BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-28
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I filed a dispute for two transactions I'd previously authorized to be taken. The funds authorized were to pay for my minor son 's registration fee to play in an out of state Football game. He was to travel from NJ to FL for 5 days to practice with his team, have a game and travel back home. 
I only spoke with his coach ( who coached him XX/XX/XXXX ) regarding this event, the fees, the entire set up. I emailed with two other people associated with XXXX XXXX  regarding jersey numbers only. 
The day they were supposed to leave ( XX/XX/XXXX ) the coach advised he was not able to provide the transportation that we'd agreed upon and that my minor child would need to travel the 20 hours with unknown adults in order to attend the event. 
I declined and requested a refund of the registration fees, to which he verbally agreed shouldn't be a problem. I immediately requested a refund of the funds as I had not been advised otherwise and felt this was a breach in contract because transportation was no longer being provided. 
PNC bank did some type of research and declined my dispute and drafted {$150.00} out of my account today leaving it negative. 
I was never told that I could not have my money back, I was advised verbally that I would be fine to request a refund. The contract I entered online to make the payment was for a flag football team I have no knowledge of so even that contract was null and void as the event was not flag but instead full contact football. My son was one of two children left behind and I have text messages providing proof XXXX XXXX acting as an agent for XXXX XXXX  in my eyes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Riverwalk Financial Corporation
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did not receive any communication from XXXX XXXX company saying that I owed a debt, was in default on my debt, and that my debt was being sent to collections. I do not know who the original company the debt is through. On my credit report, it says that this debt was opened on XX/XX/2017. I never applied for a debt/loan on XX/XX/2017 and was never told about it. The first time I received knowledge about it was when it showed up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hi. I tried to open an account using a promo code offer. The requirements were to open a checking and savings account at the same time, have {$500.00} in direct deposits, and receive a bonus depending on how much is kept in the savings account. I used the code XXXX. Less than {$10000.00} in the savings account would give a bonus of {$300.00}. I did that and applied the bonus to my account when I opened it. I had an issue when I opened the account online and it only opened a checking account only not a checking and a savings account. I reached out to support who connected me with a local banker at a local branch. He assisted me with the savings account and confirmed that I would still qualify for the bonus. 

Now that its time for the bonus to be paid and credited to my account I did not receive it. I spent several weeks trying to get a response and kept being told they would look into it. General support finally referred me back to the branch banker who told me I would get the bonus. He spent a couple of weeks trying to get a response for me only to finally say that because the two accounts were not opened at the same time I would actually not qualify ( despite confirming several months ago that I did ) and that I would receive no bonus. He said today even though he told me via email in XXXX that I qualified that I actually did not.

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 2021-10-05
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I am in a flux of calls about my student loan which is just wrong. Multiply calls coming in from collectors saying they represent Navient. Even calls coming from XXXX now??? 
Callers say they are legal operators. They have no knowledge of who they are talking too! Their amounts all suggest different levels of debt. But it is time to focus on local issues involving Elections and every year the calls triple. Maybe next year I will become incognito. For now I must stay connected to my phone and emails. 
Callers are from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX during just 2 days. I wish they could get really involved with true and valuable collections if owed. But this is just Bullying at it's worse but people must pay them to keep after it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a chase account Monday XX/XX/21, I received my card XX/XX/21. I tried making a deposit in the chase atm on XX/XX/21 in the amount of {$2800.00}. The atm took my money, did not confirm the transaction and then returned a receipt with a telephone number to confirm my deposit went through. My account does not reflect the transaction, nor am I capable of talking to a representative due to its Sunday. This service is beyond terrible and unfair to the costumer who is in need of access to the money. It was cash, so there would be no need for clearance as it would for a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Experian Information Solutions Inc.
State: SC
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:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

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 2017-08-01
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:
X/XX/2017 X/XX/2017 I 've contacted all 3 credit agencies in regards to validating the U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The Bankruptcy Court mailed me a letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Courts confirmed XXXX, XXXX and Experian Credit Bureaus has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly.

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 2021-06-28
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The apartments in which we lived is saying we owe a balance. They refuse to furnish me with the online portal transactions which will show we paid the final bill. They sent the balance to Professional Debt Mediation. I disputed the balance and the account was rendered closed with the apartments saying they had made a mistake. PDM sent a letter stating the account was closed. A few mo the later, they sent another letter on the same account trying to collect the balance after closure. I tried to reach out and both PDM will not furnish the portal transactions. I hired a lawyer and all communications with PDM were to go through my lawyer. I received an email from XXXX XXXX where PDM reported the balance on my credit. I need help please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received 2 phone calls on XX/XX/2018 from " XXXX XXXX XXXX '' about " pending legal action '' for US Bank. I do not have a US Bank account nor have I had on for more than a decade. I do not owe any money to US Bank.

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 2022-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Tried contacting a few weeks back for them to update my credit report that hasn't been updated from what I can see.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Im trying to apply for loan and the rep refuses to correct my information.They put make XXXX a year when I make XXXXThe company is giving runaround. I asked multiple times seems they dont understand English.They told me falsified income asked them to correct it they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Credit Bureaus changed the status of my Alabama Child Support Account from closed to collections. This is an error. This account is current and being paid as agreed. According to the Alabama Child Support Administration, child support should only be reported on credit reports if the past due balance is over {$1000.00}. I am current on my payments therefore the account should be removed, if not placed in a current status.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: ORG GC GP Buyer, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On Wednesday, XXXX XXXX between XXXX and XXXX, my employer was contacted by a man named XXXX with a collection company. He asked my employer to know personal information about myself. The phone number was XXXX ext. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
On XX/XX/2020, I ( XXXX XXXX XXXX booked 2 one-way flights from XXXX Texas to XXXX XXXX for {$580.00}. I used XXXX to search for the flights and booked through an online travel agent called " XXXX ''. The Airline was XXXX XXXX  and was scheduled for departure XX/XX/2020. On XX/XX/XXXX the flight was cancelled ( I received cancellation email from airlines XXXX. On XX/XX/2020 I received an email from XXXX XXXX saying that " The refund for flight cancellation has been forwarded to the travel agent I booked with ( XXXX  ) ''. XXXX Euros were deposited in a Mastercard ending in XXXX ( XXXX  ). I could not recover refund from XXXX so I opened a dispute with my credit card XXXX Bank of America Visa ending in XXXX ). The dispute was rejected because there was " No Cancellation Policy ''. I opened up another claim with Bank of America. I made sure that they were aware that the travel agent had received my refund, but they were just holding it. I had personally spoke with a representative from XXXX XXXX that gave me the exact date and the card information for the refund that they had already sent to XXXX. I forwarded this information on to Bank of America in the second dispute. Having provided this information, I figured it would be a matter of time before the dispute would be reviewed, Bank of America would see that i paid for a service from a third party. the service was cancelled, and the third party kept my money. How could anybody look at those circumstances and see that I was not due a full refund? A few months later, I received another letter from Bank of America saying that they decided against me in my dispute claim, and that I needed to go through gotogate for a refund. XXXX has horrible customer service and there is no way to reach management and if you get somebody on the line and they cant answer your question, they will just hang up on you. They are also based in XXXX, which makes it even more difficult to reach leadership/management. I want to file a complaint against Bank of Americas credit card department because their dispute department has failed Me ( Their customer ). They should protect their customers from borderline illegal activity by merchants. This travel agent has held my money for over a year now and Bank of America is just letting them get away with it and that's just wrong.

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 2020-01-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio Recovery is attempting to collect a debt originally from XXXX XXXX that has been paid and settled in XX/XX/2018. I have contacted them and sent proof from the credit report showing the debt settled, but they havent taken any steps to correct their error. Im attaching the account showing its been settled and the active collection from Portfolio Recovery illegally trying to collect on a debt already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: JPMORGAN CHASE & CO.
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
Complained about fraudulent XXXX charges and company failed to address my concerns. They apparently ruled summarily in XXXX 's favor without asking me for any information or advising me of their decision not to investigate the claim throughout the month of XXXX when the fraud was discovered. 

Waited 30 mins to speak with someone at this garbage company only to be transferred to a foreign representative who couldn't hear me. Of course, if they used a real phone instead of a tin can, then this wouldn't happen. Garbage company. Garbage product. 

Totally violated my rights under the Fair Credit Act and the Equal Credit Opportunity Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX  never investigated inquires and they willing knew it was a violation of my rights so they are liable pursuant to USC1692K 813 civil liability There deletion is admittance to them reporting inaccurate information on my 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 non-monetary relief
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 Bal. {$16000.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the 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 2021-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Last year I learned that someone stole my identity. After months of working with the companies and credit bureaus I was finally able to correct the situation except for with Transunion bureau. They have been ignoring my request for several months and at this point I'm not able to use my credit at all because they will not remove the erroneous information. I know their failure to respond to me is illegal and I have a right to have a correct profile. Please assist.

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