BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XXXX of 2020 I received a settlement from a lawsuit that I had against the company that I worked for in the state of Pennsylvania XXXX XXXX XXXX XXXX  d/b/a XXXX  XXXX  ). I received two checks from the company after winning the lawsuit. I deposited those checks into my savings account at Bank of America on XXXX, XXXXOne check was in the amount of {$5800.00} and the second check was for {$3600.00}. The check for {$3600.00} cleared, The larger check for {$5800.00} had been returned for insufficient funds, my attorney had reached out to the company so they can issue another check for me along with an additional check for {$12.00} to cover the fee that I was charged by Bank of America. The company issued me a new check for {$5800.00} and another for {$12.00} to cover the bank fee and I in turn deposited those checks into my checking account again at Bank of America on XXXX XXXX. The checks had cleared on XXXX XXXX. After the checks all cleared I transferred the XXXX from my checking account to my savings account. After transfering the money to my savings, the banks risk department put a hold on the checks which had cleared, froze and closed my accounts. I contacted the bank to find out what was going on, they told me that they were investigating the funds. I went to the my local Bank of America Branch to find out what was going on and they told me they can't give me any information because they are not allowed to speak to anyone in the risk department. I have made numerous calls to Bank of America and they keep telling me that they don't know when their investigation will be complete. Each time I have called I have offered to submit court documents that show the funds belong to me. I had also reached out to my attorney who handled the lawsuit for me, who offered to submit evidence to the bank of America that it is my money. My attorney also contacted the company that issued the checks who in turn offered to submit proof that they indeed made those payments to me. Bank of America refused any evidence from all parties, they refused to speak with or receive any evidence from myself, my lawsuit attorney, nor the company that issued me the checks stating that they have to do their own investigation and will let us know when it competes. It should also be noted that the company that issued the checks to me also banks with Bank of America. I have continued to attempt to rectify this situation with Bank of America and receive my funds which belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-07
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage got switched over to Caliber home loans Inc. Mortgage Services as per XXXX 2016. I 've had nothing but problems with them. I have owned my house for 14 years and have had nothing but problems before and after they acquired my mortgage account.I have called them had spoken to costumer service they stated they do what they want not what I want and at the end of my inquire they ask me if there is anything else they can help me with, leaving me speechless. They do record the conversations and I do recall my conversations with them. Not applying funds on time, not complying with my request of payment history, annual report and all the activities recorded included late fees, attorneys fees applied to my account. Caliber Home Loan Inc. Mortgage Servicing refused to answer my question pertaining to my account. Caliber have refused to answer to my correspondence with inquiry pertaining with a double dipping payment caliber home loan is getting paid twice for the same negative escrow balance, not applying funds, submitting false allegation of missing regular monthly mortgage payments to chapter XXXX  trustee for missing payments modification. It 's like they want possession of my home.Problems : Service issuesBilling collecting issuesCostumer Service issues

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AK
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
After reviewing my credit report, I found XXXX collection accounts through the same " debt buyer '' company showing a past due balance. I have not received any correspondence to date that states I have a contract with them to pay any amount. I do n't know who this company is, and what debts they are trying to collect on as I did n't know about these debts. The company is Portfolio Recovery Associates. With XXXX collection accounts reporting past due amounts this is very damaging to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Investigation took more than 30 days

Complaint:
I am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

TRANSUNION COLLECTIONS : XXXX ( original Creditor : XXXX XXXX XXXX  ) Balance {$570.00} XXXX XXXX Balance {$500.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  : XXXX SELF-REPORTED Balance {$9.00} XXXX SELF-REPORTED Balance {$480.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX Balance {$900.00} XXXX XXXX Balance {$500.00} XXXX XXXX  : XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) Balance {$900.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2015-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Funds were transferred from XXXX account to Capital One 360checking account, The funds have been frozen. Security said banking regulations have been broken so the account will be closed. It was then also stated that XXXX asked them to hold the money until their own investigation is finished. XXXX said there is no such thing even if they had wanted to do so. I am still trying to get the reason for the hold in writing. 
Latest developement : After an hour on hold today, the same implausible story was repeated along with a flat refusal to put anything in writing. Is it really legal for them to hold thousands of dollars indefinitely?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12
Company: SCA Collections, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A Collection was posted on my credit report for a medical debt that I do not owe ; I received a medical treatment from XXXX XXXX XXXX XXXX XXXX which was to be fully covered by my insurance. Several months later, SCA Collections sent the first and only notice of a medical bill due along with a threat to file a Collection on my credit report. I contacted the the medical group and corrected an error in their billing records 6 weeks ago and was told the item would be resubmitted for payment to the insurance company. I received no further notice until I was notified that a collection was posted on my credit report. This is the second time that XXXX XXXX XXXX XXXX XXXX submitted this covered expense to SCA collections with no notice to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Rewards

Complaint:
I previously submitted a complaint ( Case Number XXXX ) regarding American Express 's lack of cash back rewards on my account. Their response was that they would start accumulating cash back going forward ( i.e. from the end of XXXX 2016 ) and handle the missing months ( XXXX 2016 - XXXX 2016 ) separately. Unfortunately, not only have I not received any relief for the missing three months, the accumulation I was promised from XXXX 2016 forward has not happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Transunion, XXXX, XXXX and their nonaffiliated 3rd parties are in direct violation of the Fair Credit Reporting Act and XXXX XXXX XXXX XXXX! They are violating my federally right to Privacy and sharing my nonpublic personal information without my consent which is damaging my character and ruining my reputation. SEE ATTACHMENTS

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 2022-06-04
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 have several inquiries on my Equifax credit report that do not belong to me that have to be a result of fraudulent activity. Ive tried on multiple occasions to have them removed, but Equifax is refusing to remove them. I have no accounts with these companies nor have I ever given these companies consent to run my credit. The accounts and dates are as followed : XXXX on XX/XX/XXXX, XXXX  on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  on XX/XX/XXXX, XXXX  XX/XX/XXXX and XXXX on XX/XX/XXXX. I am requesting that all of these inquiries be removed immediately as they arent mine. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: CITIBANK, N.A.
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
BBY/CBNA ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you BBY/CBNA or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : BBY/CBNA or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS 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 2017-01-05
Company: CITIBANK, N.A.
State: WI
Product: Credit card
Issue: Billing disputes

Complaint:
Citicards has FAILED to return a {$100.00} disputed charge which they owe me and their customer service, especially a " XXXX '' that works in the dispute department is utterly incompetent and laughs at the customer BEING right. This credit card company, as well as all the others across the USA, are clumsy fools at best.

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 2023-02-22
Company: Berlin-Wheeler, Inc. (Kansas)
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account was fraudulently opened with XXXXXXXX Virginia Region and placed into collections with Belin-Wheeler Inc . I was notified by XXXX that a collection account appeared on my credit report.

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 2022-10-13
Company: DISCOVER BANK
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Online Savings Account at Discover Bank for several years. On XX/XX/XXXX I requested an ACH transfer to XXXX XXXX account which was previously linked. As of XX/XX/XXXX the funds are not at XXXX XXXX and Discover service representative tells me it takes 6 days. 

The funds were taken out of my account on XX/XX/XXXX, but Discover is using my money for free by holding my funds and not sending them immediately per my instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: EQUIFAX, 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:
XXXX   XXXX  Credit Card is reporting incorrect contact information on all  XXXX  CRA 's. Dispute letter mailed to  XXXX   XXXX  at the address listed on all   XXXX   reports  XX/XX/17   . This letter was returned " un-deliverable ''   XX/XX/17 .   Photo  copies of the letter showing the United States postal service could not deliver the letter along with a letter requesting the information be removed due to inaccurate reporting to all   XXXX    bureaus Equifax,  XXXX , and  XXXX  on  XX/XX/17   . All  XXXX  have responded as "  Verifed  '' account information yet all   XXXX   still list the incorrect mailing address for this account.  XXXX   XXXX  sent me a letter with their correct address in the return section of this letter. Due to the inaccurate reporting of  XXXX   XXXX  and the CRA 's this account needs to be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: EQUIFAX, INC.
State: PA
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, Equifax and their nonaffiliated 3rd parties are in direct violation of the Fair Credit Reporting Act and XXXX XXXX XXXX XXXX! They are violating my federally right to Privacy and sharing my nonpublic personal information without my consent which is damaging my character and ruining my reputation. SEE ATTACHMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, has violated my rights.

According to 15 U.S.C 1681 section 602 A. I have the right to privacy.

Furthermore, 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without written instructions from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, has violated my rights.

According to 15 U.S.C 1681 section 602 A. I have the right to privacy.

Furthermore, 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without written instructions from me.

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 2016-07-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX - XXXX MACYS XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Re : Unauthorized Credit Inquiry SSN # XXXX XX/XX/XXXX and XX/XX/XXXX Dear Macys, I recently received a copy of my XXXX credit report. The credit report showed a XXXX credit inquiry 's by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, and then please send me proof of this. 
Thanking you in advance, ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
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 2022-06-04
Company: Experian Information Solutions Inc.
State: AR
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: Investigation took more than 30 days

Complaint:
I am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

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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