BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-02
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
US Bank XXXX XXXX card : Misleading marketing about 0 % interest rate on balance transfer.
After balance transfer complete, entire balance ( transferred ) must be paid in order to avoid interest on new purchases. I was instructed on first call to pay minimum balance + all purchases from prior month and the next statement showed interest as well. After calling a third time, It was explained to me more clearly that UNLESS YOU PAY OFF THE ENTIRE BALANCE, you will get interest on new purchase. I found this language in the small print on the website.
Fine print : Important Facts Please review the promotional offer and/or your Cardmember Agreement for information regarding transactional fees and how interest is charged to your account.
Interest accrues from the transaction date ( unless the promotional rate is 0 % ).
It may take up to two weeks to process promotional checks or balance transfers. Please continue to make payments to those accounts you are paying with the balance transfer to avoid late fees and interest charges You can check to see if the balance transfer has posted to your credit card account by logging in to Online Banking.
You can only avoid interest on new or future purchases if you pay your entire account balance, including any balances you create with the balance transfer offer ( s ), in full by your due date each month, even if your offer has a 0 % APR ( Annual Percentage Rate ).
If your account is set up to be paid in full each month automatically, you will need to modify this option on your account or your entire balance transfer balance will be paid off in full on your next payment date.
You can not use a U.S. Bank balance transfer to to pay off a U.S. Bank credit product.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Greetings. 

On XX/XX/2020, I received a total amount of {$4300.00} via XXXX in my checking account XXXX divided in two transactions : XXXX for {$2200.00} and the XXXX for {$2100.00}. These transactions were payments for virtual currency exchange made on XXXX trading market ( transaction XXXX and XXXX ). Immediately after I deliver the currency, an overdrew amount of {$880.00} appeared in my account, making impossible to use it. After a several calls to your fraud department ( claims XXXX and XXXX ), the only information provided is that my account was under investigation because the issuers of the XXXX transfers called to claim fraud for these transactions. 
On XX/XX/2020 the fraud department of Bank Of America rules in favor of the issuers, even when I prove with the ID of those persons, and localbitcoins conversation logs and transactions receipts, that those persons, in fact made the transfers. 
The direct result of your actions made me in the true scammed person with a total loss of XXXX and {$4300.00}. 
They didnt notice estrange that those transactions were claimed instantly just after I released the currency in trade. They didnt even comply with XXXX Terms and Conditions ( Liability paragraphs ) which actually resume that all transactions are final, and every account owner is responsible for their data security. With this behavior youre just giving scammers the opportunity to get the goods and the money, making XXXX an untrusted service. 
In a recent phone conversation, they promised to send me the report of their investigations and what actually received was two pages saying the funds for the transactions were reversed because of a fraud claim. Which leads me to believe that actually there were no investigation at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Ive been hatched and identity fraud. My online Hatchers keeps accessing my accounts. I cant stop them from going into your data base and accessing my 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 explanation
Consumer complaint received 2018-03-05
Company: SLM CORPORATION
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Sometime in XX/XX/XXXX a loan was issued in my name which I did not apply for or sign for. I found out about the loan from my credit report after {$600.00} of interest had accrued. I called Sallie Mae to inquire as to how they could allow someone to take a loan out in my name without my signature or notifying me. I was told someone had my information and I was stuck with the loan, it was my problem. As interest was accruing and I feared my credit report would be damaged I had to take out a loan to pay Sallie Mae in XX/XX/XXXX. I never received a promissory note, loan terms of agreement or any communication from them regarding this loan prior to it being reported to the credit bureau. I felt like the response I received was very irresponsible and left me feeling angry, taken advantage of, hopeless and without recourse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit report and I saw XXXX XXXX  for XXXX  XXXX  XXXX two companies that I have never done business with. This is result of identity theft and I would like it handled immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX a disputed a missed payment on my auto loan due to Hurricane Laura that hit XXXX XXXX, Louisiana. Our area was declared a natural disaster and I called the bank beforehand. 

The amount was {$700.00} and the loan is through Bank of America. 

I have never missed a payment besides this one.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX has failed hundreds of times to proof this account they are reporting on my Experian report belongs to me, further have they failed to prove that each transaction belongs to be. The reason is because it doesn't and it's causing me severe damage. This has been going on for more than 4 years. 
I already provided them a copy of my Identity Theft report and they refused to honor it although all other creditors honored it.

