BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
Bank of America is one of the worst companies i dealt with. First of all there is no way on contacting them about the claim. I submitted the contract to them, something they asked for and they did not respond to me yet about that. Also they send me a letter saying that quote " The merchant indicated that they had to save you as you had taken the boat in the water too far ''. Can you please tell me what a XXXX is that? How you can take XXXX dollars from you account because somebody said this and said that. Unbelievable unprofessional behavior from a Bank like this. It looks to me that they don t want to bother looking for answers and defending their own client, since its me that has to pay all the money. I would like full investigation and return my money on my account. This is not a game and you can not take me for XXXX  sending this childish explanation.

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 2022-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Inquiries and Personal Info : I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My information on my BOFA account was compromised on XXXX at approximately XXXX and XXXX in the amounts of {$500.00} and {$700.00} respectively. I immediately called the Fraud department at BOFA at XXXX and was told that the transaction ( s ) had already gone through ( Via XXXX ) and I couldn't do anything about it.They told me to call back Monday morning. 

I called back Monday morning and opened a fraud claim. They told me they would put a freeze on my account and to change my online password and online name. They also told me to close my accounts. I logged in and changed all of the info. I also went to the bank the next day and closed down my old account and opened a new one and transferred everything across. 

I also changed all my direct deposit info and such. 

I then get a letter saying my claim is denied because my the money was sent from my log in. I called them back and told them I did all that they wanted me to do and why would they deny it? They said they would allow me to appeal it. 

I have been with BOFA for 25 years and have a significant amount of money in the bank with them. Has anyone experienced this? Is there anything else I can do? If they deny it again ( which I am sure they will ) then I will be forced to close my account and bank with someone else. 

Do I have any options? 

XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I was contacted through XXXX  app regarding work at XXXX XXXX XXXX  position .I was requested to download the XXXX app because that what job requested for communication, a check was sent for XXXX but wont be clear until XX/XX/XXXX XXXX.Than on XX/XX/2018 for XXXX and I deposit to my bank acc that same day to me so I could purchase XXXX gift card and send pictures of the gift cards that will purchase the system I will need I connected to hangout regarding this and they to speak to supervisor and they reassured its common practice so I did what I was told too.But than by XX/XX/2018 my bank account was close because XXXX check didn't clear out and now I had pay the money back to the bank.I call back the supervisor phone number no response than contacted on XXXX I was block that's when I knew it was all fraud.

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 2018-05-24
Company: JH Portfolio Debt Equities, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Motorcycle was purchased in XX/XX/XXXX with a credit card. Payments were made for about a year. Things went bad and I lost everything I owned. Motorcycle was never repossessed. I moved away from North Carolina in XX/XX/XXXX. A judgment was filed and I was not aware of this as my mother signed the paperwork. I did not return to North Carolina until XX/XX/XXXX and then I was a XXXX XXXX until XX/XX/XXXX, so I knew nothing. On XX/XX/XXXX, paperwork was served and my mother signed again without my knowledge. Fast forward to now, I am clean, working and wanting to buy a house. When the mortgage company ( XXXX XXXX ) pulled a fraud report, they found I had a judgment against me. I contacted JH Portfolio Debt Equities ( understanding they purchased this debt from XXXX XXXX ) and for 2 months JH Portfolio would not give me ANY information. They would not even tell me who to contact. A friend told me I should contact the attorney who is XXXX XXXX XXXX, of XXXX XXXX   XXXX, XXXX, who was handling this judgment. I made an offer of {$2500.00} and it took three weeks for the attorney to get back in touch with me. I was told they would take {$25000.00}. I offered them {$3000.00} four weeks ago and I still have heard nothing from XXXX XXXX. I was told NOT to contact them, they would contact me. I am unable to purchase a home until this judgment is handled. I don't know what else to do to get this resolved.

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 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
To whom it may concern, On a recent review of my credit report, I discovered XXXX  XXXX XXXX reporting the collection account referenced attached. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein.

I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.

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 2022-02-18
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
XXXX XXXX is violating my consumer rights and federal law. 
On XX/XX/2022 I was denied an extension of credit by XXXX XXXX. On this date, I completed an online application for their student private loans in the amount of XXXX. As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant XXXX XXXX XXXX XXXX ( XXXX  ) and XXXX XXXX assume civil liability pursuant XXXX XXXX XXXX XXXX ( XXXX ). XXXX XXXX has violated my federally protected consumer rights : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Since the email and text messages XXXX XXXX sent me dated XX/XX/2022, XX/XX/2022, XX/XX/2022, are both proof and evidence that I have been discriminated against, XXXX XXXX is also criminally liable. I also called on XX/XX/2022 to clarify the reason for this " denial '' yet the representative kept saying it was not a " hard denial '' and I need a cosigner if I want the " loan ''. 
XXXX XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: WELLS FARGO & COMPANY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I am living in XXXX but worked 2 months at the University of XXXX in 2011 and opened a bank account at Wells Fargo that time. I have about {$800.00} in my account and requested a credit card to get access to my money. The bank refuses to send me the card to my home address ( although this is the address they have in file ) and the only option they offer to get access to my money is that I should personally visit a branch. Of course the time and cost for travelling from XXXX to USA is  more than {$800.00}, so it is impossible in practice. They state that they can not verify my identity otherwise and rejected my suggestion that I will scan my ID or proof my identity otherwise. Thus, Wells Fargo do n't offer me any way to get access to my own money.

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 2019-08-02
Company: U.S. BANCORP
State: AL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Car was total loss in accident on XX/XX/XXXX. US Bank claims we had a late payment at some point, yet they can not give us specific dates of this late payment. US Bank is continuing to report to credit bureaus as late payments when myself and XXXX XXXX ( the insurance provider of the person at fault ) has told them they have sent payment instead to documenting accordingly. Please advise!

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 2022-02-18
Company: Experian Information Solutions Inc.
State: MI
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:
I XXXX XXXX, ( DOB ) XX/XX/1989 HAVE SENT MUTIPLE FAX REGARDING THE INCONSISTIES WITH MY BIRTHDAY AND ADDRESS, IM REQUESTING THAT MY BIRTHDAY BE UPDATE TO XX/XX/1989 AND MY ADDRESS TO BE UPDATED WITH XXXX XXXX XXXX XXXX XXXX MI XXXX, I WILL LIKE TO VERIFY MY INDENITY WITH XXXX, XXXX, EXPERIAN WITH BOTH UPDATE ITEMS THANKS IN ADVANCE ... .ALSO XXXX XXXX XXXX XXXX MI XXXX SHOULD BE DELETED ....

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 2021-04-15
Company: Experian Information Solutions Inc.
State: IL
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 contacted Experian to remove XXXX late payments that were unlawfully added to my credit report by XXXX XXXX XXXX. When these late payments were added to my account I had received an accommodation from the car finance company due to the impact of COVID. According, to the Cares Act if a lender extends the consumer an accommodation ( deferral of payments ) which I received the lender should only report a current standing. Due to this reporting error my credit has been tremendously impacted.

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 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
These companies unfairly and illegally place incorrect items below on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-08-28
Company: Franklin Collection Service, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am filing a complaint against FRANKLIN COL because they are attempting to collect a debt that I do not owe them. Account Name : FRANKLIN COL, Account Number : XXXX I would like for FRANKLIN COL to removed the above account from my credit report because it has already been paid. This incident has been very detrimental to being able to obtain a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Hello. 

I am filing this complaint due to an issue with the promotional bonus on a CitiBusines XXXX credit card not being honored. The promotional bonus was XXXX XXXX miles if {$3000.00} in spending is completed within the first three months. The spending was completed as required and Citibank is refusing to honor the bonus stating that it is only available once every 24 months. I can confirm that there was no restriction on this application stating that this bonus was only available after 24 months. 

I sent a secure message about this but there was confusion because they claimed I was already provided the miles on XXXX/XXXX/XXXX. However another representative looked further into this and was correct in determining that those miles were provided to my account due to an error on another card account ( ending in XXXX ). So to be clear, they finally honored a bonus they were disputing on another credit card account, but made it clear that they could honor this one with evidence regarding the promotional bonus. So, they then requested evidence that my current account number ending in XXXX had a bonus associated with it. Including the request Please send a copy of the front and back of the offer you received on your Citi Business American Air World account ending in XXXX. 

This request for front and back does not make sense, however. There is no front and back of an offer. This was an online application link that was not related to a mailed offer. Below is full link that was used at the time : https : //www.citicards.com/cards/credit/application/flow.action? XXXX & XXXX & XXXX & XXXX & XXXX The evidence I can provide are screenshots from my application. It is clear that they do not show any language relating to the bonus not being available within 24 months of any AAdvantage card being opened or closed. 

I already faxed this dispute directly to Citibank with evidence on XXXX XXXX, XXXX and have received no response. On XXXX XXXX, XXXX I sent this same dispute by mail and in almost a month have received no response. So now I am forced to file a complaint with the CFPB regarding this issue. 

Thank you for looking into this and your prompt response.

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 2017-09-05
Company: EQUIFAX, INC.
State: MO
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 send Equifax several letters disputing inquiries that I did not authorize. For the following companies : 1. XXXX-XX/XX/XXXX 2. XXXX XXXXXX/XX/XXXX 3. XXXX XXXX-XX/XX/XXXX 4. XXXX XXXX XXXX-XX/XX/XXXX 5. XXXX XXXX XXXX-XX/XX/XXXX. 
The last letter send certified with tracking number XXXX in which was received XXXX XXXX by Equifax and they have ignored my letter. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and serious breach of my privacy rights. Equifax has failed to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry in the absence of any such documentation bearing my signature I requested the fraudulent inquiries be immediately deleted from the credit file that is maintained under my social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-28
Company: Fay Servicing, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Fay Servicing. 
My XXXX payment online stated {$1600.00} I however could not make a payment online or over the phone. I had to make it with a representative who confirmed verbally that my payment was indeed {$1600.00}. I paid that and waited for the online problem to be resolved. 
I checked my account online a few days later and it showed my XXXX payment had not been received and was still reporting I owed {$1600.00} for XXXX. I called XXXX and spoke with XXXX who stated the rep who took my payment a few days prior had applied the payment wrong and XXXX said she fixed it and my online issues should be fixed. That was on XX/XX/XXXX. XXXX told me to give it 3 days and everything should be reporting correctly. XXXX also told me my next mortgage payment was only {$660.00} and was not due until XXXX. I told her that can not be correct, our mortgage was ending its modification and the payment in no way shape or form was only {$660.00} for XXXX. 
Then, I received a statement in the mail dated XX/XX/XXXX showing that I had an overdue payment of {$660.00} and a regular monthly payment of {$660.00} with a fee of {$410.00} totaling {$1700.00} due for XXXX. So I go online and the payment reflecting for still XXXX is now {$2300.00}. The XXXX payment was changed in the middle of XXXX. So I call again and am told {$2300.00} is my new mortgage payment after the modification and I owe {$650.00} to get XXXX current. I asked both XXXX and XXXX how my XXXX payment was not current online or on the statement mailed to me and who changes a months previous payment amount. I paid what was online and what the representative stated I owed when I called. I even put an extra {$100.00} to the principal. 
So, we now have to scramble to come up with an extra {$660.00}, that we would not have even know about had I not checked myself, and my fear is we are going to now be marked late because I won't have that extra money in my budget until the first week in XXXX. 
I am applying for another modification and have been trying to refinance with Fay through a rep who ran our credit reports but I have not heard back from. 
Changing the amount due though does not seem honest or ethical when the change happens a full month later.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Check from tenant rent of {$870.00} deposited into Bank of America ATM XXXX/XXXX/XXXX Drawn from XXXX Bank XXXX banks located in MA XXXX on HOLD until XXXX/XXXX/XXXX by XXXX XXXX XXXX XXXX states " paying Bank information indicates item may be returned '' This information should have been given prior to completing this deposit I would have cancelled the deposit and gone to paying bank for cash or informed tenant I now have {$870.00} virtually seized for at least 10 days without any warning and can not discuss this with tenant until this issue is resolved If I do not act quickly there will be all types of overdrafts from using these account If the ATM can act this quickly to hold funds it could inform me prior to completing deposit

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