BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
To whom it may concern, On XX/XX/XXXX I opened a new checking and savings account in person at citizens bank located at XXXX XXXX XXXX, XXXX, PA XXXX. These accounts were opened with a promotional bonus being offered for a total of {$600.00} US dollars in accordance to the fine print limiting the account ( s ) to maintain a {$15000.00} minimum savings and enrolled in {$500.00} direct deposits. I took a photograph of the agreement and have met the requirements. This information has been confirmed at the local branch I had opened the accounts. It also states the bonuses will be paid on XX/XX/XXXX if the account is in good standing and have met the requirements. This I have done. I brought my complaint to the attention of the local branch to the employee who originally opened these accounts with my promotion on XX/XX/XXXX ( approximate date ) It was determined I should have been deposited the {$600.00} bonus from citizens bank. She had corresponded with citizens bank corporate marketing department. It was agreed I would be paid the {$600.00} on XX/XX/XXXX. I had asked because of the error to match my interest rate of my other bank ( XXXX ) 3.75 %. Neither my full bonus or my interest rate request was given on XX/XX/XXXX. On XX/XX/XXXX I was only given {$300.00} and no change in my interest rate matching my other bank ( 3.75 % ). I called again citizens bank my local branch and spoke again with the same employee who opened the accounts. She acknowledged in her conversations internally with citizen bank they agreed to pay me {$600.00} in a deposit to my account on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-14
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I spoke to Ally bank today stating that my account will be closed due to dispute transaction which they said that I falsely reported after my account being restricted due to XXXX transactions. I filed a dispute for a transaction that I did but never received the item. The representative that I spoke today said that I shouldn't be doing it since I made the transactions and deal with the merchant. He said that theres nothing ally can do with it. I told them that after talking to the merchant and the merchant is not willing to cooperate, the last thing to do is to report it yo the issuing bank which i did. I told them that I also receive a letter asking for information like when did i contact the merchant etc. they have been holding my paycheck and now since they are closing my account for a certain transaction that they misunderstood, i a bound to have no money until they resolve it which i don't know when.

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 2023-02-20
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account was deleted by two other bureaus but one wont delete it and continues to report it to my credit illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I closed an account with PNC bank in XXXX XXXX NJ on or about XXXX XXXX. 
A left over balance was sent to me with a check # XXXX and the routing of the check is ( XXXX XXXX XXXX ) dated XX/XX/2022. 
I was away for a few months. I tried to cash it on or about XXXX XXXX and it was denied payment because the check was passed 120 days. 
The told me they would send me a new one. 
On XX/XX/XXXX I tried to cash the same check since they did not sent me a new one. 
The branch manager refused to assist me and would escalate the issue to their superiors. 
I call the main office and I was on the phone for XXXX XXXX and XXXXXXXX XXXX They could not find the account or make good on the check. They open an investigations which has gotten nowhere. 
Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America received a garnishment request from The State of NC Department of Revenue for {$1500.00}. The request was dated XX/XX/XXXX! 

BofA placed a hold on all of my accounts ( XXXX accounts ) on XXXX. When the hold was placed only 3 of my 5 accounts had funds available ( {$53.00} ; {$0.00} and {$450.00} ) which was withheld. BofA then placed a {$1000.00} hold for the remaining amount of the garnishment on each my accounts. This caused each of my accounts to be negative- {$1000.00} ( - {$5200.00} total amount negative across all 5 accounts ). 

On XX/XX/XXXX I had direct deposits from my employer totaling {$2700.00} credit my account. I have been receiving these direct deposit for over 3 years and have never had issues with them being returned. I called the bank to see when the remainder of my funds would be released because there was more than enough funds to cover the entire garnishment order from The State of NC and was ultimately told that it could take 10 days for the hold to be removed.

I asked several times if I could speak with someone in the legal department and was told they didnt take calls. I then asked to speak with a supervisor who told me that it could take 10 days for my funds to be released as the bank had a legal order they had to follow because they had to chase me down for money and I dont pay my bills. The supervisor acknowledged that BofA was knowingly and willingly withholding more funds that what was requested on the garnishment but that it was a process that needed to be followed for the hold to be released. I asked if the process could be done today and was told no. 

It does not sit well with me that BofA will uphold their duty legally with The State of NC but not uphold the legal duty they have with me as a consumer.

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 2020-07-28
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX  ; Experian and XXXX are falsely reporting that I am ( 120-180 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Passport for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2023-08-04
Company: Experian Information Solutions Inc.
State: VA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

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 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 explanation
Consumer complaint received 2023-08-04
Company: KEYCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/2023, at XXXX I was advised by XXXX XXXX, a representative at KeyBank XXXXXXXX XXXX XXXX XXXXXXXX XXXX PA XXXX come to the bank because she received an email from Key Bank fraud department XXXX They believed fraud had occurred on my account. I arrived at the bank at XXXX and the XXXX XXXX representative called KeyBank Fraud department XXXX I spoke with a gentleman in Fraud Department. He advised me that there had been an ACH withdrawal from my account # XXXX in the amount of {$100000.00}. We spoke a great length and he indicated that KeyBank caught the fraud in time and would be able to reimburse the transaction because it was within the last 24 hours. I thanked him for his work and said if there's anything I can do to help prosecute let me know. He assured that the money would be recaptured. On XX/XX/2023, and after my previous discussion with KeyBank, my bank account was hacked again and {$100000.00} was returned to the account. I thought it was a KeyBank XXXX remittance reversal. It wasnt! 
The next shocking thing that happened was on XX/XX/2023, there was an another ACH withdrawal again in the amount of {$100000.00} ( see the attached information, withdrawals and deposits ). All of this occurred after my discussion with KeyBank on XX/XX/2023. KeyBank representatives should have immediately closed the account, but instead strictly restricted the account. I've spoken with several people at KeyBank and they keep telling me that I must go through the branch manager. On five separate occasions, I spoke with five different KeyBank Managers and the fraud department. All the bank managers insist that while the account was restricted, deposits are allowed to come into the account but XXXX not be allowed to leave. They in essence refused to give me any information. They informed me they will get back to me within 45 to 90 days. One KeyBank representative told me that there is not a timeline for how long this process will take. I am XXXX XXXX XXXX and as you XXXX suspect the {$100000.00} was part of my retirement fund that was being used to fix my property. Please help me as soon as you can. Something funny is going on here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern, Freedom Mortgage claims two recent late payments for XXXX and XXXX of XXXX in my credit report. Nonetheless, these two payments were made and received ON TIME as shown in my attached payment history. However, in both instances, the payment amount was incorrect by less than {$60.00} due to a recent change in my escrow account calculations. Freedom Mortgage did not apply the payments received to my account or notified me in a timely manner of this change in escrow. Upon realizing the discrepancy, I reached out to them and made the necessary payments to cover the difference between the payment made and the new amount ; and they refunded/waived late fees on the account as a courtesy. 

On XX/XX/2023, I received notification from all 3 credit bureaus claiming that I had two late payments on my Freedom Mortgage account, even though I assumed this matter had been resolved. I contacted Freedom Mortgage immediately and spoke to a representative who failed to understand the situation and provided no resolution. I am a XXXX XXXX XXXX and do not this deserve this kind of treatment from this company. This practice is not in my best interest or that of any other military veteran. I have never made a late payment and now my credit rating has dropped significantly over a {$60.00} error. I am faithfully reaching out to you in hopes that you can reach out to them and this can be resolved without any further incident. I thank you in advance for your consideration and time regarding this urgent matter. 

Regards, 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 explanation
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: VA
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:
On XX/XX/2023. I disputed inaccurate items on my credit report. On XXXX XXXX, and XXXXExperian sent a notification accusing me of using a credit repair organization to submit my letters, and in fact advised they were not going to investigate my claims, which is a violation of the FCRA. It has been well over 30 days, with no action done, which is another violation. I have attached the letters I have already sent to all 3 credit bureaus. These stall letters they are sending are not responses to the inaccurate information 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 2023-04-14
Company: Atlanticus Services Corporation
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone else opened up account with Asipre credit card in my name without my permission. I wasn't aware of it until I received the bill. I contacted the card company and made them aware. 
They questioned my about everything. I found out threw them that the account had a different phone number and email attached to the account and I was unable to get any other information about the account. I couldn't even find out what was purchased and from where is was. 
So this went on for six months. 
Until it was put into collections. The card company took my information and used it against me. When I wasn't able to access the account and I also requested proof of purchases from the charges that I have attached to my name. I contacted the credit report agency to dispute the charges and I am still trying to find out why I am responsible for this account. 
Can you please help me in this situation on finding out what is happening to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
State: GA
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:
Dear CFPB, Dear state attorney general, I am submitting this complaint because Equifax will not help me. Even after I showed them multiple times of how they are violating the Fair Credit Reporting, The credit bureaus keep disrespecting the laws. I am a victim of identity theft and have enclosed a copy of my identity theft report, a copy of my drivers license and my recent credit report. I am writing to request that you enforce Equifax to place an immediate block this fraudulent information per section 605B where it requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers of that information And also sections 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file. Place a delete and block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX XXXX Account # XXXX I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. As you can see in my credit reports the bureaus have deleted and blocked these fraudulent accounts that were opened in my name. The credit bureaus In fact, I did not send a regular dispute, I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: CA
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:
My student loans from the servicer XXXX XXXX was transferred to XXXX as the new servicer, and instead of this showing as an existing ( 10 year old ) account it is showing as a new account which severely imparted my credit score.

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 2023-04-14
Company: Genesis FS Card Services, 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:
XXXX is furnishing accounts on my consumer report that is a result of alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I DID not BENEFIT from any of the transactions. I sent XXXX written correspondence which included my proof of identity, an identity THEFT report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within XXXX business days of receiving my notice. 
In accordance with the FAIR CREDIT REPORTING act XXXX Account number XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
State: MD
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:
Last month, I settled XXXX collection accounts that were since removed from my report. The settlements were supposed to be factored in and my credit score was due to increase as a result of the settlements. I have filed disputes with Equifax and XXXX XXXX and haven't received any updates. It's also very difficult to get in touch with anyone at either company to explain why the accounts were simply removed and not factored in as paid accounts. Instead of updating my accounts with the paid, settled accounts, a new false account was added to my report which reduced my credit score by XXXX points. This is a report that I also disputed right away because the debt was originally XXXX in my bankruptcy. Attempts to collect this debt have been made before but this is the most recent attempt to add this information to my report. I am trying to raise my score in order to purchase a home but this false reporting and non reporting is a detriment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX XXXX has been paid and purchased by another lender. I have tried for a very long time to dispute this account from my credit report because this account was sold to another creditor and is paid in full. I am no longer responsible for this account and by law it should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
There was fraud on my deceased husband 's card and I was able to cancel his card, however I wanted to see a statement of what had been charged as we have an automatic payment to the account. They said they couldn't provide that statement. 

I tried to get an on-line account on my card, but was unable to. They are having trouble verifying me. The problem I told them was we were victims and the criminals filed a change of address at the post office without us knowing. The bank has that fraudulent address on file. Even thou we have lived at our current address for 11 years and our previous address for 23 years they would not accept that. They want a copy of my drivers license submitted via cell phone. I TRIED 5 TIMES TWO DIFFERENT PHONE CALLS AND THE PICTURE WILL NOT TRANSMIT TO THE BANK. I gave them our previous phone number and also the fraudulent address even tho we never lived there. They still insist on getting a picture of my drivers license. 
I WANT TO RECEIVE MY REWARDS AND CANCEL THE CARD. They said if I cancel the card without the drivers license picture they won't send me a verification because they will NOT send it to my CORRECT ADDRESS. They won't correct my address..

Company response to consumer: Closed with explanation