BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/18 a transfer was initiated from my mobile APP of {$1000.00} from my checking account to what was suppose to be my Saving account however after checking the saving account there was no money in the account. after checking the account it appears the transfer went to my credit card account ending in XXXX. Immediately after the transfer I had called the bank to cancel the pending transfer and instructed the representatives to move my money back to my checking account immediately as the funds will be needed. I was instructed to wait till the payment posts to the credit card account at which point the refund can be requested, this is not acceptable as the transfer was just initiated and should/could of been canceled immediately by the bank. Spoke to a manger by the name of XXXX XXXX - manager advanced client services who then advised the transfer would take 2-5 business days to process. This timeframe is unacceptable by all means from a large financial institution and the bank should do better to allow for these errors to be fixed immediately not 2-5 days. Due to the banks restriction on the use of my own money I am not able to make a large purchase that I need to complete within the next few business days which may result in a large financial loss on my part. If such a loss is incurred the bank will be held finically responsible at which may result in a lawsuit being filed with the courts.

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 2020-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have sent 4 letters to TransUnion asking them to validate some collections, charge-offs and a bankruptcy with the associated accounts on my credit report. I have asked them to provide written contracts and any proof these are mine. To this date, I have not received anything from them and no explanation on how they " validated '' these are mine. I sent a letter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am getting ready to send them my final letter with the intent of filing a lawsuit.

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 2020-12-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My beloved wife XXXX and I co-signers on the car loan have sent dozens and dozens of emails and made dozens of telephone calls and written letters to the President and other high senior officers of the Bank of America to lower our monthly car loan payments form {$770.00} to {$500.00} because of the novel coronavirus pandemic that makes it impossible for us as senior citizens with very serious medical contains to work! In fact, XXXX had to quit her job of 16 years. Yet not one single solitary word back from the President of the Bank of America or the other high senior executives nor any other single solitary word back written or oral to permit us to pay {$500.00} per month! 

This is now our NINETH ( 9TH ) complaint to the Consumer Financial Protection Bureau. 

The Bank of America still after all these months of our complaints to the CFPB says it is not yet ready to answer us! 

Are we now to file 500 or 10,000 more complaints?

Send 200 more emails and 500 more letters and make 1,000 more telephone calls before this one of the very largest banks in the entire world answer us? 

Apparently so! 

The Bank of America is being obscene here! 

Totally and completely brutally cruel to us! 

Call it age discrimination which it is! 

Call it total disregard of the novel coronavirus pandemic which it is! 

Call it criminal which it is!

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 2022-03-21
Company: BARCLAYS BANK DELAWARE
State: WA
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:
The account I previously had, has been charged off. By Definition The IRS Clearly says a Canceled debt or Charge off Is Income. The reporting of this account as a debt is inaccurate.

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

I have contacted this establishment informing this manor. I have yet to see any change nor response from these companies reporting to the credit reporting agencies. 

companies contacted XXXX XXXX, XXXX XXXX XXXX, CXXXX XXXX XXXX BARCLAYS BANK DE, 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 2020-12-31
Company: CITIBANK, N.A.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/2020 a payment through electronic check in the amount of {$5000.00} was attempted to be made on my Sears Mastercard account and this was NOT successful and the funds were reversed on my account. 

In XX/XX/2020 a check issued from a title company was sent for payment on my Sears Mastercard account in the amount of {$5000.00}. This check was cashed on XX/XX/2020 and the funds were not credited to my account. 

I have provided a copy of the cleared check and I've attempted numerous times to resolve on the phone and through the secure website. I've filed a complaint with the credit reporting bureau and their response is that I disagree with the findings although findings have never been communicated to me. My online inquiries have been responded to asking me to call ; I call and I am told a letter has been sent but I never receive anything.

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 2016-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card
Issue: APR or interest rate

Complaint:
I have an XXXX Visa issued through Bank of America ( America 's most hated bank, I now know ). Should have known better. However since I pay all credit card balances in full every month I thought there would be no issue. I set up automatic bill pay to remove from my checking account the full amount of the credit card bill each month. There is a warning on the BOA website that the instructions might not be in effect until the next billing cycle, which is reasonable. However it 's now been XXXX cycles and they continue to debit my bank account for the minimum payment of {$25.00} ( an option I would NEVER choose ) and charge me interest on the remaining balance. On XXXX XXXX XXXX I called to find out why my instructions to pay the FULL STATEMENT BALANCE every month were not being followed. The customer service representative assured me I would see the correct amount paid on the next statement. My new statement ( XXXX XXXX ) also shows BOA again removing only {$25.00} from my checking account, and again charging interest on the balance. They clearly make a lot of money by not following instructions from their customers. I would cancel this card today except I really like XXXX companion fare deal. Too bad they have chosen BOA to issue their card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-21
Company: SYNCHRONY FINANCIAL
State: FL
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:
On XX/XX/2018 Syncb/XXXX., added a derogatory remark on my credit report per credit karma and XXXX. Upon further research this account was transferred/sold, and I am no longer responsible for this account. Debtors ' creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for the accused debt at all. A bill without a written signature does not validate the debt and anyone can send a bill and say it's mine. According to the FCRA Syncb/XXXX  XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

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 2023-03-26
Company: EQUIFAX, INC.
State: TX
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:
I am a natural person. I am a living human being. I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681. Equifax has violated my rights on numerous occasions. I demand the accounts listed below be removed because according to 15 USC 1681. I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XX/XX/XXXX ; Balance- {$5200.00} ( This was opened fraudulently while I was in college. It comes off in XX/XX/XXXX but Im asking for this fraud account to be deleted now. Ive been living with for almost 7 years. ) XXXX XXXX  XXXX XXXX XX/XX/XXXX ; Balance- {$370.00} XXXX XXXX XXXX XXXX XX/XX/XXXX ; Balance- {$390.00} XXXX XXXX XXXX XXXX XX/XX/XXXX ; Balance- {$3400.00} XXXX XXXX XXXX {$350.00}

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 2020-07-03
Company: Experian Information Solutions Inc.
State: CT
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:
Account with XXXX XXXX XXXX ( Original debtor XXXX  XXXX ) Account number XXXX Collection opened XX/XX/2018 This is reported on my Experian, and XXXX  reports. This is NOT my debt. I have reported to Experian and XXXX  and they investigated yet the item remains on my reports. I have disputed to XXXX XXXX XXXX and requested signed proof that I opened this account. They have not ( and can not ) provide it as this account was never opened by me, yet the account remains open and on my credit reports.

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 2020-12-31
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The Public Service Loan Forgiveness ( PSLF ) program through the Federal Student Aid website revised the Employment Certification Form to offer the following three options, " 1 ) I just want to find out how many qualifying payments I have made or if my employer is a qualified employer ; 2 ) I believe I qualify for forgiveness under PSLF or TEPSLF right now ; 3 ) If I indicated that I believe I qualify for forgiveness now, I want a forbearance while my application is being processed, but understand that periods of forbearance do not count towards forgiveness. '' The form no longer reflects an option for individuals working towards completing their 120 qualifying payments for federal student loan forgiveness. For example, I am a government employee and certified my employment in XX/XX/XXXX ; I will certify again in XX/XX/XXXX to receive credit toward PSLF since the twelve qualifying payments from XXXX have not yet been credited to my loan account. The revised employment certification form does not appear to reflect the information required in order for me to certify and receive credit from FedLoan Servicing for the 12 qualifying payments over the past year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2022-03-21
Company: DISCOVER BANK
State: FL
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:
My complaint is against Discover Financial Services for failing to remove an unauthorized and fraudulent credit inquiry on my XXXX credit report. I have included a copy of this credit inquiry that appeared on my XXXX credit report ( doc # 1 ). I did not apply for this Discover credit card and have no interest in having a Discover credit card. This inquiry along with many other inquiries for auto loans and credit card accounts appeared on my credit reports all within a few weeks of applying for a XXXX XXXXXXXX XXXX auto loan. I did not apply for any of these other auto loans or credit card accounts including this Discover credit card with the exception of the XXXX XXXX XXXX  auto loan that I was approved for and used to purchase a new vehicle. I sent a letter ( doc # 2 ) to Discover on XX/XX/2022 explaining that I did not apply for this credit card and asked that they have this hard credit inquiry removed from my XXXX credit since I did not apply for this Discover credit card. In this letter I further explained that several other credit cards and auto loans that I did not apply for has appeared on my credit reports. On XX/XX/2022 I received a form from Discover that was needed for them to conduct an investigation into this matter. I immediately completed this form ( doc # 3 ) and mailed it back to Discover on that very same day. After about three weeks went by since returning this completed form to Discover I called them for an update on this investigation. I was told that the department that handles this requires that all communication is done by mail. I followed up with another letter ( doc # 4 ) explaining that I had wrote a letter to them explaining my situation and that I also mailed them the completed form that they needed to investigate this matter. On XX/XX/2022 I received another form ( doc # 5 ). This is the very same form that I received from them back on XX/XX/2022. Discover is completely ignoring my request to have this credit inquiry removed from my credit report. This is clearly a case of fraud or identity theft and Discover is not taking this seriously. Having these unauthorized credit inquiries on my credit report is having a negative effect on my loan applications, my acquisition of credit and my credit history. Discover is not doing anything to correct this matter and since they requested my credit report without my permission they are required to have this credit inquiry removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
AMEX Debt Collector calling me daily for over a month ( XX/XX/XXXX- XX/XX/2022 ) about my employee 's personal debt. Asks me to contact her, tell her to call them back. 

