BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/XXXX, I received a call from Bank of America ( my caller ID stated that it was the customer service line : XXXX ) and a woman told me my account had been compromised and that I had to send my money to a new account. They walked me through using the XXXX app and insisted that this was the way to help. They told me that {$3500.00} was being transferred without my approval. I told them I only had {$1800.00}. I sent the money to an email that they had created for me and promptly hung up the phone after I sent it. I called the number back to get the actual Bank of America customer service support to which I waited two hours on the phone to file a claim. They then told me that it could take up to 45 business days to review my claim. 

After reviewing my claim, they stated on XX/XX/XXXX that nothing seemed wrong on their end because they followed my directions, but as a courtesy, theyll reach out to the third party to try and return my money. Yesterday, XX/XX/XXXX, they stated that the third party did not send back the money and that I should reach out to the scammers myself to ask for it back. 

There is no way for me to prove that someone from Bank of America did not actually call me from their service line and convince me to send my money to them and are now refusing to send it back. 

My claim number for this with Bank of America was 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 2023-09-08
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
We routinely pay slight more than our needed amount in a given credit card cycle. One month prior to the issue at hand, the balance required to be paid was {$3500.00} and we paid {$5000.00}. Next month required to be paid was {$3400.00} and we paid {$6500.00}. the next month required to be paid {$2800.00} and we paid {$3000.00}. We are paying current month charges before the cycle closes each time and paying above and beyond the prior month closing balance. 

The issue, the cycle starting balance of {$3400.00} was due for that cycle and we paid {$6500.00} via separate payments various return credits of {$560.00}, a mid cycle payment was {$2000.00} and end of cycle was {$4000.00}. That {$4000.00} was apparently not early enough even though it was in the current cycle. Citi wanted payment on the first and we sent it on the third and our cycle closed on the XXXX. We were charged {$68.00} for it not being in by the first. So, {$3400.00} less the {$2500.00} of " timely '' payments is {$870.00} not received by the first. {$68.00} interest divided by {$870.00} is 7.83 % which would be 93.96 % for the year and even worse if you figured the 7.83 % was only for 3 days. I understand we were late because we didn't pay attention and I would eat the {$68.00}. 

That statement closed with a balance of {$2800.00} which was once again due by the first. We paid {$3000.00} on the XXXX of the month before the first to avoid the issue. The cycle closed and we were charged {$93.00} of interest. That takes the total interest to {$160.00} of interest for the {$870.00}. That would be a 228.55 % APR. 

We called Citi, they explained it takes them XXXX months to charge the interest and there should not be any for the next month with a timely payment. They could/would not explain the calculation and they could not waive the interest charges.

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 2022-06-03
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have been using Venmo for 3 years and upon cancelling my debit card, which was linked to my account was subject to fraud. Therefore u had to cancel it and upon cancelling my card my Venmo account was frozen. When I received my new card I linked it to my account and the problem still occurred. I am not able to make payments receive payments, or even retrieve my balance. I have tried to resolve this issue with Venmo, I have spoken to them on the phone and they have told me I can only resolve it online, which is why I reached out to customer service. I was in contact with customer service, having to answer many questions and suddenly venmo stopped responding to my emails in the midst of attempting to resolve this issue. There is no way to reach Venmo I contact them fill out q form and then they never contact me again and it is the same process over and over. I have expressed to Venmo that even if I can not use my account all I want is to retrieve my balance as I have a large amount of money and am unable to get it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28
Company: EQUIFAX, INC.
State: CA
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:
New and Updated information. After sending a written request that EQUIFAX remove a number of inquiries being fraudulently reported on my credit report EQUIFAX still continues to furnish them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Experian Information Solutions Inc.
State: MO
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 XXXX, Account # 539176XXXXXXXXXX, 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 an account without my written instructions.

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 2022-07-28
Company: Receivables Management Associates
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On my credit report, XXXX XXXX XXXX, is reporting I owe XXXX $ on XX/XX/XXXX. Due to this I have been denied housing opportunities and loans to even improve my stances on becoming a home owner. I have absolutely no information on this bill or amount owed. I have called multiple times in the past 2 years of when this account was opened on my credit report to be provided with no information or even call backs on how this can be resolved. I have two insurances ONE being XXXX that pays for 100 % of my services within XXXX XXXX ( which is when these charges would have occurred ) Around the XXXX of my son around XX/XX/XXXX .... and TWO being XXXX. There should have never been any financial burdens on my part within these companies. The company has been given all my insurance cards as well as told I have two insurances. I have asked for my bills to be shown to me so I can see what they are for and have been told " they dont have them as they did a new system within XXXX and cant pull up records ''. I cant pay a bill I have no knowledge of, no bill for, as well as no communication on as to why my insurance has never been billed for any of it the " claimed '' amount saying I owe. This is highly unethical and I feel extremely victimized in my quality of life trying to move forward with no anvil. I need this taken care or and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: U.S. BANCORP
State: CA
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:
Us Bank has pulled my credit without my permission. They have stated that the pull was requsted by US Bank Mobile app.I have continued to be discrimnaited against when going into braches and over the phone. US Bank have turned me away serval times during check cashing our check deposit process. They also has block my crad in the past to prevent me from getting money out the ATM. US bank failed to get my permission to pull credit and did not send me proper notice of such pulling. i have stated to them that i monitor my credit very close. On XX/XX/XXXX XXXX  supervisor of us bank stated that i am eligilbe for a upgrade to a unsercured card but a had pull on my credit must be made. i explained to him a brach manager stated that since I am a customer and and hard pull was done when opeing the secured credit card than only a soft pull is needed. This will be my second complaint against the bank for unfair practices this is plan discrimination and due to other complaints that i hav filed aggainst the bank. i was told if i had problems with them and didnt like the service to go find another branch. they also have continued to do a soft pull on my credit report and not provide and explaination as to why. i have been outstanding and have made all payments on time.

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 2022-06-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I had a official check written out of my Citizens Bank business checking account in a Branch in New Hampshire for the amount of XXXX. Following that they made XXXX consecutive XXXX withdraws form same account at the same branch. They then took the Check they received from the bank teller in New Hampshire to a XXXX XXXX in the XXXX  and cashed the check in an account they set up in my name with a fake PA. drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: AMERICAN HONDA FINANCE CORP
State: VA
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:
Subject : Honda Wrongly reported missed payment to credit bureaus. 

I leased my car with Honda in XXXX. That time I was residing in XXXX XXXX, VA. Then I moved to XXXX XXXX XXXX, VA in XXXX and informed Honda about my new address. I have been paying taxes since day 1 on time. Below are dates of each year Honda sent me a bill and I made a payment to them. Now after 3 years they are saying you need to pay taxes to XXXX XXXX XXXX. To which I am ok but they reported late payment to credit agencies. I called them and ask help to remove this because I have been making payments on time but they want me to dispute with credit agencies. 
Honda Account XXXX. XXXX Case I opened with Honda : Dispute # XXXX Details of property taxes I have been sending to Honda are below : XXXX ( Payment I made ) Payment Received - Thank You! {$260.00} XXXX ( letter I received ) Personal Property Tax XXXX XXXX {$260.00} XXXX XXXX Payment I made ) Payment Received - Thank You! {$260.00} XXXX ( Letter I received ) Personal Property Tax XXXX XXXX {$260.00} XXXX XXXX Payment I made ) Payment Received - Thank You! {$290.00} XXXX ( Letter I received ) Personal Property Tax XXXX XXXX {$290.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
in XXXX XXXX 2022 I placed a call to the company in regards to my special 1 year free interest rate offer soon to be expiring. I wanted to pay my balance off of my credit card and close the credit card. I was told by the customer service rep that they would not charge me interest rate as long as I planned on closing the credit card. My XXXX girlfriend ( XXXX XXXX BOTH have a credit card with the company and we both were told that they would NOT charge the accounts. In XXXX or XX/XX/2022 I placed a phone call to the credit card company in regards to why the interest was charged to our accounts despite being told that they would NOT charge us. They charged us XXXX XXXX {$1300.00} i can not see the total amount as the website is down. I have called the company several times, made a few large payments, i want a call back from the manager ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28
Company: Chime Financial Inc
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
While I was at work on XX/XX/22 there was two charges made to my account at XXXX in XXXX Pa store number XXXX each charge was for the amount of {$170.00}. 
{$350.00} total, first charge was at XXXX XXXX Second charge was at XXXX XXXX. 
Theses charges where not done by myself and my cards were in my procession at the time of the charges. I notified my bank that the two charges were not done by me I put in a dispute they are investigating they said it could take up to 90 days too I am fully immersed I also notified the XXXX store they gave me the corporate number to call and report the situation they gave me a ticket number XXXX and told me to call my local police and make a police report witch I did

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: EQUIFAX, INC.
State: SC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name XXXXXXXX XXXX XXXX Account number XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX Account number XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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

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 2023-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2023, i was charged by XXXX 3 duplicate transactions, i asked my bank to refund me after the merchant refused to send me the refund. Capital One said it is an old one and can't revert back. 
i should be charged only one time instead of 4 times. ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was invited to apply for an American Express XXXX XXXX XXXX by mail. I contacted a representative to explain my financial history. I did suffer through the financial meltdown in XXXX. Now that 10 years have passed, I've been able to manage reasonably good credit so my chances of getting approved for an AMEX card seemed to be good. The representative said the only way to know is to apply. I applied for the American Express XXXX XXXX XXXX with the help of the agent, however, I was rejected. Then on XX/XX/XXXX, I received a letter from American Express informing me that they can not approve my application at this time because American Express cancelled my previous account ( s ). I contacted American Express at XXXX for an explanation. The agent said American Express cancelled my account back in XX/XX/XXXX. I asked for proof and they said they can't provide any proof. I requested this information be removed from my profile and the agent said it is not possible. I have a right to see proof of American Express cancelling my account and the reason why they cancelled my account. As I mentioned, the financial meltdown caused massive pain and suffering. I believe I made the request to cancel my account not American Express. I've attached the rejection letter for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Consolidated Information Services Solutions, LLC
State: AL
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:
Every time I try to delete hard inquiries on my XXXX report they come back the next few hours and say that the inquiries will remain on my credit report, they are not investigating the inquiries. The inquiries that I did not approve. I never approved of these inquiries. On my credit reports, there is a block/freeze on all three reports. These companies manage to get into my credit report without my prior approval. I was never contacted by either of these companies to check my credit. This is identity theft. XXXX and XXXX notified me of the dark web that shows all of my information out there. Even some of my children 's information is out there alone with mine. Most information out there is false and I did not give these companies my approval to check my credit. I am a victim of identity theft. My name is out there on the dark web and my social security number but some of the addresses are different and some other information out there is incorrect. Most importantly my name and birthday are out there and that's the main source. I did not give these companies my permission to check my credit. My credit has a block/freeze on them and no one contacted me to open up my credit files, they just went in and check my credit without prior approval from me. this is identity theft. I never gave them permission to check my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: EQUIFAX, INC.
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:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I disputed a charge of {$9.00} from my cellular carrier who frauded my credit card 2 times before I changed services to another provider once I was sure they committed the fraud using XXXX XXXX charges which I never used. They also interfered with my wireless service which Bank of America was fully aware of since they requested, I make out a police report as I did and uploaded the copy to them. 

Now I am set up with auto pay out of my checking account so I'm never late on a payment. This is the second time in XXXX that they are harassing myself for filing CFPG complaints. My business credit card ending in XXXX has a late fee of : XX/XX/2023 Hide additional information for activity type Fee {$39.00} LATE PAYMENT FEELATE PAYMENT FEE activity type Fee {$39.00} {$580.00} Transaction XXXXTransaction type : Fee These are harassment issues and Deceptive Practices of Bank Of America using my business credit card .

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 2023-09-08
Company: AES/PHEAA
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Nothing has happened. There still reporting inaccurate information and accounts on my report. I have reached out certified mail on several occasions with no results. The last time I've reached out was XX/XX/2023, providing proof of with my certified dispute letter, ending with no results from any of the credit bureaus. 

This collection that is reporting on my credit report from this company was under a lawsuit. I was one of the customers that was under the multistate XXXX settlement lawsuit. This loan was supposed to be removed from all 3 credit bureaus and I was paid out a settlement check. Those were the agreements within the lawsuit. I have proof that restitution was paid out to my account from this lawsuit.

Company response to consumer: Closed with explanation