BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-05
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There is a fraud issue on my Citibank Checking account. Citibank claims that this is a merchant dispute. It is not a merchant dispute over a service or item, it is unauthorized use of my debit card number, fraud. 

I have been lied to consistently by the dispute department telling me that they don't have any information on this and a provisional credit would be issued by the back office. According to the back office on the last CFPB claim, they had already denied the claim as a merchant dispute days ago. They have refused to explain the reason for their decision other than claim this is a merchant dispute which it is not. 

I can not accurate information from this institution and they have substantially damaged my account and relationships with institutions I pay from this account. 

I need to receive credit for the fraud amount that was lost and credit for all the overdraft and penalty fees. 

This behavior is simply egregious and illegal for an FDIC bank. As they stated in their previous response that have all this recorded.

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 2022-06-05
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/2022 The Credit bureaus stated XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX and XXXX XXXX account # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate. This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report as well.

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 2016-11-29
Company: Diversified Consultants, Inc.
State: NY
Product: Credit card
Issue: Sale of account

Complaint:
This debt was with XXXX XXXX I had XX/XX/XXXX. I became XXXX and lost my job so I could no longer pay this account. My bill was {$280.00}. I pulled my credit report bacause I want to try and fix what I can. I saw this account was sold to Diversified Consultants and now they reported that I opened this account XX/XX/XXXX which is false and that I owe them {$460.00}. It also resets the clock on this old debt and will stay on my credit report for another 7 years. This is wrong and affects me terribly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I attempted to contact USAA credit card company. XXXX from XXXX Ky stated that I would only be able to contact a call center and that I would no longer be having access to USAA the company. I explained this is a member only company and you should be affiliated to the military in some form. I am having problems with neighbors attempting to assume my identity. They have had copies of my credit card statements separated. In the past there was a XXXX and I never received it. I was only able to deal with the call center for this as well. I also, got a refund from XXXX XXXX through XXXX in months past that I never received. Now, I am having problems with XXXX orders being charged double. Other orders referenced than supplied by XXXX. I was attempting to get this XXXX order rectified. I contacted USAA because I was notified via email that they suspected suspicious activity. I only wanted to clarify that my reward points are back on my statements. Also, that my credits are not going to one of their employees as I was told they had some problems with employees. I want to know if my bank statements are correct and also that my credits are not going to an employee that has a copy of my credit card that I never authorized. I 'm told a person by the name of XXXX had my credit card in her hand. I place orders on line.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: Diversified Consultants, Inc.
State: ME
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been contacted twice by representatives claiming to be from Diversified Consultants , Inc. saying that I owe more than {$200.00} to XXXX. These representatives have asked for my credit card information, my social security number and my physical address. I have spoken with XXXX and have been assured that my account is paid in full and that I have not been sent to collections. I have also checked my credit report through XXXX and I have an excellent score. I am concerned that either my identity has been stolen or that the phone calls are pretending to be DCI.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, " XXXX XXXX XXXX '' Account # XXXX " XXXX '' Account # XXXX " XXXX XXXX '' Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, " XXXX XXXX XXXX '' Account # XXXX " XXXX '' Account # XXXX " XXXX XXXX '' Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I ' m a XXXX year XXXX veteran that has been hit again with identity theft for the 4th time in 90 days and after being with my bank USAA 17+ years and everything going to them, they are refusing to do business or even speak to me and this has become a big deal since the cyber attack on our XXXX records re releasing all our background information and intricate details. Police reports and all are filed. This is a very serious issue for veterans. My friend brother even had another not only getting money in his name ( duplicate debitcards ), however receiving medicines and being treated XXXX just like its was him.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: Receivable Solutions, Inc.
State: IN
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We 'd been making regular payments for a health expense since last year. Early this year, the payment checks sent were not cashed for months and the balance was not updated to reflect that. Bills were also sent sporadically. RECEIVABLE SOLUTIONS decided that this meant that we were past due and sent us a letter stating that our account would be sent to collections in 10 days. I had absolutely no confidence that even if I sent them a check, that it could be processed within the 3 business days ( when you subtract weekends and mail transit time ) because they have historically waited months. So I called before they sent the account to collections and they informed me I had to pay that day. They completely acknowledged that the checks were not always cashed in a timely manner by them, but refused to cancel sending the account to collections. So I paid the full balance right then to be rid of these people using my personal credit card instead of my tax sheltered HSA account, costing me about XXXX % extra. There was probably also an extra fee tacked on for paying by phone. 

