BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-15
Company: JFQ Lending, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a " Notice of XXXX XXXX '' from JFQ Lending Inc. that was made to look like an official government notification about my loan benefitting from enhancements to Fannie Mae Eligibility. The letter has a heading that says " XXXX  XXXX XXXX '' but it never describes any of these enhancements. Instead, it seems it is just a veiled solicitation for refinancing my home loan. I find it misleading and offensive. I feel the letter is predatory in that it tries to fool some people into thinking they need to do something about their existing loan to take advantage of some FNMA/government enhancements and it is misleading and unscrupulous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: SUNTRUST BANKS, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Approximately between XX/XX/2019 and XX/XX/2019, I noticed suntrust has been manipulating transaction to occur over drafts fees, they will re arrange transaction in different orders and sometimes not posting old transactions in the order of purchases that they occurred, Sun-trust will occasionally not debit my account when i make a purchase, so when i log in to my account it will appear i have plenty of funds to use. 

I also noticed when i made several direct electronic payments to cover my balance, Suntrust would not post those direct deposits as if i never made them, i believe they did this to have my account overdraw and then after it has overdrawn they will allow my electronic payment to go through days later, i did call Suntrust about this issue, then i was told it will be corrected. but this continued to happen. On XX/XX/2019 i was hit with 5 over draft charges in 1 day each of those charges are {$36.00} totaling {$180.00} in 1 day of overdraft fees. Which is due to their fraudulent tactics. 

Suntrust is committing fraud, by manipulating transactions to occur overdraft fees and i'm a victim along with others.

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 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX XXXX ) Has violated my rights 2- ( XXXX XXXX XXXX XXXX ) Has violated my rights 3XXXX ( XXXX - XXXX XXXX XXXX ) Has violated my rights 4- ( XXXX XXXX XXXX ) Has violated my rights 5- ( XXXXXXXX XXXX XXXXXXXX XXXX ) Has violated my rights 6- ( XXXX XXXX ) Has violated my rights 7- ( XXXXXXXX XXXX XXXX XXXXXXXX ) Has violated my rights 8- ( XXXX XXXX XXXX XXXX/Account # XXXX ) Has violated my rights 9- ( XXXXXXXX XXXXAccount # XXXX ) Has violated my rights 10- ( XXXX XXXX XXXX/Account # XXXX ) Has violated my rights 11- ( XXXX XXXX XXXX/Account # XXXX ) XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/XXXX, XXXX violated my rights

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 2023-10-01
Company: Hatfield, Inc.
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
This company has charged my debit card multiple times for a subscription that is supposed to be billed monthly. I have been charged 4x in one day on some charges and twice in a month for others. Nearly {$100.00} in charges. I have chatted in with them and they have not explained the charges, only stating that I owe them. Unsure is this is a robot or a real person. There is no phone number to reach this company. I have asked multiple times to close the account and they are stating that I still owe them money that needs to be paid before closing the account. I have a checking account and debit card attached to the account. I was able to reset my banking password to prevent them from withdrawing from it. But my debit card is still on the app and the company will not allow me to remove it. Today, they attempted to charge my card again for {$11.00}. Unsure of the reason. Had I not locked my card, this charge wouldve came through. They just charged my card {$10.00} on XXXX and another {$10.00} on XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-03
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted by a debt collector who said they sent a formal letter to an old address. I have not lived in that address nor do I own that house for over 6 years. I contacted transworld and my former employer multiple times but have yet to receive any documentation as to the debt owed, where to pay it, etc. I specifically requested a letter to be sent to my new residence on XXXX ( request to XXXX XXXX ) and XXXX ( request to Transworld ) and have not received it. I called Tansworld again today ( XXXX ) and they gave me the same speech ( they do not know when it will be sent out ) and then once I mentioned a lawyer, their connection became " unaudiable ''. I tried to call back 5 times and no one answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I finance a XXXX XXXX to Capital 3years ago the car was accident today lost also i have gap therefore i don't understand why i have this bill i contacted them about them send them proof but still charge me and effect my credit will bad I already file a dispute and contacted still no change XX/XX/2016 ( 2 yrs, 10 mos ) Term 72 months Charged off as bad debt Dispute resolved ; reported by grantor

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TD BANK US HOLDING COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Called in XXXX to make a payment and recieved a conformation. In XXXX I received a notice from collection that payment was not received. They did not notify me by mail or phone. In XXXX of 2021 I was asked to verify my phone number, which did not change, and the employee entered it wrong. I was charged late fees and intrest which they refused to correct

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My PayPal was shut down under there terms and services agreement!! Theres no evidence I was doing anything illegal I own a business and do not engage in criminal activity

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: Experian Information Solutions Inc.
State: GA
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:
According to FCRA 15 USC 1681b ( c ) ( 1 ) ( A ), consumer reporting agencies must have my authorization to provide information pertaining to me on a consumer report. Experian has reported inquiries on my credit report about alleged attempts from me to request credit from the following companies on the respective dates listed : XXXX XXXX  XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2022-10-27
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I bank with Truist. Each week I deposit my pay check instead of using direct deposit. I have done this for over 3 years with no problem. Last week, without notice, Truist placed a 10-day hold on my paycheck. When I inquired why this happened, they could not give me an answer other than that " the algorithm flagged '' my check. They then assessed an NSF charge against my account. When I complained they notified me that, when the check clears, I can request a refund of the NSF charge. It seems to me that this is an attempt to illegally generate bank fees. Although I was able to come up with money to pay my bills during the " hold '' period, not everyone is so fortunate. Moreover, they have charged me an NSF fee although it was their actions that caused the insufficiency of funds and will only refund it upon request. This appears to be an unfair business practice designed to prey upon the ignorance of those most at risk of financial difficulties. One must wonder how widespread this practice is and how many tens of thousands of consumers it has, and continues to, affect.

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 2021-06-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Citizens One Home Loans is refusing to review documentation I sent them proving my financial hardship is over and blatantly lying to me, and the department of housing and urban development. 

Their loss mitigation team claims the PDF 's I sent them are " password protected. '' I CC 'd a local branch manager on the email I used to submit them. 

I went into the branch today and he opened them in front of me at the bank today. They were not in fact password protected. 

I called loss mitigation on a recorded line with a Housing and Urban Development Counselor and we phoned in the branch manager, asking if they had a fax machine I could fax these documents on. 

There is a recording of the branch manager saying the documents were not password protected, and the call center employee saying his back end team could not review the SAME documents because they were " password protected '' It is not possible for the three PDF 's to be both " password protected '' and not " password protected at the same time '' They have been lying to me and giving me the run around for 12 months now. I have been calling loss mitigation non-stop and they give me a new scripted excuse as to why no one is capable of taking 15 minutes to review my file.

I am going into citizens bank tomorrow to fax these documents to the five fax numbers I was given today, but I have no reason to believe they will actually admit to receiving these documents, since I have uploaded them eight times on both their website and email over the last year and every time I call there is a new excuse for why they are unable to give me any information. 

This is organized white collar crime, they are holding my mortgage XXXX  and this needs to end. I will be filing a much more detailed complaint later this week. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute regarding the Bankruptcy records that has been reported on my credit report. Equifax has came back stating that they have verified the information as accurate. As my previous dispute stated in a letter from the Bankruptcy Court stating that they do not provide information to credit reporting agencies. I need Equifax to either provide proof that they received such information from the Courts, which is noted the courts never provides such information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: BTH Management
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I contacted Plaza Services LLC XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX on XX/XX/XXXX. We made a settlement agreement in the amount of {$3800.00} regarding a debt in the amount of {$6800.00} with the original creditor being XXXX XXXX. 

I made the {$3800.00} payment on XX/XX/XXXX with my XXXX XXXX   debit card ending in XXXX. I was told that the debt would show a status of settled for less than original amount and the account balance would be {$0.00} after Plaza Services ' next credit reporting cycle. 

I checked my credit report today, XX/XX/XXXX. Plaza Services reported on XX/XX/XXXX reflected my payment of {$3800.00} showing that I still owe 45 % of the original debt. 

I called Plaza to discuss why it does not reflect a XXXX balance on my credit report. The manager that I spoke with was very rude and lied to me stating that they had not reported my payment as of today 's date. 

I tried to explain that I was looking at the report while speaking with her. I asked why she was rude every time I spoke with her while trying to resolve a debt. Her response was that I was simply not getting the answers I wanted to hear. When I tried to explain that she did not answer my question she said " OH MY XXXX ''. I informed her that my calls were recorded and she hung up on me. 

I resolved multiple debts with other creditors the same day as Plaza services. I was never spoken to or treated negatively by any other creditor the way that I was by Plaza services. 

I have documentation of payment in the amount of {$3800.00} as well as proof that they did report on XX/XX/XXXX and that they did not honor the settlement agreement. I also have all calls recorded of communication with Plaza services. 

I am also filing a complaint with the FTC regarding FDCPA violations. I will forward the complaint number when I complete the process.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
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: Card was charged for something you did not purchase with the card

Complaint:
Multiple large online transactions ranging from XX/XX/XXXX - XX/XX/XXXX. Total amount of unauthorized transactions : {$12000.00}. Filed fraud claim with Chase Bank as soon as I noticed these charges. Chase credited my account as they investigated for almost 3 months, then ( according to my bank statement ) on XX/XX/XXXX decided that I am responsible for these charges, and later sent me a letter notifying me that these unauthorized transactions were valid because I received benefit from these transactions???? Around mid XX/XX/XXXX, finally getting the chance to call chase about my claim denial and asking them to reopen my case, I asked the Chase associate what documents I need to provide for my claim, and they said to file a police report and reach out to the merchant. After doing so, with no help from the charging merchant who says theyre a third party merchant and can not reveal who the actual merchant is or what products or services were purchased, I filed a police report with my local police and submitted the summary report I received to Chase. Eventually Chase sent me a letter saying they believe the charges are valid and will reissue the charges to my account, and if I had any questions, I could call the number listed to the Senior Fraud XXXX XXXX XXXX. After calling the number, the XXXX said because the company had all my information, it is difficult for me to prove I did not make these charges and that there is basically nothing I can do. They did not provide me with information on what products or services were purchased/provided, nor could they tell me anything about the charging merchant ( only that they had my information such as name, email, phone number, etc ) and they want ME to PROVE I did not make these FRAUDULENT ONLINE transactions???? I filed a police report, I contacted the charging merchant who would not give me any information about anything, and now Im stuck with over {$12000.00} of credit card charges that I didnt do!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The aforementioned credit agency representing XXXX XXXX XXXX has violated the FCRA by not providing me documents to me in regards to this debt and my HIPAA rights because I do not recall giving permission to even release my medical information to them. This account is unverified and immediately needs to be deleted from all my credit files : XXXX, XXXX, and XXXX. The business is to disclose to me ALL signed documents they have recorded and retained in their files that pertain to this debt. If Credit Bureau Association does not have any documentation, they need to retract this from my credit file immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: U.S. BANCORP
State: CO
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 customer service

Complaint:
After numerous issues in the past 6 months with account restrictions over suspected fraud and/or inability to use the credit card as precaution, customer service has been deplorable. 

An issue occurred this morning XX/XX/2019 while trying to use the card to charge less than {$50.00} to a reputable online vendor. The website froze the transaction and the credit card account was inaccessible both via the app and website login. 

Customer Service agents are rude, abrupt, attitudinal, care little about customer service courtesy and keep transferring the customer after sparring and fighting relentlessly as was the case of the worst insubordinate, XXXX ( supervisor ). None seem to seek to resolve any issue which should be a core competency of their function. 

Senior bank officers at XXXX have been informed of this degradation of service.

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 2021-07-03
Company: WELLS FARGO & COMPANY
State: GA
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:
I received a letter from Wells Fargo stating they would be removing this inaccurate account ( Account Number : XXXX ) from my credit report on XX/XX/XXXX. This inaccurate account is still reporting to my credit as of today XX/XX/XXXX. The fact that they sent me a letter saying they would remove it and didn't was very deceptive under 15 USC 1692j and FDCPA Section 807. On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inaccurate accounts without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. I expect this situation to be remedied by the CFPB using the invoice I attached, I Now suffer from XXXX  because I can't trust these financial institutions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was a victim of a scam, and my bank ( PNC ) has decided not to reverse the funds for a total of {$1300.00} which was through XXXX I tried going through them first before reaching out to this company

Company response to consumer: Closed with explanation