BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
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:
On XX/XX/XXXX, I received a fraud alert from Bank of America for charges ( see below ). I notified them I had made one of the referenced charges ( XXXX charge ) and they notified they would investigate the other charges. 
XXXX {$43.00} ( XX/XX/XXXX ) XX/XX/XXXX XXXX XXXX {$11.00} XXXX XXXX {$26.00} XXXX XXXX {$290.00} XXXX XXXX {$26.00} XXXX XXXX {$2.00} XXXX {$33.00} Declined XXXX {$290.00} BOA credited my account for the fraudulent charges of about {$400.00}. 
On XX/XX/XXXX, I received a letter from Bank of America saying the charges were NOT fraudulent and added the charges back to my account. I did not make the purchases all occurring on XX/XX/XXXX. The last time I used my card was for gas on XX/XX/XXXX. 
I want to know what recourse I have at this point. 
Thank you for any assistance.

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 2019-12-14
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 recently noticed several accounts and inquiries on my report that I didnt authorize, after being denied credit for a car loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This has been paid for years now. It has showed up on my son 's credit report because we have the same name, Fox Collection is just moving it from one report to another. I want it removed from all three of my credit reports, and for their best interest it better not reappear on my son 's.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: Earnest Inc.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Problem with the interest rate

Complaint:
Earnest ( www.earneset.com ) asked about monthly expenses, including rent. I do not pay rent ( my spouse pays all of the rent and since they do not consider spousal income, they should not consider spousal monthly expenses ). They refused to accept that I do not pay rent when considering my loan and offered me a higher interest rate than I should have qualified for based on my monthly expenses. Additionally, they refuse to consider assets and property when calculating interest rates. They are currently considering household debt and monthly expenses, but refuse to consider household income. I believe these tactics of selectively considering income and assets is in an effort to ensure they are able to keep their interest rates high and make their advertised interest rates unattainable. This occurred from XX/XX/XXXX-XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2020 I attempted to Transfer funds to my XXXX XXXX account with my ReliaCard. I called XXXX XXXX just to make sure my money got there and they said the account was closed also that I should get the money back within two days. I called ReliaCard sat on hold with them for three hours in total and three different calls and I still did not get an answer and I also did not receive the funds back in my Reliacard account.Every other service is excellent. This is not a complaint with their company in general I just would like my money and I also have screenshots of the day I Transfer the funds and the hours I sat on the phone.

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 2020-06-12
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My wife passed away in XXXX or 2019 and I had previously contacted my bank to get our joint checking changed to my name only. I submitted her death certificate and other paperwork and was assured it had all been handled with a note on my account for future deposits in both our names. 
After filing my taxes this year for 2019, I contacted my bank, Navy Federal Credit Union, to see if my return of {$9300.00} had been sent from the IRS. I did this because I had recently changed checking account numbers following a theft involving my check book. The woman I spoke to said my return was sent back to the IRS because it had my name and my wife 's name on the deposit. She had no idea my wife was deceased, suggested it was my ex-wife, and said there was nothing indicating that on my account. Now I have to attempt to contact the IRS to find a way to get a check in my name alone since Navy FCU has somehow " forgotten '' all of the paperwork and phone calls from when my wife passed and wont accept a direct deposit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I am currently trying to remove things from my credit by disputing them. I noticed on transunion things fell off then got added back. When I called customer service and asked questions the lady was very rude and refused to help me. Attached is a screenshot of the stuff removed and put back on. Thank you for your time.

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 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have tried 3 times to obtain my credit report from Transunion, I sent my State Id, my SS # : I called and requested it two times over the phone and tried to do it on line, they have not sent my credit report, I had no problems from XXXX, or XXXX, but from the report that they sent me my rights have been violated. A consumer reporting agency can not furnish an account without my written instruction. The open dates are inaccurate, last active is inaccurate, date last reported inaccurate. This is grounds for removal and XXXX5 USC 1681 section 602 A states that I have the right to privacy, 15 USC 1681 section 604 A Section 2., as a result of these things on my credit report I have hardship, I have a job, but I live with my Sister, I tried to get my own place and I was unable to because of my credit report. A credit report should not be the determining factor to get a place to live, you have the job making good money, but you can't get in because of a credit score is just down right ridiculous to me, I can not tell you how many people can not get a place to live because their score is too low, or they have erroneous stuff on their credit report that stops them from obtaining a home, these things need to change. If you need to contact me please contact via e-mail XXXX, address is XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, 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 non-monetary relief
Consumer complaint received 2021-12-11
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021, my money was taken out of my account by paypal. I had {$1400.00}. I was receiving money from friends and family, but Paypal took it upon themselves to restrict access to my account and prevent me from taking my money out. PayPal issues NO communication to me, and gave me NO indication why this decision was made prior to action being taken. PayPal never reached out to me to verify activity or verify my identity. PayPal acted solely on their own with a lack of information and a lack of due diligence. PayPal had taken it upon themselves to withhold my money and keep it in their possession with no clear instructions or options of resolution. This is what they wrote in their note " {$1400.00} USD ; PayPal Posting Date : XXXX XXXX XXXX ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ; PayPal 's damages caused by Acceptable Use Policy violation ''. I want my money back or I will seek legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: SLM CORPORATION
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am the co-signer on my daughter 's student loan with Sallie Mae. She applied for the loan to attend XXXX University. While there, it became necessary for her to transfer to XXXX University in XXXX, WA because of the rising costs of attending XXXX. She was supposed to have a two-year grace period after she graduated, which occurred last XXXX. SM made a mistake in the process, and told her that her grace period had expired!! Since then they have been constantly harrassing both of us. The payments they want are way beyond our ability to pay. She is a XXXX in WA. SM and XXXX are demanding {$1500.00} per month. We have repeatedly tried to work out a reasonable rate of payment but they have refused to do so. This has severely impacted my credit, it went from XXXX to XXXX in less than a month. In addition, they have called my cell phone even after being told to stop. Also, my work phone. I am ready to provide more detailed information, this is just a synopsis of what we have been going through since last XXXX 2016. We are willing to pay the debt, we just want something that resembles a manageable amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have filed a complaint with each of the inquiries in question with the CFPB. Their responses were dismissive and final just like yours. But yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the inquiries to be valid and being reported accurately. Failure to provide me with a copy of any alleged contract or other instrument will result in a small claims action against your company. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] By not properly investigating properly with each inquiry within the required time-frame, I have evidence of such, via certified mail receipts, you must remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. I will be relentless in having those unverifiable inquiries removed. 
Here are the inquiries in question : XXXX XX/XX/XXXX Banking XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Banking XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Banking XX/XX/XXXX XXXX Banking XXXX XX/XX/XXXX Banking XXXX XX/XX/XXXX Finance CAP XXXX XXXX/XXXX/XXXX Banking

