BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Our business credit card was closed by Bank of America without notice and without a reason being given. Payments on the card were always made on time and we have solid financials. Several days later we received a letter stating that we didn't meet their " risk profile. '' We were later told by a CSR that it was because we didn't answer a " survey ''. We never received a " survey ''. Almost XXXX points were lost as a result. 

We have spent many hours on the phone with different people. We finally gave a telephone application to re-open it several weeks ago and were told the card would be issued in 7-10 days. That time passed long ago. We have tried several of their phone numbers and can not reach a person. We have held for as long as an hour with no one answering. This has become disruptive to our business operations, as we are a small business.

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 2022-10-10
Company: CBC Companies, Inc.
State: SC
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:
On XX/XX/XXXX I was denied an apartment due to an eviction. I was denied again XX/XX/XXXX for the same reasons. My XXXX XXXX report has no evictions and the only eviction on my credit report was removed XX/XX/XXXX. I have paid a total of XXXX in application fees just to be denied through AM rentXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: DISCOVER BANK
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Today XX/XX/XXXX XXXX p.m. I was yelled at in a distasteful matter by supervisor at Discover. I was treated in an extremely distasteful manner by the supervisor where I believe our conversation was recorded on their side. I explained I received an adverse action letter pursuant to 15 USC 1681 m from discover where it was discrimination towards me in the process. I know who I am as the consumer and original creditor and discover is civilly liable for discriminating against me according to 15 USC 16918 and denying me an extension of My Own Credit in a consumer credit transaction. This supervisor is it a violation of the law pursuant to 15 USC 1611 buy also willingly and knowingly giving false and inaccurate information. I recited multiple laws under the truth and lending that discover company must abide by and this female supervisor simply ignored the law as well as showed a negative attitude and raised her voice in the negative manner towards me. I am extremely upset at the supervisors Behavior towards me and I believe that she should be reprimanded for her actions and discrimination towards me. Her tone and behavior was unnecessary and it proves her discriminatory actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-27
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: Old information reappears or never goes away

Complaint:
To whom this may concern according to the Fair Credit Reporting Act ... ..15 U.S. Code 1681c - Requirements relating to information contained in consumer reports It states below that .... 


( a ) Information excluded from consumer reports ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 

On my Experian.com consumer report it states. 

Experian  ... ... XXXX XXXX XXXX ( Date Opened ) ( XX/XX/XXXX ) Experian  ... ..XXXX XXXX  XXXX  XXXX XXXX ... . ( Date Opened ) ( XX/XX/XXXX ) Experian ... ..XXXX XXXXXXXX XXXX  ... .. ( Date Opened ) ( XX/XX/XXXX ) Experian ... ..XXXX  XXXX  XXXX  ( Date Opened ) ( XX/XX/XXXX ) Experian ... ..XXXX  XXXX  XXXX  ( Date Opened ) ( XX/XX/XXXX ) XXXX  ... ..XXXX  XXXX XXXX XXXX XXXX ( Date Opened ) ( XX/XX/XXXX ) XXXX  ... ..XXXX XXXX XXXX XXXX XXXX ( Date Opened ) ( XX/XX/XXXX ) XXXX  ... ..XXXX XXXX XXXX ... .. ( Date Opened ) ( XX/XX/XXXX ) XXXX  ... XXXX XXXXXXXX XXXX ... .. ( Date Opened ) ( XX/XX/XXXX ) 5 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. 

