BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
Bank of America stated that they would assign me a representative regarding an ongoing complaint. However, when I called, they referred me to someone else who has to quickly research the case with little or no prior history of my case. 

The latest one is XXXX XXXX, who has been recently assigned to assist me. He did not leave an extension number. I tried anyway and was referred to someone else. I asked for XXXX XXXX and was told I would have to make a phone appoint which is a week later.

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 2022-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX XXXX, I was out of state. I tried to use my debit card and was declined. Which I had plenty of funds to support this transaction. So I tried to log into my account and was locked out. I called the XXXX number and they wouldnt give me any information. As I said I was out of state, so I flew out the next day. Not knowing what was going on. I have been with Bank of America four over 30 years. As soon as my flight landed, I went straight to my local bank.I talked to the bank manager and he called to see what was going on. When he got off the phone he told me I deposited a fraudulent cashiers check. And the cashier check didnt belong to me. Right away I started crying, I was so sick to my stomach. I have never committed a crime in my life. I explained to him the cashiers check was from a trust from another bank, and it was left to me by my godfather as an inheritance. I left the bank and got documentation stating the money belonged to me. Went back to the bank. They said they would accept this document, but I had to get it notarized. Which I had to pay XXXX dollars out of my pocket. Then went back to the bank. They faxed it over, and told me to call the next day. I called the next day and they said they closed my account and told me even with supporting documents it was still fraudulent. I said I dont care you closed my account, but you cant accuse me of such a horrendous crime and not give me any evidence. This is such gut wrenching to be accused of bank fraud. On XX/XX/XXXX I had the attorney that worked on this trust call Bank of America, and said they couldnt talk to him without me being present. So I called them to see if I can give them the okay to talk to him but they said no. At this time we are unable to get together. Hes going on vacation and wouldnt get back until XX/XX/XXXX. He wanted to let the bank know exactly what XXXX XXXX  bank said. That the cashiers check belonged to me. He is willing to write a letter or submit any documents he has to support me. If you want more documentation. I pressed for information why they were accusing me of bank fraud. I wanted answers. No one ever deserves to be accused of something they didnt do. Then they tried back peddling. Were closing your account. Its a business decision. No, you accused me of bank fraud, and I want to know why. Even when I had the bank submit documentation supporting your allegations. You shouldnt be able to get away with this. Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: AZ
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:
I believe my personal information was compromised there are unauthorized and unverified fraudulent inquiries reporting on my credit reports XXXX XXXXXXXX/Equifax ) I have not applied for anything and these need to to be removed. 

Equifax XXXX, XXXX. 
Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
When I opened my citi gold checking account with Citi I was told I would get XXXX XXXX airlines miles if I met certain conditions. I chatted with a citi representative during the promotional period and they said I had met all but one of the requirements, an online bill pay, which I proceeded to then complete on XXXX XXXX. I still have not received the miles and I have contacted Citi 4 times over the course of a month about the issue with no resolution or even response from the appropriate team. I will attach the promotion details, the conversation I had with the citi representative promising the miles if I completed the bill pay as well as the statement showing the bill pay on XXXX XXXX. I have also attached the XXXX statement showing that I met the other requirements, but the rep conversation should be enough to show that those requirements were met.

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 2022-04-18
Company: JPMORGAN CHASE & CO.
State: CO
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:
I filed a credit card dispute with Chase on XX/XX/XXXX regarding XXXX XXXX 's refusal to allow us to board a plane from XXXX, XXXX to XXXX XXXX. The airline also refused to refund our ticket value when denied boarding. There was disagreement and conflicting information about whether we needed another visa to enter XXXX. The amount of the charge was {$1000.00}. I went through the dispute process and provided copious amount of documentation defending my case. XXXX responded with documentation of their own. On XX/XX/XXXX I discovered that the charge once again was on my account. I contacted Chase and they asked me to provide our further documentation to further support my case which I did immediately. Soon after the XXXX I received a letter from Chase dated XX/XX/XXXX and ( most importantly ) postmarked XX/XX/XXXX telling me that me that I had until XX/XX/XXXX to respond to XXXX 's allegations. Subsequent calls to Chase about the case informed me that I missed the time to respond and, as a result lost the case. The most recent comment from a Chase supervisor, XXXX XXXX, was " the fact that we sent you notice too late for you to respond doesn't have anything to do with it ''. My argument is not the validity of the dispute with XXXX although I believe the dispute is still valid. My dispute is with Chase and their failure to give me any time to respond to finish the dispute process. As a result of Chase 's failure to adequately inform me in a timely fashion of my further dispute rights I missed a deadline and the case was closed. I am not trying to get the entire {$1000.00} back but the half that I did not use or {$540.00}. Chase acknowledged they sent the notice too late but, at the same time, said it wasn't their fault. I have a large amount of documentation about the dispute itself but my complaint is about Chase making it physically impossible for me to respond per my rights and, most importantly, not taking responsibility for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
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: Public record information inaccurate

Complaint:
Hello, I am writing to complain about ALL THREE CREDIT BUREAUS. They are illegally reporting a XXXX XXXX XXXX on my credit profile. I have sent numerous letters asking for the method of verification of the bankruptcy but they have ignored my request which is A VIOLATION! I even reached out to the courts and they advised they have not released any of my personal information to the credit bureau. This is illegal and I will sue for all possible damages. How are you guys reporting an unverified account? Also, I saw numerous FCRA Violations as well. Everything isn't reporting the same across the board 100 %. I'm not showing the court name across the board and the filing date is wrong. There is so many errors on this report is not even funny! Remove this unverifiable account NOW

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 2016-11-27
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Balance transfer

Complaint:
I have an XXXX AAdvantage Citicard because I want to earn miles on my purchases. I recently took advantage of a balance transfer offer to remodel our kitchen and we made a transfer of {$15000.00} on XX/XX/XXXX. The 0 % interest balance is good through XX/XX/2017. Since then I made my monthly payments to cover my purchases and pay part of the balance transfer. I discovered I was being charged interest and the amount listed on the statements for the balance transfer was much lower than expected. I called Citi customer service to find out what was happening. They said the balance transfer offer stated that any payments made would be posted against the lower interest rate first. So in other words, to avoid any interest I would have to now completely pay off the balance transfer before they apply payments against my purchases at the higher rate! This is completely backwards! I realize this is what I blindly signed up for now, but this is completely anti-consumer. No one would expect it to work this way and I find this quite deceiving and quite frankly stupid on Citi 's part ( except they benefit by charging interest ). The rep told me I should n't have used the card for purchases, but just for the transfer. Why would a credit card company NOT want me to use my card for purchases? So now I 'm trapped, with no other option, but to transfer my entire balance out to another card to avoid paying any more interest. This has now cost me {$470.00} for the first transfer fee, {$70.00} interest in XXXX and {$97.00} in XXXX. It 's also costing me another {$720.00} to transfer my complete balance out of Citicard. My wife and I both have the AAdvantage cards and we used them as our primary cards, putting thousands on them each month and paying the balances each month. We WANT to use the cards for purchases, including utility bills, phone, etc. as we WANT to earn miles with XXXX. Why would a credit card company NOT want me to use their cards for purchases? If this does n't get resolved, then Citicard will have lost XXXX consumers for life and we both lose, me and Citi. For now, we have ceased using our cards unless we can come to a resolution.

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 2017-02-10
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
I keep receiving mail and all correspondence from this agency claim that he purchase my mortgage from XXXX XXXX along with my United States XXXX on XXXX XXXX, 2017 XXXX XXXX left a letter envelope outside my door in this letter was advertising from Bayveiw Loan Service offering me to Cash for my Key to my house that withdrawal {$50000.00} from my pension to put the downpayment down stating that I Get cash to help you move to a new home accept this offer today. My pension was without and paid for me to move here why would this agency ask me to release my title of my home and all contents in the home to them for {$2000.00} is this legal please investigate this agency ensure that it legal to offer a home owner and all misconduct and mismanagement found all individual involved be convicted according to United States Federal Regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Attn Grant & Weber : The last correspondence I sent your company on XXXX pertained to a demand for validation. In correspondence dated XXXX your company sent me a simple itemization along with a demand for payment. The itemization showed the debt is over 4 years old and past the statute of limitations. However your company failed to disclose that I can not be sued for this debt. 
This is a blatant violation of Fair Debt Collection Practices Act. Hence, I hereby declare my intent to bring suit against your company under your failure to disclose information required by FDCPA regulations

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 2022-04-18
Company: CITIBANK, N.A.
State: FL
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:
This has finally been resolved, after my calling and complaining for weeks. Now I want to report CITIBANK XXXX Customer Service and executives for allowing a {$3600.00} fraudulent transaction made by XXXX Rent A Car for renting a car I rented for one day to continue to be charged for one month against my credit card. I called XXXX and wrote executive management and I called Citibank XXXX and finally wrote to its CEO. Both companies have had a major breakdown in their customer service protocol and each insists they handled my problem appropriately, as is commonly done and within protocol ... NOT SO!! It took weeks of complaining to get this charge off my credit card. XXXX has an internal allowance and acceptance of fraud. 

