BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On the day of XX/XX/2019, I was wrongfully accused of depositing two counterfeit checks to my account by Bank of America, I completed all necessary steps in proving that my checks were not counterfeit just to have my fresh new account closed for basically no reason at all. When I made the first call to Bank of America, on a recorded line, the representative had told me my account was on the verge of being closed because I uploaded the same check twice. I then explained to the representative that it was an accident and all I was meaning to do was upload better images because the first images were very poor looking. The representative, acts as if its not a big problem and supposedly connects me with the department to clear the situation up but no one ever answers after being on hold for 30 minutes or more. After a while another representative picks up the line from the same department and I briefly explain my situation to the female representative. The representative then notify me that the department who can help me is now closed and to call in the morning starting at XXXX. When I call the next morning, once again I explain my mistake, a new male representative tells me that my account is in closure status because of a counterfeit check and to go inside the bank to present proof that check is not counterfeit. I follow those steps and go to the nearest branch. I bring in the check and give the manager the number to the agency who sent the check, she claims that she cant reach anyone so I call with my personal cell phone. The manager speaks with the agency and informs me to the agency whom issued the check to fax over a letterhead and receipt in which the agency did. I call to check the status of the claim and I was directed to go to another branch so a financial advisor could speak to a representative of accounts closures. Still even with the financial advisor speaking and showing proof that all of this was a misunderstanding, my account was wrongfully closed.

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 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Innaccurate items are being reported on my credit report. It was brought to my attention and I took action over 90 days ago and there still is nothing resolved!!

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 2017-06-06
Company: TIDEWATER FINANCE COMPANY, INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I contacted Tidewater after consistently being past due on my car loan due to being unable to afford the monthly payment. The debt worksheet attached shows that with a reduced payment, I am able to maintain payments going forward even after factoring in living expenses. I have spent multiple hours on the phone, exchanged multiple emails. At first I was told I did n't qualify because my worksheet was wrong ( no clear answer ). When I pushed forward, the supervisor said he would resubmit it after I explained my income vs debt ratio step by step. I was contacted today and told my request had been declined again and that even though the worksheet shows I could maintain the new payment,  Tidewater  said it was n't sufficient to them to justify a lower payment program.   Since I have taken this loan I have been past due. I took this loan after a bankruptcy because I had no car. Tidewater is deceptive in it 's lending practices potentially even violating the Fair Debt Collection Practices Act by offering unrealistic repayment options such as a " Double deferment on  XXXX  and  XXXX  's payments ''. On the recorded calls the supervisor agrees this would not resolve the larger picture and would only fix it short term ; not to mention extend the life of the loan so they can rake in more interest charges. I have attached the last 2 months of paystubs, and the debt worksheet. This lender is clearly out to manipulate the lending systems and take advantage of the consumer. It should be noted that on the worksheet there is an error preventing it from updating the total expenses vs total income. Also, due to a payroll change my tax with holdings were incorrectly applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6100.00}, {$13000.00}, {$15000.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- ACCOUNTS -- 1. XXXX  CBNA with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6100.00} -This is not my account. 

2. XXXX  CBNA with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-11
Company: Experian Information Solutions Inc.
State: CT
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 be victim of fraud identity theft 3 account and a car loan car dealership over charge XXXX dollar for original price agree the credit account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX balance whem a request the contract car price is XXXX they send me a totally different contract a never see before whem the car value is XXXX XXXX XXXX XXXX is out of business made impossible contact the person made the contract a comict the fraud Experian dont remove or investigate

