BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/XXXX I took advantage of a balance transfer option with one of there checks. They then charged me the balance transfer fee and also interest on top of it. Resulting in me losing {$1300.00} in fees and interest. Bank of America said that the check wasnt supposed to be written out to me for deposit but it didnt state that anywhere and the check in front states to deposit or cash and I did just that. When I tried to get this resolved they said I wouldnt get any refund since I used the check wrong, when I asked for evidence of the legal terms they refused to provide it. Then the crazy thing is that they send me another check offer and it doesnt state not to deposit for myself anywhere.

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 2018-11-05
Company: BELMONT FINANCE LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX is attempting to collect a debt that is not owed for Belmont Finance, whom I am also filing a complaint against. In XXXX of XXXX, XXXX XXXX had began to report on all 3 of my credit reports a debt owed of {$1200.00} on behalf of Belmont Finance for a XXXX XXXX that the original contract was for {$800.00} and they illegally charged me over {$1200.00} before I had to close my bank account due to the company refusing to stop the ACH payments on an item that was not only paid off, but also returned. Not only was the original account with Belmont Finance closed in XXXX, but they continually add charges to this closed account monthly, now totaling {$2200.00} to this date and it rises continually monthly. Not only has the {$1200.00} I have paid more than cover the original contract of {$800.00}, but again, the item was returned and this company refuses to remove this false and illegal debt. I will be taking legal action against both companies due to the illegal practices taking place. Neither company will ever receive another dollar from me, and if this continues, and is not resolved once and for all, I will have no choice but to sue both companies as I have my contract and bank receipts for what was paid as well as the emails and credit report copies with false information and illegal charges.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: Debt Recovery Solutions, LLC
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Attached is a letter I received in the mail dated XX/XX/18 from Debt Recovery Solutions , LLC stating I owe {$140.00} to XXXX XXXX. The account was purchased from XXXX XXXX, XXXX from XXXX XXXX. I have not taken out a loan from XXXX XXXX. I contacted Debt Recovery Solution, LLC on XX/XX/18 to let them know I have not taken out a payday loan from this company or any other company. I do not taken out pay day loans. The gentleman on the phone name XXXX was very rude and aggressive. I stated to him that I was going to file a complaint with the CFPB. He said fine but I took the loan out. I stated to him that I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: PNC Bank N.A.
State: DC
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:
Recently purchased XXXX XXXXXXXX from a reseller for XXXX The receipt indicated a different date and the product was defective. Reseller refused to accept the return but XXXX was able to replace the charger for the XXXX. Per the discussion with the XXXX XXXX requested PNC to dispute the transaction and refund. PNC indicates they have investigated and refuse to refund the {$310.00} for the defective item. 

XXXX has provided written feedback on the defective sale which is with PNC. Require PNC to reverse the payment and provide information on why they have not yet provided this service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Sylvania Acceptance Corporation
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a notification on my Credit Report from Universal Acceptance. I called because they had put it as I was trying to buy a car. I called and said it was illegal because I was not trying to buy a car from them. This year a week ago it fell off my credit report and I have been making XXXX dollar payments every since she made it as though I was trying to get a car and pulled my credit report. They are in violation of my FCRA rights, they regard the debt threatened me to take me to court and garnish my checks, and the debt is out of the SOL ( statue of limitations ) in Ohio. The debt shouldnt have been collected any further.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
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: Card was charged for something you did not purchase with the card

Complaint:
I have been an accountholder with Bank of America for some years now. Last year in 2017 there many unauthorized charges made to my credit card with Bank of America which I was unaware of. I have since continued to make timely monthly payments on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 have sent certified letters to Transunion regarding my XXXX XXXX Account. It was paid in full XX/XX/2016 but is still being reported on my credit as an ongoing charge off for the last four years ... and still going. This is inaccurate and unfairly hurting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I LOOKED ON MY CREDIT REPORT AND SAW A XXXX   BILL FOR {$1100.00} THIS IS NOT MY BILL. I WANT THIS BILL REMOVED FROM MY CREDIT. UNDER LAW THE CREDIT AGENCIES MUST SHOW PROOF THAT THIS IS MY ACCOUNT.

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 2018-02-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Select Portfolio Servicing is foreclosing n my house on XX/XX/XXXX. I just received an Ordinance Violation for disrepair of the roof. SPS has held this money since XXXX hey have not worked out an amicable repayment on my mortgage. I am currently on unemployment and recovering from XXXX. 
With the original HAMP/HARP/their loan modification program, I submitted the paperwork in a timely manner. As they requested I called every two ( 2 ) weeks. I was told their was a " computer issue '' and they could not produce the documentation. Their ombudsman stated there was no computer issue. My mortgage went from $ XXXX to over {$700.00} then up to over {$900.00} per month including insurance. I wanted to obtain my own homeowners insurance but since SPS would not release the fund for the claims, no other insurance company would insure the house. I am being forced to move from my home by the end of XX/XX/XXXX. Due to my current health conditions this is virtually impossible and may put my life at risk.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: Professional Placement Services, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I check my report often to make sure my information is reporting accurately. Last year I was a victim of identity theft and had several accounts removed because someone fraudulently used my personal information. I received a notification from my credit monitoring service that an account has been listed on my credit reports. It is reporting under the company Professional Placement Services as a collection for {$50.00}. I have never heard of this company and have no idea who they are. I was never sent any notice or letters in the mail, therefore I have not had a chance to dispute this inaccurate information before being placed on my report. This a violation of my rights and I want this account removed from my credit reports immediately!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: EQUIFAX, INC.
State: NJ
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:
Im extremely mad with Equifax because they are not following the law, I have four accounts ( that are reporting to the other two credit bureaus ( XXXX XXXX ), ( XXXX XXXX XXXX ), ( XXXX XXXX ) and a other ( XXXX XXXX XXXX  ), Are these for accounts are reporting tool or three credit Bureaus as per each creditor.XXXX XXXX, XXXX are reporting these accounts but Equifax fails to report these accounts. I called Equifax multiple times letting them know about the issue also letting them know that they arent reporting anything since XX/XX/2018 they are noncompliant to the law

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: PNC Bank N.A.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2018 I made a payment at PNC in their ON LINE banking system. The payment was not applied as it should have been. I have made the same payments in the past in the same matter without a problem. The funds for the payment were taken out of my checking account on XX/XX/XXXX. I am familiar with the ACH process and know that a batch file with my recorded payment was submitted by PNC, received by my financial institution ( checking account ) and settled/withdrawn on XX/XX/XXXX. I have made three calls to PNC. Their representatives have admitted their problem but will not apply the payment until they find out what is causing the issue internally. All the while they have been checking into this problem my payment has not been unapplied and the loan is accruing interest. 

I asked if PNC can apply a provisional credit of my loan payment while they investigate the issue. I was told no. Keep in mind my account with PNC is in good standing and I have never been late. Image if this payment would have caused an issue on my Credit Report. It would illustrate as a delinquent loan and cause my score to go down due to no fault of mine. 

Very concerned if they continue with this practice and as a result customer 's Credit Score is decreased when it is PNC 's fault. They must change this practice. If I were to apply for Credit and I could not get a great rate because of a error by PNC. This can cause financial harm. 

Your help in this matter is very much appreciated. 

Best Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: EQUIFAX, 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 belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which is what has occured on my credit report. I fear that Federal law has been broken, and that my rights as an American citizen have been violated as no physical verification of the original signed contract has been presented for any of the following accounts on my credit report : - XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX   XXXX - XXXX - XXXX - XXXX - Through The Country Do - XXXX - XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: JPMORGAN CHASE & CO.
State: LA
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 been the victim of ID THEFT and have been trying to reach out to CHASE CARD in regards to discussing the fraud account they keep reporting on my credit report. I did not open nor obtain the credit card that they are reporting. I keep playing phone tag trying to speak to someone! I have sent them several supporting documents as well as a ID THEFT affidavit and police reports. The date there saying this account was opened was XX/XX/2015 with a supposed  balance of {$20000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, There is a Chase Card on my credit report, I don't even have the full account number just the partial provided on report. It says it was opened in XX/XX/2017 last year. Oddly enough it has a credit limit of {$11000.00}, but there is {$21000.00} balance and it has been like that since it appeared on my credit report. It says there is a monthly payment of {$660.00} and it appears to be " current '' with a couple months with late payments according to my report. There is an inquiry on my report for this card on XX/XX/2017. I assure you I XXXX XXXX XXXX did not open a credit card on this day. I only have one credit card and its with XXXX XXXXXXXX XXXX. 
I did not open this credit card but do know this was around when the XXXX  security breach occurred. This card is not on my husbands credit report either. 

I have disputed it many times, but this is fraud and I need help getting it off my credit report! I don't know even where to start with Chase since trying to get it removed with a online dispute hasn't worked. Please help! I do not have a Chase Card. This is causing huge issues, I believe this is a part of the breach and I tried to get help from XXXX as well. I did not authorize this card inquiry and this is not me!! 

Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: SYNCHRONY FINANCIAL
State: SC
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: Investigation took more than 30 days

Complaint:
On XX/XX/2018 XXXX XXXX and XXXX XXXX were sent letters of validation via certified mail. The return receipts show XXXX XXXX 's letter was received by XX/XX/2018 and XXXX XXXX letter was received by XX/XX/2018. I heard no response from XXXX XXXX   until XXXX XXXX-which you can find in the attachments they provided in my last complaint made to them. Well pass the 30 days allotted by federal law to respond to a debt validation letter. XXXX XXXX sent a letter dated XX/XX/2018 but the post mark date reflects it being in the post office 's possession XX/XX/2018, per the corrected post mark date made by the postal service. In the envelope sent by XXXX XXXX they were requesting additional information 29 days after receiving the VOD letter and waited almost a week to send the letter off, which also shows lack of priority and willingness to follow federal law which states the company has 30 days from the date the letter is received to postmark a response. I filed a CFPB complaint and have contacted the 3 major credit reporting agencies of this neglect and the items still remain.

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 2021-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
On XX/XX/XXXX, I met with a personal banker at Bank of America branch location XXXX XXXX, XXXX XXXX, FL to close my checking, savings, and credit card accounts. I paid XXXX dollars to close out my credit card. An annual recurring payment of XXXX dollars from XXXX was charged to the credit card I thought closed on XX/XX/XXXX. For 6 months, Bank of America failed to notify me that a late payment was outstanding. Bank of America failed to notify me the credit card was not closed due to this issue. Bank of America then failed to notify me the credit card was closed after the 6 months of 6 missed payments. 

In XXXX of XXXX, my wife and I purchased a new home. After performing a credit score check, I discovered there was an outstanding charge on the closed credit card bringing my credit score down to roughly XXXX. Bank of America has failed to disclose to me why I was not notified of this outstanding charge and has proven to be unhelpful in rectifying this error on their part. Due to their failure to notify me of an outstanding charge, I had to pay a total of XXXX dollars to settle the account. However, having recently purchased a new home, Bank of America 's failure to notify me of the outstanding charge will potentially result in future financial hardship on myself and my family such as a higher mortgage rate, car purchases, job potential, etc ... 

If Bank of America had notified me of the outstanding charge in a timely matter, The account would have been paid on time. The resulting negative impact on my credit score is putting my financial future in jeopardy.

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 2018-11-05
Company: Freedom Mortgage Company
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Multiple Complaints:1 ) payment information is misleading to the consumer - Loan is paid in full and automated phone system and online system still shows a payment due on XX/XX/XXXX. 2 ) The fees charged for payoff letters are excessive. {$30.00} is ridiculous and was charged for them multiple times in a 30 day period. 3 ) Escrow and details of loan and payments need to be easy to see online, NOT JUST WITH PAPER STATEMENTS. 4 ) last but to me the most important is an issue with them reporting a 30 day late when I did make a payment online before the 30 days - there was a technical problem with it going through and I wasn't notified in time to fix it before the 30 day mark and they won't fix it on the credit reports. I have NEVER had a 30 day late on my mortgage since inception and they can see that. The property was under contract waiting for closing so I was making payments after the due date but paying the late fees accordingly. I also paid AS SOON AS I KNEW about the problem - I called and submitted written requests for them to correct but was denied multiple times. I think this is wrong. This error dropped my credit score over 250 points overnight. This loan was with XXXX and I never had an issue until it was sold to Freedom Mortgage in 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 explanation
Consumer complaint received 2018-09-10
Company: CITIBANK, N.A.
State: LA
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: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/2018 cardholder sought lodging in XXXX area for work. 
XXXX XXXX, XXXX XXXX, XXXX, broadcasted special daily room rate via the company 's web site. Buyer data entered including account number XXXX. In returning confirmation details, XXXX changed the terms of the sale ; its per diem room rate became variable. The advertised daily room rate was fixed, " x dollars per night. '' The vendor was telephoned and asked to cancel because my employer would not accept variable rate terms. Vendor indicated supervisor was notified with 3 other offers in lieu of total cancellation. After discussion ran its course for a resolution, deduction was same, hotel company unwilling to charge fixed rate. The resulting claim came as a surprise.

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 2021-08-13
Company: Experian Information Solutions Inc.
State: PA
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 Was A Credit Card Account Opened With XXXXXXXX XXXX. I Have Fought With XXXX For Years Over This Credit Card. I Informed Then Right Away That It Was Not My Account. I Have Submitted Complaints And Several Disputes On All 3 Major Credit Companies And Still No Resolution. I Have Been Trying To Have This Removed From Credit Report For Years. The Account WaXXXX XXXX XXXX XX/XX/2016. Balance 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