BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
cc : FDICConsumer Claim Number : XXXXBank : Bank of America DISPUTE RESOLUTION SERVICESXXXX XXXX XXXX XXXX AZXXXXMerchant : XXXX 
The Event : The consumer requested a refund from the Merchant based on breach of contract and or fraud which supercedes the 30 day return time period. The Merchant refused to refund so the consumer opened the claim with bank and faxed as well mailed to the bank written details supporting the claim. The bank failed to send the chargeback notification by mail to the Merchant ( as stated in the Merchants fax to the bank dated XXXX XXXX, 2015 ). The Bank 's letter to the consumer ( mentioned above Dated XXXX XXXX, 2015 ) disregardes the consumer 's written evidence for the claim as if they never received it ( in addition to not bringing it to the Merchant 's attention in writing, by mail ) and also states that " As a result, the temporary credit for {$790.00} that was previously applied to your account will be reversed on XXXX XXXX, 2015. Additionally, any credit that was applied to your account for the reimbursement of fees related to this claim will be reversed. We now consider this disputed resolution closed. " Notice : The Merchant-consumer transaction was from XXXX ( a different legal entity than XXXX. who sent the communication to the Bank via fax XXXX XXXX, 2015 ). 
The consumer demands that the disputed transaction remain open while this issue is investigated and that based on fraud, the credit for {$790.00} shall not be reversed. The Bank must prove that they received no written evidence for the claim from the consumer, as well as acknowledge that htey did not follow dispute resolution procedure on behalf of the consumer or the merchant.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I own XXXX XXXX Bank of America XXXX and XXXX of them got charge with {$59.00} annual fee. Contacted the Bank to have the charge removed and to close the account. No sense on having XXXX accounts. The Bank gave me several excuses which did not make sense and finally escalated the case ( # XXXX, tel no. XXXX ). The escalation resulted in the Bank telling me that only Spirit can remove the charge. Contacted Spirit and I got redirected back to the Bank. Find attached e-mail from Spirit. I am between these XXXX institutions a no one wants to remove the charge. This is a charge for next year services and I do not want these services.

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 2017-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Billing statement

Complaint:
I opened an account with Bank of America ( credit card with deposit\o of {$99.00}. I did a charge for {$40.00} dlls and statement showed additional {$39.00} for fees. I called them to cancel that account and thet only returned {$17.00} dlls ( check XXXX from their account : XXXX XXXX XXXX XXXX. 
I will appreciate to aske them to return my complete money back

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 2018-05-28
Company: Santander Consumer USA Holdings 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: Credit inquiries on your report that you don't recognize

Complaint:
On Sunday XX/XX/2018, I had received notice from a XXXX XXXX that it was new inquiry was added on my XXXX report. I did not apply for anything with this company or gave anyone permission from that company to run my credit. I am not familiar with the company. The company is called XXXX XXXX. They ran my credit resulting in a hard inquiry being placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Making/receiving payments, sending money

Complaint:
Today, XXXX/XXXX/2017, I attempted to cash a check from my son-in-law made out to his mother, my wife at Bank of America, XXXX branch, XXXX, NC. Since my wife is not only XXXX but recently XXXX, she is rather XXXX. However, I have cashed 7-8 checks from him to us at the same location. I place our identification - Id/drivers license, both bank cards from the XXXX banks we do use, not Bank of America. They use the " California security screens '' which consist of 1 '' of bullet proof glass and a 3 '' opening to place your identification. I had placed her ID on the left side and my ID 's on the right side of the half-round tray. The Financial Center Operations Manager, XXXX, was starting to give her OK by initialing the check for cashing. As she stopped and reached for my ID, I reached over to push it up for her to reach. My ID and XXXX bank card fell down on the counter. I said excuse me. She suddenly stopped and said " NO ''. I asked her what was wrong as she replied, " I am not going to authorize it because you threw those cards at me! '' Remember this is the bank my step-son had written the check on and I have cashed his checks to us there several times before. XXXX started walking away and I called out and asked for her name. She said she was getting me a business card, which she did produce. 
I believe other people, potential customers and Bank of America officers should be aware of this women 's attitude and refusal to cash one of there own checks. I plan to make everyone I can aware of the XXXX service or bad attitude I encountered this morning. 
Being XXXX, I was XXXX, I am used to people being rude to me but I did not give this lady any reason to prejudge me and fly off the handle so quickly.

