BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My Bank Of America account information was stolen and they bank contacted me about it, soon after I had called to cancel my account due to fraudulent unauthorized activity on it, I was told by the representative that the fraud charge was credited back to my account and that I would be receiving a check in the amount of XXXX cents ( That 's all I had left in my account due to emptying it ahead of canceling ) About a month later I received a notice in the mail that my account was overdrawn by almost XXXX dollars so I called and got transferred to XXXX agents none of which would help me. I recently got a refund in the amount of XXXX dollars credited back to my account and it went into the bank of america account which i have no access to, when I called to advise them of that I again was unable to be helped. I have continuously called since then when I have the time to sit on hold forever to reach someone. Today I called again and reached an agent that again said he was unable to help me and transferred me to a number that was unavailable. So again, I 'm stuck with no one to help me and am very frustrated. I have spent hours of my time trying to get this problem dealt with and Bank Of America has done nothing. I was a valued customer right up until I called to close my account and now i 'm stuck with this issue over my head. I need the bank to credit the fraud charge like they told me they did and issue me a check for my XXXX dollar refund. They also cut off my access to view anything on the account through online banking when i called to cancel about 3-4 months ago so unfortunately I have no way to document 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 explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX XX/XX/2022 I filed an Experian credit dispute requesting the Creditor provide documentation validating the reported debt on my credit report. The creditor failed to respond to me or provide the requested documents to Experian. 

Experian Failed to investigate, and came back a week later with no investigation or resolution and closed the dispute. 


Experian refused to process a 2nd and 3rd dispute request on the issue. Creditor failure to provide documents to validate the claim being reported. Experian failed to investigate the claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
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: Personal information incorrect

Complaint:
To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 
Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On the XXXX of XXXX via Paypal I transferred money to my sister. I transferred twice since the first transaction was not recieved to her. The first time I transferred using her phone number the second time with email address. The second transaction with email went through fine was recieved to her. The first one using her phone number was not recieved on her Paypal. Though both transactions were taken out of my bank account. So I got charged both times. I don't know where the money using her phone number went if I was charged but doesn't appear on her PayPal. I had such a hard time transferring that I just opted to giving her cash. She was able to transfer me back the payment sent using her email. But not the one using her phone number. I am just so frustrated during this time with Covid 19. I can't afford to not knowing where the money that was taken out of my bank account is. If it's not in my sisters Paypal. I have never had a bad experience with Paypal til this. I want to be safe and open a complaint before it's to late since I have XXXX to be able to issue a cancelation or refund. I am working with my bank institution. But I was to get all the help I can to get my XXXX dollars that I don't know where they ended up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Item purchased at whats was supposed to be XXXX XXXX XXXX that belongs to sears at XXXX XXXX XXXX XXXX XXXX  il XXXX to find out this is not sears. I used my sears credit card on this purchase but i never received the item. they could never deliver it when I set time to be at home, I have not received anything so i cancelled order. But I have paid my sear credit card for the item in full. I cant get my money back from the credit card or the store when they have not and did not deliver the item and i cancelled the order and paid for delivery. I have called multiple times and have faxed requested documentation and was told it was received and still issue not resolved for paid item that i did not receive

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I am XXXX years old and graduated from XXXX XXXX University in XXXX of 2011. I have been struggling with student loans since I graduated. I had to move back home in order to pay the extremely high monthly payment. I have cut every cost possible, I even avoid going to the doctor or dentist if at all possible. There are no other costs to be cut except for gas and food and I need to eat and I need to drive to work. My car recently broke down and was unable to make all of the payments on it because my student loans cost so much. I have called Navient multiple times trying to resolve this issuing stressing my financial hardship. How when my car breaks I ca n't afford to fix it, when I 'm sick I ca n't afford to go to the doctor ... it 's no way to live. They offer to " help '' me with an interest only payment plan or extending my loan another XXXX years so that way I can pay even more money on my XXXX, XXXX, 11 % interest loans. I declined these offers to " help '' because they are no help at all. I stress the fact that I want to remain a good borrower but I am unable to live life and fix my car let alone go to the doctor for my own health because I can not afford it. I was lied to by being told I have to be late with payments to be eligible to lower my interest rates. Then when I asked multiple different representatives what hardships one who qualifies for the reduced rate program must face I was never given a response and told they can not discuss that with me. As I cried countless times on the phone and asked to speak to someone who can help me and not talk down to me as if I was an idiot I was either given nasty responses or hung up on. I can not go on like this. I want to work with my lenders but they are refusing to work with me and at the very least treat me like a person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Bank of America is holding an XXXX paycheck for more than 10 days simply for processing. There is no question of the validity of the check, its source or any account disputes that need to be resolved. They are simply holding the money that I earned hostage and now I am not able to buy XXXX for my family. These banking procedures are antiquated and preposterous. I will pull all of my money out of the U.S. banking system and keep everything in cash because I am so tired of my money not being available to me when I need it. BoA has the same procedures that many other financial institutions do and I have completely lost faith in the system. I want to be able to use my money when I receive it.

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 2020-06-15
Company: Experian Information Solutions Inc.
State: TX
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: Was not notified of investigation status or results

Complaint:
I have attempted to contact XXXX, Experian and XXXX. I have sent mail since XX/XX/XXXX and have yet to get any documentation on the investigation results. My personal information and credit report have so many inaccurate information. It has been past the 30 days and yet to be fixed. 

As per The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I have been violated and remedy asap. 

This section of the FCRA was amended by 602 of the Economic Growth, Regulatory Relief, and Consumer Protection Act ( P. Law 115-174 ) effective May 24, 2018. 

I will attach discrepancies below

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 2015-12-07
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit card
Issue: Other

Complaint:
Wells Fargo has allowed incompetent employees to essentially force someone who is suffering from XXXX into a personal credit card with a rate XXXX points higher than the previous BUSINESS credit card he was attempting to transfer to a new BUSINESS credit card with Wells Fargo. The agent made the application for a personal credit card in mistake. In fact, the balance transfer was from a BUSINESS CREDIT CARD ( which was provided ) and was intended to go to another BUSINESS CREDIT CARD with Wells Fargo. Once the mistake was brought to the banks attention they FAILED repeatedly to resolve the situation within a timeframe for which they had control. The branch employees and manger made numerous promises to reverse and fix the issue only to go back on their word, eventually telling me, " we have your signature '' after the window of opportunity to resolve the issue was gone. I have documented the steps that were taken by the consumer to resolve this issue and the amount of time already invested by a XXXX customer. The regional and national managers have done nothing whatsoever in fact the national office has never returned multiple phone calls. I have also attached numerous voice recordings, some of which are the manager speaking to resolving the issues and refunding fees which have still never been refunded. This is fraud and fraud of a XXXX person. If the bank continues to play this as " we have your signature '', our next step will be to take the story to the local news, and then small claims court. Be advised.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2022-07-21
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an update from XXXX XXXX that a new debt was added to my credit report. When I did my resareach I saw it was from XXXX XXXX for {$900.00} which is a light company in New York. I have resided in Florida since XXXX, therefore this light bill is not mine. When I contacted XXXX XXXX on XX/XX/XXXX, they stated the bill was under my name and my ex-wifes name but it was my social so only under my credit and it was from XX/XX/XXXX until XX/XX/XXXX. As I have not lived in New York since XXXX and have been divorced since XXXX, this clearly is not my bill and I did not authorize anyone nor did I give permission to anyone to obtain a light bill under my name. This was clearly my ex-wife and she should be responible for this. I was not aware one was even opened in New York. I informed the company this was not me and they informed me to file fraud on this wesbite. 
I also informed that that i never opened an account with them even when i was residing in New york.

