BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-13
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I was previously with Simple Bank and switched over to BBVA. I joined Simple as they did not charge any fees. They heavily advertised Banking without fees. I do not wish to bank with BBVA and want to close my account. I feel it is not at all what I signed up for.

BBVA refuses to close my account. I contacted them XX/XX/2021 to close my account. They refused as I had a dollar in my account. From there they have strayed to charge me overdraft fees. I contacted them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to close my account. All three times they refused as now they say I owe them money, and the amount increases every time. 


I feel they should close my account and not continue to charge me any new fees. The terms of the account have been significantly changed since I originally signed up and they are imposing many new policies on me that were the exact things I tried to avoid by choosing the bank with Simple.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-08
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I initiated a transfer of {$500.00} on XX/XX/23 from XXXX XXXX XXXXXXXX ( my checking account ) to my Cash Management/Brokerage account with Robinhood. Records from both entities indicate that the transfer posted on XX/XX/23. Within 1 week, I had been in regular contact with Robinhood because the funds were not showing up in my account. They continually advised that they were researching it or that their review team was researching it. They eventually told me over the phone that XXXX XXXX XXXXXXXX had requested the funds back from them which is why they weren't with them. XXXX XXXX XXXX advised that they never requested, or received, any funds back from them. I initiated a dispute at XXXX XXXX  XXXX on XX/XX/23. On XX/XX/23, XXXX XXXX XXXXXXXX advised that they could not pay my claim based on information received by Robinhood, with final notice being received on XX/XX/23. Robinhood then claimed that I spent those funds and provided cherry-picked information to backup their claim. I resubmitted the claim on XX/XX/23, with documentation ( detailed transaction history from Robinhood ) showing that they received the {$500.00} on XX/XX/23, but then did a " chargeback '' on XX/XX/23 for that same amount, effectively putting my account at {$0.00}XXXX XXXX XXXX XXXXXXXX just responded on XX/XX/23, advising that they could not pay on the claim because I legally initiated the transfer. I also sent another request for the funds to Robinhood and on XX/XX/23 they responded stating they closed my account due to a violation of the customer agreement, though they would not specify which, and that they are " unable to verify the legitimacy of the remaining funds on your account. Therefore, no money remains to be returned to you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Experian Information Solutions Inc.
State: NC
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:
The Credit Bureaus stated that my XXXX account was properly investigated, but how is that possible if the Account number is inaccurate, the High Balance is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Closed Date is inaccurate, the Creditor Type is inaccurate, the Creditor Remarks are inaccurate, the Account Type is inaccurate, the Credit Limit is inaccurate, and the Date of Last activity is not accurate, each of these are a SEPARATE VIOLATION. They also unlawfully reported my payment history in these months and years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each of these dates is a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing for myself and my child! This is grounds for removal. They also violated my rights under 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 an account without my written instructions.

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 2023-08-16
Company: P&B Capital Group, LLC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Collectors from P & B Capital keep calling our office phone trying to collect a debt. We have told them multiple times the person they are looking for does not work here. They continue to call at least twice a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Hello in the month of XX/XX/2022 I attempted to open an account with Navy Federal. I was declined. After months passing by, I attempted to open an account again inside the branch and the young lady stated that I was unable to due to a fraud account that was open previously. I asked several times WHEN, WHERE HOW? Can someone open an account with my personal information, and I didn't know anything about it. I submitted several claims, and the issue is still not resolved and i was told that i owe Navy Federal for an account that was open without my permission. I really need this issue fixed I would like to gain an relationship with Navy Federal and resolve this fraud account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Sequium Asset Solutions, LLC
State: OH
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:
This is my second dispute and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I donot recall doing business or applying for accounts with the following : -XXXX XXXX XXXX # XXXX -XXXX  # XXXX* -SEQUIUM ASSET SOLUTIONS INC # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: V and H Portfolio
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by this company who stated that I owed them for a washer and dryer rental/purchase. This account does not belong to me. I did rent a washer and dryer from XXXX over a decade ago. However, that up account was paid off in less than a month. I do not know anything about this current account or who opened it. I spoke to two different people at this company and asked them to provide verification of this debt but they refused and were very rude and threatened to sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Experian Information Solutions Inc.
State: MS
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 got account an inquiries that are inaccurate and need to be removed from my report 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 2023-08-16
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage reverse mortgage with champion mortgage who have gone out of business and my new mortgage company is XXXX in the past couple of months I had made four payments of {$1000.00} a piece to champion mortgage and when I checked my account with XXXX the mortgage payments did not transfer over I notified champion mortgage who then stated to me they have no record of the payment my bank has proof of cancel checks so I am putting in a complaint for the stolen funds that champion mortgage stole and have not sent to XXXX who they sold my reverse mortgage to. I have proof of Bank payments and will as of XX/XX/XXXX notify the bank again to put in for theft and recovery of the four payments of {$1000.00} each. Before champion mortgage went out of business a lot of the funds were not transferred to whoever they sold accounts to for example for me it would be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: ONLINE Information Services, 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: Old information reappears or never goes away

Complaint:
Collection agencies are reporting accounts as if they are new collections, when in fact the original date of delinquency should be 6 or 7 years old. ( medical bills. stemming from a car accident ). 
1 ) XXXX XXXX Opened XX/XX/2019 {$380.00} Original creditor : XXXX XXXX XXXX 2 ) XXXX XXXX XXXX  Opened XX/XX/2019 {$820.00} Original creditor : XXXX XXXX XXXX XXXX 3 ) XXXX XXXX Opened XX/XX/2019 {$4100.00} Original creditor : XXXX XXXX XXXX 4 ) XXXX Opened XX/XX/2019 {$1100.00} Original creditor : XXXX XXXX XXXX XXXX 5 ) XXXX XXXX Opened XX/XX/2019 {$820.00} Original creditor : XXXX XXXX XXXX XXXX 6 ) XXXX XXXX  Reported : XX/XX/2019 {$460.00} 7 ) XXXX XXXX Opened XX/XX/2019 {$1200.00} Original creditor : XXXX XXXX XXXX XXXX 8 ) XX/XX/XXXX XXXX XXXX Opened XX/XX/2019 {$1300.00} Original creditor : XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: P&B Capital Group, LLC
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: Old information reappears or never goes away

Complaint:
On or around XXXX XXXX I sent a debt validation letter to Ameriassist XXXX XXXX requesting validation of the account they were suing me for. The client was XXXX XXXX. for the amount of {$1700.00} and they were given 30 days to do so. They removed this account from my credit report on or around XXXX XXXX XXXX XXXX. But around XXXX XXXX a company who I have never received a letter or phone call added this same account back to my credit report ( XXXX ) causing my score to drop XXXX points. I would like this removed immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Transunion Credit Reporting Agency ; Transunion refuses to remove a fraudulent Mortgage from my credit report. All other Credit Reporting Agencies has removed this fraudulent Mortgage from my credit report. I have submitted Police Reports, Affidavits, Identity Theft Affidavits and other information regarding my identity theft claim. But, Transunion refuses to remove the account. This issue has been going on since 2019.

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 2019-11-20
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:
There are items on my credit report that aren't mine that are listed in the report attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I reported my card stolen to the local police on XX/XX/XXXX  XXXX on XX/XX/XXXX  I reported lost to the bank. Some how they allowed a transaction on that same card to go though on XX/XX/. I have called the bank and resolved this situation and they are saying I had the physically made a purchase in store. because the purchase was made inside of the store with the card that I reported lost and stolen by the police. They also allow the company to over charge my account after I sent documents over provide what I owe to company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: AGS Financial, Inc
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
AGS Financial Inc XXXX XXXX XXXX XXXX XXXX  NC XXXX This company has used and sold my personal information for about 10 years. 
This company has put a XXXX debt on my credit report. It has been sold to a company 's different agencies every month. Harrasing phone calls daily have been calling and adding this debt to my credit report. 

This has been disputed with all three credit bureaus for 10 years, and nothing has been deleted. Also, I've never seen any signed agreement with my signature. Credit Bureaus have told me several times that it was deleted, but the debt is still on my credit report, along with phone calls daily. 

This has caused a great deal of pain and unwanted financial stress. 
They are abusing their credit power and causing me consumer stress.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Opened up a checking account in my name and deposited 2 checks {$3200.00} and {$100.00}, from XXXX without issue. a few weeks later didn't have the ability to deposit a check via the phone and I called and said that I need to go into a branch and validate myself. A week later my banking account was locked and closed without any notification or followup steps. I called and over 3 phone calls was given different information all 3 times and speaking with a supervisor was given a new solution. Chase didnt give my any options that I can control. They basically gave me the feeling that I created a fake check and used it when that didn't happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
ISSUES : A ) APR increase violated terms agreed to, and it's unreasonable. B ) Improper and questionable notice of the increase. C ) Billing dispute. D ) Closed account without my express authorization. 

A ) Around XXXX or thereabout Citibank called and offered XXXX XXXX + Variable Prime if I transferred money to its Diamond Preferred Card. It stayed that way until XX/XX/XXXX when Citibank got too greedy due to the ongoing Fed 's increases, and then yanked the XXXX from 6.24 % to 15.99 %. Citibank cited my credit score of XXXX, which was baffling given the excellence score and flawless credit history. 

B ) The notice was tucked in on page XXXX of the XXXX bill. Citibank intentionally failed to mail such an extremely important life impacting notice in a separate mail to ensure it was not missed. Citibank sends to me numerous nonsensical other notices in separate mail, raising question why the increase was not sent separately. I regularly make my payments online. 

C ) By the time the outrageous hike caught my attention I already made {$1600.00} purchases on the card past the since the new rate date of XX/XX/XXXX took effect. Consequently I quickly made a payment of {$2400.00} to offset the purchases, with {$67.00} left to cover the regular monthly payments on the balance prior to the hike. However, Citibank lumped the purchases with the preexisting balance in order to disgustingly and unconscionably keep charging me both the old rate and the new rate, despite being informed, clearly, that {$2400.00} was precisely made to offset the purchases that were made due to receiving their notice late. 

To ensure that this problem got resolved I asked Citibank to provide me information how much of the {$2400.00} went to the previous balance and how much went to the new purchases, and what was left of the purchases so I can issue a new payment to get rid of it. Citibank refused. 

D ) I then clearly Citibank that the alternative then would be to wipe off the entire balance and close my account and seize all business relationship for good. The language was pretty clear, yet Citibank went ahead an closed the account but did not write off the balances to end the business relationship. When notified Citibank stated it would reopen the account. At the time of this complaint Citibank has not done so.

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 2018-12-24
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: Information is missing that should be on the report

Complaint:
The account : XXXX XXXX  Acct # XXXX was previously reporting on my Transunion report and now it is not. There was a late payment that I disputed because the company was reporting it in error and it was fixed on the other two bureaus but it was removed from Transunion. 

I am in the process of purchasing a home and by this account not reporting ( it was removed and stopped reporting ) by Transunion it lowered my scores significantly. I  have contacted XXXX XXXX  directly several times and they have sent me a letter saying they requested TransUnion reinsert the tradeline ending in XXXX to my report and it is still not reporting after several months. 

I am purchasing a home and need this account to go back to how it was and report on my credit report! The company has requested it to be reinserted. Please help! I need this account to report to buy 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 2023-06-12
Company: NAVY FEDERAL CREDIT UNION
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:
I am getting multiple HARD INQUIRIES on my XXXX app. 
1. XXXX XXXX XXXX XXXX 2. XXXX 3. XXXX XXXX  XXXX 4 . XXXX XXXX I am also getting denial for credit from others a. Navy Federal Credit Union b. XXXX XXXX XXXX XXXX I never made these inquiries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: NJ
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:
In accordance with the fair credit reporting act XXXX  Account # ( XXXX, XXXX, Experian ) has violated my rights on XX/XX/2018 and XXXX XXXX 15 USC 1681 Section 602 I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 


15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as later for purpose.

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