BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
From XX/XX/XXXX to XX/XX/XXXX a XXXX XXXX had been taking money from my account, unauthorized by me. The increments started low, and went on 1 and 2 times per day. The increments increased in value over the month. The thief used a XXXX XXXX  such as XXXX  to make the transactions. The total equaled {$9800.00}. When I called Bank of America on XXXX first I filed a claim. I was told it will take 45-60 days. It took less than 10 days to make a determination on {$9800.00}. The main reason they denied was " it did not follow the typical fraud pattern '' Also they said it took me too long to report. Also, Bank of America did not send me one notice via text or any other communication suspecting fraudulent activity. with 46 transactions, sometimes 2 per day, equaling over {$400.00} dollars at one point.
After the claim was denied I was instructed by Bank of America to file a police report to be able to reopen the claim. I did so and opened the claim again. The claim was closed in a week and the same reasons were given. 
No one ever called me to discuss it or ask questions. Which I would think over 10k someone would call me in a real investigation. And they did not.

On XX/XX/202 I have called back to get an explanation and the opportunity to speak with someone with decision making capabilities. Thus far it has proven unsuccessful. I have been a Bank of America customer for 15 years. I trusted them with my money and it is clear they don't really care about me or my family. 

I am uncertain who to turn to in this situation as there is no way I can just let this go. Thank you for any help you can provide me and 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 monetary relief
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I was a with XXXX  - CARD SERVICE customer since XXXX and during that time, I have enjoyed my experience greatly. I paid and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results I have late payments on the above referenced account ( XX/XX/XXXX, XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

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 2020-03-20
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent multiple letters/request to collection agency and the 3 credit bureau 's for validation of amount owed. ( {$500.00} ) First one to collection agency was delivered XX/XX/XXXX, waited 30 days, did not get a reply. Sent follow-up letter on XX/XX/XXXX, delivered XX/XX/XXXX as to why I did not get a reply to my validation request and that they are violating FDCPA.. then all of a sudden I received a response letter on XX/XX/XXXX ( dated XX/XX/XXXX?! ) with a photo copy of a itemized bill from creditor dated XX/XX/XXXX. ( I guess this is the no response/delayed response sent for first letter. Still was outside of the 30 days allowed.. ) I replied the next day and had to send 2 of the same letters, ( 1 was never delivered, lost in USPS system in collections agency zip code since XX/XX/XXXX, the replacement second letter was mailed weeks later, XX/XX/XXXX and delivered on XX/XX/XXXX informing them that a bill does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation and cited case law as fact and proof. As of this writing I just received the exact same itemized bill dated XX/XX/XXXX as well as a second itemized bill dated XX/XX/XXXX. That letter sent by the collection agency for some reason is dated XX/XX/XXXX, the same day my last letter to them was delivered! Strange! Don't know if that was a response to my letter that was delivered on XXXX XXXX.But because of this non-compliance from collection agency and the 3 credit bureau 's , this negative acct is being reported continuously by all 3 bureau 's as updated & verified. I am currently in dispute with them for this acct. I also informed all 3 bureau 's that I have contacted the collection agency multiple times to validate debt, which they have not. Letters that were sent to collection agency were also sent to the 3 bureau 's with tracking info as proof of me asking collection agency to validate. I now have to ask the CFPB to investigate & help me with this.

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 2021-01-14
Company: Experian Information Solutions Inc.
State: IN
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:
US SM BUS ADMIN ODA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  DC, XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Hard inquiry on my credit report today ( XX/XX/XXXX ) that is not mine nor did I submit for any loan with sba.

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 2020-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}. 
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. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -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 2021-01-14
Company: STATE FARM BANK, FSB
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2020 a check of {$4500.00} was delivered to there the State Farm Loan Mail a Payment or Payoff address as indicated on their website. 

https : //www.statefarm.com/finances/banking/loans/resources/loan-payment-methods Around XXXX XXXX, i called them to find out why the loan was still showing a balance. I tried to explain to the lady on the phone that i had a tracking # and the delivery confirmation update of the payoff. She didn't even bother to ask me some informations as to what was the tracking # or what was the address it was delivered to. The only support i got was being told that they didn't have the check. 

After insisting and trying to resolve this matter, she started to raised her voice and started to be rude. I told her that this was unacceptable, and I request to speak to a manager. But after being on hold for more than 20 minutes, I hang up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-14
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have been disputing this account for validation, verification and inaccurate information reporting from XXXX  XXXX XXXX. The Bureaus and Creditor have failed to accurately report or removed on my credit report. My husband had the same account on his credit file and it was removed from his with no issue. I have sent countless letters and its still remains on my file with inaccurate information. Please investigate as necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Chime Financial Inc
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, I received unsolicited e-mail addressing me by my first name from Chime Bank welcoming me to their bank and letting me know that I will be receiving a debit card from them. 

I did not open an account with Chime Bank, so I searched for a way to speak with someone from the bank to resolve the issue. Calling their ( XXXX ) XXXX number was a dead end, all it did was refer me to an e-mail XXXX XXXX XX/XX/XXXX, I e-mailed XXXX stating that a bank account had been fraudulently opened in my name. I requested the account be closed, and their fraud department alerted. I gave them my phone number for them to call me to resolve this issue. 

On XX/XX/XXXX, I received an e-mail from XXXX : " Thank you for providing that information and letting us know you did not open this account. We have launched an investigation into this matter. We have blocked the account, which will prevent the account from being accessed by an unauthorized party using your personal information in the future. 

In order to formally close this account, we ask that you please provide the following pieces of information to verify your identity. 

Your primary government-issued photo ID ( such as a Drivers License or State ID card ). Please send a copy of both the front and the back of your ID. 

For security purposes, please provide a photo of yourself holding your ID card We will not be able to close this account until your identity has been verified. 

Please reply directly to this message and attach the requested items. All documents must be sent in JPG, JPEG, or PDF format ( we do not accept PNG, XXXX XXXX Files or other document formats. ) Kind regards, ******* | Chime Support. 
Chime Member Services '' I do not feel I should have to send them a copy of my ID and a photo of me holding my ID card to close a fraudulently opened account, especially over unsecure e-mail. How do I know what this bank will do with this information? Up to this point, I don't know if they have my full name, address, etc. If I send this information over unsecure e-mail, it may be intercepted by criminals. 

On XX/XX/XXXX, I replied to the above e-mail : Hello *******, I do not want to send personal information ( government ID card ) unsecure over e-mail. Isn't there a phone number I can call to get this resolved? 

Regards, XXXX As of XX/XX/XXXX, I have not received any reply to the above. 

There should be a way to close the account without having to potentially expose my personal information to criminals.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: EQUIFAX, INC.
State: TX
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:
014 XXXX XXXX XXXX Letter on Unfair or Deceptive Credit Practices. ... The FTC Act and the Dodd-Frank Act continue to prohibit unfair or deceptive acts or ... XXXX may determine a statutory violation exists, depending on the facts and ... 

ftc violations

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XX/XX/XXXX Pentagon Federal Credit Union XXXX XXXXXXXX XXXX VA XXXX Re : Used Auto Loan number XXXX XXXX XXXX XXXX XXXX VIN Last Four : XXXX To Whom It May Concern, The present is to file an official complaint to Pentagon Federal Credit Union and to request an immediate removal of the CPI ADD {$1900.00} to my loan balance. 

On XX/XX/XXXX ; I called the PenFed call center and was advised the fee was added because I did not have auto insurance of the financed car listed above. I was also advised my monthly fee was increased from {$360.00} to {$480.00} per month. Not only was my loan balance increased but also my monthly payment. This is financial abuse and predatory lending practice.

First, I have always carried auto insurance on the financed vehicle. As you can see from Attachment 1 and Attachment 1A the cited vehicle was insured. 

Second, I was just advised of your insurance requirements. No more than {$2000.00} deductible and full insurance. The PenFed website does not cite such requirements. See : https : //www.penfed.org/auto/used-auto-loans and when I called to finalize the loan, none of the loan officers advised me of such requirements. Their only concern was to sell XXXX XXXX which I purchased from you. Please see Attachment 3 to verify my updated auto insurance policy. 

Third, I have set up automatic payments to this loan from XXXX XXXX XXXX XXXX for the amount of {$360.00} ONLY. Since the amount submitted for the XXXX payment was higher, XXXX XXXX automatically rejected the payment. 

