BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card
Issue: Transaction issue

Complaint:
We attempted to use our credit card at a hotel. The card was denied and we left the hotel without checking in. The charge was later applied to our account. We asked the hotel to reverse the charge ; they refused to talk to us. We asked USAA to reverse the charge ; they have now denied it twice after we followed all of their procedures. USAA provided an invoice from the hotel with no signature or card holder address ( because we did not check in to the hotel ). USAA cited that we did not reply to a request to offer a rebuttal to the hotel manager 's false statement about our stay at the hotel and applied the fraudulent charge to our account. However, we did provide a written electronic explanation ( two times ) as well as a signed statement mail to them in a business reply envelope they provided. Neither USAA or the vendor provided a signed invoice or receipt for this charge and despite the many written and signed statements we provided saying that we did not authorize a charge from the hotel ( because we did not stay there ) USAA charged us for this fraudulent transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Multiple times since XXXX of 2022 I have been reaching out to XXXX XXXX to get assistance in resetting my online password, since each time I attempted it myself online I was given an error message. Whenever I called, the representatives only gave me a link to the home page and were unable to provide me further assitance. They even said that they were having " intermittent '' issues with the site and that there was nothing further they could do. I have had my bills for this card set to XXXX, so that I would go paperless and receive statements. This caused me to be unable to receive my statements, thus making me unable to see my transactions for accuracy, know when my bill was due, and then via the online portal properly schedule a payment. Today I have received a notice from the company that my card has been closed, yet the only reason this has happened is because I have not had access to my account since XXXX and have attempted to rectify the issue multiple times. I am now worried about the impact on my credit score this will have, since prior to this issue i have been making payments on time and consistently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: BARCLAYS BANK DELAWARE
State: MD
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/2022, I called and left a voice mail message for XXXX XXXX ( " XXXX XXXX '' ) of Barclay executive office and requested for her to contact me regarding the complaint pertaining to the dispute on the account. I never received a response. 

On Monday, XX/XX/2022 at XXXX PM, I also sent an email with an attachment to XXXX XXXX at XXXX. I never received a response. 

On Monday, XX/XX/2022 at XXXX PM, I sent another email to XXXX XXXX, and stated, " I sent you the email below with an attachment but have not received confirmation that you received it. I also left a voice mail message on the same day that I sent this email and no response. This issue simply will not go away unless there is dialogue in resolving it. '' I never received a response. 

This lack of communication demonstrates one thing, and that is Barclay is acting in bad faith in resolving complaints and billing disputes in breach of the cardmember agreement, and in violation of the Fair Credit Billing Act, and appropriate legal action WILL be taken within the next day or so.

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 2016-10-19
Company: DISCOVER BANK
State: MT
Product: Credit card
Issue: Other

Complaint:
I recently obtained a copy of my credit report. There was an unauthorized inquiry made by Discover Financial Services. On XX/XX/2016, I wrote to Discover Financial Services asking for proof of the inquiry. To date, XX/XX/2016, I have yet to receive a response from them validating said credit inquiry, which has made my FICO score drop!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I am contacting to explain my complete frustration and concern about the total lack of privacy and security exhibited by Bank of America during my loan modification eligibility process. 
When the process started, I initially had to set up a secure account online that I automatically assumed would keep my personal information safe and protected from cyber predators.I was then asked to provide personal tax details, banking and mortgage information via electronic uploads.This information unfortunately included my social security #, my bank account details and XXXX information. 
I accessed the " secure '' Bank of America Borrower portal on the weekend to check on the status of my loan modification application and to my absolute dismay and horror I was able to look at the following : Statements and earnings information for a lady in XXXX XXXX, CA who is applying for some sort of change to her banking methods.This lady had submitted these confidential documents to Bank of America but they have been deposited in my portal and possibly other people 's portals to see.Very disturbing!!! 
Statements and social security information from a couple in XXXX XXXX, CA who are also trying to make changes to financial situation.This couple 's private information was available to view in my portal which is totally wrong and should not have happened. 
I did not see an uploaded copy of my XXXX for 2016.I wonder whose portal that is in??? 
I am extremely concerned that all of my assumed confidential information that has been disclosed electronically to Bank of America could be in the hands of potential criminals who could steal my identity and destroy me financially.It is obvious that BOA have a very insecure network that distributes very private and personal information into the wrong portals.I am also very disturbed at the lack of concern shown by telephone personnel that i spoke to when I found this problem. " it was just a mistake '' is not what I wanted to hear.It is a very serious mistake and there should be consequences for this happening. 
I have absolutely no confidence that my personal information will remain confidential with the Bank of America secure borrower portal.I have no idea who is looking at it.I will forever be checking my credit report and very concerned about identity fraud in the future. 
My lawyer and I will hold Bank of America responsible for any fraudulent activities that take place as a consequence of this very unprofessional act.At this point I am not sure if I should continue with the process.