Sincerely, 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 2022-10-10
Company: EQUIFAX, INC.
State: MO
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:
This is infuriating! Despite the mane dispute letters and CFPB complaints I have been submitting, the XXXX and Equifax Credit Bureaus have been doing nothing! I have been requesting that the Credit Reporting Agencies stop their erroneous reporting by removing the disputed accounts completely from my Credit File. I recently sent the Credit Bureaus a dispute letter complaining and requesting that the Disputed accounts immediately removed however, the Credit Bureaus have become negligent and stubborn. For the past months, I have been requesting that the Credit Bureaus send me copies of verification supporting the Credit Bureaus claims that the disputed accounts are verified. I took the liberty to investigate my own Credit File, since the Credit Bureaus are not doing their job, and took notes of the following : a ) there is an address that is till appearing to my XXXX Credit File which I classified as inaccurate address and needs to be removed ; b ) the reported charge off account still indicated a balance despite the fact that it is a charge off account ; c ) the reported repossession account is an erroneous account and must be deleted as soon as possible ; and d ) there are information and accounts that are already deleted from the other Credit Bureaus but are still reporting on my Credit File, if the Credit Bureaus took the same action to verify the disputed accounts, why is it that some Credit Bureaus still indicate these accounts on my Credit File? Under the Fair Credit Reporting Act, Credit Reporting must be accurate! I need the Credit Bureaus to remove the following accounts completely from my Credit File : XXXX. XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1200.00} XXXX. XXXX  XXXX XXXX Balance Owed : {$490.00} XXXX. XXXX XXXX XXXX Balance Owed : {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I got married on XXXX/XXXX/15 which resulted in a name change. I contacted Bank of America as I have multiple accounts with them, two checking accounts, a savings account, and a credit card. I am also an authorized signer on my parents bank account, as they are on mine for emergency purposes. XXXX of my other sisters is also an authorized signer, and she lives out of state as well. I contacted my local Bank of America branch to confirm the paperwork I would need to make the change - except they would not allow me to make the change on my own. They are making me have every signer on the account come in and sign for my name change, keep in mind, no one else 's names or information were changed. I call the telephone banking number, I was initially told this should not be a problem and I should go back to the branch. I go back to the bank branch prepared with my legal documentation, again I was denied the ability to change my name without all of the other signers. The issue is, my father who is on the account, works out of state and there are no branches where he works. I call the telephone banking number again, I was told there is no way around this, but was told I could close my account with only my signature. I was also told this at the branch. Why I would want to close my account of 20 plus years and open a new XXXX, is beyond me. Especially when it would not fully resolve the issue, my name is on other accounts and I will not close my parents bank account. Bank of America offered to mail me a form to complete, I called twice on this form and kept being told " The form is on the way, give it time '' 2.5 months later, I am still waiting on said form. Bank of America 's policy on this is asinine, all I want to do is change my bank account to my legal name. I have done this same action with other financial institutions and all it required was a phone call and a form, no other account signers required. Bank of America 's policy is outdated and a major inconvenience to consumers and they offer no viable solutions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: CITIBANK, N.A.
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a promotional account with Citi bank ... ..After meeting all their requirements ... ... They are denying me of my rightful bonus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-27
Company: Experian Information Solutions Inc.
State: TX
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:
REMOVE ALL PREVIOUS JOBS

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 2020-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my application are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$1100.00}

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 2022-03-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Dear Sir/ Madam, My hardship began after moving back to states in XX/XX/XXXX with our XXXX children and husband. My husband was employed overseas for almost decade but faced health issues upon arrival to the states. I was not working for 10 years ( raising our children and supporting my husband ) and with my husband not being able to find work related to his field and having respiratory problems- I secured a job to make sure that we had control of our finances. Up until moving to the states, my husband 's income as enough and we were able to pay our mortgage, and 6 credit cards on time. From the time that I started working I able to continue the maintenance of all our debt. Its was not until XXXX of XXXX that my company started laying off their employees. I survived the many waives of reduction in force- however there was a reduction in loan volume and ultimately a reduction in my bonus and commission income. It was starting to become really difficult juggling all our debt in a timely fashion and still put food on the table while keeping our lights on. I reached out to my credit card companies and explained my situation. I had 3 accounts with XXXX and after a few calls they quickly worked out a plan where they reduced my interest rate to 0 % for 5 years and a low payment plan to be paid automatically. I called up my mortgage company and they paused my mortgage because my hardship was COVID related. I had no success with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: EQUIFAX, INC.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The loan was current at the time of deferral provided by the FHA. The loan went into deferral in XXXX. XXXX has reported the loan to be 120 days past due in XX/XX/2020. My mortgage servicer is required to report my account as current during the forbearance period to the Credit Reporting Agencies per guidance from FHA and HUD. I am requesting XXXX to remove the past due derogatory flag from my credit report from all three agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On the closing date XX/XX/XXXX Billing rights Statements it states If you think there is an error write to us. see Exhibit B when I wrote to that address 3 different times to XXXX XXXX TX I never got a response. Which is deceptive, also it states We can not try to collect the amount in question or report you as delinquent on that amount, that is false because American Express reported me delinquent twice one in XX/XX/XXXX and XX/XX/XXXX at those months my entire balance of {$24000.00} was in dispute and in question.They also harass me almost on a daily basis via text messages, emails and phone calls about making a payment it got so bad I asked them to please stop texting me because they did not want to talk about how can they resolve the problem they only wanted to talk about making a payment and even suspended my account for no reason. They actually got upset with me because I continue to ask for information concerning my billing statements and the fraudulent late fees charges and fraudulent increase in the trigger APR interest rates fee charges. Its also states you will not have to pay the amount in question or any interest or other fees related to that amount, which is also false, the interest rates was increased to a higher interest rate when the late fees was added the my balances, which caused my balance to be excessively high. Therefore the balance of {$24000.00} is false which occurred due to American Express rolling over a pay overtime portion balance of {$5300.00} on the XX/XX/XXXX billing statement in which that balance was paid off, instead American Express continue to roll over the pay over time portion of the above amount continuous month to month on my billing statements and often adding late fees that triggered the APR interest rate to an higher rate that increase my balance to an higher balance over a couple of years. In XXXX XXXX XXXX continue to question about my late fees, when I was never past due being a loyal paying member for over 24 years never been late making a payment and I also continue to ask why was my balance so high, with no response from American Express. I called American Express on XXXX XXXX around XXXX and spoke with XXXX in customer care services I asked her about the amount that is due on XX/XX/XXXX for {$2800.00} she immediately said I have to pay that amount on that day, I told her that amount is incorrect because it has late fees and increase interest APR rates she told me to hold on she will transfer me to a supervisor, she never came back to phone and neither did anyone from American Express returned my phone calls which this is a pattern of American Express customer care services not coming back to the call or returning my phone calls. Very bad customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: Debt Recovery Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Hi I recieved a bill that was orginally from XXXX hospital, the bill is for my sister XXXX. I am not her guardian or parent and I am not responsible for that bill my father should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Other

