BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I had  XXXX  credit cards with Bank of America, both were Visa cards, one ending in  XXXX  and the other in  XXXX . Both were issued in  XXXX .
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Both credit cards were always in good standing, and were always paid on time. I also never went over the credit limit on either one of my credit cards, and they were used frequently for basic needs, and always paid on time.
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Between XX/XX/XXXX  and XX/XX/XXXX , Bank of America closed both of my credit card accounts without any notification whatsoever. Notifications were sent afterwards, which I received today. I still have a balance on my cards, but can not use any of them. Now, this information will adversely affect my credit which I have been working on rebuilding for years, and  XX/XX/XXXX  accounts will be listed as closed accounts. If I had been given the opportunity to pay off the balance in order to at least keep the accounts open to build " credit history '', as most credit scoring systems consider this an important factor on building credit, I would have paid them off. But the opportunity was not given, nor was any notice given prior to this occurring.
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According to the letter received today, but dated  XX/XX/XXXX , the date the accounts were closed, the decision of closing these accounts was based on " account history, your total relationship with us, current economic trends and a copy of your credit report ''. I have been a Bank of America customer for almost a decade, if this was based on my credit report, a recent negative account was added which was immediately disputed and this particular agency issued a corrective letter to expunge/delete my records from all  XXXX  credit bureaus. The letter is attached to this complaint. This decision was made blindly, without regard to the consumer, me, or every other consumer they have done this to. Now, I have to pay for this decision in the form of bad credit.
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Whether or not this is a violation of the CARD Act, which requires any " significant change '' to the account to be notified 45 days prior to the change, I do n't know nor am I an expert. What I do know, is a large population of us living in this country are struggling to upkeep our credit, and yet, we have yet another financial institution hurting people financially, and hurting their score despite payments being made on time, yet ironically labeling themselves with the name of the country they are supposed to represent : America.

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 2021-11-16
Company: Synovus Bank
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX XXXX XXXX XXXX total amount was {$150.00} and now {$57.00}. 
This account was opened on XX/XX/XXXX. 4 years and 10 months ago. I have no knowledge of this account. I have not paid on this account because I was not aware that it existed until I checked my credit profile. I have not received any billing statements from this account in mail or email. The account does not belong to me. I have requested a numerous of ID criteria, proof of verification from the company and all three credit bureaus ( XXXX, XXXX and XXXX ) and have been denied all adequate documentation. The account is closed but yet is still being reported as a delinquent account payment, which is causing harm to my credit and XX/XX/XXXX score, preventing me from getting approved for other financing. I have disputed this account repeatedly for 1year. The company refuses to show any documentation that the account verifiably belongs to me and I know they can not because it does not belong to me. This account is a fraudulent account and I asked the company to remove it on several occasions along with the all three credit bureaus. I have filed a local police report and filed a complaint with all three credit bureaus and placed fraud alerts on all accounts. This is causing harm to me psychologically, mental and emotionally this is causing stress and unsettlements financially. Because of all the fraud alerts it now makes it harder to get any financing, on XX/XX/XXXX XX/XX/XXXX, car, and housing. This is too stressful for {$57.00} that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: WELLS FARGO & COMPANY
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was attending college at XXXX XXXX, back in XX/XX/2014. When I had stopped at a gas station to make a with draw from my checking account I with drew XXXX   dollars and still have my receipt for when I last used my account that day. I reported my card stolen the moment i found out the bank was trying to reach me at my house phone, I wasn't there nor able to get to the call until I went to the bank and found out my account was negative at a outstanding negative balance,. I said that cant be I had over four thousand dollars. i had looked for my debit card every where but couldn't find it after my last transaction. I have my police report and i filled out two identify theft packets at the time in the year of XX/XX/2014. I can assure you that no one else had my pin nor i shared my bank info with anybody. i have talked to various lawyers about this case on coming to a resolution with the bank and being able to get a subpoena, to try to check the atm cameras on who really made these transactions. i also spoke with a detective from fraud over this matter but than he also got bored of trying to help me fix this problem like if he didn't want to deal with it no more. the bank sent me a statement of the transactions that were being made and i showed the detective of all the ones i don't recognize which was the majority. the fraud checks that were deposited are not my signatures, i showed the detective everything that would be able to help me in this case. i still to this day don't like my money sitting in the bank due to this matter i got robbed by someone who committed fraud on me and i hope to come to a resolution with the bank because the bank only acknowledges the negative balance on the account but not the money that was in the checking account before it went missing. therefore im not paying the negative balance because this is fraud and can assure you i will not rest until this is solved and every one is happy. like I said till this day i haven't been to the city where all these transactions took place. and as i recall wells fargo was going through a crisis at that time of year where fraudulent accounts were being created by employees who worked for wells Fargo.

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 2022-04-26
Company: EQUIFAX, INC.
State: FL
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:
Inaccurate and a fraudulent account reported from my credit report. Contacted debt collector asked for proof of the alleged debt, specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting a misleading false account. This account was XXXX - XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: IL
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:
The list of accounts Below has violated my federal protected consumer rights to privacy and confidentiality pursuant to the FCRA codified at 15 U.S.C 1681 b ( a ) 3 ( f ) ( i ). 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am willing to settle for {$1000.00} in civil liability damages I have suffered as a result of your violation persuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S C. 1681n ] , or Deletion.

Should you refuse to settle or Delete within ten ( 10 ) calender days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

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 non-monetary relief
Consumer complaint received 2017-11-29
Company: TRANSWORLD SYSTEMS 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:
I have been sent a letter in regard to a debt collection for a debt that I did not incur. The original debtor has not validated the debt and was over a time period I was not employed by the original debtor. The dates were provided and proof of other employment during this time. The dues were billed when I was employed by another organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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, XXXX XXXX am submitting this on my behalf and no third party is involved. 

I, XXXX XXXX has noticed that Transunion has reported an adverse account on my consumer report. I have a right to privacy and have not given Transunion direct consent to report such account on my consumer report. Transunion has violated my rights pursuant 15 usc 1681b ( 2 ). An identity theft report was filed and proper documentation has been given for identification.12 cfr 1022 regulates the credit reporting agencies. By law, these agencies must follow the code of regulations in which Transunion has not. The adverse account under investigation should have been deleted in 4 days and was not pursuant federal law. Show me validation and proof the account is valid in your response. I will not comply and accept any further objections to my request. No consent has been given to your credit reporting agency.

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 2021-11-16
Company: NAVY FEDERAL CREDIT UNION
State: TX
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:
Navy Federal mailed out my Visa Platinum card and either it was lost in the mail or they had mailed it to the wrong address, I did not receive the card and fraudulent transactions were made on the card by some unscrupulous person in the amount of XX/XX/2021 {$3200.00} XXXX XXXX XX/XX/2021 {$1000.00} XXXX XXXX XXXX I contacted Navy Federal Credit Union and they refused to do a adequate fraud claim. I called both companies my card was fraudulently charged at and they agreed to refund the money if they receive contact from Navy Federal Credit Union but instead they disrespect me and hang up the phone on me when I call and saying I have to pay the fraudulent claim. It is terrible over there. The credit union misled me about its debt collection practices and also unfairly froze customers out of their own accounts without adequate warning, affecting me and also canceled my Visa signature rewards card without me knowing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2022-04-26
Company: Chime Financial Inc
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I bank with Chime and have been for 4 years now. Never had an issue with them until this happened. XXXX XXXX I filed a dispute for returned merchandise. XXXX XXXX I received an email from chime stating that my dispute was approved and the amount of {$850.00} would be posted to my account. Well it was never posted to my account. I called chime on the XXXX and they said that the issue would have to be escalated to the investigation department. Its been almost 10 days and Ive yet to receive an update or my money. Ive called everyday since the XXXX and they keep giving me the same story well have to escalate it again and itll be 24-48 hrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Big Picture Loans, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
A man named as XXXX XXXX, PH : XXXX from XXXX XXXX XXXX Reference No : XXXX and said he was an attorney. He called my employer on XXXX-17 at XXXX and spoke with XXXX XXXX in my company 's HR office. He told her that they were on their way to arrest me and serve me with documents and if I did n't contact him immediately and they would disrupt the whole office. I was to contact him immediately or would have to appear at the jail. I phoned this number on XXXX-17 and XXXX XXXX thought I was XXXX XXXX and was threatening to come into my office to take me to jail. These people at XXXX XXXX have contacted me before at my employer workplace phone number to try collect on a payday loan with Castle PayDay Loans. This loan had been paid several years ago. They would never send me verification of the debt and I informed them several times that I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Alorica Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls me daily for a debt that is owed by someone else. I began tracking the calls on  XXXX / XXXX / 17  but was able to locate some prior calls before that date on my cell phone and below is a log of the call to my home and cell phone :   XXXX  17   at   XXXX   XXXX   XXXX  17 at   XXXX   XXXX   XXXX  17 at   XXXX   XXXX   XXXX  17 at   XXXX   XXXX   XXXX  17 at   XXXX   XXXX   XXXX  17 at   XXXX   XXXX   XXXX  17 at   XXXX   XXXX   - I asked them to stop calling me   XXXX  17 at   XXXX   XXXX   XXXX  17   at   XXXX   XXXX   XXXX  17 at   XXXX   XXXX   Again, they are not calling me for a debt I owe but for someone that I know. I have asked them to stop calling me but they continue to call every day.

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 2017-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
This XXXX had a carryover balance since approximately XX/XX/XXXX. I was making more than minimum payments. On XX/XX/XXXX I paid the full amount due on this card in the amount of {$1600.00}. When the payment cleared my bank I checked the balance on this account and it reflected {$0.00} due.
On Monday, XX/XX/XXXX I called the customer service line and said I paid off this account and I do n't understand why I now have an amount due of {$12.00}. The rep said it was for " residual interest ''. I stated I never heard of such a thing and asked for this charge to be reversed. She said she could n't do it. I called again to the customer service line today, XX/XX/XXXX and again asked why I was being charged this fee. He said it was " easily missed '' if you did n't know about it. I explained that I have had this card since XX/XX/XXXX and carried balances before and then once paid in full I did not get hit with " residual interest ''. Again he said it 's easily missed. I asked for it to be reversed, he said he could n't. I then asked for a supervisor. This supervisor was rude saying I was going to ruin my credit if I did n't pay it. I said it 's a " scam '' and I refuse. If this fee is " easily missed '' then the bank is counting on consumers just letting it go without a complaint. I 'm not willing to do that. This is a hidden fee and I do not like being taken advantage of. I told the rep I am a very good customer and it would be a shame for the bank to lose me as a customer over {$12.00}. He said it was up to me if I wanted to see my " credit go down the tubes ''. I stated that I have other charge cards that carry a balance and once paid in full I do not get hit with hidden fees. Any assistance you can give to get this reversed is greatly appreciated.

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 2022-08-04
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Several weeks prior to today XX/XX/2022, I talked to US Bank about making sure my accounts did not get over drafted so I wouldnt get fees. She assure me that they would not. Fast forward to today XX/XX/2022, I noticed my checking account was overdrawn because a reoccurring debt that I have set up for auto draft was pushed through I called customer service they said well sometimes that happens anyway and youll still get an overdraft fee but theres nothing we can do about it I said that makes no sense how can you tell me that its all shut off and I opted out of it so I wouldnt get fees and here they are still forcing certain transactions to go through so you were forced to pay fees and become even more in debt to me that seems like theft.

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 2017-06-01
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted professional debt mediation several times concerning a debt in the amount of {$1000.00} that is not owed to  XXXX   XXXX . This debt was paid on  XXXX   XXXX ,  2016 . I have provided all the proof required via email to both PDM and  XXXX   XXXX , but both companies refuses to take action and cancel out the debt.

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 2022-03-21
Company: ENCORE CAPITAL GROUP INC.
State: MA
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:
Hi, I was in a relationship for 15 years with the father of my children. He was a XXXX XXXX. He has died. I never knew that he had ahold of my social security number and he had many different friends that I believe someone may have opened this card in my name. He would steal from me on a regular basis but I never knew how deep it really was. I hadn't wanted to deal with this because there are alot of different scenarios of why. It also brings up lots of emotions. I have XXXX children and am a XXXX XXXX XXXX XXXX who has credit and pays my bills on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-01
Company: Pacific Coast Legal Services, Inc.
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
A man named as XXXX XXXX, PH : XXXX from Pacific Coast XXXX XXXX No : XXXX and said he was an attorney. He called my employer on XXXX-XXXX-17 at XXXX and spoke with XXXX XXXX in my company 's HR office. He told her that they were on their way to arrest me and serve me with documents and if I did n't contact him immediately and they would disrupt the whole office. I was to contact him immediately or would have to appear at the jail. I phoned this number on XXXX-XXXX-17 and XXXX XXXX thought I was XXXX XXXX and was threatening to come into my office to take me to jail. These people at Pacific Coast have contacted me before at my employer workplace phone number to try collect on a payday loan with XXXX XXXX XXXX. This loan had been paid several years ago. They would never send me verification of the debt and I informed them several times that I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a charge on my credit fro m Southw  est Credit i n the amount of  XXXX . They said that it is from an alarm company which we had but when I asked what the charges are for they ca n't explain that to me. I asked them to remove the charges if they ca n't explain what the charges are for and they said they would not.

Company response to consumer: Closed with explanation