BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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've had a credit card with Bank of America for over 3 years. It has been on autopay for its entire existence, I've never had to go online to make a payment other than setting up the autopay amount and/or adjusting the autopay amount. In XXXX and XXXX of 2021, my autopay was stopped for some reason. Since I was not notified, I did not make a payment in time and was therefore reported as late to the credit bureaus. 

On XX/XX/XXXX, I requested Bank of America to remove these lates as it was their fault that the autopay was turned off without notifying me. I was told ( via a representative on the chat help desk ) they would submit a complaint and would be notified in 5-7 business days of the status of the complaint, but was warrant the actual credit report correction may take 60-90 days. But, I never heard anything. 

On XX/XX/XXXX, I called back in to Bank of America to check on the status now that we were well past 7 business days. I spoke with XXXX XXXX who notified me that the prior rep had NEVER submitted any complaints despite my request and despite the fact that he/she told me they had. I asked her if she could check the chat transcripts to see that I had already requested this and was told it was submitted but she said she was unable to access them OR share them with me. I sat on this call for XXXX minutes and was ultimately told by XXXX that she shows no record of my autopay being turned off by Bank of America and claimed that they actually aren't able to do that, therefore she didn't have a " reason '' to submit my complaint. Despite me explaining multiple times that I've never made a manual payment and the autopay was never turned off, she still refused to file a complaint for me. 

I don't want much. I only ask to correct my credit report to show no lates and to refund applicable late fees. That's it. Nothing more. 

I will NEVER bank with Bank of America again. But I just want them to fix their mistake.

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 2020-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/XXXX I opened debit card and checking account in Bank of America. I put my money XXXX usd there through the cashier and ATM. 
XX/XX/XXXX my account was closed by Bank of America. And debit card was cancelled too. Since then I cant get my money back. Security service has finished all checks a long time ago. 
I call the bank every day. But bank employees constantly lie to me that your check was sent to you. But the check doesnt come. They say your funds are frozen. Now they said they sent me a check XX/XX/XXXX. Today already XXXX but my check didnt come. the bank asked me to wait another two weeks.

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 2023-01-04
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: American Coradius International LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After receiving suspicious emails over a period of time from XXXX, when I did not have an active account, I sent them to their company XXXX XXXX  and then also called them to make sure that there was no active account with my name and email. At first I was told there was indeed a verified account in my name and that it could not be closed down. Then after a number of calls and emails back and forth, one of their operators confirmed that I would get no further emails, in XX/XX/XXXX by phone. Then on XX/XX/XXXX, I received the attached letter via XXXX Mail from a company called American Coradius International. Stating that they were trying to collect a debt for XXXX. 

I have never owed money to XXXX. I do not have a credit account with them, and have not used their service in YEARS!! 

I called XXXX on XX/XX/XXXX, and XXXX XXXX filed two claims on my behalf XXXX, and XXXX and stated I would hear from them in 3-5 business days about next steps. When I did not hear from them by XX/XX/XXXX, I called them again. I was told by XXXX ( # XXXX ) that I owe them no money and not to call the phone number on the letter I received from XXXX. I was told that they were continuing their investigation. 

So now, not knowing what to do and not wanting to call this company who sent me a letter asking for money that I don't owe, I am sending this to you. I don't know what else to do, I don't know if I am being scammed or a victim of fraud at this point. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
XX/XX/22, I went to XXXX XXXX in XXXX GA to purchase several items. When checking out, the clerk offered the opportunity to apply for a Lowe 's credit card in order to save {$100.00}. I accepted and she completed the application for me. Then she said there was a hold on the application and she called Synchrony Bank to see why. They got info from her and then asked to speak to me. I was told, " in order to prevent identity theft, I needed to go to XXXXXXXX XXXX ( don't remember the x 's ) and answer some questions. I explained that I was standing in a check out lane at XXXX XXXX, She said I could do this on my phone, I went to the website and the instructions were to record 15 second video of myself, take a pic front and back of my license and view a tutorial on all this. I said, again, I'm standing in a check out line I can't do all this here ( not sure how to video myself and upload all this stuff. ) I told her to just withdraw the application. Now I have a hard inquiry on my credit and no card, so it appears I was declined. If they were going to require all that, it should have been asked for, BEFORE they pulled my credit! I would have declined to apply. I'd like the inquiry removed please.

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 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Concerning the entry on my report by XXXX XXXX XXXX, mentioning an incorrect amount of {$1000.00} and dated XXXX, I assert my FCRA rights. Section 611 ( a ) grants accuracy verification, Section 623 demands precise credit reporting, and Section 611 ( a ) ( 1 ) allows dispute of erroneous data. I also refer to FDCPA, TILA, and CFPA for fair treatment. Kindly investigate and rectify this entry to ensure accurate credit reporting.

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 2023-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XX/XX/2023.I discovered that my Capital One Bank withdraw more than {$2000.00} from my checking account without my permission using XXXX XXXX. I immediately called the bank and explained that I had never had account like cash app.After many questions, In gave them all information.The money was withdrawn through my debit card.I live alone and no one has access to my financial documents.On XX/XX/XXXX. {$1300.00} was charged again from my debit card. I had new password but someone has access to my debit.I called the bank again but they refused to return the money to me. I am retired, my Social Security is not very big, but the bank manages my pension at its discretion.Convincingly, I ask you to help me. 
Yours faithfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My account shows student loans that have not been paid on and they are currently on a freeze. But if you look at account it looks like I am avoiding making payments which I believe is impacting my credit score and should be fixed. I also have a derogatory remark which is high impact that should not be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: U.S. BANCORP
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I filed a complaint against US Bank for this matter to no avail. US Bank responded with absolutely no evidence or explanation for the " charges '' on my credit card that they claim I owe. In FACT - those charges can not be linked to me as they are literally " late '' fees imposed on fraudulent charges. US Bank can not solve this issue by trying to gaslight me and just say " there were charges '' I haven't paid for. Not only will I sue US Bank in court, I will share all of the statements and the extremely poor response and absolutely unacceptable excuse US Bank gave in response to my demand that they resolve the mess they made of my account. If US Bank does not retract the fees and charges ; advise the CRAs that what they reported is FALSE, and close my account in good standing within 5 business days, I will file suit and share their disturbing lack XXXX  violations with the media, in addition to contacting XXXX XXXX myself to alert him to their disgusting unfair 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 non-monetary relief
Consumer complaint received 2019-07-26
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hye, I have credit card with Navy Federal Credit Union. 
I traveled with my family to XXXX Tx and stayed at XXXX. I tired to extend the night stay through XXXX and paid from my Navy Federal Credit Union card. My payments was deducted but got no confirmation or notice from XXXX. After waiting for 30 minutes I contacted hotel XXXX. The staff on duty told me there was no booking reflecting into the system. I also called XXXX and they also told me to contact hotel staff as they have no information. However if we want to extend the stay we need to pay more for other hotel options, which I disagreed. 
In morning we checked out the hotel while payment was deducted from my card. I disputed this transaction as we didn't stay at hotel and still charged for this. Now after dispute Navy Federal Credit Union is asking fro invoice and other proof which I told them I never got and after paying for extended night it doesn't make any sense that we didn't stay at hotel. Navy Federal Credit Union is not resolving my issue and I told them its all fake and I need my money back which they are not trying to settle down. Please get me my money as its a good amount for me paid for what not consumed at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX My loans were in deferment until XXXX along with the rest of the student loan borrowers. As you can see on the XXXX statement included, all loans were current through XX/XX/2023. In XXXX when clarifications became announced I first applied on XX/XX/XXXX and then again on XX/XX/XXXX for consolidation and deferment until the consolidation is approved. As you can see the application on the XXXX and the statement by XXXX that NO PAYMENTS ARE DUE UNTIL XX/XX/2023. 

On XX/XX/XXXX, you reported me 90 days late on my payment A total shock considering the above and that your own documents show I was current through XX/XX/2023. I need your kindness and help to rectify this please as the downgrade in my credit is now forcing me to close my business and my vendors are all now shutting down my credit with them due to the dramatically lower credit score.

This is urgent. Can you please help? If you need additional info, please reach out. Attached is the XX/XX/XXXX, loan modification along with that is also the date of my second request to apply an administrative deferment to allow for time to get this processed. Also included is the XXXX statement showing no payments due until XX/XX/2023. 

I first contacted XXXX on XX/XX/XXXX and again on the XXXX as the info from the XXXX did not get to XXXX for some reason. 

Also, this loan likely will qualify for total discharge due to the length of payments on it. I have 15 years of public service but do not qualify for discharge for that since I am a volunteer! 

PLEASE HELP! 

You can reach me at XXXX if you have any questions or email me at 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 2022-10-21
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:
This is regarding a previous compliant : XXXX. 
I have attempted to contact Merrill regarding this matter but each phone call to Merrill is dropped or never answered. I have spent over 6 hours on the phone attempting to reach Merrill about this issue. My phone calls are always hung up regardless of who I call and when I call. If I am lucky enough to reach a representative, I am put on hold and the call drops. The hold times for Merrill are extremely long and that is making it impossible to resolve this issue. I suspect Merrill does not want to help me with my account and wants to keep my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: TRUIST FINANCIAL CORPORATION
State: CA
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:
This account is Fraud, I never give anyone permission to pull my 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 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or REPAIR all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

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 2021-04-11
Company: Fay Servicing, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Breach of Contract, Failure to preform and uphold the terms of my mortgage. 
When the mortgage was initially setup in XXXX with XXXX XXXX XXXX XXXX there was an agreed upon clause made between myself and XXXX XXXX XXXX XXXX XXXX Branch Manager/loan officer. 
This agreement stated that there were 3 different parcels involved and that there would be milestone steps taken and parcels released and deeded to me free and clear upon reaching these different steps. I have reached and surpassed the first milestone by several thousand dollars. 
Fay Servicing LLC has not complied with this agreement. And refuses to even acknowledge it exists. 
I have attempted to speak to someone or in fact anyone that had the ability to even acknowledge this existing document. I have asked numerous times to speak to Fay Legal Division only to be informed that customer service reps will handle it. I have ask to speak to anyone that is in a supervisory position to try and sort this out. 
I have spoken to untold number of customer service reps. Most are having trouble understanding what day it is. 
Finally in XX/XX/XXXX I spoke to XXXX XXXX customer service rep about this problem. He gave me his direct telephone number as well as his E-mail. 
A copy of the original agreement was forwarded to him by E-mail. I received a return E-mail from him that he had received it and would forward it to the proper people. And that he would have some type of response in three days. 
It is now XX/XX/XXXX and still no response. And again, many many calls to Fay and no one that can read or understand what the original agreement says. 
My patience has evaporated dealing with Fay and their nonsense. 
I have attached with this statement several items related to this problem : Original Agreement between myself and XXXX XXXX XXXX XXXX 2pages E-mail received from XXXX XXXX Fays customer service rep. 
Fays Loan Details showing Original Loan Amount XX/XX/XXXX Fays Mortgage Statement XX/XX/XXXX showing loan balance.

Company response to consumer: Closed with explanation