BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-28
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/11 XXXX charge was placed on my account without permission and XXXX advised the item was delivered however upon checking nothing was received and the neighbor advised someone stole the package. I filed police report for theft and sent the information to bluebird along with correspondence from the merchant XXXX and the form bluebird requested me to complete. I received an email stating my claim was denied and contact them for clarification WHY they continuously hangup on the line and provide Zero details finally I spoke with someone to reopen the dispute however they are refusing to send the corrected form stating I need to wait 10 business days and if I can't '' is should bank some where else '' i keep demanding my refund and the reps keeps hang up, This company continuously keep blocking my card and removing between XXXX to XXXX cents without permission stealing money from their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-03
Company: Crow Creek Sioux Tribe
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a loan from XXXX and believe that this loan violates state and federal usury laws. I financed XXXX and have to date repaid XXXX and still owe over 2,000 to pay it off. I am no longer able to repay this loan and have been forced to close my checking account to stop automatic debits from occurring in the amount of over {$450.00} biweekly.

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 2020-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Bank of America closed my credit card account claiming, " past delinquency on one or more of your accounts with us and/or our affiliates ''. I was, in fact, delinquent on this account in XXXX and XX/XX/2020. I made small purchases in XXXX and, as with all of my other credit card accounts, I expected to receive my statement in the mail. I did not. I did not receive a paper statement and I did not receive an electronic statement. I did not receive any communication from them at all to let me know that my account was delinquent until after my account was delinquent over 30 days. Once the account was delinquent over 30 days, I received communications from them letting me know I was delinquent with my payment. Then, they closed my account and sent me an email letting me know that they closed it and that I would receive a letter in the mail. I called their " 800 '' number and spoke to someone who was incompetent and not able to assist me. A few days later, a letter from Bank of America somehow mysteriously showed up in my mailbox. For reasons unknown they did not mail my statements to me for two months, but they were able to mail the letter with their bogus explanation of why those closed my account. Now my credit score will take a huge hit because of their irresponsible behavior.

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 2022-03-19
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This is the third time in three months that truist has been out ; online access was completely down for the site on XX/XX/2022 ; wait times to contact a rep for assistance were over an hour and the lines kept disconnecting. 

Each time suntrust/truist locks me out of the account, I end up getting an overdraft fee from not being able to manage the account. This has happened in XX/XX/XXXX and in XXXX, each time coinciding with vendor/bank sided outage to the site, and no ability to contact customer service. 

I had to physically drive to a branch ( that reeks of XXXX and had customers stating hateful XXXX  comments about the tellers ) and while they were able to get me back into my account, they weren't able to help with the overdrafts, which ttuist is forcing by locking me out of my account

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 2015-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I received a mortgage with First Franklin Financial in XX/XX/XXXX. When the mortgage crisis hit its climax, my loan was in default and I was in foreclosure. By the end of XX/XX/XXXX I was going through a modification approval process with First Franklin Financial and during this process my loan was transferred or sold to Bank of America. I did not know my loan was being served by Bank of America until one day I receive a large envelope informing me to forward all paperwork for modification to them. I contacted their toll free number and informed the representative that I had all ready submitted all paperwork to First Franklin Financial. The representative told me that files were being uploaded electronically and it would take awhile, so it was, therefore, in my best interest to resubmit all paperwork. I did never heard anything from Bank of America. Instead, I received paperwork informing me from another company XXXX XXXX XXXX that Bank of America no longer owned my loan, but they now owned it. I never made any payments to Bank of America. All XXXX of my credit reports re showing different amounts of information. The reports are showing that the last payment I made to Bank of America was in XX/XX/XXXX. I have never made any payments to Bank of America. I have sent several letters and initiated various disputes with the credit bureaus disputing the account. Every single dispute has Bank of America responding that the information is correct as it is on the credit reports. I have sent letters to the company myself requesting for written documentation/verification, but I have not received anything. This account is over XXXX years old and meets the qualifications to have it removed from my credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: Experian Information Solutions Inc.
State: FL
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: Other problem getting your report or credit score

Complaint:
there is/ no reason for/my credit score to decrease. All accouts are/up to date, payments on time and paid and debt to income has decreased. As usual in my opinion another examoke of uneotness and deliberate fraud to keep/my credit score low! 
Your FICO Score has decreased XXXX points to XXXX. Even though your FICO Score went down, your Credit Rating did not so it should not impact your credit worthiness. ell that to my bank who I am trying ti refinace with to rid myself of evikls kike you! 

