BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-27
Company: Incomm Holdings Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I purchased a XXXX  XXXX  gift card which is distributed and serviced by Incomm Financial Services - from XXXX. I did not even open up the card yet after loading {$200.00} onto the card to pay a bill, and I only had {$1.00} left- just enough to purchase a cheeseburger at XXXX 's when I visited it a few days after purchasing the card and not even opening it yet. I noticed upon logging in to my account that all of my funds had been spent in an entirely different state. I contacted the card services which told me that the transactions were pending and would not be pushed thorugh. That I could call back in 7 days to receive my funds back on a new card after those transactions had bounce. They locked the card, yet the trasactions did go through and now I am completely out of the funds that I need to remain in my housing unit. They said that I may be able to regain some funds in 90 days which is also too long for something that was not my fault. Working in IT and cybersecurity, this is not an acceptable way to handle this customer service situation. It is unfathomable since I am also on social security. Finally it is unacceptable because of them promising to do one thing then doing something else entirely different. They left me feeling betrayed and without any support. It was also a wait time of over 30 minutes to get someone on the phone the first time. Upon asking for a supervisor, I was hung up on. I have heard other such stories like this about XXXX, and it is just unfortunate that because of their support, that I can not buy food this month for my family. I am therefore posting this complaint about their overall service, customer support, and poor policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been attempting to re-structure and settle debt that I have had difficulty managing. In late XXXX, I called Bank of America 's collections department to discuss hardship programs as an option. ( XXXX ). I have since made XXXX more calls to this dept. and discussed various options and in XXXX was offered a plan that would close the account and reduce the interest to 2.25 % and a payment of $ XXXX for a term of XXXX  months. At the time I did not accept the offer, still looking at my total financial picture to decide the best option. 
I called again in XXXX and again in XXXX, on XX/XX/XXXX and then again today XX/XX/XXXX. On XX/XX/XXXX, I was able to make an arrangement on another account, ending in XXXX to settle the account. On XX/XX/XXXX, I also inquired about my XXXX credit card, which ends in XXXX. Again, in previous calls regarding the card ending in XXXX, I was given different options, XXXX of which was for $ XXXX x XXXX  XXXX 2.25 % and another which was $ XXXX for XXXX  months @ 5 %. Today when I called I was told there was no option but credit counseling, through a company referred by Bank of America, which is named XXXX XXXX XXXX. I contacted them at that time ( I believe the first time I reached out to them was in XXXX ). I have since been in contact with them again, went through the entire process and was told by them that they get no better offers ( typically ) than I could work on myself and the person I dealt with told me he thought my best option was to work directly with the bank, thus saving the set up fee and monthly fee charged by XXXX. ( {$33.00} set up and $ XXXX ). Over a period of XXXX  months, this would total {$1500.00}. So today, Bank of America told me that on the account ending in XXXX ( it is current as of XX/XX/2023 ) that my ONLY option is debt management. Meaning, the only hardship offer for me is to pay {$1500.00} to settle the account. I have XXXX issues with this. 
XXXX. Today, XX/XX/XXXX, I was able to close and settle the other account, ( ending in XXXX ) for a reduced interest rate and auto payments from my checking account. 
XXXX. Being left with no option but the one that would cost me another {$1500.00}, making it seem as if Bank of America is forcing me to pay this money to a XXXX party in order to settle the account. If XXXX is able to negotiate some settlement with a reduced interest rate, close the account and pay off the entire balance within XXXX  months, why is that option not offered to me. It is inherently unfair and coercive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I open a chase checking account on XX/XX/XXXX. 

I deposited two checks on XX/XX/XXXX. 
XXXX for {$820.00} and the other for {$750.00}. 

The bank put my checks on hold until XX/XX/XXXX for the following reasons : Info received from the paying bank or due to information we have within our own files. 

On XX/XX/XXXX I told the bank if they can cancel my deposit so I can just go to the issuing bank and get my money the same day. They will not cancel and I just have to wait till the XX/XX/XXXX because they want to make sure they get the XXXX 

On XX/XX/XXXX the check for {$820.00} did not get paid for insufficient funds. I trusted the person who gave me the check an unfortunately he lied to me about the account having the funds to cover the check. 

