BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I previously filed a complaint against Bank Of America ( BOA ) concerning the closing of my wife 's checking account. The complaint number is  XXXX . I had hoped to add the following information to show how they respond to customers.     This morning I received a phone call from BOA regarding the complaint listed above. The caller stated that the call could be recorded for " quality control ''. When I informed the caller that I intended to also record the call I was informed that the call could not continue under those circumstances. It seems to me that if I must agree to them recording the conversation, I should be given the same courtesy.     Because of previous misstatements I believe that having a record of all communications initiated by BOA is necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
On XX/XX/2020 I was charge {$180.00} for rental sevice that I never recieved the rental. So I went through an online service called XXXX. Also, I have reached out to XXXX and they will not refund me back the money. I send over all the documents to my credit card company Capital One to dispute this. That everything was canceled and that I never pick up the rental. They are still charging me for service I never received. I believe this isn't fair charging me for service I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I had my identity stolen, and a XXXX credit card for XXXX dollars was open in my name and used. the credit card company took away the card but it is still on my credit report and would like it removed because it was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX is currently reporting a balance of XXXX on my credit reports. I received XXXX different notice of collection from XXXX different agencies. XXXX sold the account so they need to report a {$0.00} and also tell me who the debt ACTUALLY belongs too. I have attached documentation from each CA and my report still has the balance. They are reporting inaccurate information.. False or misleading representation of debt amount is illegal as well as unfair. If this is not resolved then I risk having XXXX different companies reporting the SAME debt ... the XXXX companies are : XXXX, XXXX XXXX and XXXX XXXX ... These practices are not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: EQUIFAX, 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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX @ XXXX CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX XXXX XXXX {$140000.00} XXXX XXXX XXXX {$480.00} XXXX XXXX {$9300.00} XXXX   XXXX XXXX {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: Improved Data Services LLC
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2020, I contacted XXXX XXXX at Improved Data Services. I firmly told him to not contact my extended family members as that is unacceptable and not appropriate for debt collection. After confronting him about contacting my extended family member ( 14 times in the last week and a half, which is absolutely unnecessary ) he stated it was to " verify my employment '' which is unnecessary as it is because I've not had a judgement or have been served papers for garnishment of my wages. I left him a voicemail stating I wanted no further contact as I've hired a bankruptcy attorney and that all contact will be going through them starting XX/XX/2020 and that I would be mailing them a letter stating I want no further contact.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: JPMORGAN CHASE & CO.
State: TX
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 have not received any confirmation on how you have verified the fraudulent alleged inquiries attached in Exhibit B and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those non-compliant unverifiable accounts and inquiries on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14
Company: JPMORGAN CHASE & CO.
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:
I ran an XXXX XXXX business, I asked for an OBDII code with ^just answer^ on line. Never got the code interpretation, instead charged the card with a bunch of donations and a fee!! Disputed the charges immedietely next day on line with CHase Visa on line service, on XX/XX/XXXX. Items were pending pending, had made SIX ADDITIONAL CALLS, all transferred to the XXXX, NO RESOLUTION, SO I HAVE HAD ENOUGH!! Today I still have those charges and asked to close and adjust card balance to XXXX!!! This Chase Company has been using the COVID-19 issue to defraud customers and defer legitimate issues, without resulution. I had paid this organization for more than 5 years and giving me the XXXX XXXX!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-13
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I had a {$5000.00} credit limit with TD Bank for over 10 years. I was late on paying my account and they lowered my credit limit to {$500.00}. That lowered my credit score and now looks bad. I was n't even 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
XXXX XXXX XXXX XX/XX/XXXX USAA/ Consumer Report Dispute Attn : Form Code # XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Dear XXXX XXXX, I still have not received your official response to my attached later from XXXX and closure of my identity theft case in your organization as outlined in the attached correspondence. 

However, in the very beginning of XX/XX/XXXX, after more than five months of lengthy and very painful follow ups by numerous calls and correspondence with your organization, XXXX XXXX XXXX from the office of the CEO at USAA confirmed verbally to me and my attorney, XXXX XXXX XXXX of XXXX, XXXX, XXXX XXXX, that finally USAA has recognized and confirmed this case as an identity theft! At the same time, for reasons unknown and surprising to me she said that your organization needs a bit of time to close this matter properly within USAA before confirming to me and credit bureaus in writing! Furthermore, after several calls with XXXX XXXX she promised that the case will be properly closed and communicated to me and all the credit bureaus the latest by XX/XX/XXXX. As of the date of this letter to you on XX/XX/XXXX and after several further reminder messages to XXXX XXXX I am still awaiting proper closer of this matter which has caused me unbearable personal and financial stress during the last six months. If you disagree with any aspect of the foregoing please do advise. 

I believe that I have been more than patient with your organization during the last 6 months, during which I have had to put many personal and business activities on hold, which have resulted in unbelievable hardship to me and my family, in addition to significant financial losses. I am therefore writing to you one last time in the hope of moving your organization to do the right thing with urgency and clear my record immediately, as you have already decided, by clear confirmation in writing to me and all the credit bureaus. In the absence of a quick remedy so that I can put my life back together, I will have to take the very unfortunate step of referring your organization to the court of law and I will hold your organization accountable for all the legal and personal costs that I have already incurred and will incur in the future to bring this matter to proper close. 


Sincerely Yours, XXXX XXXX CC : XXXX Office of the Attorney General Consumer Protection Division XXXX XXXX XXXX, XXXX XXXX FBI XXXX XXXX Special Agent XXXX XXXX XXXX XXXX, XXXX XXXX Comptroller of the Currency Customer Assistance Group XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Attorney At Law XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: BARCLAYS BANK DELAWARE
State: MA
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:
On my Uber  Barclay credit card I had a lot of rewards sitting in the rewards center. Specifically {$420.00}. I'll pass over the fact that I'm XXXX about how the rewards were cash back but then they said I could only use them on Uber ... so that's the reason so much money was sitting in the rewards. On XX/XX/2020, somehow, all the rewards were redeemed to an unknown account : all my {$420.00} in rewards were stolen/fraudulently taken. I reached out to Barclay to solve the issue but they said since the money is in the reward section and has already been pulled out by Uber this is a problem I have to solve with Uber. With Uber, they are slow walking the issue and coming to no solutions and even being very rude to my persistence in finding a solution. It's been 2 weeks now and heard about this more official complaint channel so I'm going to give this a try.

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 2016-11-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
This account was awarded to my ex-wife in our divorce decree ; she continued to charge and paid until : XX/XX/XXXX, she left a balance of : {$250.00} ; her high balance at one time was : {$4900.00} ; she stopped paying, she did not tell me and when I found out, the card was charged off and closed and now I have this account on my credit reports. My divorce was final in XX/XX/XXXX. The bills were sent to her address, and I can prove when I moved out XX/XX/XXXX and I did not live with her, after XX/XX/XXXX. As of XX/XX/XXXX ; The Statute of Limitation Law protects me as a consumer, the 4-year anniversary from the last payment, this account is no longer collectible, no one can seek legal action towards me. Please help me remove this account from my credit reports, even though it is a low balance, it is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: EQUIFAX, INC.
State: UT
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:
XXXX  XXXX # XXXX, and XXXX XXXX XXXX # XXXX & # XXXX are triple reporting an account to my credit report. All 3 of these accounts are reporting the same debt and this is a violation. I should not have this debt on here 3 times under different account numbers. This needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX  XXXX # XXXX, and XXXX XXXX XXXX # XXXX & # XXXX are triple reporting an account to my credit report. All 3 of these accounts are reporting the same debt and this is a violation. I should not have this debt on here 3 times under different account numbers. This needs to be removed immediately.

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 2019-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX XXXX/XXXX and XXXX XXXX XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 5, 6, 7, 19, 20 and 21 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Blackhawk Network Holdings Inc.
State: CA
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:
XXXX : I'm trying to activate a Visa gift card for {$100.00} issued by Blackhawk Network which expires on XX/XX/XXXX using the website listed on the card. The website simply said technical error. I tried again over the next few days with the same result. 

XX/XX/XXXX : I tried activating the card using the phone number listed on the card. The automated system said the card is inactive and hung up. I tried various ways to talk to a live customer representative but their automated system does not have that option. I called Visa who directed me to XXXX who directed me back to Blackhawk Network gift card number which was the same number ( for the purely automated system ) on the gift card card. 

I did some research online and noticed many other complaints lodged against XXXX and Blackhawk Network on XXXX. I decided to file this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: Conduent Incorporated
State: MS
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
On XX/XX/XXXX, I used my MS State issued EppiCard. I tried using it again the same day and the card was declined. Within a few days, I received a letter in the mail stating the card was possibly fraudulently used and the account and card would be suspended and then gave me a 1-800 number to call. I have called over 10 times now ( at least once every week ) and can't get anyone on the phone. It rings twice and goes straight into a hold message. I've been on hold for over an hour several times but can't seem to get this resolved to unlock my account to access my child support money. I've also tried contacting MDHS only to be transferred back to the fraud division number. I've also asked if I could come in to the MDHS child support office and sign the necessary forms to have my funds direct deposited instead of using the EppiCard. The gentleman that I talked to today said this would have to be resolved first. So I spent 4 years trying to get child support only to have my child support locked up due to an ineffective system of controlling child support funds!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My Wife and I attempted to refinance our current mortgage with our current mortgage company that had recently purchased our mortgage. From the beginning our loan officer thought there was a income issue and wanted to have underwriting review the income before ordering a appraisal. We sent in all requested documentation to the loan officer and began looking at different loan options. After 5 weeks we were informed that we were clear to get the appraisal. We paid our loan officer directly for the appraisal which we though was odd. The appraisal came back a little lower than expected which wouldn't allow us to pay certain debts off in a cash out refinance to meet our needed debt to income ratio. We advised our loan officer we could pay those debts out of pocket and with that he sent us a new XXXX cash out refinance offer which we signed. We asked our loan officer should we pay debts off now or would it need to be done at closing? The loan officer replied let me get with underwriting and he would get back us. After week of 0 communication, our loan officer responded to email my wife wrote stating that the company was unable to approve us because my income was part commission. We than asked if commission is unacceptable and you reviewed our income information with underwriting, why did you order and charge us for appraisal? We advised that we felt there should have never been appraisal if commission income is unacceptable, we want our appraisal money back. To date the company has refused to refund the appraisal fee. We have also made a complaint with the XXXX XXXX XXXX and the company still refuses to refund the appraisal. We are very concerned they ordered this appraisal to gather information about the property. Another concern is that if our income didn't qualify for the a new loan at a much lower payment how do we qualify for the we have now? Hopefully they won't use the information against us. We would like appraisal fee refunded the company had no reason to appraise our house if the income was unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-17
Company: PLAZA HOME MORTGAGE, INC.
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
A few weeks ago I called and informed Plaza Home Mortgage Services / ( XXXX ) that I had paid the taxes and insurance for the current year and not to make those payments from the escrow account ; I also requested the termination/elimination of the escrow portion from the mortgage and that I would make the payment for the taxes and insurance from this point forward. 

A few days ago I received a letter dated XXXX XX/XX/XXXX stating, " We regret to inform you that investor requirements (? ) do not provide for removal of your escrow at this time. '' Prior to receiving this letter I had learned after I informed XXXX a few weeks ago not to make any further escrow payments, that XXXX had posted an insurance payment from this escrow. 

After I received the XXXX XX/XX/XXXX letter, I called to discuss the removal of the escrow and the fact that I had already notified XXXX not to make any of the escrow payments of which one had been posted. It appears XXXX is manipulating or mismanaging the use of the escrow portion of this mortgage account to its own benefit irregardless of my directions as one of the adjustments mentioned in a letter from XXXX suggests I should increase the amount of the payment for the next FOUR ( 4 ) years to correct a deficit when I have already informed XXXX I had paid both portions of the escrow account payment. 

( Also, earlier this year I had requested the removal of the escrow portion and received a response from XXXX in a letter dated XXXX XX/XX/XXXX that stated, " We regret to inform you that we are unable to remove the escrow because you have not yet established a 12-month payment history. '' That requirement ends this month and there were three other bullet points the third of which gives XXXX an open-ended opportunity to make adjustments to any requirements whenever they choose. I believe they should supply a copy of that letter as well. ) After numerous delays and multiple conversation with many different people during this call, all of whom picked-up the call cold and claimed to have no knowledge of my previous discussions I was finally transferred to someone in escalation (? ) who promptly ended the call, saying she felt that I was disrespecting her after XXXX had wasted a tremendous amount of my personal time with an endless loop of transferred calls to customer service representatives who did not have a clue about the nature of my inquiry and as a result nothing was resolved.

Company response to consumer: Closed with monetary relief