BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
In XX/XX/XXXX, I called and spoked with a BOA representative, by the name of XXXX and requested she conduct 3 bank transfers from Bank of America : 1. {$2000.00} wired to my checking acct with XXXX 2. {$1500.00} transferred to XXXX credit card and XXXX. {$1700.00} transferred to XXXX credit card XXXX. The funds were released on XX/XX/XXXX, however XXXX credit card did not receive the transfer. For reasons unbeknown to me, XXXX issued a convenience check to XXXX Credit Card rather than a wire transfer like the others. According to BOA, the transfer was endorsed and deposited to XXXX XXXX on XX/XX/XXXX. I have since confirmed with XXXX that they did not receive the funds nor endorse the check and speculate that the check may have been intercepted. Please see copy of endorsed check. BOA and CFPB continue to report that XXXX received the funds and that the matter is closed. This information is incorrect. Please see enclosed XXXX Credit Card statements from XXXX and XX/XX/XXXX. 

I have yet to reach a resolution on this matter. Please see enclosed chain of effects.

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 2018-12-06
Company: Blackhawk Network Holdings Inc.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I tried to use the gift card for an online purchase but it was declined. I contacted the gift card issuer and they said that I needed to register the card online to use it for an online purchase which is not stated in their card member agreement as they stated. They then told me that it would be 10 days before the funds will be returned to the card and claim that was also on the card member agreement which it was not. The money is still not returned to the card after 10 days. 
Blackhawk Network XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: Adler Wallach & Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a continuation of Case Number XXXX. <P/>I have tried numerous times to get XXXX XXXX XXXX XXXX XXXX and their collection agencies to communicate to each other that the debt they are trying to collect has been credited by XXXX on three separate occasions. I most recently simultaneously received the third credit invoice direct from XXXX and a new collection agency ( AWA Collections, XXXX XXXX XXXX, XXXX, CA XXXX ) XXXX ) is contacting me to collect on the {$0.00} balance I owe? AWA is a more aggressive collector as they are going to report to the credit agencies. The first collector from the " XXXX Collection Department '' had threatened and apparently did turn this over to them. <P/>I had uploaded several documents in Case Number XXXX. I have attached here the third credit invoice from XXXX and the latest collection letter from AWA. <P/>I am not sure how to proceed given I can not get the various parties involved to communicate directly. <P/>Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: Orion Capital Solutions LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I contacted them XX/XX/XXXX and XX/XX/XXXX to stop contacting me, family, and friends. They just left a voicemail on my moms phone

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2021-11-18
Company: AMERICAN EXPRESS COMPANY
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:
On XXXX XX/XX/2020, I made a transaction of XXXX on my Amercian Express Card. 
Due to Covid, the airline changed flight at short notice which was not acceptable as the destination city was in lockdown. 

On the XXXX XX/XX/2020, XXXX XXXX ( The Merchant ) agreed to refund me the total amount of XXXX and this was confirmed in the Final Determination set out by the Aviation Dispute Resolution on the XXXX XX/XX/2020. 

I have still not received any refund despite my filing a dispute with American Express and filing a XXXX Claim. 

I have provided sufficient documentation but still Amercian Express have failed to give me a due refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Experian Information Solutions Inc.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX / {$0.00} / XX/XX/2020

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 2017-06-11
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
O N   XXXX  2017 AT   XXXX   XXXX   MY DEBIT CARD # WAS USED TO PURCHASE {$2000.00} AT   XXXX   XXXX   XXXX   IN  XXXX , TEX AS.     O N  XXXX 2017 WE CALLED  XXXX  POLICE DEPT., CASE #  XXXX .       ON  XXXX /2017 WE CALL MY BANK BBVA TO INFORM THE PROBLEM, BBVA CASE #  XXXX . THE BANK INVESTIGATED AND CLOSED THE CASE WITHOUT MY REFUND. THE BANK TOLD US TO CALL  XXXX  OURSELVES AND WE DID WITHOUT ANY RESULT. THE BANK ALSO TOLD US TO FILE AT SMALL COURT, BETTER BUSINESS BUREAU BY OURSELVES. WE FEEL THE BANK SHOULD REFUND TO US WITHIN 10 DAYS BY FEDERAL LAW. TODAY WE STILL HAVE NOT RECEIVED THE REFUND. THE BANK CUSTOMER CARE TELEPHONE # IS  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Quality Asset Recovery LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Have had numerous phone calls to my house when pick up no one there at all would like someone to send me information if I owe a debt from this company and stop phone calls to my home! Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: EQUIFAX, INC.
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:
XXXX   XXXX  was put on my credit report with  XXXX  and Equifa x ( d o n't know about   XXXX    because I cant get report from th em ) . I disputed this in writing and on line on  XXXX   XXXX ,   XXXX  .   XXXX    took it off my report but its still on Equifax report. It has been well over 30 days and I have n't heard anything. I asked them to send me proof that I owe this debt ( which they claim is {$830.00} ) I have never had  XXXX   XXXX , I have had  XXXX  for the p ast 10+ y ears and explained this to them and even called  XXXX  to get all my invoices, which they did send. I wrote to Equifax again today,  XXXX   XXXX ,   XXXX   and told them it has been well over 30 days with no response and this needs to come off my credit report.  XXXX  took it off theirs. I do n't understand what the problem is. Id  XXXX   XXXX  cant verify this ( which they cant ), it needs to come off my report and I really should n't have to wait another 30 days for it to happen since its already been almost 60 days. I do n't know if its on my   XXXX   report, but if it is, it needs to come off that too. I appreciate all that you can do to help this matter, its a little ridiculous when they cant even acknowledge something back, if they do n't have proof from  XXXX   XXXX , it needs to come off my credit reports, all of them.   XXXX   did n't have proof from  XXXX   XXXX  either, that 's why they took it off. I keep disputed it and nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Lending Club Corp
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
When making extra payments or early payments they're not crediting them effective the date they're received but rather holding them until the due date allowing extra interest to accrue. When I questioned them about this I was simply told this is their policy. When I explained this was against federal regulation and that the payment must be posted effective the date it's received they told me someone else would call me back who never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In  XXXX   2017  I switched my billing to eBills through my bank,  XXXX   XXXX . When the bank processed my eBill, the minimum payment due reflected as my entire balanc e ( so m e $ 4,000+ ). The bank did not process my payment due to the erroneous amount. I contacted Best Buy Credit Cards ( Citi Bank ) and explained my issue. I was told that any late fees would be reversed and that my   minimum payment due was that which reflected on my paper statement, about {$44.00}. I made that payment. The next month I received another bill with the late payment still assessed. I made my minimum payment due on time because the late payment should not have posted per the agent 's discussion. The same thing happened in  XXXX  except  XXXX  late payments were now assessed. When I called the contact center I was told that, despite the agent in  XXXX  accepting the payment as a bank error and thus reversing the charge, that I was still responsible for paying the late payment even though I was told it would be reversed. I remitted my minimum payment due per my original cardholder agreement and instructions from the agent.  <P/> Since then I have received no fewer th an 2-3 calls per day from a collection arm called Citi Client First. I finally spoke with them and expla ined my issue. I have been remitting my minimum payments due less their erroneous fees. The escalation agent,  XXXX , told me that he would not be able to reverse any late fees despite the fact that this snowball effect has occurred outside of my control. I remitted a payment of {$110.00}  ( roughly 3x my normal minimum payment due amount ) in order to stop the harassing phone calls and voicemails. Because o f these fees charged, the extra monies paid will not go to reduce my principle. Instead, they will go to pay fees that never should have been assessed per the conversation made in  XXXX   2017 .

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 2020-02-28
Company: EQUIFAX, 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:
THE ACCOUNT BEING DISPUTED HAS NO RELATION TO ME. THIS ACCOUNT HAS BEEN CAUSING HARM TP MY CREDIT AND REPORTING INACCURATE TRANSACTIONS. PLEASE HAVE THIS ACCOUNT REMOVE AND CLEARED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Rocket Mortgage, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was called by quicken loans/rocket mortgage to reduce my interest rate. Before giving consent to a person named XXXX, she pulled my credit report without my consent. I told her I was working on credit repair and did not want to have my report pulled since quicken has not been able to help me in the past with refinancing due to student loans. She advised me that she could help, i again repeated not to pull my credit when she revealed she had already done so withoutmy permission. I have asked quicken file a dispute on my behalf that it was illegally pulled without my permission as verified by a recorded line and they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: FIRST NATIONAL BANK OF OMAHA
State: VA
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 applied for two credit cards with XXXX XXXX XXXX XXXX XXXX on or about XXXX XXXX, 2017. The XXXX they say were declined because of too many inquiries. The XXXX XXXX was denied they say because I answered security questions incorrect. There seems to be a major problem with this bank. First of all both applications should of been declined if one application has too many inquiries. Secondly, I had an fraud alert on my credit report that I am trying to have removed. I am being told declined because I did n't answer security questions correct. Lets discuss this issue. One of my security questions was asking me about a phone number I had n't used in over 30 years. I am now XXXX years old so do you think I am going to remember an phone number from over 30 years ago. Why could n't they have sent an security text code to my phone like XXXX and XXXX XXXX. In some instances I was able to fax information such as social security card and current utilitiy bill proving it was me that applied for the credit card. I feel XXXX XXXX did n't want me to carry their credit card and just made up stupid reasons why credit was n't extended. This is why I am not doing any more business with XXXX website. Furthermore it seems too frivilous to come up with different reasons why I was denied a credit card. If too many inquiries then both applications should of been denied based on that reasoning. If both products pulled XXXX  credit reports which the bank pulled then why was n't an security questions asked for XXXX XXXX card. After all, The fraud alert should have effected both applications! If the bank going to declined an application for unable to verify identity then it should effect both applications instead of one. XXXX XXXX just did n't want to issue me an credit card it seems. I feel I am being discriminated against because I am XXXX year old man!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
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  and Experian are reporting a XXXX  XXXX XXXX   account ( XXXX ) and a XXXX XXXX XXXX  account ( XXXX ) on my report as a negative item with no Data reporting at all on the account. I have asked these bureaus investigate and thereby to report accurately as required by the FCRA or delete the inaccurate information and they have returned letters to me saying that they have updated the account status and that the data furnisher has reported this information as accurate and as belonging to me. 
Well how can XXXX, XXXX  and Experian honestly tell me this information with no data reporting for any period and reporting to an address that does not belong to me - be accurate and how can this information be reporting verified as belonging to me? what method have they done to do this inaccurate verification? I would like to know what basis they verified this information as accurate. The answer is that they have not done their due diligence in investigating these inaccurate items as they are required to do so per FCRA. I must now require immediate deletion of this data which is severely affecting my credit profile and score.

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 2017-06-11
Company: Experian Information Solutions Inc.
State: MN
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 submitted several times to  XXXX  and Experian over incorrect dates used on credit report collection accounts  XXXX  accounts reported and  XXXX  wrong dates these are from healthcare related issues with daughter in  XXXX . Extremely upset as only accounts in collection and due to healthcare and I had credit insurance to make payments in absence of income and inability to keep income. They have brought my score down by reporting them from  XXXX ,  XXXX  and they are all  over 4 years old.

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 2017-06-11
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
THE IDENTITY OF THE TRUE SECURED LENDER/CREDITOR Sub-Servicer Bayview Loan Servicing stated in writing that XXXX XXXX XXXX is the Master Servicer. The way Sub-servicer Bayview Loan Servicing and Master Servicer XXXX XXXX XXXX fail to state the identity of a true secured lender is Bayview will state XXXX XXXX XXXX is the Master Servicer and XXXX will answer you. The Master Servicer XXXX XXXX XXXX will say the loan was transferred to sub-servicer Bayview Loan Servicing LLC and Bayview will answer BOTH XXXX XXXX XXXX AND BAYVIEW LOAN SERVICING WILL NOT IDENTIFY THE TRUE SECURED LENDER/CREDITOR BECAUSE - Both Master Servicer XXXX XXXX XXXX and Sub Servicer Bayview Loan Servicing LLC have developed a scheme " THE BLAME GAME '' that doesnt provide us with the identity of a true secured lender. When Sub-servicer Bayview states that the owner of the loan was provided to us in a previous response - this is absolutely not true Bayview has never provided the identity of a true secured lender/creditor. Bayview Loan Servicing has never provided us with the Owner of the mortgage loan. Moreover, Bayview Loan Servicing continues to discriminate against us due to our XXXX and Bayview Loan Servicing continues to act, or practice misleads and has already mislead us the consumer. Due to fraudulent extensive criminal activity and fraud in this arena, and due to the fraudulent fake documents you provided to us to trick us into thinking they were authentic through the Consumer Financial Protection Bureau we require proof of the chain of secured ownership from the original alleged lender/creditor to the alleged current lender/creditor. Bayview Loan Servicing LLC committed Deceptive Acts or Practices in response to multiple Qualified Written Request for the for the following reasons On multiple occasions we have requested through Qualified Written Request the identity of a true secured lender/creditor. Bayview Loan Servicing LLC has failed/refuses to give us the identity of a true secured lender/creditor and continues to operate deceptively by discriminating against us due to our XXXX. Specifically, we are disputing the following : a ). The identity of a true secured lender/creditor b ). The existence of debt c ). Your authority and capacity to collect on behalf of the alleged creditor/lender. Sub-Servicer Bayview Loan Servicing has committed the following acts against us : A representation, omission, actor practice is deceptive when : ( 1 ) The representation, omission, act, or practice misleads or is likely to mislead the consumer ; ( 2 ) The consumers interpretation of the representation, omission, act, or practice is reasonable under the circumstances ; and ( 3 ) The misleading representation, omission, act, or practice is material.

Company response to consumer: Closed with explanation