BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-24
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Six days already like CITI Bank refused, first, to satisfy my actions for  transfer by XXXX to transfer my money {$1800.00} to XXXX XXXX  recipient. CITI Bank keeps my account blocked from me completely and did not allow to use XXXX transfer from my account. They make fun of me and play stupid. I asked recipient to request money from my account and the same thing happened, Citi Bank denied that request also. It is known road for transfer by XXXX that was performed before in the past.

Do you know how long it takes to get transfer by XXXX? My request for XXXX was denied. Citi Bank did not allow me to transfer money by XXXX. I asked the recipient XXXX XXXX to do it from his side. He did it at my request for the same amount of money. XXXX XXXX did not get the money from my account too. I have money on my account that was supposed to be transferred to the recipient of XXXX XXXX account. The payment to XXXX was scheduled and the transaction fell. Who is responsible for all this mess? CiTi Bank still refused to unlock my money and continue to keep my money away from me under their control. Is that criminal?

CiTi Bank did not ask me in the past to confirm the payment by XXXX to the same recipient and now they did and they blocked me from that action too. Some criminal at CiTi Bank just making a mockery over me and everybody assisting that criminal and every my call denied for assistance.

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 2020-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On Friday, XX/XX/XXXX, I made a purchase through XXXX to my Bank of America card that I've owned and used for over 16 years.

Within minutes I was informed that my payment was declined. Because many companies charge users for non-payment on a credit card, I panicked and tried desperately to call Bank of America credit services. First of all, the answering assistant would not let me through, as none of their options fit what I was calling about. I finally got through by pressing 0 about 30 times.
But then I was informed that the payment was declined because of security, a fraudulent charge. As I've had the card for over 16 years, this answer did not make sense. I have used it numerous times via XXXX  and never had any issues with it, paying that way.

I asked for a supervisor and got nowhere. The first agent just put me back into the same call group and I had to wait and wait and wait for another agent to answer and then I had to go through all the explanations all over again. Again a request for a supervisor got ignored.

I was transferred again to another agent who was supposed to be a specialist on fraud ( of course, I was not calling about fraud! ), and he said yes, the payment was declined, but then it was approved. But he would not explain to me why it was declined in the first place - remember, I had used it numerous times in this manner before and there was never any problem. 

On Saturday XX/XX/XXXX, I checked and the payment still had not shown up on my credit card ( it was pending ) and I still had not gotten an answer as to why it was initially declined, which caused me so much stress.

I called again and asked for a Manager. I fought my way through the answering assistant again and then asked for a Manager. 20 minutes later, the person who had put me on hold said she could not get a manager and that I should call back later.
I did. I fought my way through the answering assistant again and this time I got a representative from New Mexico. No answers, and again I was transferred to a fraud specialist.

That specialist ( she said she was in Maryland ) was the most rude, condescending and hateful representative I have ever talked with. Again, no answers, and I was tired of her addressing disrespectfully.

At this point, I really have no one respond as to why the payment was declined. No one can explain what triggered the decline or why. I never got to talk with a Manager. Despite the fact that I have used
this card to purchase on XXXX  via XXXX many times in the past, no one could explain why this happened.

Truly an awful experience and an awful company to do business with.

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 2018-02-27
Company: Mirand Response Systems, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/XXXX contacted by XXXX XXXX # XXXX employed by Mirand Response Systems regarding collection of a XXXX XXXX   overdraft of {$700.00}. The associate was extremely rude and used communicative tactics that were definitely out of compliance as well as bullying verbage. 
XX/XX/XXXX contacted by XXXX XXXX # XXXX employed by Mirand Response Systems regarding collection of {$700.00} overdraft. Once again the same young lady was EXTREMELY rude with her verbal tactics. She asked me questions that I answered without hesitation but was not happy with me stating I was paying the debt directly to the bank. She commenced to state " it's too early for you to be this rude ''. I hung up and called back and specifically asked XXXX for a Manager. I was forwarded to XXXX XXXX XXXX # XXXX who informed me he was not a Manager, but a supervisor. I clarified his statement by saying " A floor Supervisor is a Lead, not a Manager '' and I requested a Manager once again. XXXX XXXX  stated the Manager, XXXX XXXX, was not available and would call me back. Due to the fact that he was also tiptoeing on the line of lack of professionalism, I requested to speak to Human Resources or the individual with stature above him that was currently present and was again denied. XXXX stated that the company protocol was to speak to a manager before anyone else. When I reconfirmed there was still no Manager per his advisement so I needed to speak to a higher ranked individual, he repeated company protocol. I then asked XXXX XXXX # XXXX what date was the quoted handbook created, updated or revised he could not answer me and began to state I'm asking for information that has nothing to do with my debt. When I asked XXXX why he couldn't process my complaints, he stated a Manager has to do that which I know to be incorrect as a former XXXX XXXX in the XXXX XXXX of a XXXX XXXX XXXX. I plan on filing a lawsuit against this company in the near future as well as filing additional complaints with the XXXX XXXX XXXX and The Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-28
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I also want to inform you that you have indeed federally violated my consumer rights as a consumer. The federal law under the FDCPA stated as in order to disclose my personal information you have to have my written consent and also there is no disclosure with an opt in or option notice requirement which is under 15 USC 6802. There was never a disclosure that exercised my nondisclosure option for this reason you have committed a FEDERAL FRAUDULENT ACT by making me feel you were supposed to have my personal information which is unlawful making you liable also under the 15 U.S Code 1640 Civil Liability section. I also have the right to privacy as a consumer which is stated in 15 USC 1681 ( 4 ). You dont have the right to furnish my information on my consumer report stated by law. If you have the permission to furnace my report I need to see a contract with my permission that allowed you to do this in the first place so please produce a contract that granted you the permission to furnish my report & if so reply back in affidavit form and have a senior executive or yourself create an affidavit with it being notarized. If there is no permission consent delete the following accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: JPMORGAN CHASE & CO.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX XX/XX/2021 I transferred {$380.00} via mobile phone app from XXXX XXXX  account into my personal checking account with Chase Bank. I later discovered XXXX XXXX  flagged the account for fraud, notified the Chase Bank Fraud Department which later restricted access to the account. On XXXX XX/XX/2021 when I went inside the XXXX, WA branch on XXXX XXXX XXXX XXXX and presented my credentials to withdraw money, the banker confirmed the account restrictions. Later via telephone conversations, the banker stated the issues originated from my social security number. 
Later that evening, the Fraud Department from Chase Bank denied access to all accounts. The telephone customer service agents were neither forthcoming nor forthright with specific information regarding the circumstances about the account. No one from the Fraud Department was available to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: EQUIFAX, INC.
State: AR
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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX {$100.00} XXXX/XXXX XXXX {$250.00} XXXX XXXX XXXX {$18000.00} XXXX  XXXX {$1600.00} XXXX XXXX {$2200.00} XXXX XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had a bank account with Wells Fargo about a year ago Ill open up the account XXXX   XXXX  friendly one of my account and try to take {$100.00} out of my account I noticed when I was at work Ill call Wells Fargo let them know that it was a fraudulent transaction they denied my claim and I told him I want to close that account because Im not using that account anymore I have a new account I accident on todays date the XXXX to close the account again any constantly keep giving me problems by closing the 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 2020-10-24
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
To me this boils down to one overarching issue and I can only guess that I'm just 1 of 100 's of thousands of Americans who have experienced this. 

Issue : XXXX/PayPal XXXX have too much reliance upon automated algorithms for customer account security at the expense of simply allowing customers to prove account ownership via answering questions. Both companies claim they have limited parameters for consumer questions and when exhausted can not provide account access. 

Their response is simply to " open a new account '' and will not provide any reasons for such actions. 

Consumer recourse to reach a human agent on the phone of either company is nested so deep in their websites that it is nearly impossible to reach a human agent for timely resolution of account issues. 

Additionally, when those resources are found within their websites many times it then asks for the consumer to login to make contact with the company from the same accounts they are currently locked out of. Thus creating a loop where the consumer has even more limited options of reaching the company for assistance. 

Timeline : XX/XX/2020 - I spent 3 hours tediously web chatting with eBay until finally reaching an agent on the phone who was able to provide access. 

XX/XX/XXXX. 2020 - I spent 2 hours tediously web chatting with PayPal and was never able to speak with an agent. My account access was never restored during that time even after answering all of their questions with 100 % accuracy. 

These two dates only represent account lockouts happening since I began documenting the interactions across the XXXX/PayPal XXXX as there have been multiple prior occurrences even though I use both companies very infrequently. 

It's also worth noting the account lockouts occurred after I had successfully logged in to XXXX and PayPal respectively earlier on both days prior to the account lockout.

These two dates also represent the longest periods of account lockout and in the case of PayPal, there is no resolution to-date.

In the case of PayPal which is a registered XXXX XXXX XXXX ( XXXX Registration Number : XXXX ) with XXXX, Im amazed that they are able to wield so much power over consumer finances yet offer so little consumer service and fair reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: FORD MOTOR CREDIT CO.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
This issue concerns a 2-year lease of a XXXX Ford XXXX XXXX financed through Ford Credit. The Ford Credit account number is XXXX XXXX. The attached letter ( which was sent to Ford Credit 's dispute department immediately after the events at issue ) provides substantially more detail on the sequence of events, including exhibits consisting of screenshots of my account. 

In short : I wanted to execute a lease extension in XX/XX/XXXX. Ford Credit had a very difficult time getting me thXXXX XXXX links to actually execute the extension, and numerous representatives gave me conflicting information about what I needed to do to access the form -- not to fill it out, just to literally access it. For this reason, it took over a month to execute a simple document.

This obviously caused some issue at Ford Credit, because after the extension, they never sent me any statements, in any format, and I had no way to know what the balance was or when to pay it. Then a month after the extension was signed, Ford Credit reported my account as delinquent to the credit reporting agencies. I tried to challenge the only way they allow ( mailing a literal letter to XXXX, Nebraska ). They have not responded. 

For further detail, please review the attached letter and exhibits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-10
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Credit Collection Practice Act ( FCRA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded.

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I received my statement for XX/XX/2021 showing that I had not made any payment in XXXX of XXXX. The bank is demanding that I pay double payments to make up for the missing payment, as well as penalties. The payment was made on XX/XX/2021, which is the same day that their statement was sent to me. The payment is not actually due until the XXXX of the month, so the bank is saying that I made the payment too early, and therefore they credited it to my principal, but would not count it as a payment, even though my online statement shows " Payment Received on XX/XX/2021. I called their customer service, and was told that since I made the payment early, that I had to pay it again, because they will not count the payment I made. I also had {$1000.00} sent to that account from the XXXXXXXX that I used the card for, since my service did not cost as much as expected. This payment was made almost XXXX weeks before my XXXX due date of the XXXX. Again, they are refusing to allow me to use any portion of this as a payment, and are sending me e-mail, text, and phone messages daily demanding XXXX months payments, plus penalties. I have always made my payments on time to these people, but apparently they believe they have the right to charge me any amount they wish at any 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 monetary relief
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio recovery is furnishing multiple different amount over different reporting agencies and different information about the same debt along with information they got from pulling my credit history without my consent. Every month they change the payment, payment delinquent date, and other information, I disputed the account multiple times and every time they just put something they stole from my credit report, change something and keeps the collections on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: CA
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 XXXX Upon reviewing consumer report # XXXX for XXXX XXXX XXXX appears deceptive and suspicious. This report has cause me to be a risk and not credit worthy with various names, addresses, and deceptive reporting. This has blocked XXXX XXXX from being able to use and extend credit. 
XXXX XXXX has a grave responsibility as the report referenced has XXXX XXXX being denied credit and adverse action taken by persons of common affiliation. I Deny Any and all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: SYNCHRONY FINANCIAL
State: IL
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:
Firstly : Last month my XXXX Credit Card was shut off and in limbo for several days. Calling anyone was worthless.

Syncrony is their bank.

Issued a new card. Now as usual I can not pay a monthly bill by phone ...

Due to a one eyed one eared computer on auto pilot. Which wastes all my time every time I call. Voice or number prompts are useless. A whitewash of service gone completely wild.

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 2018-08-10
Company: Account Brokers Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been fighting with a collection agency over debt from XX/XX/XXXX. The statute of limitations has been reached, twice, and they are filing another court case against me. 
The original case was filed in XX/XX/XXXXand they weren't able to collect the debt then, and now my wages are set to be garnished. I didn't even know they were going to do this. I have not had any communication with them since I last spoke with their lawyer and informed him that the file dates were beyond the statute of limitations. Now the court docket does not have any lawyer information on it, only the company that is suing me for debt that was charged off over 11 years ago. 

Collection agency : Account Brokers of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , CO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I contacted XXXX XXXX XXXX XXXX in XX/XX/XXXX to discuss a balance of {$53.00} showing on my credit profile. After sometime the agent told me that they could not locate my account information, I asked the agent why are they reporting to the credit bureaus about an account they have no record of existing? The agent advised me that they would stop immediately reporting and that the account would be removed from reporting status. 

I fast forward to today XX/XX/XXXX and I while reviewing my creditwise I see XXXX XXXX XXXX XXXX Charge Off in the amount of {$53.00}. They have attempted to collect on a debt that they have no record ever existed and they also have lied by stating they would not report a ghost debt.

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