BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: FL
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 charge-off account being reported by XXXX  XXXX, account number : XXXX was opened in my name in XX/XX/2005 without my permission. I believe my identity was stolen to open this account. This credit card was never opened by me nor I gave anyone my permission to open it. I wrote several letters to Experian asking them to remove this fraudulent account from my credit file, they failed to comply. I filed a police report along with an identity theft report and sent them to Experian. 30 days later I received a letter from Experian stating that this fraudulent account was verified as accurate. This fraudulent account, which is now charged-off has caused me serious financial stress and my credit score has been severely impacted. Im asking that Experian remove this account from my credit file immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
An account was opened in my name without my authorization by Bank Of America twice. I believe this is being done by Bank of America and I would like to file a complaint.

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 2018-03-13
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2018 @ XXXX, I made an ATM cash deposit into my TD Bank Checkings account in the amount of {$630.00}. At the end of my transaction a receipt was issused and it read " available '' balance {$630.00}. ( Please note the bank verifies each dollar deposited in the ATM and records it on my receipt ) Immediately I log into my bank mobile app to see the funds " available. '' From the same TD bank mobile app I transfer {$200.00} of the {$630.00} to my TD Credit Card to make a payment. At the end of that transaction, a confirmation number is given along with my new balance in my checking account, {$430.00}. 

Well the bank ends up hitting me with an overdraft fee of {$35.00} claiming the {$200.00} were not available at the time the bank decided to do the transaction. So I called TD bank and according to the bank rep he stated that the Cash deposits at ATMs after XXXX are actually " pending '' and not available. And, that if I went online I would be able to see that. Well that is not what is on my receipt from the ATM and also my checking account moved funds around as if the funds were available immediately after the ATM cash deposit. So why the fees?! Please know this has happen more than twice already and I was able to prove the bank reps wrong and they refunded the overdraft fee. And for the record, Ive have always opted out of allowing any bank to let me charge something without the funds being available. I watch my account thoroughly and try my hardest not to pay these bank fees. I think its unfair the play of words the banks are knowingly using and because of it are actually stealing from their own customers. 

What is " available '' is available and not " pending. '' No where in my TD banking app or during the payment to another account did it showed me any signs of the funds being unavailable but instead transferred " successfully. '' This needs to be addressed. If there is a law protecting this, it needs to be changed. Taking from people when there was no real reason by the customer to be hit with a fee is a criminal act and no law should protect it. How many hard-working Americans who don't read the fine print or don't have the time to look deep into these unjust fees are being robbed daily? And how much of this unjust money is being put into these bankers pockets needs to stop. Another unfair act is that my " courtesy '' was used up on behalf of TD Bank 's mistakes. If I ever make a mathematical error or irresponsibly swipe my card, than by all means I would like to use my one and only " courtesy '' on my own mistake and not the banks. I will sound the alarm!! I will be heard. Please someone from my bank, someone other than a local branch manger, get back to me in a timely fashion. 

Thank You, XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/2022, I called transunion to complaint about several unauthorized inquiries on my credit report. XXXX XXXX XX/XX/2022, XXXX. XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022 and XXXX XX/XX/2022. I informed the representative that I had spoken to each of of the companies that made the inquiries and was informed that any fraudulent inquiries needed to be taken up with the reporting agency. XXXX informed me that they had already requested to transunion that their inquiry be removed 3 weeks ago. Transunion has failed to remove these fraudulent inquiries and failed to address my concerns in a timely manner. All the while hurting my credit score and there by costing me more money in paying higher interest rates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: U.S. BANCORP
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
XX/XX/20 transfer {$5000.00} bank to bank.Today is XX/XX/20 still no not deposited, no answer or dropped call at usbank customer service number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: PNC Bank N.A.
State: WI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I dont know if i am in the correct place or not but I NEED TO BE ABLE TO USE THE XXXX APP!!!!!! I bank with PNC and they wont allow me to use the app even when i sign in. Please change this bs!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
P PayPal - negative {$10000.00} XX/XX/2019 Transfer Loading transaction details for PayPal - negative {$10000.00} XX/XX/2019 Transfer There is an open dispute associated with this transaction. Visit the Resolution Center to view status. 
Paid with Balance Transaction ID XXXX Seller info PayPal Note {$10000.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX my mortgage was being serviced by XXXX XXXX. I contacted XXXX XXXX because I was attempting to bring my mortgage to under 90 days late in order to seek refinancing elsewhere. As per the instructions of XXXX XXXX I sent a psyment to them in the amount of {$1000.00} to be used with the existing escrow refund of {$1200.00} that XXXX XXXX said was being held in unapplied funds. Per the agreement the {$1200.00} would be applied as a payment toward the XX/XX/XXXX payment along with the {$1000.00} I sent in. This then equaled a total payment bringing the account under 90 days late. However, on XXXX XX/XX/XXXX a pyment that had already been posted to the account was reversed and once again applied on XXXX XX/XX/XXXX. When my mortgage did not show as under 90 days late on my credit report I found that there never was an escrow overage and that my Eescrow that was paid in XXXX was used to hide this error. At this po0int in time I asked to be put in the Home Preservation Program to seek a modification to me mortgage. On XXXX XX/XX/XXXX the first filing of foreclosure was submitted in Violation of the Federal Dual Tracking Law. Additionally, the dsappearance of my escrow funds was never truthfully explained and the sevicing of the loan was tranksferred to XXXX in XXXX of XXXX with inaccuracies in the total owed. Additionall, charges were added that violated the Cares Act. My mortgage was in forbearance until 1 XX/XX/XXXX when foreclosing was once again started in XXXX of XXXX which is strictly forbidden by the Dual Tracking Act along with missed payments sent to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
An account with XXXX, now XXXX was opened in my name fraudulently. I have contacted them several times due to not even living in the area where service was established. I have submitted police reports and lease agreements which proved that I didn't live in the area much less start the service. They wont do anything to help me, and it is ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
I own a XXXXXX/XX/XXXXXX/XX/XXXXA customer yesterday, XX/XX/XXXX, placed an order and used PayPal to check out for the amount of {$74.00}. I received an email from PayPal to complete my business account. I completed that as requested. I then received another email from PayPal stating I need to add in my personal email address which is tied to the payment in XXXX. I did as requested. Then today, XX/XX/XXXX, I got an email stating I need to update info and my account is on hold. I logged in and it asked for my license/ ID, which was not requested during setup. I added that info. After uploading that, the very next screen said my account is suspended. No reason why. I can not access the funds that were sent to me. Customers can no longer use PayPal on my website. I called on XX/XX/XXXX and spoke with XXXX. She said she could appeal for me and could not see why this occurred. She did the appeal and said it may take 5 business days to get an email about the decision. She gave me a reference number or case number of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: Block, Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I initiated a ACH transfer request from my XXXX  Savings Account ( ... XXXX ) to pull money from my Cash App ( XXXX XXXX  ) account ( ... XXXX ) in the amount of {$8400.00}. 

On XX/XX/XXXX the {$8400.00} was removed from my Cash App account ( ... XXXX ). 

A couple of days later I received a call from XXXX XXXX  stating that the ACH transfer was " incomplete '' and that I needed to contact Cash App and have them dispute the transaction. 

I created a support case with Cash App ( ref : XXXX : ref ) to dispute the transaction, but Cash App support stated that they could not ( or would not ) dispute the transaction. The gave me the following trace # to give to XXXX to look for the transfer : trace_number : XXXX, XXXX : XXXX XXXX again checked for the funds but stated that the transfer was incomplete and that Cash App needed to dispute the transaction. Further communication with Cash App stated that there was nothing more they could do to help. 

I initiated a support case with XXXX to investigate the issue. Approximately 6 weeks later on XX/XX/XXXX, XXXX called me to tell me that they had resolved the issue and the {$8400.00} was finally credited to my XXXX account ( ... XXXX ) on this date. I do not have any specific details on what the was done to resolve the issue. 

