BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I tried signing in to my bank of America account and it said I can't access online banking and it said to call a number and I did they told me my business checking account is being closed and I asked why they said when I signed my contract it said that bank of America doesn't need to give me details of the closure of my account and the funny thing is I opened the account a couple days before the incident and haven't received my actual card yet I asked if they can reverse the closure and they said no and it final.

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 2019-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX IS SAYING THIS ACCOUNT IS CHARGED OFF THIS IS NOT TRUE. XXXX XXXX TOOK THE MONEY OUT OF MY SAVINGS ACCOUNT TO PAY THIS LOAN OFF SO THIS LOAN IS PAID IN FULL

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 2020-06-25
Company: AMERICAN EXPRESS COMPANY
State: FL
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 had an account with American Express cards since XXXX of last year. Then i had some purchases that i tried to dispute with the company as I do not recognize as mine. I spent months trying to receive dispute and asked proof of purchase from charges I did not recognize as mine, but never got the requested info so especially after the Pandemic and all the financial hardship I have been facing i decided to stop paying for something i do not recognize as mine. Instead of sending me the requested proof of purchase they simple referred my account for a debt collection agency which started to bother me even during weekends, early morning and late afternoon with no respect for my privacy and regular hours and reasonable ways of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I work for a XXXX XXXX company in New York as a XXXX. i have received my pay check since there was a technical issue with my direct deposit. i went to XXXX new jersey branch to deposit the check since i was in need money very urgently. i deposited the check and next business day early morning XXXX XXXX funds available, since i was in need money very urgently, i had sent money through XXXX to one of my friend, the amount i sent was {$2000.00}. 

After that bank of America put my account on hold, there should be almost XXXX in my bank account, everything they made as negative. now my bank of America account is showing - {$1400.00}. i called my company HR and every single my co worker about this issue, they all said they don't have any issue with their checks. i called the bank of America they were telling my actual funds will be available on XXXX XXXX   i am not doing any gambling or cheating or fraud, why my account was on hold and why they took my money, i don't have any other bank account to feed my family with XXXX XXXX and XXXX year old kid.

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 2019-01-21
Company: PDQ Check Exchange LC
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I owe Money4you {$1900.00}. I have made payment arrangements, but they will not accept what I can afford so I have not been able to keep current. They have reached out to my employer many many times to the point that my employer is putting pressure on me. They have also disclosed information such as the purpose of the call, the amount owed, and other information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Capio Partners, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account ASSETCARE XXXX balance {$3600.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely.To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING.The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX XXXX of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, ASSETCARE. I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Account has been closed by XXXX a long time due to an issue with payment and the faulty camera they provided. XXXX closed credit account in 2015. They transferred file to a third party. They are still claiming that account is open and they are still reporting missing payments which is innacurate. Account is no longer open. See account status : XXXX : XXXX XXXX XXXX reporting inaccurate information is PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The 3 Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 Credit Bureaus have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; SXXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired XXXX XX/XX/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 2020-05-08
Company: PNC Bank N.A.
State: PA
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:
XXXX, a company I rent office space from, charged me {$370.00} on XX/XX/2019 and {$260.00} on XX/XX/2019 for use of the copy/printer. I believed the copy/printer was included in the rent as they did not state that it wasn't and no where in their House Rules, Terms and Conditions or in my contract does it state the copier/printer was an added fee and no where does it state what those added fees are. Due to XXXX charging me for the use of their printer and not disclosing to me the fees for the use of the printer I attempted to dispute these charges with PNC bank which my business credit card is under. XXXX automatically charges me each month and when I saw the additional charge in XXXX I mistakenly assumed it was for my other office space that I was renting from them. When I received my XXXX invoice I realized the additional charges were for the printer use and not for my other office space. I contacted PNC in XXXX about these printer charges to see what could be done as XXXX was not helpful in resolving this issue with me. PNC told me they would investigate. No one from PNC called back and I never received anything in the mail. A couple months went by and I realized nothing had been resolved about these charges. I called PNC and was told the case was closed out and everything was resolved. XXXX had double charged me for rent in XXXX as an accident and PNC thought this was the charge I was referring to and said it was refunded and closed the case out. Additionally, I never received any mail regarding this decision. I refiled dispute cases against both these printer charges in the first week of XXXX. I provided PNC with the invoices with the printer fees and a copy of XXXX 's house rules, terms and conditions and my contract showing that in none of these documents is the printer mentioned as being an additional cost and no document stated what the printer costs were. PNC closed my dispute cases against these charges at the beginning of XXXX stating that they did not see anything wrong with these charges even though the documentation I provided to them clearly did not list the printer as being an added cost nor do any of the documents show what the printer costs are. PNC also told me it was too late for me to dispute these charges but I did attempt to dispute them in XX/XX/2019. PNC did not handle the situation correctly and closed it out. I feel that PNC has handled this dispute improperly from the beginning and I am just getting the run around from them and they made it clear they are not going to help me. This is now going on 6 months where this issue is still not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report and I am doing this on my own behalf. 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 non-monetary relief
Consumer complaint received 2019-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report and I am doing this on my own behalf. 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
Consumer complaint received 2021-04-06
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:
XXXX  disputed and account twice XX/XX/2020 and XX/XX/2020 with XXXX XXXX  reporting inaccuracies on and account it says I had and deposit related account 1month term which XXXX was written off XXXX is past due and 10 charge off XXXX refused to remove the error stating that they just report what the company sends I explained to XXXX you can't have an account with a one month term have a written off amount an past due amount and 10 charge off on the same account and it all be correct they refused to remove the inaccurate information and it has to be disputed a 3rd time they are in violation of the ftc rules Transunion llc was disputed as well same information provided error not removed

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 2019-01-21
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On Saturday XX/XX/XXXX I attempted to purchase digital gift cards from PayPal using my PayPal account balance. I attempted to purchase several gift card sets and received the following error message : " Sorry, we can't complete this purchase at this time. Please return to merchant and choose another way to pay. '' It took three emails and two phone conversations to determine that PayPal is arbitrarily blocking my payments and won't provide any insight as to why or how to remedy the situation. I can only describe this level of service as terrible. PayPal can not provide any insight in to why the transactions are being blocked. They offer no remedy or potential solution other than to try again in 2 hours or 24 hours and it might work but there is no guarantee that it will work within that time frame ( or ever ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
on XXXXan unauthorized transaction for {$2000.00}. And another Unauthorized transaction on XX/XX/XXXX for {$830.00}. I became aware of Unauthorized activity on XX/XX/XXXX when I called US Bank to report I was locked out. This is the second time USBANk has allowed someone, other than me, access to my account. On XX/XX/XXXX a us bank employee informed me that someone made numerous calls in attempt to gain access and that a us bank employee eventually provided that access without verification of passcode on file. She said she would provide that documentation in my file. I provided a written dispute form and a copy of my id within ten days but I recieved a case closed letter XXXX stating no funds would be credited. Us bank 's own customer service representative, XXXX, informed of them allowing someone access without verification of passcode as well as the multiple calls made to gain this access. I tried contacting us bank but employee said it was nothing they could do. 
THESE UNAUTHORIZED TRANSACTION OCCURED ALMOST IMMEDIATLY AFTER USBANK RESOLVED THE FIRST ISSUE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-12
Company: SYNCHRONY FINANCIAL
State: GA
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:
I received an email saying i was denied a credit card through paypal. I never applied for credit thru paypal. Someone is using my name to apply for credit when i haven't applied for any credit within the past 8 months. I'm trying to clear my credit. I need this removed.

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 2019-01-22
Company: The Bureaus, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've contacted XXXX XXXX XXXX / Bureaus Investment Group about a XXXX  XXXX line of credit that was fraudulently obtained in my name. A police report was filed and all 3 credit bureaus notified. The XXXX XXXX account ending in XXXX was removed but Bureaus Investment Group has added it back to my credit profile with themselves listed as the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted all of the collections on my credit bureaus. I asked for debt validation and verification letter confirming details of debt and I haven't received any information or response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-08
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation