BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I deposited a Credit card Bank Check at BOA - ( in my name ) however It was from an older batch of checks they sent prior to me losing my credit card. Needless to say the check was returned. I was good with that  however they closed my account and threntened to report me to the bad check agency. When i asked about the threat they said they would not do that. Turns out they did report me so I was lied to. I would like to re-establish a new checking account. I have 23 years at XXXX XXXX  in good standing never bounced a check or was overdrawn for that matter. Because of the bad report I can not open another account anywhere! I'm beyond mad at this point. 

Ps. 

I have over {$180000.00} in a Bank of America ( XXXX XXXX ) account which they completely ignored

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 2021-12-14
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Santander Bank refutes to let me bank online because it repeatedly and adamantly demands that I give it a cellphone number! I have repeatedly stated to the branch manager, XXXX, New Jersey, that I do NOT have a cellphone and so do not have a cellphone number. I repeatedly stated that I have given the Santander Bank my land telephone number, my Social Security number, my driver 's license number, and my home address!

But still the Santander Bank is not at all satisfied and continues to demand what I do not have!

This is absurd and preposterous and XXXX and XXXX and lacking in all common sense and sound judgment!

In short, the Santander Bank for the reasons given is being totally and completely XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXXXXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I 've pulled my credit report and found incorrect collections other collections have been paid and disputed. I 've also lowered my credit obligations significantly in the last few months with little or no increase in my overall credit score, I 've paid my credit card down to less than XXXX % utilization and paid another account to XXXX % utilization which is a furniture account I 've paid all outstanding collections to XXXX yet my score remains at XXXX I believe a perfect score is XXXX I have XXXX collections I paid so we 're saying I 'm losing XXXX points because of them.. Really!!! I 'm having issues with calling to customer service because they do n't seem to understand what I 'm saying because there in the XXXX and I do n't feel I 'm getting my point across with issues like reporting the same debt on XXXX different accounts ..I getting frustrated dealing with them as I rely on them for accuracy when I 'm finding errors and them dragging their feet in correcting them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: NY
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:
this complaint is on XXXX XXXX XXXX 
this company has closed my account. in XX/XX/2021 i tried calling to settle this debt with them but was informed that the debt was sold to a collection agency.my complaint is that they have not listed the debt collector 's information. they continue to report negative remarks on my credit report every month. 
they have listed this account as charged off as bad debt profit and loss write off. 
who is the company that now holds this debt? I've checked my credit report with all 3 bureaus and there's no collection agency being listed. but on my credit report XXXX XXXX has it as its in collection .i am trying to repair my damaged credit and i can't do that if i don't know who the collection agency is

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: Incomm Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I travel to XXXX Florida on a weekly basis. When Im there I stay at my parents home and purchase a {$50.00} gift for each night that I stay. My mother tried to use the gift cards and they were denied. The company website to check the balance is down and so is their telephone. We have 9 {$50.00} gift cards that do not work. The company is Vanilla gift cards through Visa. There are numerous complaints about the same thing happening to other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: AFNI 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: Their investigation did not fix an error on your report

Complaint:
I have been trying to resolve an account with the company AFNI, inc. The account number with AFNI is : XXXX. I have written a letter in XXXX of 2020 to this company regarding rectifying this account and I have not received a response. I have also sent letters in XXXX, 2020 asking for verification and method of verification for this account. THIS COMPANY DOES NOT RESPOND TO MY LETTERS. 

I have also disputed this account with XXXX  and XXXX  both online and written letters. This account was disputed in XXXX of 2020, and nothing has been done to rectify this. The account number for AFNI on my credit report is : XXXX. This account with AFNI has been removed from my XXXX   report. This account is inaccurate and falsely reporting because it is not a validated account according to the FCRA and has already been removed from my XXXX report because of this reason. I am requesting that the item be deleted to correct this information. Please do a full investigation of this item and delete disputed item as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
1. Spoke to Bank representative mid- XXXX, discussed end of forbearance options. 

2. Was explained the deferred option and was given the interest rates and payments. 
3. Was suggested to select deferred option but delay finalization until end of month to see if other changes or options may become available. 

4. Called back on or about XX/XX/2021 to get update on program, was told I was not eligible for deferred program. Called on Monday, XX/XX/XXXX, was on hold for 1 hour then disconnected, and called next day. 

5. Resumed automatic payments on XX/XX/2021, Payment were returned, received notice that I must make all forbearance payments. 

6. XX/XX/2021 received notice from my bank stating the XXXX payment was returned,

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 2019-12-20
Company: Best Loan Service, LLC.
State: OK
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:
After submitting bad review over the customer service I received there was an open line of credit added to my account and then one of the employees attacked me under my review online .

Company response to consumer: Untimely response
Consumer complaint received 2019-12-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/19, USAA Bank called my husband, and after he clearly identified himself, they disclosed false private banking information with him.  Specifically they told him that my account was past due (there was no amount past due, the account was over the limit, but no amount was due), and attempted to get him to pay the "past due" amount on my behalf.  My husband is not a co-signer on this account and I have not authorized him to have any access to this account.  I've requested a written response as to why USAA violated my private banking information and why they shared that information with a non-authorized party, and more specifically why the representative made a false representation to obtain a payment.  USAA has refused to respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A medical debt through a 3rd party collection ( Consumer Adjustment Company ) was placed on my credit profile without my consent from all 3 Bureau 's. I sent a dispute letter to have these negative items removed. I received responses as account verified and accurate. You have updated my credit report Without investigating my credit. XXXX I never signed a HIPAA Release Form with these unknown creditors XXXX The Privacy Act and HIPAA Laws protect personal and Medical rights information from being Distributed without knowledge and verbal or written consent. After your investigation, have these unknown creditors removed from my credit report. This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: Early Warning Services, LLC
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
On XX/XX/2017, I sent Early Warning a procedural request letter, citing FCRA section 611. I sent this request letter via Early Warning 's Consumer Services online portal. I have confirmation that Early Warning Consumer Services employee XXXX viewed and downloaded my letter on XX/XX/2017. 

Per FCRA section 611 ( 6 ) ( B ) ( iii ), Early Warning should have responded to my letter, no later than 15 days after receiving my request. I did not receive a response from Early Warning pertaining to my request letter dated XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXXXXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2019-12-20
Company: U.S. BANCORP
State: UT
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:
On XX/XX/XXXX, I sent a Certified Mail letter to U.S. Bank National Association, issuer of my U.S. Bank Secured Visa credit card, requesting that the Visa account be closed. The Visa credit card was enclosed with the letter. At the time of the letter 's mailing, the Visa account had a balance of {$0.00} and the Secured Savings Account ( securing the Visa card ) had a balance of {$1800.00}. 

On XX/XX/XXXX, U.S. Bank sent me a letter stating : 1. " Your account is currently closed. '' 2. U.S. Bank had started a holding period of 32 days on the account to allow " ... time for all transactions to post. '' 3. The account " ... will be reviewed on XX/XX/XXXX ... '' to determine whether or not any of my Secured Savings Account balance of {$1800.00} would be returned to me. 

Finally and as of today, XX/XX/XXXX, the online account page shows the " Available Credit '' to be {$0.00} and the " Current Balance '' to be {$0.00}.

In summary, U.S. Bank : A. Is in possession of the Visa credit card.

B. Has closed the Visa account.

C. Has set the " Availble Credit '' to {$0.00}.

D. Shows the " Current Balance '' to be {$0.00}.

Despite all of the above, U.S. Bank insists on retaining my {$1800.00} Secured Savings Account balance until after the account is " reviewed '' on XX/XX/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 non-monetary relief
Consumer complaint received 2020-06-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hello, On XX/XX/2020 I checked my account balance online with Chase. At the time my balance was XXXX ... I went ahead and did a XXXX transfer from my XXXX account in the amount of XXXX for a check that was written but had not been cashed. When I updated and the transfer was complete there was over XXXX dollars in the account. I check my balance today it seems as if they backed out charges including my XXXX and updated charges and put them in a different order and it caused for me to have three separate NSF fees which I should not have had. I have alerts set up for when my account has a low balance via text and email. I never received it because my account was not below the threshold. I need my money to be placed back on my account during times like this banks should not be using their systems to steal money from their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I believe some identify verification information may be incorrect, because Im unable to access my credit report online. I called Experian to get help with this, and accidentally froze my credit report from their XXXX  XXXX, and now I cant unfreeze it because I cant log in and though their phone recording and web content say you can unfreeze via the phone, there is no actual way to do so via the phone numbers provided. 

