BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I noticed several fees on my Bank of America account that I would like to ask for a refund on. I have been a loyal customer of Bank of America and hope to continue, but these fees are becoming really frustrating .... Especially when there are now so many fee-free banks and its been such a tough year! This has been happening for years. We have been customer since XXXX. 

Can I get a refund on the {$200.00} from my transactions below? 


Monthly Maintenance Fee - 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 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 Bank of America XXXX XXXX XXXX XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-12
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Ally Bank. Called in to get where to send Estate info. Faxed info in. Said they would call in3 days to give the account info from the decedants account. Called back 3 days later with proof of fax receipt and was told that they do n't have any of the info that was faxed in to them. They are trying to say they did not loose the info and then they changed their story saying that a 3rd party takes care of their faxes. The decedent department can not be called directly and my personal information along with my parents info is not accounted for. Have called and been given many excuses and no information on the account that needs to be closed. Guess they are inept and want to keep the funds. Very unhappy with the ineptitude and lack of help in this difficult time.

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have already filed a report with the Federal Trade Commission ( FTC ) concerning the unauthorized reporting of my personal information, which I believe amounts to identity theft. The FTC has provided me with a reference number for this report, which is [ XXXX ]. 


Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRES XXXX open date XX/XX/

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 2023-04-06
Company: CITIBANK, N.A.
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In follow up to the last response you are inaccurate. There was a XXXX XXXX produced from Citibank this year XXXX despite having one department closed there are many others you speak of. 
This is out of line for a lender not to have original documentation of a loan The bankruptcy paperwork was sent along with the last complaint. 
There is no loan referenced " XXXX '' So there is a problem here for you to identify the loan. 
XXXX XXXX XXXX  dispersed the loan only. 
You are responsible for having the documentation. 
Where does it say I am moved in the primary position after XXXX XXXX Bankruptcy It is not private when I sent you the information and you have not identified your loan. 
Unless you reference precisely the loan in the bankruptcy which leads me into first position then I suspect you made an error issuing the loan in the first place and there is also an error in how you followed protocol that may be wrong. 
XXXX denies in current court proceedings this loan exists after XXXX as she paid it off. 
This loan you speak of is my own loan originated without XXXX. 
So how do you answers now. 
If it is a manual check where is the signature on the check? Paperwork? 

The issue is larger and your are creating irreparable harm to me Please respond with the correct paperwork to prove my identity on the loan and the issued check. XXXX XXXX XXXX does not keep these records and relies upon you to do your due diligence I was involved in your bankruptcy account listed in your last response and you are unable to substantiate this The account numbers do not match the bankruptcy file Please do so immediately. and the exact dollar amount What is the account number with XXXX and when did the company received the loan servicing agreement?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XXXX XXXX  didn't refund my money back to me or let me ride the bus so I had to pay more money to get to my destination and my bank gave me the money temporarily and took it back from me when I don't think that's fair. 

XXXX was supposed to send me multiple items to me and I gave her over {$300.00} dollars and she didn't send me the merchandise, I also contacted my bank about this and I did not get the items at all. 


A random company I bought from through my XXXX XXXX and they didn't send me any items either and my bank also took those funds back from me. I would honestly like to make a claim to my bank for wrongfully doing this to me. My mailing address changed so all of my letters from Chase bank got forwarded back to them and I think this is all uncalled for and I want all of my funds back that were taken from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2017-09-12
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I was alerted by the news media that Equifax experienced a cyber security hack on XXXX XXXX, XXXX. I used their provided website XXXX to see if my information was compromised and the response I received was " Based on the information provided, we believe that your personal information may have been impacted by this incident ... Your enrollment date for TrustedID XXXX is : XXXX XXXX Please be sure to mark your calendar. '' Because of this, I am in the process of freezing all credit reporting with XXXX XXXX Freeze, Equifax XXXX XXXX, XXXX XXXX Freeze, and XXXX XXXX Freeze. I have also requested a free fraud alert with Equifax to be reported to all other credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: EQUIFAX, INC.
State: FL
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 and Equifax have yet to provide me with their methods of Verification for a XXXX loan on my report this account is showing several inaccurate things like XX/XX/2021 changing the account from charge off to on time. Along with several different opening and closing dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have an Apple Card ( XXXX ) issued by XXXX XXXX. An important feature of the card is the ability to buy XXXX products on an installment plan with 0 % interest for 24 months. I took advantage of this offer and bought an items for {$1400.00}. on XX/XX/2021. 

I have faithfully always paid the full amount due monthly on the card since that time. 

I also used the card to make unrelated purchases from non-Apple merchants. One of those purchases needed to be refunded. The merchant refunded the money to my card. Note that this was after I had paid the balance on the card. I assumed that like any other credit card I would then have a negative balance on the card and could then get a check issued to me ( as per 1026.11 of the Truth in Lending act ). 

However, even though I have a negative balance on the card Goldman Sachs has refused to remit the funds to me. Instead they are holding the money and claim that they will apply it to any amounts I may owe in the future on a monthly basis. According to Goldman Sachs ' representatives this is because I opted to use the 24 month interest free offer. 

This is a clear violation of the Truth in Lending Act -- - and also unreasonably changes the terms of the 24 month interest free purchase ( which even they call an " installment '' plan ) after the fact. It is unethical and penalizes me for being a savvy/ethical consumer who always pays off his credit cards. Effectively they have turned a non-secured credit line into a secured credit line by holding my refund XXXX. 

I have raised this issue with Goldman Sachs customer service, escalated it to a supervisor and finally reached out to the executive offices of Goldman Sachs ( via XXXX ). They insist on holding on to the funds. 

Note that I have always paid what is due on the card. 

Any assistance would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: NY
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that 3 Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$5800.00}.

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 explanation
Consumer complaint received 2022-09-05
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing claim I owe $ XXXX on a XXXX mortgage. 

I have not paid a XXXX mortgage in over 10 years. When I modified or restructured my XXXX XXXX back in 2009 with the XXXX program the agent said my XXXX mortgage was forgiven or discharged because of my financial situation and my home being underwater. 

I have requested a payoff but it was for $ XXXX. 

The original balance was $ XXXX I have not received a statement in over 10 years. I requested a debt validation from 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 2023-08-23
Company: WELLS FARGO & COMPANY
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I received a fraudulent credit card from Wells Fargo and have called approximately 50 times trying to find someone there that would cancel it and remove my personal information from their system so they can not open more fraud accounts in my name. On one call a person claiming to be a manager at the executive branch guaranteed me the account was closed and he would submit to remove my information and gave me his phone number which turned out to be also fake. He did not close the account, i am still getting email and letters about it and he did not remove my information from the system or I would not be getting emails and letters!!! I tried going thru wells fargo website to have my information removed and it wants EVEN MORE PERSONAL INFORMATION!! I am not giving this fraud bank more information! So they can open more fraud accounts??!!

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 2019-04-20
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been trying to resolve an issue with Synchrony Bank on a XXXX XXXX credit card/promotional purchase initiated last XXXX and autopaid by setting up on Synchrony 's website, in equal amounts on the payment due date prior to the offer expiry to not be charged interest. 

We found out that Synchrony had been incorrectly registering the payment the DAY AFTER the due date, resulting in increasing late fees and then interest every cycle. They also kept making numerous harrassing phone calls and leaving messages several times a day. 

We have spoken with their contact center several times, the calls lasting at least an hour, with requests for escalation and to remove the charges. We had several extortion-like requests to pay part of this fraudulent balance if they would take off interest and one late payment, and conflicting statements from every person we spoke to. This last call today was finally escalated to a supposed manager who was rude an refused to do anything. Upon request to talk to someone above her at a VP level and be transferred to a US based person, was placed on hold again for 20 minutes then disconnected. 

They are basically trying to strong-arm money for a mistake they made, and do so by trying to wear you out over the course of the call, putting you on hold numerous times, promising to put you in with a specialist, then coming back on the line with extortion to get you to pay. 

I want my credit to not be affected and the " balance '' erased. I paid this in full on time with way more than the minimum payment each cycle to meet the terms of the offer. 

XXXX XXXX, who I have been going to for decades, also needs to address this with their management and the use of this bank for their credit accounts. Already know they became Synchrony from GE Cap due to their continuing fraudulent practices. 

PLEASE HELP!

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 2023-08-23
Company: TRUIST FINANCIAL CORPORATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My identity was stolen in XXXX as part of the XXXX XXXXXXXX XXXX data breach. My Truist Credit card was used to make 7 fraudulent charges on XX/XX/XXXX and I reported these charges to Truist immediately ( claim # XXXX  XXXX ). Within days, 6 out of 7 of those charges disappeared from my statement in response to the fraud claim and my money was " refunded ''. However, one {$120.00} charge to XXXX XXXX. XXXX remained on my statement despite Truist claiming that they " refunded '' me. I reopened the claim in XXXX and had it escalated due to the fact that 90 days had elapsed and {$120.00} was still appearing on my credit card statements ( claim # XXXX ). I received a third claim # XXXX  XXXX for the second escalation on XX/XX/2023. I am now being charged interest on those unpaid statements related to the fraudulent charges. 

In total, I've made calls to Truist on the following days over the last 6 months trying to resolve the issue : - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX Each time these calls last at least an hour and each time supervisors are unable to resolve my issue- the most they can do is escalate this with their fraud department.

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 2022-09-05
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: Experian Information Solutions 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:
In correspondence dated XXXX XXXX I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries. 
Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.

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