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

Complaint:
Today, XX/XX/2020 at XXXX XXXX when I looked at my checking and savings accounts both said XXXX balance even though I have a very large sum in the bank. 
I immediately called the fraud department at Bank Of America who told me they were having a " problem with the app '' and assured me my money was safe. 
After 3.5 hours I called again to ask WHY the bank had not notified customers of the problem and I was told they are aware of it and were working to fix it. The bank representative said she would file a compliment with the bank. 
My concern is with all the problems going on today and branches closing, etc, this may be a larger problem than just the app. 
BofA needs to take immediate responsibility to notify all customers of the APP problems.

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 2020-08-05
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2020, I sent Equifax a letter disputing an account ( XXXX XXXX ) listed on my report with Equifax, I believe to be inaccurate. Based on my certified mailing tracking record number XXXX they received the letter on XX/XX/2020. It is now XX/XX/2020 and I have received no response at all. By not replying in a timely manner to my initial letter Equifax has not only violated federal law ( FCRA ), but has also failed to provide me with a copy of any viable evidence showing the account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Rewards

Complaint:
I have a Citi Dividend card and a City Thank You card. They both provide rewards points. Shockingly, despite promising rewards points, Citi Cards actually cancels all those points, effectively stealing them from their customers, after only a year. The catch they have created is that you must accumulate a minimum of {$50.00} in order to be able to cash them out. Unfortunately, I can not spend enough to accumulate {$50.00} in rewards points in less than a year. So, Citi Bank effectively steals the money they supposedly rewarded me with after only a year. This is in effect false advertising, because these are no rewards points ; these are temporary incentive points to try to force you to spend more. And if you do n't, the bank simply steals the rewards they claim to have rewarded you with. I am not aware of any other credit card provider that have the same catch-22 policies to cheat their customers out of their rewards points.

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 2023-02-08
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Date XX/XX/2023 ( XXXX XXXX XXXX XXXXXXXX ) My Paypal business account suddenly got banned without any reason or explanation I'm using paypal for my small business and I'm asking CFPB to help me with my case with Paypal Thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
My information was sold to a 3rd party without my permission. I did n't sign anything for my information to be released to this comp [ any. This has impacted my credit score bad.

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 2020-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
To whom it may concern : There were some charges on my debit card which I did not recognize. Tried calling the company but was unable to connect. 

Can I get or review debit card statements? 
Is there any fee or charges? 
What do I need to do to get statements? 

Thank you.

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 2015-04-29
Company: IQOR US INC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I XXXX XXXX DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND INCARCERATION I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT. 
BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND INCARCERATION I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-13
Company: IQOR US INC
State: CO
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was stupid when I was younger I believed the college loan programs estimates of what I would be making in my area when I graduated college! These people would not lie ... would they??? I was contacted by Allied Interstate ( formally XXXX XXXX ) for my defaulted student loan. The person who contacted me knew nothing about my background and loan information so much so, that I indicated that I wanted to check this company on line. Have you checked this company on line? If not, please do, it is interesting as to what has been said. The sad thing is this company still seems to be doing the same not posting payments indicating people owed more after the payment term was up, etc. ( found info on line ) With student loans if you do not repay they trash your credit then you can not get a job that pays you enough to live so you remain in default! No wonder so many just refuse to repay .... or just can not repay! I want to repay my loan but I want to repay my loan to a company who actually knows me and my situation not just out to make a buck! Does n't really surprise me that the government chose this company ... Does it really surprise anyone that the government student loan default ratio is so high???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-23
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
FedLoan Servicing continues to send me bills for loans I did not make even though I have proof that I did not. The company states they made loans to me although I received no monies from them. They also state they sent monies to University XXXX who returned all monies to them. I have receipts from the University XXXX proving my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: Experian Information Solutions Inc.
State: IL
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:
The credit bureaus are reporting inaccurate information on 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 2020-05-21
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:
I have been shopping for cars for about a month and today XX/XX/2020 I was at the XXXX dealership and I found a car I liked so they ran my credit to see what my monthly payments were going to be as well as the interest rate ; however when my credit report came back, I was told that I didn't get approved at all because there were a few accounts in negative standing on my credit. I looked through my credit report and I saw two accounts on there that I never opened. The accounts are both from this company US BKPT CT CA XXXX. Neither of the accounts from that company belong to me and I have never allowed anyone to open those accounts with my personal information. I did not take part in any transactions or payments made towards any of those accounts. I do not have any contract or agreement with those companies and I never gave them permission to access my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible 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 non-monetary relief
Consumer complaint received 2020-01-04
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2015-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Billing statement