Complaint:
I have a 0 % promotion on my Bank of America credit card. New charges are charged at 16.9 %. I make sometimes XXXX or more payments and pay in excess one hundred dollars additional or more on my account monthly in order to pay off the new purchases. Bank of America was posting the additional payments to the 0 % promotion and not to the new purchases with higher interest rates. Therefore ' leaving me to pay interest incorrectly. I spoke to several representatives and was told that Bank of America was aware of the error and was working at appropriately applying the payments and would have the additional incorrect interest credited back by XXXX. I called Bank of America again on XXXX XXXX and the representative seemed to have no clue of the issue. I asked for a supervisor who initially seemed clueless and finally told me the changes would reflect in XX/XX/XXXX instead of XX/XX/XXXX now. 

I have made numerous calls to Bank of America in regards to this issue and have been continually put off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: The CBE Group, Inc.
State: CA
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 asked, DEBT VALIDATION to XXXX XXXX thiscollection account.They do n't have a any evidence belong 's to me. 
XXXX reported on XXXX Credit Bureaus on XXXX/XXXX/2014.I requested remove wrong item more thanXXXXtimes, XXXX times called.My Credit score or credit statement is damaged now

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Sent my first formal complaint letter to Capital One back on XX/XX/XXXX requesting to move the inaccurate 30 day late from XX/XX/XXXX on account # XXXX. I sent it via USPS Certified mail ( # XXXX ) and also stated that per FCRA sections 611 ( a ) ( 1 ) they were to respond to my request within 30 days of receiving my request. I never got a response back from them, not within the 30 days that I sent out that letter. even used USPS tracking and have confirmation they received my letter, properly delivered to them. I wrote them another letter on XX/XX/XXXX and shortly after got a letter from Capital One saying they did n't know what account it was, and I did n't give them enough information in my dispute. My account 's late is still reporting inaccurately and negatively on my credit report and they are in direct violation of the FCRA. I do not want to keep writing dispute letters to them and re-sending the same documents and proof of my initial request sent via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I believe the company LoanMe is out of compliance with AB-539, the Fair Access to Credit Act. The interest rate I am being charged is 135 %, far above the state cap of 35 %. I have sent an inquiry to LoanMe, but they have not answered me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX I placed a print job order at XXXX XXXX , Store # XXXX, on XXXX XXXX in XXXX, AL. I did not notice that the store overcharged my bank card until a month or so later when I was reviewing my bank account statement. 
I never spend over {$10.00} when placing an order at XXXX XXXX, but the charge on my bank card was for {$160.00}. I called the local store and the corporate office in an attempt to have the error corrected and the money refunded to my card, with no resolution. 
By the time I was able to get to my bank to notify them of the charges, too much time had lapsed and the bank could not assist me in recouping my money.

Company response to consumer: Closed with explanation