BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-21
Company: PNC Bank N.A.
State: IL
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 PNC allowed my business checking account to be charged by XXXX even though I did not have any funds in my account. They charged and overdraft fee and then days after charged additional over and over until my balance bacsme - {$220.00} overdrafted. I spoke with someone about getting the overdraft fees waived and their customer service reps tells me that they can not waive the fees. Now my account is closed as of today. I really need my account to be reopen if possible but I am not paying {$220.00} worth of overdraft fees which I feel is not fair at all. PNC please work with me to slice this issue and restore my account again. I also have a negative balance on my personal account as well and need to get those fees waived so I do not lose my account. My direct deposit will be coming to my personal account on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
I filed a dispute online with Transunion regarding an account that is inaccurate and damaging my credit. The agency took longer than 30 days to respond and did not complete anything at all but send me a copy of my credit report.

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 2022-01-18
Company: EQUIFAX, 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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
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: Account status incorrect

Complaint:
made payments in XXXX XXXX which brought account to current. However, it 's showing account was closed on XXXX XXXX. Repossession/Closed.

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 2022-01-18
Company: SYNCHRONY FINANCIAL
State: MT
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:
In response to my initial complaint filed with the CFPB, I was contacted by XXXX XXXX, Senior Specialist, Corporate Consumer Relations, Synchrony Bank. She left a garbled voicemail that I could barely understand and an email from a suspicious looking email address. 

I have left a return voice mail and two email responses in return- within a few hours of her reaching out to me- it's been almost a week, and she's made no attempt to get back to me. 

The email address she used looks highly suspicious : " XXXX '' and her voicemail sounds garbled- not professional at all. 

To recap : Synchrony Bank applied almost {$1500.00} in fraudulent charges to my account using a " card security '' scheme in cahoots with XXXX XXXX. I am due to reconcile my account on XX/XX/XXXX, but can't seem to get anyone from either company to give me the time of day. 

This issue needs to be resolved by XX/XX/XXXX or they will penalize me- how is any of this legal? They appear to be deliberately delaying the process so that I am penalized. I've lost sleep and time away from work in order to deal with this nightmare they've created. 

Everything about Synchrony bank is suspect - these people are outright criminals and they are intentionally stealing people 's money.

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 2017-07-28
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: MO
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 have went through the BBB to get through this issue with universal acceptance. This battle has gone on for years I have asked over a dozen times that this company validate this debt in return they refuse to do so by asking me to provide them with information to validate the debt. I am aware of the laws that protect me and those that protect companies. The refusal to validate this debt is very bothersome. I am hoping to get this issue resolved in a timely manner for it has held me back many years thus far!

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 2022-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
Last year I purchased a music festival ticket to the Rolling Loud festival in California. The festival was XXXX XXXX XXXX XXXX. I purchased this ticket on XX/XX/XXXX from XXXX XXXX Tickets. I chose the layaway option that had monthly payments. The payments are as follows : XX/XX/XXXX - {$9.00}, XXXX XXXX {$69.00}, XXXX XXXX {$69.00}, XXXX XXXX {$69.00}, XXXX XXXX {$69.00}, XXXX XXXX {$75.00}. On XX/XX/XXXX at XXXX I received an email from the rolling loud ticket vendor ( front gate ) stating that we were able to requests refunds after the traumatic events that took place at the XXXX XXXX XXXX. I took advantage of this opportunity because I was afraid to attend the show. I logged in and requested the refund. A few days go by and I didnt receive any emails from the ticket vendor so I asked my friend ( who I was going to the show with ) if she received any emails and she stated that she did receive one and that her refund was on the way. I naturally checked my email to see if maybe I missed it, and I didnt see anything. I emailed the merchant and they said it was past the refund timeline so they could not help me. So I then called my credit card company ( capital one ) to help me. After a month of disputes and constant follow ups and document gathering we have not reached a resolution. Capital one told me that they can not insure every purchase and since the merchant denied my request there is nothing they can do. I honestly believe this is an IT error, which is not my fault. I logged into my account and requested my refund Im not sure why I was not honored the refund. I have my hands tied, I have provided everything I can to capital one and they are not helping me. Your credit card company is supposed to defend the customer, and Capital One is not doing that. I am out $ XXXX because I was afraid for my safety to go to a music festival that I was offered a refund too. I hope this can help me get my money back and also give capital one a negative remark for not siding with their customer when health and safety is at stake. I have been a Capital One customer for years and I am disgusted at this. I will be closing my account after this is hopefully resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This debt does not belong to me but was put on my credit. It is also a re-aged debt. Its not mine and on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Navient Solutions, LLC.
State: IL
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:
For nearly the last year I have continued to be charged " unpaid fees '' for two federal loans on my account that are being handled by Navient. I've called numerous times to find out what these fees are for when I have paid the loans on time and even overpaid on the loans. On XX/XX/XXXX I made a payment for {$37.00}, the unpaid fee total and decided to look into 1. How long I'd been paying such fees and 2. Why my payments though directed, were not being allocated to these said fees. On XX/XX/XXXX after my payment on XX/XX/XXXX was processed, the fees were once more charged ; so I called. 

The representative that I spoke to at that time could not answer as to what the fees were for and why the loan payments, though directed, were not being applied to these fees. First, she said that they were applied to the back of the loan, but couldn't answer as to what the fees were specifically. Then, she said that they were late fees. When I asked why I was charged late fees on loans paid on time she could not answer and reverted to saying that they were fees applied to the back of the loan. Out of frustration I hung up. 

On XX/XX/XXXX I made a payment, again for these unpaid fees of {$37.00}. Then on XX/XX/XXXX I made another payment for these unpaid fees of {$37.00}. Totaling {$75.00}. I logged in on XX/XX/XXXX and there is another fee of {$37.00}, so I called Navient. I again was told that they were late fees on the account. I have made on time payments for these loans for more than a year, therefore, shouldn't have been charged late fees and no one at Navient can seem to explain to me why I keep being charged them and/or why every time I have paid them they are still showing on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
My checking and savings accounts were hacked on XX/XX/2019. All of my money is gone. {$730000.00}. I notified my bank and I am meeting with them today.

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 2019-09-21
Company: Kriya Capital, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2019, I checked XXXX XXXX and my score dropped 70 pts. I clicked the option to see whats changed on my account and it stated something about direct tv. I dont recall having any interactions with XXXX XXXX. Might have been a family member, I dont know.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The accounts on my report that are listed are not my accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian is reporting a late payment for XX/XX/2020 yet XXXX  is reporting paid on time. therefore Experian is reporting inaccurate information. which is clearly an FCRA violation.

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 2021-07-18
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: Sequium Asset Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies :

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 2018-01-06
Company: AES/PHEAA
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:
Hi, I 'm the co-signer for my brother 's student loan. We received the loan from XXXX, who ultimately handed processing over to American Education Services ( AES ). While XXXX was handling the loan we had no issues. They were very quick to reach out to me by phone whenever a payment was past its due date, and genuinely seemed concerned with us keeping our account in good standing. Once the loan was handed over to AES, however, the experience changed entirely. In short, its quite clear that AES ' main goal is to make it as difficult as possible for borrowers to make payments on time. For example, they stopped XXXX 's practice of calling to alert me of past due balances. Second, they make it extremely difficult to set up auto-pay by a. Requiring the borrower to APPLY for direct debit ( how this makes a shred of sense is absolutely beyond me ) and b. keeping the entire application and signup process entirely through the paper mail. This would have been understandable in the mid 1990s, but there is absolutely zero excuse for doing either of these things as a matter of business practice. It 's simply a thinly-veiled attempt to trip borrowers up, reduce the chances of payments being made on time and therefore increase the chances of collecting higher fees. It 's despicable and it needs to be addressed. Thank you for your consideration of this issue with AES, and I sincerely hope the CFPB is able to force these servicers to conduct business with basic standards of integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Experian Information Solutions Inc.
State: MD
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 receiving phone calls, mail and email indicating that there were accounts opened in my name that held balances I ordered credit bureau reports in response. I have also been banking with XXXX XXXX XXXX XXXX  for more than five years with a good banking relationship and initiated a new savings account and was declined. The Bank Manager and I were alarmed so I also ordered a checking account report from XXXX and other reporting systems. I discovered that multiple accounts were opened and were in operation for some time. I have spent the last 18 months taking XXXX treatments and have had three surgeries and I do not use credit. My home was previously burglarized at my former address at XXXX XXXX XXXX XXXX XXXX MD XXXX and I suspect one of my tenants was responsible. I also suspect suspect that Mr. XXXX XXXX XXXX who lived in the basement of my current home at XXXX XXXX XXXX may be responsible as well. The following accounts were fraudulently opened : 1. XXXX XXXX XXXX  - XXXX 2. XXXX XXXX XXXX  - Uknown 3. XXXX XXXX XXXX ( partial ) 4. XXXX XXXX XXXX XXXX XXXX partial ) 5. XXXX  XXXX XXXX - XXXX 6. XXXX  XXXX XXXX - XXXX 7. XXXX  XXXX XXXX - XXXX 8. XXXX  XXXX XXXX XXXX 9. XXXX XXXX XXXX - Unknown 10. XXXX  XXXX XXXX XXXX Account XXXX ( partial ) 11. XXXX XXXX Chekcing Account XXXX ( partial ) The following are attempts to open bank accounts in my name : Fraudulent Banking Activity : The following were attempts to open accounts in Mr. XXXX name currently showing as inquries : 1. XXXX XXXX XX/XX/XXXX ; 2. XXXX XXXX XX/XX/XXXX ; 3. XXXX XXXX XXXX XX/XX/XXXX ; 4. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 5. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 6. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 7. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 8. XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX ; 9. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 10. XXXX XXXX XXXX XXXX   XXXX  XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX ; 11. XXXX XXXX XXXX  XX/XX/XXXX ; 12. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 13. XXXX , XXXX XXXX XX/XX/XXXX ; 14. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 15. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 16. XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX   XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX  XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX/XXXX  XX/XX/XXXX ; XXXX XXXX/XXXX  XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XX/XX/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 2020-02-12
Company: Experian Information Solutions Inc.
State: CA
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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies :

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 2017-07-28
Company: TCF NATIONAL BANK
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I would like my bank to commicated with XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: EQUIFAX, INC.
State: MD
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:
On several occasions, I have tried to dispute records on my Equifax credit report. However, the link provided by Equifax never works and is intended to discourage consumers from filing disputes so has to reduce the company 's investigation cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Regions is reordering debits to account for profit, Last Friday I had 5 transactions, got breakfast at XXXX, got gas and soda, drove to a job, and had lunch ... .at that point I had XXXX in my account, in which I withdrew XXXX. Should have been XXXX plus the overdraft fee!. Except Regions took the XXXX XXXX out first and then overdraft everything from that day. The other issue I have is they do not reflex the actual transaction date, cuz they pend stuff to profit on overdrafts and apparently now it is a new policy to XXXX people over ... .well I had a statement from them showing, that apparently they have a new policy that does change the order but they have removed all my message from the online banking webpage and I am no longer able to send them one .... 
So basically they charged my XXXX XXXX first and all the others after, causing me to aquire XXXX XXXX overdraft fees when it should have only been 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