Complaint:
On XX/XX/XXXX I took a {$200.00}. cash advance from my Capital One Master Credit Card. I made extra payments to cover it XX/XX/XXXX. My last statement dated XX/XX/XXXX has a cash balance of {$1300.00} in addition to my purchase balance how can this be I never missed a payment on my card. No other cash advances were made on my account since the {$200.00}. in XX/XX/XXXX. How can my cash advance of {$200.00}, in XX/XX/XXXX carry a balance of {$1300.00} in XX/XX/XXXX after making regular monthly payments on my account since XX/XX/XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I had opened an account with 1st Franklin financial back in XXXX for a secured loan. I had fell behind on payments due to me losing my job. I put my car as an collateral and they took it and havent heard from them since until now saying I owe them XXXX and that they are taking legal action against me and are sending the cops to my home and my mothers home trying to sue me. And on my credit report it says the account was opened I XXXX of XXXX which is not true I have proof it was in 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 2020-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from 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 2020-01-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing this account for a long time now and all I wanted is to have this account removed from my credit report. XXXX XXXX XXXX ACCT # XXXX****I have tried to fix this problem multiple times and told them to validate this account and they have failed to do so. The credit bureaus would respond saying that the creditors have verified that the account is accurate which is not, and, they will say my file has been updated .The credit bureaus have failed to show me signed documents showing that the account belongs to me. I am so sick and tired of credit bureaus releasing inaccurate information about me without proof that the accounts belong to me. Please help do something about them.

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 2020-08-05
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: Public record information inaccurate

Complaint:
On XXXX I attempted to open a savings account at XXXX XXXX XXXX XXXX California in XXXX XXXX and was denied due to a Fraud Ring Activity Alert on file with the 3 credit bureaus XXXX, Equifax and XXXX. This fraud alert was placed on my profile by XXXX XXXX XXXX on XX/XX/XXXX and I was reported to XXXX XXXX   who sent me a letter on XX/XX/XXXX notifying me that they have removed this information from my file as a result of my Bankruptcy discharge. I have attached supporting documentation with this dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
this is XX/XX/2020. It has been for sale since XX/XX/2020. Our house is on the Market for a short sale. It's listed at XXXX only with an equity loan. I have an agent and the lawyer involved in a short sale. 
They are great. They found a buyer that will pay XXXX plus XXXX for costs. 
This is the only buyer that we've had and they are very patient. They want the house. We have no one living there. We lost our tenanst and we don't have the money to fix it up to rent out again. We thought we were doing the right thing by going with a short sale but now we are behind XXXX in payments and it's making me worried. 

The bank denied the amount they want to give. We offered to help. They do not want it. 

It looks like a possible foreclosure. We didn't want to go that route. 

Any help will be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I am trying to dispute information on my credit report with TransUnion but they are not asking for my documentation. TransUnion investigation results are listed this is a joint account verified, NO change. This company is collecting for XXXX at XXXX XXXX apartments, whose management company is XXXX XXXX XXXX, who have done nothing but lose payments and over charge residence at this property.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX HWARFIELD XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious HWARFIELD XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL 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 2016-10-26
Company: ALLY FINANCIAL INC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
My wife and I are separating and we want to remove my name off her vehicle lease with Ally Financial ; however, Ally wants to impose a {$590.00} fee to do so, albeit this fee or disclosure is not in writing anywhere in the contract. I mentioned this to customer support at Ally and they stated, " yes, it is not in the contract you signed. '' Since this is not in the contract that both parties agreed to, this is clearly a non-enforceable policy. I find this a breach of their own contract and an illegal attempt to collect money. My ex-wife can qualify on her own and does not need me as a guarantor. The lessee will remain the same with the removal of my name. No one is being added to the lease. I do not see how they can impose this fee.

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 2016-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed a debt with XXXX XXXX on my credit. The date of original debt is listed as XX/XX/XXXX, however the date of the original debt goes back to XX/XX/XXXX. I have filed multiple disputes with Transunion and they verify that the social security number is mine but not the date. The original creditor XXXX XXXX no longer has my file as it is more than 7 years old. XXXX XXXX will not respond to requests to give dates of original file or remove the file even though it has been reaged and is against FCRA rules.

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 2020-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Capital One Credit Card. 
I paid off the entire balance on the card in the last billing cycle. They still charged my account interest on the XXXX ( XXXX balance ). I have called the company and talked and waited on the phone for about 55 minutes without any solution. The company neither took interest charges nor took the late fee off. The interest charged was {$24.00} and the late fee charged next month was {$24.00}. 
They are not suppose to charge interest if the amount is paid in full and no balance is carried after the due date.

Company response to consumer: Closed with monetary relief