BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-14
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/2021 PAID OVERDRAFT ITEM FEE - {$100.00} - {$230.00} XXXX XXXX XXXX - {$4.00} - {$130.00} XXXX XXXX XXXX FI XXXX - {$2.00} - {$120.00} XXXX XXXX XXXX FI XXXX - {$7.00} - {$120.00} XXXX XXXX {$4.00} - {$110.00} XX/XX/2021 PAID OVERDRAFT ITEM FEE - {$36.00} - {$120.00} CHICK-FIL-A # XXXX XXXX - {$10.00} - {$85.00} XX/XX/2021 PAID OVERDRAFT ITEM FEE - {$36.00} - {$74.00} XXXX XXXX XXXX XXXX {$35.00} - {$38.00} XX/XX/2021 PAID OVERDRAFT ITEM FEE - {$36.00} - {$3.00} XX/XX/2021 PAID OVERDRAFT ITEM FEE - {$36.00} - {$3.00} XXXX XXXX XXXX XXXX {$110.00} {$32.00} The feature is supposed to allow you to keep track of every transaction that you spend so that you don't go into overdraft but 2 or 3 days my account will go into the negative even if I see it's not in the negative 2 or 3 days before. I've heard other customers have complained about this very same issue and it's misleading. If it's an issue for your customers why not change the app? Instead REGIONS BANK changed it reversal of overdraft fees policy at the beginning of this year according to the representative I spoke with on XX/XX/2021. I, as a banker wasn't made aware of these policy changes ... unless I missed the correspondence in the mail. The policy changed but not the app ... .that 's questionable??

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 2023-03-18
Company: CITIBANK, N.A.
State: TX
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:
In accordance to the fair credit reporting Act XXXX Account # XXXX has violated my rights. 

15 USC Section 602 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

15 USC Section 604a In accordance with the written instructions of the consumer to whom it relates.

15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2020-03-19
Company: Experian Information Solutions Inc.
State: AR
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I saw a couple of items that were opened on my name. These items are not mine. Please remove them 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 non-monetary relief
Consumer complaint received 2020-03-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2015-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Billing statement

Complaint:
Bank of America emailed me an eroneous bill. They have admitted to the mistake but can not explain it. I told them this was illegal. You can not be sending out eroneous bills and hoping that people pay them without looking. On XXXX XXXX I received an email saying that I owed them {$53.00} due on XXXX XXXX. I knew this was incorrect because I had just scheduled my payment of {$28.00} to be paid on XXXX XXXX. I XXXX checked and I was correct. 

