BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020, I attempted to transfer one thousand dollars ( {$1000.00} ) from XXXX XXXX  through XXXX, the money was never received into the account in which it was supposed to be deposited into, my joint account with Bank of America. I have used this service many times with smaller amounts and the transfer has always been successful. I have contacted every institution that has connection with this issue ( XXXX, XXXX, Bank of America and XXXX XXXX ). My visit to Bank of America, information disclosed that the money was sent to XXXX XXXX. We have never had an account with XXXX XXXX, so we tried to reach out to XXXX XXXX and I was redirected to the XXXX for service. I spoke with XXXX who said there is nothing she can do without an account. I explained to her the situation and she refused to help. I asked if I could speak to manager, she stated that the manager would tell me the same thing and refuse to allow me to speak to manger and this took place on XX/XX/XXXX early morning. I contacted XXXX and claim was filed three time and they denied each time. XXXX disclosed that XXXX XXXX was involved but could not and would not give me any information regarding the money being sent to XXXX XXXX. I asked if they could investigate the account that it was sent to and they refused to help. I spoke with one XXXX who is the claims supervisor who was very rude stating its not their problems and basically do what I need to do without there assistance. I cant believe they would have someone representing XXXX XXXX in that matter. All of the claim agents from XXXX XXXX  was insensitive to the {$1000.00} dollars in limbo through this murky banking triangle. I have been speaking to XXXX daily since XX/XX/XXXX regarding this matter and no one as of today has been able to help me. I would like to officially file a charge with the employees of this department and do whats necessary so that no one else will ever be subjected to this rude and insensitive behavior and lose money this way.

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 2019-04-13
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I refinanced my student loans through another company. Navient overpaid my the balance on some loans and underpaid others. When my monthly bill was due they took the normal autopay amount of {$1100.00} out of my account even though the outstanding balance on my loans was ~ {$300.00} ( and the net was even less ). They told me they would refund the balance within 72hrs. That was over a week ago and instead of satisfying the loans in full, each loan has a negative balance. Now Navient is sending me monthly billing reminders as if they are going to charge me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Eagle Home Mortgage, LLC
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:
Hi, As part of the purchase process with my new construction home - the builder XXXX require you to have a credit check with their lender, Eagle Home Mortgage in XX/XX/XXXX. 

The house is still under construction and is not scheduled to be complete until XX/XX/XXXX. I have not decided which lender I am expecting to use and was planning on shopping for rates at a date closer to closing. 

This morning at XXXX I received an email from XXXX XXXX a Loan officer at XXXX XXXX. 

" XXXX XXXX, Your credit report is expired and invalid. Credit reports are good for 120 days. This is notification that our Processing Department is updating your credit report for your XX/XX/XXXX closing with XXXX. 

XXXX XXXX Senior Loan Officer NMLS # XXXX '' I responded at XXXX as below. 

" XXXX please do not pull my credit report. 

I do not give you permission at this point. 

Thanks, XXXX XXXX '' I then received this response " Greetings, I called immediately to halt this action but the report had already been pulled by processing. Your credit scores are still very good and this will have no negative affect on your loan approval here or at any other lender. My apologies this was not run by you first. 

XXXX XXXX Senior Loan Officer NMLS # XXXX '' I did not give this Lender permission to pull my credit report and I am extremely upset with the assumption that they assumed they could pull this. 

This is the reason I am filing this complaint. 

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 2020-05-05
Company: AMERICAN EXPRESS COMPANY
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:
I reached out to American Express to cancel my and my husbands Platinum American Express cards. I paid an annual fee for my card in XX/XX/XXXX of {$550.00} and my husband was charged an annual fee of {$170.00} in XXXX. 

Typically, when you cancel a card the annual fee is prorated and American Express returns the left over to the cardholder. In this case, since I asked to cancel the card in XXXX and I paid my annual fee in XXXX, I would get all my fees returned and my husband a prorated amount. 

( Also, I am the main card holder on the card. ) However, I was told if I canceled my card that I would get {$0.00} of my husbands annual fee refunded even though his card should have been prorated for 9 or 10  months and that fee refunded to us, American Express said they wouldn't prorate my husbands Platinum American Express because of a new policy they implemented in XXXX or XXXX. I've been an American  Express Platinum card holder for over 25 years, and I've never heard of such a dishonest, ridiculous and unfair policy. 

Why should they keep annual fees for the months where services have not and will not rendered. 

So, according to two American Express representative, I would not be reimbursed for my husbands prorated annual fee. They said my only option to retain any value of my husbands annual fee would be to covert my card from Platinum to Green. The Green has a annual fee of $ 150- {$170.00} for both of us, combined. 

However, one more catch, since I would need to switch to a Green card to get credit for my husbands prorated Platinum American Express, that the conversion of my Platinum Card to the Green Card would now be prorated instead of getting full credit for my {$550.00} Annual Fee I paid in XXXX. 

Therefore, instead of canceling my Platinum America Express cards and getting my {$550.00} and my husband 's prorated {$170.00} annual fees returned, I had to convert to the Green American Express for a cost of approximately {$200.00} for both of us. 

{$200.00} for a credit card we do not want, but it was the only way not to lose my husbands prorated fee. 

In these Covid times, this is unconscionable that I would have to pay for fees/services not rendered and be funneled into taking a Green credit card we did not want, in order to preserve value of my annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: TD BANK US HOLDING COMPANY
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 have this account that is not mine and i want it to be removed. 

1. Identity Theft XXXX AND XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Fifth third bank paid a XXXX $ overdraft on my behalf and charged my account XXXX $ and an XXXX $ daily fee. I asked that they close my account in XX/XX/XXXX but they refused and kept charging me. 
Now i owe them XXXX $ and are threatening to report to credit berau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 disputed two accounts under the name XXXX XXXX XXXX with them directly on XX/XX/2018. I requested validation from this company to include the signed application, signed lease, break down of all charges, payments and communication logs. I finally received a letter back from XXXX XXXX XXXX that only included a typed bill for over {$7000.00}. These accounts/collections are false and erroneous reporting. I've never resided at this address and am actually XXXX XXXX military. I've already sent a letter to transunion and have heard nothing back. But it's still reporting negatively on my account. I do not think me asking for a lease to an apartment I'm being accused of oweing is absurd to ask for. I'm now asking CFPB, FTC and the XXXX to step in. 

I'm attaching a copy of the paperwork from the credit collection company to support my claims. 

I'm demanding this be deleted ASAP.

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 2021-02-05
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
On XXXX XXXX, 2020, PORTFOLIO RECOVERY A ( Original Creditor Name XXXX XXXX XXXX  XXXX XXXX XXXX ) add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOVERY A has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My home has been illegally foreclosed in Sheriff sale by Ocwen Loan Servicing LLC. Since the XXXX of my husband in XX/XX/XXXX, I have been trying to apply for a loan modification but no one in customer care at Ocwen would help me. Since his passing and because he was the bread winner, I have been in distress and had difficulties paying my mortgage payments. However, not enough to warrant a foreclosure on my home of over 20 years! 
In XX/XX/XXXX I sent Ocwen {$3000.00} of the {$4600.00} dollars that they stated that I was in arrears. They sent it back to me and would not work out a repayment plan. I was not informed and had no knowledge that the foreclosure process had started on my home. I found out this information from a third party by the name of XXXX XXXX XXXX   XXXX and XXXX XXXX XXXX, this is the company that I attempted to hire defrauded me out of {$2800.00} because Ocwen refuse to assist me with the reinstatement of my mortgage. Ocwen customer no service and negligence has cost me and my family financial harm and health problems because of this situation. When I call them it takes several hours to finally talk to someone and then find out thats the wrong person to speak with about your issue. It takes weeks and months for them to return phone calls! 
The Attorney XXXX XXXX XXXX hired by Ocwen never notified me of any foreclosure proceedings on my home and ultimately sold it in XX/XX/XXXX. This is not the first time that Ocwen has illegally foreclosed on our property, it happened in XX/XX/XXXX as well. How can a company that has had so many billions of dollars in lawsuits for the same things be allowed to continue to do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have been locked out of the experian system since XX/XX/2022 XXXXTherefore I cant have access to unfreeze my account and I cant apply for any credit because my account is freezeD .In order for me to unfreeze my account I need to be unlock first. I have try by all means to find live help to solve my problem and it is impossible to talk to someone .I have dialed several different numbers, send a fax, mail them a letter to their po box NO RESPONSE at all. The number they have for support is just a recording machine and has no option to Unlock .It is very frustrating and it is causing me so much trouble for situations where my credit needs to be pulled. PLEASE I NEED HELP ASAP, LOOKS LIKE I WILL NEVER BE ABLE TO FIX THIS PROBLEM. Experian has the worst customer service in the world

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 2018-04-25
Company: EQUIFAX, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Equifax INC is currently reporting an account on behalf of XXXX XXXX XXXX. The account is listed from XXXX XXXX and did not arise from a signed contract with myself and XXXX XXXX. The information listed on my Equifax credit file is inaccurate and incomplete. Attempts to resolve this matter with both companies have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: Experian Information Solutions Inc.
State: AZ
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:
THIS IS IN RELATIONSHIP TO COMPLAINT # XXXX THAT WAS FILED ON XXXX/XXXX/XXXX. THIS WAS FILE AGAINST XXXX DUE TO I DID NOT AUTHORIZATION THEM TO LOOK AT MY INFORMATION IN MY CREDIT PROFILE. i HAVE SENT SEVERAL LETTERS OUT TO THIS COMPANY ASKING THEM TO VERIFY BY SENDING ME THE ORIGINAL SIGNATURE THAT SHOW I SIGNED FOR THEM TO LOOK AT MY CREDIT PER THE FARE CREDIT REPORTING ACT. FINGER HUT HAS FAILED TO COMPLY WITH MY REQUEST. AND IS IN VOLATION OF THE ABOVE MENTION ACT. XXXX MUST REMOVE THIS OFF MY CREDIT PROFILE NOW. FOR FAILURE TO PROVIDE THIS INFORMATION UPON MY REQUEST.

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 2022-08-11
Company: Experian Information Solutions Inc.
State: IA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.

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 2019-04-13
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have a loan with one main financial XXXX XXXX XXXX. XXXX oh XXXX my monthly payment is XXXX due on the XXXX of each month. they tried to take my XX/XX/XXXX payment out early and put me in insuffient funds. my credit union XXXX XXXX charged me XXXX XXXX XXXX. when I called branch manager at one main XXXX XXXX she apologized and told me she would return my XXXX. I went ahead and made a payment on line for XXXX $ on XX/XX/XXXX and then they went into my account again and took out XXXX.they double dipped.i have had problems before and they assured me everything was fine.XXXX even told me they would not debit my account twice but they did. these people can not be trusted.i will never do business with them again

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-22
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This debt collector XXXX XXXX XXXX, XXXX keep harassing me by telephone every other day by having different people to call me about a XXXX bill that was not settled back in XX/XX/2012. I inform the creditor then that I was not responsible for them given an authorization regarding this account to another person, therefore I could not afford to pay the debt then or now. I am XXXX years old XXXX on a fixed income. I barely can pay my rent, buy my meds and food with what I have in income. I could not possibly give them over a thousand dollars not ever. But these different people from XXXX keep calling asking personal questions, refuse to stop calling me after I tell them not too! It is harassment ; disrespectful and it upsets me with my current medical condition. I have ask them to stop and have blocked their number, but somehow they keep calling and even have tried to send me mail. I will not respond to their threats and offers of solutions because I can not afford to pay for someone else 's mistake on this very old account with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-22
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
From XX/XX/XXXX to XX/XX/XXXX XXXX tagged my credit 49 times as late on payments. I was never informed that I was late or delinquent and it is crushing my credit score. I'm a victim of predatory practices from a notoriously predatory company. I am current with my loans and have paid thousands to XXXX and other private student loans, but the late payments still persist and it's hard to live my life. It's hard to get approved for car loans, credit cards, etc.. Always subject to high interest rates etc.. I just want this company, who's supposed to be the US department of Education, to remove these late payments. It is of no use to anyone to continue to bury as if I don't pay my bills.

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 2019-04-13
Company: AMERICAN HONDA FINANCE CORP
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: Information is missing that should be on the report

Complaint:
I just received a negative report on my credit report about my past leased vehicle stating I owed a tax amount on vehicle but there was no notification sent to me nor was I notified about these taxes. Now Inhave a derogatory mark in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My name is XXXX ; XXXX XXXX The Agent for principle XXXX XXXX, a federally protected consumer, holder in due course, attorney in fact. It has come to my attention your financial department of JPMorgan Chase & Co, can not disclose to a nonaffiliated third party any of my nonpublic personal information. In addition It has also come to my attention that your financial department does not have the ability to loan its own money or money of its account holders. Notice the existing credit card agreement which am in question of the credit that was allegedly loaned. Please provide evidence of the money that was loaned to me for family and household purposes. I would like to request a audit trail according to XXXX ( Generally Accepted Auditing Standards ) to show proof of this loan. Notice, repayment needs to be made only in equivalent kind. Notice, this be a matter of emergency. Notice, am demanding for the account to be reopened, with the original limit set to {$10000.00} and zeroed out each and every bill cycle upon lack of supportive documentary evidence. Notice, any financial institution that requires a consumers social security number to apply for a loan on any application, knowing theres no money to lend is a felony.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Experian Information Solutions 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:
This letter is a formal complaint that the bureaus are reporting inaccurate and incomplete credit information. These accounts do not belong to me. I am distressed that the bureaus have included the information in my credit profile and that they have failed to maintain reasonable procedures in their 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. The following information therefore needs to be investigated and to be removed immediately.

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