Leaves a voicemail with this callback information ( XXXX ref # XXXX ). 

I told them many times not to contact me anymore, that I will not speak to my employee about the debt. They keep calling and harassing me. 

It is not my debt and not my company 's debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Block, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
So the other day I had my XXXX ( ymail ) email account hijacked. 
This occurred sometime shortly before midnight on XX/XX/2022 and as soon as I noticed upon waking up around XXXX a.m. 
on XX/XX/2022 I took steps to secure every cent I had to my name ( $ XXXX ) by creating a secure email and switching phone numbers and updating my cash app with these new secure methods of contact on top of having my cash card in physical possession and a cash pin in place. Everything seemed fine until I go to make a child support payment to my daughter 's mother via cash app like I do every week only to have the transaction be declined and my cash app locked. They made it seem like everything was going to be fine there was no big deal and it should be unlocked shortly. A few hours past and I go to check on my cash up and see if the issues have been resolved yet and much to my shopping order I open the app and it appears that my cash I've been signed out so I frantically enter in my email details to try to sign back in and upon doing so I'm greeted to a blank screen saying welcome to cash app acting like I never had an account before. I didn't spend hours communicating with the service team only to eventually have them randomly shut me down and give access back to the hacker fully despite me having a cash pin in place and having physical possession of the card issued by cash app for the account. I am now facing homelessness and jail time for not being able to pay child support and rent after just moving completely across the country. I think that the reasons which were not communicated to me and I was denied any type of transparency or compassion or ever because I am using XXXX fi which has a VPN and their whatever security software program didn't like that fact or b because I think I may have accidentally mistyped one digit when I was prompted to enter my date of birth after clicking the ID verification link that they sent me. This is a cruel way to treat a veteran...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I subscribed to HP XX/XX/XXXXXXXX on XX/XX/2020. I paid to initiate the services with my MasterCard {$53.00} and was told at that time I could call back and change the payment source, which I did XX/XX/XXXX, to a XXXX Debit Card ; {$16.00} monthly. I have a copy of the updated agreement, XXXX. I discovered on XX/XX/2020 upon reviewing my MasterCard bill that I had not used since starting the subscription with HP that HP XXXX  XX/XX/XXXX had been double billing for services since XX/XX/2020. HP credited my MasterCard the XXXX of each month and then my XXXX XXXX on the XXXX of each month clearly an input error by their staff. I contacted HP at XXXX, option 2 and requested that my MasterCard be credited ; I was told that someone from the Billing Department would contact me. HP gave me a case number of XXXX. I subsequently contacted MasterCard and told them about the disputes form HP ; initially they agreed to investigate and I submitted website information from my XXXX account. After clarifying the information sent to MasterCard I was told they were closing the cases because there were problems with the length of time and refused to close the account since it was being disputed. I requested their policy information but was told it would be mailed in 7 to 10 days. XX/XX/2020 I received a phone call from the billing department and was told the problem was my fault and initially was told they would not credit my XXXX Account for any of the disputed months ; with much discussion to follow HP sent an agreement to credit only 3 of the 6 months and provide 3 months of free service. This is not right that I have to pay for their mistake with interest on my MasterCard. I do not wish to continue any service with this unscrupulous organization and I am due an additional 3 months credit to my MasterCard with interest.

Company response to consumer: Closed with monetary relief