BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Current complaint number XXXX, Hello, I received a phone message from XXXX, XXXX XXXX claiming to be with BOA and needs more information from me to handle my complaint/account. I also received another letter in the mail just after this phone call wanting me to contact BOA but at the bottom in the footnote states it's a Debt Collector. 
I have no accounts with BOA, so there is no Debts to be collecting. 
How did I get this Account opened in my Name? 
This account as originally explained, has never been opened by me. I received another monthly statement today XX/XX/21 with another - {$4.00} charge. The new balance is - {$14.00}. 
The XXXX phone number mentioned appears to be a spam type debt collection number according to other complaints. 
I just want this account removed from my name by BOA and when I contact them, I am sent to 4 different departments asking all kinds of personal 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 explanation
Consumer complaint received 2023-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Reporting company used your report improperly

Complaint:
I sent a letter to Bank of America on XX/XX/2023 and on XX/XX/2023 have not heard any thing back from them. the issue is that they are reporting an account that their employees opened fraudulently with out my consent.nor knowledge. I would like to resolve this issue I am having with bank of america

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 2021-12-14
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX. I've kept two online saving accounts in HSBC for over ten years, but recently, I could not log in to internet banking, so those were dormant. On XX/XX/XXXX, I reactivated one, but the other account was already closed by HSBC. 
XXXX. I did live chat several times ( From XXXX to XXXX ), and they said it was closed in XXXX by the abandoned property. And I heard the valance was zero during the last three months before the closing. 
XXXX. HSBC emailed me about the e-statement until XX/XX/XXXX ( See the attached file ). Even though they have my email address, they did not notify me about the closing. Furthermore, I did not make the valance zero. ( On XX/XX/XXXX, the valence was XXXX dollars ). 
XXXX. As agents recommended, I called the abandoned property, one who received the call said they do not have my closed account. That call was made on On XX/XX/XXXX XXXX AM ( in XXXX, That is XX/XX/XXXX XXXX PM in New York ). ( Actually, the abandoned property hardly answered, never called back. ) I called the phone banking team, but they repeated that the account was closed and went to the abandoned property. 
XXXX. I left the message to XXXX @ XXXX on XX/XX/XXXX, one agent submitted an official complaint about my case, and he gave the complaint ID. The other agent tried to connect me to the abandoned property through the phone, but they did not respond for over 10 minutes. And the call was terminated. The agent called back and said she would look at it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2018 two XXXX XXXX XXXX accounts were sold to XXXX XXXX in an attempt to collect debts that were not mines. I wrote letters to XXXX XXXX to provide proof that these accounts belonged to me and to also provide a signed contract with my name and they were not able to do that so all collections attempts were ceased and account was deleted from my credit. I see that now those very same XXXX XXXX XXXX accounts have now been sold to Enhanced Recovery Company in an attempt to say these accounts are mines again. The account are in the amounts of {$830.00} and {$610.00}. Please provide me with proof that these accounts belong to me with a signed contract or cease collections on both these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Bank stated that they were unable to verify income which was not true ... we contacted ssn office ... brought my taxes as well as showed proof of all income, also I paid for an inspection for my home and no one ever came and citizens bank never returned my money which it was told that my XXXX $ would be

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-03
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have submitted two prior complaints and the issue has not been resolved. Wells Fargo is paid automatically every month out of my Wells Fargo checking and is documented. WF insist they are not receiving payments and have turned me into the collection agency. I spoke with several Wells Fargo representatives and they confirmed the money is withdrawn from my checking and cleared. So basically they are withdrawing money from my account and the money is just missing. 

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 explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries XXXX5 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-03
Company: Velocity Portfolio Group
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I had a loan out with this company which was named something different when I did. I tried working with them on payments. I am XXXX and on a limited income and offered to make payments that would allow me to still be able to afford food, water, and shelter the bare essentials and they refused to work with me. I ended up not being able to make the payments and this provider sent my account to a collections agency called XXXX XXXX XXXX XXXX, XXXX who is now dealing with the account. They are doing the exact same thing. Forcing me to make payments monthly on an amount that I can not afford. I have mentioned I am XXXX and they refused to work with me. They offered me a monthly payment of {$120.00} a month and I can only afford {$50.00} as I stated with the previous provider and this debt collector. I borrowed {$3500.00} and now both providers are trying to force me to pay over {$7000.00} in legal fees, finance fees etc which should be completely illegal. Providers like this one and debt collectors are the reason XXXX  is struggling and the people in it. Please help me in this matter negotiate something more reasonable for me to pay monthly especially since I am XXXX and already struggling.

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: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights!

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 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 2018-10-04
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a call from " CMRE Financial Services , Inc. '' claiming they were trying to collect information about a debt that is owed. I called back but they refused to give me any information without me providing my birth date or the last four ( 4 ) digits of my social security number, which I refused to do. In researching the company, I found they are known for making fraudulent calls and mostly attempt to collect debts for medical services. To the best of my knowledge all of my bills for medical services are paid in full and I do not have any outstanding medical debt. I am concerned this company is trying to fraudulently collect a debt that is not owed and it will negatively affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony Bank / Ashley Furniture closed my account that is in good standing with no reason. Theyve done this to me with XXXX XXXX card after making a payment. Researched this issue online and it looks as though they seem to do this frequently. This should be completely illegal.

