BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank 's providing online banking services need to provide additional data pertaining to a users post-processing balance in order to prevent overdrawn charges from occurring. 

In 2017, banks reported {$11.00} XXXX in overdraft fees alone. This is big business for banks, and consumers are limited in banking options as they must adhere to these payouts to the large banks. 

Customers of large banks largely depend on online banking websites and mobile apps, along with text alerts for up to date balances. Due to the nature of how funds are transacted electronically ( wire, ACH, check, etc. ) funds are not immediately available and/or posted to the account. Instead, most transactions are processed at odd hours, or left in a 'processing ' state until mid-week when all transactions are dumped out in a single posting. Tuesdays are nightmare for most customers, resulting in an array of overdraft charges. 

Requesting to opt-out of overdraft charges is possible, but then a customer is left with fairly limited banking tools, such as no checks can be processed, etc. 

What I am requesting is an update to the interface of banking systems and their text communication which shows a Safety Zone balance that is required to PREVENT overdraft charges. We use our logic based on what transactions we've made, what we have pending, and what our current balance shows in our online bank accounts. 

The final balance displayed when items are in a 'processing ' state is hugely inaccurate. 
We depend on these balances to dictate what amount of funds will cover our pending transactions and our overall spending power. 

We need an indicator on the top of the balance ledger displaying a POST PROCESSING balance and/or a safety feature which uses predictive tools ( I have an ACH transaction posting every month on MM/DD ), which can notify via text, app notification, and/or display in online banking. We should not depend on third-party apps, notes, etc. when such readily available technology can be implemented into the website/apps.

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 2020-05-19
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my 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 2019-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I had a business credit card with Captial One Bank. I spent over $ XXXX on the credit card never missed a payment or was ever late. when i signed up they had a offer when you reach $ XXXX with in six months you get XXXX bonus miles, which ive reached. a month after Capital One shut my card down. I called, every Manager I spoken to looked over my account and said they are not sure why my account was closed and they were only able to tell me that I broke terms and conditions. I asked them what terms and conditions I broke and there response was they don't know. I wrote two letters asking what terms and conditions I broke and all i got back was I broke terms and conditions but wouldn't tell what terms I broke. I looked over the terms and conditions and no where does it state if my account gets closed are they allowed to confiscate my rewards. due to the fact that XXXX XXXX  refuses to tell me what terms i broke, that tells me i didn't brake any terms and conditions and even if they closed my account down it doesn't state anywhere in XXXX XXXX terms that they are allowed to confiscate my rewards. I haven't changed anything or done anything different since the first day i had my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 a loan with XXXX XXXX The current status should not be showing late because I paid it on time XXXX and TransUnion Credit Reporting Agencies lacks proper record keeping. The accounts are closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
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 non-monetary relief
Consumer complaint received 2020-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX is trying to collect a debt that is not owed. I never had this company as a credit card. I tried contacting XXXX XXXX to remove fraud account. I completed fraud packet and FTC reporting of this company. 


This company is reporting a fraud account knowingly. Ive been a victim of identity theft since 2008. Ive provided all documentation necessary to have this fraud account removed. This company gives you the run around and says account to old to identify when you call but will not take fraud account off of my report even though it is fraud and they can not validate this account. 
Please remove from my credit bureau reporting as Ive followed all FCRA guidelines to have this fraud account removed. Thanks

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 2020-05-28
Company: Riverwalk Financial Corporation
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XXXX XXXX, XXXX, Deville Asset Management reported to my XXXX account a balance of {$20000.00} from original creditor, XXXX College. My school had already been closed for an entire year at this point. 

On XX/XX/XXXX, I received information from the US. Dept of Education explaining due to my school closure, all of my student loans would be discharged. I followed up with the US Dept of Edu and spoke with a representative who explained that all of my 18 loans I had were all discharged. 

I have disputed the collection twice. I have never received and information from the collector explaining that they have taken it over. After speaking with the US Dept. of Education again, I was advised to reach out to the collection agency and see what is going on. 

