BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the evening of XX/XX/2019 my credit and debit cards were stolen from my wallet out of the locked locker at my local gym. I realized this on my way home when I began receiving fraud alerts on my phone from the various card companies. I answered each fraud alert and cancelled the cards one by one. The thief managed to charge almost {$5000.00} worth of merchandise on one card, which the card company ( XXXX ) quickly rectified. My XXXX credit card, XXXX XXXX XXXX debit card and HSBC debit card were all used or attempted to be used. XXXX and XXXX XXXX XXXX quickly wiped out any fraudulent charges. I made a police report at the XXXX XXXX in XXXX County on the morning of XX/XX/XXXX. 

HSBC, despite sending me fraud alerts that something was amiss, cleared one charge, but not another transacted at the very same time for {$510.00}. I filed their Fraud Claim Report with them by mail as requested. They claimed they did not receive it. I then faxed it to the number given to me by one of the representatives in their Security & Fraud Risk Department, along with the evidence I will attach here. Repeated calls to the Fraud Department have been met with the same questions regarding the incident and promises to address the charge within 48 hours. 

I have also included an online chat with a representative who promises the funds would be duly credited. The risk officer assigned to my case is named XXXX XXXX at XXXX. Apparently it was this person who claimed the charge was authorized when it clearly was not. I have repeatedly requested a call back from Mr. XXXX. I have yet to receive one a month after the incident, and my account is still debited.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: CITIBANK, N.A.
State: MA
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 had ordered a 300 lb Weight Set XXXX XXXX XXXX XXXX via XXXX and paid {$210.00}. When I received the set was incomplete. I contacted XXXX to ship me more parts they refuse. On XXXX XXXX 2017 I decided to call Citi to dispute charges, Citi agreed to process the  dispute.I was shocked to see a reverse charge on my credit card in the amount of XXXX. 

This is regarding case # 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 2022-10-03
Company: EGL US, LLC
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 XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states I ave the right to privacy.

15 usc 1681 Section 604 A section 2 state a consumer reporting agency can not furnish an account without my written instructions.

15 usc 1666b states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with Bank of America on XX/XX/XXXX of 2020, me and my husband got our back dated unemployment checks from Oregon, they came in many separate checks. My husband deposited all of his checks on the XXXX in the amount of XXXX when we opened the account and I deposited all of my checks in the amount of XXXX on the XXXX. Right after I deposited my checks the bank put a hold on our account, which made the account look like it was overdrawn, it said I had XXXX in my account. I Of course called them the next day freaking out because it looked like I was overdrawn but they assured me it was an account hold. I got transferred to too many different departments to remember with no help and no one could tell me anything about this hold. I waited 48 hours then called back, after transfer after transfer I got one lady who  told me she would take the hold off of my account and she did, that was XX/XX/XXXX. I was told my account was open and that I was free to use it and then the following Monday, XX/XX/XXXX I made several transactions on the account and promptly after that my account was put on hold again. I called the next day and I got the run around again. I was told that my account was put on hold again for the original reason of the many deposits made when opening the account and that I would have to wait 48 hours. I called them again on the XXXX to get them to take the hold off. I was told that it takes 10 days now for the hold to come off and that I have to wait until the XXXX. Im am tired of disputing this problem with Bank of America, I feel as though no one can help me and that this is some kind of bank fraud, Ive had the account for two weeks and can not touch my money. Not to mention that my account has been on hold twice for the same reason and I was assured on Friday the XXXX that my account was off hold and I could use it, just for Monday the XXXX to come around and it is back on hold as soon as I try to make any transactions. I want to make a complaint against this bank for wasting all my time just to give me vague answers and not help me with my problem While holding my money from me. Im hoping to get some kind of help or action and to have this bank held responsible for all the misinformation given to me. Thank you.

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 2017-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received notification that a new account was reported to my Trans-union credit report on XXXX XXXX XXXX XXXX reported a collection that I have no knowledge of. I have never done business with this company before, I also have no contract with this company. 
Never received any sort of documentation in reference to this company. I also called Transunion on three different occasions to rectify this information, was on hold for over 30 minutes and was unable to speak to customer service 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 explanation
Consumer complaint received 2022-03-01
Company: EQUIFAX, INC.
State: TN
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:
Recently I sent you a request to reinvestigate the information that I previously disputed. I do not allow e-Oscar or any automated method of verification. These information still not removed from my report it is unacceptable and I am getting upset they are erroneous and it is impacting my life my credit rating

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
On XX/XX/2020 I paid for certified mail which contained 3 dispute letters for XXXX, XXXX, and Transunion. I did not receive any updates or findings about my disputes and it has been 7 days short of a year since Transunion and XXXX received the letters on XX/XX/2020 and XXXX on XX/XX/2020. 