Ultimately, I want my identity information corrected so that I can do online ID verification for this and other unrelated services that rely on credit check for login, but I imagine I have to unfreeze my report first. 

Thank you.

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 2017-02-23
Company: Nelson Cruz & Associates LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Today I received a call from Nelson Cruz & Associates XXXX where they left a voicemail regarding a " pending legal matter ''. They provided a case number of XXXX. I returned their call to ask for more information and they committed several violations of the Fair Credit Reporting Act. 

Here is the list of violations that they committed : 1. They told me I had a " legal case number '' ( listed above ). I asked if the lawsuit was filed in Federal, State or County court. They then said there was no lawsuit filed. 
2. They also allegedly recorded the call without my consent. 
3. They attempted to re-age my debt. Specifically, they told me the last activity on the account was in 2011. This is untrue. Also, they stated that the statute of limitations for a breach of contract is 7 years. This is also false. The SOL in XXXX is 5 years, XXXX is 3 years and XXXX is 4 years. The statute of limitations has expired and the debt is not collectable. 
4. They stated that they were going to garnish my wages. I asked if they filed a lawsuit again and a man named XXXX XXXX proceeded to scream and harass me and threatened to garnish my wages. He said they 'd see me in court but would not provide me any information. 
5. I asked for their address to serve them written correspondence via certified US mail and he refused to provide the address. He then proceeded to make more false and misleading statements and misrepresented the details of my account in an attempt to intimidate me. 

Based upon the threatening tone of XXXX XXXX, I am now in fear that this company may use my personal information to exact " revenge '' on me and possibly even try to steal my identity or use my personal information for other nefarious purposes. 

I also did an online search of this company and it seems that they 've been using illegal tactics to collect debts from many people in various states. 

From my search of the XXXX Comptroller 's website, here are some of the people involved : 1. In house counsel/registered agent : XXXX XXXX XXXX, XXXX. ( XXXX Bar No : XXXX ) 2. Managing Member : XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Please look into this company as I am sure they are victimizing many good hard working people with their deceptive practices. 

Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
My name is XXXX XXXX. I have been a Bank of America client since XXXX. With an impeccable credit record within the bank. 

In XXXX I was the target of a bank scam. Since a person deposited a check to my bank account and Bank of America credited it to my account immediately. 

The person identified with the name of XXXX XXXX made a deposit with check No. XXXX on XX/XX/XXXX from XXXX XXXX to my Bank of America account XXXX for {$9700.00} ( see attached file ). He told me it was a mistake of his assistant. He sent me a copy of the deposit and my bank did too. He requested the return by XXXX. Seeing that the money was credited and available in my account, I assumed that it was really a mistake and I was prodceed to return the money in XXXX transfers through XXXX for the amounts of {$3000.00}, {$2900.00}, {$2700.00} to email : XXXX in the name of XXXX XXXX ( see attached files ). Later, on XXXX, XX/XX/XXXX, the money {$9700.00} was decredited from my account, since the check had been canceled. I notified my BOFA bank, the operator told me that I should write to the FBI and I did ( see attached file ). 

To this day I have never received a response from Bank of America. 

I recently read in the news that US senators are forcing banks to return money to customers because these XXXX transfers are considered authorized by the customer but induced by the bank by showing the customer as available money that has not yet been approved.. 

Also, I have read in the news that in New York, a federal judge forced Bank of America to return the savings to all customers who were the target of bank scams for the benefit fund. 

In this sense, I want to clarify that I am a XXXX XXXX XXXX XXXX XXXX XXXX I work for a XXXX XXXX and I earn my money honestly and it seemed unfair that unscrupulous people carried out this fraud and Bank of America did not issue any communication. There was no response. 

In XX/XX/XXXX I was at a Bank of America banking agency in XXXX, XXXX, I made my claim again and I was practically mocked for what happened to me. 

Attached to this communication all possible evidence and the XXXX Complaint Referral Form, Internet Crime Complaint Center ( FBI ).

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