BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank of America is ripping off consumers with return check fees. BOA wont pay a check for {$100.00}, but they will pay one for {$15.00}. My payroll direct deposit goes into my BOA account every 2 weeks, over {$2000.00}. Even if a deposit comes in while my check or payment is pending, BOA still returns my transactions and say there is insufficient funds. For example on XX/XX/XXXX there were 2 transactions pending. On XX/XX/XXXX a deposit went into my account foe {$4300.00}. On XX/XX/XXXX both transaction was pending at XXXX. On XX/XX/XXXX they issued a credit for the {$100.00} and {$200.00} and said my account had insufficient funds, and charged my account {$35.00} for each transaction. XX/XX/XXXX my account charged {$35.00}, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX. It is not good customer service for BOA to be charge customer these fees with a pandemic going on, and customers are struggling.

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 2016-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
RE : Case XXXX, the terms of the County of XXXX XXXX recorded " FULL RECONVEYANCE '' by XXXX XXXX XXXX, the legal counsel for Bank of America as part of the solution of the above mentioned Case, are unaceptables by XXXX XXXX XXXX, due the stated full enforcement to collect the debt, even this second mortgage loan ending in XXXX has been discharged in Bankruptcy Chapter XXXX. Case XXXX, and Bank of America Bankruptcy Team @ XXXX XXXX XXXX XXXX. XXXX XXXX CA was properly served on XXXX and XXXX 2015. The Bank of America counsel is violating a federal law order trying to fully enforcement in collecting an already discharged debt by Chapter XXXX and surrendering secured real property procceding. " XXXX XXXX XXXX '' the Bank 's legal counsel, wrote in the recorded " Deed of Reconveyance '', that this legal instrument is solely for the purpose of release the lien of the Deed of Trust of the XXXX XXXX XXXX described real property, currently in active process of Short Sale as Foreclosure Alternative and the expected Collection Effort by " XXXX XXXX XXXX '' is totally illegal As Is in the recorded " Deed of Reconveyance '' before the Authority of 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 2015-08-06
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I filed bankruptcy in XXXX 2015 it was discharged XXXX 2015 there are a few student loan account that shows closed per XXXX still showing open via Equifax due to the recent bankruptcy service thru XXXX. I have contact the company on several occasions was told that they are not able to provide account information due to the recent bankruptcy and that I will need to contact the credit bureau with the issue. I have filed several disputes with Equifax also stating that the information is being reporting accurately. I am requesting that the information for the accounts be reflected the same as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There is a fraudulent XXXX XXXX credit card that still appears on my account. I repeatedly told XXXX XXXX that this credit card is not mine and fraudulent charges were made to it. XXXX XXXX did nothing, absolutely nothing, to help me. THIS FALSELY ALLEGED DEBT IS OVER SEVEN YEARS OLD AND MUST BY LAW BE REMOVED FROM MY CREDIT REPORT. I DEMAND ITS IMMEDIATE REMOVAL FROM ALL OF MY CREDIT REPORTS ASAP. I will never work with XXXX XXXX again and will warn all others to stay away from this predatory lender. I will tell my story to everyone to discourage them from getting any financing or banking with 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 non-monetary relief
Consumer complaint received 2022-05-13
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX of 2022 I made a XXXX payment of {$300.00} through my Chase mobile app that money has not been received I made a similar payment to the same recipient the day before that was received and I made a subsequent payment the day after to the same recipient that was received. The XX/XX/XXXX payment was not received. Chase is telling me that the recipient received it and that he needs to call his bank he has not received that payment and now I don't know where my {$300.00} is. I contacted both Chase and XXXX and they will not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Shared personal information Accounts closed/ charged off then opened again Keeps reporting accounts as delinquent when accounts have been closed for years

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 2016-05-09
Company: Paramount Capital Group, Inc.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
this was a old loan which was taking off my credit score two months ago, Paramount Capital as of this past Friday XX/XX/XXXX done a hard hit credit pull on my credit which is against the law, I did n't give permission and had no knowledge of this till I checked my credit.Paramount stated they would do what ever it took to get it back on XXXX which is also against the Federal law.once it 's removed from credit scoring it CANT be put back on, so Paramount done this to damage my credit.I want this removed completely or I will seek legal actions. for I have NOT applied for credit with this company since XX/XX/XXXX.Paramount has over stepped on a old debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22
Company: CITIBANK, N.A.
State: AL
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:
XXXX XXXX sent two XXXX to an address where I didn't live on approximately XXXX. I never received the phones and XXXX verbally has stated phones were returned by XXXX XXXX & apologizes every time I call. However the have kept billing my credit card for them. Citi Cards visa by Costco responded to my dispute several times and has ruled in my favor only to have XXXX resubmit the charges repeatedly every month now for 5 months. The charges are for {$910.00} and {$960.00} each. XXXX has changed the story in last 2 months saying the returned phone boxes were empty and therefore someone probably stole them. Citi Cards keeps rebilling my credit card inspite of no change in evidence and inspite of many phone calls from me complaining that this is now at a fraudulent stage. They are favoring the merchant over the customer wherein the crime has been committed by the merchant. My story has not changed and I have spent many hours over this fraudulent process. I can litigate against XXXX which will be my next step. However, I expect my credit card company to support me when I am not at fault. This has been going on for 5 months and must stop. Let the XXXX XXXX come after me if they feel that I am wrong and make their case. XXXX and Citi Cards have written documents from me in this 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 non-monetary relief
Consumer complaint received 2020-04-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XX/XX/XXXX CFPB XXXX USAA Indicates I COMITTED A CRIME REPORTING RETURNED ITEM AS FRAUD XXXX XXXX {$120.00}. See attatched XX/XX/XXXX statementt XXXX XXXX {$120.00} was paid by merchant BALANCE AFTER XXXX XXXX IS SUBTRACTED IS THE {$470.00} I REPORTED AS FRAUD AND NO IT DOES NOT INCLUDE THE XXXX XXXX. USAA REPORTED THIS TO CRAs and CFBB. AND REFUSES TO CREDIT WITH THE PERMANET CREDITS I WAS DESERVED XXXX. I HAVE BEEN HELD LIABLE FOR THIS FRAUD SINCE XX/XX/XXXX. Furthermore See attatched FRAUD CLAIMLETTER XX/XX/XXXX claim date XX/XX/XXXX {$470.00}. Confirming Temporary credits were made Permanet. See attatched XX/XX/XXXX statement. THERE ARE NO TEMPORARY CREDITS TO REMAIN PERMANET. This took a year to complete the investigation. USAA HAS SLANDERED MY GOOD NAME. AND DID NOT MAKE PERMANET CREDITS OF {$470.00} IN XXXX. I DEMAND USAA CLEAR MY NAME *** USAA READ YOUR OWN TRUTH IN LENDING STATEMENT. XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States that have the right to privacy.

15 U.S.C 1681 Section A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 



in accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States that have the right to privacy.

15 U.S.C 1681 Section 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 2021-12-22
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
To whom this may concern i want to inform your office that you are in violation of FCRA and FDCPA. You have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. 

You are reporting the following collections as an " OPEN ACCOUNT '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATION. THE CREDIT REPORTING AGENCIES AS FOLLOW : EXPERIAN, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681- Congressional findings and statement of purpose ( 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 ( 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 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 2020-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
There are items on my report that are not mine. Ive sent a dispute and lawsuit is next.

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 2021-12-22
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, I called in to request a payoff statement it was promised that I would receive it within one day However, call back on XX/XX/XXXX several times and stated that it had to be resubmitted and informed the agents that it was very urgent that I received the payoff of {$180.00} to expedite our closing which is this week. I believe that I'm being discriminated against with receiving the document to pay off the account for {$880.00} which was agreed to on the phone. It should not take that long to produce a payoff statement even if an account was written off I believe they are purposely discriminating because they know that we are attempting to close on our mortgage It is another attempt to discriminate against XXXX XXXX and US veterans I have called several times but received no answers and have been missed treated in the process as well as verbally abused because I called in to request the document and expedite the document. XXXX informed the customer relations department that they could not release the document until after 24 to 72 hours If it is an urgent matter, why would The collections department withhold my receiving the payoff settlement document today There are always exceptions to the rule of processing documents It is ruthless and malicious, especially when they were aware I am a XXXX XXXX female is attempting to close on their home. This is a vicious malicious discriminatory, Biased and a form of housing discrimination when you know one is attempting to close on their loan. I have still not received the email regarding the settlement payoff For {$880.00} which was agreed to XX/XX/2021. 

If a lawyer had called it would've been released.

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 2020-04-14
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I made a {$500.00} payment that posted XX/XX/XXXX to my Best Buy Credit Card. I noticed recently, when I checked my credit reports, after I made my Best Buy credit card payment, that my card was reported closed on all three credit reports. I called numerous times to try to get a hold a customer service at Best Buy and was able to get a hold of an actual person three times, but they were all unable to explain or inform me as to why my card was closed and kept telling me to call back, even though they were aware of how many times that I had already called and I informed them of the impact it would have on my credit score and that I was having difficulty getting through to speak to anyone.

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 2021-12-22
Company: EQUIFAX, INC.
State: FL
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:
Im a card holder on an account with XXXX that I pay monthly. The account # XXXX with {$200.00} credit limit not much to others but a lot to me. I pay monthly on this account and Equifax is not reporting this account closed, this account very much open and I would like it to reflect on report please help me thanks we all know how Beneficial and important payment history is to credit I would like to this to show please help me thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
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:
I continuously received bill in the mail that I was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. I got my report back and I was furious with the amount of items on my report that I know do not belong to me. Please remove these items off my credit report. 

XXXX XXXX XXXX {$9900.00}

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 2016-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was scammed by an individual who was offering me employment, and sent me what later turned out to be a fraudulent check for equipment purchasing. Equipment that I would be using for the job he offered me. I deposited the check in my Bank of America Checking Account at the counter. There was a hold placed on the check for 4 days. So I notified my " employer '' that I would n't be able to purchase the equipment until the check cleared. One day before the end of the hold, I attempted to login to my online banking through my phone. It said that online banking was n't available to me. So I called the help line provided, only to discover that my online banking had been closed by order of the risk department. I asked to be transferred over. After being transferred to the risk department I was asked to give my social, name, phone number, and passport number or my account number. Finally, they told me that all my accounts were in the process of being closed. They told me that the reason for this is that I had deposited a fraudulent check. I asked if there was aything I could do, and the only thing they said was that I could write a letter to some PO Box in Florida. So with no prior notification or communication of any of the issues plaguing my account, they decided to close it. I did not even merit an email saying that they would be closing my account. My issue is that I was n't even notified of any fraudulent activity nor was I notified that they were closing my account.

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 2021-12-22
Company: CrossCountry Mortgage LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
With lies, XXXX XXXX is taking advantage of the fact that I am a XXXX with little English, he wants me to sign an agreement telling me that it is " only about the review you made on XXXX '' 1-The closing on our lot and and the construction loan were supposed to take place at the same time ; however, the date of the land closing arrived and the agent for the lot seller contacted me to let me know that they had not received any documentation from Cross Country Mortgage. Off course the seller did not want to give us more time to postpone the closing because it was all due to the incompetence of our loan representative with Cross Country. After requesting urgent conference calls to try to resolve our situation, we were finally able to get on a call and all this lady did was say " Sorry, I apologize I did not read the clauses on the contract to buy the land ''. On the other hand, she tried to ask the seller of the land if we could postpone the closing for an extra whole month. The seller of the lot obviously said No and we had to end up.preparing everything for closing in only three days ; plus, we end up paying additional money out of our pocket for this closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Shared personal information Accounts closed/ charged off then opened again Keeps reporting accounts as delinquent when accounts have been closed for years

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
I have several credit inquires on my credit file that I do not recognize. I sent letters and emails to all the creditors listed below to have these inquires removed from my account. I have also disputed them through XXXX. These creditors have refused to work with me to resolve this issue and XXXX has not been able to help as well. I did not authorize or give permission for these creditors to pull my credit. Capital One Auto Finance ( XX/XX/2021 ) XXXX XXXX  ( XX/XX/2021 ).

Company response to consumer: Closed with explanation