BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-15
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:
I 've had the same checking / atm access account with Bank of America for almost 30 years. While reviewing the XX/XX/ Statement, I noticed a XX/XX/ withdrawal transaction of {$200.00} in addition to a related {$2.00} fee charge with the reference " XXXX XXXX # XXXX WITHDRWL XXXX  XXXX XXXX XXXX XXXX MO activity type withdrawal '' I immediately contacted Bank of America Customer service to inform them, that I have never been in Missouri, and I certainly did n't take any cash out of any ATM at that location, at any time, let alone XX/XX/. 
They issued a temporary credit and said they 'd investigate. 
Approximately a month later I got a form letter saying they 'd investigated my complaint, said it was an valid withdrawal, and again re-charged my account the {$200.00} + {$2.00} service charge. Nine calls later, over the course of approximately 3+ hours, Bank of America has yet to provide any explanation validating this charge to my account. On 4 separate  occasions, their telephone service representatives assured / promised me that they would get me a detailed explanation by the following day or two. I heard / got nothing. All they eventually said is that it 's likely someone at some other ( different State ) card use, skimmed my card and pin number and subsequently produced a fake card to take out money from my account. The fact that Bank of America is so flippant about the fraudulent removal of money from my account is alarming. The fact that with all their hopefully sophisticated anti-fraud technology, they did nothing regarding an ATM transaction from a State ( Missouri ) where their customer ( me ) had / has never been suggests an appalling lack of the most basic responsibility that a financial institution should have towards those who entrust it with money. If this is the level of security now being provided by nationally chartered banks, then one might want to start considering keeping one 's money under the mattress, because it certainly is n't safe with Bank of America. At best, they 're incompetent. As worst, they facilitating or committing bank fraud upon their customers.

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 2017-11-15
Company: CITIBANK, N.A.
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:
I have been a long time user of Citibank NA. i have been depositing income from my personal job, which is not steady in any way. Citibank delays my account fund and makes a small amount available as normal. Ive made deposits and payments to my accounts to make sure that my bills are paid with this time lag. recently however, they have delayed or put holds on my deposits for a week or more - causing multiple overdraft fees - even when it shows pending deposits. they return the payments as a credit - charge a {$34.00} fee each time and then shorten my funds and keep extending the time for my funds to be available. right now almost {$200.00} in overdraft fees have been assessed and ive had to re apply multiple payments to my bills. I went to two different branches to try to speak to a manager to address their issues and policies. The teller staff informed me that their policy is to delay funds due to their no direct deposit nature - that my account is inconsistent and they cant help me in any way - that i just need to change my payment due dates. I asked to speak to a managers - both we were busy despite my wait time. i requested call backs from both and neither complied. I am going to seek a new bank and begin the transfer process but i do want to make this complaint to be addressed. being self employed should not be punished this way - or ignored.

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 2017-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
i called in to the company on XXXX XXXX, XXXX about XXXX cst in good faith to have these inquiries removed that happened during the breach/glitch with in the company around XXXX XXXX XXXX, first speaking with a XXXX XXXX XXXXho cut me off immediately to let me know he could not help me and i then asked to speak with a supervisor who also did n't event me finish speaking about the issue. This glitch was not my problem it was transunion and I 'm also away that it is illegal to run someones credit without authorization from the person or re-add an inquiry with out a 5 day written notice!

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 2017-11-15
Company: TFC Credit Corporation of California
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
For the last few months I've been going back and fourth with the XXXX XXXX in regards of a loan I " apparently '' which I'm verifying now. In XX/XX/XXXX I received a call from TFC requesting information on how i was going to pay to pay them. I informed them that I recently moved and gave them my address so they could proceed to send me the billing information ; I never received a any information or the confirmed email like they said they were going to send. In the beginning of XXXX I received a phone call from TFC informing me that I was 30 days past due and that a 30 day past due report hit my credit report. I asked to set up a payment plan and they gave me the run around but kept putting pressure on me to make my payments. The customer services representatives were very rude to me every time I called and there has even been a few times they hung up on me purposely. Last but not least I asked them today XX/XX/ to send me a copy of the agreed sign contract of the loan to my email I supposedly took out and they failed to provide me a copy as well. 
Desired Resolution : Correction to a credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: FIRST NATIONAL BANK OF OMAHA
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
FNB Omaha ran my credit twice without my permission The first attempt was XX/XX/XXXX and the second attempt was XX/XX/XXXX I think FNB Omaha A letter disputing The hard inquiries On my credit file. That letter was sent out XX/XX/XXXX And I have not had a response Or an update on my credit report.

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 2019-05-31
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was under the impression my Paypal account is closed due to it permanently restricted from use, no transactions allowed to or from it. This also applies to purchases. It appears it is in fact permanently restricted. I need a statement from Paypal with the exact date it was restricted and if it ever was linked to another Paypal account, the email XXXX. Linked account refers to any and all funds transfers from XXXX to my account from the time period of XX/XX/XXXX to today, XX/XX/XXXX. Specifically, I request a research for a transfer in the amount if {$4200.00} during the same time period. I need this to show rep ( s ) with XXXX XXXX, their rep stated my Paypal account was or is linked to XXXX, this refers to any funds transfers to or from it. XXXX XXXX mailed me a close out check in the amount of XXXX on or around XX/XX/XXXX, intercepted by a third party and cashed. Needless to say, I did not receive the funds. XXXX XXXX rep referred to the Paypal account, XXXX, inferring the account was used to possibly transfer funds to my account which was suspended at the time. I need a brief statement showing 1 ) Exact date Paypal account was suspended, 2 ) a research for any transfers during the time period XX/XX/XXXX to today, XX/XX/XXXX, specifically the amount of {$4200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: CITIBANK, N.A.
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 status incorrect

Complaint:
paid citibank account in full, payment process and reflected a zero balance, payment did not process, automatic payment was cancelled by citicards, they blamed me, did not contact me. we had a natural disaster the same month and I did not follow my payment as it had never not processed before. Payed account off during the next month after the natural disaster. balance is zero, credit history is excellent. 

did not cancel my credit card due to the affect on my credit.

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 2022-08-10
Company: Rocket Mortgage, LLC
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My problems and issue began immediately after my closing date. Rocket Mortgage along with my home owners insurance, XXXX, set my mortgage payments and escrow. Eight months after making payments, rocket mortgage ran an escrow analysis claiming I had a shortage of {$1800.00}. After further investigation, I found that my home insurance increased {$20.00} per month, however there was no change to my property taxes. 
I fought this escrow claim and asked Rocket Mortgage to look into it, they claimed everything looked well in their system. To date I paid between $ XXXX {$3200.00} to rocket mortgage and they refuse to assist with this matter. I canceled my insurance through XXXX as they were not helpful. I tried resolving with a supervisor from Rocket Mortgage and this person gave me the same answer and refused to look into my paperwork and/or documentation history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Experian Information Solutions Inc.
State: CT
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:
In about XX/XX/2020, I closed a credit card with XXXX XXXX XXXX. Apparently, it was never closed. I have statements and proof of all payments ( even of them charging me for a prorated yearly fee, after I closed the account ) and statements until the end of 2020, which show a XXXX balance, including their mobile app, which STILL shows a XXXX balance. I never carried a balance of more than a few dollars on this account. Today, I was notified by Experian that I had a derogatory account with them, and they did a chargeback for {$340.00}. Not only was there XXXX correspondence about a debt I might owe, there was nothing at all on their mobile app that I owed money. To this day, it says I have a XXXX balance. I have spoken to 3 people, including 2 supervisors at XXXX XXXX, and they could not tell me about any charges or fees I neglected to pay. I have statements to prove it. Yet, they sent my closed account to a collection agency, severely damaging my credit, and my good name. I have gotten nowhere with them, despite legitimately trying to resolve the issue. This is fraudulent! I pay my bills, and they are wrong! I respectfully ask that you resolve this issue, and severely penalize this terrible company, who Ive found out has thousands of complaints like mine with the XXXX XXXX XXXX. Please help me! Also, please inform the 3 credit bureaus ( XXXX, XXXX XXXX, Experian ) that I am in good standing

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 2017-11-15
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX XXXX I was looking for lenders to refinance my home and Cash Call was the lender I was dealing with at the time, XXXX XXXX was the loan XXXX he issued me a Loan estimate on XXXX I disagreed with the offer, I told him the payoffs were off quit a bit come to find out XXXX ordered payouts from both my mortgages and I was billed for it on my monthly mortgage statement {$25.00} dollars and never gave me a copy and I requested it after I learned what he did, he did worse than that he change my Home owners insurance XXXX payee to IMPAC MORTGAGE CORP DBA CASH CALL and removed my current mortgage provider. XXXX never informed me of anything is a matter of fact I emailed him after receiving the loan estimate informing him to lower the rate and fix the errors he ignored me and changed my insurance policy anyway very pushy the company puts a lot of pressure on consumers, in other wards if something happen to me cash call would be getting paid instead of my current lender. first of all that should be illegal second of all I never had a financial agreement with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent notice to stop communication regarding multiple debts to cease and desist. Company failed to respond. Portfolio is reporting multiple accounts on my credit report for over four years that I do not owe. I have never had an account them or the alleged original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: World Acceptance Corporation
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
World Acceptance keeps hitting my credit report from PAID OFF loans from XXXX. I am trying to get my credit cleaned up and this is not helping my score. I want them to stop reporting old information on me. I called their cooperate office and left a voice mail and got no response. I waited about three weeks before calling the local branch here in XXXX OK where I was told someone would get back with me but I have yet to hear back from them. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: Experian Information Solutions Inc.
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:
I recently had an account start reporting on my personal credit history. I had not had a XXXX account report for many years. I made my last payment and closed my account. On my personal credit report, it shows that I have an open account with XXXX and it was closed and charged off in XX/XX/XXXX. Also, when you open a XXXX account you have to pay {$30.00} upfront and they state that the {$30.00} will be your first payment. They did not consider my {$30.00} my first payment and showed me late and each time I made a payment when my email alerted me, I was considered late and they would add interest. I did not know this at the time but I looked at this document and saw the way they were overcharging me. They never credited my first {$30.00} as they stated and they would send me paperless bills to my email and then consider my payment late even though they were billing me. I have submitted dispute after dispute to both the credit bureaus and the creditor with the address that is located on the credit report. I received a letter from XXXX stating that they transferred my account to another lendor and I should contact them. I have the letter as proof. It also shows that I paid the balance in full and then they added a COFINCHRG of XXXX and a COFINCHRG of XXXX. I was not aware of this. I had no idea that after paying my balance off online and having a {$0.00} balance that they would add any kind of extra charges. They never informed me. You can see the consistent payments on the statement they sent me as well. It was not a charged off account. The creditor has it listed as a charged off on my personal credit reports, I have attached them. And the last date of payment was is showing in XX/XX/XXXX. It shows on the document from XXXX that the last date of payment is XX/XX/XXXX. I sent the credit bureaus this proof as well and they still refuse to acknowledge that it is a fraudulent account that does not match my records. They may have me confused with another person but I never paid my account in a charged off status.

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 2017-11-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
SPS is reporting late payments during the loan modification even though they advised me they would not report late payments. They forced me to go past due and would n't take my payments promising me that it would n't show late on credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: BAM Management US Holdings Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I set up an account with Binance.US earlier this year, shortly thereafter I decided that I would not be needing to use this exchange, so I removed the Binance 2FA from XXXX Authenticator. At the end of XXXX I transferred cryptocurrency ( VET ) to XXXX XXXX on my phone, with the intention of moving the currency to my XXXX account in a week or two. However I did not know at the time that the XXXX XXXX XXXX uses their own cryptocurrency for network fees ( gas fees ) called XXXX. The only place I can buy XXXX is Binance.US. I have asked them repeatedly to reset my 2FA method which will allow me to login and purchase XXXX, at the time of this writing I have about {$1500.00} in VET that I can not access because Binance.US customer support is completely unresponsive. They asked me for information 6 days ago, I sent them the requested info to verify my identity, a short video requesting that my 2FA be reset, a picture of my DL, front and back, as well as a picture of me holding my driver 's license. Still nothing, thank you in advance for any help with this, I just wanted to call out Binance for their spectacularly poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXXXXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXXXXXXXXXX Inquiry from XXXX XXXX, XXXX + Complete Dept. Stores XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX + Services, Not Elsewhere XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from XXXX XXXX, XXXX + Telephone Companies XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX  Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX. 
XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX. 
XXXX XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXXXXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Cr Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Cr Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2017-11-05
Company: Debt Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt Recovery Solution is alleging i owe a debt, and reporting this inaccurate information to XXXX. I never received any information validating/verifying the allege debt, never received notice that Debt Recovery Solution is a debt collector.

Company response to consumer: Closed with explanation