BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Bank of America has continually allowed me to overdraft my checking account without any consideration to the fact that there may be a problem on my end that's causing me to consistently overdraft my account and charge NFS fees. Over the past several years I have been changed from what I can see so far 56 NFS fees for over-drafting my account. Now that is just from what I've been able to research and go back on my account, I have copies should you like to see them, in any event, it's excessive and Bank of America should've realized that this was an ongoing problem and restricted my account, and not allowing me to overdraft. But Bank of America continued to take advantage of the fact that I was weak and had a gambling problem and therefore kept driving my account into the negative and therefore continue charging me NFS fees. 

Now if this was just a few NFS fees here and there I can understand Bank of America charging me the {$35.00} for the NFS fees but from what I've counted so far it's close to 100 NFS fees in just the last two years if not more. It is the bank 's responsibility to recognize one account is being abused in place restrictions on that count to keep that customer from continually over drafting accounts for purposes that are not considered an emergency were finances are needed. 

I have called Bank of America multiple timeXXXX asking them to reverse the NFS fees but they continue to tell me that at this time there's nothing that they can do about reversing the fees.

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 2021-08-17
Company: EQUIFAX, INC.
State: TN
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX Spoke to XXXX XXXX . I submitted the dispute and request to validate debt of {$100.00} for medical bill ( son- XXXX XXXX ). Collection letter dated XX/XX/XXXX. 

XXXX XXXX I received a letter dated XX/XX/XXXX from Collection Co . I received a copy of an invoice for the bill. Although the Medical office biller confirmed there is no balance owed. Although letter is dated XX/XX/XXXX, received the letter in the mail on XX/XX/XXXX. 

XXXX XXXX Spoke to XXXX XXXX XXXX Advised them I didn't receive the letter until XX/XX/XXXX, which was more than 30 days of my dispute. She advised that the collection account was already reported to the bureaus. Then my call was answered by XXXX (? ). He would not confirm any details of the account or about what was being reported to the credit agencies. In a threatening tone would not assist to resolve ; demanded payment, then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan is serviced by mr. COOPER. I feel I have been overcharged from the mortgage escrow statements. There is a XXXX XXXX dollar balance that makes no sense. When I have called, the representative is too inept and unable to pull up the escrow statement. I have been repeatedly transferred and left on hold indefinitely. A customer service representative, XXXX XXXX emailed the escrow department supervisor, XXXX XXXX to contact me on XX/XX/2019. My escrow analysis has raised my monthly amount but there is a surplus and I can not get anyone to help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
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: Information belongs to someone else

Complaint:
I reached out to you back last year in XXXX regarding some items on my credit. There are still items on my credit. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX, XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2020-10-12
Company: Experian Information Solutions Inc.
State: DC
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:
Since XX/XX/XXXX I have tried on numerous occasion to have this information removed from my credit report , XXXX XXXX office has reach out to XXXX XXXX to have the item removed on several occassions. I have an email that was sent to XXXX XXXX   requesting that the information be removed and I have a statement from the XXXX XXXX office to attest to the account is XXXX and a email that was sent on XX/XX/XXXX XXXX XXXX. I called XXXX XXXX to request XXXX XXXX n one there knows who he or she is which I don't believe. When asked if they could call the the doctors office I am told no they don do that.

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 2021-08-17
Company: Mercedes Benz Financial Services
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have sent the rescission letter to Mercedes Benz of XXXX and Mercedes Benz Financial Services legal department. I cc the Connecticut Attorney general, Connecticut State Comptroller, Federal trade Commissioner, and OCC. My notarized rescission letter is attach to this complaint. 

YOU ARE NOW ON NOTICE. YOU HAVE 10 CALENDAR DAYS TO RESPOND WITH MY DEMANDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
Experian is reporting a duplicate trade line items on a collection in the amount of {$450.00} partial account number XXXX, for an account that was opened in 2014. ( Please see pages 11 and 12 of the attached credit report. ) This incorrect reporting is harming my credit score and this item needs to be deleted. I have contacted the bureau to resolve this, however I was  unsuccessful.

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 2020-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
In early XX/XX/XXXX I closed this account. At the time of closing the account I had a credit balance of XXXX. After 3 follow up calls regarding getting a refund for the credit Capital one sends two checks both for XXXX in the last week of XX/XX/XXXX. I call Capital one and provide the information on both checks ( ABA, account, and check number ) and the representative tells me which check to cash. I cash only that check believing the issue was resolved. For safety sake I kept the second check they asked me not to cash. 

Today XX/XX/XXXX I receive a call from Capital one stating the same account is past due with a balance of XXXX + interest in late fees. When explaining to the caller what happened the employee claims he's going to transfer me to a specialist. The next thing i hear is the IVR asking for my card number! I requested a call back which took 90 minutes and the employee escalates me to XXXX who says she is a manager. XXXX listens to the situation and puts me on hold. When she returns she advised me to cash the 2nd check I was previously told not to cash in XXXX and they will 'forgive ' the late fees and interest as if I actually earned them! When I told her that wasn't acceptable I was told there wasn't anything else she or Capital One was willing to do for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-08
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I check my account before and after every purchase using their mobile banking app, to ensure i do not incur any NSF or overdraft fee. I do this because i live on a budget and try not to incur extra fees. But i keep getting hit with fees. and when i check my account to see what the fee was assessed for, my account reflects debits to my account that does not show up until the fee is assessed. 

On XX/XX/XXXX, I checked my account. The app showed me an available balance of about {$91.00}. On XX/XX/XXXX, my available balance is about {$36.00}. A difference of about {$52.00}. I don't see any new transactions. Its a joint account so i wait a day for the charges to show up on the app.. Meanwhile I send for and XXXX deducting a total of {$24.00} for the available balance of {$36.00} leaving mt roughly about {$12.00}. On XX/XX/XXXX more debits show up, not equaling the total difference but my available balance stated {$9.00}. I use my card and spend $ ( which should leave me a balance of XXXX cents. On XX/XX/XXXX, I check my account at # XXXX XXXX, I review my transactions, checking to see the amount of my payroll despots so that i may pay my tithes at church. I pay my tithes of {$75.00} dollars at about XXXX XXXX. Later that morning my husband make a few purchases, i check his purchased against the account like i always do. The amount of his receipts match the amount of the debit on my account for his purchases. I check my account again at about XXXX XXXX because i have a debit scheduled to come through the next day, and see that I am hit with an NSF fee for {$34.00}. I check my account and it now shows a debit against my account for {$73.00} on XX/XX/XXXX, with the NSF fee assessed on XX/XX/XXXX. Now their systems has been updated to show the debit on XX/XX/XXXX, when I check my account everyday and it didnt show up on my end until after XXXX XXXX on the XXXX. Then it was backdated to XX/XX/XXXX. 

This is a regular occurrence.

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 2018-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XXXX refuses to process my request for TransUnion and XXXX  credit reports as required by Federal Law.

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 2018-06-09
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
For background, I had an Amex Platinum until XX/XX/XXXX, but canceled it due to several poor customer service experiences with Amex. 

In XX/XX/XXXX, I read an article announcing that Amex was doing a targeted offer for XXXX bonus points via XXXX XXXX CardMatch program. I've been considering trying the card again, but I assumed I'd be ineligible since I already had an Amex Platinum. 

I decided to give it a chance though and, to my surprise, was matched to the XXXX bonus point offer. I still thought it might disappear when I went over to Amex to apply officially, but nothing indicated that I wasn't eligible for that offer, so I officially apply and am approved for the card. 

3 months later, I've put well over the required $ XXXX min spend on the card, plus paid the {$550.00} annual fee, but still haven't received the bonus points. I reached out to customer service about this, and they tell me that I'm ineligible for the bonus because of my previous card and that I should have noticed that in the fine print ( even though everything on the page I applied through made it appear like I was still getting the XXXX bonus offer ). 

I'm extremely disappointed about this. I would not have reactivated my Amex card without that bonus, nor would I have paid the annual fee, nor would I have spent several thousand dollars on the card. I feel like they've run a bait and switch on me by burying the fact I wasn't qualified in the terms and conditions somewhere while still making it look like I was qualified throughout the application process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: EOS Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had XXXX XXXX package with Internet, Phone, and Cable/ TV. The XXXX workers went on strike during the period when my services went out. I made several calls to XXXX and they kept promising to send the technicians out to repair the problem. After failing to repair the problem over a two month period, I cancelled the service and obtained new services from another provider. 

