BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-26
Company: Deutsche Bank
State: FL
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
We sold a property in XXXX and transferred the money to our account here in USA. The XXXX Bank sent out the money on XXXX XXXX, 2016 via Deutsche Bank, XXXX. XXXX XXXX XXXX got the money transfer on XXXX XXXX, 2016. The money could not be traced from Deutsche Bank XXXX to Deutsche Bank New York for more than 4 weeks. During this time we lost more than XXXX in the exchange rate XXXX/Dollar. Deutsche Bank is blocking any information on where the money was for this 4 weeks. The only proof we have is the outgoing wire copy from the XXXX Bank and the arrival at XXXX XXXX XXXX. We complaint in XXXX, but Deutsche Bank said we have to go back to the XXXX Bank. But from there we have the clear proof with all correct banking details for the money transfer.And the XXXX " XXXX Deutscher Banken in XXXX '' seems to protect the Deutsche Bank also, as they do no open a case since XXXX when we sent them all documents and proofs.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Please refer to original complaint # XXXXXXXXBrief summary, I made final payment on HELOC on XX/XX/XXXX in the amount of {$45.00}. On XX/XX/XXXX more than 7 years later, I get a notice of a lien hold on my house in the amount of {$36.00}. So I submitted a complaint to you. 
On XX/XX/XXXX, I get a call from XXXX XXXX at XXXX xt XXXX confirming that there was never any communication made to me about outstanding fees. She stated the only communication they sent me was dated XXXX that the account was at a XXXX balance and instructions on how to pull more money out. She advised that the {$36.00} were fees when I closed my account, that the {$45.00} was interest and the reason that I was not told about the {$36.00} fee could be from the Wamu merger. She assured me that the lien would be lifted and she would send me a letter stating so. 
I got her letter dated XX/XX/XXXX advising that this communication is an attempt to collect a dept. Which is in direct conflict to what she told me on the phone the day before. 
I tried to log on to my account several times to file a dispute, however, can not log in. I called your tech support on XXXX, was able to get in and now today XXXX am locked out again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07
Company: Credit Bureau Services Association
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX 2010, I gave XXXX XXXX a 30 day notice to vacte the property. I was cleared from the property with no fees for damages or repairs. I had lived there for 3yrs, it was considered normal wear a tear. According to Texas law you have 30 days to charge a tentant for damages. After I moved out the owner changed property managers to XXXX XXXX XXXX. At some point and time the owner and XXXX XXXX did another inspection in XXXX. And is trying to charge me for the repairs they made. It was way passed the 30 days to charge. The collection was done by XXXX XXXX not XXXX XXXX, the property manager that cleared me from the residence. So how can 2 months go by and they decide to charge me. I beleive the residence was vacant until that time. The repairs are petty in my opion. I do n't understand how can there be so much damage. I was XXXX for XXXX months out of the 3yrs I was renting the residence and I lived alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
On Tuesday, XXXX XXXX I used Bank of America 's mobile app to make XXXX payment to my Bank of America credit card from my checking account of the same bank. Today, XXXX XXXX, I checked my account and was surprised to see that not only had my payment cleared completely, but XXXX duplicate payments of the same amount were then pending. I called my bank 's card services and they advised me that I would have to wait until the transactions had cleared before calling them back to fix it. So, in essence, they 're saying that they can drain my bank account without my knowledge and then only if I catch it and the damage is already done can they do anything to fix it. This sounds very dangerous for consumers, and I can only hope that they actually fix it once the unauthorized transactions have done their damage.

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 2015-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have reached out to BOA, because the information they are reporting on my credit file is not correct. I reached out to BOA on several occasions to get the correct information on my credit file, but they keep reporting incorrect information. I have emailed the company, certified mail, and challenged per my credit file, but BOA has not updated my credit information with the correct info. 
I have already spoken with your office about this account several time per the FCRA it is well over the XXXX days response time to respond to my request. It actually been over a year I have been trying to get bank of america 's derogatory information off of my credit file. BOA is in violation of multiple FCRA violations by knowing continuing to report erroneous and false information that I have asked numerous time to be validated which it was not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A retirement and cash balance dispersed to me from Wells Fargo and I deposit to my Wells Fargo account at ATM and right away ATM available can used XXXX but then at branch processing they see a large check amount and employee right away placed a hold entirely of total amount for one week and did not follow the hold regulations for straight 7 days, I then right away call to phone bank for customer service and I explained to them no one can not help, then called branch manager at ATM where I make deposit, her name is XXXX and I explain to her, she responded to me that nothing she can do, come to she her on XX/XX/XXXX, she has to time for me, she and all employees from XXXX and XXXX XXXX branch is very bad customer service. No one in charge for XXXX branch, and I ask for district manager to respond that they not allow to provide names or contact information. Now my account being overdrawn and overdraft from my personal line of credit and credit card, I am so ungrateful the way they treated me and other customer. That why I am complaining hopefully they can do something about my account and clear my credit, and change the way Wells Fargo training .Now I need them to straight out and fix the problem for me pay me back all the fees plus my time is value and my compensation will provide.

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 2018-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened core checking account on XX/XX/XXXX with an offer for {$300.00} new account bonus. The requirements to receive this bonus was to have direct deposits totaling {$4000.00} within 90 days of account opening. This requirement was met on XX/XX/XXXX, with direct deposits from my employer. The terms for the bank was to credit the bonus within 60 days of meeting the requirements. It is approaching 120 days and this bonus has not been credited.

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 2017-09-14
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is reporting a negative account on my credit report, and we do n't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. 

I tried resolving the issue with XXXX on XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I have sent 4 letters over the last year disputing inaccurate bankruptcy information on my credit reports with Transunion and XXXX  with the most recent letters dated XX/XX/2020. I received the results from Transunion dated XX/XX/2020 stating the information was verified as accurate. I received the results from XXXX dated XX/XX/2020 stating the information was certified to XXXX  as accurate. See the attachments for copies of the disputes to both Transunion and XXXX. 

The disputes with both Transunion and XXXX  have not been resolved as the information has not been verified. I have not received any documentation of said verification received by Transunion or 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 2021-02-18
Company: DISCOVER BANK
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a credit card with Discover Financial Services. There was an incorrect charge on my Discover card and since I do not use the card I rarely go in there to check. The charge led to multiple late payment fees and I finally got a notice in the mail. I checked the notice and immediately contacted Discover. It took a few months for them to settle the dispute and acknowledge that was a fraudulent charge. Discover did go ahead and reimburse the fees, brought the account status back to normal however they did not go back and fix my credit. Due to this incident, my credit was impacted and brought my FICO score down and after repeated calls, they have not fixed this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card
Issue: Delinquent account

Complaint:
I had a credit card with Bank of America. After my divorce, I did my best to keep up with payments on the account. I asked several times for any programs as I was struggling as a single parent and working less than full time. I was told there was no help. I made my last payment XX/XX/2013. I received judgment paperwork a few months ago and called the firm handling the collection. They proposed a payment that was completely unrealistic. I contacted them a second time and they told me to pay the whole thing and there were no other options. I am now being served paperwork at work for a garnishment. I have tried many times to come up with a compromise and I feel I am not receiving the options that should be available to me. I am working only XXXX hours at my job and I feel sending this paperwork to my employer only puts me in jeopardy of losing my job. I am hoping for a better resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hey on XX/XX/2021 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 30 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30-45 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 30 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX Select a Reason XXXX XXXX XXXX XXXX, TN XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX Select a Reason XXXX XXXX XXXX XXXX, TN XXXX SINGLE FAMILY

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 2015-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Other

Complaint:
On XXXX XXXX @ XXXX, I made a {$460.00} cash payment at a local Bank of America drive-thru. Approximately 2 weeks later I got an overdue statement in the mail. I went into the bank, with receipt in tow. I was assured they 'd take care of it. After no results, I went into another location on XXXX XXXX, and was told that if I were to return to the original location, they should be able to correct the mistake on the same day. So, I did. I arrived @ XXXX and spoke to the Assistant Manager, XXXX XXXX XXXX who remembered I had been there and she said that she could not do anything. She had a personal banker call into customer service with all information, letting them know that she confirmed that it was due to a teller error and no fault to me. She told me that it would be cleared and all fees and negative reporting would be removed. Furthermore, XXXX, claimed that she would follow this herself to ensure that it is restored. Today is XXXX XXXX. I have been unable to use my card since before XXXX XXXX, and now, I have received a letter stating that proof of my claim is required. I am now left wondering if my payment was in fact stolen, as I am being treated with contempt. I have had this card with a very large credit limit, in good standing since 1997. I am afraid to make further payments and hope that someone will help me to straighten this matter up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-20
Company: VW Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
This is my XXXX lease with Audi. I have always turned in my leases early with no issues. I initially went to trade in my car and get into another lease in XX/XX/XXXX. My credit had taken a hit but I had excellent payment history on 5 other cars with Audi. They turned me down and told me to try again in a few months, which made no sense to me. In XXXX I tried again and they were able to get the lease offer to go through. I asked the salesperson about my remaining balance and the circumstances and she told me not to worry. Even when I was with the girl in finance, I asked her if my other car was paid and she also told me not to worry. There were two payments that were put at the end of my loan due to 1. ) paying out of pocket for XXXX treatment in XXXX and not being reimbursed and 2. ) a serious financial hit that I took from an accident in XXXX. Audi told me to let the dealer know about the circumstances and I did that. All was well until XX/XX/XXXX when I received a balance due from my other car. I immediately reached out to my salesperson and she basically gaslighted me. At one point she accidently sent me an email where she was speaking negatively about me which was inappropriate and upsetting. I spoke with XXXX XXXX and Audi Financial. Audi Financial would not work with me and I told them that I was duped by the dealer. I was in a bad medical situation due to XXXX and they lied to me. My car should have been paid off and I wouldn't have gotten into another car if not. They should have been up front and put that amount in my new loan or whatever they have done in the past. This is totally unacceptable. I've had issues with their service being unethical as well. They tried charging me several times in the past for items under warranty. In that situation, XXXX XXXX was able to assist and I never returned to them for service. Audi Financial refused to help. XXXX XXXX tried to assist and spoke with the GM of the dealership and he admitted to them that he has had issues with his team. When I tried to work with him to resolve this situation, it became harmful to my wellbeing. He was combative and rude. With my health issues, I'm not able to deal with this type of behavior. Last week, I received a collection notice regarding this disputed balance. I have exhausted all options to resolve. This is illegal and unethical. Taking advantage of a XXXX patient is so disturbing. Then on my current vehicle that payment was due on XX/XX/XXXX, Audi Financial is preventing me from making a payment. At first I thought it was a site error, but when I tried again today, there was NO way for me to pay my car payment online. There are no payment options available in my online account! I've been making on time payments since I started this lease!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-11
Company: Experian Information Solutions Inc.
State: AR
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:
My husband and I have been a victim of identity theft. We have never opened a joint account or done a rental agreement together. We have been trying to remove this from our report since we first found out 4 years ago. These accounts on my report and inquiries are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX {$76.00}

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 2016-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Back in XXXX we requested help with a modification on our mortgage with Bank of America which is at XXXX %, they said they could n't help as we were " NOT '' behind on payments. We then missed a payment as my company was sold and I was out of work for a short amount of time. After months of us sending in all the requested paperwork and them " misplacing '' or " not '' receiving what they said they needed they finally gave us an offer for a modification, at a payment " HIGHER '' than what we were paying at that point. We declined immediately in XXXX, XXXX and have been in a fight with them since then as they have forced us into an escrow account which we never had before on the mortgage. They went and paid our 3rd qtr taxes and home insurance in XXXX of XXXX and kept posting our payments as " unassigned '' because we were n't paying the escrow amount since we also had paid the insurance and taxes ( neither which have ever been late in the entire time we have had the mortgage ). Finally in XXXX they said they would remove the escrow account if we paid them back what they had paid towards the taxes and home insurance which we did, but they know are claiming that they will not remove the escrow account until we have 12 months of ontime payments which INCLUDE and escrow amount of $ XXXX per month!! They have lied, mistated and fraudulently handled our account for the last year and a half. Also everytime we call they say the call is being recorded, when we asked for copies of such they say we can not have them. When my wife said she was going to record the call with them they immediately said the call was going to be terminated as they do not allow themselves to be recorded.

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 2022-03-20
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/ 2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation