BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-04
Company: Turner Acceptance Corp.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Several months ago, I started receiving calls on my home number from an organization known as Turner Acceptance. I promptly returned the call to find that they are looking for another individual who has the same name as me, who has defaulted on a loan for a XXXX. I do not won a XXXX, nor have I ever. I pulled my credit report to ensure that my identity had not been compromised. Nothing unusual was present on my credit report. I informed Turned Acceptance that I was not the individual they were looking for. For approximately one week, the calls stopped. Then, about 10 days later the calls started again. I informed them that I am not the individual they are looking for ( again ) they indicated they would take my number out of their system. A month went by and I started receiving the calls again. This time I spoke to a manager and explained the entire story to him. I also told him that I the harassment did not stop that I would file a complaint. The manager instructed me that " I did not have to repeat myself '' to which I responded that " clearly, I do, because I 've had the same conversation now at least XXXX times ''. If I receive any additional calls from Turner Acceptance for this " debt '' which is not mine, I will be filing a complaint with the Attorney General and the States Attorney. This is nothing short of harassment, and it needs to stop. Also, I refuse to give this organization any additional personal information. They repeatedly ask for my address, date of birth and other information that they say " will be used to collect a debt ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2015-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Between XX/XX/XXXX, I opened Personal and Business Checking and Savings Accounts at Bank Of America. 
The accounts were fairly active. XX/XX/XXXX Bank of America 's early warning department flagged my account for insufficient funds and closed my accounts, requiring that I pay my the NSF 's and bring my account current before the accounts can be reopened. I subsequently paid all those accounts and requested that those accounts be reopened. 
Bank of America reviewed the accounts and claimed they will never open any account in my name ever again, on the assumption of illegal operation. Since their was neither an investigation or proof of any illegal activity or any intent to be fraudulent, I want to know if Bank of america or any bank can arbitrarily refuse an american citizen or a us resident access to banking services.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: CITIBANK, N.A.
State: TX
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 have been a valued customer of Citibank for almost 10 years. I was shocked when they has closed my account without my permission. Citi claimed in their form letter dated XXXX XXXX, 2021 that my account was closed because of a returned or late payment. In my my call and my letter to Citi on XXXX XXXX, 2021, I explained to Citi that I was not late in paying the full amount of my bill, and that if they chose to close my account, I should not be responsible for the full membership fee. On XXXX XXXX, 2021, Citi reversed some late fees and interest, however they claimed I was not eligible for a credit on the membership fee. I have received collection calls for the unpaid balance of my account which consisted solely of a membership fee which I disputed. After placing numerous phone calls with any resolution, I decided to write another letter to Citi on XXXX XXXX, 2021 offering XXXX settlement proposals. I have not received a reply to this letter, and I continue to receive collection calls.

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 2021-12-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Had 2 capital one cards that were closed without notice and my points vanished. No idea why. When I called they said it was their prerogative to close at any given time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from a place called XXXX XXXX that I formerly owed Synchrony Bank {$1700.00}.

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 2015-05-19
Company: Second Round Limited Partnership, Austin, TX Branch
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Violation of 809. Validation of debts [ 15 USC 1692g ] I sent SECOND ROUND SUB LLC, a letter requesting validation of debt and they failed to respond with original creditors name, address, original date of delinquency, proof of debt, copy of original contract, payment history and proof of State of Maryland XXXX and Resident Agent name as required by the State of Maryland ; Code of Regulations 7-104.

Company response to consumer: Closed
Consumer complaint received 2020-06-08
Company: U.S. BANCORP
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:
XXXX was my initial complaint to cfpb disputing the charge on my credit card mentioned in my initial complaint. I disputed the charge and requested that they send me a copy of the credit card charge slip with my signature on it. 
Nowhere in the response from the credit card company, or in the response from cfpb that the case is now closed ; is there a copy of the charge slip. I had already paid the credit card company in full, including the disputed charge. 
So far they have not given any proof ( in the form of a copy of the credit card charge slip with my signature on it ) so far, their response has been a bunch of hogwash that I would prefer to call " XXXX '', without giving me the proof I requested, to validate the disputed charge. 
So I again repeat that the disputed charge is invalid, and a fraud by the credit card company. I am not claiming any fraud by the merchant, as the merchant did not show me anything on their computer records to show that there had been such a purchase by me, or a claim by them to my credit card. 
I place the blame and fraud solely on the credit card company. Besides recording this fraud against the credit card company, I do want cfpb to rule that the credit card company refund to me the disputed charge of XXXX XXXX and all the interest at the rate of about 25 % that they would have charged me on this disputed fraudulent charge that they have given no proof of in the form of the copy of the charge slip with my signature on the charge slip.

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 2016-04-08
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
My check was pending overnight but when I reserve it it was tell me XXXX XXXX took out XXXX and I do n't even know what is that

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient modified their online payment system to prevent paying into individual loans. 
They instead group loans together and apply payments across them. 
This makes it impossible to pay off a high interest loan faster than a low interest loan. 
This is a problem because the option was there in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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:
My name is XXXX XXXX. This is me filing this complaint and no one is filing this for me. This complaint is for misleading false credit reporting information.

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 2021-12-27
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I just submitted a claim a few days ago because they locked my card and would not let me access/withdraw any of money, not even at an ATM. 

Now, they informed me they are closing my account and I have to wait 60 days for a check with my funds. This means itll be over 70 days until I can access any of my money. 

Customer service did not give a reason and rudely hung up on me. If i dont get a response soon ill be contacting an attorney. 70+ days of holding my money is awful.

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 2020-04-18
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I purchased 2 round trip plane tickets for my aunty and autistic cousin for a family trip we were taking to Florida. Due to the COVID -19 pandemic, the trip was canceled. Although I received a full refund for the portion of the trip ( which was most of it ) that I had paid for in miles, XXXX XXXX refuses to refund the portion paid with my Paypal debit card, even though some of the flights on the tickets were canceled. 

I submitted a dispute through my card issuer, Paypal, but their options for dispute and follow up are very limited, and didn't really cover the reasons for my disputes. On XX/XX/2020 I received email communication stating that the disputes had been denied. I have been trying to reach out to Paypal since then to have them re-reviewed but it has been impossible to get a response from them. Below is information regarding the original transactions, and the claim number Paypal assigned to them : Merchant : XXXX XXXX USD XX/XX/2020 at XXXX XXXX ESTTransaction ID : XXXX Payment Status : COMPLETED Payment Type : In Store Purchase Gross amount - {$170.00} USD Dispute ID : XXXX Merchant : XXXX XXXX USD XX/XX/2020 at XXXX XXXX ESTTransaction ID : XXXX Payment Status : COMPLETED Payment Type : In Store Purchase Gross amount : {$170.00} USD Dispute ID : XXXX Merchant : XXXX XXXX USD XX/XX/2020 at XXXX XXXX ESTTransaction ID : XXXX Payment Status : COMPLETED Payment Type : In Store Purchase Gross amount : {$150.00} USD Dispute ID : XXXX Merchant : XXXX XXXX USD XX/XX/2020 at XXXX XXXX  ESTTransaction ID : XXXX Payment Status : COMPLETED Payment Type : In Store Purchase Gross amount : {$150.00} USD Dispute ID : XXXX I believe that I am entitled to a full refund since XXXX XXXX 1 ) canceled one of the flights on the tickets and ; 2 ) Refunded my other portion of the flight. I have been trying to talk to someone at Paypal but all I get is agents who direct me to reply to unmonitored emails.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My b of a prepaid debit card was somehow hacked and thousands of dollars were withdrawn from my account at b of a atm 's. Although i filed a claim for this fraud in a timely manner and have done everything b of a has asked, they still deny my claim. They stated " there us no posting error to your account. We consider this matter closed ''. I have submitted my id for verification and a police report. I have asked them 8 times to revisit my claim and they continue to deny it. I will attach a copy of the police report that shows dates, locations, and amounts of these fraudelent transactions.

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 2022-10-15
Company: INDEPENDENT BANK CORP.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am complaining about Rockland Trust Company in Massachusetts. I have a checking account at the XXXXXXXX XXXX, which is owned by Rockland Trust. They sent me a notice of overdraft, which is impossible because I have over {$4000.00} in the account. I contacted them on their website, filled out and emailed a form to close the account on XX/XX/22 and sent a copy of my driver 's license. They have charged overdraft fees of {$35.00} on XX/XX/XXXX, XX/XX/XXXX, and have another pending on XX/XX/XXXX. I spoke with XXXX on the phone on XX/XX/XXXX but he was unable to close the account. I have had an email exchange with XXXX on XX/XX/XXXX again about closing the account. They are also affecting my credit rating because of the overdraft charges on an account with sufficient funds. This is a poorly run bank with a XXXX rating of XXXX. I am a XXXX XXXX and a former member of the XXXX XXXX. Rockland Trust bought XXXXXXXX XXXX probably associating XXXX with wealth and the chance to make big profits. I want all overdraft charges cancelled and the balance in the account sent to me as a check. As a former XXXX XXXX  and a XXXX XXXX XXXX want Rockland Trust investigated for possible illegality.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
inaccuracies on my report that need to be deleted

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 2021-12-27
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX and I am filing this complaint on behalf of myself for false reporting misleading information. No one else is filing this complaint about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX and I am filing this report on behalf of myself. No one is filing this complaint about me. This complaint is for False reporting misleading information.

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 2023-02-02
Company: Grow Credit Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Radius Global Solutions LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, On XX/XX/26 I sent a letter to XXXX & Radius ( see attached ) to " no longer hear any more communications about this debt. '' However, I received another letter in the mail regarding accounts XXXX & XXXX. 

It's truly sad how I can't seem to talk to anyone who can actually help me and any responses I receive what seems to be like a copy-paste bot who lacks any reading comprehension. 

XXXX calls me with an agent who has to look up in their systems as to why they are even calling me in the first place wastes a whole bunch of time just to tell me they cant help me. 

I'm going to continue to file complaints and leave negative feedback for each communication I receive moving forward.

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 2023-01-03
Company: EQUIFAX, INC.
State: VA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: LEXISNEXIS
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: Their investigation did not fix an error on your report

Complaint:
There is no third party involved I attached my Id docs so you will know who I am and not say that someone else is filing this complaint on behalf of me. And so you also will not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation