BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX, a {$380.00} transaction from XXXX caused my Bank of America checking account to be over drawn, a {$35.00} fee was charged on XX/XX/XXXX, which made the account {$410.00}, so on XX/XX/XXXX I deposited {$300.00} into my Bank of America checking account. There was a {$68.00} XXXX XXXX XXXX transaction pending, therefore my receipt stated my balance was - {$180.00}. I planned to deposit the {$180.00} on XX/XX/XXXX, once I had more money ; however on XX/XX/XXXX, I discovered Bank of America, went back and updated their system to reflect my XXXX payment and a {$170.00} recovery fee being deducted leaving only {$25.00} in my checking account. This caused me to have additional fees with XXXX and Bank of America. I contacted Bank of America on XX/XX/XXXX @ approximately XXXX and was on hold for 30 minutes at least, before I spoke with XXXX . Then I spoke with a supervisor from Alabama, Mr. XXXX @ approximately XXXX, whose only concern was the recovery fee, despite me explaining the financial hardship their actions were creating for me, due to my bill payments being returned, causing additional fees, so Bank of America could take the funds as recovery. On at least 2 other occasions {$15.00} has been deducted from my account for recovery without prior notice, days later I receive a notification in the mail. Bank of America has never advised me that they were going to randomly deduct any amount of money they desire from my account, creating a financial hardship for me. I filed a complaint ( XXXX-XXXX ) on XX/XX/XXXX with CFPB because while my daughter was told to submit additional evidence which she did, Bank of America closed the account without notice, while we thought the investigation was reopened due to additional proof provided. I have been had my Bank of America account for many years and I am a XXXX veteran, already under financial strain which my account reflects. The account being recovered from never should have been closed, it was my daughter 's college account, I would have agreed to a payment arrangement of some sort. Bank of America 's actions are unethical and I plead with your agency to open and complete a full investigation because this may be common practice, and the consumer has no defense other than to close their account and have their credit negatively affected.

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 2018-01-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
this is a continuation of complaint # XXXX now today I get a phone call on my cell phone from a man who says he represents XXXX XXXX XXXX XXXX who now have this account from XXXX XXXX. 
Stating again they are representing HSBC. 
this man openly admitted the account is 9 years old and when I asked him what Statue of  Limittations were in California couldn't give me an answer. 
he wanted me to accept a XXXX for the debt in which I refused and hung up. 
I would like action taken against this company and XXXX XXXX. for selling my personal information. 
I constantly have to worry about Identity theft due to HSBC 's lack of following good collection practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that the 3 Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Bureaus are reporting inaccurate information on LVNV FUNDING LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: EQUIFAX, INC.
State: PA
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 filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX  and XXXX XXXX XXXX XXXX. As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion XXXX XXXX the date of the last letter was on XXXX 2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2019-05-16
Company: U.S. BANCORP
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2019 VISA Credit Card Statement from XXXX Bank ( XX/XX/2019 - XX/XX/2019 ) included ( 4 ) separate fraudulent charges from XXXX. 
Transactions dated XX/XX/2019 for {$120.00}, XX/XX/2019 for {$120.00}, XX/XX/2019 for {$120.00}, XX/XX/2019 for {$120.00}, totaling {$500.00}. 
XXXX VISA Cardmember Services on XXXX of fraudulent charges, card was canceled and new card sent to office. VISA XXXX XXXX # XXXX. Notified XXXX XXXX regarding fraudulent charges ( XXXX XXXX XXXX XXXX # XXXX ). 
Requested info sent from XXXX XXXX for charges. Received ( 4 ) receipts for online purchases from XXXX XXXX. 
VISA Cardmember Services provided credit for fraudulent charges on XX/XX/2019 then reversed credits on XX/XX/2019. Called VISA Cardmember services regarding reversal and they stated the reason behind refusing to refund the charges was due to them being from " a company that we have made other purchases from. '' We are a small construction business located in the XXXX, Washington area. While we do make many purchases with the physical XXXX XXXX stores this credit card is not associated with any homedepot.com account, nor have any purchases ever been made on the online store. 
VISA Cardmember Services was notified that we disagree with the refusal to refund the charges and the case was sent to a " Case Processor '' with XXXX XXXX ( XXXX XXXX XXXX ). After ( 1 ) month the case processor reached out to me and requested the XXXX XXXX receipts which were then emailed to the case processor. After another month of trying to reach the case processor for a status an email was received that notified me that unless there was additional information the refusal to credit the fraudulent charges would remain. The case processor was then contacted on the phone and asked what information that they would need in order to change the denial of the fraud charges. XXXX mentioned that something from XXXX XXXX showing the shipping addresses or contact information " may assist. '' XXXX XXXX  was contacted again on XX/XX/2019 and asked to provide a letter/email with screenshots or information showing the ( 4 ) different charges which were ( confirmed verbally with XXXX XXXX  support ) purchased under ( 4 ) different contact names/phones and sent to ( 4 ) different addresses across the United States ( None of which are located in the XXXX, WA area ). XXXX XXXX stated they could not provide any hard copy information other than the receipts and could only report this information verbally over the phone.

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 2018-12-21
Company: U.S. BANCORP
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I opened the XXXX Prepaid debit card because they sent me an email that if I open the card and loaded {$300.00} on it, they will give {$40.00} extra. I did load the money. They blocked my card and said I need to send Bank statement as address proof and government id i.e. my Drivers license. I did send all the information and they activated my card. I loaded the money and started using the card. As soon as I tried to get cash back from the card at XXXX, they blocked my card.I contacted them and let them know unless they let me access my money, I will report them. The next day they unblocked my card and allowed me to generate a pin so I could use my card to get cash back, as well as purchase goods and services.Today out of the blue, they blocked access to my card online. When I tried to use the card in a store, it was declined. I called customer service. They said you need to fax in identifying documents. I have about {$50.00} on the card and I was supposed to receive the {$40.00} bonus they have promoted around now. I asked her why they blocked access to my account online, she did not answer. I asked her will I need to send this document every month. She hung up on me. 
They have no email, only means of communication is fax.They pretty much make it so that no one can reach them.They are trying to steal my {$50.00} as well as not honor the promo they promised. 
Request you to please help. I have written proof of the promo as well as proof I sent the documents last month and receipts to prove I was successfully using the card last XXXX weeks. I have no access to my account. Not only can I not use my money right now, I am also not able to log in to my account anymore. The last time when they blocked my account ( 2 times ), I was able to access the account.This time, out of the blue, they locked me out of my account without providing any notice or any reason over mail or email or phone. 
Please help. They are clearly in the business of stealing money. 

Their agents hang up on you if you ask " why can't I use my card? ". This can not be legal. This has happened the third time.I do not know what additional document they want me to send them. They are going to withhold my money and deduct account fees each month and exhaust my money. This is their plan and never pay me the extra {$40.00}. This can not be legal.I can provide every identity document, I have provided what they asked for and everything was working fine. They blocked it today on the 20 because they figured I could take all the money and close the account. Today is the day they were supposed to credit my {$40.00} bonus ( I have proof they offered such a promo ) and also today is they deduct the account fees.Please please please help.

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 2019-08-12
Company: Experian Information Solutions Inc.
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:
Dear Credit Bureau, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. 

XXXX I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXXOR 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 2020-02-21
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I pay my mortgage every month on the telephone. Over the course of about 1 1/2 years I missed two mortgage payments due to two separate motor vehicle related emergencies. XX/XX/2019 I called to make my monthly mortgage payment and the mortgage company refused to take my payment and told me I had no choice but to file a modification application. I had been receiving several of these packets in the mail, but the company kept accepting my payment and I had no real need to apply for a modification. Although I'm on Soc. Sec. Disability I still a very much able to make my payments since my mortgage is only about {$700.00} a month and my household bills are minimal, and not to mention my mortgage was projected to go down to {$600.00} a month this year. So I filed my modification and even offered a months mortgage as a down payment, but my application was denied they said, because it hasn't been quite four years since my last modification and according to the last modification, I can't file another one for four years. Now, I'm on disability, I've been in my home for 21 years, I have two large dogs and I will not, can not and am not able to move. I feel I was pressured into filling out this paperwork and then denied in an attempt for the mortgage company to take my home. The missed payments were not back to back. Other than this I've always made my payments. I was also told that foreclosure doesn't begin until 4 payments are missed. Now, I'm 6 payments behind because of me filing the modification and the wait period. What can I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: EQUIFAX, INC.
State: WI
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:
I sent all three credit bureaus a certified letter to investigate this XXXX XXXX XXXX hard inquiry XX/XX/18 and XX/XX/18 from my credit reports. It has been well over 60 days and still not heard from any of the bureau. This violates the FCRA laws that are in place to protect consumers. The bureaus are to report accurate information and respond to disputes in a timely manner. This hard inquiry has caused hardship to me and stress as well as I being denied credit and home loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: WESTERN UNION COMPANY, THE
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I came into this location last night XX/XX/2018 to send an emergency money wire. there was a mistake made where the funds were sent as a pickup in Illinois instead of Nevada which was listed on the original form. My party was not able to pickup the finds in the time she needed them and she had to acquire the funds elsewhere. The western union store rep changed the pickup location but by the time my party had got the funds already. I called into Western union today to discuss the situation and was met with a rude foul representative that refused to refund the fees for sending the money claiming that the company did perform the services even though the finds were sent to the wrong state initially and my party was not able to refund the money. I informed the western union phone rep that i would no longer use western union services since they were stealing service fees from me at this point for services that were originally not performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
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: Account information incorrect

Complaint:
On my Experian report it's show I was late with XXXX XXXX on XX/XX/21. I did not have service with them. This inaccurate information affected my credit score. Please delete this account from my credit report.

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 2020-11-12
Company: MRS BPO, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account was opened without my authorization. I don't recognize this account. I called XXXX XXXX  and they determined it's not mine. I also requested a signed contract which doesn't exist.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
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:
Within the past few weeks, I have sent two separate letters to Portfolio Recovery Associates asking them to validate a collection they have reported to the three main credit reporting agencies as belonging to myself. In both instances, I have asked for proof of this account supposedly belonging to myself by sending copies of the alleged SIGNED CONTRACT between myself and the original creditor. 

Portfolio Recovery Associates has ignored my repeated requests and simply sent bills. A bill is not what I have requested. 

I am requesting that Portfolio Recovery Associates send proof that the alleged account belongs to me by sending THE ORIGINAL SIGNED CONTRACT or have it deleted from my consumer report by contacting the three major credit agencies they have reported it to. 

Portfolio Recovery Associates has a history of using illegal tactics and also has several lawsuits filed against them already. I will not hesitate to follow suit. 

I have a legal right to see a copy of the SIGNED CONTRACT WITH THE ORIGINAL LENDER and I am demanding to see that. 

The legal burden of proof requires at least a copy of the contract signed with the original company when this credit card was supposedly accepted, and it's the collector 's burden of proof to produce it. 

Portfolio Recovery must show a SIGNED CONTRACT or delete this collection account from my credit report with all three of the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: TRUIST 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 recently received a copy of my XXXX  report and I noticed some account on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : Suntrust {$570.00} The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act " 15 USC 1681 a 2 b '' ( See below ) Exclusions Except as provided in paragraph 3, the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

The credit issuer or debtor has not issued a 1099C " cancellation of debt '' tax form since the alleged debt has been written off and therefore considered as income for the issuing company. I have not received a 1099C tax form. Since the debt is considered income for tax purposes on the companies end, the debt can not be listed on my consumer report according to the FCRA.

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 2018-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
I contacted all three credit bureaus via certified letters, to have this Capital one closed account removed from my credit reports. I have not heard from them and it's been 30 days now this is not compliant with the FCRA law that holds the bureaus responsible for responding to consumers within a timely manner. This closed account has caused stress and my credit score to decrease drastically. I am in a financial hardship and am a single mother. 
.

Company response to consumer: Closed with explanation