I have attached pictures of my receipt for the certified mail to be sent and wrote the days the companies received and signed for the mail containing my dispute letters.

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 2017-07-09
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had recently submitted a complaint in regards Ad Astra Recovery Services for an collections account of {$400.00}. The collection company did not resolve my request. Since then they have illegally re-aged and reopened the collections account as of XXXX XXXX, 2017. The account status was closed and marked as a charged off account for the past couple of months. They had threaten me in the past about how they were going to damage my credit and the recent reopening/re-ageing of the closed account which has significantly hurt my credit score in the past week supports my claim of their harassment and illegal practices of bullying consumers. I have taken picture and attached it to this complaint of the account status as of XXXX, 2017 and as of XXXX XXXX, 2017. The change in the account status occurred after I submitted my initial complaint which leads me to believe they purposely and illegally re-aged/reopened this account to hurt my credit score. I feel bullied and treated without any respect. Because of their unethical and illegal practices good/hardworking people like me suffer and our progression towards a stable financial future is impeded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Experian Information Solutions Inc.
State: TN
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:
Recently I sent you a request to reinvestigate the information that I previously disputed. I do not allow e-Oscar or any automated method of verification. These information still not removed from my report it is unacceptable and I am getting upset they are erroneous and it is impacting my life my credit rating

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 2021-10-11
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: Termination fees or other problem when ending the lease early

Complaint:
I was turning my lease in for a new lease and the dealership told me that they would cover the old lease payments because I was buying a new car. They did a lease pull ahead with me. Ford Motor Credit reported this late on XX/XX/2021. I have never been late on this account and this was not supposed to be marked as late as I turned the car back in and they told me that I was no longer responsible for the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: SUNTRUST BANKS, INC.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was erroneously charged twice by XXXX on XXXX XXXX. XXXX was a {$15.00} charge, and the other was a {$16.00} hold. 

The two charges brought my account into overdraft, incurring a {$36.00} overdraft fee from SunTrust bank. I called XXXX and had the issue corrected. They said they would refund me the charges and that it would take 2-3 business days. 

I then called Suntrust to notify them of what happened. I told them the two XXXX charges were a mistake and being refunded, and asked to be refunded the {$36.00} overcharge fee. They refused, but did say that once the XXXX charges are fully refunded, then they will refund the {$36.00} overdraft fee. 

On the very next day, however, XXXX XXXX, SunTrust hit me with a SECOND overdraft fee, still related to the erroneous XXXX charges. So despite the fact that I called and told them the XXXX charges were in error, they used them as the basis to hit me with two separate overdraft fees, totaling {$72.00} XXXX all because of two XXXX charges does in error worth {$31.00} XXXX. 

Representatives at SunTrust have been completely unhelpful to me addressing this. Instead of working with me to prevent the overdraft fees once I informed them the charges were in error, they instead kept hitting me with the fees. 

They claimed the fees are applied automatically by a computer, and that for a human to override them and credit me the {$36.00} overdraft fee, I would have to await a phone call from a supervisor which could take 3 business days. 

Having {$72.00} stolen from your account by your banks due to a {$30.00} mistake that is in the process of being refunded, created an exceptional hardship in my life. And that lack of responsiveness by the bank made the problem much worse.

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 2019-08-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Account information incorrect

Complaint:
USAA SVG BK has reported wrong infomation on my report. The credit card was opned XX/XX/XXXX and never late a new card was issued due to the loss of the original card. XX/XX/XXXX USAA rported a late paymnet and I called once new card was recived asked why the card was reported late. The mnager advused it would be taken off my report and it still shows 30-59 dys late. We are a military family and USAA assured this issue would be fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021, I deposited my stimulus check in the amount of {$1400.00}. Instead of giving me the opportunity to correct the endorsement they did not allows me to redeposit the same check with the following corrections ( attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: ROSS MORTGAGE CORPORATION
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have a VA loan that was originated by Ross Mortgage Corporation in XX/XX/2018 and sold to XXXX. 