I disputed the charges with XXXX ; however, they reported the bill to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Sallie May ( the student loan dealer ) solded it's business to navient - 2003 my sister took out a loan with sallie may - when they sold there business some how all of her info transferred to me and shes receiving all of my information.. Not only that but when it comes to my bills and payments they send them to her! They claim I gave them her email address but thats all lies - theres no proof of that - they completely violated my personal information and breached the contract by giving out my information and violating my confidentiality rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Experian Information Solutions Inc.
State: GA
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:
SEVERAL DISPUTES AND NO RESOLVE

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 2020-06-26
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX XXXX   Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX/XXXX  Unauthorized charges successful iconSubmitted XXXX/XXXX  Unauthorized charges filed ftc 60 days ago

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 2018-04-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Somewhere on or around XX/XX/XXXX My estranged husband, XXXX XXXX XXXX and I were issued a check from XXXX XXXX XXXX XXXX for musical instruments he claims were stolen after our separation on XX/XX/XXXX. The check was paid to the order of XXXX XXXX XXXX and XXXX XXXX XXXX for {$4900.00}, check XXXX, dated XX/XX/XXXX. XXXX was able to take the check to a JP Morgan Chase branch at XXXX XXXX XXXX XXXX, XXXX, Texas and deposited into his personal bank account without my signature or knowledge. This check was allowed to be improperly negotiated and deposited. 

On or around XX/XX/XXXX a check was issued to XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX. JP Morgan Chase at XXXX XXXX XXXX, XXXX, Texas XXXX allowed him to cash this check without my knowledge or signature as well as Compassion 's roofing did not sign the check XXXX, dated XX/XX/XXXX for {$3000.00}. 

On or around XX/XX/XXXX JP Morgan Chase allowed check XXXX. {$3000.00}, dated XX/XX/XXXX to be cashed. This check was made out to XXXX XXXX and XXXX XXXX and XXXX Roofing & Remodeling. 

All 3 of these checks were not negotiated properly, but all three were either deposited or cashed by 3 branches of JP Morgan Chase. 

I have spoke to several branches of JP Morgan Chase and all say it was incorrect, but there is nothing that can be done about it. The second two checks with the contractor 's name was for roof repairs ( both checks were the same amount ), but no work has been done on the property. I believe XXXX XXXX and the contractor may have split the money or XXXX XXXX may have kept the money for his gain. Please understand I know this money is not mine, but should have gone for the roof repairs. More checks are to be issued for the repair. I have spoken many time to our mortgage companies Loss Draft Department and although they admit the signing of the checks was improper they say they can not do anything about it and will reissue more checks without inspection of property repairs. 

I have spoke to JP Morgan Chase branches, XXXX, XXXX XXXX and XXXX XXXX XXXX ( as checks were drawn off them ) with no resolution. 

It is my conclusion that anyone can walk into a JP Morgan Chase branch and cash/deposit whatever they want without recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: AR Resources, Inc.
State: MO
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 been trying to fix my credit for quite a few months now. There has been some collections and other accounts placed on my credit due to someone else. I have filed a police report with my local police department and was advised to file a complaint here as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received an invitation offer from the Citi Thank you Preferred credit card introducing a new feature called The Citi Flex Loan which allows you to access funds from your existing credit line with a fixed APR and choice of payment terms. On one of the documents is listed that your Citi Flex Loan offer APR is 7.99 %, finding this APR rate attractive I applied for the Flex Loan and was approved. My bank account was funded with the requested amount and several days later I received documents relating to my card agreement which informed me that a new APR percentage rate was now assigned to the loan which takes effect XX/XX/2019 and which is double the offer APR of 7.99 % as advertised. After reviewing the terms and conditions of the offer I could not reveal any language in the documents that informed me that the APR percentage rate would and could change based on their discretion. I believe that the Citi Thank you Preferred credit card engaged in misleading advertising regarding the promotional APR percentage rate, offering an attractive low rate and then after approving my loan set that fixed rate at 15.24 %.

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 2018-10-16
Company: NAVY FEDERAL CREDIT UNION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/2018 i deposit a check of XXXX and in XX/XX/XXXX i ordered something from XXXX XXXX  the order did not go right so i canceled the order and told navy federal to expedite my funds back into my account so the did. Now they are telling me in XX/XX/2018 XXXX XXXX XXXX gave me the MONEY back. Navy federal would not admit the human error they still had my oops account open plus the were removing money from my savings to my checking without consent from me and i told them to stop and they did not and now its a human error that they are leaving me liable for their error and i ask that you will investigate my claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX XXXX   Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX/XXXX  Unauthorized charges successful iconSubmitted XXXX/XXXX  Unauthorized charges filed ftc 60 days ago

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