BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/13 contacted Bank of America at XXXX about identity theft. Someone opened an account in my name. Ive never been a Bank of America customer. Called and provided ssn and dob to verify that it was me. Talked to fraud department at XXXX told to hit option XXXX received a confirmation # that it was a claim being investigated into and account closed. 

Unsure if its normal practice to provide ssn and ssn to close account. This seems unusual to me.

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 2023-12-15
Company: NORTHWEST BANCSHARES INC
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
on XX/XX/2023, Northwest Bank Routing number XXXX XXXX, PA. 
Northwest used Right of Offset on a Joint Account without my knowledge ( I was not the at-fault account holder ). I called an explained the situation and the supervisor, XXXX, said it's their right to obtain their money anyway possible, even if it causes overdraft fees. The amount they took out was over half of what was in the account, less than {$1000.00} in account at the time. He didn't care and said if the autopay bills overdraft, I will be responsible for those fees as well. I explained I was not notified of any Right of Offset and he said I will be receiving notification in 3-5 business days AFTER the fact. I asked why I wasn't notified because I am an account holder, and he said the business is with the other party and I'm not subject to that information. This is unethical! I should be notified of any penalties BEFORE any actions are assessed. I wasn't given a chance to get my name off the account or any other action. Furthermore, I was not aware of the other account holder 's delinquency with a previous account. This should not be allowed by ANY institution. I feel victimized in this process and will now be held liable for any additional fees the bank decided to help themselves in obtaining KNOWING FULL WELL the Right of Offset would cause the account to become delinquent. I was not treated fairly, with respect, as a member in good standing, or as a citizen of the US. If the bank has issues with the other account holder, those issues should have been handled in a different manner and leave me out of it. Now, I'm out over {$500.00} and probably more. To be clear, XXXX basically said too bad, take the money out of another account if you don't want more fees. This is unprofessional and unethical.

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 2022-12-14
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: Reporting company used your report improperly

Complaint:
I called the company and told them that this debt was not mines I also mailed them letters disputing this inaccurate information. 
XX/XX/2022 I certified & mailed letters to each credit bureau reporting this inaccurate information asking them how they came about this information. 
I also showed proof that this account was previously deleted and I provided the report # associated with this information. 
They continue to report and revolve PAST DUE on a collection that has already been disputed. They have not provided me with my signature on any of the accounts that they say were verified.

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 2023-12-15
Company: National Credit Systems,Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I informed them i was not moving into their apartment complex at the end of XX/XX/2023, I never moved into the apartment. The property manager i spoke with whose name is XXXX XXXX with the XXXXXXXX XXXX XXXXXXXX, sent me an email explaining that she recognized that i didn't take ownership of the property and that There is a charge on my credit report for {$3900.00}. Therefore she understood that i should have never been charged. I informed her that this was an issue affecting my credit. XXXX acknowledged this was an error that should have never been on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I bought a car with US Autos Sales in XXXX, GA in XX/XX/XXXX. The company went bankruptcy and sold my car to another company without my knowledge. The warranty I paid for do not exist. Also the company did not have their sellers licenses. The overcharged me for my vehicle. Now the money I paid the new company Westlake Portfolio is not transferring my payments over. They say I owe XXXX on a XXXX vehicle I been paying on. I can't reach anyone on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: IL
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:
XXXXct. # 15 USC 1681 ( 2 ) ( A ) ( i ). ( 2 ) EXCLUSIONS- ( A ) subject to section 1681s3 of this title, Any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Which means it's a violation of the FCRA to report " Late payments '' as that is a transaction. XXXX XXXX XXXX # XXXX XXXX XXXX  Act. # XXXX XXXX XXXX # XXXX XXXX Act. # 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 2023-07-13
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I suffered from a very horrible up hill battle of identity theft. Everything from home utilities to credit cards. JEFFERSON CAPITAL SYSTEM continuously places a fraudulent debt on my credit report when they company was notified of this being fraudulent. I have filed a ftc and police report 3 to 5 years ago, and this did not slow them down. It's almost like this debt company is ran in automation without any human dignity or interaction. They re opened the debt XX/XX/2021. It was previously removed from a different debt collector. Now Jefferson capital starts this over.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: PNC Bank N.A.
State: MD
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
My father open a certificate of deposit with XXXX XX/XX/XXXX naming me as the POD, I have rec 'd interest earning statements up until XX/XX/XXXX nothing after that date. XXXX was acquired by PNC Bank in XX/XX/XXXX. My father passed in XX/XX/XXXX. I put all of his personal papers away. recently i was cleaning and came across this paper work and started my inquiry with PNC bank only to be told that no records exist and I should check with the XXXX unclaimed property office and XXXX office. I called both offices with no results. I furthered my research by visiting a branch of PNC bank. my inquiry was taken and forwarded to the Regional branch Manager, who was to contact me regarding this account. That was on XX/XX/XXXX. I have yet to receive any communication. my calls back to the branch I visited only get the same response. The Mgr. will call you. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
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:
On XX/XX/2020, I purchased a service with a marketing agency called XXXX  XXXX XXXX. During my consultation call, I was told the services could get me 2-5 appointments. I needed 2 appointments to trigger my insurance salesperson contract. The gentleman XXXX was told my situation and that I didn't have the XXXX asked for. I was told that XXXX could give me a discount for XXXX if I signed up on that call. I only had barely the amount. I was nervous but XXXX let me know he had used the service for his insurance career and if it didn't work, I could get my money back within 30 days. I sent an email letting the company know it did not work and requested a refund. I was told that I could not get the refund promised and I was within the 30 days and had followed all of the steps advised by the company. I did not get any appointments. 

I disputed with USAA and have called pretty much everyday or sent a chat. Many of USAA 's agents saw but USAA still sided with the merchant. The merchant sent in a false invoice without a signature or my name or information and lied in the statement sent. My email proves my statements. 

I have attempted to let USAA know this almost daily and they are telling me to contact the merchant which is why I contacted USAA to dispute. The merchant ignores me and has not responded. 

Also, the merchant showcases a money back guarantee on his website, blog and XXXX channel. 

Yet, USAA still does not refund my money. I also sent in all of the documents to show the information. 

I am asking for help and a refund as an over drafted account affects me and I am telling the truth. I also do not have XXXX to waste especially at a time during a crisis. I was trying to keep my job. I lost my job because I did not trigger. 

I can provide all of the documents provided to USAA and all forms of communications, including what the merchant sent in which was false information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX/XXXX/XXXX We purchased a home. Our loan was sold to Ocwen which changed to a predatory negative amortization loan. The loan amount was $ XXXX. On XXXX/XXXX/XXXX We received a predatory loan modification from Ocwen. At time we were thrilled. We thought we can save our home. Under TILA and Dodd Frank Act this is considered a predatory mortgage and is in direct violation. This is not a Qualified mortgage. We live in a large Metropolitan area not in a rural or underserved area. The servicer, Ocwen did not take into consideration our ability to repay. Ocwen imposed upon us unfair and deceptive tactics that violate the Dodd Frank Consumer Protection Act 78 FR 6408. I will upload all documents for your review. On page XXXX, # XXXX XXXX of the modification They have force placed insurance.Ocwen does not accurately disperse escrow funds. They charge excessive fees without any expolanation. What is scary is that even if I try to refy, as stated in the modification, Ocwen retains the right to foreclose on the property and change the terms of the balloon payment. This XXXX XXXX, I fell behind and asked for assistance. Ocwen gave us a forebearance plan. We have met every payment on time. We were required to pay down {$3000.00} before even being considered for a repayment plan. I made my XXXX payment on time. I revieved notice of that my foreclosure sale date scheduled on XXXX/XXXX/XXXX was moved to XXXX/XXXX/XXXX. I have tried to escalate my case. I was told by XXXX XXXX XXXX, Senior Manager of the Trustee for XXXX to file a complaint with the CFPB.gov. How could they put me in foreclosure when I have met every payment obligation?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: CREDIT ACCEPTANCE CORPORATION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I have literally done everything to try to remove this vehicle loan from credit acceptance I have contacted the company directly I have jumped through their hoops got the necessary items police report XXXX they asked for I disputed with the credit reporting agencies XXXX XXXX XXXX and it will not come off the account I just had a XXXX XXXX  and j can't even get a apartment a rental home nothing I went this week to tty to get myself a car loan no one will loan anything to XXXX XXXX of this

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 2023-10-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

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 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 2022-10-14
Company: HUNTINGTON NATIONAL BANK, THE
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The following complaint concerns Huntington Bank. On XX/XX/22 the put a freeze on my business checking account. The reason for the freeze was some type of issue 2 checks I deposited. Huntington Bank was never specific about what the issue was with the check. The check amounts were around {$1300.00} and {$3100.00}. Both of the checks were issued from VIP clients and vendors. It was discovered that both checks had actually cleared the banks they were issued by on XX/XX/22. 
They froze my entire checking account on XX/XX/22, with no explanation. 
Dealing with Huntington is a practice in futility. No one there is able to provide definitive answers, or instructions on how to proceed in re-establishing our account. We were told over and over again the account would be un frozen in 24-48 hours, this has never happened. We continue to spend hours dealing with the branch managers, the call centers and the employees. In the meantime our checks have bounced, including a payroll. 
Our reputation with our vendors and employees has been jeopardized. 
This type of conduct by a bank is completely unprofessional, and unethical. 
Are banks allowed to freeze accounts like this? 
Someone help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3500.00}, {$2900.00}, {$6000.00}, {$2600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$6000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a XXXXXXXX XXXX XXXX in the mail from Wells Fargo on XX/XX/2023. I immediately called Wells Fargo to ask for an investigation into the fraud and close the account. They gave me Case # XXXX for the investigation and told me I would hear back in ten days. On XX/XX/XXXX, I received a letter stating that their investigation found that there was no fraud, how they came to this conclusion was not stated only that they conducted a reasonable investigation. I called Wells Fargo immediately upon receipt of the letter and spoke with 4-6 different representatives, eventually finding out that the email address on the application was not mine, the phone number used for the application was not mine as well, and that they did not close the account on XX/XX/XXXX when I had called about the fraudulent card. Instead of closing the account, it was activated and was maxed out with a balance of {$5200.00}. None of the representatives could give me an explanation for the fraudulent charges or help me with the problem. The last representative said she would reopen the case ( Case # XXXX ) and that I would receive a call from her supervisor in 48 hours, but I never received a call. On XX/XX/XXXX, I received a letter stating that the account was opened on XX/XX/XXXX via electronic application with my SSN, Birth Date, Address, and Email Address. The application did not include a telephone number, even though I was given one from a representative that was used on the application and the application shows a different email address than was given to me by the representative as well. The letter from Wells Fargo said that this was for XXXX # XXXX, which is a case number I never received. The letter also states that I am financially liable for the {$5200.00} because the claim was denied. I have disputed the charges, frozen my credit, and placed fraud alerts with all three credit bureaus. A police identity theft report was made on XX/XX/XXXX. I sent a letter to Wells Fargo on XX/XX/XXXX restating the identity theft problems and included a copy of the police identity theft report, a copy of the credit report showing the fraudulent account, and a copy of CFPBs Notice to Furnishers of Information. I am waiting for Wells Fargo to abide by the law and do what is right.

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 2023-06-15
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 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 2023-05-02
Company: JPMORGAN CHASE & CO.
State: OH
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/2023, my wallet and phone were stolen from my vehicle. There is a police report with my local PD made on this situation. There was XXXX taken out of my account and made to XXXX XXXX sports book, the merchant is refusing to give me a refund and chase bank is not deciding in my favor as of now.

Company response to consumer: Closed with explanation