On XX/XX/XXXXXXXX  the {$8400.00} was debited from my XXXX account ( ... XXXX ). I contacted XXXX and they stated that Cash App ( XXXX ) had requested the funds back. XXXX responded to the request by initiating a manual ACH transfer of {$8400.00} to Cash App. The transaction id for this transfer is XXXX. 

This {$8400.00} was never returned to my Cash App account and has been removed from my XXXX account. On XX/XX/XXXX I created a new support case with Cash App ( ref :! XXXX.! XXXX : ref ). Cash App now says that I need to contact XXXX and have them request the funds back. 

I contacted XXXX and they said that since Cash App requested the funds to be returned and since they did a manual transfer of those funds that they no longer have the ability to request the funds back. 

I gave this information to Cash App, but they stated that this was all that they could do and they could provide no new information. I am now at a dead end and out {$8400.00} and no one seems to know where the funds are and Cash App is no longer willing to help me any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: VA
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 sent a letter off in XXXX of 2022, to remove personal information that I don't not want on my credit report. According to the Fair Credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802 no financial institution isn't suppose to share information to third party people. 

These are clear violations of my my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I got an email at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX from Bank of America saying that I'm enrolled in Online and Mobile Banking. I tried to call multiple times this afternoon and couldn't get past the automated system and talk to a person because I do not have the account information. I tried to call the number from the email : XXXX and the number on their site : XXXX. Both were automated and only accepted the preprogrammed responses and had few options. I did not see an email I could contact them with and the email they sent was through this email address 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 explanation
Consumer complaint received 2023-09-27
Company: Maximus Education, LLC dba Aidvantage
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I didnt have much knowledge about student loans and when I signed up at the school they said that I had to pay for my tuition and that it was {$6000.00} and they said that they would help me out and they were like cars salesman where they made it sound so good and I would benefit greatly from getting this loan and I did just that. Well I went through some trauma and had XXXX XXXX  as a single parent and homelessness with my XXXX I didnt know that the loan was increasing and now they are trying to make me pay {$22000.00} and I went on social security for XXXX and other XXXX XXXX and I am trying to get help from your company to help me get some of that interest taken away since I was mentally XXXX at the time..please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: CITIBANK, N.A.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Debt was sold to XXXX XXXX services and account was settled and closed on XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: EQUIFAX, INC.
State: AL
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:
Creditor which is XXXX XXXX  notified me that they sent a notice to credit bureaus but they have yet to response or removed the account from my credit reports. They have been dropping my calls and have extended hold times and I can never talk to anyone about my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Client Services, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a credit card debt with XXXX XXXX  and was referred to Client Service Inc. After several phone calls, I was able to finally talk to an agent who did verify that this debt was referred to them. However, this particular individual was very aggressive in working a payment plan and demanded immediately my bank account information. I was told to do that in order to avoid further action, although that was never specified. XXXX XXXX  never notified me that they were sending my account to a third party. There is very little information regarding this matter from either agency except to what was said to me over the phone. I have no access to any information regarding my account from XXXX and CSI.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
HELLO I m trying to refinance my existing loan with chase for at least 9 months and Chase bank its giving me the run around I have submitted all the documents and later they keep asking me for the same documents, I do not think they want to refinance my loan I think they XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: AmeriHome Mortgage Company, LLC
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I reached out to AmeriHome in XXXX of XXXX  to inform them I was suffering from financial hardship and I needed an extension on my mortgage payment. I was told I needed to fill out an application and it would take 10 business days for them to process the request to determine IF I was eligible for assistance. Consequently AmeriHome reported a 30 day late which is unfair considering I reached out to them and asked for help. All calls are recorded for quality assurance and training purposes. I defer and request they pull the calls for review. I was transparent and asked for help to avoid the 30 day late and since I have paid all of my payments within the grace period provided. The process should not take 10 business days to approve when clients need assistance right away.

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