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 2019-12-17
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:
There are accounts on my credit report that I did not authorize. These accounts were open without my knowledge. I have already filed a complaint with Federal Trade Commission and attached you will find my Identity theft report. These accounts are fraudulent and need to be removed immediately. There was a mobile cell phone account opened in my name the balance is XXXX also a personal loan for XXXX. Please investigate immediately and remove these un authorized accounts as soon as possible. Thank 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 non-monetary relief
Consumer complaint received 2019-12-17
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am being billed by transworld for {$750.00} for XXXX XXXX XXXX. AT the time of the XXXX XXXX XXXX. I had a VALID XXXX XXXX which was fully funded and capable of paying the tolls. For whatever reason the tolls were not picked up by my XXXX I was unaware of this. Only recently, I receive a notice and contacted XXXX, which told me to call this collection agency regarding the tolls. I HAD AN XXXX   XXXX AT THE TIME OF THESE TOLLS. MY XXXX XXXX HAD SUFFICIENT FUNDS TO COVER THE TOLLS. I am being charge an additional {$100.00} per toll ( 7 tolls ), which is totally unfair. I had an XXXX XXXX, and my XXXX XXXX   had funds on it. Why is transworld trying to collect on a debt, which I shouldn't have. This is so unfair to me. I ensured my XXXX XXXX covered the tolls, and I ensured that I had money on it. Now I was sent to a debt collector who isn't willing to just collect the toll, but wants an additional {$700.00}. I'm being ripped off big time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-09-26
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
This is a NAVIANT XXXX loan that iam the co-signer of for my daughter. 

On many occasions, Naviant floods me with call all day if they can't reach my daughter. They also, because of what they call an old system, call me even if there is no issues with the loan. 

They are harassing me to a point that I had to call and complain to management. 

This approach still continues as of this complaint date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: Jim Bottin Enterprises, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/19 ABC Financial services took XXXX from a card they had no authorization to do so. They took 4 monthly payments in one day. This was for a XXXX XXXX account that had been closed on my end due to a documented XXXX. They deny taking money from my card and say it fame from the bank account they had on file which is not true

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: NV
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 found some hard inquiries on my recent report that do not belong to me

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting 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 DO NOT RECOGNIZED ANY OF THESE HARD INQUIRIES OR ACCOUNTS : HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX {$0.00} XXXX XXXX XXXX  {$0.00} XXXXXXXX XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$15000.00} XXXX XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX {$640.00}

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 2022-12-24
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I received an offer from Citi about 6 months ago to open a checking account and deposit at least {$50000.00} to receive a {$700.00} opening bonus. I opened this account within promotion period, deposited funds within 20 days and maintained my balance for at least 60 days. Citi said " If you are eligible and fulfill the required activities, the Cash Bonus will be paid within 90 days after you successfully complete all required activities. " The last day to credit my bonus was XXXX XXXX, 2022, however, the bonus did not show up in my account. I reached out to them via chat and the first agent said she saw that I was supposed to get it and opened a case and it will take up to 5 business days to solve, case # XXXX. After waited for 6 business days I still see no change, so I reached out to Citi via chat again, second agent said wait up to 8 days and said I had to call and he can not do anything about it. The phone agent said I need to wait up to 20 business days to hear back and she can not do anything with it. This is nearly a month after the promised latest day to receive my bonus, Citi was trying to trick you to put your money in then make you wait forever. Those 3 agents did nothing but kicking the ball around. 

Here 's the chat history with the 1st agent : Customer Message I am contacting you because I wanted to find out why I have not received my cach bonus offer amount that I was offered when I opened my checking account. 
Read XXXXXXXX XXXX  Agent Message Yes I am also good thanks for asking. Need not to worry let me check this for you, allow me 2-3 minute. Please stay connected. 
XXXXXXXX XXXX XXXXXXXX Customer Message ok. thanks Read XXXXXXXX XXXX Agent Message XXXX I would like to tell you that you are completed all the criteria for bonus and I apologies for the inconvenience caused to you that you still not receive the bonus let me quickly raise a complain so you will get your bonus XXXX soon XXXX possible. 
XXXX XXXX - XXXX Customer Message Ok. Great. Thanks Read XXXX XXXX Agent Message Before we process this request, can I confirm with Yes or No if your contact information on records is updated? ( such as your account address, phone number and e-mail address XXXX XXXX - XXXX Customer Message Yes. The contact information is correct. 
Read XXXX XXXX Agent Message Thanks for confirming please allow me some time. 
XXXXXXXX XXXX XXXXXXXX Customer Message ok Read XXXX XXXX Agent Message Thanks for waiting XXXX. Your request is being passed for further research regarding your dispute. The investigation may take up to 5 business days. Responses will be sent after case completion. 
XXXX XXXX - XXXX Customer Message Sounds good. Is there any reference number you can provide me? 
Read XXXXXXXX XXXX  Agent Message here is the reference number for you 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 2019-12-18
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:
This company ( XXXX XXXX ) has harassed me for years stating that I owe money to XXXX XXXX Apartments. I never lived in these apartments. I repeatedly told them this only to be treated disrespectfully and rudely. Over and over again. I am in the process of taking out a loan and this is showing on my credit report which is delaying my loan approval. I called and spoke to the owner of the company who told me that I do not owe this money but states that he can not give me a letter on letterhead stating that I do not owe this money because his company does not do this. The owner states that Experian put this on our credit report. Not him. He refuses to help in anyway to clear this fraudulent charge 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 non-monetary relief