BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
OnXX/XX/XXXX I went into Bank of America at XXXX XXXX XXXX, XXXX, XXXX and they usually have good service. I asked the teller where the ATM was and she called for the manager. A large, XXXX man walked over with extremely strong body language and said " outside. '' Since I was not in my vehicle, I stayed inside and he gave me very limited if any information at all. I rely on the limited information given to be a Bank of America customer. The XXXX, Bank manager chose to stand by new accounts. Even though there was no one waiting at the female new accounts rep 's desk. After ten minutes of waiting for a XXXX man ( who at first refused to speak XXXX ), I motioned for the Bank manager to come over and told him I have an upcoming XXXX, am XXXX, that the XXXX XXXX customer should have set up an appointment, and that this is clearly mismanagement on his part. The manager said " this is how it is. stand there and wait. '' He offered me a chair but I would have lost my place in line.He could have gone behind the counter to help out the teller who was alone. The other two women worked the drive thru window. I felt that the manager was very hard on me. In particular, because I am a woman who went in alone. In case, I close my accounts out again like I 've been doing since XXXX in XXXX, XXXX I do n't want to be hassled by the male, XXXX, manager who was a little too close for comfort and like I said, hard on me. I called XXXX XXXX, the advocate whom reached out to me months ago when I lived in XXXX. I do n't hear back from her. I do n't want to be given a hard time, forced to do things a particular way, or forced to know what the Bank employees are thinking.

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 2019-12-09
Company: Comerica
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Hi my name is XXXX murder  on XX/XX/2017 I received money from Social Security for $XXXX it was going to the business which is called direct   express  is it located in XXXX XXXX  Texas their telephone number XXXX-XXXX-XXXX  That company is very hard to get in touch with tried to get in touch with them it’s almost impossible well anyways I called the fraud department because after about 78 months with my head became a little clearer I said a look at it all my money was gone so I ask him to send me a statement because I’m expecting statements every month they tell me they’ll send statements out because they charged you $XXXX per statement and I told him I think there’s a mistake I should have more money in the bank I think either you make aA mistake or somebody stole my money so we talked for about an hour I explain to them what happened I have a pay which I have a picture of her name and address was there she was my ex fiancé I fired her right before I got the check because of personal reasons but the account that stay open for two loads if you read the Social Security manual they can still operate with that card and I’ve also had identity theft which I have very suspicious about her so anyways I explain to them what happenedSo here are the disputes disputable 1-XXXX dispute number 2-XXXX dispute number three XXXX dispute number4 XXXX so after we got all the disputed they told me they would mail out some forms that I needed to fill out  They told me they would be here within 10 business days I’m still waiting father never sent me nothing never got the file that I never got to process I have a police report the police seen it they know what’s going on I’ve had a dirty theft my Social Security card was stolen you think they will dig a little deeper into this they sent me one piece of paper from some company called XXXX  which I’ve never heard of the company says there was a conflict of interest which I really don’t understand what the conflict is Four different disputes they only investigated one and they told me that the investigation is over there’s nothing I can do you need to hire a lawyer if you want to continue investigating this case so that’s what I’m doing I sent you guys a picture so you could take a look XXXX  and see you all Social Security is really dealing with thank you my name is XXXX  XXXX  appreciate your time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Water damage and have an insurance check but having trouble getting funds released. Bank is stating I am late after being in a foreberance and then into a trial modification. I have made all payments and am now in a modification of the mortgage but because Loan Care is stating I am still late - the company handling the insurance check will only release 25 % and I need 50 % so contractor can order supplies.

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 2021-11-14
Company: ALLY FINANCIAL INC.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a car loan with Ally, I have not been able to check my balance on their website for XXXX weeks. I called Ally many times and they told me its because I almost finish paying the loan. 
Thats not a reason to block me from checking my actual balance and amount of interest on my account. 
It takes a lot of time to speak with someone at Ally and at this moment do not know any information on my loan. 
Every time I have the chance to speak with customer service they request me to make a payment with out telling me how much is for the actual Loan and how much is for interest and late fees. 
When I know for a fact that I can pay interests at the of the loan. 
Thats misleading of information, they should not omit giving the proper information. 
And I still have no information about a previous complaint that I submitted on XX/XX/XXXX with Ally.

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 2021-06-11
Company: Radius Global Solutions LLC
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:
Someone from Radius Global solutions called me concerning the debt. They had the wrong information and when they could not verify the information they still reported it to the credit bureaus and it has adversely affected my credit score.

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 2017-04-25
Company: Kramer & Frank, P.C.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have a credit card with   XXXX   XXXX  -I was in the process of starting to dispute some of the charges. But  XXXX   XXXX  was not was not responding to me. Now I found out that I have been sent to  Kramer  and Frank attorney at law, and have a lawsuit pending from bankruptcy attorney solicitations. No one has contacted me fro m Kramer and Frank. I  have not received any mail or phone calls from them. They have filed sue on me  X/XX/2017    and I have not gotten anything from them. Today,  X/XX/2017    I have faxed over a validation letter to the attorney office, but I ca n't seem to get a call back. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-14
Company: Affirm Holdings, Inc
State: NY
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:
While doing online banking on my capital one account I saw alerts of a delinquent account from a credit bureau company. Further research showed that a company name AFFIRM had a loan in my name of approximatelyXX/XX/XXXXdollars ( could be more ) that I did not apply for and knew nothing about in delinquency status and had reported it to the XX/XX/XXXX credit bureau.. 
I called affirm to report this, I made an official complaint with them. The confirmation number for this complaint is XXXX. 
So someone had used my personal information to apply for a loan from this company. At no time did I receive any information from affirm regarding this loan or default of a loan. I found out about this through checking on my credit updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently requested copies of my credit report in  XXXX   XXXX  to review for accuracy. I noticed a negative reporting account fro m Portfolio Recovery and immediately sent a request via certified mail to request validation of this debt. Portfolio Recovery was in  receipt of this letter on  XX/XX/XXXX . I also disputed this information with the credit bureaus who stated th at Portfolio Recovery valida ted the request they sent. I received a letter dated  XX/XX/XXXX  fro m Portfolio Recovery statin g that I allegedly owed {$360.00}. There are several issues with this negative account being listed on my report and a lot of the information makes no sense and I am hereby requesting immediately deletion of this account for the following reason.  <P/>  1.  This company is reporting and has validated with the credit bureaus an amount that contradicts the paperwork they have sent me. My credit report has an alleged debt listed in the amount of {$360.00}, however they have sent me a letter, on th eir OWN letterhead that states an alleged amount of {$360.00}. This is a direct violation of the FDCPA 808 ( 1 ) Unfair Practices that states " ( 1 ) The c ollection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.  <P/>  2. Per my hard copy credit report, Portfolio Recovery claims th ey verified data that does n't even make any sense. They have reported to  XXXX  that the account was open on  XX/XX/XXXX , however also reported the " date of  XXXX  delinquency '' is  XXXX  and also the " date of major delinquency  XXXX  reported ''  XXXX . How can you report the account was opened in  XXXX  but state the date of  XXXX  delinquency is  XXXX ? This makes absolutely no sense.  <P/>  XXXX . I have never entered into a contract or agreement and have never done business with  Portfolio Recovery.   <P/>  4. This alleged debt does not belong to me and Portfolio Recovery h as failed to provide accurate information or validation of this alleged debt.  <P/>  5. Portfolio  is unable to provide me with an agreement between them and the original creditor they have listed.  <P/>  Portfolio Recovery  has been known to display deceptive tactics in order to collect monies from consumers and has been fined previously by  the Consumer Protection Finance Bureau ( a s recent as (  XXXX  ) and this a perfect example of this tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: DISCOVER BANK
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: Didn't receive advertised or promotional terms

Complaint:
I need to file a complaint against Discover for falsely advertising a credit card offer promotion for using   XXXX   XXXX  . The first  XXXX    XXXX   XXXX   came with a {$5.00} promotion. Discover told me on several occasions that I would received it this  XXXX , but I did not. They admitted to their error, but are still trying to make me wait for 1-2 more billing cycles.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The company is reporting inaccurate information 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 2017-06-06
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I went to TD Bank where my U.S. checking account is and wired two international transfers to the XXXX XXXX in the XXXX XXXX XXXX. This was on XXXX XXXX, 2017. One amount was for {$10000.00} U.S. and the other was for  {$1500.00}. Both were for my father 's medical care. Neither amount arrived. I was told it would take 3-5 days. On XXXX XXXX, I called the branch and was told to wait until Friday XXXX. On Friday XXXX I was told to wait until Mon XXXX. I went into the bank on Tuesday XXXX and was told they would look into it and call me back. On Tuesday XXXX XXXX I went back in and sat for an hour while an assistant manger was on hold with the wire transfer dept. At this time I was also informed by another asst. manager that she usually tells her clients there is no guarantee the funds will arrive and that means I have lost them. I reminded her she was the one who authorized the transfer after her assistant had typed it up and she had not mentioned this before. I asked for my money back and she said she would take over and contact the wire dept to do a trace. She did not call me back so I called her, she had not been able to contact the wire dept by phone as they were busy. I asked her to cancel the transfer and refund my money. She said she could not as the wire dept were doing a trace and I she would call me back the next day. I ended up calling her back on Fri XXXX and she said it would take a few days to find out where the money had gone, but knew the request had been received by XXXX XXXX - the Intermediary Bank. Today, Monday XXXX XXXX, I could not reach her. I could not get a corporate number from the website so I called customer service and they could not give me a number to their headquarters either. I finally called another larger branch of TD and spoke to an assistant manger who said she would look into it. The money left my account on XXXX XXXX and no one informed me it had not arrived, I found that out when my father 's bill was n't paid. I contacted XXXX XXXX XXXX and was transferred to XXXX XXXX who informed me the funds had not arrived and the only thing I could do was trace it from this end. Which I 've been asking them to do. What do I do next. This is a lot of money and my father 's XXXX XXXX needs to be paid. How can TD Bank tell me I may not be able to recover my money? Please help me. They also took the Wire Authorization Form from me in order to investigate so I can only attach the letter of notification of the Outgoing Wire Transfer which came in the mail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/XXXX I emailed Transunions corporate headquarters about improper and unfair credit reporting and asked them to remove the debt after showing them a summons. 

Transunion proceeded to block me from accessing my account to view my credit info and dispute. They did this the same day I received a response from corporate asking for my social security number. Now Transunion is saying my social security number was being used by someone else which is why I can never use them again! 

I received no notification about this issue and Transunion is refusing to fix this issue. Ive reached out to a law firm in PA who has stated Transunion has started to block consumers and will stop reporting on them when they complain to them or file disputes. This is a common occurrence where they will prevent you from even having credit with them. 

I want my account restored and my credit score updated as I had paid off a debt from XXXX XXXX and they had to request for deletion twice because Transunion isnt updating scores on me since XXXX of XXXX. That deletion was submitted 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 2017-12-01
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have repeatedly contacted family members with whom I have never lived with, even after being told to cease contact by both them and me. I have asked for a written account for what they believe is owed, which I have not received.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I've been repairing and monitoring my credit reports for about the last 2 years. I noticed in XXXX that my score with Experian is about XXXX points different from the other reporting agencies. I waited until XX/XX/XXXX to see the new report and it remained the same so I reached out to Experian to no avail. Their phone service was unable to help me. I even chatted with someone who told me that someone will be getting back to me and no one did. Now when I try catting It doesn't work for me. I would like to know why the disparity of Experian and the other reporting agencies. I'm in the home buying process and feel that this will affect that process so this is very important to me. TY!

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 2019-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had numerous fraudulent charges on one of my checking accounts. The first time it happened in XXXX & XXXX of XXXX Bank of America reimbursed the funds & sent me a new card. However, then the same charges happened again in XXXX, XXXX & XXXX of XXXX plus numerous others. I disputed these charges as well. The bank initially refunded my money. Then in XXXX of XXXX they sent me a letter retracting their previous decision and took my money away. I then was told to fax a dispute letter if I wanted the claim reopened. Which I did ; 4 times!!! They finally confirmed receipt of the letter in XX/XX/XXXX and told me it would be 60 days and they would have a resolution for me. I called back in XX/XX/XXXX and was told my claim hadnt even been looked at! I was then told they would escalate the request and Id receive a resolution within 30 days. I have received nothing! I contacted the claims department today, XX/XX/XXXX and they tell me that my claim was closed and the resolution was sent in XXXX. I asked what the resolution was and they told me that because I didnt file my fraud claim sooner it was not valid. Bank of America refuses to provide me with information proving the charges are not fraud & the refuse to look at my claims any further. Ive lost {$140.00} and the bank just has their representatives tell me Sorry. This is unprofessional & ridiculous! I feel like Ive been violated & the bank does not want to protect their customers.

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 2017-06-06
Company: U.S. BANCORP
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
This complaint is about US Banks end of lease maturity services. Once our car lease was ending we were transferred from US Bank Financial to their End of Lease Program to coordinate returning our vehicle XXXX XXXX 2017. The End of Lease program coordinated an inspection by a 3rd company which we completed on XXXX XXXX. The services provided by this party were fine. <P/>The issue at hand with US Bank was when I wanted to return the vehicle. They said return it directly to the dealer where we leased ( they went bankrupt and closed ) the vehicle. As this was not an  option they said they would pick it up which we confirmed via phone on XXXX XXXX. They said the car would be picked up in 7 to 10 days. Unfortunately I had to call again on XXXX XXXX - they said they had an error in their system and it would be another 7 - 10 days. I called again on XXXX XXXX and was told they would pick it up on XXXX XXXX. I called again on XXXX XXXX and they confirmed they would get it on XXXX XXXX. <P/>As a result of US Banks transferring between departments they try to confuse the consumer and cause incremental charges. We received an additional bill for two lease payments for the time we were waiting for them to pick the car up which we are disputing and want assistance with. This is awful behavior from this institution.

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 2019-12-09
Company: EQUIFAX, INC.
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:
I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

Company response to consumer: Closed with non-monetary relief