The representative told me that my debt was bought and I owe them money. Again, I have never received any information from them regarding the debt owed other than the times I reached out to inquire my account. I requested for information regarding the account they have on me but they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The problem I have with waifer credit card is that they continue to charge XXXX dollars that I paid 3 years ago XX/XX/2017. I exposed this problem in XXXX of this year they fixed it and they reloaded the same amount now in XXXX how many times will I have to. pay this money where I bought my mattresses 3 years ago they only tell me that they have to go back to investigate again I do not understand

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Violation of 1024.33 Mortgage Servicing transfers On XXXX XXXX, we completed a refinance of our Chase home mortgage. On that date, XXXX XXXX wired the payoff amount ( wire confirmation included ), to Chase home mortgage. After the wire was received by Chase, they indicated the loan had been transferred to XXXX XXXX, XXXX. The payoff was then forwarded to XXXX XXXX, however it took close to 20 days and the new servicer deducted {$690.00} from our escrow refund to cover interest accruing. Under no circumstances should close to 20 days of interest have been accrued. Chase sat on the payoff for a week and then forwarded a check to XXXX XXXX. We were unaware of this process. 

When we contact Chase, their resolution department stated it was not their problem and we were notified of the transfer by letter form on XX/XX/XXXX. We do not recall receiving this letter. Additionally, we had a written payoff quote from Chase, ordered XX/XX/XXXX in the normal processing of our mortgage refinance. The payoff quote ( attached ) was good through XX/XX/XXXX. We funded our refinance on XX/XX/XXXX. If Chase was aware of the transfer of servicing, they should not have permitted a payoff quote through the date they planned to transfer. 

We feel as though there is a violation of CFPB rule 1024.33 and request the amount we were penalized of {$690.00} returned to us. In addition to the violation, we also feel as though 3 weeks to resolve and then charge us is unethical. 

We are attaching our closing statement, our payoff request through Chase and the wire confirmation. 

Our request is a full refund of the {$690.00} and we will consider the case resolved. 

Respectfully

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-20
Company: Experian Information Solutions Inc.
State: FL
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:
Yes, I have disputed several inaccuracies on my credit report to XXXX, XXXX, and Experian about several derogatory items on my report as well as late payments that have been added to my report inaccurately. I have reached out to them to verify and remove these inaccuracies over 30 days ago. Based on the letters that I have sent them this was on XX/XX/2020. As I explain in my letter to them my previous letters haven't gotten a response either. Now they are not responding to the ones I have sent 35 days ago. The copy that I sent them were signed and attached was a copy of my driver 's license and copy of my social security 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 explanation
Consumer complaint received 2017-08-09
Company: Radius Global Solutions LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted XXXX XXXX to request internet service at my residence. Prior to receiving service, I discovered that I already had internet available at my home, so I called to cancel with XXXX XXXX at XXXX XXXX on XX/XX/XXXX. The person I spoke to said she could n't cancel because the account had not been established yet. Soon I began receiving bills in the mail from XXXX XXXX. Somehow in this process two accounts were established for my same address and only one was cancelled after may call ( I did not discover this fact until a talking with XXXX at XXXX XXXX on XX/XX/XXXX ). I later spoke with XXXX on XX/XX/XXXX after receiving another bill and she assured me that my account had been cancelled. When I continued receiving bills from XXXX XXXX for varying amounts, I began calling again. On XX/XX/XXXX I emailed my complaint to XXXX XXXX and was told to contact the Retention Department. On that same day I talked with XXXX at the Retention Department. I was told the issue was solved on her end but to wait for an email from Collections confirming the account was cancelled ; I never received the email. I then received a collections letter dated XX/XX/XXXX for a " Balance due : {$160.00} '' After consulting the Better Business Bureau website, I was directed to a telephone number supposedly for XXXX XXXX XXXX " Executive Escalation Team. '' I called the telephone number listed on the BBB website on XX/XX/XXXX. It was their normal business phone requiring extensive hold time to make contact with someone who could help. I finally reached a supervisor who told me that my account was with the " Legacy Division '' and they transferred me to a non-USA office where I talked with XXXX, who found no reference to my complaint but told me she had made a billing correction and that I should receive confirmation of her actions from XXXX XXXX Collections in 3-5 business days - I never received confirmation. I then contacted XXXX on XX/XX/XXXX at XXXX and she discovered that two accounts had been made in my name. She told me that she was able make an adjustment to resolve the two-account issue. On the same day I also called and talked to XXXX XXXX at the collections agency and was told that he would " escalate '' my call to notify XXXX XXXX of my dispute and that I would receive a response back from the collections agency regarding XXXX XXXX reason for the bill. I have yet to see a response.

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 2021-05-21
Company: Experian Information Solutions Inc.
State: MI
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:
Per the Covid Cares Act, if in forbearance due to Covid related hardship the mortgage company should not be reporting the payments as late during that time to the credit bureaus. My mortgage company did, my credit shows late payments every month during forbearance.

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 2021-09-01
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
Hi my name is XXXX XXXX, I resides at XXXX XXXX XXXX XXXX, XXXX GA XXXX. On XXXX the XXXX 2021 I sent the 3 credit bureaus EQUIFAX, XXXX, XXXX XXXX a demand to see Verifiable Proof ( an original contract with my signature on it ) they have on file of the accounts I'm disputing. Its been 30 days later I sent them another letter asking for my results of my investigation, and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Application # XXXX I was on the XXXX website on or about XX/XX/2020, and was about to purchase a new computer. During the checkout process, an offer was presented to me for a Barclays credit card to finance the purchase of my new computer with 18 months of no interest on a Barclays credit card. Knowing that my credit score is XXXX, and with a desire to utilize the deferred " no interest '' period, I applied. Shortly thereafter, I got an email that said to call a certain Barclays Security number. I called that Barclays phone number, and the rep informed me that my application was on " hold '' because additional information was needed. The Rep instructed me to send a copy of the front and back of my driver 's license, social security card and a copy of a utility bill. I immediately complied and sent the required items via " snail-mail ''. I am trying to find out if I have been approved or if there is additional information needed. I have called XXXX and have been on hold for 61 ( still on hold as I type this complaint ) minutes, which is ABSOLUTELY ridiculous. So, I am contacting you to ask -- what is the status of my application? Doesn't Barclays have to provide me with some sort of status? All I have received is a couple of generic form letters -- and I have no idea if the documents I sent and Barclays letters to me have just crossed in the mail and I am approved and the card is coming -- or if I have been declined and I awaiting a card that is not coming. Also, why the heck am I having to jump through all of these ID hoops when I have had a Barclays savings account for many years? Barclays already know who I am and I have an outstanding account history with Barclays with my savings account with them. UPDATE -- So while I was on hold on one call trying to get through to Barclays, I called XXXX, at XXXX central time, on XX/XX/2020. The lady I spoke to looked up my application and said that the utility bill, XXXX XXXX, which is my ground telephone service provider is not acceptable. I will note that one of the " form letters '' that I received from Barclays after I placed my application reads, " Your drier 's License/State ID, Social Security Card, and current original utility bill or bank statement with your name and address on it. '' Well, XXXX XXXX is my telephone utility company. The lady I spoke with on the XXXX XXXX  call said that Barclays does not accept telephone bills for identification purposes -- which is misleading since their form letter reads " utility bill ''. Additionally, I have an savings account at Barclays bank, so they can look at one of my bank statements any time. This feels like unfair/deceptive trade practices in my humble opinion. Application # 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 2021-10-07
Company: First Technology Federal Credit Union
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a camera package online using my master card issued by the First Tech Credit Union. however the merchant used bait and switch technique and increased the price of the promised item after the purchase. When I received the item, it didn't seem to be genuine as the packaging was not original and the items were in opened boxes. I tried to reach out to the merchant serval times to cancel the order prior to it was shipped they didn't respond to my phone calls or emails. 

I contacted First Tech Credit union customer service on XX/XX/2021 to initiate a dispute for the credit card charge. I received a letter from First Tech Disputes team to request additional details regarding the purchase. The same letter advised me to ship the items back to the merchant. 

In the mean time, I tried to work with the merchant and returned the item back them. The merchant agreed to refund my money once they received the item. The merchant told me that they advised first tech to refund my money. 

I provided this proof to the bank along with email chain that I had with merchant. To my surprise, I received a notice from First Tech denying my claim with no specific reason. When I initiated this dispute, first tech sent out a letter to the merchant saying not to issue a credit to me and notifying them that the amount has been deducted from their account.

The merchant is denying to issue a credit citing the letter from First Tech. I have been trying to contact First Tech to issue the letter but was given different information the each time I called. They finally refused to issue any such letter today. I believe this bank has misled me throughout the process and caused me a lot of grief and stress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation