BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My Grandfather passed away in late XXXX, XXXX. His only credit card was one he got through XXXX, backed by Bank of America. 

On XX/XX/XXXX, I received a letter from BoA claiming {$540.00} was outstanding on his card and was owed to them. They filed a claim against my Grandfather 's estate for this money, and in their letter BoA stated I had the right to dispute the charges within 30 days of my receiving the letter, otherwise the claim would be considered valid by them. 

On XX/XX/XXXX, I mailed a letter back to BoA disputing the charges in their entirety. I did not hear anything back. 

On XX/XX/XXXX, I called BoA at the number they provided in their letter and spoke to a representative who promised to send the entire previous year 's worth of statements for my Grandfather 's card. They sent every statement except the statement from XX/XX/XXXX through XX/XX/XXXX, which was the statement in question. 

On XX/XX/XXXX, I called BoA again, was told the rep handling this issue was XXXX XXXX, and that the missing statement would be mailed immediately. The missing statement was received the following week, and none of the charges in question were valid as my Grandfather had been in the hospital with XXXX  XXXX XXXX XXXX during the time the charges were made on the card. 

On XX/XX/XXXX, I mailed BoA a letter and requested an update into their investigation of the disputed charges. I received no reply. 

On XX/XX/XXXX, I mailed BoA another letter again requesting an update on their investigation of the disputed charges. I asked them if they had even initiated any investigation into the charges. I received no reply. 

On XX/XX/XXXX, I mailed yet another letter to BoA, still requesting an update as to their investigation of the charges. BoA still has not responded in any capacity, nor have they withdrawn their claim against my Grandfather 's estate. 

I have recorded my phone calls with BoA phone support, and the phone reps confirm BoA received my dispute letter. 

If this claim is not withdrawn, per the probate court, my only recourse is to pursue legal action against BoA. This will be my final attempt at getting this matter resolved in a civil fashion, I have been more than patient throughout this process and have been repeatedly ignored.

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 2021-04-27
Company: Experian Information Solutions Inc.
State: KY
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:
XXXX XXXX XXXX XXXX XXXX  services the missed payments was not corrected on the 4 credit reporting agencies still shows XX/XX/2021 missed payments..please correct asap.. 

Documents enclosed by target red card services

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 2019-08-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I fell behind on my payments due to lack of employment. Advised the lender of such information and they still repossessed both of my vehicles. Now I am being told I am responsible for the balances after the vehicles were sold at auction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: National Enterprise Systems, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
National Enterprise Systems has repeatedly called me from a blocked number. I have answered and informed them they are violating federal law by calling from a blocked number and to call me from an unblocked number if they wish to speak with me. They have continued to call me from a number showing up as XXXX  on my phone. They have also called me repeatedly throughout the day to the point in which some may describe as excessive.

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 2020-05-18
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies reporting inaccurate information on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.

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 2023-02-03
Company: T.S. Holdings
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi, Today I received a letter from " I.Q. Data International , Inc. '' stating that I owed a Principal Balance to a previous apartment complex named " XXXX XXXX '' out of XXXX, CO in the amount of {$2700.00} + Interest of {$570.00}. 

I have confirmation that this debt was paid XX/XX/2021. I have provided proof and they want me to call back weekly - every Friday? 

This is false debt and has been paid and the amount showing on the account due from the apartment complex is fully paid with a {$0.00} balance from years ago. 


Thank You,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-22
Company: TRUIST FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I received a bank statement via mail from BB & T in XX/XX/2021- the statement showed a checking account and a money market account. After contacting the local branch, I was made aware that an account had been opened online using my name, home address, date of birth & social security number. The person used a different drivers license number & email address. The bank allowed the account to be opened online without verifying that the person who opened the account was who they said they were. When questioned, the bank stated they aren't capable of verifying a person against their drivers license number when they provide that information. I personally find this very disturbing as there is a statement that accompanies most financial transactions indicating that the government requires financial institutions to obtain and verify identification of individuals. 

After talking with the bank, I was also made aware that the account had been closed by their fraud department. I filed a police report and gave the officer the information I had received from the bank. The officer who completed the report did confirm the drivers license number was valid and they obtained an address for the individual. 

However, I was assured that the bank had closed the account. 

I have since received statements for XXXX, XXXX and XXXX. The last one indicated that a negative balance has now been charged off as a bad debt. I have also received a complete money market packet. 

During this time, we were working with a mortgage company regarding a refinance of our home and current mortgage. Unfortunately, this bogus account is being reported to XXXX and my refinance was cancelled by the lender. Since then, a bad debt / charge off of the account has been reported on MY credit and I didn't open this account. 

I have reached out to the bank via email to keep everything in writing however they only responded stating they would look into the situation. Since they responded, I have received the negative statement with charge off and the money market packet. 

This is completely unacceptable and I want this matter resolved immediately. It has cost me a lot and if the bank can't verify a person by matching their drivers license number to their name, maybe they should figure out a way to protect people or not allow accounts to be opened online.

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 2019-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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/2019 andXX/XX/2019 I disputed accounts on my credit report. I supplied account numbers, furnisher names, and the issues I had with each account. After TransUnion initial investigation, I sent them a second letter informing them I was in disagreement of their findings because the inaccurate accounts were still on my credit report. At that time I ask for reinvestigation and provide me with validation of the debt or deletion of the accounts. I never got validation of the debts from XXXX or deletion of the 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 2020-07-05
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I keep receiving phone calls from Home Depot credit card. Citi bank is the one who receives the payments. On XX/XX/20 l paid {$65.00} which the minimum was {$28.00} through my credit union bill payer checking account. I had until XX/XX/20 to pay this bill. I contacted the previous agent and he told me to send a copy of my payment to the dispute department which l did. It is a week now and l am still getting harassing phone calls. I have proof so what more can l do to resolve this annoyance?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-04
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hi, Wells Fargo bank is going to close my bank account before XX/XX/2018, however, they did not imply why they are closing, so I tried to contact them on the phone, but the representative did not know the reason why this action happened either, they just saying " I'm sorry sir, we don't know the reason, and you can not open another account in Wells Fargo in the future as well, Its Bank 's decision. " I do know that I have several large deposit from overseas and in the domestic as well, but I did present my report to the bank, which the banker helps me to do it in Wells Fargo branch. And the funds from overseas, they are all comes from reliable sources. In the conclusion, I just want to figure it out why the bank is going to close my account, and I am not going to be tight-lipped until this situation get correct.

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 2017-12-21
Company: ALLY FINANCIAL INC.
State: TX
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:
On XXXX XXXX, XXXX, I was approved for auto financing through XXXX XXXX XXXX. On XXXX XXXX, XXXX, a contract was signed between myself and XXXX XXXX in XXXX Texas and XXXX XXXX Bank was the financing company. 

On or about XXXX XXXX, XXXX, I was informed by XXXX XXXX Bank that XXXX XXXX of XXXX XXXX retracted the contract. When asked why, XXXX stated that my social security number was invalid and he therefore could not sell me the vehicle. 

However, after I requested that he put it in writing, several inquiries appeared on my credit report for auto financing. 
I never agreed nor authorized XXXX XXXX to apply for any credit. I was already approved through XXXX XXXX XXXX and the contract was signed on XXXX XXXX, XXXX. 

Please review attached

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 2019-08-11
Company: EQUIFAX, INC.
State: FL
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 never applied for this company, i don't recognize this inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-08
Company: CITIBANK, N.A.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am trying to pay off my debts as much as I can. During the recession I have lost my job did not have any funds to pay off the credit card. Now that I work, I support XXXX small children and my wife, who attends XXXX. She does not work. I want to repay the debt, but the debt collection agency added more amount on top of what I owed. They demand more than 13 thousand dollars when the original debt was less than 9 thousand. I contacted the agency to try to settle with them because I can not repay them the whole amount. They  refused and demanded the whole amount. All this years they have not send me any letters or anything indicating that they want to settle and place this matter behind us. I want to make a complaint against this company that they do not want to work with me to settle and that they demand more than what I originally owed.

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 2018-04-04
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Well Horrible experience, If I can give in -ve I will give it. 
They did not open my checking account in a proper way ( Either the  person who opened my account did not know how to open for non immigrant or XXXX XXXX is wrong ) and chase bank deduct {$72.00} as tax withholding from my account. 
I have provided all correct information on very first day with all proofs. Then once i got the withholding I called the customer service they said I need to fill form and contact the branch then everything ll be sought out. 
I called the branch and the the person said they will take care of it. They asked me to fill some another form and it failed again because they forgot to take signature once more. I went again to fill the form. 
After few days I again got a letter from Chase that I have a incomplete form, I called the branch and they said come again and we will fill it again. I was like why again and again it's not a rocket science. 
I called customer care gain and they said they have it and i do not need to send it again ( Branch was not even smart enough to do it ). 
Now by god 's grace in 2.5 month bank and branch is able to fill my correct forms but they are not going to refund my money which they keep for withholding. 
Branch is not even taking a responsibility for working on my refund and said they have called the bank and we have a case number, Now you can follow up with them. 
Really I have keep following up with you and branch for you mess up when you and your system can not do job right at first time. It's not my mistake then why I have to pay for someone else mess up. 
Customer service it saying that you can hire a tax representative for XX/XX/2018 tax refund and get your money back from federal government. So now I will spend around 200-300 to get my {$72.00} back This branch has no inexperienced people and bank is also not taking the responsibility. 
Do anyone know what can I do more and get my money back from bank and branch ... ... 
I am going to post this as many place I can and ask people what to do ... ..This is the only option I have now ....

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-23
Company: Risecredit, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Do to the covid 19 pandemic, i was furloughed from my job for a few months, that resulted in me being late on 1 payment. I made the payment up, after checking my credit report i found they were reporting me late, i made the payment before it was 30 day 's late. I wrote a letter to the ceo of the company Mr XXXX XXXX, i explained to him what happen and that i was trying to purchase a new home next year, and that this one late could hurt my credit score. He forwarded it to XXXX XXXX She works in the Executive department, she said she could not remove the late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, First, I received a letter dated XX/XX/XXXX from my student loan lender, Navient, stating that my Income-Driven Repayment Plan had been approved. Then, I received a letter dated XX/XX/XXXX stating that I had been granted an in-school deferment until XX/XX/XXXX. Then I received yet another letter dated XX/XX/XXXX stating that they had updated my payment schedule. One payment of {$0.00} is due on XX/XX/XXXX. Then, 131 payments of {$300.00} beginning XX/XX/XXXX. This directly violates the terms of the IDR or deferment agreement and contradicts the IDR payment plan that I was on ( {$0.00} a month because I don't have taxable income ) or my deferment plan which is not due until XX/XX/XXXX. I don't know which plan I am on now, and they have refused to clarify this information when I have called them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I will like to report the unethical practices of PNC Bank and how they deliberately re-arranged and backdated my transactions in order to charge fees to my account. My account was charged and debited multiple times and I called my branch and Customer Service over 7 times to complain. They escalated to the Executive Escalation Department and I even wrote twice to Ms. XXXX XXXX and left 5 messages. She eventually spoke with me and was totally unhelpful, claiming that the bank was right in charging me. Her attitude was that there was nothing I could do since it's just me against a big company! She arrogantly told me to go ahead and escalate to the authorities. 
I had funds in my account as at XXXX XXXX, XXXX and I did 3 transactions with a positive balance of {$3.00} at the end of the day. On XX/XX/XXXX, 2 payments hit my account and before I could deposit more funds into it, PNC charged me overdraft fees 5 times for the 3 transactions I did the day before plus the 2 new ones! That is $ XXXX {$180.00}. This is so very fraudulent and unethical! I had a positive balance as at end of day on XX/XX/XXXX. 
I have attached relevant receipts and account activity reports. 

Also, on XX/XX/XXXX at XXXX, I got an alert from PNC Bank that my account was overdrawn by {$54.00} due to a payment. I deposited {$200.00} CASH through a PNC ATM at XXXX on the same day. PNC deliberately kept my cash deposit pending from XX/XX/XXXX to XX/XX/XXXX and proceeded to charge me {$36.00} as overdraft fees! I called Customer Service again and they said they couldn't do anything about it! 
It is so totally unfair for the bank to defraud its customers this way. There was no reason to pend my cash deposit for TWO DAYS, especially since I used a PNC ATM. Even their overdraft alert notice states clearly that you can make a cash deposit through their ATM to avoid any fees. 
PNC Bank can program their system to debit customers in a chronological order. Transactions should be posted as they occur instead of re-arranging transactions to ensure that customers accounts can be charged unnecessarily for overdraft fees. PNC sends account balance transaction alerts after every transaction, so how come they send one balance to customers and claim that there is a different balance in their system? This is just an excuse for their malpractices. The same system can not be showing multiple balances unless it is deliberately rigged to ensure that unsuspecting customers are charged fees fraudulently! 
I am requesting that my complaint should be investigated and the bank should REFUND all the fraudulent fees they charged to my account. The bank officials feel that they are too big to be reported or to get consequences for their unethical behavior. Please intervene. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Experian Information Solutions 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:
Back in XX/XX/XXXX I sent a dispute letter to XXXX and Experian asking them to verify how they determined that my bankruptcy was verified. They have failed to do that they replied with a letter stating that the bk was previously verified and they will not re investigate the dispute. My name could have been used from anyone with the same name as me. If you XXXX my name it pops up all over the web. I have no contract with the courts or anyone else showing that i have filed a bk.

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