I request that my demand be reviewed and my loan returned to the original which I agreed to. Please remove any return payment fees, late fees, CPI ADD fees and my loan amount needs to be revised to the original amount. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX VA XXXX XXXX Certified copy mailed to : XXXX XXXX XXXX XXXX XXXX Consumer Assistance Center XXXX XXXX XXXX, XXXX, VA XXXX CFPB Submitted online https : //www.consumerfinance.gov/complaint/

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 2021-02-19
Company: U.S. BANCORP
State: AR
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:
THE FOLLOWING HARD PULLS ARE UNAUTHORIZED AND HAVE NO SIGNATURES ON FILE FOR ME XXXX XXXX XXXX  XX/XX/XXXX 2 XXXX XXXX XX/XX/XXXX AND 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 explanation
Consumer complaint received 2020-03-20
Company: Navient Solutions, LLC.
State: HI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
For years, Navient has been trying to send me falsified information on my ability to pay for my private student loan in a timely manner and by raising my interest rate and assessed fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I made a regular payment for XXXX by phone to my HELOC lender PHH # XXXX. 
On XX/XX/2020 my lender applied my entire payment to principal and then claimed I was late with the XXXX payment. I called to get the problem corrected. After speaking with their agent I was sent a letter dated XX/XX/2020, by PHH that read that I had made a late payment. Attached is copy of the payment statement and the XX/XX/XXXX letter. 
My complaint is that PHH has made a false record of their misapplication of my payments. This the second time that they have done this ; Case Number XXXX / Regulatory Case ID XXXX, attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: Lustig, Glaser & Wilson, P.C.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
summons served at the address of my parents ' house, which is not my place of residence or where I opened the account. I live in XXXX ( XXXX ). Currently being sued in XXXX without representation and my counterclaim based on the improper service was denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: EQUIFAX, 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:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report.

I will also file with the CFPB and FTC! This is unacceptable! I will file a lawsuit if this is not removed within 7 days

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My mother and I open a bank account at Bank of America in our name only on XXXX/XXXX/2015. In XXXX XXXX, Texas. I tried to use the card and the transaction was not approved. So I returned to the bank to check what the problem was. I was told by the bank representative that the accout was closed on XXXX/XXXX/2015 at a Bank of America in XXXX, Texas. So the representative call the location and they stated that it was closed by my Mother in person. My sister inlaw lives in XXXX and she worked at that location. The representative that was helping me told the rep at the other location that she helped us open the account and that my mother was here in XXXX XXXX, and than representive went to her manager and they did nothing about it. I also explain that my sister inlaw does have my mothers drivers license because my mother did live with her at one time. 
On XXXX XXXX, 2015 I took my mother out of the XXXX and brought her to my home in XXXX XXXX. Since Bank of America here in XXXX XXXX would not do anything about it. I did filed a fraud complaint with Bank of American. The complaint was taken down incorrectly. So I filed a second one and they still stated that my mother went in to the bank and closed the account. Bank of America refuses to view the video so it can be proven that my mother was not present when the account was closed. I strongly believe that my sister lnlaw new the person that help her close the account, because she did work there, that would be the only way the account could be closed. As I said before my mother was not there. I am at witts end with all of the actions of Bank of America. The amount taken out of the account was {$1000.00}. 
Adult Protective Service has already placed Identity theft notice on my mother 's social scurity number. Because my sister In-law has taken monies out of the account that my mother had with Bank of America for years that was the reason we openned up another account. 
Please Help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have over XXXX in student loans the payments are so high. I am unemployed and XXXX and have a XXXX child there is no way I can make the payments. Navient denies me deferments forbearance and payment arrangements they are now threatening to put me in default and garnish my checking account and taxes

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: ALLY FINANCIAL INC.
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
Hello I got this check in the mail for auto finance and I have been trying to cash it and the banks nor any store can read it. And I have been emailing a XXXX XXXX about this situation the guy who wrote the check for me and I 'm just confused as to why it 's not going through

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 2022-10-13
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello! 

This issue is in relation to the handling of my federal student loan refunds. On XX/XX/XXXX, I called Aidvantage to request a refund on all my loan payments since XX/XX/2020. 

The total of these six payments was verified with the representative to be {$2700.00} ; and I was told my loan balance will be reinstated and to expect my refund 4-6 weeks later. 

Since then, I have made several calls for a status update. Each time, I have received different answers with no clear resolution and different timelines. 

There has been no movement on my Aidvantage account balance, no update on my Federal Student Aid portal for this account, and no update on my refund status.

Company response to consumer: Closed with explanation