BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I applied for an auto loan with XXXX XXXX today XX/XX/20 and unfortunately, I was not approved because there are two accounts negatively impacting my credit. The accounts are from a company called XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I have never opened any an account with either of those companies nor did I ever give them permission to run or access my credit information. I did not allow anyone to open accounts with these companies in my name and I have already reported these accounts to the police. I did not benefit anything from these accounts being opened in my name without my permission and I did not contribute to any payments made towards these accounts.

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 2021-10-15
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have 2 collections reporting on my credit from National Credit Systems that are not mine and are a result of identity theft. I have tried in good faith to address this with them directly. I sent in the required identity theft affidavit along with supporting documentation. After a 30 day investigation, collection items remain on my credit report. National Credit Systems sent a copy of the lease. Its obvious its not my signature not correct middle name in the copy of the lease provided. I would like these collection items to be removed from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I had a lock on my debit card with Bank of America for a brief period. And spoke to them concerning an issue over what seemed to be an unauthorized account opened in my name. They suggested I receive a new debit card as a part of the solution which involved me unlocking my card. I knew the balance on the card at the time very well because it was very low. and I keep a daily watch on my account. so when I unlocked my card so an order for a new debit card could be placed, after the call ended. I noticed my account was XXXX lower than before. So I decided to take a closer look at my mobile om line banking app, and in two places where transactions are noted, it only confirms that on the day in which this deposit was supposedly made, I hadn't used my debit card at all. I am in the process of closing my account over this because this is a second occurrence of suspicious activity on my account. I didn't report this prior, because I had no proof to work with. Now I don't think there is anything you can do for me by way of compensation for such a small amount nor am I asking for any. I only feel the matter deserves your attention and of course time. i reside currently, in XXXX XXXX, MA. XXXX. Best Regards

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 2020-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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/2020 I sent a letter regarding inaccurate and unknown things on my credit report and to this day over 60 days later I have not received a response yet. Personally I feel like I'm being taken advantage of and this simply is not fair. Section 511 ( a ) it clearly states that failure to investigate these items within 30 days gives a reason to immeditately remove these items from my credit report but it has been over 60 days and they still havent replied so they should remove them promptly. I demand these accounts be deleted immediately or I will be forced to take action with the FTC. This has been truly stressful. My information was also impacted by the XXXX  data breach and may have somehow gotten into the wrong hands.

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 2021-10-15
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2021, I applied online for a XXXX XXXX XXXX American Express Card. The offer included with my application was the opportunity to earn 40,000 bonus miles after {$1000.00} in qualifying purchases are made on the Card within the first three months of Card Membership. I have subsequently fulfilled the requirement of qualifying purchases but American Express has refused to honor its welcome offer and have not provided me with 40,000 bonus miles. 

American Express has responded and advised that I was not eligible for the welcome offer. American Express has further stated that I was advised during the online application process that I was not eligible for this welcome offer. The response from American Express was incorrect. The company did not advise me during the application process that I was ineligible for the welcome offer, otherwise I would not have proceeded with this application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
the bank its reorganizing the transactions at their convenience, even if I have money on my account and I buy something with my debit card a week later It will charged me an overdraft fee. i spoke to customer service and they are not interested in giving me a solution also I be charged a maintenance fee when I was told that if I have direct deposit I wasn't going to be charged. 
I am very frustrated because since XXXX to now I ve charge XXXX in fees and every month its a average of XXXX per month since I open the account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-16
Company: NAVY FEDERAL CREDIT UNION
State: TX
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:
on XX/XX/2021 I paid a 3rd party for Navy Federal a settlement in the amount of {$3300.00} Navy Federal refused to update my credit report with XXXX, XXXX or XXXX. I sent letters to all three credit bureaus and was told they would need more time to verify the information. Navy Sent me a letter on XX/XX/2021 Saying my final payment was received. the debt was satisfied and no other collections would happen they would update my credit reports with the new information. on XX/XX/2021 I see its been updated with XXXX as charged off for {$10000.00}. XXXX has charged off/write off for {$10000.00} and XXXX says Payed for less than full balance/ charge off and listed as I9. This is not the information that was given to me in the letter. I paid a grand total of {$5300.00} however it's not being reported as such. In fact they are retaliating against me after I paid the final payment of {$3300.00}. This information is not correct and should be corrected to the letter that was given.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have mortgage loan and circle gold check account with Citizens Bank for several years. I start to setup more than one credit cards auto-payment since last XX/XX/XXXX. Its website multiply auto-payments functions sounds NEVER working to me. Originally, I only has one XXXX Credit Cards auto-payment setup with the bank without problem. However, after more than one 's setup, the bank website multiply auto-payments functions is only still working on my XXXX Credit Cards auto-payment setup correctly but NEVER WORKING CORRECTLY for at least half years. I always manage to make manual payment by myself at first months and double check about auto payment settings on their website for slowly and patiently practices variously including call customer services line several months. I am an XXXX/XXXX XXXX guy for my life. I have a lot of my guts feelings about these problems and once even drive to its bank branch located in XXXX PA to let their new branch manager to setup by herself. They seem always divert my topics, have difficulties or blame other company 's problems that are resulted in many late payment, interesting and finance charges at all my credit cards and my accounts in the bank. I have many real-time online screen snapshots document to show they and spend a lot time to solve all problems caused by this bank. I get a lot of credits back from my other institutions and ask this bank cover the rest of my money lost without my mistakes. The bank is refused to do so and insist not their faults. I am very frustrating about the chaos.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX is blocking me from enabling an external application : Truebill

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 2017-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America ( BoA ) ( the servicer ) withdrew two months of PMI/Private Mortgage Insurance AFTER XX/XX/XXXX, even when the legal contract states that PMI will be terminated ON XX/XX/XXXX. 

In the legal contract, it states, " PMI will automatically terminate on the date the principal balance of your loan is first scheduled to reach 78 % of the original value of the property. This date is XX/XX/XXXX. '' The servicer notes that PMI is paid in arrears but they can not find any documentation of it in the original signed contract. The only thing found was that PMI is to be automatically terminated by XX/XX/XXXX, with no further payments. 

If there are payments to be made due to poor planning on the servicer 's part, then they should be responsible for it, not the borrower, who has already paid thousands in mortgage interest and PMI over the years. 

I tried to make efforts to resolve this directly with BoA but I ended up playing phone tag with a representative and, after a few times that I left messages, the representative stopped returning my calls. 

You will find two documents attached. The first document BoA reported to the CFPB, dated XX/XX/XXXX, had no PMI taken out after XX/XX/XXXX and also a lower monthly bill. Then I was sent another document, dated XX/XX/XXXX, with two additional months of PMI taken out and a higher monthly billing. 

From my understanding, if money is taken from an account outside the legal contract and/or without the account holders permission, whether it be this year or any future years, then it is considered fraud and/or embezzlement. If BoA is willing to do it so easily, then who 's to say they wo n't do the same to others or the government.

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 2022-03-04
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 belongs to someone else

Complaint:
When I opened my credit report to check my credit score I was shocked. You posting wrong information. It was never belong to me. Why you put it on my name.

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 2021-10-16
Company: CITIBANK, N.A.
State: WA
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 received an alert of potential fraud charges from Citibank on XXXX/21 notifying me of potential unauthorized charges.

I immediately contacted Citibank and notified them of fraudulent activity and cancelled the card. I subsequently examined the transaction record and found more fraudulent charges.

XXXX21: Unauthorized charge at XXXX  XXXX  #XXXX  $XXXX  
XXXX/21: Unauthorized charge at XXXX XXXX  - XXXX  $XXXX  
XXXX/21: XXXX  XXXX  XXXX  $XXXX  
Incident Description
Total the

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-13
Company: JPMORGAN CHASE & CO.
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: Old information reappears or never goes away

Complaint:
I recently pulled my credit report i have two accounts that are old and keep reappearing on my credit report. They are old and have surpassed their removal date by over 6 years. this is illegal and its effecting me greatly. These accounts need removed listed below XXXX- SHOULD HAVE BEEN REMOVED XX/XX/XXXX JPMCB- CLOSED IN XXXX YET ITS STILL REPORTING

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
103 claims true identity fraud/account fraudulently opened the original creditor for this fraudulent accounts listed XXXX  Report Number : XXXX Transunion File Number : XXXX Account name : XXXX XXXX {$3500.00} Account Number : XXXX Date open XX/XX/XXXX Account name : XXXX XXXX XXXX Account number XXXX date opened XX/XX/XXXX Account name : XXXX XXXX {$1500.00} Account number XXXX i called these companies and give them my personal information and the could not find me in the system. i do not understand how i can not address the fraud with them! please assist me on communicating with these 2 creditors to validate that this is identity theft ..also when i got off the phone with XXXX XXXX about a day went by when my caller id said " SCAM LIKELY '' i answered it and it was call from XXXX XXXX XXXX i thought this was another fraudulent account but it turns out that XXXX XXXX sold a debit to XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , GAXXXX. 

also i recently found out i was involved in the data breach with XXXX in XXXX this is my FTC report number XXXX these fraudulent debt is hindering my ability to apply for credit or even get a frist time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: Experian Information Solutions Inc.
State: IL
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 WAS A VICTIM OF ID THEFT IN XXXX OF 2019. I FILED A REPORT WITH THE FTC, XXXX POLICE DEPARTMENT AND CONTACTED BANKS. I SUBMITTED ALL THE DOCUMENTS TO ALL THREE CREDIT BUREAUS YET THEY DECLINED TO REMOVE THE INACCURATE INFORMATION FROM MY CONSUMER REPORTS.

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 2022-03-04
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
On XX/XX/XXXX at XXXX XXXX from Navient left me a message regarding my private loans. She stated in the message that she had a settlement offer for me, and that I should give her a call back, and that I had these loans for awhile. The phone number that she called from was XXXX. I filed a complaint XX/XX/2021, and asked that Navient no longer contact me via phone, and now they have again. I would like them to not contact me via phone, and I am not sure why they have continue to do so when they stated in their previous correspondence that they would comply with this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Strategic Alliances, 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:
Debt for XXXX XXXX was cancelled and reported to the IRS as income in XX/XX/XXXX. XXXX XXXX still reporting full amount delinquent. If debt has been cancelled and account closed they should not still be reporting full balance amount. I contacted XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX to inquire of this reporting and were advised they do n't have to stop reporting if the debt is cancelled but the amount they are reporting is incorrect for a cancelled debt. 

First Financial is reporting a balance of XXXX on my credit report and the XXXX was paid in full but they are refusing to remove the XXXX because I have another balance in their office of a lesser amount. I contacted First Financial on XX/XX/XXXX to  ask to remove the XXXX from credit report as it is what is reporting and was denied that request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
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:
I am one of USAA 's victims. and was not included in the terms announced by CFPB and USAA on XX/XX/XXXX. On numeroud occasions, USAA denied me a reasonable error resolution investigation and which I continue to labor under even today. The harm USAA has caused is irreparable as they put on a huge facade as to how they labor on behalf of the veteran. This, in my opinion is nothing more than a marketing strategy and ruse. You can look at the national level of complaints against USAA and while I am glad CFPB sanctioned USAA, it was not enough. Furthermore, I am confident I am not the only one left out of the bone-jarring {$180.00} restitution payment. 


Consumer Financial Protection Bureau Settles with USAA Federal Savings Bank Bank Failed to Stop Payments or Resolve Errors, Must Pay {$12.00} XXXX in Restitution, {$3.00} XXXX Fine XX/XX/XXXX Washington, D.C. The Consumer Financial Protection Bureau ( Bureau ) today announced a settlement with USAA Federal Savings Bank, a federally chartered savings association headquartered in XXXX XXXX, Texas. 

As described in the consent order, the Bureau found that USAA violated the Electronic Fund Transfer Act and Regulation E by  failing to properly honor consumers stop payment requests on preauthorized electronic fund transfers, and by failing to initiate and complete reasonable error resolution investigations. USAA also violated the Consumer Financial Protection Act of 2010 by reopening deposit accounts consumers had previously closed without seeking prior authorization or providing adequate notice. 

Under the terms of the consent order, USAA must, among other provisions, provide approximately {$12.00} XXXX in restitution to certain consumers who were denied a reasonable error resolution investigation, and pay a {$3.00} XXXX civil money penalty. 

The consent order is available at : XXXX XXXX XXXX XXXX XXXX XXXX The Bureau of Consumer Financial Protection is a 21st century agency that helps consumer finance markets work by regularly identifying and addressing outdated, unnecessary, or unduly burdensome regulations, by making rules more effective, by consistently enforcing federal consumer financial law, and by empowering consumers to take more control over their economic lives. For more information, visit consumerfinance.gov.

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