I went online to chat with a B of A rep who could not explain what happened. He said a Manager would call me back on Monday. No one called. I chatted again on Tuesday night and the rep just told me to call the XXXX number which I hate doing because I know there will be a long wait. I called the XXXX number and explained everything again to a rep who was researching it then mysteriously I was transferred to another person. Now we are a XXXX into the XXXX attempt at a resolution. I get a manager on the line named XXXX who I had to tell the story again to. After XXXX minutes of him not really making any progress I told him to call me back the next day with an explaination and I wanted a written apology. He called the next night but I missed his call. His message said he would call back in an hour and that he could not give me a call back number. He has never called me back. 
Are n't banks suppose to be fined for these types of errors. If I had been a senior citizen who was not on the ball I may have gone on line and paid the eroneous bill. Something needs to be done.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: Arbor Residential Mortgage LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage was transferred from XXXX XXXX XXXX to Seneca Mortgage Servicing. While at XXXX XXXX XXXX, I was approved for a HAFA short sale and ready to close. I have the closing package as well as the approvals. As of today, I still have cash buyer ready to purchase. I also have a hard equity lender willing to do a short payoff refinance. The short sale did n't close out previously because title could not be cleared due to liens filed with the municipality and an erroneous blanket wild mortgage filed on every parcel on my block by a different lender. 
I have been trying to resolve my foreclosure through a modification, short payoff or short sale, but I have not been able to reach anyone at this company for the past 3 months. I tried to register online and to no avail. I sent a signed authorization in order to have third parties discuss my case, but I have n't had a response. I am currently in bankruptcy and my attorney sent authorization so I can apply for a loss mitigation workout solution directly with Seneca Mortgage Servicing. I sent this authorization to both Seneca 's fax number and email address. I really need assistance. I was faced with a series of medical emergencies that forced this hardship, but I am aggressively trying to resolve this matter. A foreclosure would impact my current employment and prevent me from working as a contracted employee. It would also hinder my return to school. Please help, please help me get a single point of contact to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: JPMORGAN CHASE & CO.
State: NY
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 ordered a part from XXXX. They sent me some unknown part I did not order. I returned the part, paying for the shipment myself. They are refusing to refund my money after receiving the unknown part. The part was ordered using my Chase Amazon Visa XXXX card. Chase is also refusing to take the charge off my account. I am without a product and without my {$240.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
During my time with XXXX my bill was normal in the beginning and it steadily started to increase. By XXXX of 2020 my bill was approximately {$820.00} with {$170.00} in unauthorized data boost charges. By XXXX the bill total was {$630.00} with an additional {$380.00} in, again, unauthorized data boost. XXXX bill was {$1000.00} with {$350.00} in data boost. XXXX bill was {$1100.00} with {$330.00} in data boost. XXXX bill was {$1500.00} with {$350.00} in data boost. XXXX bill was {$1100.00} with {$800.00} in data boost. XXXX had a bill total of {$1900.00} with {$380.00}. XXXX bill was {$1800.00} with no data boost and that is when I closed my XXXX account. Now, the final amount has risen to {$2400.00}. These data boost make up more than half of the amount owed. These data boost were unauthorized charges on my account and I received no documentation about these until they appeared on my bill every month. I called XXXX multiple times a month about these data boost charges and not once were they able to help me or even remotely fix the issue. I have copies of my bills as needed and every email I received from XXXX. XXXX carelessly took large amounts of money from me and are now trying to take even more.

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 2016-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Bank of America had our mortgage when I lived at XXXX MI XXXX. Bank of America was fined by the USA for unfair mortgage practices. The United States government had to decide whether to bail them out or shut them down. The government bailed them out because their unfair mortgage practices ended up with thousands of unfair forclosures. Bank of America sent me a settlement check for the unfair mortgage issue on that house. I had already moved to XXXX XXXX, XXXX XXXX XXXX, MI XXXX. That is where Bank of America mailed the check to. The city of XXXX MI had bought the house at XXXX , MI XXXX from Bank of America . Then the city of XXXX sold the house.

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 2022-10-02
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I'm not sure what they are trying to do but they have a grudge and they are reporting illegally, incorrectly, and falsely. My account went delinquent 4 years ago. They are reporting to all 3 credit bureaus as recent delinquency as of right now. It is not recent delinquency it is 4 years old and should not be reporting as a recent delinquency. I want it to report correctly and accurate that it's not a recent delinquency and is 4 years old.

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 2016-06-21
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Payoff process

Complaint:
XXXX, as a part of it 's XXXX transition, is closing my XXXX account, which is fine. Unfortunately, my last statement has a due date of XXXX XXXX but when I attempted to use their mobile app to pay my bill ( as I 've always done ), I can no longer log in. Now trying from a computer, I can not use their online system ( computer or mobile ) to make a payment either. They have deactivated my account profile, blocking my ability to make an electronic payment as I always have in the past. 

I then attempted to pay by phone, but the phone system says this is no longer an option either. 

My paper statement says I can pay by computer or pay by phone, yet when I try either method, XXXX is not permitting me to continue. I would simply mail a check, but I happen to be out of checks. Because XXXX is blocking my account from phone/web payments, despite what their statement says, I now have to go through many steps to avoid being delinquent. 

This is a rough transition and I am likely not alone in this situation.

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 2020-03-28
Company: LEXISNEXIS
State: OH
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:
My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have live here for ove 10 years.The following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2017-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Transunion deleted The XXXX of my credit report in XX/XX/2016. then put it back on my report under a new name XXXX. I would like this delete once and for all this is not my account under know name.

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: TX
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: Was not notified of investigation status or results

Complaint:
I have contacted Experian-NCAC several times at all their associated XXXX XXXX XXXX, XXXX, XXXX. They are still stating that several items that are on my Credit Report are mine when I have sent both XXXX & XXXX XXXX XXXX results to them asking why they found errors and Experian-NCAC did not. Experian-NCAC constantly sends me letters stating they will not reinvestigate the derogatory items without relevant proof. I have provided many copies to Experian-NCAC and they are still my lowest score, reporting accounts that are not mine. This is very frustrating especially when I am literally handing them the proof.

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: Lending Club Corp
State: NY
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 called customer service about erroneous reporting on credit report, XXXX 2020. I'm listed as being 60 days late of this account. This is not true. All payments were done as scheduled

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have been a victim of identity theft and have filed reports with local law enforcement as well as the FTC. In relation to this identity theft, I have submitted fraud claims with Bank of America for unauthorized funds that were taken from my business accounts. Bank of America has refused to honor these claims in light of the aforementioned identity theft, even though the funds are FDIC insured.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: Experian Information Solutions Inc.
State: AR
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I saw 2 unknown accounts opened on my name. These suspicious items are not mine. Please remove them from my 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 2020-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I saw 2 unknown accounts opened on my name. These suspicious items are not mine. Please remove them from my 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 2020-03-19
Company: Experian Information Solutions Inc.
State: AL
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:
EXPERIAN, IS STILL SHOWING A BANKRUPTCY THAT THEY STATED WAS VERIFIED WITH XXXX XXXX, I CONTACTED XXXX XXXX AND THE STATED THAT THE DO NOT HAVE A BANKRUPTCY # XXXX SHOWING ON MY FILE, THEY MAILED ME THE RESULTS. 
I HAVE MAILED AND SUBMITTED ELECTRONICALLY TO EXPERIAN AND THEY HAVE NOT REMOVED THE INACCURATE BANKRUPTCY ON MY CREDIT REPORT, THIS IN ACCURATE REPORTING HAS HURT MY CREDIT SCORE!!! I HAVE NOT BEEN ABLE TO GET GREAT RATES OR OPEN UP ACCOUNTS BECAUSE OF THE BANKRUPTCY ON MY CREDIT REPORT. 
XXXX XXXX AND CREDIT ACCEPTANCE NEEDS TO BE REMOVED AS WELL, I HAVE BEEN A VICTIM OF IDENTITY THEFT AND HAVE NOT HAD THESE 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 2017-03-01
Company: Navient Solutions, LLC.
State: MN
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 would like to submit a complaint reference to Navient student loan lender ( Navient Solutions XXXX Inc ) - After XXXX plus years of repaying the loan, I feel I have been deceived by the financial institutions with excessive interest and fees. The loan balance continues to rise at an alarming rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company has never submitted any definite proof that this debt was mine and have had plenty of time to do so. They need to remove all their information from my credit report. My information has been stolen so nothing less than a signed contract will be accepted.

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 2017-03-21
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I received a Collection notice from XXXX. I got insurance back in XXXX, however I decided not to keep the insurance. In the process of this. I got a letter stated that I need to send back a item that I was not aware of. I believe it 's a divine that goes in the vehicle. However I never received it and XXXX can also see that I never even activated this device. I emailed letting them know I do n't have the device they claim I owe them money for it. I 'm comfused. How can they make me pay for something I did n't receive. No tracking number or number. Nothing to prove hat I receive it, I 'm assuming that they are he only ones who can be right in situation. It 's not far that they torture me and also send me to collection for something I do n't have nor can they prove it. Items get lost in the mail or stolen all the time. I 'm the victim and they are threatening to send me to collection and affect my credit reporXXXX dollars. It 's not far and I need to seek justice for this. This company is manipulating and billing me into something I do t have. Is it because I decided to go with another insurance .Its not far and I feel so upset and afraid what trey are trying to do to me. I would have preferdnif we went to court and I know they would have had to prove tahat I received and and use the device. I did n't and please help me in this situation. I 'm going to call the police department also and file a harassing and frivolous in this company and also companies involved

Company response to consumer: Closed with explanation