BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022, an amount of {$3000.00} was deducted from XXXX XXXX XXXXXXXX XXXX XXXX and ACH through Chase Bank. I have filed a compalint to our bank XXXX XXXXk and also file XXXX Police and the Report Number : XXXX. 

XXXXXXXX XXXX has requested Chase Bank to return the funds since this is a fraudulent and unauthorized activity Chase refused to return the funds. 

Chase stated since this was CCD ACH, our bank needs to report within 24 hours of the fraud, and as a consumer or even some bankers would have no clue about different forms of ACH. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
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:
Date Reported : XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX XXXX Balance Date XXXX  XXXX, XXXX Original Creditor Name XXXX XXXX XXXX XXXX  Account Designator Code INDIVIDUAL_ACCOUNT Date Assigned XX/XX/XXXX Account Number xxxxxx XXXX Original Amount Owed {$77.00} Creditor Classification Medical or Health Care Amount {$77.00} Last Payment Date Status Date XXXX XXXX, XXXX Date of First Delinquency XX/XX/XXXX Status UNPAID Comments Medical Contact XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX # XXXX XXXX, OH XXXX 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 2021-05-11
Company: PNC Bank N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
From XX/XX/XXXX to XXXX XXXX I online dated this person mentioned below. His name was XXXX XXXX  XXXX or XXXX XXXX. : His most recent mobile number that I sent numerous texting messages to was as follows : XXXX XXXX XXXX XXXX. 
XXXX XXXX  XXXX - Outdated Mobile ( XXXX ) XXXX XXXX XXXX  XXXX -another old disconnected mobile number ( XXXX ) XXXX XX/XX/XXXX, XXXX I remained in the relationship with XXXX XXXX and was scammed by him ; XXXX XXXX XXXX never met him either, but he said he was XXXX XXXX XXXX PERSONAL stockbroker ), was the person that got my information and when he sent the checks that he ordered checks ( 2 times ) ( fraudulent conveyance ) on an account he created with my name on it ( so he says ) at the PNC Bank XXXX I never received any of this money, nor cashed any of the checks, although I tried the online bank declined me for Deposit that would have covered my tuition, books, incidentals of {$19000.00}. but the PNC Checking account # was XXXX for one account ; XXXX XXXX - Mobile # XXXX XXXX XXXX XXXX and it was PNC # XXXX XXXX Routing # XXXX XXXX, for the other account. 
XX/XX/XXXX - I received an invoice from XXXX, in the amount of {$28.00}. 
We were dating, so I asked him to pay my tuition for XXXX XXXX, which I have been attending since XXXX, but switched the school I was originally attending because I could not afford to pay such steep fees. 
I attended XXXX from XXXX to XXXX and was paying to finance it. 
I am now attending XXXX since XXXX - Present. 
Therefore, I asked the aforementioned boyfriend whom I never met to fund my tuition, so he said OK, that he would be willing to it. Therefore that's what I believed he was doing the PNC money for my tuition. But now I believe he was not real all those months and days, ane year that has passed, I now believe that he was a fictitious and fake person, that made up his identity. He set up an account and had checks mailed to me, of which I shredded, afraid to use them because I was being scammed, and had been issued fake checks to go to prison.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
XXXX XXXX experian and XXXX the have the police report they are in violation of cra

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 2017-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
XX/XX/XXXX paid {$2800.00} for airline tickets XX/XX/XXXX paid {$7100.00} charged double for the exact same airline tickets. 

I notified the credit card company XXXX XXXX they denied my claim.

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 2022-10-03
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
A caller claiming to be from navient told me a missed payment was overdue. I know that my name has been removed from all navient loans. I also know the borrower keeps up on the loan payments. Therefore this was a scam call. I hung up. The offending phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: Experian Information Solutions Inc.
State: NJ
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:
Hello. I have a second mortgage on my home that was serviced by XXXX. It was transferred to XXXX XXXX XXXX sometime in XXXX 2017. On two of three credit bureaus it is reported as paid. On Experian, XXXX is claiming that we are 30 days past due. I have called XXXX and they claim to have fixed the issue. I applied for a new mortgage and XXXX is still claiming we are 30 days past due on a mortgage they no longer service. This is causing considerable financial distress to my family. We need help.

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 2017-10-31
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX Citibank assessed an annual fee of {$450.00} on my AAdvantage credit card. On XX/XX/XXXX Citibank unilaterally closed all of my accounts. When I called to have the annual fee reversed, I was told to wait 1-2 billing cycles. I did and the fee still has not been reversed despite numerous requests through Customer Service.

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 2021-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND A REPOSESSION THAT HAS AN AMOUNT OWING THAT IS WRONG AND ACCOUNTS THAT ARE NOT MINE AND NAMES AND ADDRESSES THAT ARE WRONG. A LETTER OF EXPLANATION IS ENCLOSED.

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 2018-09-30
Company: BOK FINANCIAL CORP
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On the XXXX of XX/XX/2018 I visited my banks atm to deposit my paycheck and withdraw cash as well. After depositing my check, I made another transaction to withdraw XXXX $ from my checking account. The ATM made the sound as if it were dispensing my cash and did not open the slot where it comes out. And error message popped up on the screen and did not give me a receipt. Using my banks mobile banking app, a transaction for XXXX $ was showing on my account and was in fact credited from my account even though the atm failed to dispense my money. Giving that it was a Saturday night and the bank was not opened till Monday I waited to dispute the error made the following business day. I went in on the XXXX of XXXX and made a complaint. The Bank then credited my account for the XXXX $ dollars. I was never informed that there would be a investigation following the incident and now I have received a letter from my bank saying they could not identify an error in the transaction and would be taking back the XXXX $ refunded to me. This is theft of my money and am unsure what to do now. My banks ATM has a camera and I want them to check the camera to see that they in fact did not give me my money. I am very frustrated that a bank that I have been with for years would not look better in to this situation for me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am not having an issue with the actual company ( PayPal ) that the the monetary exchange happened on except for not being able to cancel the transaction. My problem is with the person who turned out to be a fraud or a scam on XXXX. 

On XX/XX/2019, a person messaged me on XXXX about having a certain concert ticket I was searching for. She sent me a screen shot of the ticket I was looking for and it all looked very legitimate. I even asked a friend and she agreed. She wanted me to send her the money through PayPal friends and family. It wasn't a large amount of money so I preceded to send the money. She said she went to verify that the money was there after I sent a screen shot of sending her the money. She was then supposed to email me the tickets. I messaged her twice and then fell asleep ( this was at bedtime ) and this morning I check and the account of the person no longer exists and I can not message her back, the messages are all grayed out and you can't see her profile or find her in a search ( at least under my name ). XXXX XXXX shows this message, " This message is no longer available because it was identified as abusive or marked as spam, '' as the last message I received from this so-called account. As I said I sent the money ( {$40.00} ) on PayPal and was charged a {$2.00} fee for being in another country ( said she was vacationing there and that's why she couldn't go to the concert and was selling her ticket ). I also sent as Friends and Family even though I know that wasn't the best idea but of course if the seller can avoid a fee they are going to try. should have known something was up then but although somewhat sketchy it was not a large amount of money I was paying so it also seemed somewhat legitimate. The money says its supposed to arrive on XX/XX/2019 but I still am unable to cancel the transaction on my PayPal. I realize this money probably won't be retrieved but after looking further into this afterwards, there seems to be lots of SPAM accounts and what concerns me is that this could possibly lead to identity theft or draining my accounts. The XXXX name/profile she used was XXXX  XXXX XXXX or XXXX XXXX XXXX. It shows one way in XXXX XXXX  but seems like it was the other way when I looked at her profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Lexus Financial Services did not provide me with a Bill of Sale at the time they processed full payment for my end-of-lease buyout. They also did not collect state sales tax on the transaction and advised me that it could be paid at the time of registration. The Connecticut DMV refused to register my car without a bill of sale AND does not accept sales tax payment from individuals at the time of registration, as Lexus advised they did.

Without the ability to pay the sales tax directly, and with Lexus refusing to accept a sales tax payment from me, I am unable to register my vehicle. Lexus is uncooperative, unapologetic, and unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: JPMORGAN CHASE & CO.
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:
I noticed unauthorized inquiries on my report. 

JPMCB Auto Finance XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX, truist online was down. It showed my balance in the positive, and the next day my account was in the negative, hit with an overdraft fee. 

Truist acknowledged their site was out on the XXXX, and getting in contact with someone takes over an hour and is impossible. 

Now, I'm trying to get in contact with truist because I over paid my Truist credit card by over XXXX $ because you can not see pending payments on their website for the credit card ( you can see everything else, including transactions and posted payments, you manage your card un the same portal/lock it report it stolen etc. You should be able to pending payments. I can not get in COntact with them to cancel it. 

Anyways, this is my second emergency, and I haven't been able to contact truist in over three weeks because it's always a 50 minute wait time.

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 2022-10-03
Company: Certegy Holdings, LLC
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
Certegy has my information flagged, denying me to cash a check or open checking account anywhere. XXXX, XXXX, XXXX, I went to XXXX, XXXX 's to cash a check. Both locations denied cashing check due to certify. I was given a ref #, XXXX, toll free number to contact Certegy XXXX. This is an automated system, that does not allow a consumer to ask questions, seak with a human being. Therefore, the pre arranged questions were unrelated, however, I still tried other options on hopes of speaking with a human, but there's no other option. I want a copy of my consumer file with Certegy emailed to me immediately. There is inaccurate information reporting in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I learned that there was a new collection account on all three of my credit reports from Convergent Outsourcing with an open date of XX/XX/XXXX, amount of {$910.00}. The original creditor was XXXX XXXX. This can not be mine as XXXX XXXX does not service my local area in Illinois. I have never received any type of communication from either XXXX XXXX nor Convergent before this was added to my credit report, which violates Federal Laws, and still have not received any communication from them to this date. 

Also, I have had other collection agencies try to collect a very similar debt in the past which has always been deleted from my credit reports. If this is the same debt, Convergent has violated the Fair Debt Collection ( FDCPA ) and FRCA laws as this is Debt Parking. 

Because of this, I was unable to obtain a mortgage in XXXX of XXXX, that I put an offer on. I am very upset about this.

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 2017-10-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A medical debt collection company ( XXXX XXXX XXXX out of Indiana ) sent me a letter in XXXX indicating that they had requested for the 2 delinquent accounts to be removed from all 3 credit bureaus. Everyone removed them except Equifax. I disputed the account with Equifax ( for a third time ) after receiving the letter from XXXX XXXX XXXX and attached the letter to the dispute in late XXXX. Equifax still did not remove the two items. Additionally, I filed a complaint with the Better Business Bureau against XXXX XXXX XXXX because the accounts were not being removed. XXXX XXXX XXXX indicated during the BBB investigation that they sent 2 additional requests for deletion to Equifax and that there was nothing more they could do -- that it was a problem that I would have to take up with Equifax. Equifax has yet to remove these two entries and they are still being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11
Company: Law Offices of Robert J. Colclough, III
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: Information belongs to someone else

Complaint:
After viewing my report I have seen accounts that I have never applied.

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 2017-10-31
Company: Ditech Financial LLC
State: NJ
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:
Hello. I have a second mortgage on my home that was serviced by Ditech. It was transferred to XXXX XXXX XXXX sometime in XXXX 2017. On two of three credit bureaus it is reported as paid. On Experian, Ditech is claiming that we are 30 days past due. I have called Ditech and they claim to have fixed the issue. I applied for a new mortgage and Ditech is still claiming we are 30 days past due on a mortgage they no longer service. This is causing considerable financial distress to my family. We need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My student loan, a XXXX loan, was first serviced by XXXX XXXX XXXX, which no longer has the loan, as the contract with the US Dept of Education was cancelled. I have never been late nor missed a payment. 

My credit files show that the loan was 120 day late in XX/XX/XXXX of 2012 as  reported incorrectly by US Dept of Ed - XXXX, which was the loan servicer that no longer exists. 

This makes no sense because it is showing as current the month before and after.

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 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX, I called XXXX each time it's been someone from a call center stating that someone will call me back. Never received a call back. Bankruptcy does not belong to me and variations of my name and addresses I have never resided. XXXX and XXXX have removed the public record that was inaccurate. XXXX still has not deleted the addresses from my credit report, I'm requesting help.

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 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights as a consumer under the following Consumer laws 15 U.S. Code 1602 ( J ) Truth in Lending Act my rights has been violated. Deuteronomy 15 The Year for Cancelling Debt account has exceeded the 6 year mark and should be removed from my consumer report, Also 15 U.S. Code 1681 ( B ) Permissible Purpose has been violated. 15 U.S. Code 1692a ( 1-4 ). Inaccurate information across the 3 bureaus are inconsistent and inaccurate which has been detrimental to my character, health and mental state.

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