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 2019-12-17
Company: MidAmerica Mortgage Inc
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was being serviced by XXXX, but then was sold to Mid America Mortgage on XXXX XXXX. I never received a welcome letter or notice of transfer of my mortgage. The only way I found out was calling XXXX to pay my XXXX mortgage. After paying the XXXX mortgage, I have seen no evidence of the payment going through. Now I am trying to pay my XXXX mortgage and have tried to contact Mid America numerous times through many different avenues. I've been on hold several times with the longest time being 3 hours before I had to hang up. I've sent emails that have gone unanswered. Their website is broken and I am unable to create an account, because I have no idea what my new account number is. I'm in the process of trying to buy another home and I do not want this to affect my ability to purchase the new home. All I want to do is pay my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01
Company: BB&T CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The XXXX XXXX XXXX is reporting I have late payments on the dates of XX/XX/XXXX and XX/XX/XXXX. I have not been late on the dates above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2019-12-17
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I applied for a credit card at a local SANs Club and received letter stating a wrong credit score-my current score is XXXX and paperwork says XXXX, I would line to know where they fit this number from!

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 2021-12-13
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Ive been attempting to dispute my credit report with the three bureaus for years since 2020. Proof is submitted below. This year specifically, they received phone calls, online uploads, and mail. Experian, XXXX, and XXXX have a been contacted through every method of communication. There have been no fair resolutions. This has caused severe almost irreparable damage. Defamation of character, invalid denials, withholding of employment consideration. There are monetary damages as well, thousands of dollars lost due to malpractice and unethical / illegal business practices under the FCRA. Their is possible element of racism as Ive been told by Experian that Ive lived in a risk area. Ive lived in communities that happen to be predominantly XXXX American and XXXX. Race/ethnicity should not play a role in my credit reporting. As a young XXXX my disputes with the credit bureaus are not taken as seriously. The evidence shows it as Ive tried disputing incorrect information for months/years. I get turned down right away, when Ive had a lawyer attempt to repair my credit from the firm of XXXX XXXX XXXX they have more success. They can only do as much I do in terms of credit repair. Experian states that anything a credit repair company can do I can do individually. Im unable to afford more attorney credit repair services as Ive already felt enough financial damage.

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 2021-12-13
Company: Bread Financial Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Hello, I received a call From XXXX services recovery that stated that charges were being brought for a Credit card fraud for a XXXX unpaid debt that is well over XXXX years old and had been charged off since XXXX. The telephone number given to me is XXXX. The file number given to me is XXXX and the date the account was opened ( according to her ) was XX/XX/XXXX and according to her charged off XX/XX/XXXX. I am aware that this practice is illegal and that the debt is no longer valid. I received a second call with a return telephone number of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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: Account information incorrect

Complaint:
I contacted XXXX XXXX XXXX, XXXX XXXX XXXX, # XXXX XXXX, IL XXXX on XX/XX/2022 because they reported my account as delinquent/pass due. My account is paid in full and because of this my credit score has dropped XXXX points. After contacting them and verifying that the account was paid in full and was not past due I was told to contact the 3 major credit bureaus for them to change the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited 3 checks from my employer, Bank of America placed delayed hold on the the largest amount amount of {$1000.00}. If they believed that check was forgilent than why didn't they place delayed hold on all 3 checks? These were Bank of America checks also from XXXX XXXX. When I finally got though to department who place delay on check I was informed reason was that I hadn't deposited anything this large in past month! This falls under the {$5000.00} threshold. When I informed Gentleman that this was now causing me financial difficulties as I will now be late with my rent, he lied to me telling me since I still had paper check I could go cash it while it was still processing though the account. From what I read on their XXXX page this happens regularly that they place delayed holds on wage checks. Seems that they are targeting middle income families. I have received checks from XXXX for over 13 year to said account and have been a XXXX account holder for 23 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 2022-07-21
Company: Experian Information Solutions Inc.
State: NC
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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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