BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-22
Company: M&T BANK CORPORATION
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:
M & T bank pulled a hard credit report on XX/XX/2022 without first alerting or asking me. Nor did they tell me after. I found out " only '' from an email from a credit reporting agency after they had already pulled it. When I asked the bank why they had done that without asking me, specifying it caused my credit score to drop several points, they said that it was 'normal ' to continue a loan process.

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 2021-12-14
Company: JPMORGAN CHASE & CO.
State: WA
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:
Hello, I would like to complain about Chase. I pay for a XXXX XXXX XXXX credit card, and this card comes with benefits such as a free XXXX XXXX subscription that allows its holder to visit airport lounges for free with 1 guest. 

On XX/XX/2020, my wife, our XXXX children and me visited such an airport lounge, as we do often. When visiting, I presented my XXXX XXXX card, as did my wife. In addition, our XXXX children should not have been counted, as they were respectively XXXX and XXXX XXXX XXXX. So we effectively counted as XXXX adults entering the lounge, while we showed passes allowing up to XXXX people to enter for free. This happened twice at the same lounge, on the outbound and return legs of our trip ( at the same lounge ). 

Somehow, the opposite happened : both times, the lounge staff let us in without telling us anything, but I was charged {$54.00} for " excess '' guests on my Chase credit card. The charges on the Chase credit card don't mention any reason for the charge nor the merchant, and Chase doesn't allow these charges to be disputed as they are regarded as " benefits '' ( at least that is what I was told ). 

I called Chase and complained about the charges, and when it became clear that these two charges were for lounge access and I understood what trip it related to, I explained the situation. I provided evidence to Chase regarding the number of people travelling that day, the fact that my wife allowed to enter for free with 1 guest, and the fact that our children should not have been counted to begin with as they didn't meet the age threshold to count as a guest. 

In XX/XX/2020, Chase refunded the charges for 1 of the visits only. I called Chase back several times to have the other visit also refunded, but Chase has refused to do anything about it. I have repeated asked Chase for any proof that we agreed to the charge, such as a signed receipt or pin I entered ( as I know we were never told about any charge at the lounge, as we would have immediately objected ) and Chase has never been able to provide one. Chase has effectively refused to fairly evaluate the charge, which I can only presume is because Chase is both acting as judge and party ( the charge is effectively for a " benefit '' they offer ). 

Chase has told us we would have to take up our complain with the lounge, but refused to give us any contact information for the merchant and information that would enable the merchant to identify the charge- we called the lounge ( we think ) the charge relates to, but they obviously have a hard time adjusting the charge if the only information we can give them is " we had a charge show up on our credit card, but no reference for you to look us up amongst your thousands of visits '' ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
Purchased fish tank with live fish and corals for {$2100.00} asked how to ensure the set up and transport safety of fish, was charged additional fee of {$100.00} to guarantee them, and the owner brought fish tank to my home! During set up he broke an item off the filter. He struggled getting the tank to turn on and also did not set up lights with me properly! He told me not to worry that he guaranteed everything through the process and fish would be fine even with broken piece on tank! Next day there were issues, he sent some one out to check tank! They worked on it. He also led me to believe this item was only 1-2 years old. Later in text disclosed it was almost 10 years old. I asked him to return it he said no problem he would get someone over to pick up tank! He came and picked up tank! He told me in text he would refund money! Never did. I started dispute with Bank of America they sided with him bc he said he doesnt do returns! There was never any note, or discussion during or through the return or him picking up item telling me he had no return policy until after I filed claim with my bank. He said he guaranteed the item by delivering it and setting it up bc he knew what he was doing. After claim with bank he sent message saying he would give me {$400.00} cash and {$400.00} store credit that is all! I refuse to accept that since I have no item and didnt even have the tank a week

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 2017-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The is an employer placed on my report on XX/XX/2017 which i do not work for

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 2016-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
A bi-weekly payment plan was initiated for my mortgage with Bank of America. I was told that when the amount of a full payment was received it would be applied to my account on the date received. In review of my account all funds would sit as a " available balance '' until XX/XX/XXXX and then be applied. I have been over charged for interest on my loan and my payments have not been applied properly. In addition my mortgage account was paid XXXX full month in advance prior to entering the biweekly payment plan. I will use XX/XX/XXXX as an example : ( Please note that no payment is due on my account until XX/XX/XXXX in this example because i have already payed in advance ) XXXX/XXXX/XXXX first biweekly draft in XX/XX/XXXX occurs XXXX/XXXX/XXXX second biweekly draft occurs. On this date the full mortgage payment is available and in the banks possession. 
XXXX/XXXX/XXXX a third biweekly payment is deducted from my checking account XXXX/XXXX/XXXX funds are applied to the account with a posting date of XXXX/XXXX/XXXX Every month my payments sit as an available balance and do not get applied until the next month.

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 2020-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
Capital One has locked my account so I have to pay extra fee over the phone and has not kept their promises, On or around XX/XX/2020 I made a {$35.00} payment for my card with a {$530.00} balance and was told that if I made another minimum payment ( {$25.00} ) on XX/XX/XXXX or XXXX ( can not remember which ) they would report me as being current and they would not report me before then. 3 days ago I got a report from XXXX and XXXX  that Capital One reported me as being 90 days late going against everything they had promised me on or around XX/XX/XXXX. This is not the first time they did not go by their policies nor their promises made to me. This is the 4th time I have had to file a complaint with you and XXXX against them for fraudulent practices and/or false promises. This is causing me more money and since closing my account has dropped my credit score over 100 points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-19
Company: Franklin Collection Service, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
on XX/XX/2019 at appox:XXXX XXXX  XXXX I called Franlin collection firm after receiving letter by mail spoke to a rep by the name of Mr. XXXX XXXX at ext XXXX whom I provided the Fcsi  case number rep did not Identify any other information to be sure he is speaking to the right party and never resighted the mini miranda before discussing the debt.. I advised rep I was in abritation with creditor at and t regarding contract and services that were discussed and that i was disputing the debt. The rep was talking with me and over me with a very mean tone which offended me after i told him i was disputing he sill insist payment and explained his attempts to still collect the debt after being told i prefer no contact until matter is resolved through arbritraction with the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
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: Account status incorrect

Complaint:
Requesting loan approval from XXXX XXXX XXXX XXXX XX/XX/XXXX. I pulled my Experian credit score and it was XXXX on XX/XX/XXXX. 

Received a call back from XXXX that day saying that my score from Experian was XXXX??? That can not be. My pull from Experian says XXXX. I had car loan with XXXX in XXXX got paid off ahead of time, My XXXX visa card and credit cards get paid in FULL monthly, I, m {$8000.00} away from being mortgage free on a $ XXXX house, total debt is only $ XXXX. My mortgage broker says I have an excellent rating for a credit score. She doesn't understand either. 

To get a 1.99 % i need a XXXX score or above. They denied me that rate. They want to charge me 3.99 % .interest rate. This is not right. I want it looked into and tell me how they got ii

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 2018-05-18
Company: Signature Bank (NY)
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
A foreclosure action has been undertaken by Signature Banker against two apartments XXXX and XXXX located at XXXX XXXX XXXX, XXXX XXXX which we own as XXXX XXXX and XXXX XXXX XXXX. 
Beginning in XX/XX/XXXX, Signature Bank instituted a foreclosure proceeding against us based on faulty accounting information which Identified us as delinquent by over two months. In addition, the bank levied substantial foreclosure fees against us and wouldnt accept any checks we gave them for regularly monthly payments. 
We sent to the bank a full detail of all the payments we had made with copies of checks. Initially the bank ignored our submission however, after a complaint was made to the CFPB, the bank acknowledge that it had made an error. 
Thereafter the bank sought to correct the charges relating to the payments however, it refused to remove any of the costs associated with the foreclosure. 
Again, we sent a protest to CFPB in which we noted that the foreclosure was due to the Signature Banks erroneous accounting and levying any charge when we never should have been put into foreclosure was improper. 
We received statements from the bank in the middle of XX/XX/XXXX which appear to show the removal of the foreclosure charges. The statements had a due date of XX/XX/XXXX and showed payments due under the loan of our debt obligations through XX/XX/XXXX. It also stated that If payment is received after XX/XX/XXXX that a late charge will be incurred. Since we received the statement in the middle of XX/XX/XXXX, it was improper to charge us a late charge when we had little chance of making the payment prior to the date identified on the statement. 
In a letter sent to us on XX/XX/XXXX relating to a complaint we filed with the CFPB on XX/XX/XXXX, Signature Bank advised us that our complaint was not relevant to the foreclosure actions and stated that the bank intended to continue to charge all costs associated with the disclosure to us. The letter continued to insist that the action was initiated because of our failure to pay charges due to the bank that were due in XX/XX/XXXX. This is particularly distressful since the bank had already admitted that it had made an error and had sent us statements in XX/XX/XXXX in which these costs seem to have been credited to our account. 
This letter further stated that the Bank will not accept any monies from us unless the full amount including legal and foreclosure fees is fully paid. 
As you are aware, we have called you and advised of our concerns. We also told you that we are prepared make an immediate payment of the full amount that is owed including the charges for XX/XX/XXXX ( for which we have never received a statement ). 
For apartment XXXX ( account # XXXX XXXX the balance including the XX/XX/XXXX installment is {$21000.00} For apartment XXXX ( account # XXXX the balance due including the XX/XX/XXXX installment is {$5700.00} The total amount currently due {$27000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have spoken with the credit report agency directly and the person I spoke with gave conflicting information. Currently, I have opened disputed with XXXX XXXX XXXX as well as Equifax because they are certain that the account is mine but when I speak to them about the inconsistencies in the data that was provided. Both Equifax and XXXX XXXX XXXX state that they are sure the account is mine and leave it at that. 

I understand that XXXX XXXX XXXX is a business and need to recoup funds and Equifax is a credit reporting company but this is my life on the line and I will escalate it as far as I need to go in order to get this corrected. 

Case number : XXXX is the one that is opened for XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: BARCLAYS BANK DELAWARE
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
RE : XXXX XXXX Business Master Card not returning my money A few days prior to XX/XX/XXXX, I notified the credit card company that I had incorrectly made payment of {$10000.00} to my closed business account. Unfortunately, I was not able to stop payment with my financial institution. I had provided the information needed to locate this account and was told that the money was not yet received. I also requested that monies to be applied to my personal XXXX XXXX XXXX XXXX, which is where it was intended but was told no. I also updated my address. After no notification by phone or mail, I contacted the company again around XX/XX/XXXX and again on XX/XX/XXXX, was told they received the money and it would take 7-10 business days. It was during the first week of XXXX, when I contacted the company again, was told that the check was sent out on XX/XX/XXXX and told 7-10 business days I would receive the check. On XX/XX/XXXX, I called again and was told the same thing. At this time, I requested interest ( compensation ) in addition to my refund of my overpayment. On XX/XX/XXXX, I asked to speak with a supervisor who gathered information to share with management. Complaint shared again as in prior conversations. Supervisor told me she would be out of the office until XX/XX/XXXX. I called on XX/XX/XXXX, unable to leave a voicemail but left a message for the supervisor that I had called. On XX/XX/XXXX, was told that the supervisor was aware and will callback. On XX/XX/XXXX, I receive a voicemail from the supervisor that a check is in the mail sent on XX/XX/XXXX via regular mail and not XXXX XXXX as I had requested. On XX/XX/XXXX, I called and left message to let the supervisor know I have not received the check. On XX/XX/XXXX, the supervisor calls and I update her that I have not received either checks. Was told that the first check was not cashed, so the company stopped the check. The second check was sent on XX/XX/XXXX or XX/XX/XXXX. I was provided with the company 's address and fax number to send a written statement. Reiterated return my money plus compensation. XX/XX/XXXX I called, reinforced no checks received, offered suggestion and requested repayment with compensation. XX/XX/XXXX I called again, told that the supervisor is another call. Same information provided. Was told supervisor to call, no calls received. Faxed written letter twice to the company. On XX/XX/XXXX, mailed letter to the company. XX/XX/XXXX received a call from the supervisor. Repeated same conversation as prior. No mention of any fax received, and no further resolution offered. XX/XX/XXXX - Filed complaint with CFPB for assistance with resolution

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 2015-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In 2013, I lost my wallet in which my bank card was enclosed. Fraudulent activity occured on my account which placed my bank account in jeopardy. Filed a police report, stating my card was lost and that someone had charged my card in the amount of {$2800.00} dollars through credit. Notified BOA ( Bank of America ) of the transaction and submitted reference number from police report. Eventually my claim was accepted and BOA brought my balance back to {$0.00} or the amount that I had on my account orginally. My account was closed. Attempted to open up another account and BOA refused and told be to notify the consumer credit bureau under FDIC. Attempted to open up an account with XXXX Bank but they refused also.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
While speaking to a clerk by the name of XXXX at the Judges chambers ( phone number XXXX ). The clerk advised me that their courts did not report this information to Experian and that the federal courts does not even have a subscription to report to ANY credit agency. In addition, the clerk from the court explains that the courts do not physically verify or give out social security numbers or any information to any THIRD PARTY companies. So if they did not report this information how did Experian? According to the FCRA it is not permissible for you to report THIRD PARTY unverified information. In addition the FCRA also state that the credit reporting agencies can not report inaccurate information and according to Federal Court records. If they would actually call or ask for the documents they will actually see that this is 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 2022-07-22
Company: Experian Information Solutions Inc.
State: LA
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 fair reporting act acct # XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 section 602 ( a ) states i have right to privacy 15 USC1681 section 604 ( a ) it also states a consumer reorting agency can not furnish a account without any 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 explanation
Consumer complaint received 2016-09-20
Company: Premier Portfolio Group
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
On XXXX XXXX, 2014, I received a PayDay loan from XXXX XXXX. I was unable to pay the loan off, since I have n't been working, due to a car accident. The loan was sold to premier Portfolio Group, XXXX XXXX XXXX, XXXX XXXX, NY XXXX, XXXX, www.premierportfoliogroup.com. They have called all my references and provided them with details of the loan and they have threatened me with a law suit and the amount i will owe with court costs and attorney fees. I want them to stop contacting all my references and stop threatening me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have reached out to XXXX, Equifax and XXXX about accounts reporting delinquent when they are indeed not. These reporting agencies will verify without any actual verification. I have requested proof of verification but each company refuses to send verification. I legally have the right to be shown proof of verification. I require full disclosure and documentary evidence pursuant to 15 USC 44, that this information has been properly verified in the event of further legal proceedings. I demand to have full verifiable information. They are required by federal law to provide physical evidence which they have not and Im demanding for all of the inaccuracies being reported be removed immediately.

Company response to consumer: Closed with explanation