I requested a VA funding fee refund XX/XX/XXXX, was granted the request and the refund was processed by the VA. 

The VA confirmed that they sent a funding fee refund check to the originator of my loan, Ross Mortgage to be forwarded to the services of my loan and applied to my mortgage as a principal reduction. 

Ross Mortgage has not forwarded that {$6600.00} check to XXXX to be applied to my mortgage despite having it for nearly two months.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XXXX XXXX, XXXX I sent a fax to XXXX XXXX in the Consumer Affairs department with Equifax to have my student loans information corrected due to Equifax reported two of my student loans in default for XXXX XXXX and XXXX XXXX for these XXXX student loans accounts : XXXX {$1800.00} and XXXX {$1800.00}. I also enclosed the proof regarding the loans were deferred and never in default. I checked my credit report on XXXX XXXX, XXXX and it still showed the student loans being in default in the negative account section of my credit file which has caused a major impact on my credit score due to the fault of Equifax. I contacted Equifax and was directed to Consumer Affairs on XXXX XXXX, XXXX and spoke with XXXX XXXX at that time and the representative stated and assured those XXXX student loans were updated and no longer showing in the negative accounts section because Equifax caught the mistake and corrected. So I check on XXXX XXXX, XXXX to see if the update took place and it still showed those 2 student loans in default and in the negative accounts section and now in dispute which I did not request for those accounts to be disputed because according to XXXX XXXX this was corrected and the error was caught by Equifax to correct what they had done. I contacted Equifax once again and spoke with a XXXX XXXX and she told me that XXXX reported these two accounts as default for XXXX XXXX and XXXX XXXX, which that is incorrect because I contacted XXXX and they confirmed they did not send that information over to Equifax and what Equifax is reporting is incorrect and none of my loans were in default as confirmed by the representative with XXXX. The representative at Equifax, XXXX XXXX stated that it was reported by XXXX and it was in dispute, and I informed the representative that I did not dispute and I was advised these 2 accounts were corrected because Equifax made the error in reporting false information. XXXX XXXX then begin to falsify that I stated I was recording the call and I did not state that, the representative was trying to look for a reason to disconnect the call. XXXX XXXX would not give me corporate information to make a formal complaint about this issue and stated that she was the highest level of escalation and management. She did not give me any management names that is over her and kept saying she is the highest level of escalation and disconnected the call. This has been an horrible experience with Equifax and due to the hack that took place they are not willing to resolve any issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Experian Information Solutions Inc.
State: NV
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 opened an account with XXXX for the purposes of building my personal credit score. I was informed they were a great company in terms of helping consumers build good credit using their own money. When I open my account inXX/XX/XXXXI was not informed that I could not mail my check in for payment on my account. Instead I received an e-mail stating my check was being returned to me because XXXX XXXX XXXX XXXX XXXX  banking partner were not able to accept a paper check as a form of payment. I contacted XXXX XXXX   and informed them that check payment method was the only way I could pay due to my debit card being replaced. XXXX XXXX  rep stated that would be fine and just make the payment when I could. Later when I looked at my credit report I noticed I had a 30 day late for the month of XX/XX/XXXXalthough my payment is current.

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 2021-10-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 am trying to purchase a new home. In order to raise my credit score I have paid off my major credit cards. On XX/XX/XXXX I paid off my balance of {$5000.00} on my Capital One card. They are SO quick to report to the credit bureaus when a card is maxed out but if you pay it off? Well my statement date of XX/XX/XXXX/XX/XX/XXXX has come and gone and it is still impacting my credit score ... raising my home interest rate by 1 % point. I have tried to contact the company to no avail. XXXX took care of this right away. My score would go from XXXX to a projected XXXX. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Nu World Title, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Client ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ) closed on a purchase of a property on XX/XX/XXXX and the purchase was made from a foreign real estate investor. As part of the closing, the closing agent ( Nu World Title ) was required to withhold XXXX taxes from the seller. {$34000.00} were withheld and had to be remitted per section 1445 of the IRC to the IRS within 20 days. Funds were mailed to the IRS on XX/XX/XXXX, XXXX years later. The Client is now required to pay the IRS in excess of {$15000.00} in penalties and interest for late payment of the withheld taxes. 

Closing company breached its fiduciary responsibilty to remit funds timely to the IRS.

Company response to consumer: Closed with explanation