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 2021-11-14
Company: EQUIFAX, INC.
State: NY
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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Winklevoss Exchange LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
For cryptocurrency exchange Gemini Trust Company , LLC, Address : XXXX XXXX, NY XXXX Phone : ( XXXX ) XXXX Going back before XX/XX/2021 I had contacted them as they blocked my account for suspicious activity. After repeated helpdesk requests I was able to logon to my account and noticed my balance of approx. {$29000.00} was missing. I made additional help desk requests to what happened to my balance but they never even to today responded to my request. At that point I submitted a complaint to the NY XXXX  and they got a negative to they were working on my complaint response. 
I then filed a complaint with the New York State Department of Financial Services who has authority over Gemini. I received a negative response as I wasn't a NY consumer, I live in Virginia and I did all my business with Gemini using their web site. 
I then filed another complaint with the Virginia Bureau of Financial Institutions who have contacted me and are working my case. They suggested I file a complaint with you the CFPB which this is. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio collection agency started contacted m e in 2015 from a   XXXX   XXXX   I had at one point. The original creditor and this agency is trying to collect on the same debt. It is reporting to all   XXXX   bureaus in the amount of {$620.00}. I do not owe this company, and have no idea who they are. I asked for validation and not verification of this alleged debt. I have no contract with this company and do not owe them. The bureaus have failed to validate any info that I asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 information not reporting correctly has caused harm to my report in a time when i need to use it, because Transunion agency has not been 100 % I sent along attachments on the violation they are breaking, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-07
Company: ERC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
This account is my ex husband I don't know anything about this! I am truly upset threating my ssi and I am scared I don't want jail!!!!! Please can u help me this is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: U.S. BANCORP
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX : Credit Card was closed for being seriously DLQ XX/XX/XXXX : I visited US Branch location and ended my banking relationship with US Bank, assured no future charges would go through. 
XX/XX/XXXX : A charge was made for XXXX XXXX : Attempts to collect a debt ( multiple times ) notified them of the issue and that I'd be submitting a CFPB compliant and to suppress any credit reporting and to correct any previous credit reporting.

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 2017-06-06
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
There is an issue with  Navient 's websi te where their site throws an error every single time I try to make a payment on  XXXX  of my loans. I have reported it to the company twice now, and this is the third month in a row where I have gone to make a payment and the site errors. What 's more, because my loan is technically in deferment and no payment is formally due, I can not use their automated phone system to make a payment, as it will not allow you to make a payment when no payment is technically due. This means I have to call their customer service center every month when I want to make a payment, which entails waiting until their call center is open, calling their service center and navigating menus, waiting for an associate to take my call, explaining the problem to them yet again, looking up my routing/bank account number to read to a total stranger, etc.. This presents an unnecessary barrier for my loan repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Experian Information Solutions Inc.
State: WA
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:
Experian is still reporting account that was over year ago reported as Unauthorized ID fraud from  XXXX   XXXX  this is still causing harm and must be corrected removed

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 2022-04-06
Company: SYNCHRONY FINANCIAL
State: GA
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:
On XX/XX/22 Synchrony Bank sent a letter via email stating they were closing my Care Credit account although it was in good standing. Upon reviewing my credit report on XX/XX/22 Synchrony Bank performed an unauthorized hard inquiry with XXXX. There's no proof I initiated such inquiry, no written authorization, and they failed to provide any permissible purpose.

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 2017-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 or approximately around XXXX XXXX, 2017 as i was making my monthly payment I took notice that my account Balance was higher than it should have been by my budget record. At that point i called to report fraud/unauthorized use of my card with CapitalOne XXXX Card at ( XXXX ) XXXX seems there were small charges done over past few months that i had overlooked when CapitalOne first removed the charges i felt the issue was going to be resolved as these done through the internet and so there in no signatures, no card swipe or anything else to verify that i had placed/authorized any purchases but few weeks later they conference called me with the company which applied these charges during which based solely on fact they have tracking numbers through USPS without any signature to prove these items were ever actually received i was told that the charges would be placed onto the new account number as the original was closed for security and replaced with new account number and card. There is nothing from the company to validate these charges other than USPS tracking numbers showing delivered to my home address. No signatures for any of these transactions at point of sale No card swipe No chip readings Basically is no validation to show these repeated orders/shipments Even the local Post Office in my town has had the public drop off box broken into so without any viable proof of any authorized purchases I am now being held accountable for {$320.00} by my own credit card provider Charges are as follows : XXXX/XXXX/17 {$4.00} XXXX/XXXX/17 {$6.00} XXXX/XXXX/17 {$89.00} XXXX/XXXX/17 {$68.00} XXXX/XXXX/17 {$89.00} XXXX/XXXX/17 {$68.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: WELLS FARGO & COMPANY
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I use an app callled   XXXX   XXXX   it 's kinda like a payday loan but you pay what you think is fair and they recommended I report an issue with my bank not sending updates often enough or in timely manners in order for my account to be update. It 's not up to date. It 's alwa ys 4-6 hours behin d

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
A little over a month ago I started a refinance with New Rez Mortgage. My loan officer was XXXX XXXX. I have been waiting for this loan to close for now over a month. I was assigned a processor by the name of XXXX XXXX who was supposed to take care of the final collection of docs etc. I attempted to email XXXX and XXXX on XX/XX/XXXX and XX/XX/XXXX requesting some kind of ETA when the loan was going to close. XXXX would email me back telling me he was checking on everything and would get back to me. XXXX on the other emailed me specifically on XX/XX/XXXX, told me she would give me a status on my closure before she left for the day, and didn't respond back to me. Come to find out - she no longer works for the company. I have now been reassigned to a processor by the name of XXXX. I didn't this information out until AFTER I bugged XXXX yet again to find out what is going on. Now - I have emailed and called XXXX on XX/XX/XXXX and XX/XX/XXXXwith no response on a status to my loan. I have now left a message for XXXX 's supervisor XXXX DEMANDING when is my loan closing. I am anticipating $ 20,800+ back from this refi which I need to do repairs on my home. Plus, I have paid them {$500.00} for an appraisal. Where has that money gone? Where is my money? This is the third time I have refinanced and not once have I seen a refinance take this long to close.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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 cash advances

Complaint:
DEAR BofA, THIS IS THE 4TH TIME I'M SENDING THIS REQUEST BEFORE I WILL REACH TO THE PAPERS AND THE PUBLIC. PLEASE RESPOND, IT'S BEEN MONTHS NOW. MY FORMER CLAIM WAS SUBMITTED ON XX/XX/XXXX AND NO RESPONSE. XXXX There were two cash advance checks that were charged on my CC ending in XXXX. The first one was for {$6000.00} on XX/XX/XXXX The Second was for {$9000.00} on XX/XX/XXXX Both checks were not written or signed by me. In fact, they were forged by my soon-to-be ex-husband XXXX  XXXX. This is not my handwriting and not my signature. XXXX XXXX fraudulently applied for this card.

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 2017-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I try applying for credit and they told me my score does n't show and I been getting deny. So how can I build up my credit if n o one g ive me a opportunity. Where to star. And the  XXXX  credit bureaus got to update my score

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I called about not being able to view statements online to see why my bill doubled. I was told it was because my 18 month promotion on {$1900.00} has expired and they charged me {$800.00} for back interest even though I have been paying {$100.00} a month interest free so that promotion should have been almost paid off and {$800.00} is way too much interest on that amount. They called it total interest but it isn't interest if they didn't loan me the entire amount for 18 months. That should be called a penalty and is extremely misleading. 
Customer service lied and hung up on me the first time I called. Then the second guy put me on hold for a supervisor for over an hour and came back claiming to be someone else. He had a very unique voice, pattern of speaking and way of interrupting me. They said there are no supervisors and no way to file complaints. They said they can't help me with statements either so I am in the dark. I asked to take the survey at the end and got hung up on again. They are 100 % free to charge me whatever they want, illegal or not, and not be responsible to inform me what so ever.

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 2017-06-06
Company: M&T BANK CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I had an account wi th M & T Bank which  included a credit card that I never used. I went to my bank on  XXXX   XXXX ,  XXXX , PA  XXXX  and closed my account approximately 3 months ago. I was assured that it was closed with no balances due and the teller even offered to cut up my card, which she did. I have now received a call from a debt collector indicating a past due amount on the credit card. I also noticed that m y credit score recen tly took a dip and now suspect it was due to their action.

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