BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I had an issue with an item I purchased on XXXX where the item came from a third party seller. Item was a camera that did not come with a wall charger and connected to its own WiFi that did not work unless my cellphone was within 10 feet of the camera which defeats the whole purpose of having the security camera. Contacted the seller for a refund they sent me a return label where I as the buyer had to pay return shipping. Item was received by the merchant and the merchant refuses to Respond to communication and will not issue refund. I contacted Bank of America credit card to dispute the charge I mailed them the documentation necessary and they claim they dont have anything and the only way to give them information is by mail only. Post office lost correspondence sent to Bank of America.

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 2022-11-30
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$450.00}

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 2023-11-01
Company: PNC Bank N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On or about mid XXXX I checked my account on PNC 's banking website. I found 3 UNAUTHORIZED transfers had been paid out to a " XXXXXXXX XXXX Web Transfer. XXXX XXXX {$1900.00}, XX/XX/XXXX {$2000.00}, and again on XX/XX/XXXX {$1000.00} for a total of {$4900.00}. I called PNC bank only to find out they were closed until the Next Monday. I called on Monday and froze my account which was now down to {$1100.00}. The bank manager tried to help and set me up with PNC higher ups who twice denied my claim basically saying it was I who authorized these transaction which I DID NOT. I signed PNC paperwork to that effect. I have tried all other avenues that I possible could to resolve this issue with no results. I am thinking you are my last hope of recovering my missing funds. My last contact with PNC was with XXXX XXXX at XXXX. I do have some copies of paperwork from PNC, but I am old and not computer savvy and am unable to attach. Your help in resolving this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My home was destroyed by flood in XXXX of XXXX due to hurricane Ian and declared a FEMA disaster area. As a result we requested and were granted a disaster area forbearance on mortgage number XXXX. The home had to be rebuilt and was rebuilt in XX/XX/XXXX and ready for move in. We requested with XXXX XXXX a loan modification on XX/XX/XXXX and were told on a recorded line that we did not need any paperwork because we were in a disaster recovery forbearance. We then received a notification later on the next day that XXXX XXXX did in fact require paperwork for the underwriter. We started the application requirements prior to XX/XX/XXXX. The forbearance expired XXXX XX/XX/XXXX. We turned all documentation in a timely manner as request and XXXXXXXX XXXX still reported us 180 days late to all three major credit bureaus dropping me and my wife 's credit over XXXX XXXX  while we await a loan modification decision from their underwriter.

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 2023-11-09
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I noticed multiple unauthorized charges on my debit card online banking. 
There was 6 in total. So far I was able to get help from 2 of the merchants. But I am having trouble with the other merchants. 

I filed a dispute with my bank ( chase bank ) and within 10 hours. They made their decision on if this was fraudulent or not. Now Im not an expert banker but I truly believe wholeheartedly it is 100 % impossible to complete an investigation in that amount of time. I made a second attempt to reopen the dispute. But my bank told me they decline. My only option is to contact the cfpb now. Since I am receiving no help elsewhere. 

The two claims that I am still struggling to get back are fraudulent charges from XXXX XXXX and fraudulent charges from nectarsleep. These merchants and bank are refusing to honor my testimony that the charges and purchases made on my account were not authorized by me or made by me. These charges are causing me major financial hard ships due to the cost of living currently and its putting a bad relationship between me and my bank. 

XXXX XXXX charge # XXXX : XXXX XXXX XXXX charge # XXXX : XXXX XXXX XXXX charge # XXXX : XXXX Nectar resident charge # XXXX : XXXX All of these charges were made on XX/XX/XXXX. Shortly after I lose my backpack with my laptop my wallet and some other personal belongings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received credit alerts from XXXX and XXXX with the following message : " A New Tradeline Has Been Opened ''. I opened the alert which shows an account opened with CapitalOne that I do not recognize. The proof is attached. I called CapitalOne but they said they couldn't find any such report. They asked me to report this to the credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2019-02-14
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
when I applied for this loan I was informed I had plenty homeowners insurance 5 months later I received a letter stating my wind and hail insurance had lapsed, witch I never had. XXXX XXXX  stated they would cover 1 year at no cost of wind and hail insurance. my response was that was a band aid. while looking for another loan 2 hurricanes hit the state of NC. I had my payments set on auto pay ( XXXX ) XXXX XXXX took ( XXXX ) witch was unauthorized transaction, I stopped auto pay to prevent that from happening again now I pay manually