I have a credit score of XXXX and have no problem whatsoever paying my bills. This company is using the threat of collections based on their own poor processing of payments. They have fully earned and deserve a harshly worded letter from CFPB telling them that a payer can not be considered delinquent due to the payee 's own slow payment processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XX/XX/XXXX I submitted a written request asking for copy of credit report as I have ITIN number. As I did not received anything I ended up calling XX/XX/2022 requesting copy of credit report. representative had stated that I would be getting a copy of credit report within the next 6 to 7 business days. Representative with experian stated that the reason to why I have not received a copy of credit report is because they have a second last name which is XXXX but on my document with my ITIN number given to me by the IRS it does not have my second last name not sure how they got my second last name but I have attached copy of documents to verify identity. Bureau have my name as XXXX XXXX XXXX XXXX I never use my second last name! I have only received copy of credit report with XXXX XXXX still missing Experian and XXXX. XX/XX/2022 I called Experian and XXXX a second time requesting credit report as I have not received anything up to this date. XX/XX/2022 I contacted Experian but I was unable to get a hold of a rep. I have the right to a free credit report and I have submitted copy of documentation stating verification that identity is mine. Yet nothing has came in the mail.

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 2016-04-04
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
in XXXX of 2010 I filed bankruptcy and surrendered the home to American Home Mortgage. American Home Mortgage neglected to retitle the deed into their name since the home was surrendered back to them in the bankruptcy proceedings. American Home Mortgage in turn sold the loan to OCWEN in my name. Owen demanded payments on a mortgage that was surrendered in bankruptcy. After several threats that I still was liable for the mortgage payments. I mailed them XXXX payments totaling {$12000.00} that they collected illegally and this was not a business practice. XXXX i filed bankruptcy and surrendered the home back to American home mortgage and they were negligent in renaming the deed to their name, American home mortgage sold my mortgage to OCWEN and Owen demanded all their money and i sent it to them not knowing and it went in their pockets. Then in turn Owen sold the Mortgage again in my name to someone else and the third party foreclosed on the home in my name and reported it to the fort XXXX XXXX sheriff as a foreclosure in my name. that deed should have been retitled 3 times once To American Home Mortgage, second then Ocwen Loan Servicing , LLC and then the third party. XXXX mortgage companies illegally left my name on the deed after surrendering the home back to American Home Mortgage and five years later foreclosed on the property that I no longer had possession of after the surrender in 2010.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am writing to bring a concerning issue to your attention regarding my home equity line of credit ( HELOC ) with Bank of America. To my dismay, I discovered that my HELOC was abruptly cancelled without my consent, and what is even more disheartening is that I received no prior notification about this decision. My attempts to seek clarification from the bank have been met with unresponsiveness, as they provided no information regarding the cancellation. Despite being told that my query was submitted, I have not received any updates or explanations for several weeks now. Once again, upon reaching out for further clarification, I was met with silence, leaving me deeply troubled and concerned about the violation of my rights as a consumer. 

I would greatly appreciate your assistance in investigating and resolving this matter promptly. Thank you for your attention to this issue.

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 2019-05-28
Company: AMERICAN EXPRESS COMPANY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The American Express website lists several methods to submit a payment. It states that in XXXX you can do a direct debit from your account to theirs ( American Express XXXX XXXX XXXX ). I mad a payment from my XXXX bank account in the amount of XXXX Euro on XX/XX/XXXX and another in the amount of XXXX Euro on XX/XX/XXXX. Both payments were taken from my account and never applied. I am, by the way, an American citizen living in XXXX. 

They opened several disputes and requested documented proof, which I provided. This included screen shots of their account number and amount from my bank. Each was closed without resolution, AMEX also claims to have tried to call me but phone records show this to be false. I have also called multiple times with the same result. The last time I called I was told by the representative that he was very sorry and that he would take personal control of the complaint, contact my bank and the account holder on their end to find and return or apply the payments. This also turned out to be false as no action was taken and I received to response. 

