BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
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: Investigation took more than 30 days

Complaint:
With reference to the letters dated XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX, all delivered by recorded mail. In those letters I asked you to provide the following reasonably requested specific items : 1. Proof of Claim that the alleged liability has been created in the form of an original contract. 
2. Proof of Claim that the alleged liability exists in the form of a verified true bill signed by your client and charged to XXXX AND XXXX XXXX pursuant to the The Bills of Exchange Act 1908, Section 23. 
3. Proof of Claim that BANK OF AMERICA has the legal right and lawful authority to attempt to enforce collection of the alleged liability in the form of Proof of Agency. 

I hereby serve Notice that failure to provide Proof of Claim by BANK OF AMERICA has created a permanent and irrevocable Estoppel by Acquiescence, forevermore barring BANK OF AMERICA from bringing any and all claims, legal actions, orders, demands, lawsuits, costs, fees, levies, penalties, damages, interests, liens and expenses whatsoever, against XXXX AND XXXX XXXX. 

It is important that you acknowledge and understand that this is not a letter but a legal notice, which is a consequential specie of correspondence. I hereby declare that the law of agent and principal shall apply and that service upon one is service upon another. 

Furthermore, your failure to provide Proof of Claim in the form of the above reasonably requested specific items comprises the tacit procuration of BANK OF AMERICA agreement to the following lawfully binding terms and conditions : 1. That the alleged debt did not exist in the first place ; OR 2. It has already been paid in full ; AND 3. That any damages I may suffer, you will be held culpable ; 4. That any negative remarks made to a credit reference agency will be removed ; 5. You will no longer pursue this matter any further. 
6. You have not proven any debt. If you sell the alleged liability, and/or appoint an agent to act on its/your behalf in this matter, you will have broken our lawfully binding agreement and you agree to pay the following fee schedule.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Optima Advocates
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I signed up for help with Optima Advocates 2 and half years ago, XX/XX/2018. I paid them for their services and for two years I have to beg and plead for some kind of update on my case. I get a generic response from some guy named XXXX XXXX. Every other person I spoke to has left the company. The director and underwriter do not answer emails or voicemails. Calling goes straight to voicemail and no response to voicemails or calls returned. It's been two years and my credit is destroyed and I can't get a response. Don't give these people your information. They take advantage of people with student load debt. They try to take out loans in your name without your permission. This company is fraudulent to the core, promises to help but makes you pay UP FRONT. BIG RED FLAG! Do not give them your money!!! I lost {$5000.00} in all this.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-23
Company: EQUIFAX, INC.
State: IN
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
In XXXX I noticed a {$1000.00} withdraw on my Bank Of America XXXX unemployment debit card. The withdraw was made by " State of CA XXXX unemploym ''. I contacted XXXX who stated this was a a problem with the bank who owns the XXXX card ( Bank Of America ). I contacted Bank Of America and the police to report the fraud. Bank of America had me file a claim ( claim # XXXX ), deactivated my card and issued me a new one, and temporarily returned the {$1000.00} to my account. On XX/XX/2020 I received a letter from Bank Of America stating the claim had been closed bc the account or the claim have been subject of fraud or suspicious activity. On XX/XX/2020 they took back the {$1000.00} they had temporarily returned. I have tried to call Bank Of America numerous times to understand how and why they reached this conclusion. Each time the hold times are insanely long ( 1-3 hours ) and upon getting transferred to an agent I am either disconnected, transferred to the wrong department, or told I would be called back. I have not been called back and no one from Bank Of America has been able to assist me in understanding why {$1000.00} was taken out of my account and how Bank Of America is deeming this " suspicious '' activity. These are unemployment benefits that I need during this time. I do not know what else to do to get this addressed. On XX/XX/2020 I submitted a claim on this site ( complaint ID : XXXX ) the company sent me various letters saying they were working on the case and needed more time but I never heard anything 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 2021-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please see attachment. This is the response that I received when I requested the Method of Verification for the fraudulent XXXX XXXX XXXX account. TransUnion is refusing to validate this debt. They are also updating the XXXX date each month which is also a direct violation of my FCRA consumer rights. I am hereby requesting for this fraudulent account to be removed from my account due to TransUnion 's inability to validate 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 2018-10-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account with HSBC under their {$200.00} welcome deposit promotion. I have met all of the requirements to receive the {$200.00} as of XX/XX/2018. I have a written chat with a customer service representative from XX/XX/2018 with a " XXXX '' who agreed I should have received this {$200.00} deposit already and he/she instructed me to call customer service which I did. I called and had a " ticket '' opened in XX/XX/2018 and was promised I would get a call back with a resolution. It is now XX/XX/2018. I have been on hold for 30 minutes and counting with XXXX at EXT XXXX as I have called 2-3 times per week and been promised call backs every time as the only person who can resolve this is the person that opened the ticket. I was promised a call back by Monday which never came last Thurs. XX/XX/2018 by a woman at EXT XXXX. This is completely unacceptable. Every time I call, I am only told that I will get a call back, which I never get. Then the person is never working and they are the only ones that may resolve my issue. I want to cancel my account, but I am entitled to the {$200.00} welcome deposit as advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
One year ago I had a lease with XXXX and I transferred to XXXX they told me that they where going to buy off my contract and I 'm still getting charged and this is making my credit really bad!! I 've already talked to XXXX and they have me a paper to send to XXXX I did and they are still charging me ... the thing is that XXXX took that XXXX phone from me cuz they where going to buy off my credit! They did n't give me any money for it or anything! I need this problem fixed.. they 're saying I have to pay {$520.00}. I dont understand why they are still charging me! They need to call XXXX and talk to them because they are the ones that need to pay them not me!! ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
We make our payments early ( paying minimum due bi-monthly plus alittle extra ). All payments are received before the due date. CareCredit ( Synchony Bank ) is penalyzing us for making payments before they mail the bill out. When this happens they are charging us late fees and reporting negatively to the credit bureaus which is a predatory practice. I have never heard of being penalized for not only paying extra but paying early as well. Payments were due on the XXXX of every month and we paid on the XXXX and XXXX of the prior month. CareCredit does not have their act together and as a result the consumer is penalized. We were able to get them to refund the late charges and supposedly fix our credit reports which we will fllow-up on. They also told us that since they incapable of taking payments early that we need to make payments between when the bill is recieved and the due date. The representative could not tell us a good datew to setup our auto-pay. Additionally they kicked us off of the promotional APR with fixed payment amount because of their bogus late fee. We have another account with CareCredit which has a 0 % APR and we pay ahead on this one as well and this account never has an issue with getting late payments for paying early. This clearly tells me that CareCredit is penalyzing customers for paying early on interest accounts because it means its less interest for CareCredit to earn.

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 2018-06-21
Company: Pinnacle Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
company reaged account and refuses to ive any informaion on account. original credit XXXX has already been removed from the 7 year reporting guidelines

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid my account by adding a new payment source. Somehow, my payment was put on my payment stored when I first opened my account. They charged my XXXX account and not my local XXXX account, which I had made a new payment source for on the XX/XX/2020. I wrote a letter with proof I made a new payment source, but they made a third attempt into my account. That's TOTAL OF {$87.00} IN ACH fees on my account. They have changed and are not a part of XXXX anymore. The are a part of Citibank that has given me tons of problems in the past and who are connected to corruption in XXXX County. XXXX County Sheriff 's Department is harassing me, because I refused to prostitute for them and Citibank is helping them.

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 2018-06-21
Company: Exeter Finance Corp.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2013 I was highly pressured into buying an over priced used vehicle with a {$1000.00} down payment on a {$19000.00} installment account from XXXX XXXX XXXX ( Address : XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX ). Shortly after entering the agreement and without warranty I found out that the car in question was on recall for a faulty motor and after paying for repairs I fell behind on the payments causing severe late fees and interest ultimately resulting in repossesion of the vehicle. There was no offer to deduct fees or interest on late payments in an attempt to get the account in a current status. After selling the vehicle to another person, the balance of the sale was charged to me by a collection agency in the amount of {$10000.00}. This has affected my credit score greatly and damaged further attempts to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian and XXXX  credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.

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 2019-02-20
Company: AES/PHEAA
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I re-applied for Income Driven Repayment ( ICR ) in early XXXX with my wife who also has a similar amount of student loan debt. We are both XXXX and both went to XXXX XXXX. She received her ICR re-calculation a few days later and it was what we were anticipating it would be, and more importantly, it was something we knew we could afford. When I received mine, it was double the amount of hers and way out of the range of what we were anticipating or budgeting for. She guessed it was because they forgot to include her student loans in the calculation. Instead of approximately {$500.00} per month, the payments were {$910.00}. 

We called XXXX XXXX XXXX to inquire on XX/XX/2019. We talked to someone and right away he said " oh yes, sorry about that. XXXX XXXX XXXX   did actually calculate it incorrectly. We did not take her debt into consideration. We will place you on an administrative forbearance while we re-calculate. Look for that in the next week or two. '' We were happy because we could not afford the {$910.00} this month or any month. 