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 2018-03-04
Company: ENCORE CAPITAL GROUP 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: Old information reappears or never goes away

Complaint:
I had credit insurance which negotiated and paid the original account but a collection company refuses to remove the information from my Credit Report and the original account is very old but it still shows it as open and a only 2 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently noticed a lot of charges on existing cards I've had, so I started to look into all of it. My place of business was broken into and everything was stolen. Including my big safe that held all of my families socials, birth certificates, and cards my husband and I had paid off. We did that so we didn't touch them. Long story short I've attached a reply from XXXX  XXXX when I asked to have the account validated as being mine. It Has some other names and address, which I've never lived in Illinois ever. My point being how are they going to argue the fact and tell me they've sent bills to the address and the phone number proves to be mine. Are these companies able to put things on people 's credit without proving 100 % it's there's? Because my credit is suffering due to these " mistakes ''. It seems to me that they are aloud and able and do it. With a little investigation you can clearly see the name and address are nowhere near close to being mine. Nor have I ever lived in

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 2019-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
inaccurate 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 2018-03-04
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and filed the information with FTC. Even after the FTC File Affidavit was sent to the company with validation and proof of identity theft, the company responded that the debt was mine. My SSN and personal bank information was compromised and the company has yet remove the accounts from my Credit Reports even after filing as a victim of identity theft with 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 explanation
Consumer complaint received 2020-12-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit report and I saw XXXX collecting  for XXXX  XXXX XXXX two companies that I have never done business with. This is result of identity theft and I would like it handled immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently noticed a lot of charges on existing cards I've had, so I started to look into all of it. My place of business was broken into and everything was stolen. Including my big safe that held all of my families socials, birth certificates, and cards my husband and I had paid off. We did that so we didn't touch them. Long story short I've attached a reply from XXXX  XXXX when I asked to have the account validated as being mine. It Has some other names and address, which I've never lived in XXXX  ever. My point being how are they going to argue the fact and tell me they've sent bills to the address and the phone number proves to be mine. Are these companies able to put things on people 's credit without proving 100 % it's there's? Because my credit is suffering due to these " mistakes ''. It seems to me that they are aloud and able and do it. With a little investigation you can clearly see the name and address are nowhere near close to being mine. Nor have I ever lived in

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My AMEX serve card and account is locked. For no reason. I can't add money, I can't use the card. I can't access my online account it says locked. When I call customer service I'm on hold for hours and then the line hangs up. No one is saying what is going on. Customer service is responding to people on twitter who are reporting the same issue but avoiding answering questions or giving any information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-30
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 fraud alerts or security freezes

Complaint:
Experian is marketing a product on their website that is deceptively disguised as a credit freeze/unfreeze. Currently I have a credit freeze on with Experian. I went to their website and created an account to temporarily unfreeze in connection with a loan application. Once on their website, under the " Protection '' page, I encountered a heading that states : " Your Experian file is unlocked '' I take that to mean my credit freeze had been released. In actuality, that statement has no relation to my credit freeze, rather, Experian is using this statement ( " Your Experian file is unlocked '' ) to scare people into buying an Experian product called " XXXX ''. This is a deceptive practice, it should be stopped.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had my unemployment direct deposited into my paypal account and they locked my account and said I can no longer use paypal due to some fraud that happened years before and they have had my money held up since XXXX and give me no way to get it or resolve the issue its been since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
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:
We, XXXX XXXX  and XXXX XXXX XXXX had joint stores credit cards with XXXX XXXX  for XXXX stores and XXXX and XXXX   stores, respectively. Our accounts were opened in 2017 and we had planned to use the credit for a new air conditioning unit and a riding lawn mower. However, while in the market research phase of our pending purchases, our home and state were hit with a devastating hurricane Irma. As a result, we had to delay the pending purchases, due to damages suffered from hurricane Irma and to perform said needed repairs.

Today, we were informed by our credit monitoring service XXXX  that both our accounts were closed by XXXX XXXX. We were never informed by XXXX XXXX or given any opportunity to keep our accounts open. It is very disappointing and financially devastating to us that XXXX XXXX  chose to close our accounts without notifying us. In addition, we were in the process of finalizing our purchases of a new home air conditioning system and a riding lawn mower ( XXXX  is a XXXX  veteran with XXXX XXXX ).

We are seeking assistance from this agency to get our accounts reopened and our credit lines restored!!! Thanks in advance for your kind assistance.

Regards, XXXX XXXX and 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 explanation
Consumer complaint received 2020-11-19
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company is reporting the debt to the credit reporting agencies as a new debt XX/XX/202 but bill was from XX/XX/2014. The bill that the company sent states current patient responsibility is {$0.00} but they are reporting amount owed as {$200.00}. I have asked for the debt to be deleted from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: WorldRemit Corp.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I used worldremit to transfer money from XXXX to XXXX on XX/XX/2021, they guaranty pick up in just 30 minutes, but I waited for more then 10 days and they were telling my recipient to go ti pick up the money. But money wasn't available for pick up even on the XXXX day on XXXX XX/XX/2021 Their consultant was rude to me even after waisting my and the recipients time for more then 10 times and now after the 10th day they are telling me to wait another day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I already filed a case ( XXXX ) with CFPB on AmeriSave challenge with the refinance. The company promised a monetary compensation of {$500.00} as part of the resolution. However, I never received the money. Hence opening a new case to request Amerisave to honor the compensation made to CFPB.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-24
Company: SYNCHRONY FINANCIAL
State: SC
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 XXXX from XXXX XXXX PayPal Credit 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