BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Citizens Bank, One Deposit Checking Account # XXXX was overdrawn {$35.00} on ( XX/XX/18 ) by two items paid by Citizens against my account settings, prohibiting overdrafts. I attempted to cover this overdraft that evening, ( XX/XX/18 ) at their XXXX XXXX XXXX, XXXX, OH, XXXX location, which was off-line that evening due to " communications issues ''. 

An overdraft notice was issued to me by Citizens via e-mail on XX/XX/18, and ATM deposits to cover the overdraft were made that day, leaving a positive account balance of {$2.00} until fees were piled on. 

Two {$35.00} overdraft fees for a total of {$70.00} were applied overnight XX/XX/18, again throwing the account into an overdraft condition, because of the service charge fees. An SSI direct deposit of {$550.00} was made XX/XX/18 leaving me with a positive ledger balance of {$490.00}, even after the {$70.00} erroneous overdraft fees had been applied. 

I went to their branch at XXXX XXXX XXXX, XXXX, OH, XXXX on the afternoon of XXXX to clear up this issue, and was directed to their XXXX Customer Service Line, as the branch manager did not have the authority to reverse my overdraft fees. 

After a wait exceeding 12-minutes I finally got connected to Citizens CSR, who then put me on hold for a couple more minutes before a " Supervisor '' who had the power to refund the overdraft fees could be found. She confirmed the technical issues with ATM on XX/XX/18 which prevented my deposit to cover the overdraft, and I was offered and accepted {$35.00} credit for the {$70.00} overdraft fees on XX/XX/18, which was immediately applied to my account, and should have closed the case. 

On XX/XX/18 I found I had been assessed and additional {$30.00} " sustained overdraft charge '' overnight that was posted on XX/XX/18, after our fee credit agreement. I had a positive balance of {$520.00} on XX/XX/18 and would have had a positive balance the whole period XXXX if their XXXX XXXX ATM had been functional and the XXXX XXXX Holiday had not intervened. 

On XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-09
Company: JPMORGAN CHASE & CO.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a bonus check from work XX/XX/2013 for {$280.00}. Right after I opened the check I received a phone call from the collection agency stating that they would settle right now with a money order for the amount of {$280.00}. I went to the Bank, cashed the check, went to the Post Office and mailed it to them that same day. It was paid and has not been on my credit report. Since then I have purchased two properties and two vehicles and have a credit score of close to 800. 

This is ridiculous for this matter that has been paid 5 years ago to come up again after I paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Company : XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$7300.00} Company : XXXX XXXXXXXX XXXX XXXX Account # : XXXX Date Open:XXXX Balance : {$2300.00} Company : XXXX XXXX XXXX XXXX Account # : XXXX Date Open:XXXX Balance : {$13000.00} Company : XXXX XXXX XXXXXXXX Account # :XXXX Date Open:XXXX Balance : {$4000.00} Company : XXXX XXXX XXXX XXXX Account # :XXXX Date Open:XX/XX/XXXX Balance : {$1100.00} Company : XXXX XXXX Account # :XXXX Date Open:XXXX Balance : {$6100.00} Company : XXXX XXXX Account # :XXXX Date Open:XX/XX/XXXX Balance : {$1100.00}

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 2018-03-30
Company: LAKEVIEW LOAN SERVICING, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Lakeview Loan Servicing LLC continues to delay crediting payments. 
In XXXX payment was sent on XX/XX/XXXX from our XXXX XXXX Bill Pay system in the amount of {$1800.00}. The copy of the check is stamped by XXXX on XX/XX/XXXX but the payment was not applied until XX/XX/XXXX. 

The same thing occurred in XXXX the payment of {$1800.00} was sent on XX/XX/XXXX but this was sent electronically and XXXX tells me is should arrive in 3 business days. This payment was not applied until XX/XX/XXXX. XXXX tells me Lakeview changed the payment to electronic- this is something I do not understand- how Lakeview can make this change- I am told by XXXX that this makes the  payment show up in 2/3 business days. This transaction does not have a stamped check like the XXXX payment. 

These late payments result in a fee. Every month I call Lakeview and complain and thus far they have been willing to reverse these late charges. 

Every time I call I get different information. I ask to speak with a manager and they tell me the payments are in fact late, when my bank tells me they should not be.Hold times are excessive. How can I use another loan servicer? Lakeview is TERRIBLE!

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 2018-03-30
Company: Navient Solutions, LLC.
State: FL
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:
I am writing you because I have attempted to contact Customer Service and they are unwilling to address this issue. 

In reviewing my student loan account I can see from Navient 's records that including payment to the school and interest I borrowed a total of {$29000.00} Since paying on my loan I have paid a total of ( {$18000.00} ) Meaning I should only owe the remaining balance of {$11000.00} However Navient is reporting in my account and to credit bureaus that I owe {$26000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
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:
My student loan with the XXXX XXXX XXXX was paid off in full in 2017. In XXXX of this year my student loan appeared on my XXXX credit report as having a balance of {$180.00}. I had already received refund checks for over payment of this loan so there definitely was not a balance remaining. I contacted the XXXX XXXX   XXXX to correct the problem. They told me they would correct it and the correction would reflect the next time it is reported to the credit bureaus. It was not corrected. I contacted them again along with disputing the error with the credit bureau. XXXX turned around and removed the acct all together which took care of that issue with that one credit bureau. However it was now being reported incorrectly with Experian. I reached out and again I was told they would correct the problem so the acct would reflect correctly in haven been paid in full. This was now the month of XXXX. In correcting the error an additional error was made. Instead of back dating the correction so the changes appeared during the period in which the acct was open the date of the activity was dated for this year which made my paid in full close acct show a missed/late payment in XXXX of this year. How can I miss a payment of a loan that is clearly paid in full? I have disputed this problem multiple times. I have sent emails, made calls, placed disputes on the acct and for 3 months now i have been stuck in limbo trying to secure a home loan and can't because of someone else 's error. I have been able to access my acct acct history for the government loan website and the error is clearly stated in the dating of activity on the acct. I have just received notification that my last dispute as been resolved and the changes reflected after the dispute are no changes. Everything is exactly as it was before my dispute.

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 2021-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
BANK OF AMERICA IS CHARGING MY ACCOUNT TWICE FOR LATE FEES AND INTEREST. I AM TRYING TO DO A DEBT SETTLEMENT. I AM 6 MONTHS PAST DUE. I HAVE NOT MADE A PAYMENT SINCE XX/XX/2021. HOWEVER THEY HAVE IT BEING 2 MONTHS PAST DUE. DOUBLE CHARGING ME FOR INTEREST LATE FEES, THEY ARE TELLING ME THAT THERE IS NOTHING THEY CAN DO TILL IT'S SIX MONTHS PAST DUE. THIS IS A CLEAR VIOLATION OF FDCPA. I WILL GET A LAWYER. I HAVE BEEN TRYINGTO CALL XXXX XXXX AT XXXX FOR BANK OF AMERICA. HE WILL NOT CALL ME BACK. I AM TYRING TO DO A DEBT SETTLEMENT

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 2020-12-02
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- STUDENT ACCOUNTS  1. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-12-02
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Filed a verbal and written dispute of remaining balance on file which was minute in the amount of {$230.00} company advised they were not attempting to collect on this amount as it was documented to be disputed with no payment due on the amount until resolved Then 13 days later they start calling seeking payment we go through it all over again this is during the Covid pandemic the rep transfers me to two different supervisors advised account was enrolled as additional precaution while being investigated into covid assistance in which the minimum payment was reset to {$0.00} due for two consecutive billing periods I also paid the account in full on XXXX XX/XX/2020 they still pursued those charges despite the ongoing dispute despite the covid clearly documented on file and confirmed several times then they reported adversely to CRAs for XXXX and XX/XX/2020 For months it was showing past due months after it was paid causing irreparable financial harm Ive been a customer for years never once 30 days late not both the balance and minimum were the lowest in years and they refuse to take ownership of their violated agreements on multiple

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2018-07-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To whom it may concern, It has come to my attention after carefully reviewing my credit report directly from all 3 national reporting bureau 's ( XXXX, XXXX, XXXX ) that a debt collection agency known as 'Portfolio Recovery Associates LLC ( PRA ) ' is allegedly reporting a collection account against me in the amount of {$570.00} in which i have no knowledge of, they have also committed and continue to commit the following violations according to The Consumer Financial Protection Bureau & The Fair Debt Collection Practices Act : 1- Failure to submit a verification of the alleged debt of the original account with a detailed explanation of how such amount was calculated, which is a clear and direct violation of CFPB Consent Order Paragraph 116. 

2- Falsely reporting payment terms as 'Revolving - 1 Month ' on my XXXX   report in which i have never had any contract with Portfolio Recovery Associates LLC to pay nor have i agreed in any way to such terms, which is a false representation and a violation of the FDCPA Section 807.

3- Falsely reporting 'Amount Past Due ' and reporting 'Failure to Pay ' payment history every month to my credit report, in which there was never an original signed contract between ( PRA ) and myself agreeing to pay them any money, which is a false representation and a violation of the FDCPA Section 807.

4- Falsely reporting the alleged account and misrepresenting themselves as 'Factoring Company ' on my XXXX report and Account type 'Other ' which is not listed under collection on my XXXX report, Which is a violation of CFPB Consent Order Paragraph 94.

I would like for the issues mentioned above to be addressed to stop the false and misleading representations, such abuses and unfair practices by Portfolio Recovery Associates are tremendously and negatively affecting my Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: AMERICAN EXPRESS COMPANY
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:
Amex is holding my amount of credit, which Im in my 50s, against an additional card holder on my account, who is in there 20s, She was nvr approved for tht credit amount nor shld it be held against her but it is!! That should not be legal - I hv my child as an additional card holder under my account w a credit limit of {$1000.00}. Yet under credit reporting thy r holding my avail credit amount of {$30000.00} against her even though she ws never approved for that amount of credit. She was denied a loan because of it - CC companies should NOT allowed to hold the credit amount of the main card holder against add card holders for credit reporting reasons!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: EQUIFAX, 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 information incorrect

Complaint:
Hello Sir/Madam I am writing concerning a pressing concern in my credit files that I would like to have revised. I received my EQUIFAX, XXXX, and XXXX credit reports. My credit reports are reflecting LATE PAYMENTS on my student loans which are incorrect and affecting my credit negatively which is keeping me from obtaining credit. I took pride in the fact that all my accounts were always in a positive status. The LOANS ARE PAID AND CLOSED BUT STILL REFLECT NEGATIVELY on my credit reports. My student loans were in forbearance and when XXXX and XXXX XXXX split my loans defaulted. I am at my whits end with this. XXXX XXXX ADMITED THE ERROR ON THEIR PART BUT XXXX REFUSED TO BUY BACK THE LOANS FROM XXXX XXXX. 

I am the sole provider for my family and this has left us in an unfavorable position financially. I am about to begin the process of purchasing a new home, and it has come to my attention that the late notation from XXXX XXXX is keeping me from being able to get approved for a home. Since that notation does not reflect correctly with bureaus I am requesting that you please update all 3 credit bureaus EQUIFAX, XXXX, and XXXX to reflect NO LATE PAYMENTS OR REMOVE THE ACCOUNTS FROM MY CREDIT FILES. I HAVE 30 ACCOUNTS REPORTING NEGATIVE!!! THE ACCOUNTS ARE PAID AND CLOSED. I would like this done most expeditiously. I HAVE FILED A COMPLAINT WITH THE CFPB AND XXXX IS STILL GIVING FALSE INFORMATION. I NEVER SIGNED ANY CONTRACT WITH XXXX!!!! MY LOANS WERE UNDER XXXX XXXX!!!!! 

Unfortunately I can not get into my XXXX XXXX account but I have enclosed a screenshot of the deferment request that was sent to me from XXXX XXXX. 
I thank you again for the time you have spent reading this correspondence. I hope to communicate with you soon

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, my husband and I inquired about a home mortgage from Citizens Bank. The sales associate pulled our credit reports as part of the process. He informed me that he could not proceed because I have a " freeze '' instituted on my XXXX account. I did this -- as a matter of RIGHT -- when the XXXX breach occurred. I told the sales associate and asked if they could proceed with other credit reporting agencies. The sales associate said no. I asked to see the policy requiring reports from all 3 major credit reporting agencies. He refused to show me. I pressed again. He said that my application was being canceled, and pointed me to this : XXXX XXXX   XXXX This policy says nothing about using all 3 major credit reporting agencies. And it says nothing about XXXX, specifically. Instead, it says : The lender must obtain a credit report for each borrower on the loan application who has an individual credit record. The credit report must be based on data provided by the national credit repositories. Acceptable credit report formats are described in B3-5.2-02, Types of Credit Reports. For credit report requirements in DU see below. 

A nontraditional mortgage credit report or other form of alternative credit verification may be used if the borrower does not have sufficient credit to enable the development of a credit score, or does not use the type of credit that is reported to credit repositories. 

See B3-5.4, Nontraditional Credit History, for additional information. 

I pointed this out to the sales associate. He said, " Thank you again for applying with us. Unfortunately we can not proceed with your application as is. '' Again, I asked to see the policy. He said that he had already showed me ( he hadn't ). 

I called the CFPB hotline. I was told to file a complaint online. 

The sales associate is : XXXX XXXX Branch Manager - NMLS ID # XXXX President 's Club - XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Mortgage XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, NY XXXX Direct/Cell : XXXX eFax ( secure ) : XXXX Email : XXXX Web : www.citizenslo.comXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
called chase and complained about a chase card on my transunion. i did not apply for one. XX/XX/2016. still on my credit report

Company response to consumer: Closed with non-monetary relief