BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
1. I requested a XXXX transfer on my Adv Plus Banking account ending in XXXX and was disclosed a {$1.00} fee per the screenshot then when the transaction was complete a {$3.00} fee was withdrawn from my personal Adv Plus Banking account ending in XXXX. Requesting a {$2.00} refund to my personal checking account, 2. On my business fundamentals checking account ending in XXXX was charged 2 x {$35.00} overdraft fees on checks that have not been cashed and scheduled to be deducted from my account in XXXX not XXXX. The bill pay was withdrawn on XX/XX/XXXX. 

We are active military and requesting that both {$35.00} overdraft fees on my business checking account ending in XXXX be refunded along with the {$15.00} monthly service fee ( total {$90.00} )

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 monetary relief
Consumer complaint received 2022-02-15
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Please Delete the following Incorrect Addresses and Employers listed below. 
EXPERIAN - XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX - NEVER LIVED XXXX - XXXX XXXX XXXX XXXX XXXX TX XXXX - NEVER LIVED XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX CURRENT XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX PREVIOUS XXXX - XXXX XXXX  XXXX EMPLOYER UNKNOWN?

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 2017-06-16
Company: Experian Information Solutions Inc.
State: NJ
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:
experian has not investgated  XXXX  items on my report that are over  XXXX   years old fro m an alleged medical collection agency.   XXXX  i have no notifcation on the allegedly debt owed and EXPERIAN has missed the 30 day deadline but still remains on 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 2021-05-06
Company: Risecredit, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I signed up for a loan pre-COVID and have made regular payments on-time to Rise Credit. When the pandemic happened, I lost my second job and reached out to Rise for additional help. They deferred a few payments but the annual interest is 220.68 %, which I recognize I agreed to when I signed the loan agreement. However, when I contacted them recently to come up with a resolution they told me that they can't refinance because the system is automatic and will offer me to refinance when the system allow it to. 
I currently owe {$4000.00} ( principal {$2400.00} ) When I told them I would pay {$1000.00} off per month to help bring the balance down, they said I could but that it could go back to the $ XXXX amount, which seems odd to me because I'm paying the balance down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am the original creditor, in fact natural person and I extended my credit to Wells Fargo, I have been violated and discriminated against, I have been embarrassed and because of Wells Fargo i suffer from sever mental anguish

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 2022-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
This is regarding my BoFA card ending XXXX which is premium rewards card and offer a {$100.00} credit annually for Airline Incidental Fee. This year I made two transactions for seat upgrade and baggage from XXXX XXXX on XX/XX/XXXX ( {$240.00} x 2 ) for which I didn't notice the {$100.00} credit. On XX/XX/XXXX, I contacted BoFA customer care to enquire about the missing credit. They submitted a case on my behalf but nothing happened and after a week I received a letter stating that they needed more information. 
I called the customer care again on XX/XX/XXXX and the representative told me that they wanted to confirm if the seat upgrade was purchase separate from the original airline ticket, to which I confirmed YES. I even gave a reference of two similar transactions from XX/XX/XXXX ( {$230.00} x 2 ) for which I did get the credit after reaching out to them last year as well. It was the exact same transactions, with the exact same airline and the exact same purchase for the seat upgrade and bagge. She created XXXX # XXXX and told that she mentioned about two transactions from XX/XX/XXXX too for reference of the representative who would look into this case. 
After again a week I received another letter that stated that transaction was not eligible for the credit since the transaction was part of the airline ticket and not separate. I called the customer service again today ( XX/XX/XXXX ) and the agent told me that he can not do anything since the case was already reviewed. When I asked him how did you assume that the transactions I am claiming were part of the original ticket and were not separate transactions to which the agent responded with no ownership saying " It's not me, it's the representative who reviewed your case has mentioned ''. I told him I have the proof from the airline which is the confirmation email of the seat upgrade package purchase for the transactions I am claiming for the credit that shows it was separate transactions not part of the ticket purchase. However, all they told me that they would put that on the case for the representative to review the case again but still did not ask me to share the proofs I have. I knew this is not going to be resolved based on my prior experience with BoFA and since I am planning to close this card because of all these issues, I want to get the credit before I do that and thus submitting this complaint. Hope you can help here.

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 2017-06-21
Company: SUNTRUST BANKS, INC.
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Over the course of the last few months I have been working with a housing counselor to modify my mortgage with Sun trust. Since then my loan modification has never been properly processed by the lender. Every time I try to submit documentation in a timely manner the process gets held up or is not reviewed within an ample time frame. I continue to call for updates to the file to no avail. Sometimes the excuse is that the proper forms were not submitted so again I review and send in whatever documentation they are requiring. After many attempts both by myself and with a housing counseling professional these issues continue to happen and the file gets either pushed back or denied due to issues of delivery. Sometimes they claim the file must be submitted either by pdf. format or by only XXXX pages total through the Suntrust loss mitigation email portal. I have tried every which way to submit accurate information in a timely manner only to hit a wall with the processing department and their lack of getting back to me in a way that can resolve the issues I 'm having. The forms I have submitted are accurate XXXX forms all pages and a third party authorizations as well were submitted. I have been dealing with the same problem for a very long time and I want to get some external help in resolving such detrimental issues. In addition to these setbacks the mortgage company also has changed the point of contact like XXXX to XXXX times over the course of the loss mitigation process. Also they been reluctant in the past to give me a better rate and term on the loan. The escrows have always been included in the payments and the overall values of the property have fluctuated immensely over the last couple of years yielding inaccurate information on property value. I have tried numerous times with failed attempts to try and resolve these issues with Suntrust bank. The interest rate has always stayed the same interest only and they have never tried to put me into a more fixed conventional loan that can get me into a better 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 2019-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
My Bank Of America credit card ending in XXXX had a fraudulent charge of {$110.00} at a XXXX has Station over 45 days ago. Bank of America has denied my claim citing that it was because the charge occurred in my " geographic region ''. 

Bank of America sent me a new credit card for XXXX before the fraud charge occurred because of merchant I used the card at Unfortunately I did not get a chance to activate the new card until after the fraudulent charge. 

I have spent 6 hours in total on the phone with the bank 's fraud department. They have now reopened my claim and keep giving me the run around. They will not even credit me the {$110.00} to my account while they investigate. 

I have submitted proof to the bank that I was in Key West, FL on the date of the fraudulent charge because I was using another Bank Of America credit card ending in XXXX. 

I have spoke with numerous supervisors including XXXX most recently. This is deeply disappointing because I have significant assets with the bank and have been a loyal customer for over 15 years.

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 2021-09-24
Company: Santander Consumer USA Holdings Inc.
State: MI
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: Problem with personal statement of dispute

Complaint:
I have filed a complaint with all credit bureaus regarding Santander USA including the cfpb. I have requested documentation stating that the Santander account was actually charged off and that proper Fair Credit Reporting rules were followed and I can not receive that information from the credit bureaus or Santander. Santander did not provide any of this information to the credit bureaus as well. I have had no way to dispute the statements made by Santander through any of the credit bureaus and I am just supposed to take the information given as is with no recourse. Santander also has evidence including verbal confirmation that is on a recorded line that they took for payments and put it at the end of my loan. Why would they put my loan in charge off status when I am still paying it? Why would they be allowed it to not have to notified me of charged-off debt is or provide me any documentation I requested regarding it? They provided none of this information to any of the credit bureaus and I have disputed this multiple times with the credit bureaus we have not thoroughly investigated these things or allowed me to dispute them. The CFPB has done a poor job at holding people accountable just as the credit bureaus have also done a poor job at holding people accountable. Santander USA needs to provide information I'm asking for and I have repeatedly asked for over the last two years. It needs to happen immediately. I want the four payments that were put at the end of the loan I'm very specific dates documented to all agencies. I want all documented evidence of letters sent to me that they followed fair credit reporting practices and notified me in writing by providing me copies of the letters. I have requested all of this information multiple times in writing and verbally and it is all documented. They illegally charged off my account. They are not following Fair Credit Reporting. Something needs to be done. I will keep filing complaints and pay nothing until I get what is required dent to me by law and issues corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: TCF NATIONAL BANK
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with TCF bank, I enrolled with 2 deposits. The only correspondence I received from them was an email stating my new debit card was on the way.

Today I went in to make another deposit, and they told me my account was frozen. Apparently I need an in-state ID to open an account, something I wasn't told when I initially opened my account and they took my deposits and information.

Because I'm visiting family, I don't have utility bills in my name, even though the check I wanted to deposit ( and the check I deposited earlier ) have my EXACT name and address. I guess that doesn't count.

I was treated extremely rudely by the teller at this bank, and also told I won't be able to withdraw my funds for almost 2 weeks, even though the bank decided to close my account!

There are no other flags with my name, or previous fraud or problems that would account for this behavior.

This has been a complete waste of my time and it seems unethical and illegal to keep my funds when TCF made the decision to close my account. Why was I allowed to open an account when these are your practices and you didn't disclose them from the beginning?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Nelnet, 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: Account information incorrect

Complaint:
I am on an Income Driven Repayment Plan with XXXX dollar payments every month but my credit report still shows that I have monthly payments and that's not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Experian Information Solutions Inc.
State: NC
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:
To whom it may concern : I have filed 3 disputes just this year with XXXX, and 2 disputes with XXXX and Experian, about XXXX XXXX XXXX. XXXX has not validated this account with me ; I have sent them 2 certified letters and 1 fax with no response so how could this account be validate with any of the credit bureaus. On XX/XX/XXXX I sent a fax to all 3 credit bureaus only to receive an XXXX response 10 days later stating that anything reported on my credit will stay 7-10 years. Then I sent a second letter to XXXX on XX/XX/XXXX on with the same response 10 days later. The fact that I received a response in 10 days after they received my letter and fax, one can assume that there was no investigation. I have not heard from XXXX or Experian and its well past the 30 period. I am submitting this complaint for XXXX due to lack of investigation into my original dispute and to XXXX and Experian for not responding within the 30 day time frame. This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.

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 2017-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
To whom it may concern : I have filed 3 disputes just this year with XXXX, and 2 disputes with Transunion and XXXX, about XXXX XXXX XXXX. XXXX has not validated this account with me ; I have sent them 2 certified letters and 1 fax with no response so how could this account be validate with any of the credit bureaus. On XX/XX/XXXX I sent a fax to all 3 credit bureaus only to receive an e-oscar response 10 days later stating that anything reported on my credit will stay 7-10 years. Then I sent a second letter to XXXX on XX/XX/XXXX on with the same response 10 days later. The fact that I received a response in 10 days after they received my letter and fax, one can assume that there was no investigation. I have not heard from Transunion or XXXX and its well past the 30 period. I am submitting this complaint for XXXX due to lack of investigation into my original dispute and to Transunion and XXXX for not responding within the 30 day time frame. This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.

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 2021-09-24
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
On XXXX of XXXX I contacted TJX Rewards Platinum Mastercard/Synchrony bank to see what could be done with my account due to my being affected by the pandemic. At the time I was offered by the representative to pay {$150.00} per month and that I would be able to settle my account when I was ready which I agreed to. I finally managed to save some money to start settling my debt and when I called the bank back on XXXX of XXXX to settle the debt the bank told me that due to my being enrolled in this payment plan I do not qualify to settle. I complained and began an investigation with the investigation department to verify what the representative and I had agreed to which took 30 days. After completing the investigation I am still being denied a settlement and no resolution is being offered by TJX Rewards Synchrony 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 2022-03-11
Company: JPMORGAN CHASE & CO.
State: PA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase from XXXX for a speaker for {$41.00}. This website is a scam website. I was charged via XXXX by a completely unrelated person. They provided a tracking number which delivered a package to an address not mine. I disputed with Chase. Chase sent me a letter stating that the package was delivered to my address because the scam merchant sent them the tracking number. XXXX confirms the package was not sent to my address or have anything referencing me. 

I contacted Chase about this. They said, Oh, well you can redispute it if you like. They could not answer why they sent me a letter saying this package was delivered to my address when XXXX confirms it was not. Chase did not do proper research in this issue. Chase needs to charge back this scam merchant and give me my {$41.00} back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-07
Company: AES/PHEAA
State: VA
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:
As of XX/XX/2022, I no longer have any student loan accounts with FedLoan Servicing. The balance should be reporting as -0- on my credit report. Their information is as follows : FEDLOAN SERVICING XXXX XXXXXXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX The total of all loans was {$140000.00} but should now be reporting -0-. They are reporting my loans incorrectly and this is hurting my credit score. Please investigate and remove from my credit report as soon as possible.

Company response to consumer: Closed with explanation