BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-21
Company: BARCLAYS BANK DELAWARE
State: TX
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:
I have been a customer with XXXX credit cards for over 4 years and opened XXXX XXXX XXXX in XXXX XXXX. All of a sudden in XXXX XXXX they closed my account saying " Your history of account usage '' and no other details. They advertise the reward points equal to XXXX cent towards travel charges and another 5 % back making each point worth XXXX cents. I have been saving up points towards my winter vacation. As of the closure I had XXXX points which equal to {$1400.00}. 
But they credited only {$710.00} at the rate of XXXX cents per point. 
So they owe me back {$780.00} They can not take my money away by closing the account abruptly at their discretion. I do not mind them closing the account and I can take my business to somewhere more honest and respectable. I want the money that I deserve.

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 2017-09-21
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a online checking account with TD bank. Other than routine disclosures that I could print off, I was not provided with a signature card or any additional disclosures regarding check holds or access to funds. They advertise that they clear checks in one day. I deposited a {$500.00} work expense check through mobile banking thinking it would be available the next day and instead they put a 12 business day hold on the check and did not notify me of this either at time of deposit or afterward. I would never had deposited it otherwise. I had to contact them to find out what was going on. Since it was my work expenses and I absolutely needed the money for work, I did something I never do and re-deposited the check in my other bank where it cleared overnight. I knew that it would bounce back to TD and I would have to cover it, but since they had never notified me of their additional hold policy it was really their fault. As I thought, the check bounced back to TD. I had my wife go in on XX/XX/XXXX  and deposit a {$2500.00} check to cover the amount that bounced back and show my good faith by putting additional money in. I found out after that deposit that once again they had put a 12 business day hold on the check, that once again I was not notified of at time of deposit nor afterwards. I went in to close the account out and even though the funds were showing as completely available via their website and mobile app, that was when they told me there was a hold on it. They told me I could not access it until after XX/XX/XXXX. I inquired with the bank the check was written from and informed that the funds were transferred to TD bank on XX/XX/XXXX. I just inquired today with thier online banking department if the hold was released and I could come in and close out the account and was informed that the hold is still on my funds. I am very irate. Especially since none of these holds or polices were ever communicated to me either by teller, email, text, nothing. TD was also upset because I did n't have a signature card, well they never sent me one to sign!!!! How is that my fault? They blame thier ineptitude on me and call me suspicious. I think what 's suspicious is thier business practices or lack of them. I just want to close out my account and get my money back and I ca n't even do it after they have had my money for almost a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. 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 XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Ascent Holding Co
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
Details of the loan : Lender Name XXXX XXXX XXXX XXXX Loan Type Private Loan Status In Deferment or Forbearance Original First Disbursement Date XX/XX/2022 Total Disbursed Amount {$12000.00} Total Capped Interest {$0.00} Current Principal Balance {$12000.00} Outstanding Interest {$670.00} Current Interest Rate 10.500 % I was misled into taking out a loan for XXXX XXXX. The XXXX was of poor quality, subpar, I did not receive the quality of education or program promised. I did times where I did not have a mentor that I paid for. XXXX had lied about their job prospects after graduating, their " partners/affiliates '' of which neither I nor any of my colleagues ever received a list of who these partners were. XXXX also stopped providing me careers support which was also a part of the program that this loan had paid for, immediately making me ineligible for their refund guarantee ( due to a XXXX complaint. XXXX had been informed about the XXXX  complaint and reviews before any of them had been posted. XXXX indicated that this was of no concern for them and then proceeded to block me from all careers support as soon as I had posted them ). XXXX 's XXXX is in itself, essentially impossible to achieve because of certain requirements. For example, all capstones and mock interviews must be done within two attempts. However, during capstone projects the graders can ask for endless amount of revisions, those revisions can come out of nowhere and do not have to be part of any project requirements. XXXX can easily fail student attempts twice for any reason ( even something as simple as font color, adding extra features etc. ) and immediately disqualify them. I have added a file here which details abuses from XXXX in great detail.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I recently discovered XX/XX/XXXX that I fell victim to EDD fraud in XXXX. I discovered this accidentally, but Im glad I did. I have filed a police report, made a hand written statement and provided my identification to Bank of America EDD claims. There is no time limit on fraud. If I would have known sooner, I would have reported it sooner, but I reported it as soon as I found out. Someone was in complete possession of my card that I had no idea had even been issued out, with a complete payment history. I filed a claim with Bank of America claims immediately it is now been 24 business days and I have been denied provisional credit and I have been told it will take more than 90 days to complete this investigation. This was money that was rightfully mine and was stolen from me. I provided all that I can as far as a police report, my hand written, statement and identification. I have not had any correspondence from them via mail, phone or email. I was told I would receive provisional credit after 10 days. As I am facing hardship, and the money is rightfully mine. It has now been 24 business days and there has been no update on the case. In fact, an agent on the phone told me they havent done anything and they can give me a provisional credit while they investigate because it will take so long but they havent. I am already having a hard time knowing that all of this money was taken from me and I know that they will come to find that out. Its only a matter of time, but in the meantime, I really needed that money then and I need it now and I dont think its right that they will not offer me even half provisionary credit during the time of their investigation that may take over three months And are not providing any kind of solution or compromise for 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 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( " FCRA '' ) I would like all of my closed accounts removed. Many of these acts fall under the statute of limitations or are misreporting on my credit report. These accounts are closed and should not be on my credit report as open or reflecting balances. 

Account Name : XXXX XXXX XXXXXXXX Date Filed : XX/XX/XXXX Type of Account : XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Number : Reason : ( XXXX ) XXXX Account Name : XXXX Date Filed : XXXX XXXX, XXXX Type of Account : FRAUD Address : XXXX XXXX XXXX XXXX XXXX, TN XXXX Account Name : XXXX XXXX  Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Number : XXXX : ( XXXX ) XXXX Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account Name XXXX XXXX  XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, NV XXXX Number : Reason : ( XXXX ) XXXX account paid never late closed Account Name : XXXX XXXX  Date Filed XXXX XXXX Type of Account : credit card Address : XXXX XXXX XXXX XXXX, NY XXXX XXXX : XXXX XXXX ) XXXX Reason : credit card filed lost never closed, paid in full marked incorrect Account Name : XXXX XXXX XXXX  Date Filed : XXXX Type of Account : FRAUD Credit card Address : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX : XXXX XXXX ) XXXX Reason : Account open fraudulently six years ago, marked as closed and paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
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 XXXX XXXX and Im submitting this complaint myself and there is no third party involved. Portfolio Recovery Services has committed numerous violation against me but not limited to 15 USC 1692g, they did not provide with the name and and address of the original creditor and did not provide the information outlined by 1692g within the 5 day timeframe. They have committed Mail fraud pursuant to 18 USC 1341. They have violated 15 USC 1692e ( 7 ) by implying that I conducted myself in a disgraceful manner by not paying a debt and 15 USC 1692e ( 10 ) by claiming that an alleged debt was valid and stating that I owe an alleged debt when I asked for debt verification that they did not provide. They violated 15 USC 1692e ( 2 ) ( A ) by falsely reporting that I owe an alleged debt that I do not owe. 15 USC 1692b. Portfolio Recovery violated 15 USC 1681 ( a ) and 15 USC 1681b ( 2 ) by reporting inaccurate information to credit reporting agencies and doing so without my written instructions. They have also violated my privacy pursuant to 15 USC 6801 ( a ) and numerous other violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-20
Company: Credit Karma, LLC
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: Information belongs to someone else

Complaint:
So on XX/XX/2018 I get a update from credit karma stating that XXXX has been removed from my XXXX  credit file..I contacted XXXX  and they stated that XXXX stated that the account belongs to me ... I contacted XXXX  numerous of times and ask them since the account is paid in full can they remove it from my account Im getting fraudulent fees back from XXXX and XXXX but XXXX XXXX said they will update my information and late payments are still showing which is wrong. XXXX  keep updating with credit karma that account is remove which now they saying it was updated to change account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
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:
I have notified Capital One Auto Finance that they are inaccurately reporting that I was late from XXXX XXXX - XXXX XXXX. I have asked them to provide me with proof of these late reportings. They have not provide this information to me. I have never been late from XXXX XXXX - XXXX XXXX. Please assist me in getting these late reportings removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: Atlanticus Services Corporation
State: RI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I decided to have XXXX  XXXX back in early XX/XX/2014. The office that did the procedure connected me with XXXX/XXXX  ( acct number XXXX ) to finance this procedure. I had the procedure and continued to pay them until this was paid off. They currently have not updated my credit report since XX/XX/2014. I am trying to get a mortgage and this account is killing me. I have called the company ( XXXX ) and pleaded with them to give me some type of letter or info as to the status of my loan. They refused to give me this information. I am now unable to get my mortgage approved without the updated status of this loan. 

I need help to resolve this. 

Please help me to resolve this ASAP. 

Sincerely XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/29 I received an email saying my account was overdrawn by over {$480.00} and instantly checked my account and saw Wells Fargo took money out of my account without informing me first that they made an error with one of the claims I had in dispute. The amount of the claim was for {$650.00} and the investigation was completed and my money was returned into my account due to it being unauthorized. After XXXX I go to pay bills and money is just gone and they just said Im liable for this costs even though it was a FINAL CREDIT not PROVISIONAL CREDIT. They said they made an error and overpaid me which I can somewhat understand, but why wasnt I notified earlier or before my account was just charged without any explanation. I want my money back plus extra for stress and causing me to be behind on bills. Something must be done.

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 2018-09-07
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ideal collection services is falsely adding a collections account to my credit report. I was NEVER contacted by this company in regards to such claim. I was never provided any documents, i was spoken to very rudely when i called them. I was advised from them to send a copy of my ID & Affidavit to dispute this issue. Which i did! But still no response from them. They have refused to remove this item from my credit report. They're very unprofessional and spoke to me so disrespectfully. I am very concerned with what they're going to do with my personal information that was sent to dispute this negative item on my credit report. 

I was not given a fair shot to dispute this information before it affected my credit report, which violated my rights. Then i sent in all the correct supporting documents ( which was advised from them ) and they still never communicated back to me by removing this item, never sent me any details about this false account. I want this item removed from my credit report, as it is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
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:
I was solicited by HSBC Bank for its credit card from XXXX to XXXX XXXX.  Each time they offer XXXX rewards after spending XXXX  in the first 3 months.  I applied one in XXXX and got a HSBC MasterCard before XXXX XXXX.  I spent more than XXXX on it in the first 3 months.  When I asked HSBC for my rewards in XXXX XXXX, I was told to wait for a few weeks.  Same thing happened when I asked again in May.  Then I told them in XXXX  XXXX that it's more than a few weeks, the HSBC rep told me that I needed to spend XXXX XXXXn order to get the XXXX rewards.  I said their offer only asked for spending XXXX.  The rep insisted it was XXXX and I was disqualified.  HSBC moved the goal pole from their soliciting offer (from XXXX to XXXX).  This is a clear case of bait-and-switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below 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, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-13
Company: SUNTRUST BANKS, INC.
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
We are a XXXX  mystery shopping company that seem to be the victim of phishing. 
We are getting claims of us shoppers that they are contacted in our name to cash a check. And then probably transfer the money back to the firm. 
They are being contacted thru email and we already got the domain name blocked by the domain provider. 
And have send out a warning mail to all US shoppers signed up with us. 

Attached you will find one of the checks the shoppers received and the letter that was send with it. 
They are contacting the people thru XXXX ( XXXX ) XXXX and XXXX ( XXXX ) XXXX. 
What can we do to stop this fraud? Is there a possibility to block these phone numbers or can we have the checks blocked by the bank?

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