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 2022-06-01
Company: BELMONT FINANCE LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX The Right To Recession I'm a Consumer XXXX XXXX a natural person ; I sent a Right to Recession Notice to Belmont Finance on XX/XX/2022. On their contract there was no disclosure of my right to recession and i would like to excercise my right. 

Any Transaction Full Disclosure 1 ) Notice of right to rescind. In a transaction subject to rescission, a creditor shall deliver two copies of the notice of the right to rescind to each consumer entitled to rescind ( one copy to each if the notice is delivered in electronic form in accordance with the consumer consent and other applicable provisions of the E-Sign Act ). The notice shall be on a separate document that identifies the transaction and shall clearly and conspicuously disclose the following : Official interpretation of 23 ( b ) ( 1 ) Notice of Right To Rescind ( i ) The retention or acquisition of a security interest in the consumer 's principal dwelling.

( ii ) The consumer 's right to rescind the transaction.

( iii ) How to exercise the right to rescind, with a form for that purpose, designating the address of the creditor 's place of business. 

( iv ) The effects of rescission, as described in paragraph ( d ) of this section. 

( v ) The date the rescission period expires. 


( XXXX ) To exercise the right to rescind, the consumer shall notify the creditor of the rescission by mail, telegram or other means of written communication. Notice is considered given when mailed, when filed for telegraphic transmission or, if sent by other means, when delivered to the creditor 's designated place of business. 

( ii ) For purposes of this paragraph ( a ) ( 3 ), the term material disclosures means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, and the disclosures and limitations referred to in 1026.32 ( c ) and ( d ) and 1026.43 ( g ).

So I never got a full disclosure and I have a three year period to rescind. Material Disclosures 1026.6, full disclosure the finance charge which pays the debt 1026.32 ( c )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 a collection debt was paid in full in the amount of {$680.00} to professional debt mediation INC on behalf of the original creditor XXXX XXXX. The debt is not valid and as of today XX/XX/2020 the debt is still being reported to ( 2 ) credit bureau 's XXXX  and 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 2016-01-17
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Credit determination

Complaint:
I fell behind on my credit cards, I then searched for a deby consolidating firm, find one all is well making payments, then the bank failed to pay the consolidating firm urging they did not recongnize their bank. No word this happened until I get multiple documents opened and my social plastered all over the documents from a law firm I quickly recognize the lawyers, whom I had a problem with 9 years ago. I send six emails then called Debt consolidating firm after. I try to resolve. I then send a complaint to XXXX and they stop the harrassment. I send the lawyers a cease all notices to my home. I explained to XXXX that I was harrassed and threatened with jail 9 years ago and since that was their tactics I did not want them to do it again. 
The lawyers responded with " we do not harass I just refuse to pay, and that they were within their right to persue me. I never stated that the harrassment was recent only that my dealings with them prior to this was indeed harrasment calling me at night on the weekends and the threat, was prior to this current situation and that I did not want that to happen gain. I will forward all docs to you via mail. The lawyers are XXXX. based in XXXX. I went to a lawyer for a free consultation ( XXXX in XXXX XXXX XXXX ) who asked me to forward a letter to each creditor asking for them to re visit my balance and allow me to pay {$25.00}. I am not trying to get out of it I am trying to make it right. All I ask is that they respect my right. They are after me and it id personal because I filed several complaints. 
This is not fair and they continue to send notices to the wrong apartment even after I gave them my correct name used and apartment number. I am in the middle of a seperation that is painful enough. I am looking for anaffordable apartment and I have a XXXX year old to contiue to nurture and be ready for college. If I were trying to not pay I would have claimed bankruptsy like the rich. I want to settle and pay off my debt. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I personlly feel under privacy fact act my medical bill shouldn't be closure to public and any medical should be removed off my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2016, I logged into my Bank of America checking account ( of over 10 years ) to see a pending debit of $ XXXX. I have never bounced a check, missed a payment, overdraft, so I called and contacted the Customer Service Department upon which I was n't given any information but that a fraud investigator will be assigned within 24hours and will contact me. Since that day I have not received any call or mail whatsoever from BoA however I do call BoA just about everyday but still all I get is the runaround from different their various departments that I am transferred to. Finally on the XXXX XXXX after yet another call to BoA Fraud Department, I was told my account was being closed and a check with my account funds was being mailed out the next day and that BoA has a right to close my account without given a reason per the depositors agreement when account was opened. 
While I understand this agreement, I do n't understand why as of today XXXX XXXX ( another 2weeks ), a check has still not be mailed to me. I keep calling BoA Risk Account Department as advised as well as their Executive Customer Relations Department and they claim they are looking into it but still I have n't received any check yet nor any correspondence yet. The XXXX tracking number ( XXXX ) they had initially provided upon tracking shows that the check was never even given to XXXX in the first place even though a label was created! 
I really need my funds from my BoA account urgently, as I need to but medications for my mother who is recovering from a XXXX and also need to pay for her XXXX. I also need my funds to pay my bills due as well as for some other financial obligations. 
Its been more the 3 weeks since BoA held my account without reason or any communications to me. The investigator assigned who I later got to know her name and number as never called me nor return any of my calls. I even went to her office on the XXXX of XXXX and she would n't see me but was told to go to a banking center which again I did at XXXX XXXX XXXX XXXX, XXXX, IL but was again not given any information but that they I should wait for check correspondence from them. But still I have n't received any check. 
I believe its unfair and inconsiderate practices to close a customer 's account at the bank 's discretion yet hold on to the customer total funds for more that 3 weeks without return it nor providing any information. This as caused hardship for me and my family. and really saddens me.

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 2015-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I lost my wallet and all my bank card was in with my information that how my account was closed I did report and told then excate what I am telling now I should not be in the XXXX cause some one still my identity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
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 XX/XX/XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2022-06-01
Company: EQUIFAX, INC.
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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Someone opened a credit card with Bank Of America in my name and put a fake name on the account as well. 
They put all of my information as the primary card holder and had the card ( s ) sent to my address. Bank of America has no other phone number or address on file. There were no charges on the card. I closed the account. 
I want the credit bureaus to remove the hit on my credit for opening a card that I did n't actually open and then closing it. It needs to be removed from my credit rating all together. 
I spoke with the Police department and they indicated to notify the credit bureau and the social security administration. There is no need for a police report because there are no charges to the account. 
I can not get in touch with any department of the credit bureau to notify them.

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 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX XXXX XXXX, XXXX XXXX, XXXX reporting late payment without my permission XXXX XXXX And XXXX reporting late payment without my permission

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 2016-10-12
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Two and a half years ago i lived in an apartment complex in stone mountain ga. we had XXXX vandalized cars in the course of 2 weeks. i had to move on the other side of town for a new job. we owed them our lasts months rent. that was XXXX $ they have a XXXX debt on my credit that actually i disputed that got removed but they put it back on and I 'm trying to buy a housestate .They have illegal posted derogatory information on your credit report illegally and will not provide me signed supporting documents stating you engaged in any type of business with them or their customers. I demand they provide letter on their company letter head exonerating you of any financial activity including the account number that reflects on my credit report. Also please remove this completely form all three credit agencies : XXXX, XXXX, and XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My private loans from college were financed through XXXX. now d/b/a Navient. I received a letter stating I was unable to apply funds directly to the loan principal, despite the account being current. Navient insisted that the additional funds would be applied to interest that had accrued since the last payment. I responded that any accrued interest would be paid when I make the NEXT monthly payment ; however, Navient refused to apply the additional funds to the loan principal. I called the CFPB in XXXX XXXX inquiring about this new " policy '' and whether it was illegal. The CFPB representative had never heard of such a policy. She indicated that most loan providers allowed principal-only payments if the account were up-to-date. I figured this may be an illegal practice since the mortgage industry attempted a similar tactic ( requiring one to pay all the interest before payment to the principal ) and it was struck down by the courts. 

When I attempted to apply additional funds directly to the principal, despite this new " policy, '' Navient applied it to the interest. I fought with them for two months to have the money applied to the principal, but Navient decided returning those funds to me was a better option. In XXXX XXXX. Navient raised my interest rate in retaliation for the refund! 

This " policy '' is a problem because only XXXX of the payment I send to Navient as payment for the loans is applied to the principal. This " policy '' would essentially keep students in debt, well beyond the 15+ years it already takes to pay off student loans. Is this " policy '' to keep students in debt ACTUALLY allowed?

Company response to consumer: Closed with explanation