Two weeks later, we still hadn't heard anything from XXXX XXXX XXXX. The {$910.00} was still showing as due and the ICR had not been re-calculated.

We called back ( which took TWO HOURS to get someone on the phone ) on XX/XX/XXXX. When we finally got someone on the phone, the woman pulled up the account and she saw the ICR request. She said and I am quoting " oh it's our fault, that never got properly submitted. I can see the request but it just did not get submitted internally. '' We were frustrated, but she assured us that she as expediting it. She submitted the ICR and told us she would place the current account amount due of {$910.00} on an administrative forebearance as it was due on XX/XX/XXXX and since it was their fault, she could get that done. 

Now it is XX/XX/XXXX and the amount is show as PAST DUE by 8 days because no one at Fed Loan Servicing has done what they said they would do. We have contacted them via email to let them know this was going on ( XX/XX/XXXX ) but we did not receive a response within 48 hours as promised. I can not spend two hours on the phone again trying to get this figured out with them. They need to fix it like they said they would. I have no faith in them as a loan servicer ( this is not the first time they have screwed up my ICR - it literally happens every year ). 

I need them to get the {$910.00} that is past due out of the queue like they said they would do originally a month ago. In addition, everything has been accruing interest which also needs to be taken off of what I will owe. This is predatory lending. If they do a poor job and make customer service unavailable to me, they win because they are owed more money. I expect more from my loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name XXXX XXXX XXXX Please remove all other name variations IMMEDIATELY they are inaccurate. MY CURRENT EMPLOYMER is XXXX All other addresses are not accurate. I need my correct information updated.I have some addresses on my credit file that are not accurate. Please delete the following unknown addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Usaa closed my account XX/XX/2021. My account is 99 percent state and federal dependent benefit deposits. They are continually holding my SSA and municipal state benefits even after I sent 3 letters by fax and within the USAA account in inbox. I owe no balance or bills due to them or any other entity. So far over a month and half span, 2 SSA checks, 2 unemployment checks, 2 municipal pensions checks totalling XXXX are being withheld. I havent had any access to ANY OF MY BENEFITS SINCE XX/XX/2021. THEY ARE WELL AWARE THAT THEY ARE SUPPOSE TO SEND THOSE BENEFITS BACK TO THE GOVT AGENCIES BUT HOLD MY DEPENDENT FUNDS AS IF IT WERE LEGALLY DUE SO.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I first sent the inquiry removal letter to each credit bureau and called. I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done and that violates my rights as a consumer. When I reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission they just keep telling what a inquiry is. Please remove the inquiries on my Equifax report and XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Dear CFPB, I am complaining about XXXX XXXX XXXX XXXX XXXX, and their Attorneys XXXX and XXXX XXXX, Filing a fraudulent foreclosure action and having me illegally evicted in Violation of the Service Members Civil Relief Act and the Illinois Service Members Civil Relief Act against me and my mom ( deceased XX/XX/XXXX ) and my father ( deceased XX/XX/XXXX ) My parents are XXXX and XXXX XXXX , The mortgage was paid off on XX/XX/XXXX see document # XXXX. The illegal foreclosure and sale was intiated on XX/XX/XXXX the case # is XXXX, The court lacked Jurisdiction to hear the case In violation of the SCRA , the names of the Judges who sat on the case we're Judge XXXX and Judge XXXX they also engaged in Self dealing by having the Sheriff evict me in violation of the SCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Coinbase, Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Locked out of my account on Coinbase XX/XX/17. Filed ticket with support the same day. Ticket was not responded to until I sent direct message to coinbase support via XXXX on XX/XX/XXXX. No movement since. 3 weeks without access to a substantial sum of money that I would like to withdraw.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
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: Charged for a purchase or transfer you did not make with the card

Complaint:
I noticed a charge of XXXX on my account. Dated XX/XX/2021 .I phoned the bank on the day I noticed it and it had posted the day before,XX/XX/XXXX. The bank issued me a new card.although my card wasn't stolen the money was transferred from my account.i received a new card but my XXXX isn't on there.i phoned the bank again and spoke with the fraud dept.and they gave me the run around plus I couldn't understand him because of his language problems.i still have not gotten my money back from 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 monetary relief
Consumer complaint received 2018-10-23
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company calls daily. I have spoke to them twice ; I do not know the person they are trying to collect from, but they continue calling every day.

Company response to consumer: Closed with explanation