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
IVE CALLED SINCE XXXX ABOUT MY CLOSED ACCOUNTS, THEY INFORMED IT WOULD BE SENT BACK TO THE IRS AND I CALLED THE IRS NUMEROUS AMPUNTS OF TIME AND THEYVE TOLD ME THEY DONT ACCEPT THOSE PAYMENTS BACK THEY ARE TO BE SENT DIRECTLTY TO ME. ON XX/XX/2020 XXXX, EMPLOYEE NUMBER XXXX WITH BANK OF AMERICA RISK CLOSURE DEPARTMENT, WHOM IS A MANAGER ALSO TOLD ME THEY WOULD SEND BACK TO THE IRS ITS THE 2ND INVESTIGATION ON THIS CASE AND THE 1ST ONE THEY DIDNT FINE ANY ANSWER

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 2023-06-29
Company: EQUIFAX, INC.
State: NY
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:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: National Credit Systems,Inc.
State: WA
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have mailed a debit validation letter on XX/XX/2023 and I received no written communication rather attempted phone calls. I have also had issues in validating debit over the phone and have been entered into debit repayment plans even after NOT AGREEING to anything of such. I still have not received a validation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-07-07
Company: Experian Information Solutions 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of alleged debt, nor therefore any such debt, in fact therefore exist I've contacted these companies several times still nothing no response just continue to violate my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-29
Company: EQUIFAX, INC.
State: NY
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed manyACCOUNTS which do not belong to me. Since Im a stickler for research, I found that under section 605b ofthe FCRA you are required by law to remove & block any ACCOUNTS which are found to be opened due toidentity theft. The dispute ACCOUNTS do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
Hi there. On XX/XX/XXXX, someone one XXXX was trying to buy a product from me. They tried to XXXX me money but I never recieved it. They would take screenshots saying that the money has been delivered but on my end nothing. So then I recieved an email from XXXX stating that in order for the money to come into my account I must send {$400.00}. So I did in order for her money to come through. And once I sent it, they sent me back another message saying {$600.00} now. I believed in it because the email looked legit. So the total I gave them was {$1000.00}. It was stupid of me. And then they asked for another XXXX once they asked once more, I thought back this is ridiculous for just some cheap shoes I wanted to sell. So immediately I blocked the people, and called the bank. They said they would try to get it back but can not guarantee. I have a few information about the couple like their email that I sent through if that helps. 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 explanation
Consumer complaint received 2022-08-18
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/22 we got approved by XXXX for past due payments, which mortgage has received it and applied. We also received the future 18 payments moving forward for the full amount of my mortgage payment and XXXX  worker told me they will be paying out starting XX/XX/XXXX. Until today mortgage says they have not received the payments and Im past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: M&T BANK CORPORATION
State: VT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
M & T Bank has been originating mortgages without a license and is targeting XXXX and XXXX owned mortgages for foreclosure all while denying them loans at a rate inconsistent with their share of the population. Claim for state of Vermont, currently. Can provide proof of violations in all 50 states. This complaint makes me fill out a mortgage address. While this address fell victim to foreclosure by predatory lenders, M & T Bank was not the lender. This complaint is a general consumer complaint, separate but related.

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 2017-08-02
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company keeps calling me, does n't say anything. Has silence on the phone. Then when I call back to see who it is they advise me they are a collection company. Wont provide any information other than the name " Phoenix Financial '' they are very rude and they do not fully disclose who they are & why they are calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 ACCT # XXXX DATE OPENED : XX/XX/2018 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions.

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