BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-09
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I signed up for a credit card with Best Buy some years back at the XXXX, Florida store location. I noticed I have been being charged for a " fee '' called Enhanced Debt Protection plan. This plan is approximately a dollar a day. <P/>I called Best Buy and wanted to report this as fraud for which I was denied this right with them saying I had signed up for this plan. I also spoke with Citi bank who the card is through and also asked to report this as fraud and they also denied me the right to file a fraud complaint saying because I had signed up for this plan. Again, I told them I had never signed up for such a plan. I also called this so-called Enhanced Debt Protection plan number and had them to cancel this immediately and informed them I had never signed up for any such plan and that these were fraudulent charges and demanded that I receive a full refund. I was told that they would cancel this plan but it would be thirty days before I would get a letter in the mail saying if I would get a refund or not. I asked for an address for Enhanced Debt Protection and a phone number and was given a post office box in Texas and was told there was no other physical address of phone number to reach them. <P/>I sent an email to the Best Buy XXXX, Florida store tonight asking for help in this matter as well. I asked that they try to find my application and make sure there was not a glitch or a mistake or that someone had made a change in my application. <P/>I have seen online, after searching for an answer to my problem to see if others had the same problem, where this was a problem for many and they have said they also never signed up for these plans. <P/>From what I have read online it appears that this has been going on for quite some time now. I want my money refunded. This is purely a fraud/scam. <P/>Also, there is no email to reach Best Buy corporate available on the Best Buy website. I am tired of calling and getting no where on the phone with people. I want to start putting everything in writing.

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 2017-11-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Said their INVESTIGATION determined that my identity theft ( which was acknowledge by the IRS ) was / is unrelated to the use of my information to get medical treatment. The IRS does not respond to 3rd party requests. It is very difficult for me to get through to the IRS on my own account. So how did XXXX arrive at that conclusion My signature is not shown or seen in any of the documents given XXXX XXXX has sent me a bill with a different address than my own from XXXX. 
The address written in for the affidavit was the address used at the time of fraud I have NEVER resided at XXXX XXXX XXXX XXXXXXXX in XXXX XXXX XX/XX/XXXX is the date of the letter not the date the letter was actually sent. No correspondence From XXXX was received until XXXX XXXX A spreadsheet with names and numbers does not verify this accounts as being mine. 
The bill also had a name I do not know and am not associated with. 
My research show that the insurance for that bill was with XXXX am with and have been with XXXX XXXX XXXX ( please see attached docs ) In their response to the CFPB XXXX claims to DEMOGRAPHIC information provided by XXXX. What information would that be? 
XXXX XXXX 's investigation and reporting are not lawful

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I made a payment of {$2300.00} on XX/XX/XXXX and the credit card company USAA placed a hold on my cc until XX/XX/XXXX. The company refused to remove the block or return the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I 'm filling a complaint against bank of America I had some temporary credits issued to my bank account because of a problem with my cell phone provider and they were not able to resolve my dispute and had to reverse the temporary credits on XXXX XXXX 2017 and I called them a week before asking them to give me an extension till the XX/XX/XXXX which is when I get paid I get paid every 2 weeks from my employer and I usually need this money to survive on again I asked them to extend things to the XX/XX/XXXX and then on Friday XX/XX/XXXX I went to go have some lunch and went to pay with my card since I had just got paid only to have it be declined I looked at my account online and saw that money was taken out by bank of America for the temporary credit reversal I called them and they told me that my extension had been denied so I asked them to return the money cause again I need that to survive on for 2 weeks until my next payday I was never notified of the denial they lead me to believe that it went through I want bank of America to return what they basically stole from me I make very little from my employer I want this agency to help me out and since I 'm from Massachusetts and yes which is represented by senator XXXX XXXX the founder of this agency I figured they can help me out

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 2017-11-13
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
In XXXX I purchased a {$500.00} prepaid card at XXXX. Upon trying to use the card, it did not work. When I called the issuing company, it turns out that the card were used at stores and cities I have never been to. I filed a complaint with the company on XXXX XXXX and sent in the dispute paperwork on XXXX XXXX. Since then the company has refused to give me any update on the statuses of the card and they insist that they have up to 90 days to investigate the matter and return the funds to my card.

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 2019-10-18
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I recently overdrew my US Bank business checking account between the dates of XX/XX/2019 and XX/XX/2019. On XX/XX/2019 I deposited plenty of money to cover all the overdraft payments and also the eccessive fees that they charged me on my account. On XX/XX/2019 I called to discuss my situation with US Bank to complain of the eccessive fees and to request a refund of the overdraft fees or at least a partial refund. I spoke to two managers and neither was willing to help me out with a refund. I don't agree with their payment processing method and policy on overdraft fees and overdraft protection service. I explained that the service and fees are actually hurting me and I think the fees are eccessive and also I never authorized them to charge me a fee in the first place, so I feel they are stealing money from my account. I want them to refund the money they stole from my account through their overdraft protection service, which I did not know was optional to have when I first opened the account. The service was not explained to me and I did not understand what I was doing at the time I opened up the account with the overdraft protection service. Now that I understand the overdraft protection service, I feel it is theft of my money, I do not agree to it and I never authorized the overdraft charges. So I consider this action a theft of my money from my US Bank business checking account by the bank itself for a motive of profit.

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 2017-11-13
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX XXXX XXXX keeps changing the status of this account on my credit reports. First they were reporting that this account was included in a bankruptcy ( which I never filed for ). I immediately disputed that information and the bakruptcy was removed. Then the account was showing as a XXXX balance now this month it is reporting from XXXX balance to a balance of {$6600.00}. This information is incorrect. XXXX has finally removed this account off my report. XXXX just changed my report adding this balance from XXXX to XXXX which caused my credit score to go way down. This account has been agreed upon to remove off my credit reports. Every month it keeps changing and XXXX XXXX XXXX XXXX XXXX keeps adding additional information in the comments which is affecting my credit score in a negative way. How can a previous month report as a XXXX balance then this month report a balance of {$6600.00}. This was finally corrected and now were back to square one. I spoke with XXXX XXXX XXXX months ago and this problem was rectified now it 's reporting as I missed a payment that is 30 60 90 days late. This is crazy and I am submitting this complaint about XXXX XXXX XXXX XXXX/XXXX/experian about reporting false information and not fixing 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 2017-07-09
Company: EQUIFAX, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Equifax has re reported XXXX XXXX XXXX on my credit report without a 5-day notice which is against the law. <P/>According to the FCRA : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. <P/>( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: BB&T CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019 I opened a account with BB & T bank. I transferred XXXX dollars to open my account. On XX/XX/2019 the funds were transferred from my third party bank and no longer available in my balance. I logged into BB & T and noticed the funds were posted however they were placed on a administrative hold by an unknown person at BB & T. I called several numbers online which was a dead end and only being automated. I frankly called the branch and explained to a representative what was going on she pulled up the account and her response was oh its a new account and thats not good enough for me! I explained to her I have several friends who recently within the past few days opened accounts all being over 100 dollars and they money was made available immediately. She then repeated the exact same time she said the first time which made me feel as she just simply didnt give a dam because it wasnt her money or her problems. I explained to her I have a bill that has to be paid and cant nobody hold my money like that for a whole week period because if I dont pay my bill I face a late fee or services being disconnected depending on how the company feels at that time and thats not fair because the bank dont have to pay it I DO not all of us are doing fraud or a scheme and I shouldnt be treated as I am. I live near several braces hes here and had I known they were holding my money for a week I wouldve just took cash into the branch instead of being treated like a thief and them using discretion and being bias because I strongly feel if I was white when I made that phone call her tone wouldve never changed and she wouldve personally removed that hold. I have a college education and the way that lady talked to me I started to curse her out but I chose to ask for a manager only to be transferred to an answering machine and this was at XXXX. Its not XXXX. And I still havent heard a thing or have a message for a return call which is very unfair because when u go to the branch they all be laughing eating fruit bowls and keeping up office mess. They dont be doing nothing. 30 minutes ago at XXXX I logged into the app and called a branch that was listed only to be sent to voice mail and still havent received a call back. I cant afford to pay fees to a company because an individual decides to put a unnecessary hold on my account when I can easily prove 5e funds are no longer in my account and I know for a fact they have ways to verify it and they do have the funds.

