BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-28
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX order placed XX/XX/22 in the amount of {$1300.00}. Money was taken from the account. Merchant missed 3 separate promised timelines to ship. I advised the merchant to cancel. Merchant wouldnt answer or return any of my phone calls. I called twice a day every day. I sent multiple messages to cancel. I filed a complaint with the XXXX XXXX XXXX Company advised at that time on XX/XX/22 that the charge would be refunded within 5 business days. The refund was never issued. On XX/XX/22, a package arrived from the company. It included items not ordered. I again continued to send messages and call for a return label. The company would not respond. This company has multiple complaints for the same situation online, with the XXXX, and they are currently being investigated by the XXXX XXXX Sheriffs Dept in XXXX, Texas. They operate under multiple company names including but not limited to XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX The bank denied my billing dispute and will not help me get my money back. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: EQUIFAX, INC.
State: NV
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:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I will need to send you the information because it takes place over several years and will not fit in this space. Happy to provide it, just not enough room here. Thanks.

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 2022-10-28
Company: Synovus Bank
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: Account status incorrect

Complaint:
First Progress credit card has shared information with XXXX, XXXX, and XXXX of XXXX late payment dated XX/XX/2021. This one late payment has been reported incorrectly and has been a hinder in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I filed a complaint with American Express and it seems that they have overlooked my issue and concern and have not fully investigated my problem. 
american express claims that since the merchant allegedly try to contact me that the issue could have been resolved however indicated to them that no one has contacted me other then to purchase more items at a higher quality. American Express seems to be taking the side of the other party without fully taking into consideration of what I have endure by making a purchase using their American Express protection plan. It seems as if they do n't want to hear my side of the situation and it is making me feel like I am being discriminated against. I have lost money due to purchasing this product and no one has addressed that issue. American Express has also failed to fully investigate the faulty items I received and solely sided with the other party because they claim the other party has offered to replace the item with a similar item. With all due respect if the item I purchased was damaged why would I want to buy the very same item again? I would rather take my business elsewhere. Furthermore I have several of the items which are faulty in my possession. 

Thank you for your time and attentionPlease see below in that American Express failed to respond to the Better Business Bureau with regards to my matter. 

Complaint ID # : XXXXBusiness Name : American Express Financial AdvisorsThe XXXX has made several attempts to contact the business regarding the above referenced complaint. We regret to inform you that we have not received a response from the company. 

The XXXX develops and maintains Reliability Reports on companies in our service area. This information is available to the public and is frequently used by potential customers. In the case of your complaint, the company 's failure to promptly give attention to the matter will be reflected in the report we give to consumers about them. 

If the company has contacted you in the interim, please notify the XXXX immediately at the address or e-mail provided below. DO NOT RESPOND DIRECTLY TO THIS E-MAIL, AS IT WILL NOT BE RECEIVED BY THE XXXX. 


Sincerely, XXXX XXXXDispute Resolution SpecialistXXXX Complaint XXXXXXXXXXXXXXXX Serving Western XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10
Company: Capio Partners, LLC
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Multiple calls and now a mailed invoice from Capio Partners LLC that claim I owe the XXXX XXXX XXXX a {$50.00} co-pay. I do not have a {$50.00} copay with the Clinic any copay I have is in the amount of {$35.00}. I called billing at the clinic and was told I owe nothing. I want Capio LLC to quit harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28
Company: JPMORGAN CHASE & CO.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Attempted to open a Chase Total Checking account myself, as well as my father ( who has incredible credit ) he attempted to open one on my behalf to later add me as a joint user both of us were denied. 

I need checks but was only able to open a Chase Secure Banking account which does not offer checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: TN
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:
A XXXX XXXX XXXX card was fraudulently opened without my knowing on XX/XX/2022. This credit card account has negatively affected my credit score.

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 2015-05-24
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I disputed the invalidated, inaccurate information with XXXX regarding the negative account and the information that this company continuously report on my credit file. I have sent them a certified letter requesting validation of this debt/information once I was aware of what they were reporting and the negative, inaccurate information. These accounts was paid by insurance before collections and they continuously state that it is not. I contacted the original creditor and they also do n't know what exactly this credit agency is trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: Kohn Law Firm S.C.
State: KS
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Kohn Law Firm and XXXX XXXX are debt collectors who are attempting to collect a false debt against the consumer. Kohns have been served a Notice of Dispute and failed to comply with any of the FDCPA mandates. ( see, attached )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18
Company: Netspend Corporation
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was on phone with them for hours on call wait to unlock my account they have messed up my payment hella times an even found that they did I go to fix it an get locked out then they just close my account then give me my moneyed own an no text no email nothing saying other closed like the XXXX worst bank ever

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 2022-10-28
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I made a payment via cashier 's check of {$15000.00} to purchase a vehicle I was leasing through Nissan Motor Acceptance Corporation. They cashed my check on XX/XX/22 but they are still trying to figure out where the funds are internally. They can not release title or stop my account from needing monthly payments because my lease has reached " maturity '' without finding these funds. I need to make a payment tomorrow XX/XX/22 or if not they will report it to my credit report because it is going to be the " second '' payment missed even though they have cashed my check. They basically can not do anything for me until they figure out where they sent my funds internally which is not my problem. I have been calling them constantly to figure this issue. My check shows it was cashed by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: FL
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
TD Bank is where I have my checking account for my small business. 
The nature of this complaint is that TD Bank has deceptive online accounting processes that purposely inflate your actual " Available Balance '' which allows XXXX to over-write checks or over-make online bill-payments or over-withdraw from ATMs which then encourage you to dip below their monthly minimum balance of {$1500.00} to avoid paying a $ XXXXmonth fee if you EVER ( even for 1 minute ) dip below a balance of {$1500.00}. The gist of the issue is the following : Your main " Available Balance '' is always higher than it actually is if you use their online Bill Pay system which is outsourced to a 3rd party vendor. Why is this? Because when you make an online Bill Pay, they do not immediately debit your account for that amount for 5 days! Yes, 5 days! Why it is not instant is beyond me. Even if the funds are n't debited, your " Available Balance '' should reflect all of your online Bill Payments in real-time or at least within hours. To lag 5 days encourages you to always see that you have more money in your " Available Balance '' than you do. The net effect of this is that I have often dipped below my {$1500.00} minimum balance and been charged a $ XXXXmonth fee for doing so. The fee is charged whenever - even for a minute - your balance dips below {$1500.00}. Well if the online messaging shows " Available Balance '' AND shows that your Bill Pay status is PAID, XXXX would think that your " Available Balance '' amount would be accurate. Yet, each online Bill Payment has a 5 day lag. I have notified TD Bank of this sleazy accounting and they have done nothing. 

I have uploaded 3 screenshots with a date and time on the first XXXX. 
1 ) The first screenshot shows my available balance of {$4500.00}. It also shows no mention or accounting for a {$1000.00} payment to XXXX on XXXX/XXXX/2017. 
2 ) The second screenshot shows NO PENDING PAYMENTS of any kind within my Bill Pay section of their system. 
3 ) The third screenshot shows that my XXXX {$1000.00} payment ( made on XXXX/XXXX/2017 ) status is PAID, but wo n't be delivered for 5 days! This amount is NOT reflected in my " Available Balance '' for 5 days. This goes for every bill pay I make. So the more online Bill Pays you make, the more often you risk over-withdrawing, over-check-writing, or over-bill-paying and dipping below the monthly minimum balance of {$1500.00} needed to avoid a monthly fee of {$25.00}. So the more you transact, the more chances you have of dipping below {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I called capital one about some fraud charges that were made to my account, in the amount of XXXX XXXX they did there job in issuing a new card and helping me initiate the claim, after 8 days of waiting and waiting I called again to check status of claim, still was in review and capital one said 3 of the 7 charges were already approved, today I get a email that my claim was denied. And the only reason stated was we did not find no errors, when I'm a client and I'm reaching out to report these transactions how is it capital one found no errors, don't make sense. My claim was denied and the theifs took of with almost my whole paycheck, capital one did not even bother to temporary credit my account while they did investigation, and now I get a denial notice. I'm reaching out to the consumer protection department here, to see if they have any way to try to help me get my money back from capital one. Capital one is a big bank and can bear a lost like this me and my family are struggling to meet ends meet, and can not take a bear like this, so please reconsider my claim. When I opened capital one bank my money should have been safe and not stolen from me, banks need to understand the difficulties we are facing and how much these acts are affecting its customers. Thank you and hope to hear from you soon. Or Capital One Bank. 
Transactions amounts and dates : 1. {$190.00} - XXXX XXXX, 2022 2. {$120.00} - XXXX XXXX, 2022 3. {$21.00} - XXXX XXXX, 2022 4. {$45.00} XXXX XXXX, 2022 5. {$67.00} XXXX XXXX, 2022 6. {$19.00} XXXX XXXX, 2022 7. {$10.00} XXXX XXXX, 2022 Total was {$490.00} Claim number is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Trident Asset Management, L.L.C.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a letter via certified mail in XX/XX/2020 requesting a signed contract between myself and Trident Access Management. They responded by sending a letter saying that the debt had been purchased by XXXX XXXX XXXX and that they were just the ones reporting it to my credit. They have yet to provide any signed contract of proof that I owe them or XXXX XXXX XXXX. The contract that was sent shows I only have a signed contract with the XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am lodging a complaint against Midland Funding LLC XXXX XXXX, and XXXX as they are motioning for wage execution for a debt that I do not owe. I have explained to them that the debt was not mine, and they have not presented evidence to counter that. I have written to the court to dispute this, and they are still attempting to go forth with the motion despite my insistence on the fact that I did not make whatever purchases they are accusing me of, and are attempting to collect my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had matched with someone on XXXX ( XXXX dating app ) they had mentioned some inheritance money that they needed to transfer and move and i said no to begin with. we talked for another month or two before i gave in and said i would let them use my bank account to transfer funds where they needed to go with the hope that i could make a quick buck. I unfortunately gave my banking information to them as the girl said the lawyer needed it to make sure that i do not take all the money and leave so i obliged. The first half of the inheritance money came into the account around XX/XX/XXXX and was transferred out over a few days without any hiccups for a total of $ XXXX that was transferred out through XXXX with bank of america XXXX Three weeks later the second half of the money was to be deposited however due to a fraudulent check noticed by bank of America they had stopped and froze my accounts and are still in the process of closing my accounts for the date is XX/XX/XXXX when they will close my accounts. I have since cut off all communications with this person and i have screenshots of the girl and her lawyer trying to get me to give out my new banking information as they 'wanted to make things right ' because i was now in debt to bank of america for the initial {$9800.00} that came into and was transferred out of my account using XXXX  XXXX the 'lawyer ' i spoke with was wanting information that did not need to be given in order to send me the money to my new bank account in order to pay off the debt i now had with bank of america however i did not give out any information and have since filed a police report with the local north port police with the hopes to get the negative account balance corrected and for me to get the remainder of my funds back from bank of america , a total of {$3400.00}. throughout this whole endeavor none of my money was touched or moved however i now have that {$9800.00} negative balance that i am trying to get corrected as bank of america can not help or reverse this due to the fact that 'the transactions and security codes used were from a known device '

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 2017-02-02
Company: GREAT LAKES
State: CA
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I have been notified that Great Lakes Borrower has been abusing my payment loan plan, by charging me more than they should.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Credit card
Issue: Billing statement

Complaint:
USAA Banking has violated the terms of my credit card agreement with me by refusing to carry forward a balance on their " pay-ahead '' program. I paid {$1400.00} on my account, and it should have been carried forward to count against a minimum payment on my most recent statement. 

Here is the text of the portion of the terms of my credit card account : " Pay-Ahead Program : The Minimum Payment as calculated above is your Regular Minimum Payment. If your Account is eligible for our Pay-Ahead Program and is in good standing, when you pay more than the Regular Minimum Payment, we may, at our option, permit you to skip some or all of your next two Regular Minimum Payments. When this occurs, we continue to calculate your Regular Minimum Payment, however the amount of the minimum payment due displayed on the first page of your bill, on usaa.com, and on our phone systems is reduced by the amount you may skip. The full Regular Minimum Payment amount is always shown in the Important Account Information section of your bill. Remember Finance Charges will continue to accrue in accordance with the Terms of this Agreement. You may opt out of the Pay-Ahead Program at any time by calling us at XXXX ( XXXX ). ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Enclosed document details dates and amounts of phone payments stolen. Account is frozen now due to the fraudulent transactions. Account holder in hospital XXXX thru XXXX, XXXX thru XXXX and placed in XXXX XXXX, XXXX XXXX. We began seeking a health POA in XXXX of 2022. When the doctor 's letter stating that she needed to have assistance with a POA matters, was finally received in XXXX, Chase refused to allow access to the account. Account holder passed XXXX but never prior to these transactions, was a phone payment method used. Account should have been flagged and frozen months before it was. Even after being notified of the fraud, Chase  did not freeze the account, and it went into overdraft after another transaction happened. These are some of the extenuating circumstances that cause us to seek a reasonable resolution of this matter.

Company response to consumer: Closed with explanation