BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
During a XXXX  call with two Bank of America reps in XX/XX/2021, I was told by one of the reps that my checking accounts were being charged an Analysis Fee that was not meant for my small business. It was for much larger companies that transacted {$2.00} XXXX monthly and had an ERP with BOA. The amount was over $ XXXX/mo every month for 15 years! I believe BOA may have stolen over {$200000.00}! When I asked about the account in the past, I was told by BOA that it was for treasury, or that it was on my statement and that's all they had to divulge! If I kept asking why I was being charged this analysis fee I would be disconnected, or BOA refered me to a rep who would not respond! 

For complaining LOUDLY, BOA deemed me a risk and my account was frozen and deleted on XX/XX/2021. But not before BOA charged even more fees and on my newest account which was never charged this analysis fee before! 

A BOA VP called me twice and told me that I was being punished! When I complained to a Bank Branch, this same VP called me again and said that I was vulgar! He claimed he had evidence that I signed up for this anaysis fee. When I asked to see it, he responded that he did not have it in front of him. I asked when he could send it to me. The VP claimed that next day. I have never heard back from this VP, and BOA did not respond to my Better Business Bureau complaint. I was told by one BOA rep that I the paperwork involved to set up an analysis fee was enormous, so I would have remembered! 

I have the names of everyone I spoke with and the dates. Please let me know what I need to do to receive restitution for BOA egregious acts.

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 2019-07-12
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX secured credit card is reporting inaccurate information on my credit report. I have submitted a letter from the bank my credit report as well as a letter for this company to correct the error. Since disputing the company has moved the late payment to another month. I am in the process of purchasing a home for my family and I and this has caused major delays with my approval and of course causing me to get higher intrest rate. I have worked hard to maintain a good report and this error is causing significant problems. Please see the attachment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: GREAT WESTERN BANCORP, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
There not giving me my score to XXXX, cause they had discriminated me about my credit report and my score. Still ignoring me about it. XXXX, XXXX XXXX. Since now XX/XX/2018 still not improving my score. I guess court time

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 2020-10-10
Company: Synovus Bank
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
In 2017, I was paying my account as scheduled, and was carrying a zero balance. the company charged an annual fee that I was unaware of and thinking I was carrying a XXXX balance, I never bothered to check my account, and wasn't notified that they were charging the annual fee. Not until I got notified by mail of my account being closed, did I know that there was a charge and 90 days reported late on my Experian credit report. As my prior history shows, I value the credit process and was responsible. I continue to be responsible as my history shows. Id like for the late payments to be removed from my credit reports so I can continue to strive for my mortgage qualifications. Ive allowed for these marks to effect my chances for the past 3 years, and need to move forward from the experience. First Progress Card opened in XXXX XXXX reported on XXXX , then closed in XXXX and stopped reporting on XXXX   and started reporting on XXXX and XXXX XXXX XXXX I don't understand why that happened. but resolution would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
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: Information belongs to someone else

Complaint:
i feel my personal informantion was taken around 2017 used to get car loans and credit for numerous lenders i was advised to submit this form to take actions for the fraudulent accounts thaf was open in my name without my authorization

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 2020-06-26
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Today, XX/XX/2020 my Equifax score drop 50 points from XXXX to XXXX and the only change from last month was that a hard inquiry dropped off my report. I called Equifax and discussed my concern, the representative could not provide any reasoning as to why this happened. He stated is all part of their calculations and algorithm. This is mind boggling and very frustrating, I cant even get specific answers as why my score dropped significantly. A inquiry falling off your report is a beneficial thing. Please help me, Im trying to buy a house and this unfair, and Equifax can not provide me any details and say its not disputable cause its their algorithm. I feel so helpless after working so hard to get my score up to obtain a mortgage loan, and to have this happen, I feel depleted and hurt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: EdAid Limited
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
I applied for a private student loan recommended by XXXX University in order to attend their cyber security program. Edaid asked me to upload a picture of myself and 2 social media accounts which I did. I met the income requirements because I am a XXXX  whom makes XXXX $ a year at the time of the application and was only required to pay XXXX $ a month. Next the lender used my lowest credit score and based it off of old accounts from over 3-5 years ago which have all been closed or paid off. Furthermore when I checked my vintage score with XXXX  it was a XXXX, when I did the application it was a XXXX. They based their decision off of my XXXX  score but then I received an email which says its based of my XXXX  score. So I am getting mixed messages and feel as if I was denied the loan because of the XXXX of my skin because I qualified for the loan for XXXX . This caused me to not enroll in the program with XXXX University though I received a 90 % on my entry exam. My email is XXXX and XXXX. My phone number is XXXX. 
I emailed you earlier and you began an investigation but i lost my old information ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have disputed this with the company but have had issues trying to remove from my record and establishing an account with credit limit according to my credit score of XXXX before fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Vinci Law Office, LLC
State: CO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On or about XX/XX/XXXXXXXX I was improperly served with a legal complaint which was written up on XX/XX/XXXX according to the documentation the law firm submitted to the courts. The documents included in support of this alleged debt, that I in no way admit to owing, state that the account went into delinquency on either XX/XX/XXXX or XX/XX/XXXX either of which dates are sufficient to prove that this legal action was time barred by Colorado 's six-year statute of limitations. 