Today, XX/XX/XXXX, I utilized their online chat function to check on the status and was told I had to call in. When I did call in the representative stated that I did not make the payments and should try contacting the necessary banks myself. 

I am incredibly frustrated with AMEX for, at this point I believe theft/fraud, and a complete refusal to correct the issue. I submitted payments as per the instructions on their own website, they lost the money ( or have not tried to locate it ), meanwhile it has not been applied to my account or returned and I continue to incur interest charges, long distance charges for phone calls, and a loss of time fighting with them to correct their error. Customer service states each time ( until today ) that they are sorry and will sort it out. FALSE Please investigate this deceptive and/or fraudulent activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Fraud on my debit card resulting in loss of {$23000.00} from checking account. XXXX ATM card was used to remove the funds over 6 months. Bank claim has been submitted, claim # XXXX. Bank has not been cooperating to resolve issue and restore funds. Also a police report was submitted, XXXX XXXX XXXX Dept, Case # XXXX. A file was submitted through the Federal Trade Commission. All of these documents are available and I will try to attach.

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 2016-04-08
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
We took out XXXX home equity loans ( XXXX and XXXX mortgages ) with the same bank, TD Bank approx., eight years ago. ( we have a XXXX mortgage ). At the time, we had no idea the effect it was to have on our lifestyle especially after plunging into finanical hardship in 2011 and beyond. We began to beg them to lower our mortgage interest rates so we could afford the payments which we were starting to pay late and they would not comply. They soon began to ruin our credit and it got worse as we tried to process a remodification on our own twice and once, with a local HUD not for profit. It just kept being rejected. Finally, it got so bad we could not longer pay and stopped making payments for almost a year while looking for an attorney to assist us. They started foreclosure proceedings against us and would not budge no matter how many times we tried for a remodification. We spoke with several attorney 's and even wasted time with a firm in CA who told us they could get them to settle. They ended up almost stealing our money whcih we had to fight to get back. This bank is known to be " difficult '' with this sort of thing as per more than one bankruptcy/mortage attorney that we spoke with over three years. They are not difficult. They are impossible to deal with. According to their " standards '' we do n't meet the debt to income ratio that they establish and according to these standards we can afford these payments. They are going to tell us that we can definetly put food on our table with over {$2700.00} a month in mortgage payments and almost another {$1000.00} per month in regular bills!!! They offered us only a recast which they consider a form of modification. It is only bringing us current. It is not modification and they know it. They get away with calling it one. We owe even more now, our payments increased and they passed legal fee 's on to us too, about {$3000.00} per loan. They call themselves a friendly bank. There is nothing friendly about them. It is exploitation of middle class people who were just trying to do the right thing and consolidate bills that came partly from large emergency home repairs. We are also now facing a loss of income as one earner is very likely being laid off this spring from a long time position. We are going to lose {$30000.00} in income. According to their " standards '' I am sure we are going to be told that we can still 'afford '' this. I was just told this two days ago by one of these representatives who handles these complaints. It 's an insult to our intelligence. We have to face losing our home or being forced to sell if we ca n't get these loans modified? Six years and counting of suffering and misery. If we have a real emergency we care going to lose our house because of these loans. Shame on TD Bank!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Can't login Can't check balance Can't withdraw money Can't spend it Can't get a hold of anyone Says card is invalid These problems since XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Issue: APR or interest rate

Complaint:
For years I have had credit cards with Bank of America. When I hit financial issues in 2010, they closed my accounts and began a pay out plan for me at $ XXXX/mo. and $ XXXX/mo. on each card. What I have noticed is that each month they are also charging me an " interest fee on purchases ''. Is this a normal fee? It seems it should have been included in the payment and NOT a separate fee being charged each month. 
Please advise me as to whether this is an acceptable practice. They have already dinged my credit by closing my accounts. They came up with the payment plan so I could get rid of the account balances, which takes forever even when the card is closed! Now I notice the fee when I went in to double check my balances and got curious to check to see if anything is listed on my monthly statements. I would never have discovered this fee otherwise. 
Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation