BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This is my XXXX complaint about Bank of America. This is a copy of my last complaint : " This is my XXXX complaint about this mortgage. Account number XXXX BOA has attached escrow services to my line of credit. I pay my escrow through my primary mortgage. I have sent BOA a plethora of documentation for years stating my primary mortgage XXXX collects my mortgage. I would like some assistance please. They are telling me I am behind in my mortgage. My payment is XXXX a month and I have paid {$4500.00} to date for this year ''. 

A representative called me and said she would get back with me in 30 days. I have not heard anything. I pay an escrow on my primary mortgage. BOA wants me to pay XXXX escrows. I am redoing this complaint just to have a record. This has been an absolute nightmare. I am enclosing a statement from my primary mortgage to prove that I pay escrow. 

That response looks like it was copied and pasted. It has nothing to do with my complaint. This IS UNNECESSARY STRESS AND I NEED TO BE COMPENSATED. I am also sending a copy to BOA executive offices to put them on notice.

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 2021-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card
Issue: Arbitration

Complaint:
i was in need of dental work my credit is not that good so i was offered care credit they gave me the credit, but i only had 12 months to pay it off, every time i had more work done they did not extend the grace period it was added to the bill making it to expensive to pay off. they are crooks i called them they do not care

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 2021-11-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021 my XXXX account, which is linked to my Chase debit card checking account was charged in the amount of {$810.00}. This was an accidental purchase. I had been browsing concert tickets for curiosity sake. It was never my intention to buy them. Later that same day, I noticed an email from XXXX with a purchase receipt from XXXX. I was shocked because I never made the purchase! I immediately contacted XXXX  to see how I could reverse the transaction. I called XXXX  various times but never got to speak to a person. I received an automatic reply email from XXXX. I had emailed them stating that I did not make the purchase and asked what I needed to do to get a refund. On the automatic reply they did not provide further instructions just generic information about timelines for refunds. I decided to contact my card issuer, Chase Bank and dispute with them since I was getting nowhere with XXXX  directly. Chase made my funds available immediately. I no longer worried about it. This morning, on XX/XX/2021 after the concert had already passed, Chase denied my claim and put the charges back on my debit card account. I called Chase who told me there was a process to follow with XXXX and I needed to go through them. XXXX customer representative are IMPOSSIBLE to get a hold of. They never responded to my initial attempts to contact them about the issue. Now I am being held responsible for {$800.00} dollar concert tickets which has already passed. I'm not in the position to pay this amount for concert tickets. I did not make this purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Experian are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct so why are they asking me for proof. In the results of there investigations, they stated in writing that they " verified '' that these items are being " reported correctly ''? Who verified these accounts? Experian have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A XXXX & Section XXXX ( a ) ( XXXX ) ( A ). Furthermore Experian have failed to provide the method of verification as required under Section XXXX XXXX a ) ( XXXX ). Please be advised that under Section XXXX ( XXXX ) ( A ) of the FCRA - Experian are required to " ... promptly DELETE all information which can not be verified. '' Experian has violation all of my right. enclose is a copy from XXXX and they or I could get these account that Experian said they verify. 
account name : XXXX account number:XXXX account name ; XXXX XXXX bank account number ; XXXX account name ; XXXX account number ; XXXX account name ; XXXX account number ; XXXX account name ; XXXX account number ; XXXX Please send all papers and my signature to me on these accout, enclose is proof that they are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: CITIBANK, N.A.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Citibank sent my new Citi Priority Debit Card ( CPDC ) to a non-address in XXXX by omitting the last digit of my house number in my mailing address. And my mailman did not ask if anyone in my row of townhomes was expecting an evelope from the US. 

As a result, my new CPDC was returned to the sender and subsequently destroyed. 

My mailing address had been entered incorrectly or changed in my account without my permission, as the email sent by Citibank informing me of the imminent arrival of my new CPDC was full of abbreviations, a shortcut that was not my doing as my communication with Citibank service representatives on XXXX shows. 

Moreover, the change mailing address feature in my online account has been disabled for some time. 

In order to have another CPDC sent to me, Citibank required that we go on the phone. 

We did just that and Citibank proceeded to have me fail their personal question test, because the service representative asked me for an " alias '' which I might had used when opening this joint account instead of for the name of the co-holder, who is my father. 

The confusion threw me off, and I told the representative I had heard what sounded like the mentioning of my father 's name at the end. When pressed for an answer to a possible " alias '' used, I could only say " none of the above ''. 

I was told that I had failed the personal question test. One strike against me, and I was out. 

I would like to add that several of the multiple choices provided for the " alias '' I was asked to choose from, were poorly pronounced XXXXsounding names. 

I ask Citibank : Where is that training for cultural literacy and an end to racism? I expect a well-known American multinational financial services provider to be more professional. 

PS : I have attached XXXX ( XXXX ) screenshots of evidentiary materials to support my case. Attachments # XXXX show our communication on XXXX and an email from Citibank ; XXXX # XXXX shows my expired CPDC.

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 2017-02-03
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have XXXX accounts that is fraudulent : XXXX XXXX mastercard and XXXX mastercard. I have requested a signed original credit application with my signature. I have not received the credit agreement with my signature as requested. These accounts have not be validated nor verified properly. This accounts is damaging to my credit score and I want them removed.

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 2021-11-25
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I bought several different crypto currencies from paypal. I had a seller and buyers dispute that I filed a complaint about during covid19 because paypal and XXXX had poor customer service. Specifically during this period there was no telephone support. I filed XXXX  and cfpb complaints to get answers. Paypal got angry and retaliated by advising they would be closing my accounts. Additionally they said I can not use paypal. They refuse to refund me my cryptocurrencies that have since increased in value. I am pretty sure both cancelling my account and holding the cryptocurrencies is illegal. I also did not receive any tax documents from paypal for this yet and is also illegal for them to do. Please assist me in holding paypal accountable for the held cryptocurrency issue. I had cryptocurrency for both my business account under email XXXX and my personal email : XXXX. they allow seperate accounts for each. They close all these accounts and another personal account XXXX. i expect a list of all cryptocurrency transactions mailed to me for taxation purposes. I also want the company to give me back my cryptocurrency holdings on all accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Ive disputed inaccurate information multiple times with all bureaus to get the same result the two bankruptcys on my report are totally inaccurate and need to be removed immediately.Where is this information being verified? Between all bureaus the information is different names and reporting dates .Being said this grounds for removal per FCRA! Please Remove 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 2016-10-25
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Late fee

Complaint:
I attempted to pay a closed account through online payment 15 mins before their XXXX ET deadline and could n't get through to their website. At XXXX ET, I was able to login and pay and was still assessed a {$37.00} dollar fee. It is the second consecutive month where I was assessed this fee after paying minutes late due to login issues. All correspondence via phone with BarclayCardUS have been hostile saying that there were no issues and that no screenshots that I sent them would be accepted because there are no problems on their end.

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 2016-11-21
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have sent many of the same and to date, not a thing has been done. I am now wondering why these governmental agencies are put in place if they do not help the people. Let me try again. Perhaps I will reach someone with integrity who is astute enough to make the necessary corrections. Experian credit bureau is totally 100 % out of compliance. The statue of the credit bureaus negligence should be enforced. I have in my possession a copy of the disputes and the items that were deleted. Experian for some reason wants to put these items back on my report. My intelligence and the statues of the FCRA and FTC states that can not be done. Once an item is removed, it stays removed. Can someone please answer me and tell me why these items have allegedly come back out of an investigation and they now remain. For your viewing pleasure, I have attached a copy of the documents sent to Experian. Being the the CFPB does n't do much, I am not confident I will receive resolution by filing a complaint here. Every complaint in the past with which I know other people in the general public have complained about to have gone unanswered or ignored. The accounts in dispute are the same ones that have been in dispute since XXXX. Also, Experian changed the date of my fraud alert and freeze alert from XXXX to XXXX! I believe I made a complaint in regards to the same and yet again, nothing has been accomplished. I is the worst thing to deal with a government agency that could care less about the citizens of America. Evidently, with the latest events being the election, it can only get worse. My complaint is with Experian credit bureau, items that were previously deleted are now showing again. They have been provided documentation that they are lying and saying they never received. I mailed them and also e-mailed them. I am not confident that this will remedy the situation. I have filed complaints about XXXX XXXX XXXX which were 100 % ligament complaints referencing all the money stolen from my personal bank account. A package was mailed as proof the the CFPB ... ..Nothing got resolved. The OCC decided they would n't take my evidence into consideration whatsoever. It 's all about the corruption in the government entities. In every aspect. XXXX stole thousands on top of thousands as well ... .Again, nothing done. I know for a fact several people have filed complains against all XXXX of these companies and of course nothing enforced. I often wonder why statues are made. They in no way take precedent over anything! Experian needs to fix my report immediately and provide a new report. I also request my freeze lift code and they never mailed it to me. America ... land of the free and home of the brave ... ... not in my world

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 2021-11-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I FILED A REPORT WITH CONUSMER FINANCE GOV AGAINST BOA. 

BOA OF PATHETIC ATTEMPT AT ANY SORT OF COMPLIANCE WITH THIS ORGANIZATION IS LAUGHABLE. I RECEIVED 1 CALL AND A CALLBACK NUMBER. ICALL THE CALLBACK NUMBER. IT DOES NOT HAVE ANY PROMPTS TO CONTACT BOA EMPLOYEES IT ASK FOR A XXXX DIGIT EXT. THE EXT LEFT ON THE XXXX DOES NOT WORK AND I HAVE NO WAY OF CONTACTING THEM. 

THE ENTIRE THING IS A JOKE. A FAKE SYSTEM SET UP TO MAKE THE APPEARANCE THAT BOA IS ACTUALLY ATTEMPTING TO COMPLY WITH FEDERAL REGULATIONS I HAVE THE VOICMAIL SAVED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EQUIFAX, INC.
State: NY
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 a XXXX XXXX on my credit report. I have disputed many times with the credit bureau and ask for verification that this debt belongs to me, All the credit bureau sends back is payment history which I did not ask for that. I ask for what is the method of verification the credit bureau has been using. How did the credit bureau determine that this debt belongs to me without no verification. 

This charge off collection is reported completely under a different name that is attached to my credit report. My full name is XXXX XXXX XXXX. I want this charge off to be removed. The credit bureau also went ahead and close a charge off account

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After reinstating my loan with Flagstar Bank in the amount of {$89000.00}, which was obtained through the law offices of XXXX XXXX, hired by Flagstar Bank, stated that this would bring my loan current. This amount was paid with cashier 's check on XXXX XXXX, 2015. I made my next mortgage payment of {$5300.00} for XXXX ; however, on my XXXX mortgage statement it shows additional fees of {$1200.00}. I called Flagstar and inquired about this and I was told that Flagstar does not have to disclose additional internal fees in the reinstatement fees. This is totally unethical for a lender. We as borrowers assume that the reinstatment fee is it and we have for-filled our obligation in good faith and then the lender imposes additional fees, at their discretion, after they stated that a certain amount will clear our past due obligations and bring all monies current. This practice needs to be scrutinized by the federal banking regulator bodies to stop this in the future. When XXXX is told that this amount will reinstate the loan to a current position, that should be it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am XXXX XXXX and I am submitting this complaint myself. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Transunion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : ( XXXX LT XXXX )

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: EQUIFAX, INC.
State: NY
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 am XXXX XXXX and I am submitting this complaint myself. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : ( XXXX XXXX XXXX, XXXX XXXX XXXX )

Company response to consumer: Closed with explanation