foreclosure which i did with XXXX XXXX who was Helpfull but WELLS FARGO IS THE WORST MORTAGE CO from what i hear by person and XXXX etc, THANKS FOR ALL YOUR HELP XXXX Bless 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 2020-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2019-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/2018, I called Capital One to get the payoff on my GM Credit card ending in XXXX. 
I pay via their on-line system same day, total {$5500.00}. 
Approximately 30 days later, I received a bill for {$91.00}.?. I called Capital One twice and ask to speak with a manager because they said it was an interest charge and it was not included in the payoff they provided to me. They would not waive even though I was quoted a different amount for payoff. I was advised interest would not be charged on interest, but that isnt correct either. New bill reflects XXXX. I filed a claim with Attorney General and they said I need to file on this website.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-07
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Due to unemployment, I defaulted on a personal loan in the amount of {$14000.00}, extended to me by XXXX, in XX/XX/XXXX. The predatory ( unbeknownst to me at the time ) interest rate charged on the loan was 29.99 %. I made timely payments, through, and including XX/XX/XXXX, totaling {$7000.00} ( $ XXXX-Principal + $ XXXX-Interest, applying their predatory interest rate ). By these calculations, the amount outstanding is {$11000.00}. If complying with the maximum interest rate allowable via VA Code ( 12 % ), I believe my indebtedness to XXXX is {$9100.00}. Either way, the collection agency and/or attorney now handling the matter erroneously indicate that I owe {$13000.00}. 

I am now unclear as to whom the debt is owed or to whom I should respond to, as I have received correspondence from : XXXX XXXX XXXX, XXXX, dated : XX/XX/XXXX ( Notice of Intent to File Civil Suit ), XXXX XXXX ( two separate pieces of correspondence ), XXXX ; and Resurgent Capital Services d/b/a or on behalf of LVNV Funding LLC, dated : XX/XX/XXXX ( two separate pieces of correspondence ), and XX/XX/XXXX. 

None of the above-referenced correspondence directly address my dispute, sent to XXXX XXXX XXXX, XXXX, via certified mail, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a predatory lender. I own multiple properties with mortgages and this is the only one that has charged incessant late fees or that I have ever had such a difficult time submitting payments to. The website and customer service reps over the phone will tell you that there are tech errors every time you try to do ACH payments. I have been trying to set up ACH since 2019 to best avoid any late payments. Of course, not having ACH increases the likelihood that individuals will miss payments if they have to remember to do them manually, especially during the stressful time of COVID. I also reached out during COVID to request payment assistance or forbearance and no one answered the phone - I was on hold indefinitely. Also no reply via secure email. My payment went up in XXXX due to an escrow shortage and because I was on bill pay instead of ACH, the payment was {$100.00} short. I paid all but the {$100.00} difference well ahead of the due date. No one contacted me to notify me of the shortage. I was then charged a {$71.00} late fee on a {$100.00} shortage which I corrected immediately! I received no notice or contact saying I was short the {$100.00} until after the late fee was already charged. No one I talk to will waive the fee. In fact one representative said it was from a former lender ( although they are the first and only lender on this property ). Each rep gave me a different story or said they would have a manager call me back. No word yet from a manager. All the reps are incompetent and unable to find resolution. They will not let me speak to a supervisor. These are predatory fees being charged and individuals are being taken advantage of. COVID-19 hardships is not a time to charge clients {$71.00} late fees on {$100.00} shortages due to sudden escrow increases. I will continue to escalate until this fee is waived. I am not paying anymore predatory late fees to this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
My prepaid XXXX ( managed by US Bank ) card was part of a data theft on XX/XX/XXXX and was turned off. They sent a replacement to an address I no longer live at and I had to wait 10 days until I could get a new replacement. Ever since, no matter what address I give them the card does not show up. I've asked them to send it via a trackable method, but they want to charge me for that. I feel like they are illegally withholding the funds on 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 non-monetary relief
Consumer complaint received 2020-06-26
Company: EQUIFAX, 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 SEVERAL INQUIRES ON MY CREDIT FILE THAT I DID NOT DO ) someone use my identity and summited fraudulent applications in my name also open several fraudulent accounts this is my second time disputing this information the reps have told me several times that they did not receive my information I have sent it certified mail now I am making a complaint I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX   CRAS. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2020 my bill for XXXX dollars did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: Netspend Corporation
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Netspend closed all accounts, including but not limited to eight bank cards, leaving access to absolutely no funds. After numerous unauthorized transactions occurred, including but not limited to hotel charges, the bank decided to close the accounts, no notice was given and the accounts were closed by their risk management team. There's over a XXXX dollars in unauthorized/disputed transactions, but they advised there's only {$30.00} in the accounts. Netspend is trying to avoid taking a loss on the transactions by terminating the accounts and leaving the customer stranded and without money. Customer believes this situation has staged and he's possibly being framed or setup.

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 2021-04-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of Identity theft my personal information was stolen and account where open by a unknown I Identity theft. most of the account where cleared up but now this account in question was sold to a collection agency. I would this account to be remove as it is the same account that was removed before. the collection agency is XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2019-01-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
They have put a collection on my credit file. The debt they say that I owe has been paid. The company asked me to sent them the copies of the money orders that I paid them with. I did send the money orders. I have repeatly spoke to them ; my sister as well spoke to them and told them that this bill was paid. They asked my sister to even fax then the money order receipts ; my sister did faxed. I do not owne them and they are trying to get me to pay double.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-07
Company: Bread Financial Holdings, Inc.
State: IA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX handles XXXX XXXX XXXX Credit Card holders accounts. XXXX XXXX has charged me several Late Payments ( {$37.00} ) in the short time I've had a XXXX XXXX XXXX Credit Card. When I receive a XXXX XXXX XXXX statement, it only allows check by mail. When I call XXXX to make a payment, their automated system only only allows check by phone. If I'm late for a payment and call XXXX, I'm transferred to a XXXX XXXX live person and I'm allowed to use my MasterCard/Debit Card to make a payment. I found out from a " live person '' in XXXX that I could've used my MasterCard/Debit Card for my payments every month, all I needed to do was talk to a " live person ''. It seems like this information was withheld from me. I've also tried to make a payment using my XXXX XXXX XXXX Account ( XXXX ) to make a payment to my XXXX XXXX XXXX Account and it was rejected by XXXX XXXX. Although my XXXX XXXX XXXX had ( has ) a routing number and checking account number attached to it and the money for that payment was in that account. I was not immediately aware that XXXX XXXX   rejected the payment from my XXXX account causing another late Payment Fee of {$37.00}. These problems have XXXX  my XXXX XXXX XXXX Credit Card Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX i checked my XXXX score and noticed two hard inquirys i did not authorize nor did i try to open accounts. One is from XXXX XXXX XXXX in XXXX ma and the other is chase card. XXXX XXXX XXXX pulled my credit on XX/XX/2017. I have contacted both the owner and experian to get this removed. It has been a back and forth thing. When i asked the dealership to prove i authorized him to pull my credit he stated he does not keep records and applications that far back. Experian said i could not file a hard inquiry dispute with them and that the owner would have to send a letter to get it removed. I then called the owner back and he said he would not give a letter or talk to experian on my behalf. I then wrote a letter to the experian to investigate this hard inquiry. I called experian back and they said to contact the ftc and they can investigate because they arent authorized to investigate hard inquirys. I tried to call chase card but i could not get in contact. They pulled my credit on XX/XX/2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Sent Certified Letter and no response from Portfolio Recovery. I have disputed this thru all three credit bureaus and they report the information is accurate. I have demanded that they send me documentation bearing my signature with a contract with Portfolio Recovery on two accounts they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Experian Information Solutions 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 was checking my credit today XX/XX/20 because I want to apply for an auto loan in the next few months but when I was looking through my credit report, I saw some accounts and inquiries that are not mine. The accounts are from companies that I have never opened any account with nor am I affiliated to those companies in any way. I did not allow anyone to open these accounts in my name and I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payments towards any of these accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts because it's not fair that I'm being help responsible for accounts that I didn't even 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 2019-01-07
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Equifax previously deleted and removed the following fraudulent accounts from my credit report, but the fraudulent accounts has been put back on my Equifax credit report : XXXX XXXX XXXX, XX/XX/XXXX, unsecured loan, {$4800.00}, XXXX XXXX XXXX, XX/XX/XXXX, auto loan, {$20000.00}, XXXX XXXX XXXX MasterCard, XX/XX/XXXX, {$1700.00}, XXXX XXXX XXXX  XXXX XXXX XXXX Visa, XX/XX/XXXX, {$4200.00} and XXXX XXXX, XX/XX/XXXX, {$14000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-16
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
MY NORDSTROM/TD BANK CREDIT CARD IS REPORTING THE INCORRECT BALANCE. THE BALANCE IS {$0.00}.

Company response to consumer: Closed with explanation