Now on XX/XX/XXXX the check cleared for the {$750.00}. The issuing bank paid the money and chase is holding my money and doesn't not allow me to get it. They lied to me and they requiring for the person who wrote the check to contact them before I can get my money. This is outrages for them. They are holding my money & lend it out and making interst on it until they won't to give me my money back. I told chase I can provide them of anything they need about me. I provide then with all info they need to open my account. They have personal information. I DONT HAVE ANY CONTROL ON THE PERSON WHO WROTE ME THE CHECK NOR DUE THEY. The issuing bank has there information and if they had a issue with my check they would have check with there client. They paid the money because everything was good. I told chase you made me wait 10 days and I did and the money was cleared by the issuing bank and they no right to withhold the money they received for me. It's not there money, so what give them the right to hold my money. They need to pay me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 wrote a letter to the XXXX XXXX informing them that I would like them to cease and desist the reporting of my non public private information to the credit reporting agencies. On XXXX I recieved a response stating that they are REQUIRED to report my private information to the ( CRA 's ). There is no such law stating that ANYTHING has to be reported to any ( CRA ) in fact 15 usc 1681a s ( 2 ) ( i ) states in the construction of a consumer report excluded should be '' information solely as to transactions or experiences between the consumer and the person making the report ; ''. Furthermore according to case law XXXX its determined that ( CRA 's ) are so intertwined with the banking system that they are considered financial institutions and governed by the gram leach bliley act under this act for two financial institutions to share information they are to provide me a privacy notice and an option to opt out of the sharing of that information. upon calling the number to speak with a " knowledgeable account manager XXXX from Delaware '' she informed me that there was no such option to opt out and that company policy requires the policy and the only way I could speak to the legal department was if I was a lawyer my self. this company is both liable for willful and negligent noncompliance. 

" 15 U.S. Code 6802 B optout ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ''

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 2023-03-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
8. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, 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 2023-03-27
Company: NAVY FEDERAL CREDIT UNION
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello! I have never missed any payment for anything in my entire life. Due to an error of Navy Federal Credit Union, my credit score has been significantly decreased and I am unable to purchase a home. Please remove the {$12.00} error from Navy Federal Credit Union that has significantly impacted my otherwise perfect credit.

I opened a Navy Federal Credit Union Credit Card to pay for a medical procedure. When I was able, I paid off this account in full. I paid in full. I assumed that was it. Navy Federal said that I didn't pay the {$12.00} of interest on the amount I paid off and sent that amount to collections. I never received a phone call about this amount. I never received a text message about this owed. I never received any mail to my house about this until I got a letter in XX/XX/2022 saying I was 60 days past due on {$12.00}. As I had already paid off this account, I was confused. Also I didn't understand how they NEVER CONTACTED ME IN ANY WAY about this {$12.00} owed. I immediately paid but this has now beed reported to the credit bureaus and has significantly impacted my credit score. How can a bank plummet someone's credit over {$12.00} that they never knew they owed? If I am not contacted about an amount I owe, I can not pay that amount. I am happy to share my phone records or records of USPS scans of incoming mail to my house. I never received any contact from Navy Federal Credit Union over this {$12.00}. I'd like this {$12.00} past 60 days due off of my credit score reporting but I contacted Navy Federal and they said they were unable to help. They were not helpful. I would never do business with them again but I hope the CFPB can do more.

People should not have their credit ruined over {$12.00} that they didn't know that they owed. The bank should have to show that they contacted the person before they sent it to collections. I am happy to show I was never contacted in any way until I got a letter saying I was 60 days past due. This has impacted my credit score by at least XXXX points. I would have otherwise perfect credit if it was not for Navy Federal Credit Union 's poor policies. Now I likely can not buy a house over this {$12.00} issue. Please do not let this happen to other people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
The following account and hard inquiry currently listed and showing on my XXXX, XXXX, and Trans Union credit report is fraudulent, not my account and is the result of identity theft : XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$4200.00}, and 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 non-monetary relief
Consumer complaint received 2023-03-27
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have two issues with a recent escrow analysis on my account that is causing my monthly payment to go up by {$800.00}. 

1. I requested that recent overage check ( issued XX/XX/23 ) be cancelled. I have not cashed this check and mailed in a response four weeks ago requesting that the check be cancelled and be refunded to my escrow account. I have received no action or response to my request. 

2. I have called the tax department of Freedom over four times in the past week and no one answers the phone. I requested call backs, but have not received a call back. The most recent ( XX/XX/23 ) escrow analysis says I make semi-annual payments of {$4700.00}. However, I make an annual payment of {$4700.00} for my taxes. This makes it seem as if I owe more in taxes than I do. 

This is urgent as I can not afford an additional {$800.00} per month in my mortgage.

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 2023-03-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Every payment had late fees added to the statement. Even though I was never late on those payments. 
Spoke to an agent and he was answering my question with questions and could not be upfront on why I was getting different amounts of late fees every month

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 2023-03-27
Company: Spring Oaks Capital, LLC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
An account was placed with Spring Oaks Capital LLC for collection, they contacted me first in XX/XX/XXXX with a dunning letter, not recognizing the debt I immediately sent a validation letter. They failed to respond until XX/XX/XXXX and the validation was a copy of a single card statement, no proof of ownership of the debt by myself, and no proof that the account t had been transferred to their company. I wrote again requesting the information and received correspondence indicating it was the same matter already investigated and they wouldnt investigate it. I sent another email clarifying what I was requesting and that a card statement does not prove ownership, application for the card, or that their company is authorized to collect the debt. They once again responded that the dispute was the same and had already been investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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:
Pease refer previous complaint ID : XXXX for more details. Please DO NOT close the case This is regarding my money being stolen from Bank of America online ( via BILL PAYMENT ). this is reference ( XXXX ) to BOFA company asked here is information : XX/XX/XXXX : Again BOFA requested : In the event you are able to provide proof of malware from your internet provider or mobile phone carrier, the claim may be re-opened for review. 

XX/XX/XXXX : I called XXXX internet provider customer service on the phone, they confirmed-NO breach happened at that time. they are not sure how I was hacked. 
Please do reconsider the claim, as you know history : On XX/XX/XXXX When I noticed XXXX pending transactions trying to post against my account. I contacted the bank immediately XXXX went to XXXX , md police satiation and filed a case related to the same thing ( XX/XX/XXXX, XXXX received a police report as supporting documentation ) XX/XX/XXXX : I Sent XXXX XXXX cell phone provider transaction copy ( as BOFA requested ) . 
XX/XX/XXXX : Again, the BOFA investigating officer called me and inquired about laptop window security/Defender/malware/version.etc and He told me to get back to me. 
XX/XX/XXXX : Again, BOFA fraud dpmt requested to provide support document saying that My computer hacked, or malware got affected from XXXX XXXX ( diagnosis system ) XX/XX/XXXX : I went to XXXX XXXX center, XXXX, MD XXXX XXXX XXXX said that since the unit has been reset a report would not be possible as the unit was already cleaned by the full system reset to factory settings that was suggested by bank of America at the time of the process ( on the call on XX/XX/XXXX ). 
So even if I hadnt reset my laptop, XXXX XXXX informed me that they would not have been able to produce a report as it happened a couple of months ago and XXXX periodic updates would run in meantime, would have removed the detected security issues. 

So please help on this, seeking assistance in getting the funds returned. 
CLAIM # XXXX BUSINESS NAME : XXXX XXXX XXXX LAST XXXX DIGITS OF ACCOUNT # XXXX POLICE REPORT # XXXX Office of the Comptroller of the Currency / Case number : XXXX Thanks & regards, 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 2023-03-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
RE : ACCOUNT IS CLOSED FEW YEARS AGO AND XXXX INSERTED NEW REMARK ON XX/XX/XXXX AND FURTHER I MPACTING ME, MY FAMAILY AND MY CREDIT THIS COMPLAINT IS NOT A REQUEST TO GET LEGAL HELP. THIS COMPLAINT IS AGNIST XXXX, BEEN CAUSING HARMFUL IMPACT ON MY CREDIT, THAT HAS IMPACTED OUR DAY TO DAY LIVES ( FAMILY AND MINE ). 

XXXX HAS BEEN AND CONTINUED TO BE NEGELENT IN RESOLVING THE HARMING ITEM IN MY CREDIT. I HAVE BEEN FIGHTING AND STRUGGLING TO RESOLVE THIS ISSUE IMMEDITELY AFTER THE TRANSACITON OCCURRE IN LATE XXXX. THE CONTINUED ACT OF XXXX IS NEGELEGANT, INCONSIDERATE AND SHAMEFUL. 

I NEED HIGER LEVEL TO BE CONSIDERATE AND RESOLVE THIS NEGATIVE IMPACT WITHOUT DELAY AND DO THE RIGHT THING. 
PLEASE STOP XXXX TO CONTIUE TP ABUSE MY CREDIT AND CAUSING IMPACT ON MY DAILY LIFE. THIS IS TOO MUCH OF THE ABUSE OF POWER TOWARDS NORMAL AVERABGE CONSUMER AND SEVERE IMPACT BY 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 2024-01-17
Company: The CMI Group, Inc.
State: LA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been disputing this account with the three credit bureaus since last year. The company was deleted last year off my credit reports and now it's back on my credit report. I have filed a police report and a FTC report. I called the company a few months ago to get the problem resolved and it still remains on my credit report. I even sent them a debt validation letter requesting them to send me documents but they failed to do so. I am a victim of identity theft and I never opened this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation