BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Beginning XX/XX/2020, I became negative on my account. Recurring charges continued to post, causing a total of 9 NSF/OD fees. I contacted my bank in XXXX when it all began and I was told they could not waive any fees as a courtesy. Since we are in a pandemic, my business has taken a hit and financially I have been struggling. I attempted to resolve this again via phone on XX/XX/XXXX, and was on the phone for several hours. The first person I spoke with was able to refund me 2 fees, totaling {$70.00}. This was after being told back in XXXX, no fees would be or could be waived. I decided to call again because if this one individual was able to refund me 2 fees, I wanted to see if more could be waived since I was being given contradicting information. I spoke with customer service again and I asked to speak with a manager, and they said no and instead transferred me to collections. Collections simply said I had less than 40 days before my account could potentially charge off and be closed. They told me I was not supposed to have been transferred to collections because my account is not in collections and is open and active. They told me to call regular customer service, which I went ahead and did again. I called again and spoke with a rep who I asked to speak with her supervisor, XXXX ( XXXX ) and he was unprofessional. He kept cutting me off and repeating information as though he was not listening to what I was asking for. He kept insisting I speak with Collections even though I told him I had and they had said I did not need to speak with them because of my account status still being open. I then asked to speak with his supervisor, so I was transferred to XXXX ( XXXX ). This woman 's customer service was even worse, as she was condescending and simply told me she would not waive any fees. I have been a customer for many years and my account has never had any fees in the past. I am simply asking that the bank, in light of everything that is happening, waive the remaining 7 fees. I am going to be making additional deposits so the account will be in good standing once again. I am just simply disappointed that after banking with BOFA so many years and never asking for any refunds since I have not had any fees in the past, see they are so unwilling to work with me. I have plenty of family and friends who also bank with BOFA because I recommended them to open an account. I will definitely be letting them know of my experience as I can't believe how insensitive this institution has been with me, despite me explaining to several people my situation. I just want these additional 7 fees waived.

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 2016-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I noticed on my latest credit report a collection account from this company but as of XXXX XXXX I have n't received any communication or verification of this debt

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 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2022 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022 These inquiries are reported with the name XXXX XXXX which is not me nor did I authorize anything. My name is spelled XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
DEPT OF ED / XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so DEPT OF EDXXXX has violated this law because this late payment is reporting on TransUnion.

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so DEPT OF EDXXXX has violated this law because this late payment reporting on TransUnion is a violation of my right to privacy because I didnt give them permission to report it publicly.

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so DEPT OF EDXXXX has violated this law because they furnished this EXPERIENCE to TransUnion and I didnt give them permission to do so.

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 2015-11-28
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Our lender is requesting an updated barclays statement with account number and balance ( not an uncommon request ). I called on XXXX and was told that their systems are down and it would take up to XXXX hours to complete. XXXX hours later the request was not completed. I called again on XXXX and they said they would email it by XXXX. They did n't. I called at XXXX on the very same day and they said it would happen by XXXX. It did n't. I called again at XXXX and they told me that the person I spoke to on Tuesday did n't create a case number. This is unacceptable as our financial future hangs in the balance. How is is that every other major credit card company was able to comply with a very common request within minutes, but barclay 's was unable to. This does n't seem fair or right that I will incur financial loss from their incompetency. Also, how is it possible that a financial institution has no backup plan for when systems are down. They keep saying their fax is down. In 2015, really?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Nelnet, 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: Their investigation did not fix an error on your report

Complaint:
This company has been calling my phone non-stop over the last several weeks, presumably about a debt to collect. They refuse to tell me specifically what the calls are about other than a personal business matter. I have made it VERY clear to them that we have no business if they cant provide further details. I want the harassment to stop. Calls always come while I am at work, wasting my time, and my customers time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
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 contacted Equifax on three separate occasions about 2 weeks apart, I sent in the required documents to verify my identification and yet they still refuse to : 1. Release my credit score and profile on their site www.myequifax.com 2. Failed on 3 documented request to remove the suffix at the end of my name, I am not a XXXX and I have send supporting documents and they simply don't care to follow the laws of accurate credit reporting. 
3.Latest request on XX/XX/2022 confirmation number XXXX, shows the receipt of my documents that shows no XXXX on my name and their response was that they still have creditor with there company that has me with accounts in that name and refuses to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
On XX/XX/XXXX, I ordered a bracelet from XXXX for a total of {$79.00}. On or around XX/XX/XXXX, I returned the jewelry to Reeds because my wife did not like the bracelet. I was issued a credit on XX/XX/XXXX for the total amount of {$79.00}. When I looked at my statement I realized I had XXXX charges for {$79.00} on XX/XX/XXXX. I contacted XXXX first and they stated they had it only once in their system. I contacted XXXX and they had me submit a dispute for the double bill. I am going on 2 months and my XXXX dispute because whoever is handling the dispute sees the credit from the jewelry being returned and assumes it 's a credit for the correction of the double billing. I contacted them today again and the supervisor XXXX was very rude and wanted me to call back with the jewelry store on the other line to talk to them in a XXXX way call. I believe this is not my job to do.