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 2016-08-29
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I deposited {$400.00} cash in an ATM on Saturday night XXXX/XXXX/16. The machine ate my entire deposit giving me no cash back and a receipt saying to call my financial institution. I called Huntington immediately and a very rude employee named XXXX said there was nothing she could do and that I should call back Monday morning. I called Monday and was told that I should have filed a dispute on Saturday. Now I have to wait 2 more business days for an investigation! What am I supposed to pay my bills with!? I deposited cash for gods sake!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: Southwest Credit Systems, L.P.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX is showing an outstanding debt that was not ours. We have resolved it with XXXX, however it is still showing up on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: Netspend Corporation
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I received an unsolicited XXXX debit card in the mail from " netSpend. ", associated with " XXXX '' - shown in the documents sent with this unsolicited card. 
I have never heard of this company or bank, have never done business with them, and certainly do not accept any unsolicited credit/debit issues. 
Offers of this type can cause serious financial damage if intercepted by a crook.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: EQUIFAX, INC.
State: MA
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:
XXXX XXXX acc # XXXX date XXXX XXXX ( closed ), ... in accordance with the fair credit reporting act XXXX # XXXXhas violated my rights!, ... 15 U.S.C.1618 section602A states that i have a right to privacy ... 15U.S.C.1618 section604A also states a consumer reporting agencycan NOTfurnishan accoun without my consent and/or instruction and i did NOT give it to them..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
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:
After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX Account Name : XXXX XXXX XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights unde

r -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 -15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

-15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 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 2017-01-20
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I was deliberately deceived and steered into using private loans with astronomically high interest rates. I was also steered away from consolidation plans and generally misinformed in order to keep me in an uphill battle against high interest rates on the loans. There are essentially no options made available to decrease my monthly payments or lower my interest rates. With a child on the way, I have no choice but to be subjected to these loans that are near impossible to pay back due to lack of flexibility and options.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: Professional Debt Mediation, Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I XXXX, XXXX a " Consumer '' hereby declare to be the owner of the equitable title to that debt. I do not know anyone else who owns the equitable title, if you think you do or knows anyone who does, you must state so. If you can not state anyone, then I am the owner. And if I own equitable title then I ca n't be the debtor and the beneficiary of the trust at the same time. It is hereby declared as the beneficiary of the trust, I order you to rebut my claim. 

I XXXX, XXXX, I accept as grantee, now coming as Grantor/Settlor, return by custodial delivery of equitable title/receipt for proof of same subject matter on special deposit with Trustee ( s ), PROFESSIONAL DEBT MEDIATION for alleged original creditor XXXX, with intent and purpose to use, enjoy, extinguish, settle, close, and to release collateral, and all encumbrances for the benefit of " XXXX '' including deleting the referenced negative line of credit and all lines of credit that remain on my report in conflict with the FCRA. I also require to be made whole financially at $ XXXX/per FCRA violation by PROFESSIONAL DEBT MEDIATION, which totals to {$4000.00} to be made available to XXXX, XXXX ( 15 USC 1681n ) for the willful noncompliance of this company using my information this long with out my consent and without properly providing me with an detailed copy of the investigation that took place to let this damaging balance remain on my credit report " AFTER '' being PAID IN FULL on XX/XX/2014 ( see attached receipt ). 

