BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
My company has an employee stock purchase plan administered in XXXX through XXXX brokerage. I sold some stocks on XXXX XX/XX/2021 XXXX ) On XX/XX/2021 brokerage sent the money, EUR XXXX to my Bank of America account XXXX ) This method has been working for the last XXXX years so nothing changed in the wire transfer process XXXX ) I did not get the money after XXXX days, XXXX sent me proof of funds transfer document that has entire SWIFT message detailing money indeed was sent to Bank of America, via their bank, XXXX Bank of America has refused to help track this down. I have called them on XXXX occasions and offered to share the trace that was sent. The person at the other end of the phone says we have not received it, and there is nothing we can do about it. I have the XXXX that XXXX sent XXXX me as proof but they refuse to evaluate that or take a look or figure it out NO MATTER WHAT. XXXX is clear that money did make it to Bank of America but Bank of America refuses to accept that proof. 

It takes XXXX minutes to an hour on hold to get to someone in Bank of America XXXX wire transfer department. To me it seems, the person on the phone does not understand how to trace wire transfers as they are stuck trying to figure out using amounts. They do want to take a look at the docs XXXX sent and troubleshoot where it is stuck in their system. 

The complex ways in which money moves in international wire transfers needs someone who can troubleshoot it and figure it out. XXXX XXXX docs shows it was sent to Bank of America XXXX in XXXX and there is a XXXX  code for Bank of America in XXXX XXXX as well. It is stuck on Bank of America in XXXX but Bank of America refuses to open a ticket and pursue this end-to-end with their international financial institution. If needed both XXXX and Bank of America need to WORK TOGETHER to resolve it.

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 2015-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Years ago I used my Bank of America card to keep my XXXX year old mother in a nursing home. The balance soon grew very large. After she passed away I began to repay BofA a larger monthly payment. I did pay monthly {$500.00} a month and XXXX or XXXX times I payed BofA {$1000.00} a month as they requested, to get the balance down. This was very difficult, so I reached an agreement with them to pay $ XXXX monthly I did this automatic payment for about two years. 
About 6 or 9 months ago I noticed the {$200.00} was not being taken from my checking acct. I called BofA and was told my acct. was written off and it was sent to collections. I told them I would have happily continued sending them {$200.00}. They did not contact me in anyway that to say the payments were schedule to stop. I asked what could I do. They said " nothing, once its gone to collections, there is nothing you can do ''. I asked for the address to begin paying again to a collection agency. Of course this places a negative credit mark for many years on my credit history. It seems so wrong the way they managed my acct. and placed my acct to collections without a tele. call, nor an email, or a letter to give me a chance to continue making payments. This lack of common courtesy to me by sending my acct to collections was wrong, and costs me a lot in higher interest rates throughout my life. I am XXXX years old and do not have a lot of years to wait 7 years for them to remove the " Sent to collections ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: NEW YORK COMMUNITY BANCORP INC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2023 Mortgage payment for XX/XX/2023 wasnt applied to my XXXX XXXX payment. Requesting flagstar bank correct Errors. Account XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois 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 2017-02-06
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient incorrectly calculated monthly payment during annual recertification. They calculated payment twice as high as it should have been. Then Navient excessively delayed recalculation past due date of monthly payment and demanded late fees as a result of their delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have never lived at XXXX XXXX XXXX XXXX, XXXX XXXX, LA. 
This address keeps appearing on my credit reports. Please advise, thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-29
Company: Receivables Outsourcing, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received repeated automated calls from XXXX, XXXX XXXX XXXX. I called this number back and tried to get more information about the " debt '' being collected. They refused to give me any information, unless I gave them information to confirm my identity. They would not even tell me what the debt was for. They claimed to have sent me information regarding the debt in the mail, but I never received this. They continue to send me robo calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Transunion is reporting false information about a satisfied judgement. I have asked them to investigate this, and they have and came back and said that the judegment was valid. Attached is a letter from The Honorable Judge XXXX " XXXX '' XXXX XXXX XXXX XXXX XXXX, who claims this was never even reported to any of the XXXX credit reporting agencies. Also attached is the information that is published on my report, and my additional attempt at disputing this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: CITIBANK, N.A.
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:
I opened a XXXX Checking account in XX/XX/2021 with {$50000.00} deposit through a link I was sent from Citibank in an email. A bonus of {$700.00} was supposed to post 90 days after bank held money for 60 days. XX/XX/2021 bonus was supposed to be deposited. I called Citibank in XXXX to see if everything was on track. I was told yes. Today I called to see why the bonus had not posted. They claim I did not sign up through the promotion and so I will not get a bonus. I complained and they gave me an Investigation ID # XXXX but no money.