XXXX XXXX Poor Fair 580 - 669 Good Very Good Exce

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 2022-03-19
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: Information belongs to someone else

Complaint:
I am been a victim of identity theft since 2018 i have complied with everything that was asked of me from police reports to ftc report to sending numerous or letters i may have sent over 300 letter to the company and nothing has been done i am a victim it would make since for items to match up with my information if someone has stolen my identity everything keeps coming back verified that would be correct with stolen identity

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 2022-03-19
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian decided to willfully break federal law and illegally refused to accept a dispute of incorrect information on my credit report. I have a screenshot proving Experian is willfully breaking federal law.

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 2022-03-19
Company: Experian Information Solutions Inc.
State: CA
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 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.

It is duplicate accounts on my credit reports also one account shows as a collection and charge off account with different amounts, dates also amounts paid as recent as XX/XX/2021 XXXX other dates as if to keep it on reports longer, amounts as small as {XXXX  up to {$XXXX}. I did not authorize these accounts, inquiries XXXX XXXX XXXX are not mine nor the collection accounts are not mine and it's causing HARM to my CREDIT LIFE.

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 2017-05-27
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have a student loan through FedLoan Servicing. I 'm currently on an income based repayment plan . Income based rep ayment plans need to be recertified every year, in order to verify income and determine how much the repayer is able to pay in monthly payments.     On  XXXX   XXXX , I got a notification e-mail telling me that I needed to recertify my income by  XXXX   XXXX . Therefore, on  XXXX   XXXX , I submitted an application to renew and recertify my repayment plan with studentloans.gov, a site maintained by the Department of Education to apply for income based repayment plans and verify income. Because of security issues, studentloans.gov notified me that, until their security was upgraded, I could not submit the form online, but that I should fax the completed form and a copy of my most recent tax return to FedLoan Servicing.     I faxed my completed tax return and form on  XXXX   XXXX . On  XXXX   XXXX , I received an e-mail from them saying that my form was received, and that, within  ten days, they would review the application and let me know if they needed additional information.      On  XXXX   XXXX , having not yet heard from them, I contact ed FedLoan Servicer 's phone center to check on the status of the application. The representative told me that th ey had received my application, and that they might have the application reviewed by  XXXX   XXXX , but the latest it would take them would be  XXXX   XXXX , and I 'd receive a response by then, On  XXXX   XXXX , I contacted their phoneline again to check the status. Another representative informed me that reviewing my application could take up  to two billing cycles ( two months ), and that I would just have to wait. I reminded them that my reduced repayment rate was due to expire and that, if it expired without recertification,  I would have to pay the standard rate ( I 'm paying about {$120.00} a month now. The standard rate would increase that to about {$570.00}. ) She told me, if that were the case, I 'd just have to pay the standard rate until they reviewed the paperwork.     After I got off the phone with them that day, I sent them a message through their website explaining the situation and asking when my paperwork would be reviewed, but I have not yet gotten any response.     As of yet, they have still not recertified my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
I am filing a complaint against Bank of America credit card which I used to pay for services to XXXX SEWER SERVICES. The vendor provided inadequate service, and despite repeated calls to the vendor I could not get help with the work they did in my bathroom. On XXXX, the said vendor, XXXX, worked on my toilet flush the was not working, but the problem was not corrected. XXXX sent over a unqualified person to work on my toilet. He could not fix the problem and had to call in support to help him replace a simple flush valve. Not only did this operation take two hours, but the problem was not solved, now the toilet began to leak. I called XXXX several times but I was not helped. I therefore had to get an estimate from another vendor, XXXX, who not only fixed my problem, but I paid almost a XXXX of the cost XXXX charged me. When I reported the problem to Bank of America, they wanted me to produce evidence of the defect. I sent hem a copy of the estimate given to me by XXXX XXXX, but Bank Of America did not help. I am writing to have my credit charges reversed. 
Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
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: Information belongs to someone else

Complaint:
Victim of identity theft through 2 collection accounts that I have never used. I tried resolving through the companies directly to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Technically I have two accounts with you and I have questions about both finally complain on here seems a bit drastic but your website with all due respect is useless you cant do much of anything and theres no easy way to sing you a message on there so I guess Ill sing you want to hear I travel a lot so I cant always be on the phone anyway back to my question I have a XXXX XXXX Credit card that you just took over from another bank I have a few questions I dont use this card very much because it can only be used at the store Id like to know what I need to do to get this to become a Visa MasterCard so I could use it more often I have a good credit my credit score is in the XXXX I never missed a payment I have a decent job I mean I do everything youre supposed to do the first thing Id like to know if I can get the switch to a visa or MasterCard second is there anyway to increase the credit limit and decrease the interest rate? The last four of the card that I am referring to are XXXX between that and all of my personal information you should be able to locate my accounts The next credit card that you own and operate and have for years is the Menards big card I have all the same questions as I did with the first card is there anyway to turn this into a Visa MasterCard as you can see it doesnt get use much because for some weird reason you only approve me for a store card even though I have excellent credit looking at my XXXX XXXX and XXXX  report right now neither one of them have one negative thing on them nothing theyre perfect so Id like to know can I get this turned into a visa or MasterCard also credit line increase would be nice and a lower interest-rate would be nice but I have one additional question I did try to use this card how Id say about a week ago on the Menards website for some items that could be shipped to my house and the website kept telling me my card have been declined. Any idea why that wouldve happened? Considering I never use The card or I have very little because I can only use it in your store I dont understand how I couldve possibly been declined Im nowhere near my credit limit On this particular carded ends in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Hello, I have 2 wire transfer withdraws that have been initiated through a cryptocurrency company called Coinbase in which i sold Bitcoin through them at market price to deposit in my checking account. Both of these wire transfers withdraws were initiated XX/XX/XXXX and show completed XX/XX/XXXX on their website. However both of these wire transfers have yet to be posted to my verified XXXX checking account. It has been 15 business days, way too long, even with the 5 business day delay for wire transfers they state on their website. Keep in mind they also charged {$25.00} dollars each for wire withdraws which have not been processed in a timely matter. I already have a support ticket that has been open for over 2 weeks thate has yet to be resolved, Case ID : XXXX. One wire transfer was for XXXX Bitcoin ( BTC ) for {$220.00} that shows completed on XX/XX/XXXX, reference code XXXX. The other was for XXXX Bitcoin ( BTC ) for {$240.00} that shows completed on XX/XX/XXXX, reference code XXXX. 

My Email for reference is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: ProCollect, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this is XXXX XXXX pro collect in XXXX tx is saying this is my debt when i talked to them and told them i never been to tx they asked for a util payment which i sent them and they say debt still mine when they gave me the work company that person worked for wasnt even the company i worked for as a matter of fact i put on XXXX since 2020 for cance i been going for treatment in XXXX fl since then i told them that and still they say its mine 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 explanation
Consumer complaint received 2022-07-14
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I used EnerBankUSA to provide credit for a home improvement project. The loan amount is {$5400.00} with 7.99 % interest. They have charged a minimum payment of $ XXXX and are now claiming that entire payment has gone to interest. 

Daily amortization on that amount is approximately {$1.00} per day totaling {$36.00} per month. Unless they are changing the loan terms and not producing it on the statement their math is incorrect and they are enacting fraudulent charges.

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 2022-07-14
Company: CITIBANK, N.A.
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: Investigation took more than 30 days

Complaint:
It has been well over 30 days, and I have not received any investigation results. I have filed a dispute in regard to the incorrect 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 explanation
Consumer complaint received 2022-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I sent a payment through XXXX for an item ( authentic XXXX XXXX purse ) I did not receive. I was scammed out of {$900.00} on XX/XX/22 and was denied reimbursement by my bank, Capital One. The seller will not answer any of my calls.

Company response to consumer: Closed with explanation