The FCRA 15 usc 1681 frowns upon the re-insertion of unverified debt, and has continuously damaged me for the period lasting over 30 days in violation of 15 USC 1681 ( i ), ( j ) & ( m ). I also have an UCC 11 debtor search Certified from the Texas Secretary of State showing there is " XXXX '' debt owed to any alleged creditor ( see attached UCC11 ). I further require a return of the proceeds for the use of my private property ( SSN ) and all other equitable relief I am entitled to as a " consumer ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: Creditor's Collection Service, Inc.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my co-pay and XXXX paid their part of the bill. These are extra charges never billed to me but ended up on my credit report. The Collection Agency had removed these charges but put them back on my credit report after I paid XXXX XXXX XXXX XXXX bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: Southwest Credit Systems, L.P.
State: FL
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:
In XXXX, XXXX, after pulling my credit file, there was a collection item on my XXXX report. The same collection item was reported on my XXXX report but they have since deleted it. XXXX refuses to delete saying that Southwest Credit System Account number XXXX has been verified as reported by the data furnisher. I have repeatedly contacted Southwest Credit Systems and they refer me over to XXXX ( who held the original debt ). The only thing I 've been able to establish to prove this account is not mine is that it was apparently tied to an address I lived at over 30 years ago with my ex-wife. From the XXXX through XXXX I lived in XXXX, MD with my second wife. Also, XXXX confirmed that this account was set up using a different SS number than mine. So my SS number does not match the account. The deliquency apparently happened in XXXX, XXXX. I have proof that I did not reside there. In trying to work with this company, XXXX and the credit bureau, and after sending several documents that prove my residence, they refuse to act on this error. I am next contacting my Congressional office ( XXXX XXXX XXXX but thought since I did n't get any resolution from the XXXX I would try once more through this process to have the actual reporting company investigate this matter and clear it up.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 2015-07-23
Company: Southwest Credit Systems, L.P.
State: DC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX has placed me into collection for a bill they have not even sent to me yet. I ended my service with them on XXXX XXXX, and have yet to receive my final bill from them. However, I received a call today ( XXXX XXXX ) from a company purporting to be a debt collection agency called Southwest Credit Services, with whom I have never had any interaction previously. This person told me that XXXX has placed me into collection for a {$52.00} dollar bill that I have not received.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 2016-01-14
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am a co-signor on my daughter 's student loans with Navient XXXX XXXX XXXX. We have been paying on her loans, on time for over five years. On XXXX XXXX. XXXX my daughter initiated the paperwork require by Navient to have me released as her co-signor. On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX we mailed and faxed all of the necessary documentation to Navient but received NO response from them. On XXXX/XXXX/XXXX I contacted Navient via telephone and was informed that they never received ANY of the documents I had mailed and faxed multiple times. I as then then given ANOTHER fax number, XXXX XXXX XXXX. Again, we faxed and mailed the necessary paperwork on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. To date we have received NO response, nothing. The monthly bills have ALWAYS been paid on time. When I try to contact them via telephone I am transferred multiple times, left on hold, and often just disconnected. On the rare occasion that I do speak with someone they report that there are NO notes in the system from the MANY prior phone calls. We are need help getting this cleared up, contacting them is pointless.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Delinquent account

Complaint:
above points are not applicable. 
Bk. of America issued me a new CC because my No. was misused. 
I had for years " minimum automatic payment " set up. 
When the next payment was due, I did nothing because I trusted the min. autom. payment agreement with BoA. The following month I did the same. 
The total amount was just arround {$20.00} which is the " min. payment amount ". 
The result of this was : BoA reported me for not paying my CC. 
When I complained, they told me : " By law they are obliged to report me etc.. And itwas all my fault etc.. IT WAS MY DUTY TO RENEW THE MIN. AUTOM. PAYMENTWHEN MY CC WAS REPLACED "! 
I assumed of course that it automaticly continues as everything else in my CC contract. 
All my complaints were to no prevail. 
This happened about 2 years ago and my otherwise impeccable Creditreport is stilltarnished today!!! 
I only found out today about your CFPB. This is why I am contacting you so late. 
But I really think that BoA needs to be punished for this! 

Thank you for your time and attention. 
XXXX tel. XXXX XXXX XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: Resurgent Capital Services L.P.
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: Investigation took more than 30 days

Complaint:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09
Company: The Receivable Management Services LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
R.M.S. keeps trying to collect a debt from XXXX an insurance company my mother with alzaihmers never had. I ask their professional license number to verify company was legitimate as the CFPB fraud prevention article suggested and R.M.S. company refused to give their professional license number. I post a complaint as the CFPB article suggest. Please check into this hope my mother is not been scammed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-28
Company: BARCLAYS BANK DELAWARE
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, I was notified via email, texts, and phone calls that there were possible fraudulent purchases made on three ( 3 ) of my major credit cards. Of the three credit cards, XXXX, now Barclays, was the only one that rejected my complaint that the purchase, were not mine. The purchase on the Barclays card was for {$1500.00} at the store, XXXX, in XXXX NY. 
When I first received the notifications that purchases were made on my cards I believed that my cards were still in my possession. Unknown to me, at that time, my cards were stolen out of my vehicle. I confirmed to all credit cards that the purchases were not mine. Barclays initially made a refund, but then rejected my claim because that the physical card was used at the store, and stated that they have place the amount back to my card. I later spoke to a representative who told me that I had to make a police report. That is when I did and faxed in a copy to them. 
I also made a fraud alert report to all three credit reporting agencies. Barclays has continue to report my account as delinquent, with interest and late fees added each month. As a results, my credit score has  dropped from XXXX in XX/XX/XXXX to XXXX and dropping because of Barclays 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