BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have an ebanking checking account with Bank of America. My mother went to the bank and deposited a check that was in my name into my account. It had been sent to her house. I was charged a monthly maintenance fee of {$8.00} because my mother went to the teller to do this. 

I do n't think it 's fair that I 'm charged a fee for something which my mother did? It makes no sense to me. I have no control over whether she goes to the teller or not. I only use self-service options and receive a paperless statement so there should be no fee. 

I have tried to clear this up but BofA continues to give me the run around.

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 2022-11-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2016-04-14
Company: DISCOVER BANK
State: GA
Product: Credit card
Issue: Delinquent account

Complaint:
I went XXXX XXXX military XX/XX/2013. I had an outstanding balance of over {$1000.00} on my discover card. I left my finances in control of my financial broker as I was unable to control my accounts. After I left, my discover account had a fraud alert and was locked out. My broker was unable to regain access to pay the bill off the following month. When I regained control of the account I paid the debt in full. However, I was charged with a 30 day delinquency on all my credit reports. I have contacted Discover with this information on a yearly basis and even provided my military XXXX. Although this is considered a valid charge the negative impact on my credit is damaging my job field in the military as I have a XXXX in jeopardy. 7 years is a long time to punish someone with a good history of bill paying considering I had no control over the account and was on XXXX XXXX at the time. I would like the 30 day delinquency removed from the credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX 2015 I went online to check the balance on card/account before making a withdrawal. I found that someone had accessed my account on XXXX XXXX, 2015 from an ATM making XXXX balance inquiries and XXXX subsequent withdrawals each in the amount of {$400.00} totaling {$800.00}. I called Bank of America and cancelled the card. They told me I would receive paperwork to fill out and return for a fraud claim and would receive a credit pending an investigation. I never received the documents and when I called to check the status on XXXX XXXX, 2015 Bank of America told me that the claim was denied stating that I had not proved that Fraud had occurred. Additionally, on XXXX XXXX 2015 I filed a police report and contacted Bank of America ( on that same day ) with the report number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XXXX XXXX 2015 I locked a loan with Bank of America XXXX BofA XXXX. XXXX XXXX was the loan officer. The interest rate was 3.5 % and the APR was 3.519 %. On XXXX XXXX I was informed that BofA could not honor the loan interest rate that we locked on XXXX XXXX. They stated that they could do that days rate which was now 3.75 %. I cancelled the loan with BofA and moved to XXXX bank where I closed a loan at 3.75 % interest rate in less than XXXX weeks. 
I had moved to BofA from XXXX originally because XXXX had enticed me by stating that he can beat on the rate and closing costs. XXXX had offered me a 3.5 % interest rate and XXXX had stated he would beat them at the closing cost amounts and at least match the interest rate through what he called a 'competitive match ' situation where he obtained approval through his boss. There are supporting documents that show the 3.5 % interest rate lock. Also, XXXX received documents that day. I 'm unaware of what they entailed. Please let me know if you need more.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Dear sir/madam, as I was going through my credit report on XXXX and Transunion few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX and Another company called XXXX. Any time I dispute the accounts, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX and XXXX Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. 
I am requesting that XXXX and XX/XX/XXXX or any of their affiliates should remove such negative and false statement from my credit report THIS COMPANIES ARE AFRAUDULENT COMPANIES, first they came up with the name XXXX account number XXXX on my credit report. after so many dispute I submitted against the account, I was forced to pay dept in the sum of {$45.00}. The dept I did not own, the dept that does not have my name on it. 
After that they came up with another name XXXX with same account number XXXX stating that I was owing them {$200.00}. This is fraud I do n't own this companies any money and I never had any transaction with them I do n't even know the kind of business they do. They have to pay me back the XXXX dollars they fraudulently took from me. 

Dear sir/madamI want your office to go through my credit report to verify my statement. my credit report has so many names I do n't know where they came from. I contacted XXXX AND TRANSUNION REGARDING THIS MATTER, all they said was that they can not remove those name because some companies like XXXX and XXXX reported some account to my credit report with the names. 
I want your office to investigate this matter because any time I dispute these XXXX companies that has XXXX account number Transunion and XXXX kept saying the investigation stated that the account was mine. 

THIS IS FALSE INVESTIGATIONin the year 2013 when I wanted to open online account with Transunion, the man who spoke to me from Transunion told me that someone already opened the online accountwith my social security which I have no knowledge of who that was. Then the Transunion representative later cleared it off and created a new account for me. I want your office to investigate all these because I have filed so many compliant regarding the information on my credit report and most of the company claim they investigated the case which I knew all their so called investigations was not done right.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
At XXXX XXXX  I received XXXX emails from Citi Bank, I do not have accounts with them. XXXX of the emails acknowledge the opening of a checking and savings account. 
XXXX email contained the user ID used for login. 
I tried to contact Citi Bank but can not get through as I do not have the account number or other verification information, I could not use my SSN to access it either

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 2016-11-21
Company: DISCOVER BANK
State: AZ
Product: Credit card
Issue: Other

Complaint:
I 'm filing this complaint in regards to The stop, cease, desist and withdraw notice sent to Discover Bank and their attorney XXXX XXXX XXXX, XXXX who are located in XXXX Az Referencing Superior Court Case # XXXX in and for the Country of XXXX AZ Where-which the plaintiffs council has been notified of the fact that the defendant is in a financially Un-colletable state and no funds or assets are available to/for payment or lean. Discover Banks counsel has been notified via said letter dated XXXX/XXXX/2016 sent via Fax on XXXX/XXXX/2016 From defendant XXXX XXXX to ( XXXX ) XXXX XXXX XXXX to fax # XXXX. 
The un-collectable status of the defendant proves that any monies or time spent attempting to collecting these funds will be wasted for both the plaintiff and defendant and yet the plaintiffs attorney continues to waste time and funding on per-suing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05
Company: GreenSky, LLC
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I received a home improvement loan from Home Depot. I have requested on numerous occasions an " itemized '' accounting of all the charges. There were services cancelled, credited and not done at all, but I can not verify the charges. I contacted the XXXX XXXX in XXXX, Georgia with a written request and was sent a " payment history ''. I am charged for items, assessed interest and demanded to pay what they will not verify.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
Ok, first problem is that I have {$15.00} in rewards that I am not being allowed to redeem because I did not meet the {$25.00} minimum requirement before they closed this account. Next, the 0 % interest agreement was for almost 2 years, including more on the balance transfers and I am still getting charged interest. This XX/XX/XXXX month, I was charged almost {$60.00} in interest that should not be there.

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 2022-11-03
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX, XXXX. The following occurred : XXXX transactions made on XX/XX/XXXX Posted XX/XX/XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Debit Card XXXX XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX RE : Police report XXXX Date : XX/XX/XXXX My caregiver placed this low-income XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, pushed my wheelchair into the bedroom, went into the kitchen and while I assumed she was preparing my lunch, grabbed my cell phone and began sending unauthorized XXXX  transactions to herself. 
After a while, I began calling her name. After my third cry, I realized she was no longer in the apartment. Then I crawled to my wheelchair and rolled into the kitchen where I noticed that my keys were gone. Thats when I realized that something was wrong. Then I went to my desk and saw that my XXXX XXXX phone was not where I had left it. My black bag in which I kept my IDs, bank cards, Medicaid, insurance cards, and medical papers was still there. 
When I looked inside, I saw that my SS card, IL state ID, Citi debit card, and credit cards were missing. 
It was the worst day of my life. And now Citi is telling me this never happened and is holding me accountable for the missing funds. Citi has applied provisional credit for the ATM withdrawals, ( XXXX, but I received a letter stating this will be withdrawn. Citi has not applied the {$1700.00} provisional credit for the XXXX thefts as I was told they would, and now I can not pay my rent and may soon be evicted.

