BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
We opened two Credit card accounts with Bank of America in XXXX and XXXX. From XX/XX/XXXX through XX/XX/XXXX we took advantage of several promotional offers by initiating Balance Transfers totaling {$22000.00}. We used promotional checks to transfer monies to a higher interest rate XXXX Mastercard ( memo on checks clearly shows the intended use as " Balance Transfer '' ). The checks were part of promotional material sent to us by mail. The offer description clearly states that in order to qualify for the offer, a Balance Transfer or Direct Deposit must be completed by calling, online banking or by using the attached checks. In addition, the offers stated that after promotional offers expire, existing balances for Balance Transfers will go to a variable APR rate.

After each promotional offer expired, existing balances for each Balance Transfer were incorrectly moved to a Direct Deposit/Cash Advance category and higher interest rates corresponding to this category were charged until XX/XX/XXXX. 
The offer material did not state that Balance Transfers can not be made with attached checks. Only XXXX Transfers occurred and only Balance Transfer interest rates should have been charged.

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 2022-02-02
Company: Dynamic Recovery Solutions, LLC
State: AL
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 am having a identity theft issue that I am not able to resolve directly with the credit reporting agencies or the companies. I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the US Federal Courts to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file without my permission is a consumer law violation per 15 USC 1681 ( b ). XXXX XXXX  XXXX, XXXX, and XXXX  XXXX  are accounts opened by someone who stole my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-07
Company: EQUIFAX, INC.
State: CA
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:
In XXXX I was trying to get another XXXX XXXX  to report what my correct high credit limit was and current outstanding balance to get updated as I had paid it down. I could not get XXXX nor Equifax to show my historical limit was higher than was reported and disputed that account # XXXX 1st # s. By mistake Equifax/XXXX deleted a different XXXX account from my credit report. I had a XXXX XXXX with XXXX  for over 10 years with the last payment being made in XXXX of 2015. This account had a limit of {$13000.00}. I Closed this account and paid as agreed. For some reason Equifax and XXXX dropped this card from my credit history. I HAVE NEVER DISPUTED THIS ACCOUNT as is it is mine and had a XXXX balance when I contacted my creditor/XXXX XXXX they said they NEVER delete accounts from credit reports. I asked that Equifax put the account they removed back on my report and they said they can not because XXXX is the one that deleted the card. XXXX told me Equifax has it on my older reports and should accurately report it XXXX can not do anything about reporting. I have proof of this card and that XXXX was reporting it now they will not put it back on my report and it has damaged my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XX/XX/XXXX of this year, I decided to pay off the total balance of my signature plus loan to a total of {$6600.00}. I wanted to pay off this balance because my APR was 12.5 % and I wanted this off the books. After waiting over a week for this transaction to clear my account, I went onto my Navient account mind to see that reversed my payment and charged my the full months interest and then deducted my monthly recurring amount of {$100.00}. I called Navient to resolve quickly, and they apologized for the issue and came to the conclusion that there was a glitch and that their computer tried to pull the funds from another account I had on file. My pushback was that I have never had another bank account associated with my Navient account. I was charged {$70.00} in interest and then paid the remaining balance off in full over the phone, and I will be waiting 3-5 days for that payment to clear. I am sure I am not the only one that this has happened too. And the blatant corruption and abuse to student borrowers need to stop NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a veteran. My husband and I were pre-approved by USAA and contracted to buy a home 3 weeks ago. We have submitted all supplemental items requested by the bank yet, we have not heard from our loan processor once. She apparently had some sort of situation and has been unable to address our loan. We were passed off to another loan processor who wouldn't respond to emails and then went on a week vacation without informing us, or having any sort of auto response to emails. She just disappeared for a week ( after several days of her not replying before she went on vacation to begin with ). We only found out when we called her manager to complain, who assured us our original loan processor was back. That was 5 days ago, still no word from her either. We need to have our loan commitment in 6 days, and we can't get ahold of any processor who is handling our loan. If we don't secure this loan in the next week we could lose our house. If they had an employee emergency and the alternate is too busy to help, someone should have told us that no one was handling our loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: PACIFIC WESTERN BANK
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Pacific Western Bank foreclosed our home in XX/XX/2014 and sold it for more than the loan amount that the money we owed them. We lost our home because they refused to extend the loan so they could take it and make more money. 
Then the bank said that we owed them {$210000.00} in attorneys fees and other fees for {$90000.00}, that's a total of {$300000.00}. Our attorney said that the bank can ask for interests which makes the amount now {$400000.00}. The bank didn't lose money when they took over our home and sold it. The bank has been harassing us for 5 years and continues to harass us and wants to take whatever we have left. This bank actions have caused us a great hardship which has created severe trauma in our lives by continuously attacking us and threatening us. They now want to take the home we live in and another property too under their carefully planned scheme.

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 2020-09-16
Company: JPMORGAN CHASE & CO.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a new checking and savings bank account online at Chase.com on XX/XX/20 under a promotion to earn up to {$600.00} if certain deposit thresholds are met. Account was approved online and I proceeded to remote deposit a {$5000.00} payroll check on XX/XX/20 and a {$2500.00} payroll check on XX/XX/20. On XX/XX/20, I attempted to login to my account and discovered I am locked out and my account was restricted. I followed the online instruction to contact a Chase call center. A customer service rep told me my account was restricted and I will not have access to the any funds until I make an appointment at a Chase branch with a banker and validate my identity. The checks were processed and the funds will be locked up indefinitely. Plus I will unlikely receive the promotion bonus due to the time it will take to validate my identity and lift the restriction. There would be no way to deposit funds into the checking and savings account to meet the {$600.00} promotional terms while the account is restricted. 

I am an older person with respiratory issue and have been staying at home during the last 6 months to minimize risk of getting COVID-19. I need access to the funds deposited at Chase to pay the rent, food, car loan payment, healthcare expenses and utility bills. Chase does not offer an option to authenticate online or via other non face-to-face methods unlike other Bank. As the largest Bank in the country, Chase is causing financial hardship for consumer of color with their draconian fund restriction policy AND baiting consumers with an attractive promotion term with no intention to honoring the promotion via barriers to block consumer from meeting the qualifications. I am taking precautions to prevent interaction with others out of fear for COVID-19. Chase is forcing me to take a health risk in order to gain access to my money. Despite their " Clean Policy '' and promise to clean their branch, I am not comfortable putting my life at risk but can not cover expenses without access to my bank account in the next 14 days. If I have symptoms of COVID-19, Chase will deny my visit at the branch and will lock up my money for many more weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I got a Chase XXXX in XX/XX/2018 with the understanding that I would receive XXXX points if I spent {$3000.00} in the first 3 months. I spent that amount in about a month by early XX/XX/XXXX. They changed their policy on XX/XX/XXXX to two free night awards if you spend {$3000.00} in first 3 months ( this is worth less ). They did not honor the agreement to give me XXXX points, instead giving me the new offer, despite the fact that I'd spent {$3000.00} before the new policy came into place and I got the card based on the original offer, not something they changed it to halfway through my 3 months. I felt this was dishonest and I canceled my card after discovering what they'd done. They claimed that wasn't the offer when I got the card ( some basic XXXX research and my own memory say otherwise ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: Bread Financial Holdings, Inc.
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
I'm having trouble making payments on my XXXX XXXX account with Comenity Bank.

They have taken to calling me repeatedly with spoofed and " restricted '' numbers.

I've already told them I'm in trouble and they've offered no help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I realized that I had a bankruptcy that was on my account with all three credit bureaus. I contacted the bankruptcy court and they said they never gave them that information. Then I did a dispute with all three credit bureaus and I requested based on the Fair Credit Reporting Act that they provide who is giving them this information that was in XXXX. They all basically said that XXXX XXXX was providing them with that information. Then I contacted XXXX XXXX and they did a re investigation and they said that they were unable to verify the accuracy of both bankruptcy 's. They also stated that they disputed the bankruptcy that they provided to XXXX XXXX, and TRANS UNION and they said that they have received no response. Then I sent out a letter in XXXX to all three credit bureaus demanding deletion of both bankruptcy 's and I provided the letter from XXXX XXXX verifying this. They all sent me letters back two of which they were not going to delete them because XXXX XXXX verified the bankruptcy 's. XXXX  removed the bankruptcy. In XXXX I contacted XXXX  and TRANS UNION again via phone the representative acknowledge that they had the document from XXXX XXXX and would apply the information but never did and I contacted XXXX  today and XXXX again said they see the information but does not know why it has not been removed. I contacted XXXX XXXX in XXXX and they told me that they would do another dispute on there end and 30 days later they said that none of the credit bureaus responded to the dispute.

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 2019-05-20
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I bought a new house in XXXX of XXXX. The servicer of my mortgage loan was/is XXXX XXXX XXXX, XXXX. Beginning with the first mortgage loan payment, I requested that my bank, SunTrust, send the payment directly to XXXX XXXX. According to SunTrust, the first two payments were mailed to XXXX XXXX as paper checks. All subsequent payments have been made electronically. 
In XXXX or XX/XX/XXXX, XXXX XXXX informed me that my loan was delinquent because I had missed the first two payments. This was a shock to me since SunTrust had mailed the payments directly to XXXX XXXX and debited my account accordingly. I contacted XXXX XXXX and, after conducting a thorough review, XXXX XXXX denies ever having received or processed either of the paper checks that SunTrust supposedly mailed to XXXX XXXX. XXXX XXXX has assessed late fees and penalties on my account and considers it to be severely delinquent. In XX/XX/XXXX, XXXX XXXX sent a notice of default and intent to accelerate the loan. 
Meanwhile, I contacted Suntrust and spoke to someone within their " fraud investigations '' unit. According to the fraud investigator with whom I spoke, both checks were cashed at XXXX XXXX Bank. I submitted an Affidavit of Fraud to SunTrust, but was told that I had the wrong affidavit form and that I would need XXXX to sign a Payee 's Affidavit instead. Unfortunately, XXXX XXXX refused to sign the affidavit provided to me by SunTrust because XXXX XXXX never received any check. This was in XX/XX/XXXX. 
Since that time, I have learned that XXXX XXXX is a defunct bank that closed its doors in XXXX. Moreover, I have viewed images of the cancelled checks that SunTrust allegedly mailed to XXXX XXXX, and neither one has any signatures, endorsements or codes/numbers on the back of them. Part of me wonders whether the checks ever even got mailed by SunTrust, or perhaps they were addressed incorrectly and sent back to SunTrust after the bank had already debited my account. 

I have spent many hours on the phone and writing emails top SunTrust only to get nowhere. Neither XXXX XXXX nor SunTrust have any interest in getting to the bottom ofg what happened with my two payments. I'm concerned how this situation is impacting my credit. I have repeatably asked  XXXX not to report negatively to the bureaus to no avail

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 2018-09-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Experian Information Solutions Inc.
State: VA
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 don`t recognize this account and inquiries, I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible.

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 2019-06-13
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
In regards to prior filed complaint XXXX, TD Bank of XXXX NY once again failed to keep their word to a costumer after failing to do their job initially. The original amount of {$5400.00} that was promised to be returned after they failed to ID an unknown costumer, was NOT fully reimbursed as they stated it would be. The amount that was refunded was {$5100.00} which is {$250.00} PLUS INTEREST short of the initial amount. This problem has occurred nearly 10 months ago and they have still not managed to clear this matter up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I consolidated my debt ( not bankruptcy but it was the closest choice ). At the time my bank was Santander. I had a checking account, a savings account, a {$5000.00} line of credit and a credit card. I did not owe anything on the line of credit, which is on my credit report back in XXXX, whatever I owed was paid. In XXXX of XXXX I consolidated all of my debt including the Santander credit card ( {$7200.00} ), this card was settled in my consolidated debt for {$1800.00} Ever since I this was settled XX/XX/XXXX they have given this debt to collection agencies trying to collect on this settled debt. Even in the same year it was settled for {$1800.00} XX/XX/XXXX. So on my credit report it shows this same debt as a in collection/charge off in XXXX & XXXX. These collection agencies keep calling me trying to collect this settled debt that has been taken care of, its accruing interest. It is effecting my credit and my ability to purchase a house, they have turned the interest in to the IRS and {$1000.00} has been taken from my refund for 2 years in a row because of this bank. I have arrachedthe letter closing my line of credit with a {$0.00} balance with the business card the lady at the bank attached to the letter just in case there were questions, I have attached exhibit A, Schedule of Creditors Debt, I have attached the debt settlement letter from XXXX and I have attached a collection letter, I periodically receive letters but every day Im getting phone calls continuously trying to collect a debt that has been settled. I am seriously upset and I need your help please.

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 2019-06-13
Company: EQUIFAX, INC.
State: NV
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:
Equifax information services keeps reporting a bankruptcy on my file in various was its been deleted multiple times then re added with new date new filing statuses and different case numbers which all has been documented since 2016-present

Company response to consumer: Closed with explanation