BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2018, I discovered that my recently ordered Bank of America ( BOA ) debit card, with a MasterCard logo, was automatically charged {$24.00} by XXXX, but without my knowledge or consent. Although XXXX  did not have my debit card 's new account number, I was quite devastated when they were still able to charge my new bank card. This odd transaction had prompt me to quickly contact Bank of America to hopefully try to resolve this issue. Within my 1 hour & 20 minute recorded phone call with a very unprofessional woman named XXXX XXXX ( BOA Customer Service Representative : XXXX ), I eventually learned that I was enrolled into a BOA Account Updater VISA-MasterCard program. According to XXXX XXXX, this BOA program would automatically update my XXXX  merchant account with my new bank card information, but only when I chose to order a new bank card with a new account number. Unfortunately, when I asked XXXX XXXX to immediately " cancel '' this highly corrupt and unfair program, I was shockingly told that I did not have the authority to do so. XXXX XXXX also implied that when I initially signed my BOA debit card agreement, I unknowingly " waived '' my right to cancel this program and I automatically gave XXXX and any other merchant the authority to apply new charges to my new BOA debit card account.

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 2020-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX fail to remove an inquiry off my credit report, the inquiry is by capital one .I want this inquiry removed its fraud, XXXX has caused numerous of problems when I been trying to dispute this information and has rejected from helping me, Im filing this complaint and will attach a screen shot and a FTC identity theft report to this complaint, DO NOT PUT NO FRAUD ALERT on my credit report, you do not have permission to add anything at all, XXXX has transferred me constantly and hung up on me .I want this inquiry removed off my report .I can dispute anything I do not recognize on my report and anything fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Subject : Urgent Request for Assistance, RE : PayPal Dear Madam or Sir, PayPal will not return {$1500.00} to me that rightfully belongs to me. On XX/XX/2018, I accidentally transferred money from my XXXX XXXX  account to PayPal. I intended to transfer money from my husband 's account in another bank. Now PayPal will not let me transfer my money back into my account. 

The issue is that PayPal requires me to have a US mobil phone number to verify my identity. But because I moved permanently to XXXX I cancelled my US mobil account and now have a XXXX XXXX phone that PayPal 's security system will not accept. PayPal so far will not accept any other form of identification although I have provided my passport to PayPal. 

Over the past month and numerous phone conversations with PayPal the situation remains that PayPal has to override its security algorithm to allow me to regain possession of my money from PayPal. Meanwhile PayPal collects interest on my money in its bank account Im assuming ( while claiming not to be a banking service ) and refuses to return my money to my US bank account. It must be noted PayPal had no problem transferring my money from my account to PayPal. 

PayPal said it needed to update my PayPal account when I moved to XXXX, but I did not anticipate the Catch-22 kind of situation that has since occurred. I was advised in the last conversation with PayPal on XX/XX/2018, that the only way PayPal will return my money is if I return to the US and open another mobil account to verify my identity, a solution that is totally unreasonable and financially prohibitive. 

I hope your office will be able to assist me in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-14
Company: Auto Trakk, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/19 Autotrakk Llc was provided written notice of dispute regarding a repossession being reported inaccurately on my credit file via certified USPS mail. I challenged Autotrakk to provide the proper notices to cure for the said repossession and their ability to report this debt on my credit file. After the repo i was never provided any notice to cure, i did not receive any notice of where the vehicle was being sold or where i may purchase the vehicle back, nor was i sent a deficiency notice. these are all violations of state and federal laws including the FDCPA and the FCRA as well as RISA and XXXX. South Carolina law UCC section35-5-111 and 110 also states that deficiency can not be claimed unless all of the required notices were properly and timely given and all allowable cure time limits were adhered to. 
Autotrakk was given 14 days to provide these notices or delete this inaccurate information from my credit file. they have failed to provide these notices and have yet to delete this from my credit file i demand immediate removal from my credit file or i may exercise my right to file legal action against Autotrakk LLC for failure to provide notices as well as false reporting on my credit file. if Autotrakk removes this information from my credit file within 30 days i will consider this matter resolved. please find attatched the copy of the original letter and certified mail receipt that was sent to autotakk.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
My husband noticed a fraudent charge on my credit card bill while I was overseas. The amount was {$1200.00}.

After contacting the credit card they refused to dispute the fraudent transaction and will not credit me back.