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 2022-08-04
Company: Albert Corporation
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened my checking and savings account through the {$500.00} referral code but Albert Cash does not honor my reward.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to work with BOA in qualifying for a program to lower my payments-specifically my interest rate with no assistance. I began the process speaking with a HUD counselor who assured me I met the HAMP guidelines due to the extensive questionnaire and financial information she collected. After many months I was told I qualified for a trail modification which RAISED my payment with no other changes to the loan. After appealing my decision I was told again I did not qualify for any program and this letter dated XXXX stated I was not interested in refinance options at this time. What exactly do you call trying to lower your payment and interest rate?!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have an open dispute with experian. Please see document stating EXPERIAN PROOF. They are sending me notification that under the FCRA I can have the fraudulent accounts for XXXX blocked yet, the website will not accept the document upload. 

I have requested multiple request for a supervisor call back [ XXXX XXXX XXXX ] and to date, have not received a call from anyone. 

I am already fighting fraud. I do not want to mail my entire credit profile with identifying information. 
Please Help

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 2017-01-13
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Cash advance fee

Complaint:
I was charged multiple cash advance fees given a peculiar situation in while traveling in XXXX I had to withdraw money from ATM using the Discover card but the XXXX government banned all ATM and only allowed for a person to take out only XXXX which equals roughly around {$30.00} dollars. Given the circumstances I made multiple ATM withdrawals on the same day to have the ability to survive. Discover charged me {$5.00} per every {$30.00} I was only allow to withdraw and refuse to waive the multiple fees since it was an unavoidable issue. Total of {$75.00} in fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: DISCOVER BANK
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I had a sixty day late notice from Discover student loans on my credit history. I have tried to understand how this happened and have come to believe I have been the victim of entrapment by them. I only want the late notice removed from my account. 
I have already complained and their response was dismissive and had questionable statements. 
I will attach a document detailing this complaint and my interactions with Discover student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: DISCOVER BANK
State: VA
Product: Credit card
Issue: Other

Complaint:
On XXXX XXXX, I mistakenly made my mortgage payment to Discover card in the amount of {$2200.00}. On XXXX XXXX, I recognized the mistake, called DiscoverCard at XXXX, spoke with XXXX in Delaware Billing department, and she stated that they would send me a check for {$2200.00} after my balance of {$14.00} is paid off, and that this check could take several weeks to arrive. I asked XXXX if I will receive an email to this effect, and she said I would get one in 72 hours. On XXXX XXXX, I checked my balance online for Discover card, and it showed a credit balance of {$2200.00}. I called Discover card on XXXX XXXX, spoke to XXXX XXXX in Ohio, and she too said I will get an email in XXXX hours indicating that they were mailing me a check for {$2200.00}, and that it may take several weeks for the check to arrive, and that this was faster than an electronic transfer. I asked for a case number, and she refused and instead stated that this is referred to as " Note # XXXX ''. As of today, XXXX XXXX, 2017, I never received an email from Discover card. I then proceeded checked on line at Discovercard, and my balance was zero, with the credit of {$2200.00} having disappeared. I again called Discover card and they told me a check is in the mail as of yesterday XXXX XXXX. I asked for an email confirming all of this and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: EQUIFAX, 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:
I have recently been informed that there is negative information reported in my file you maintain under my Social Security number. Upon reviewing a copy of my credit report I see the listing below has high impact to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Collectors are calling Family Members! This is not our debt, but they are calling us in reference to a family member who does NOT live with us! They are pushy, and we need to hang up on them. I thought it was illegal to contact family member! But these calls are aggravating!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: I.C. System, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had no collections for months on my account and out of no where this collection is on my report. I have no knowledge of this account. I already had this deleted recently and now its back again damaging my credit score. I have no contact. No mail trying to collect debt. No reach out. Just reported randomly. No detail information on why I owe debt and no specific dates.

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 2015-12-07
Company: Financial Business and Consumer Solutions.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
FBCS has placed a collection item on my XXXX credit report and done so without contacting me before-hand.I Just realized about the collection after getting an an alert on my credit bureau. 

I have no idea of the debt,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation