BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I deposited a check for {$2100.00} to my Bank of America account, XXXX. This was a paycheck from a local XXXX entity, the XXXX XXXX  of XXXX, NY. I had no reason to believe there would be issues, so I made two XXXX payments for {$30.00} each ( a total of {$60.00} ). 

On Saturday, I log in to my bank and see that my paycheck was on hold until XX/XX/XXXX, eleven days after my deposit. 

On Monday, I see that I was given two separate item returned fees for {$35.00} each, a total of {$70.00}. The withholding of my funds caused an overdraft because my account didnt have enough to cover the XXXX fees and a recurring XXXX  fee of {$65.00}. 

I am attaching bank records to show these transactions. 

I have also received a letter from Bank of America explicitly stating they will reverse item returned fees that result from the hold of my check for {$2100.00}. That is attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-13
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
my information is reporting all wrong and i need it fixed ASAP from my name ti my address to my insurance information i need info removed and reported correctly also i do not want my personal information searchable or posted online basically shared to nobody

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: Navient Solutions, LLC.
State: CT
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Received a call for a student loan that is owed by someone with the same name as me. I have been receiving these calls since XX/XX/XXXX. I received a voicemail on XX/XX/2019 at XXXX XXXX from an agent XXXX XXXX agent ID # XXXX from number XXXX. I called and have informed them that I do not have student loans and to stop calling. The calls continued about 2 to 3 time a day and still continuing and I would block the number and they would call from a different number. This is very harassing when I am at work and have to deal with this everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
During this Global COVID-19 Pandemic Regulations states that there should be NO LATE PAYMENTS reporting during Foreberarnce Program. I have multiple Late payments showing on my report that should me removed immediately due to COVID-19. This is Clearly a Violation!!! Delete these late payments from my credit report immediately! If not deleted I will be reaching out to the CFPB and Seeking litigation because once again this is a violation. Remove late payments now please.

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 2021-12-13
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Chase decreased my credit limit without warning from XXXX XXXX to now just XXXX which is a XXXX decrease for no reason. When I reached out to Chase, Chase Bank gave no real explanation for the decrease. This has adversely affected me as I have had good credit with an exceptional payment history on all my credit accounts never ever late for over 15 years. Which I pride myself on always paying all my bills on time. I also Just paid off an auto loan in XX/XX/XXXX that is almost XXXX XXXX without any missed payments. When Chase Bank decreased my account it again adversely affected my credit score and caused my credit usage to Increase substantially in percentage from 35 percent to over 70 percent Chase has decreased my credit limit for no reason on my Chase Slate Card. I opened my Chase Slate card in XXXX. In almost 10 years my payment history is outstanding never missed a payment and I always pay more than the monthly payment amount. 
On XX/XX/XXXX, unbeknownst credit usage. A good credit usage is around 30 percent credit usage. A high credit usage of 50, 60, and 70 percent usage is not good. I have requested to have my balance reinstated which I could within one year and I have been denied. I have also been denied by Chase to increase my credit limit to any amount less than the original XXXX XXXX credit limit. I have also been denied for any balance transfer as well. Chase now claims my debt is too high to increase my limit which is false. Im not nowhere close to maxing my credit cards. I also currently have close to over XXXX XXXX available credit I dont feel this is right. This has caused me mental distress, and pain and suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
An employee at my local PNC Bank branch mishandled my funds on XX/XX/XXXX, resulting in the loss of {$14000.00}. She let me in about XXXX minutes after the bank had closed and rushed through a wire transfer, a type of transaction I did not understand, nor ever try to transact before, nor explicitly ask for on this day. I was visibly distraught due to a phone scam situation, however, she did not care or ask what was wrong. She assumed this transfer was what I needed without explaining the transaction type. She did not probe or screen at all for potential fraud, which is the standard protocol of any financial institution. 

I believe the employee could have been involved in the scam, as the caller had mentioned PNC and asked me to visit the branch after an online transfer wasn't possible. Even if not directly involved, the employee was recklessly fast due to the late hour, negligent, and thus, breached her fiduciary duty as a bank employee. By the bank 's own admission she was someone temporarily assigned to the branch during a remodeling project, and lacked proper training. 

I have previously submitted complaint # XXXX with the CFPB, stating that the bank ignored my appeal letter dated XX/XX/XXXX and tried to convince me that the fraud occurred through no fault of their own, but was entirely my fault simply because I'm a senior citizen. 

When the bank responded on XX/XX/XXXX to this complaint, they falsely stated that I had authorized the transfer. The employee forced me to sign a paper prematurely without explaining anything. Her lack of communication, naturally, would not constitute an authorization of anything at all. 

Furthermore, the denial letter states that the transfer was to cover my medical expenses, which is also false. I have never mentioned anything about medical expenses to any of the bank personnel. 

These false statements by the bank lead me to believe that they did not truly investigate the incident, as they had promised, and that they may even be confusing me with another client.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: CITIBANK, N.A.
State: OH
Product: Credit 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:
There are over {$1000.00} of charges made on my credit card in XXXX 2023 in California. I live in Ohio and do not know anyone in California nor have I traveled to California. I contacted Citi Bank to file a dispute and on 3 occasions they have reopened my case then dismissed my complaint and tell me Im responsible for paying the fraudulent charges. I provided Citibank copies of my time sheet at work proving I was at work in Ohio at the time the charges were made in California and I have provided my bank statement to prove I was in Ohio where I had made purchases on my debit card at a local grocery store and gas station. I continue to get late notices that my bill is past due and calls that my credit will be ruined. I have not made even the minimum payment due because my credit card balance should be {$0.00} as I have not used the card in question and can not even find the card.

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 2018-03-07
Company: AES/PHEAA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In XX/XX/2017 we filed our original lBR. In XX/XX/XXXX our income changed dramatically due to job loss. On XX/XX/XXXX we filed for a 30 forebearnce and re filed all paperwork to reflect this with A.E.S. On XX/XX/XXXX we were notified by mail that we did not submit all the paperwork to reflect my wifes income. We called them and the customer service agent told us that they were missing half of the paperwork that we faxed in. First, we mailed the paperwork. Second, they claimed to have pages 1,3,5 and 7. So pages 2,4 and 6 were on the back of these pages. We were also told that we have to hand write statements to coincide with the job loss. We were not told this before. We were not required to do this with our other 2 loan servicers. It also states in the IBR from the student loan website that you are NOT required to submit any additional paperwork stating this. It states this twice. We then FAXED and MAILED the paperwork again, within 24 hours. We requested another temporary forebearance to allow for this to be entered. We were denied. We were assured by the customer service agent and the manager on duty that this would not be necessary and they would fix the issue. On XX/XX/XXXX we received an email stating that we were 5 days behind on payments and now facing the possibility of default. We have not even been told what our new payment is or if we qualified for a lower payment due to the new IBR paperwork. It also threatens to report to the credit bureau. This company is constantly finding ways to threaten us with this and they are never timely on their end, or they misplace paperwork that is given to them. We also have loan amounts that are 3X the original amounts due to them constantly changing the interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'd like to emphasize that the failure to complete a proper investigation into the disputed items on my credit report is not due to any lack of effort, documentation, or communication on my part. I have diligently followed the protocols outlined by the Fair Credit Reporting Act ( FCRA ), including the submission of all requested documents like the identity theft affidavit and police report. Despite having provided all the necessary information within the required timelines, the investigation remains incomplete, and certain issues have not been rectified.

It is crucial to note that under Sections 611 and 623 of the FCRA, the responsibility for conducting a thorough and timely investigation lies solely with the credit reporting agency and the data furnisher. Their failure to do so within the mandated 30-day period constitutes a violation of federal law. Such an oversight should not be blamed on the consumer, particularly when said consumer has made every effort to cooperate and provide all requested documentation promptly.

This lack of timely resolution negatively impacts my financial well-being and violates my rights under the FCRA. As such, I reiterate my request for immediate action on the aforementioned issues. Your prompt attention to correct these shortcomings is not only crucial for my financial health but is also mandated by law.

It is deeply troubling and unfair that despite having done everything within my power to prove identity theft, I am the one paying the price for someone else 's criminal actions. I have submitted all the necessary documents, including a police report and an identity theft affidavit, to not just prove that fraud has occurred but also to protect my legal rights. The emotional and financial toll this has taken on me is significant. My ability to secure credit, rent a home, or even secure employment is being jeopardized through no fault of my own. It is unacceptable that even after demonstrating that my identity was stolen, I must still contend with an incomplete investigation and a credit report that does not reflect the truth. This is not only a gross violation of my rights under the Fair Credit Reporting Act but also a failure of the system that is supposed to protect consumers from precisely this kind of victimization. Therefore, I strongly urge you to promptly rectify these issues in compliance with federal law and ethical responsibility.

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-10-09
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX  I started to purchase calculators, fireplaces and multiple other things from different websites for about {$14000.00} to resell on XXXX and I never received any of those products. I filed a police report and went to TD bank and filed disputes for everything and they said that it was a lot of money so it would take a while, months and months have gone by and still no word on my money. They are pretty much saying I wont be refunded. I talked to a lawyer and he said that the person who scammed me is probably in another country so it would be hard to catch him.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Bread Financial Holdings, Inc.
State: MT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
RE : VS Account Number Ending XXXX w/ Comenity Bank XXXX : Settlement Letter to Comenity to Pay in Full Account Ending XXXX XXXX : Proof Settlement Letter Received by Comenity Bank XXXX : Comenity Bank Cashed {$190.00} Check and as Stated in Settlement Letter, this Account to be Paid in Full and Credit Report Updated w/in 15 days of cashing check XXXX : Cease and Desist Letter due to Comenity Placing Numerous Repeated Calls to Work Phone XXXX : Comenity Bank Still Reporting on my Credit Bureau and Still Numerous Repeated Calls to Work Phone

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX : XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 29 It also states a consumer reporting agency can not furnish a account without my written instructions

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 2019-12-17
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX Department,I've called back both of those days and left messages for XXXX  with no return call.Totally disagree with your assessment, haven't seen anything in writing that you said you were going to send me. Please email me the federal requirements that you speak about below.Also attached is my original Private Mortgage Insurance DisclosureUnder the paragraph Automatic Termination of PMI it states "if you are current on your loan payments (which I've never been late in 15 years), PMI will automatically terminate on the date the principal balance of you loan is scheduled to reach 78% if the original value of the property.78% of my principle balance on my loan is $XXXX (original price $XXXX x 78%=$XXXX). My principal of $XXXX   on my loan was reached on XX/XX/XXXX!So according to my calculations my PMI should have ended on that day. So in calculating $XXXX for 29 months you need to reimburse me the amount of $XXXXI will also be contacting the Consumer Financial Protection Bureau.Respectfully,On behalf of PHH Mortgage Services (PHH), the Escalation Department would like to thank you for your recent inquiry. The Escalation Department was created to provide a resource to assist with unresolved concerns and issues.Thank you for bringing your private mortgage insurance (PMI) cancellation concerns to our attention.We welcome the opportunity to assist you.  However, our attempts to contact you on XX/XX/XXXX and XX/XX/XXXX to personally discuss your case have been unsuccessful.We regret to inform you that the account is not eligible for auto termination of the private mortgage insurance (PMI) due to federal requirement. Should you have any further concerns, you may contact XXXX  directly toll free at (XXXX) XXXX, select Option XXXX, Extension XXXX or email XXXX  at XXXX. For general account questions you may visit XXXX. You may also contact Customer Care Center via telephone at (XXXX) XXXX   during the following hours:Monday ? Friday XXXX XXXX ? XXXX XXXX ETSaturday  XXXX XXXX ? XXXX XXXX ETXXXX C/O PHH Mortgage Services, LLCXXXX XXXX XXXXXXXX. XXXX, NJ 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 2021-11-29
Company: EQUIFAX, INC.
State: FL
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:
I sent letters directly to the companies reporting the inaccurate information on my credit profile on XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$330.00} XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  Inquired on 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