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 2019-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY.. DELETE 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 explanation
Consumer complaint received 2019-07-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I recently filed a complaint with CFPB against Wells Fargo and I did get some resolution but it was not satisfactory. After reviewing the results, I feel it necessary to file another complaint. This one is in reference to the fact that the did not mention in their response that they credited over {$9000.00} back to my account. I am certain that they should have credited more. As a result, I am submitted another complaint in that regard. Additionally, I find it inconceivable that CFPB could do no more that what was done. The loan I have with them was issued during the time they were issuing loans they knew the value were inflated. To say that this property was appraised in excess of {$100000.00} is an absolute falsehood. The tax amount assessed yearly is {$800.00} and if it were valued more, the tax collector would certainly have no issue doing so. Other proper valued at say XXXX tax assesses at {$3800.00} per year. When this loan was issued, the property assessed value was not the $ 100K+ as Wells Fargo 's appraiser reported. The appraisal done by their appraiser was inaccurate and a fraud. This was all done in an effort to substantiate this inflated loan as they have done thousands of times over at Wells Fargo.

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 2019-08-03
Company: Navient Solutions, LLC.
State: DC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have received these fraudulent Credit collections on my XXXX  Credit Bureau Report from XXXX XXXX/NAVIENT/XXXX XXXX. I have sent a letter to the company and XXXX dispute stating that I want them removed. I have never taken out a Student Loan and I want these collections removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XXXX This email is associated with a scammer selling items online then not following thru with sending items purchased thru paypal services paypal doesnt cover all transactions when sent certain ways and that how the purchase cant be canceled and money refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XX/XX/2019 Comenity Bank decided to lower my Credit line, in XX/XX/XXXX of this year they decided to close my account after paying on time for 22 months, and after having a XXXX balance, for 3 months they decide to close my account. and no explanation. Credit file shows as closed by Lender, and has a detrimental effect on my credit score, they offer no explanation as to why the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I wanted to set up automatic payment from my bank to pay the full bill every month on my Bank of America XXXX XXXX obtained through XXXX XXXX XXXX. I filled out the form from XXXX XXXX and wrote in that I wanted to pay the full amount every month. When the approval came through I noticed the credit card company was only taking the minimum monthly bill in the future. A cozy way for them to let the balance ride and charge me interest. I called XXXX XXXX, complained and had that automatic payment canceled. The person on the phone sent me another paper application and told me I could also make the arrangement to pay the full amount on line. Well I tried on line but there was no option to pay the full amount every month. On the second paper application there was again no blank to direct paying the full amount every month. Previously I had written in the instruction to pay the full amount every month. Knowing this would not work, I did not resubmit the paper form, nor try the online form, which also did not offer the option I sought. So far I only used the credit card on my first in-store purchase at XXXX XXXX XXXX and have, which I paid by check, but have not used the card since. XXXX has an option for paying the full amount monthly on an automatic basis, which I take advantage of for two Visa cards. I think the failure of XXXX XXXX to offer this option is a sneaky way to keep running balances so they can charge interest.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 in the process of buying a home and realize there is a lot of inquiries on my credit report that I did not authorize. I have contacted the companies and none of them have a written consent from me to run my credit. These are not factual inquiries they are identity theft inquiries. here is the list of inquiries that need to be removed :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation