BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My Bank of America checking account was overdrawn by {$150.00}. 

I deposited a check on Thursday XX/XX/XXXX in the amount of {$3000.00} to  cover the overdraft. I also made an online payment that evening for {$2400.00}.  Typically the availability of funds allows {$300.00} to be available immediately and the remaining amount of the deposit of a local check up to {$5000.00}, to be  available the next business day. 

I expected nothing different on this occasion. I made the deposit at a Bank of America ATM before XXXX EDT. In the process of making the deposit I did not receive any special alerts of any kind. I did not pay any attention to the receipt I just put it in my pocket. Later that evening I checked my account online and realized that a ten ( 10 ) day hold had been put on the check I deposited. 

I called bank of America customer service and was told that the system automatically put a RISK hold on the account and that no person could remove that. The customer service person did not know exactly why. 

On Friday XX/XX/XXXX, I deposited an additional {$2000.00} in cash into that checking account so my balance was now at {$4800.00} An online debit that I had initiated on Thursday XX/XX/XXXX for {$2400.00}  hit my bank on Friday XX/XX/XXXX and the item was returned and a {$35.00} NSF fee was charged to my account. 

I called Bank of America again on Saturday  XX/XX/XXXX and spoke to XXXX from WV and then his supervisor XXXX. They both echoed that no one at the bank could remove this ten ( 10 ) day hold. XXXX further advised that the notice I received on my receipt AFTER the ATM deposit was made, was all that the bank was legally required to do to inform me of the hold. 

I reminded XXXX that if I was in the branch a live teller would have let me know of the extended hold before I deposited the item ( therefore allowing me to decide if to deposit the check at this bank or not ). I pointed out that the ATM gave me no such alert during the ATM deposit process and therefore I needed to have the situation addressed and resolved. I advised her that for such a large bank with over thirty ( 30 ) million customers, this was an unacceptable situation and asked to speak to her manager. She confirmed that nothing could be done by ANYONE in the bank and apologized for the INCONVENIENCE. 

It is unacceptable that of the thousands of banks and credit unions in this country, one of the 4 XXXX   dollar banks in the USA, with ten of millions of customers could have automated, electronic protocols that are completely insensitive and unresponsive to the needs of live human beings. 

This needs to be resolved.

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 2017-10-07
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo continues to authorize debit charges on my account when there are not sufficient funds then charges me overdraft fees. I did not request for any overdraft protection. I bank with several other institutions and they do not authorize charges when the funds are not available. I called and spoke with Wells Fargo practice and they claimed this is what they do. They " assume '' the funds will be added to the account and therefore allow the charges to be authorized. This does n't make any sense whatsoever. In fact, they are not even consistent with this practice as some of the charges were not authorized at all ( attached bill - usually paid from my WF account but was n't authorized ). I feel these practices are unfair and WF attempt of making a profit by authorizing debit charges especially on transactions that are less than the {$35.00} overdraft fee I 'm being charged. These practices need to stop.

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 2019-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have an XXXX mastercard account that is not showing on my credit report ... this is not accurate, and I want it on my reports ... this is against the law ... to include only what you want to ... the company has confirmed that it has been reported to you ... litigation will follow if not corrected immediately

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 2021-11-11
Company: ERC
State: CA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here are the accounts that need to be deleted : ENHANCED RECOVERY CO L - XXXX Balance {$740.00} ; ENHANCED RECOVERY CO L - XXXX Balance {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: CITIBANK, N.A.
State: CA
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:
I've recently checked my credit report from XXXX   and I was shocked to see previously deleted fraudulent accounts were reinserted back to my credit file. I am a victim of identity theft, and I did not authorize anyone to open accounts under my name. I am requesting to investigate and remove the fraudulent accounts from my credit report as soon as possible.

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 2021-05-15
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX. My property address is XXXX XXXX XXXX XXXX NY XXXX Before Pandamic, Everything was going fine until the Tenants stop paying rent from XX/XX/2020, I have to go towards Forbearance plane which my mortgage company ( Shellpoint MTG ) was offering.I was in continuous negotiations with them and they left my house without paying me anything. I started making payments to mortgage from my pocket {$2500.00} where actual payment was {$3300.00} a month I have not able to work more hours yet and when i tried to talk to them about Loan Modification, The Representative named XXXX is telling me that they cant do anything about it And i have to pay {$3500.00} now and i am not qualified for ( Loan Modification ) company https : //www.shellpointmortgageservicing.com/ # 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 2017-10-07
Company: Experian Information Solutions Inc.
State: CA
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:
I requested my credit report from XXXX and Experian around XXXX XXXX, XXXX. In the reports from XXXX and Experian, I found several mistakes : 1, In both, there are XXXX XXXX credit cards but only XXXX is actually mine. 
2, In Experian, there are XXXX reported names but I only use XXXX name. 
3, In both, there are several addresses that I have never lived in. 
4, In Experian, there is also a phone number that I never heard of. 
The firs issue terrifies me. I called XXXX XXXX XXXX and they confirmed that there is only XXXX card associated with my social and name. Somewhat relieved, I filed XXXX disputes with XXXX and Experian in hope that they can figure out this mistake. I was pretty sure this is due to mistakes of XXXX and Experian because that credit card did not even appear in my XXXX credit report! 

However, when I received the dispute results on XXXX XXXX, XXXX, I was shocked. Both companies told me that they thought the report was accurate and the XXXX credit card that is not mine will remain in my credit report. 

So I called XXXX XXXX XXXX again XXXX ( XXXX XXXX ) and they ( very helpful and friendly ) confirmed that I only have XXXX credit card with them and I am not a co-signer/co-borrower/guarantor for any other accounts. However, they can not take further steps to investigate this issue because I can not provide them the full account number of that suspicious credit card. I could only see the partial account number, not full account number in my report. Unless experian/XXXX provided me the full account number of that suspicious credit card, XXXX can not do anything at that point. 

Thus, I called Experian today to ask for : 1, Full account number of that suspicious XXXX credit card. 
2, If that 's not possible, I want to have more information about the reinvestigation on how they conclude that credit card, which is clearly not mine, should remain in my credit report. 
But the customer service was not helpful at all. He first said he can not provide me the full account number. Then when I asked him to explain the reinvestigation process, he became super rude and avoided answering my question at all. Instead, he kept telling me I need to contact XXXX to solve the problem, not Experian. When I asked him what is his name and employee ID, he hung up my call without a clue. 

Therefore, the current situation is a deadlock to me because Experian/XXXX would not fix the obvious identity theft problem in my credit report and XXXX will not be able to help me unless I provided them with full account number which I can not get from Experian/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 2020-10-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
ON XX/XX/2020 AT XXXX EXPERIAN RECEIVED MY DISPUTE PACKET AND AFFIDAVIT FROM THE FEDERAL TRADE COMMISSION XXXX I NEVER RECEIVED A RESPONSE FROM EXPERIAN. ON XX/XX/2020 I CALLED AND FILLED A DISPUTE OVER THE PHONE. TO DISPUTE 2 BANKRUPTCIES, ADDRESSES, AND ACCOUNTS. ON XX/XX/2020 I UPLOADED MY DRIVER LICENSES, FTC COMPLAINT, FTC AFFIDAVIT, AND POLICE REPORT TO EXPERIAN.COM/UPLOAD. ON XX/XX/2020 I RECEIVED AN UPDATE FROM EXPERIAN THAT MY DISPUTE HAS BEEN COMPLETED. UPON CHECKING THE RESULTS THE 2 BANKRUPTCIES REMAINED ANS 2 INACCURATE ADDRESSES REMAINED. I THEN CALLED XXXX XXXX XXXX @ XXXX ) I SPOKE WITH XXXX IN THE XXXX DISPUTE DEPARTMENT. XXXX SAID THE CREDITORS CONFIRMED MY IDENTITY, WHICH I DON'T UNDERSTAND BECAUSE ITS NOT MY ACCOUNTS IM A VICTIM OF IDENTITY THEFT. XXXX REENTERED A DISPUTE FOR THE 2 BANKRUPTCIES. I NEED ASSISTANCE WITH GETTING THESE INACCURATE ACCOUNTS BEING ILLEGALLY ON MY CREDIT REPORT. THIS IS AFFECT ME FROM OBTAIN EMPLOYMENT AND PROVIDING SHELTER FOR MY FAMILY.

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 2021-05-15
Company: Experian Information Solutions Inc.
State: OH
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:
I sent certified letters to Experian, XXXX and XXXX on XXXX, XXXX, XXXX, XXXX and XXXX, XXXX, XXXX about inaccurate accounts that they need to verify and send their method of verification and they failed to comply. They claim that the information is valid but refuse to explain how they validated the incorrect information. Account XXXX XXXX, XXXX CARD AND XXXX 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 explanation
Consumer complaint received 2022-04-04
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-11-11
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Without my knowledge and consent, PNC fraudulently opened a checking account XXXX in my name with the initial amount of {$0.00}, and started sending me the bank statements and the letters demanding from me to fund the account with a certain amount of money, otherwise they would charge me a fee. For the last two weeks, I've been trying to close that account. On all those occasions, PNC transferred me to the non-working tel. extension. Today, after my legal warning that I would sue them, after 2.5 hours of waiting and constant transfers they let me speak with the manager who informed me that ... once an account is open somehow at PNC, it can not be closed without the authorization of the top bank executives, and, perhaps, I could submit a request for the closure by personally visiting a PNC branch. The closest to me PNC branch is 40 miles away from me. PNC is engaged in the financial fraud by opening the unauthorized accounts and prevention of their closure by all means. Thus, they attempt to fraudulently inflate the number of its customers for the stock gain. This swindle must stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: MicroBilt / PRBC (formerly CL Verify)
State: NJ
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:
PRBC MUST disclose my consumer report to my mailing address provided below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My vehicle was involved in a flood a natural disaster. I had my vehicle financed. I had insurance as well as gap insurance. I was told by Credit Acceptance on 2 separate occasions that nothing would be owed on my end only to for them to mark me as late on a debt that was supposed to be cleared. They mark me late every month on loan that I know longer have and it has literally killed my credit. They have not closed the loan out at all like they should have and it has been over a year now.

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 2022-08-12
Company: Albert Corporation
State: GA
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:
Hello, I am reaching out to CFPB due to the fact that my current bank ALBERT BANK a product of XXXX XXXX refuses to help me with fraudulent transactions on my account, in spite of the fact I have submitted evidence of these unauthorized transactions on my account. There are over XXXX back to back transactions bearing the name XXXX totally {$130.00}. They are each either for XXXX, XXXX, or XXXX. The bank claims they did an investigation but this is false because how can you tell me I authorized charges that I never did? My card was fraudulently used. The bank has no phone number to reach a representative, they send emails and it takes days to get a response. They closed my claim without considering the evidence for trying to resolve my situation when money was fraudulent stolen out of my account in the form of XXXX + random small transactions that all look similar, a clear indication of fraud.PLEASE HELP!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: KEYCORP
State: OH
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:
XX/XX/2018 a {$1.00} XXXX XXXX Trial for Funding Cost Me almost {$1000.00} overdraft fees {$650.00} paid for an appraisal that was to be Refunded. Then Key Bank Put My account in XXXX XXXX for {$100.00} plus Dollars. Then wrote me and said it was a mistake I have not gotten any of my money back to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
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:
I am trying to rent an apartment and today XX/XX/20 I got my credit ran to see if I qualified to rent an apartment and I was told that I was not eligible at this time due to having several accounts in negative standing on my credit history. I looked through my credit report and I saw accounts from several different companies that do not belong to me. I did not open any account with the companies I listed on this report nor did I benefit anything from these accounts that were opened in my name without my permission such as money, goods, services or any other benefit and I did not make any payments towards any of these debts. I have already filed a police report as well as a complaint with the CFPB regarding these unauthorized 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 2020-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I recently requested a copy of my credit report from all three credit bureaus. When I received the report from 2 of the 3, I saw that they had some false information on it so I wrote my first dispute letter requesting documents they had to validate these debts. Some of the items were removed and others werent. The item Im referencing now is with a collection agency called XXXX XXXX XXXX. It was for a school that I never attended. I have asked for proper documentation with two different dispute letters but the credit bureaus nor the collection agency will comply. If they cant provide me with documentation of this debt then it needs to be removed from 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 2019-10-08
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
The flood damage has compromised the cars computer and safety mechanisms, which poses significant safety hazards to me and my family.The vehicle became inoperable in less than a week with multiple malfunctions ; oil leaks, oil changes, break replacement, tune ups, electrical issues, engine replacement and repairs, temporary/expired tags and now the steering wheel shakes when Im driving the vehicle, and transmission stops and stalls while driving 70mph on the freeway. Due to the known inoperative various defects on the vehicle and the recall not being honored the car was in an rear-ended accident and the airbags did not deploy putting me and my family at risk.

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 2021-10-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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:
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Genesis FS Card Services, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This company is currently showing 30 days late ( XX/XX/XXXX and XX/XX/XXXX ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation