BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Dear [ BOA representative ], I hope this message finds you well. I would like to address a matter of concern regarding the monthly fees I have been charged by BOA for several years now. As a valued customer who has been with your institution for over a decade, I feel it is important to bring this issue to your attention. 

In reviewing my account statements, I have noticed consistent monthly charges of {$12.00} listed as a " Maintenance fee. '' When inquiring about the purpose of this fee, I was informed that in order to avoid it, a minimum daily balance of {$1500.00} is required. While I understand the need for banks to manage their operations effectively, I find it unreasonable to be penalized for not keeping a certain amount in my account, especially considering I have never had a returned or bounced check. 

As a responsible customer, I believe it is my right to manage my finances as I see fit, without undue restrictions or fees imposed by the bank. I place great importance on my hard-earned money and find it unjust to have to pay fees to access more of it or to be dictated on how much money I should maintain in my own account. This level of control seems excessive and lacks the necessary transparency and oversight that customers like myself expect. 

In light of these concerns, I kindly request a thorough review of the fees I have been charged over the years. Furthermore, I request a refund of the accumulated fees, as I believe it is only fair to reimburse me for the funds that have been unnecessarily withdrawn from my account. 

I look forward to your prompt attention to this matter and appreciate your understanding of my perspective as a loyal customer. Should you require any additional information or documentation, please do not hesitate to contact me at your earliest convenience. Thank you for your time and consideration. 

Yours sincerely, 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 monetary relief
Consumer complaint received 2023-07-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX i paid through PayPal for a dress white color for my wife 's upcoming birthday.

The seller was not providing the tracking number and as soon as I disputed with Paypal he provided the tracking number to show that something was sent to my address. 
Instead of my order dress the seller shipped me flash drives, in XXXX XXXX pieces maximum price is {$10.00} to {$20.00} So i was cheated, the seller wanted to let us know that i get the shipment, but it is impossible to send my order - dress in XXXX inches envelope. 
I provided PayPal all the photos, what I ordered and what I received. And because the seller provided to PayPal the tracking, that I provided much earlier than the seller, Paypal made a decision for seller 's favor. But I appealed their decision and PayPal advised me to report this issue to XXXX or CFPB and they will make a decision on my favor.. So I paid {$400.00} for couple of flash drives. I provided the photo of the envelope with flash drives where is clearly reflected the same tracking as the seller provided to PayPal.

Attached please find pictures of what I ordered and what I received.

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 2023-07-31
Company: Experian Information Solutions Inc.
State: PA
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 submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 2019-06-12
Company: Cedars Business Services, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
hello. i just received 4 notices through the mail, that was sent to my old address. they are from - cedars business services , llc. - XXXX XXXX XXXX XXXX, XXXX, Ca. XXXX. 1. file # XXXX {$390.00}. ( 2. # XXXX {$390.00}. ( 3. # XXXX {$390.00}. ( 4. # XXXX. {$390.00}. im assuming it is a traffic or parking ticket that i have no knowledge of. from XXXX. i havent been there in XXXX years. and the amount is quite staggering. im a XXXX military vet, with head & neck XXXX. i need help in this matter. thank you ssg XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: IN
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:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN 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 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 2023-07-15
Company: BARCLAYS BANK DELAWARE
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 XX/XX/2023 I checked into the XXXX XXXX for XXXX nights for the XXXX XXXX XXXX XXXX XXXX. I am a sponsor with XXXX XXXX XXXX in XXXX XXXX, Texas. Checking in with me were my co-sponsor ( XXXX XXXX XXXX, and XXXX students. We had reserved four rooms in total one for me ( XXXX XXXX ), one for XXXX XXXX, and two for the students ( identified on the receipts as XXXX and XXXX on the receipts ). According to XXXX XXXX XXXX policies, I gave my Barclay credit card ( ending in XXXX ) for the charges to my room, XXXX XXXX used her credit card for her room charges ( ending in XXXX ), and the two student rooms ( XXXX and XXXX ) were supposed to be charged to the XXXX XXXX XXXX credit card ( ending in XXXX ). Upon checkout, we were given receipts verifying the correct charges to the correct cards for all four rooms ( see attached ). 

Upon returning home, we discovered that all four rooms were charged twice, once on XX/XX/2023, and again when we checked in on XX/XX/2023. I called the hotel and spoke to the manager at length on XX/XX/2023. The manager insisted that my personal credit card had not been charged at all, but that these were temporary holds. I submitted documentation to XXXX XXXX showing that the charges to my card ( XXXX ) had gone through twice, but he told me on the phone that they had no record of that and that I should dispute the charges with my credit card, which I did immediately. You credited the charge back to me on XX/XX/2023, but have now incorrectly reversed that decision and allowed XXXX to charge my card a third time for {$1200.00}.

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 2023-07-15
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received XXXX emails this morning from Chime. The first was a new login alert and the second was a welcome email from the CEO thanking me for opening a new account. I have never heard of Chime and never signed up for a Chime account. I contacted their fraud department and they closed my account but confirmed that my social security and personal information were all used to create my account. Other users on forums are mentioning they experienced something similar with Chime. I believe Chime is doing something nefarious here creating fake user accounts with breached consumer data and Chime is definitely not secure. Their signup procedure is way too lax for a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX my adult daughter XXXX XXXX XXXX was in a car accident driving my car and was taken by ambulance to XXXX XXXX XXXX XXXX XXXX. She was not cooperating with the trauma team due to her condition and XXXX admitted her using my name and date of birth ( I'm assuming they obtained my name from the vehicle registration ). Even though they had her medical card! I was horrified to find out my medical privacy was violated when I noticed my daughter 's ER visit to XXXX XXXX XXXX XXXX XXXX was entered into my XXXX XXXX medical record as if I was her and the patient on that XXXX visit with them! They have may age, height, and weight all incorrect as well. I also received a collection notice attached here for the services they provided to my adult daughter. She is not a dependent and does not live with me. I've made numerous calls to the XXXX XXXX XXXX at XXXX and each time they assured me the information is corrected. Here we are months later and the information is incorrect in my XXXX medical record. They need to correct the XXXX XXXXXXXX XXXX link now. They also need to correct the billing information from the XXXX XXXX XXXX XXXX XXXX and CMRE FINANCIAL SERVICES , INC to reflect my daughter 's information XXXX XXXX XXXX XXXX. XXXX. I filed a dispute with them too and I'm unable to obtain what they are asking for because I was not the patient! Any assistance you can provide will be much appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP XXXX 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 explanation
Consumer complaint received 2023-07-15
Company: T.S. Holdings
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Attempted to settle the debt, they asked for multiple personal details ( rent, dependents, etc ) I refused to give that information. I asked for a manager. The woman was instantly aggressive and began yelling at me. She was yelling that I owe this debt I have to pay it etc. I couldnt get a word in to explain I was attempting to settle the debt, so I got frustrated reacted and hung up. After that they tried to put a duplicate collection on my XXXX credit report, which I had to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I got a text from a number ( I usually get texts from my bank whenever I use my card ) asking if I made this recent purchase. Right before this I made an unusual purchase for me ( $ XXXX ). I didn't think anything of it because my bank is very good at securing my money. The text read " If you didn't make this purchase, click this link ''. I clicked the link provided and entered all of my information ( act #, routing #, SSN, driver 's license, etc.. ). Yes, I'm an XXXX, feel free to make fun of me. I didn't realize until after I was finished that the text came from a 10 digit number ( XXXX ). That's when I got nervous and contacted my bank, closed everything, changed all my accounts, withdrew everything, contacted XXXX and report fraud. I still need to contact Social Secruity, but have to wait because it is the weekend. I am hoping to get a new SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: PENTAGON FEDERAL CREDIT UNION
State: MD
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 opening saving account with PENFED, they offered me credit card and send a credit card. I did not even request or apply for their credit card. They saw my account has good chunk of cash on the account. They talked me to it as the best card to own with a such nice of credit line. Because my life is extremely with my veterans patients before and during COVID-19 pandemic, I requested to have my credit card payment be automatically taken from my account. I sat in the office of PENFED branch bank located at XXXX XXXX XXXX XXXX DC XXXX at the same governmental agency, XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX ) where I am employed as XXXX XXXX with PENFED back representative to setup direct deduction from my account for credit card payment. I was an XXXX American male who promised me that there is an option to setup direct deduction from my account as I have my direct deposit already setup and ongoing. After approximately 45 minutes to an hour in his office, I was told that my direct deduction has been successfully setup and ready to go. I do not have way of knowing that the individual employees of the PENFED was incompetent in accounting as well as setting up the system where my due credit card be paid on time. I trusted him, and trusted the system. But the PENFED failed to keep the promise they made by keep unskilled employee at office as a customer service representative. 
They damaged my credit history and my credit scores. 



I had credit card from PENFED Credit Union.

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 2019-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting. 






Re-investigate and Remove this item from my credit reports ASAP

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 2018-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have disputed the late payment on this XXXX XXXX XXXX for months. XXXX and XXXX   have reversed them but Transunion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2023-07-15
Company: HW Holding, Inc
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am being charged for something that I didn't do by XXXX XXXX they filed this in XXXX and I been out of that residence since XXXX due to XXXX XXXX that I went through with my ex because he almost killed me but not only they pin this on me when it was squatters who did it they sold my information to a collection agency without me knowing this and I didn't sign any paperwork for them to do this it is against the law code 15 USC1681B for them to sell your information without you knowing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: EQUIFAX, INC.
State: SC
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:
CFPB Write up 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-07-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
During my loan I got behind once. But had to make it up. so ever since that point I would pay XXXX to XXXX dollars more than my payment. And chase would always apply it as a late charge and not towards principle so I believe they owe me money. My loan is paid off now but It still bothers me they cheated me out of that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Acct no XXXX XX/XX/2020 XXXX {$1800.00} Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. 
This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this

Company response to consumer: Closed with explanation