I ALSO WANT MY NEW CREDIT CARD WHICH I NEVER RECEIVED BECAUSE OF THE FRAUDULENT {$2000.00} NEGATIVE BALANCE ON MY ACCOUNT!!!!!

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 2022-04-18
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX XXXX  has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: BYL Collection Services
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received several letters from BYL Collection Services LLC about an alleged debt that I do n't owe. I requested validation of this alleged debt and received some papers that do n't show any of my personal information such as Date of birth and Social security Number. I have relayed that information to this company but they continue to send me letters to settle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Early Warning Services, LLC
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was a victim of identity theft. I became berry sick and family members compromised my information. I reported this information and XXXX XXXX refused to remove information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
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: Public record information inaccurate

Complaint:
Hello, I am writing to complain about ALL THREE CREDIT BUREAUS. They are illegally reporting a XXXX XXXX XXXX  on my credit profile. I have sent numerous letters asking for the method of verification of the bankruptcy but they have ignored my request which is A VIOLATION! I even reached out to the courts and they advised they have not released any of my personal information to the credit bureau. This is illegal and I will sue for all possible damages. How are you guys reporting an unverified account? Also, I saw numerous FCRA Violations as well. Everything isn't reporting the same across the board 100 %. I'm not showing the court name across the board and the filing date is wrong. There is so many errors on this report is not even funny! Remove this unverifiable account NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
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: Was not notified of investigation status or results

Complaint:
please remove unauthorized inquiries from my report ... ..all 32 items

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 2016-06-21
Company: CITIBANK, N.A.
State: MI
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
After Citi refused to honor my divorce decree and a quit claim deed by ( resetting ) my loan for the remaining years .Citi instructed me to refinance the loan While they figure out what 's going on. Citi went as far as to falsely put on my credit report that I was delinquent five months which prevented other lenders, from refinancing my home. The document that the court provided does not state that I followed the instructions of the lender and submitted the document for refinancing within the time line, several time I called the underwriter and finally he stated that my paperwork was in his drawer for 60 days and he was not doing anything with it he said it should have be foreclosed on a long time ago. Keep in mind that the 7 years that I had the balloon payment, I was never late and I continued to make payments a year after the note should have been reset. I saw in there consolidation report the question was asked ( has the contested title been resolved ) Why is it contested I am the first and only title owner. Is this the reason they want me to do a modification instead of the ( reset ) when I sign the note .Does this allow them to break the law. See XXXX and supporting documentation that the courts would not allow because of the summary judgment. What are my rights as a consumer, I followed all the instructions of Citi representative who instructed me on what to do.

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 2022-08-04
Company: EQUIFAX, INC.
State: NJ
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 value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX, XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I disputed this account several times with them and with the credit bureau. This has been a on going issue with them. When I mail them something they say they never get it. I asked for a supervisor to call me on XXXX/XXXX/15 and they still have not called. I called back on XXXX/XXXX/15 and requested again a supervisor to call me. still no call from a supervisor. They told me last month they was going to mail statement I still have not received anything from them. This is going on 3 months now that it has been disputed! It should not take this long to get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am having a very difficult time making my private student loan payments through   XXXX   XXXX  . They offer little to no repayment plans that fit my budget. I am on the interest-only repayment plan, but when I checked my statement it said that I was on an income-sensitive plan ( which the company does not actually offer ). When I spoke to a representative about it today (  X/X/17    @  XXXX  ) he said that I could not submit pay stubs to determine my " income-based '' repayment plan because they do not offer one. I feel this is false advertising and gives false hope to a struggling borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I was charged {$170.00} in a foreign country by a travel agency under false pretenses that i did not have an alternative option. I did everything in my power to cancel the transaction in the moment and also I immediately contacted Citi to dispute the charge/report the fraud. Citi opened an investigation and asked for supporting details/documentation, which I provided. Citi then closed the investigation in the merchants favor without providing clear details as to why the merchant was protected instead of me, the customer. This credit card advertises fraud protection and {$0.00} liability in events of fraud, but in this case, I have not been protected.

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