On XX/XX/XXXX I letter sent by certified mail that served as legal notice pursuant to the Fair Debt Collections Practices Act, 15 U.S.C. 1692 and the Colorado Consumer Protection Act ( CCPA ), 6- 1XXXX101 to -115 C.R.S., 1969, for the company and law-firm to to cease and desist their legal complaint and all other collection activities associated with the debt alleged in said legal complaint. 

On XX/XX/XXXX I returned a call to XXXX XXXX XXXX # XXXX and he stated that in conference with his client that he had decided to offer to dismiss the time-barred lawsuit if I in turn would release his client and himself from their liability under the FDCPA and CCP. 

By attempting to negotiate with me and using the threat of a time-barred lawsuit which is already in motion, his actions have been sufficient to trigger an additional cause of action under the FDCPA. While simultaneously voiding any right they have to claim the protection of the bona fide error defense due to their refusal to dismiss the time-barred suit after receiving notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: EQUIFAX, 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 MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, AND ACCOUNTS THAT DONT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: Experian Information Solutions Inc.
State: TN
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:
This XXXX XXXX # XXXX  was " paid-in-full '' on XX/XX/16 and " closed ''. The account is incorrectly being reported as " Derogatory '', " Open '', and in a " Payment Plan ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Resurgent Capital Services L.P.
State: CO
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 lodged a dispute with XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I started this process again in XX/XX/XXXX and most recently in XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: CITIBANK, N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This is a complaint about FRAUD AND ID THEFT by withdrawing money from my savings account at Citibank. Someone registered on XXXX using false documentation and my personal bank details, which I have kept confidential without sharing with anyone, and made several automatic debits for usd {$500.00} without notification from the bank to me that this was happening. The debits started in XX/XX/2019 until XXXX of that year when I realized what happened and started a claim with Citibank. The number of transactions made exceeded the limit of transactions allowed by United States Federal Law, and the bank did not stop these transactions, concluding with the closing of my account for that reason. For example in XX/XX/XXXX 10 withdrawals were made from my account and the limit is 6. This complaint requires the return of USD {$8500.00} drawn from my savings account at CItibank without authorization from me. 

yesterday I received a notification from Citibank USA indicating the payees registered in an ATM / Debit card that I personally cancelled in XXXX at their offices in XXXX, I do not have payees registered by me, however I see a person registered that I do not know so I can verify that the security measures are definitely vulnerable, since someone re-entered my account to register and make automatic payments from my account again. This person has the name of XXXX XXXX, whom I have never met in my life. 
This is additional evidence to the identity theft and fraud that I reported in my previous cases : XXXX, XXXX, XXXX, and for which I continue to claim {$8500.00} fraudulently withdraw from my savings account. 
I have sent letters to Citibank on this matter and they open the case one day and close it the next day without doing any deep investigation as I requested in several times since last year.

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 2021-04-09
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX {$7700.00} XXXX  XXXX  XXXX XXXX {$430.00} XXXX/XXXX  XXXX {$980.00}. Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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 2018-06-08
Company: Experian Information Solutions Inc.
State: OH
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:
Experian is getting about as horrible as its going to get when it comes to being in violation of FCRA laws. The first thing they did was I sent out a certified request for them to verify who did they get their information from about a bankruptcy on my report. They sent back a notice that says they didnt have enough info to complete the request although I included all necessary identifying information that they needed, the letter was straightforward and fairly simple. Second, they are constantly removing INACCURATE personal information, addresses, etc. but placing it back on the credit file without sending notification within the 5 days like they are supposed to. And this stuff is coming from stuff that is already reported on the report so if its being disputed it clearly is inaccurate and a lot of it is beyond seven years old. Not only that, but they are also not verifying this information but rather placing it on the report no matter who it comes from. They were sent a letter on XX/XX/XXXX indicating that XXXX XXXX XXXX were to validate their account in which they have not and the 30 days have passed yet they have not removed them from the report. They have put a debt on my credit report from XXXX XXXX and these people have yet to send me any formal written communication about this debt, I still wouldnt know anything of it if it werent for credit monitoring. They are getting to be ridiculous to deal with and I dont have these many issues with the other two bureaus. As of today I am going to fully exercise my right to file lawsuits and whatever else needs to be done to bring them in line with FCRA guidelines

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 2019-09-17
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
OCWEN lost our loan when we refinanced with XXXX. 

XXXX took over our loan in XXXX, 2019. 

OCWEN was holding {$2200.00} in escrow at that time. 

OCWEN returned {$710.00} on XX/XX/XXXX. 

OCWEN still owes us at least {$1500.00} in escrow funds. 

We contacted OCWEN and they told us we had to fax them a written request for " research ''. 

OCWEN is way beyond the statutory time limit for returning all of our unused escrow funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2019 I opened two accounts ( checking and savings ) responding to the {$500.00} offer by Citibank. I was assisted by the banker XXXX XXXX who received the copy of the offer and confirmed that I qualify for it. The offer required keeping over {$15000.00} in both accounts for a period of at least 60 days plus qualifying direct deposits. Both conditions have been met so when I returned from a trip abroad I checked my account balance and I didn't see the deposit so I called the banking center. The bank center indicated they are not aware of any offer so I sent an email to Ms XXXX which was subsequently returned as invalid user. I asked my XXXX for help so with my authorization my XXXX contacted the branch XXXX Ms XXXX by email. The email indicated that the branch manager is on vacation with a return date of XX/XX/XXXX. Subsequently I called and left the message for call back and none came. My XXXX  also called and the calls were not returned. 
It is very strange that if someone calls the bank and a person within it, the Citibank staff completely ignores it pretending that the issue didn't exist. 
I respectfully ask Citibank to honor the terms of the offer since the branch 's staff feels it can ignore customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
REVISED STATEMENT : COMPLAINT XXXX. On XX/XX/XXXX contacted BBVA in regards to receiving my provisional credit for Account ending in XXXX. Customer service representative refused to give me the fax number to fax my complaint and when I requested to make a request over the phone to provide proof of my complaint she stated there was no record of my complaint even though I provided her with my claim number from Consumer Finance. I am revising and updating my complaint due to BBVA Compass bank stating they have no record of my complaint. My initial complaint was completed on XX/XX/XXXX allowing the following disputes to be addressed and researched. I am disputing the following charges : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Total unauthorized charges/transactions in error : {$1500.00} After investigating these charges ; I am also disputing the NSF ( non sufficient funds ) fees associated with these charges. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX Non-Sufficient Funds Total : {$380.00} TOTAL DISPUTED CHARGES : {$1900.00} ATTACHED ARE RECEIPTS FOR TRANSACTION IN THE AMOUNT OF XXXX VERIFYING AMOUNT PAID NO MERCHANDISE. 

XXXX RECEIPT FOR ONE TRANSACTION IN THE AMOUNT OF {$750.00} CARID EMAIL STATING REFUND WAS TO BE PROCESSED IN THE AMOUNT OF {$190.00} LETTER RECEIVED ON XX/XX/XXXX DENYING TRANSACTION IN THE AMOUNT OF {$4500.00} FROM XXXX. I HAVE NO RECOLLECTION NOR ANY DOCUMENTATION OF THIS PARTICULAR DISPUTE OR FUNDS BEING REMOVED ON THAT DATE. 

EMAIL RECEIVED ON XX/XX/XXXX VERIFYING THE 10 DAY TIME FRAME HAS EXPIRED AND BANK REQUESTING ADDITIONAL TIME.

Company response to consumer: Closed with explanation