BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/XXXX I ( XXXX ) received a transfer of {$3000.00} from a relative from California into my checking account. 

XX/XX/XXXX A Bank of America ( BoA ) rep called me and informed me that the {$3000.00} was drawn from an XXXX account, that I was not supposed to receive XXXX money and my account would be closed and I needed to go to the nearest branch to open a new account. I immediately went to the nearest BoA branch to open a new checking account. The banker assisted me to open a new checking account and transfer everything minus the {$3000.00} to the new account. I was told that the money would be returned to the XXXX office in XXXX and returned to the original sender. My old checking account was closed shortly after. 

XX/XX/XXXX Relative informed me that she have not heard anything or received anything from the fund and proceeded to call BoA to open a claim. Later, BoA informed her that the money was sent to me and I have already received it and there is nothing they can do. For now both of us was out {$3000.00}. 

XX/XX/XXXX I called BoA and inquire about the missing fund, labeled " ACCOUNT CLOSING TRANSACTION : - {$3000.00} ''. After being transferred to multiple departments and giving the runaround, I finally got a hold of a supervisor, who confirmed on call ( I have all audio recordings of the call ) that the account closing fund ( - {$3000.00} ) was currently in BoA internal back office and she would not give me any date or estimated date when the fund will be released. It's been XXXX months since I closed the account and I still have not received a check for the remaining fund. BoA offered no solution and according to them they can just keep the fund there indefinitely without a date of release. The supervisor advised the original sender to call BoA and " recall '' the transaction. 

XX/XX/XXXX Relative called BoA and tried to do a " recall '' but BoA once again told her there is no such thing as a " recall '' and that there is nothing they can do. I then proceed with a formal complaint with CFPB about BoA 's practice.

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 2022-02-15
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/2022 I logged into my account to see that Navy Federal Credit Union has debited my account for the amounts of {$510.00} and {$82.00}. Upon discovery I called customer service to investigate and they proceeded to tell me it was due to a provisional credit that was given to me for my child tax credit due to my account being overdrawn. I informed the representative that I did not receive any such notice and did not sign/agree and/or authorize any provisional credit to my account due to the fact I have multiple direct deposits being deposited in my account. To me this is fraudulent activity on their part and now has placed me in a deeper debt than needed to be and I will not be able to pay my bills as I need to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Credit Plus Inc
State: WA
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 XX/XX/XXXX, I received an alert from XXXX about a new hard inquiry in my report from a company called Credit Plus. I have never dealt with that company nor heard of it before. I called Credit Plus and was not able to talk to any representatives, their phone lines seem to disconnect after several minutes of waiting. On the same day, I also called XXXX and was transferred 3 times to different teams that handle disputes without actually getting help from any. 

This is the 3rd hard inquiry that someone else has attempted on my report in the past 12 months and that I report to XXXX without any action from their part. On XX/XX/XXXX I used the CFPB website to report 2 other hard inquiries that I did not initiate but that appeared on my report as well -- those inquiries still show in my report today. XXXX has still not taken action to remove them. 

In addition to the inquiries, there is a phone number that does not belong to me ( " ( XXXX ) XXXX '' ), and a name that is not mine ( " XXXX XXXX '' ). 

I kindly ask that XXXX removes the following hard inquiries and incorrect personal information : - Credit Plus on XX/XX/XXXX - XXXX  XXXX XXXX on XX/XX/XXXX - XXXX  XXXX XXXX on XX/XX/XXXX - Phone number : ( XXXX ) XXXX - Name : " XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: ProCollect, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is NOT my account. It was opened fraudulently in my name. It is some kind of utility bill iXXXX XXXX XXXX Texas. When I received the first notice of this bill/account, it was by mail. I immediately contacted the collection company and told them this was fraud and explained i had been the victim of identity theft. They continued to harass me to try to get me to pay the bill, despite the fact that i was providing policy incident information, had already reported to the credit bureaus that the XXXX XXXX  addresses were fraudulent, and despite the fact that they were mailing this notice to my home address in North Carolina - so i clearly dont live in XXXX XXXX. They told me they would mail me a " packet '' to complete and expected me to mail all kinds of personal identification and affidavits through the mail. I told them that was not going to happen as that is exactly how identity theft happens, but that i would provide them the police report information and they could use that to investigate and see that this was fraud. They refused and continued to press me for payment. They then threatened to report this to the credit agencies and damage my credit. I told them they could not do that as this was not a valid debt and i disputed it within the 30 day window. They reported it anyway and follow up attempts to get them to remove are not working.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: EQUIFAX, INC.
State: NC
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 filed a dispute with Equifax and XXXX on XX/XX/XXXX, to show that XXXX has deleted certain accounts, I also provided the letter to prove that those items was deleted off my report. I have not heard anything from XXXX at all and I have disputed more items beginning in XX/XX/XXXXof this year. Equifax have n't responded either. the items are still reporting on my report. i have asked both agencies to give me there burden of proof of the info and people who verified the account. neither has giving me that info. all of my accounts are frozen until this matter is resolved. please delete the items off my acct XXXX has already done so. if they could n't verify, neither can you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the late payments on XXXX XXXX  XXXX  account for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
See attached affidavits

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 2019-10-23
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
XX/XX/2019 I went to one of Bluebird money pass a bank where I have been going for the past 6 years and was recommended to me by bluebird to avoid atm fees as I inserted my card to withdraw {$400.00} transaction was ok and then reinsert my card for an additional {$100.00} the machine gave a receipt stating my transaction was invalid so when I checked my bluebird balance the {$100.00} was missing, now my account is {$100.00} less than. when I contacted their customer bluebird service super rude btw, they said it has to be disputed and it could take up to 45 days and they also said for me to contact the bank atm which I did the bank teller said contact Bluebird. Not fair since I have bills to pay as a single parent working hard. They can only contact me through email that is mine why should I wait for so long.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-15
Company: Experian Information Solutions Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., XXXX, in accordance with XXXX XXXX XXXX and 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 explanation
Consumer complaint received 2022-02-15
Company: JPMORGAN CHASE & CO.
State: OH
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:
On XX/XX/XXXX I placed an order with XXXX XXXX as documented on the attached documents. I described the vehicle for which a bumper was ordered. I received the part and took it to a repair facility. It advised it was the wrong bumper. I emailed XXXX XX/XX/XXXX about the error and requested they ship the right part and furnish a return label for it. No response was ever received. I did order a bumper from another vendor after no response was received as the repair shop had to have one to complete the work. Documents from their website show which bumper should have been sent. On XX/XX/XXXX I notified Chase about the problem. They issued temporary credit but charged my account XX/XX/XXXX. I called Chase and was advised to reword my complaint which I did and resent it to Chase. Chase processed it and advised they considered the charge valid. Having no success with Chase I called on XX/XX/XXXX and was advised to ship the bumper back which I did at my expense. I emailed XXXX XX/XX/XXXX outlining the progress. The XXXX XXXX record is included. On XX/XX/XXXX XXXX confirmed receipt of the return information and thanked me. On XX/XX/XXXX I received a cell phone message from XXXX at XXXX that the bumper was received. On XX/XX/XXXX I advised XXXX about the call from XXXX who I was unable to contact. I continued to advise Chase of the progress. On 1

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-12
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
For over 3 years I have been trying to get Citibank to determine what happened to an IRA distribution. It I am the executor of the account and one of the beneficiaries on the account. This problem has existed since my mother was alive and the account was transferred from my late fathers account. All I get is run around and people with less knowledge of IRA 's than me. I have been told that I need to close the account to find the money that they can not find. In the mean time they made 2 additional distributions. They claim that they found the XXXX  and XXXX but not the XXXX distribution that they did not bother to look for ; however, I have not received any written notice of this. I have also been told that they will deposit the missing monies into the account that they wish to close. They also refuse to change the account number as the mail is going to an address that we no longer live at. It has taken 2 years to get the account into my moms name from my deceased dad as they keep on loosing the paperwork that was dropped of at their office and it was finally repaired before she passed away, but not the address. I have made at least 12 calls about this and each time I get an employee with less knowledge and all in the IRA department are not willing to do their jobs and find it and most do not return phone calls but claim that they will in 24 to 48 hours. At this time I am not even sure if this goes back further,

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 2017-07-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Yesterday I signed up for a company called XXXX XXXX and it verified my bank account and everything, when I go to work today I should be able to start receiving money from them if I so choose to, which being extremely low income I desperately need to do from time to time by just a few dollars here and there so I do n't need to overdraft my account. My bank which is citizens bank of PA is not partnered with this company so apparently they just want people to overdraft their accounts if they desperately need gas, or toilet paper so they can get the XXXX dollar fee. This company XXXX would be a huge help to customers in keeping them from paying those fees to banks. Me myself I can personally attest to how much this company would help people like me. I just was paid yesterday and my entire check went to coolant for my car, oil for an oil change, rent, and everything my XXXX year old needed and what my XXXX XXXX olds daycare requires him to have and as this is his first day of daycare today I needed a lot. I do n't have the money for gas to drive my XXXX year old to her daycare in moon for an entire week, I do n't have money for gas for work, I 'm at 1/4 of a tank my car is a gas hog until the oil is added and coolant. The only reason my bank has not joined with this company is to get the fees charged from having to overdraft when this application will eliminate the need for that. I feel all banks should be required to join with companies like XXXX to help eliminate fees being paid to institutions as people wo n't need to overdraft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: ERC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Franklin Collection Service, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX XXXX I received an alert that I have a collection on my report. I never received a call or letter from franklin collection service. I called the agency they stated it 's from XXXX for service I never received. I leased my home for 3 years and during this time I became a victim of identity theft. I submitted a dispute to the creditor they reported it again as a new debt. I also checked this collection agency is not authorized to collect debt in Michigan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have new information regarding an open complaint CFPB COMPLAINT # XXXX and XXXX. 
I received a letter today from XXXX XXXX that is reporting negatively on my consumer report. According to this letter the company sent Experian a letter on XXXX letting them know that I have handled this account and asked them to remove it. Experian still have this company reporting negatively on my consumer report willingly and knowingly. Experian is in violation of 15 usc 1681.

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 2019-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
did not appy for credit was a hard inquiry please remove from credit report. went to apply for company credit only found out that I had to have my credit pulled after it was done in the process of buying a home.

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 2019-06-12
Company: Experian Information Solutions 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:
GIVE XXXX XXXX XXXX PERMISSION TO PULL CREDIT AND NOW I HAVE SEVERAL UN AUTHORIZED HARD CREDIT PULLED AND WANT REMOVED, FRAUD

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 2021-03-26
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
1.BANK OF AMERICA MASTERCARD XXXX XXXX XXXX XXXX UNLAWFULLY TAKES PAYMENT OF $ {$23.00} BUT REFUSES TO CREDIT PAYMENT WITHOUT CAUSE OR REASON. FINE BOA.
2. BOA DEMANDS AN EMAIL ADDRESS BUT REFUSES TO PERMIT EMAILS TO IT. ANOTHER HYPOCRISY. NO EMAIL ADDRESS FOR BOA. I GOT FOLLOWING MESSAGE There was a problem processing your request.
We are currently unable to deliver your Online Banking Alerts to the primary email address we have on file. To correct this problem, please visit the Profile & Settings page and update your information.
SO LONG AS I CAN NOT EMAIL BOA, BOA WILL NOT GET AN EMAIL ADDRESS FROM ME.
3. BOA REFUSES ME TAPERECORDING THEM BUT THEY TAPERECORD ME ON PHONE CALLS. WHO SAYS BOA CALLS THE SHOTS?
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BOA IS ANTISOCIAL. BOA GIVES THE LEAST REWARDS AND GIFTS AND POINTS BUT SUCKS OUT THE HIGHEST FEES JUST LIKE MBNA.
BOA PARASITIZES. BOA REFUSES TO LEND STUDENT LOANS BUT IS AT THE FOREFRONT OF FORECLOSING. A TRUE PARASITE.
NO OTHER BANK MAKES APPOINTMENTS WITH BANKERS FOR CLIENTS. BANKERS WHO GIVE THE LEAST SERVICE. THERE IS NO NOTARIZATION AVAILABLE AT PARK AVENUE SOUTH BOA.
BOA IS A TRULY PARASITIC ANTISOCIAL INSTITUTION WHICH PREYS ON THE POOR WITHOUT ANY REDEEMING SOCIAL CONTRIBUTIONS. ITS ALL TAKE, NO GIVE.
BOA DOES NOT DEFINE STANDARDS NOR MAKE THE LAW TO SUIT ITS STOCKHOLDERS. IT IS SUBJECT TO SCRUTINY. BRING BACK GLASS STEAGALL.

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 2017-11-16
Company: Paypal Holdings, Inc
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Date-XX/X/2017 Amount- {$150.00} Company- XXXX  XXXX XXXX XXXX XXXX / XXXX XXXX XXXX, WA XXXX XXXX Ceditor-Paypal Client # XXXX XXXX Account # XXXX Amount Owed {$150.00} Sent this notice that the records of PayPal Inc show a balance of {$150.00}. XXXX due in full. 
This is an attempt to collect a debt. 

I have contacted PayPal and they did not show me owing any money to them. 

This is a fraudulent claim, I do not owe PayPal any money and they have no record of this debt.

Company response to consumer: Closed with non-monetary relief