BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
At the onset of the COVID-19 crisis, I experienced financial hardship. As a result, I received a credit for {$350.00} worth of overdraft fees assessed to my checking account. On XX/XX/20, I noticed that the credit issued to me of {$350.00} was reversed. I called customer service and was transferred to the claims department. I was told the {$350.00} credit was temporary because my hardship was due to a delay in a stimulus check, which was inaccurate. I explained the situation and stated that the credit was never communicated to me as being temporary. As a result of this reversal, I also suffered a {$70.00} fee for insufficient funds. I explained to the representative that the entire amount of fees should be reversed but she stated that BOA will not reverse those fees. I asked her, repeatedly, to put me on hold and speak to her supervisor to ensure this was accurate. I warned her that taking such a stance is unreasonable, due to the pandemic and my years as a loyal customer, I would be filing a complaint with the CFPB. She finally placed me on hold for a long period of time and I eventually had to hang up. I feel as if I was purposely placed on hold for a long time so that I gave up and hung up. I find BOAs position and response to be disgraceful.

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 2020-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
My bank statements were changed somehow to be received online rather than paper. 
When I call Bank of America they said it was an internal error. 
I have opened a dispute since the incident happened in XXXX of XXXX. 

I have had this account opened since XXXX of XXXX and never paid late. 
I take pride in making on time payments. 

I am hoping we can reverse this error because it cause my XXXX XXXX to drop significantly. After my dispute they said they were not able to change the history. 

I feel I should not be penalized for their systems error.

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 2020-07-05
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a Banana Republic Card through Syncrony Bank that I rarely use. I recently paid the bill in full but making the payment was almost impossible. I tried to pay it online but it would not let me login. I tried to recover my account information online, it would not let me do that. I then had to call to make the payment after trying to pay online for several days. I made the payment in full and the amount was applied in time to the account however I am not being charged yet another bill though the last payment was made in full. I can not login online to recover my account and view my bill and the IVR system has made it extremely difficult to recover my account when I call.

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 2020-12-08
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Twice on XXXX I called in to close my account and was hung up. The person picked up and said I can help you and said to say my account number. Then they hung up on me. 

The other time I called and went to the account closure portion of phone number and when it got to where someone would pick up it was hung up on. I had perfect cell reception of 5 bars so near impossible it is on my end both time just when I get to an agent. Very poor service.

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 2020-02-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
See attatched *FTC ID THEFT report case XXXX See attatched *CRIMINAL INVESTIGATION letter of XX/XX/XXXX PROOF DELIVERIES NOT MADE XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Fl XXXX MY ADDRESS XX/XX/XXXX. * USAA  CONFIRMS NO ID THEFT OCCURRED. I filed IDTheft, as is MY RIGHT, using the FTC web ftc.gov ID Theft Guidelines. You can view this on line, USAA. FTC web ( Our AUTHORITIES ) Under Disputing Credit Card Charges ( FCBA ) under billing errors CLEARLY STATES. ( *UNAUTHORIZED CHARGES ) * I have definitly had.. AND ( ** CHARGES FOR GOODS & SERVICES YOU DIDN'T ACCEPT OR THAT ** WEREN'T DELIVERED AS AGREED. ) I had also. USAA these are the guidelines I used in submitting this ID Theft Report. WHAT GUIDELINES ARE YOU FOLLOWING CONFIRMING IT IS NOT ID THEFT?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: Experian Information Solutions Inc.
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:
XXXX XXXX reported a charge off for XX/XX/XXXX payment and failure to pay I paid that account amount XXXX every month they continue to report both account one which is paid off delinquent and negative and bad credit charge off Ive been with XXXX XXXX for 27 years with out a miss payment a disagreement over a statement and payment cause them to bring me to court I never reicieved a court order in mail paid a lawyer who took my money had to deal with XXXX and XXXX law firm even them knowing I had a lawyer also payments were made out of my XXXX check which is XXXX dollars I tried in vein to make payment to the point off having someone call in payment s to law firm so payment date various due to them the collection law firm putting the payment through this ruined my credit and my life 32 years of credit 100 % payment history ruined and still XXXX XXXX n law firm continue in tased practices

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 2018-07-27
Company: EQUIFAX, 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 noticed I had some unauthorized accounts on my credit reports so I submitted the proper paperwork to Equifax to remove the fraudulent accounts from my credit report and Equifax did not remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-14
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX declined my application for financing the purchase of a new phone solely because I have another account with them. Earlier this year I purchased a XXXX phone using their promotional incentives Even though that account is many months ahead of current. I wish to file a complaint in that it precludes me from taking advantage of the offers otherwise available to XXXX customers including the trade in of my XXXX and the add-ons for the XXXX. 

Moreover, XXXX XXXX has been unresponsive in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: U.S. BANCORP
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I complained about fraudulent charges on my u.s. bank XXXX and the account was rudely 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 2018-07-14
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
US Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX We have had a Partnership CD and checking account with US Bank since XX/XX/XXXX. As of XX/XX/XXXX the Real Estate Partnership has been broken up and the " Security Deposits '' for our tenants must be dealt with. 

The CD was rolled over on XX/XX/XXXX for a period of 11 months ( @ the rate of .005 % ) and has been rolled over for many years. With the partnership breaking up the CD must be terminated and the deposits rolled into the new owners account. On XX/XX/XXXX, I ( XXXX XXXX ) went to the bank to terminate this CD. This CD generates approx. {$34.00} per month in interest. The penalty the bank wishes to charge is {$270.00} plus a {$25.00} fee. 

The total amount earned for 7 months would be approx. XXXX. Is it legal to take away principle as part of an early withdrawal fee??? 

We all know that dealing with the Stocks Market your principle is at risk, but never thought nor was it ever disclosed that principle is at risk with a CD insured by the FDIC. 

Thank you, 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 explanation
Consumer complaint received 2021-08-10
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: Their investigation did not fix an error on your report

Complaint:
I have sent in countless letters to Experian and XXXX  consumer reporting agencies regarding the XXXX XXXX account on my report. I have served XXXX XXXX with a Cease and Desist Notice. The XXXX XXXX account should not be on my Consumer report. I haven't given any company or person permission to furnish XXXX XXXX on my Consumer report. Both Experian and XXXX  should delete the account immediately before I take legal action against both Consumer reporting agencies according to the FCRA.

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 2018-07-14
Company: Experian Information Solutions Inc.
State: GA
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 tried on multiple occasions to get the incorrect information that is being reported on my consumer report off. I was a victim of ID theft, I sent police reports, as well as affidavits to the CRA 's however, they refused to block the fraudulent information.

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 2020-11-17
Company: EQUIFAX, INC.
State: MS
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:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) This a violation to report a past due status on a collection account. 
Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: Caliber Home Loans, 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: Account status incorrect

Complaint:
On or around XX/XX/XXXX I received a letter letting me know my mortgage loan had been sold to XXXX XXXX XXXX services from Caliber Home Loans. XXXX started collecting my payment since XX/XX/XXXX. On or around XX/XX/XXXX I called into experian to dispute the account still showing open, yesterday I got my an email about the results of my dispute and the dispute came back verified no changes. I don't know how they can verify the account still open Caliber Homes Loans have sold the loan. The Loan needs to report closed paid in full from all 3 credit bureaus XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: SUN LOAN COMPANY INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have contact XXXX Loan company here in XXXX Texas. I told them that I had my identity stolen and someone opened an account in my name. I submitted a report with the police station and contacted the company. At this point I told them that I would just pay it to get it gone from my credit report. Each month they add on {$5.00} and the account is closed and in collections. It is ruining my credit and it's not even mine. My responses were just so that I can get to this page to give explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
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:
I have a loan with XXXX XXXX XXXX I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: VYSTAR CREDIT UNION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a loan with VyStar Credit Union and the first payment was due on XX/XX/XXXX. As of XX/XX/XXXX I had not received any form of communication from Vystar regarding my first payment due date, account number, member number ; nothing. Thankfully I realized that I had made my purchase about a month prior and pulled out the contract and found that the first payment due date was in fact on XX/XX/XXXX. I called Vystar and after sitting on hold for a very long time ( more than 30 minutes ) a woman answered and told me that I could always pay online but I would have to set my account up. In order to set the account up, I needed the loan number, a savings account number ( apparently it automatically generates ) and my member number. After reminding her that they had not sent me any of that information, she said that she could take the payment. 

My initial payment was made on the afternoon of XX/XX/XXXX, I received a confirmation number over the phone as well as a confirmation e-mail that day. 

When I went to make my 2nd payment on XX/XX/XXXX, I saw that I had been charged a {$15.00} late fee. When I examined the account closer, I found that my payment made on XX/XX/XXXX was not posted by Vystar until XX/XX/XXXX. I have since called Vystar numerous times and after being on hold for over 80-90 minutes ( in total ) have been told twice that I would be called back, once put on hold just to be put back in the queue, and once hung up on. Two of the customer service ladies told me that they could reverse the late fee to at least take care of that, instead one of them added another late fee so I've been charged {$30.00} in late fees when no payments have been late. 

I have asked them to pull my initial payment and repost it back dating it to XX/XX/XXXX when I actually made the payment, along with removing the late fees. No one seems to care or know how to fix the multiple issues they have created. 

As I type this, I'm back on hold to discuss the 2nd late 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 2018-04-04
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Three years ago, in XX/XX/XXXX, I paid {$2000.00} and started having {$50.00} a month automatically withdrawn from my checking account for the balance. Even though I was paying {$50.00} a month only a dollar or two was credited to my account. When I asked why they had no answer. Unknown to me they stopped taking the money automatically in XX/XX/XXXX. I just learned this week I was turned over to collection even though I didn't get a phone call or letter about the auto withdraw stopping and now I'm supposed to pay {$4000.00} I don't have. I called yesterday and found out my account was only credited for {$1000.00} of the original {$2000.00} payment. I now owe more than I did in XX/XX/XXXX. despite paying {$3800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For almost five years I have been disputing an account with Comenity bankXXXX in which I never opened and/or had. As you can see in the attachment Comenity bankXXXX sold the account to a third party collector in which the third party collector tried to sue me until my attorney got involved. Once my attorney notified the third party collection attorney SEVERAL times asking for the summons and complaint ( in which the third party attorney never gave to my attorney ) this case was dismissed The third party collection attorney decided not to pursue this erroneous debt. I want this off my credit report immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I proceeded to send a letter requesting the verification of a credit card debt that Resurgent Capital bought, the credit card was paid, however, Resurgent Capital is reporting that I still owe a balance. By XX/XX/XXXX the company responded sending a simple bill without any signatures from my end, so I proceeded to send a follow-up letter requesting an actual verification of the debt. By XX/XX/XXXX the company sends a letter stating that I was sending duplicative correspondence and that they would not respond to my letters without additional information. On that same day ( XX/XX/XXXX ), I sent a letter that stated that the company was in Violation and that I was requesting an actual Verification of the debt. By XX/XX/XXXX the company decided to send me the exact same letter saying that they would not respond to my letters, once again I asked them for verification of the debt, but on XX/XX/XXXX they sent me the exact same letter without any verification of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: ERC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company is reporting this on my credit report to Credit Bureaus XXXX XXXX and XXXX. They have not provided me with any information to verify this was my debt. I never heard of this company and I do not owe any debt to this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late XX/XX/2018 XX/XX/2018

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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX sent me a letter in XX/XX/XXXX  regarding a fraudulent account. They identified an account that did not belong to me, and they sent a letter to Transunion on XX/XX/XXXX  ( see attached ) asking them to remove the account because of Fraud. The account was removed ; however, the inquiry was not - and there would be no inquiry if the fraud had not occurred. 

I have written letters and made several phone calls asking for help to no avail from Transunion, but XXXX and XXXX removed the inquiry. 

Please, can someone help me with this matter?

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