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 2020-06-04
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
I was sent an email on XX/XX/XXXX, but not just an ordinary email but to my school email. The scammer basically told me that he was a professor teaching disabled students abroad, and was in need of an assistant until he got back home ( XXXX ). The pay seemed nice and so I accepted the offer. On XX/XX/XXXX he had sent me a ( fake ) check of {$1900.00} to be deposited in my bank and I was to help pay for a security deposit of {$1400.00}. On XX/XX/XXXX I deposited the check, and on XX/XX/XXXX I sent two cashapp payments of {$400.00}. On XX/XX/XXXX I sent two payments off XXXX . Everything seemed normal until today XX/XX/XXXX my bank was in the negative {$1100.00}. I called my bank today XX/XX/XXXX and they told me that since I had already deposited the check and they gave me the money there's no way I could get the money back. They told me to resort to the police.

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 2020-09-24
Company: U.S. BANCORP
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
The reason for filing is complaint is I sold a car but the fund mystically disappeared within two US bank accounts. 

The whole story : I sold one of my car to a local car dealership and received a check with {$21000.00} from the dealer. I made the first deposit with the check via an ATM on XX/XX/XXXX, and my bank record showed the check was reversed on XX/XX/XXXX because it was over the limit of depositing a check via an ATM. I received the check about one week later. And I deposited the return check over the counter of a local US bank branch and did what was asked from the branch account manager on XX/XX/XXXX. My account showed the check was returned again on XX/XX/XXXX. When I called US bank customer service hot line, I was told the check was returned because it was a duplicate check. The representative told me he was 100 % sure the fund was routed back to dealership 's bank account. But when I stopped by the dealership, their financial department told me the fund was not returned to their account. From what they could see from their account, that fund was showing was cashed on XX/XX/XXXX. And there was no any pending transactions or indication that the fund was going back to them. So I went back to a local branch on XX/XX/XXXX and tried to figure out. The branch account manager said she could only see the check was returned from my account and I should talk to the dealer 's financial department to initiate a claim from their side so that US bank can look into where the fund went. So I pushed the dealer to make a call with US bank and talked to their account manager to see what they can do. And I received the call from my dealer on XXXX XXXX and saying their account manager said the check was clear. The fund left their account and they wouldn't be able to provide more information on where the fund go. But they could see the fund was deposited into another US bank account. And so far I have made at least 4 calls with US bank, visited US bank branch for 3 times, called 4 times with my dealer and visited 3 times. And no one could tell me where the fund went and why it didn't deposit in my account and how the check was clear. US bank customer service just keeps tell me to go to my dealer and my dealer asks me to talk to US bank. But the fund is disappeared within US bank. 

Thank you for reading the long story! I did not expect it to be this long and time consuming to sell a car and receive the money 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 monetary relief
Consumer complaint received 2018-10-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I deposited {$10000.00} into my HSBC Advance Checking account on XX/XX/2018 and its been 5 months and 3 weeks, however they have yet to give me my {$350.00} new account bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Unable to transfer my money from the service to bank account. Attempts to transfer were made on XX/XX/19. Called to customer service were unable to tell me why transfers to my bank account were being denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Dear Consumer Relations, The reason for me filing this complaint is due to Equifax blocking me from getting access to my credit report. My XXXX XXXX account shows Equifax block receiving updated report since XX/XX/2017. I have contacted Equifax several times to tried to resolved this issue to no avail. When I spoke to a representative about removing the credit freeze from my credit report, " she stated I don't care if you want to remove the freeze from your credit report '' because Equifax decided to keep your report block. I told her this is a violation and that I should be able to have access to my credit file. I am requesting your assistance in helping to resolved this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: SYNCHRONY FINANCIAL
State: UT
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:
I have tried to get a hold of your customer service to find out the status of my arbatration case you guys got the papers 3 weeks ago and signed for them I sent them certified mail what is going on with this I have no updates

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 2019-06-14
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from Freedom Mortgage company ( who is servicing my home loan ) on XX/XX/19 basically telling me that they had completed an escrow evaluation and that I owed them {$2300.00} by XX/XX/XXXX and that my Mortgage payment of {$1600.00} would be increasing to {$2100.00} effective on XX/XX/19. I immediately called the Escrow department and we walked through the escrow payments out and money in over the year that I have owned the house. My initial thought was that my property value had been reassessed but my current tax bill is {$2500.00} per year and this would now be a {$4000.00} increase per year. What Freedom discovered was that they made a payment to a county back in XXXX ( XXXX Co. ) that I do not live in on a house that I do not own. This money was sent back by XXXX County in XXXX and noted as " already paid ''. Once sent back from XXXX County, no internal questions were raised as to why it was sent in the first place. Freedom then sent {$2000.00} back to XXXX County on XX/XX/XXXX and after my escrow account went negative, they sent me the letter stated above. Now I am being told by Freedom 's tax department that until XXXX County send back the {$2000.00} to Freedom, that my escrow account will show negative and a new evaluation can not be performed as it would give the same result. I have until XXXX to rectify the negative balance and make the increased payment and once the money comes back from XXXX County, they will do a new evaluation and if there is an overage ( which there obviously would be ) I would be refunded the overage and my payment would be adjusted back to the proper amount. I asked to speak to a supervisor and was told that I could be transferred to a customer service representative which basically said that the tax department handles these matters and they have TOLD me how it would be handled. I sent a letter ( e-mail ) to the customer support address on Freedom Mortgage 's website this morning and received a form letter response that they would not engage my issue through e-mail but instead would send me a letter by US mail with their response. With the timing of this being critical, I was hoping to have this resolved by XX/XX/19.

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 2020-06-23
Company: Experian Information Solutions Inc.
State: MS
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: Was not notified of investigation status or results

Complaint:
XX/XX/20 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX, XXXX, and Experian. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/20 Today is XX/XX/20 and I still havent heard from these companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: Bread Financial Holdings, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I am two months past due - approx. {$140.00} I have no income at the moment and am not in stable housing. I explained this to several people who have called. I asked them to stop calling me. They increased their calls. I get up to 62 rapid, repeated calls within an hour each day. I have been able to block their numbers but it went on for more than a week. When I tried to call the number back they do not answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX, my wife and I purchased a XXXX XXXX XXXX. We immediately enrolled in auto pay and were instructed to pay the first two payments via check which were cashed on time. The XX/XX/XXXX payment was not drafted by XXXX XXXX and in XX/XX/XXXX I contacted XXXX XXXX, they immediately waived the Late Fee and drafted the payment. Over the last 4 years I have continuously disputed the Delinquency on my credit report. Today I contacted XXXX XXXX again and they gave me the case number that has been passed to the credit bureau 's which is XXXX where they agree that this should not be a delinquent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: WELLS FARGO & COMPANY
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: Didn't receive advertised or promotional terms

Complaint:
Wells Fargo through its GoFarRewards Program offered me a promotion whereby I would receive XXXX GoFarReward if I enrolled in the promotion and made a purchase with XXXX XXXX greater than {$100.00}. 

After enrolling online, on XX/XX/2019, I made a purchase with XXXX XXXX for {$100.00}. 

Since then, Wells Fargo has refused to honor the terms and conditions of the promotion stating I never enrolled in the promotion. This is blatantly false and an attempt to not honor the promotion.

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 2018-03-14
Company: EQUIFAX, INC.
State: OH
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 XXXX of 2017 I was unable to have a security freeze lifted to obtain utility services. After many hours on the phone I was told by Equifax I have 2 different files with 2 different DOB but same SSN. I sent in the documentation they asked for told it would be corrected. Fast forward to XXXX. I go to buy a car find out my score is several hundred points less than XXXX and Experian. Go online to obtain copy no luck the system can't verify me. Call again no one can verify me because I'm still showing two files. A supervisor named XXXX told me what to fax in and what the statement needed to include to correct the errors. The information will be corrected within 72 hours. I faxed all information in on XX/XX/XXXX. Since then I've called every day verifying the information was received and error corrected. I've been told the two files are merged only to call back the next day and talk to more supervisors who tell me no it's not been corrected and they don't know how to correct it. They'll send to the technical department. I can't get a copy of one or both reports. I'm spending several hours a day trying to get answers and no one can help me. I don't know who else to reach out to for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After nearly 2 years of battling back-and-forth for proof of this so called that this company fails to provide proof that it ever existed nor that I ever agreed to such account. Through communication tactics that are unbelievably sleazy and illegal I have yet to receive any proof I ever agreed to anything of the sort will put my name on anything having to do with what they claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
At XX/XX/XXXX, I made a call to American Express MEMBERSHIP REWARDS and told the customer service that I can not transfer my XXXX MR points to XXXX XXXX. He told me that my account was under review to see whether all the transaction met the criteria to earn the bonus MR points ; however, he said that they will fasten the review process and give me a call this week. 

And today is XX/XX/XXXX, I still do not hear back from them and can not transfer my points.

Company response to consumer: Closed with non-monetary relief