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 2019-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this 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 2017-09-18
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
My name is XXXX XXXX and I was referred to the XXXX XXXX XXXX back in XXXX. The welcome offer was spend {$1000.00} in the first three months and receive XXXX Skymiles. Additional terms included make a qualifying XXXX purchase in the first three months and receive a {$50.00} statement credit. Lastly, the intro fee would be {$0.00} for the first year and {$95.00} each year after. I was approved for the card on XXXX XXXX XXXX. I met the spend requirements sometime in XXXX. I have called and chatted since then numerous times about not receiving the bonus after 6-8 weeks. I even opened a previous case here at CFPB ( XXXX ) about the same issue and was written by XXXX  corporate with an apology that recognized the issue and said they estimated a resolution on or before XXXX XXXX XXXX. I have waited and waited and waited for these bonus miles. In the mean time of waiting I have missed out on booking a vacation with Skymiles to Hawaii with my husband. I have missed out on booking a Skymiles ticket to go back home for my grandmother 's XXXX. I have been given excuse after excuse and promise after promise. At this point XXXX has breeched a contract and has violated its own terms. I can not and will not recommend XXXX to anyone anymore. It is absolutely atrocious the headache I have had to endure to get what should have been an automatic thing. I have waited now approx 4 months since meeting the spend requirement with no miles, no real explanation without forcing the issue, and no offers of other compensation. Instead each time I get the same tired excuse of, " We have escalated this to our marketing team and they are attempting to resolve this. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: ENOVA INTERNATIONAL, INC.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I will begin by explaining that I received a same day loan by NetCredit in XXXX and paid it off XXXX or XXXX. 
XXXX XXXX I went to acquire a loan and was approved. Received a notification and call stating that I needed to verify the addresses were the same on the voided check after Net Credit loan processor saw that the account information, check was the same account number and through the bank statement that everything was verified. Everything was verified! Tuesday I received a call stating the check addresses didnt match again so in order for me to I would have to re apply to change the ACH option. I asked to just send another voided check but they insisted on me reapplying, so I did. For the next 4 days I could never speak with a loan processing representative or supervisor, they kept asking for more information, stating my employer could not be verified, even after my employer called NetCredit, pushed back the loan date to XXXX, ultimately declining my application, without speaking or returning my call which I requested 3 days by email. They received all of my personal information, wasted a week and a half of my time for information they already approved of. I never was contacted by any person in the loan department or supervisor. And my credit decreased. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sold my house on XX/XX/XXXX. Freedom Mortgage says they have sent two checks to my new address but they have been returned. According to Freedom the USPS can not find the address. The USPS has delivered many pieces of mail and packages to me at the new address. It is now XX/XX/XXXX and Freedom wants another 8 - 10 days to write me another check. They say they can not transfer the funds straight to my checking account but they were happy to withdraw payments from my checking account for the past 3 years. This all sounds like an excuse to sit on my money without paying me interest or late fees for another couple of months.

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 2015-05-06
Company: PNC Bank N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Dear Sir/Madam, I recently incurred multiple overdraft fees from PNC bank and it was clearly manipulated such that all checks " batched '' on the same day were ordered from " highest amount '' to " lowest amount '' in order to purposefully " cause '' multiple overdrafts. We 're looking to switch to another bank ... have been a loyal customer for XXXX years but this is extraordinarily unethical ... it borders on sinister and devious. Did I mess up? Absolutely. But had they ordered the checks lowest to highest, the overdraft WOULD NOT have been triggered until the very last check. Instead, I have XXXX or XXXX overdrafts as the largest check was intentionally processed first. Extremely angry in XXXX, MD. It may be legal, but it does n't make it right. Thanks for listening.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: EQUIFAX, INC.
State: MA
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:
When they ask you to write in details about the complaint : I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, Equifax, and XXXX XXXX via XXXX certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their XXXX allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was also deleted from my Equifax and XXXX reports as well so in order to correct the inconsistencies between the XXXX, Equifax, and XXXX credit reports, the account needs to be deleted from the XXXX credit report. 

The information for this account listed on my credit report is : CREDITOR : XXXX XXXX XXXX, ACCOUNT XXXX, OPENED XX/XX/2018, BALANCE OF {$770.00}

Company response to consumer: Closed with explanation