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 2023-03-30
Company: HYUNDAI CAPITAL AMERICA
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Had XXXX  yr lease, with no problem on monthly payments. Returned the car ( 3yr/36000miles ) with only no more than XXXX  (? ) miles on car & told dealer there was an issue that i felt KIA had a responsibility for. this issue was about side panel damage on the car and i was told by dealer leave the car and to call kia customer service. i did so and after following all kia customer service 's directives, within 2 mos or so we resolved the problem and we both shared the cost and i agreed to a price to repair the car damage. I paid my portion & found out months later that my credit was damaged since KIA said my account was open and they presented my account as having history of " unpaid payments ''. So i then i had been branded with a " payment deliquency '' from the credit bureau from that point on ... .that was 4-5 yrs ago. I tried for months to present it to the credit bureau, they agreed the payment history was good but they kept sending me back to KIA, who would not help at all even though they also said the issue was was over the car damage and not any payment. ( At the time, I had other credit cards accounts only on my credit history for years and they were all very good history. 
After receiving a check for {$100.00}, I did call hyundai capital and they said i was eligible to call KIA to get them to remedy the issue. I was shown how KIA was mandated to do so. This was about XX/XX/2023, I called Kia and after two or three people involved in two separate attempts, finally at the last call i was put on hold repeatedly ... left there for 15+ minutes then got a pick up and an immediate hang up. ( the number i called was given to me by HYUNDAI Capital so i called Kia - XXXX ) Today i called HYUNDAI Capital back and they directed me to make this complaint here.

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 2021-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. And as a result, false and inaccurate information were posted on my credit report... 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXXT - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was charged a " debt protection fee '' which I never authorized. I took advantage of a Best Buy credit card promotion of interest-free payments for 24 months. I made my regular payments, but I was shocked to see this random fee I never authorized. I called the Best Buy Credit Card customer service number to report the issue, but they instructed me to call the phone number associated with the " debt protection fee ''. Whenever I would call this number, I am never able to get a hold of a person. Best Buy also mentioned that this fee may have been something the previous bank ( that managed the card ) included with the account. Even if this were true, why is my current card still incurring this " debt protection fee? '' I searched the internet to find any information on this fee, and I found a Best Buy forum where others have reported the same exact issue. Several Best Buy Credit card users were claiming they were being charged a scam fee labeled " debt protection fee ''. Whenever Best Buy would respond to these customers in the forum, they were told the same thing I was told -- which was to call the number associated with the " debt protection fee. '' The customers would then reply that they are never able to get a hold of a person when trying to call the number associated with the " debt protection fee ''. This is exactly the same issue I am dealing with. I have called Best Buy credit card customer service several times, but I keep getting told to call the number associated with the " debt protection fee. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
The worst customer service I have ever experienced. Bank of America put a hold on my card without notice and then mailed me a new one. When I called to figure this out, I was hung up on twice and transferred to XXXX different departments. This is sick!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Early Warning Services, LLC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/23 I received an email from XXXX regarding a fraudulent transaction to which I replied I did not make the purchase. XXXX  shut down my card and sent a new one. Minutes later I received a text from what appeared to be XXXX saying another transaction was attempted to which i replied " no '' saying I did not authorize. I immediately received a phone call from what populated as XXXX  customer service and the individual told me my information was stolen and wire transfers were set up but cancelled. He also said a Zelle payment for {$5000.00} was set up for XXXX XXXX that day. In order to cancel it, he told me I needed to resend the payment to XXXX. After hesitation he assured me he was XXXX reiterating my PIN number, account number to me, which I never gave to him. I mistakenly sent the Zelle payment to the number not knowing this was a scam. When I called XXXX about it, they did not know of the call and said they would investigate. They told me it was my fault for sending the money and Zelle said they do not refund scammed money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Issue: Delinquent account

Complaint:
Bank of America has an old debt of mine that they charged off. They will not allow me to settle this debt at this point because they wrote it off as a loss but they are continually, on a monthly basis, reporting this debt to the credit bureaus as a " late payment '' every single month. Their lack of regard for consumer credit reporting laws is stopping me from cleaning up the wreckage of my past and even more worrisome is making it impossible to get a home loan.

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 2015-10-30
Company: Firstsource Business Process Services, LLC
State: KY
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
They call several times back to back. When I answer they do not talk they hang up and call back. Have called family saying my family member is involved in a credit issue with me and called employer looking for me but they will not talk to me

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: AES/PHEAA
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I am getting continued phone calls from American Education Services ( AES ) about a student loan of our Daughter, XXXX XXXX. I am not a co-signer, guarantor, reference, etc. on XXXX 's loan, and XXXX, who does not live with us anymore, has her own phone number ; which has and has acknowledged that they have. It appears that AES is engaged in illegal collection activities, and is calling us parents to put pressure on student loan borrowers. It also seems that AES may be engaged in other questionable ways of doing business that the CFPB should investigate. 

XXXX I do n't think has ever been late on her student loan for several years, but last month missed a payment date, so she was maybe XXXX days late. XXXX says that she is now current and that she paid AES. Despite that, AES keeps calling me. AES said that they would stop, but they continue to call me. AES also claims that they can call whenever they want to call, because I am her Dad. AES also called other family members. 

It seems that AES is trying to make XXXX look bad. It seems that AEs is trying to harass XXXX by calling people that she knows, so that XXXX will not be late again. These type of phone calls are illegal under Indiana law ; which states that once a consumer tells a party to stop calling, they are required to stop. AES ignores the law. This tactic may also violate the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: SYNCHRONY FINANCIAL
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/ I contacted Synchrony Bank/Care Credit in regards to the fact that their policy of applying an interest rate of 26.99 % to my account was not made clear to me by the company both when I applied for the loan and throughout the course of my loan. Per their Terms of Service I filed an Appeal Form and included the necessary documentation because, as stated on their Appeal form I was not adequately informed I would owe interest on my account if the balance was not paid in full by the end of the promotional period nor that interest accrued on my balance during the promotional period starting from the date of my purchase. The Care Credit card was advertised as " interest free. '' By the time I had paid off my Synchrony/Care Credit loan, I had paid over {$2100.00} in interest even though my payments were always on time. 

Though the letter on XX/XX/23 was my fourth time attempting to contact Synchrony/Care Credit, I have yet to receive any response from them in writing. Strangely, the only response I have received was an email on XX/XX/23 from Synchrony/Care Credit informing me that my dispute had been resolved with a link to fill out a survey. Just to be clear, never once did they reach out to me to resolve this, so I'm hard-pressed to understand how they can thus determine it resolved. 

I'm writing to you because I have exhausted all other avenues with attempts to contact this company to work at some fair resolution. Moreover, I have long since paid this loan in full and have ( despite repeated written requests ) never received written confirmation the loan is paid off. 

Thank you for your time. I look forward to working with you in hopes we can generate a fruitful response from Synchrony/Care Credit . 

Sincerely, 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 2021-11-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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 the consumer have tried to dispute accounts that were resulting in IDENTITY THEFT the creditors, XXXX, XXXX, AND XXXX failed to block and remove the accounts according to XXXX XXXX XXXX XXXX XXXX PLEASE remove accounts from consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
Company: Westlake Services, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX and XXXX XXXX both ceased all business and shut down officially as of XX/XX/2023 and filed bankruptcy as of XX/XX/2023 I was tricked into a lease with XXXX XXXX XXXXXXXX not a finance loan like they advertised on tv red flag one false advertisement. They sold all accounts without notice to their customers no call no email no certified mail anything now Westlake portfolio management a debt collector is harassing me and other customers to pay a debt we didnt start with no proof of owed debt no proper letter in the mail just spam calls daily from different local numbers and international numbers when asked for a debt validation letter we get hung up on or sent a email with their contact information when we request for our original contract with XXXX they never send anything theyve breached contract by selling our information and not honoring warranty which was apart of original contract with XXXX me and other customers do not feel comfortable paying a debt collection company thatll in the end crash our credit and they arent XXXX accredited

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 2021-11-23
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am trying to get credit from a bank and they can not get the Experian report without approval but they don't provide a phone or any way to establish that approval. The bank noted that this lock was on for a year and was supposed to expire last month, XXXX, 2021. I am not familiar with the lock feature but I believe it is the paid XXXX feature. But I am not a paid subscriber to Experian. I go onto my online account and there are no alerts and no freeze on my Experian account. I have been calling their various phone numbers and they all lead to a message system that directs you to the web site. When asking for an agent the system says there are no specialists available day after day over the last week. So I have a problem that can not be resolved online or over the automated system and there is no way to speak to a person to find out why they are not allowing the bank to get my credit report. Experian is interring with my ability to establish credit.

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