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 2022-06-02
Company: Experian Information Solutions Inc.
State: MS
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. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 2021-01-08
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
Unrequested VISA debit card sent by US Bank Relia Card. Call load very heavy on US Bank to get card canceled. This is a case of fraud as I am not unemployed.

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 2015-11-05
Company: NVR INC.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I built a new construction home in XXXX XXXX, TN with the home builder NVR, INC., operating under their Tennessee XXXX XXXX XXXX XXXX. I was promised {$4500.00} in closing costs which was arbitrarily reduced to {$1500.00} when I did not use their affiliate mortgage company and title company. I was pressured with a week left before my closing to sign documents altering the contract reducing their contribution of closing costs by {$3000.00}. I did not plan for this and was forced to tap into my XXXX retirement savings account and pay the penalties associated. I was also forced to sign other documents a week before closing related to my use of an independent lender and title company. The pressure and steering to use the affiliated companies were extremely discouraging. I thought XXXX XXXX were to represent the TRANSACTION between buyer and seller? How can I be forced to use a title company affiliate. I did shopping for my mortgage with several lenders and I feel confident that the rates and junk fees quoted by NVR 's affiliate did NOT represent averages for the industry.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My credit card issued by Barclays was closed without notice. I received a notice saying the account was closed for 'unusual account activity ' and that my credit was not use in the decision. I would like my XXXX $ annual fee refunded, and the XXXX $ in unclaimed rewards credited to my account. The bank would not provide further explanation as to why my account was closed, and they refused to credit my account for the unused points or already paid annual fee. I find this behavior akin to a bait-and-switch. I used this credit card under the pretense of earning rewards, until the bank decides to unilaterally close the account and deem my earned rewards void.

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 2015-09-15
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i have held health insurance for over seven years. I found this account on my credit reports but have never had any correspondence from them regarding this account. My personal details where compromised in 2012. Please verify the address on this account because there has been attempts to open accounts from an address that is unknown to me in my credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-22
Company: Arcadia Holdings, LLC
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a phone message from Arcadia Recovery Bureau saying that they were looking to speak with me about owed debt. I called the number back, and they had my name, address, phone number, and date of birth. They then said that they were calling about {$3200.00} that I owed to XXXX XXXX. I finished my treatment with XXXX XXXX in XXXX of 2015 and paid in full throughout my treatment. However, to be on the safe side, I contacted the billing department at XXXX XXXX and was told that my account has a {$0.00} balance, and I owe them nothing. The woman in the billing department explained that I was n't the first person to call with the same issue. When I called Arcadia Recovery Bureau back to tell them that I have no balance with XXXX, they told me they could put a note on my account that we had this conversation, but could n't do anything further until XXXX cleared me. At this point I do n't know if they 'll continue calling. However, I do n't want to have to continue dealing with this " debt '' that I do not have.

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 2017-03-01
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Keep getting alerts that my Barclays account is 60 days past due this account was paid in XX/XX/2016 through XXXX XXXX XXXX on my behalf to XXXX XXXX XXXX XXXX on Barclays behalf. I have sent in these letters to the parties several times. The reporting amount is not was was owed. It has been changed to {$0.00} but every month I get an alert that I 'm 60 days past due.

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 2015-12-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I did have a Mervyn 's account ( XXXX? ) but when the store closed in our area in XXXX, I paid off my account and closed it. I JUST got a letter from XXXX XXXX XXXX ( XXXX XXXX ) saying that this account was " charged off as an unpaid delinquent debt on XXXX '' but XXXX wants me to pay them {$370.00}! I do not owe this money and asked the credit agencies ( XXXX etc ) to remove this from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
All XXXX Bureaus still reporting fraud accounts that I notified them that all XXXX XXXX and XXXX were not mine and that I had my Identity Stolen ( Have ID Report Already from FTC/FCC Documenting this ) The bureaus are not validating this I know there using XXXX witch is illegal stating valid accounts there not and this is harming me there allowing 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 non-monetary relief
Consumer complaint received 2017-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
We had suspicions charges on our checking account by a hotel that we stayed in using XXXX. We reported the claim to Bank of America. Bank of America 's investigation consisted of calling the thieves only. We had a call scheduled with BoA that XXXX was on with. BoA never showed up, and deducted {$900.00} from our account, ruling for the criminals. My wife had a XXXX scheduled for today that we are unable to pay ; we can not see if she has XXXX now. Our account is overdrawn, and BoA refuses to put the money back. We have XXXX XXXX and are unable to feed them. This is a life threatening situation that resulted out of BoA 's incompetence and cruelty.

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 2016-05-16
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am showing as XX/XX/XXXX and XX/XX/XXXX. If I was in a bankruptcy XX/XX/XXXX to XXXX XXXX I should have not been reported. Navient is saying XXXX reported me and XXXX is saying they did n't so who reported me. Both companies are trying to say the other reported me and neither will correct my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: Paypal Holdings, Inc
State: CA
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Unauthorized transactions/trans. issues

Complaint:
purchased egift card purchased from Paypal Digital Gifts on ebayXXXX website was XXXX out. the egift card was for {$100.00} XXXX gift card. 

Item # XXXX Purchased on XX/XX/2016

Company response to consumer: Closed with monetary relief