BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-15
Company: JPMORGAN CHASE & CO.
State: MN
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:
I received my first bill from Chase in XX/XX/XXXX and I didn't recognize the charges. I called them and filed a dispute. I went through the process of disputing the charges and was denied. I explained that I had not even opened this card myself and that I was going through a divorce and I believed my ex opened the card and made the purchase. I learned a few weeks later that my ex opened 5 credit cards under my name. I had to call each credit card company and cancel them and filed a dispute. ONLY CHASE gave me a hard time. Every other credit card company filed a fraud case and cancelled the cared. However, CHASE kept sending me a bill plus late charges. For each month for an entire year and a half, I called Chase to dispute the bill and would go through the same process of filing the dispute. Each month when I called, the customer service rep would be very apologetic and assured me that the dispute would be respected and that this case would be closed. But, I continued to receive a new bill with new late charges and no explanation of what the initial bill was for. The initial bill was {$85.00}. Each month, the bill accumulated late charges -- and now today the bill exceeds {$400.00}. I kept calling each month asking Chase to break down the bill for me and tell me what the initial purchase was and how it got to this amount. I kept getting told that a manager would have to call me because even the customer service representative couldn't figure out the bill. Today is XX/XX/XXXX and I have yet to receive a call or explanation -- it's been over a year and a half. I am not responsible for the initial purchase nor this massive bill that has accumulated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XXXX  and transunion won't give credit report online, but  XXXX  did.

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 2021-11-15
Company: SYNCHRONY FINANCIAL
State: NY
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid {$800.00} on my credit card and the company has cashed the check but did not post to my account and keep hanging up on me or acting like they can't hear me. Have set up 2 appointments for them to call me and they say they called but they never have

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2020, PNC Bank withdrew {$3400.00} from my checking account for an on line banking transaction to pay XXXX XXXX XXXX XXXX for my Credit Card bill. PNC sent the payment, a check, to in the incorrect address and XXXX XXXX, not XXXX XXXX XXXX XXXX, cashed the check. I called XXXX XXXX XXXX XXXX after I received an email from them stating that they had not received my Credit Card payment. I had to transfer {$3400.00} from my XXXX Savings Account to pay the bill. 
I then called PNC and they stated that there was nothing they could do and I had to submit a fraud complaint and they would investigate. 
I had to submit a complaint after I had it notorized and then called PNC a week later. 
PNC informed me that it could take up to 120 days to resolve this issue. 
PNC sent the payment to the incorrect address and I have to wait up to 5 months to get my money back? This is total XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I pulled my credit score through my XXXX card ( it was a feature they allow with their online services ). I noticed my credit score dropped XXXX XXXX points from around XXXX to around between XXXX & XXXX. I got worried and pulled my free credit report through XXXX and found out that my HELOC with Bank of America was reporting 60 days past due from XXXX and XXXX. I have always had stellar credit and had a few VERY SMALL medical collections show up through the years is all ( which by the way, medical collectors are notorious for reporting collections to your report immediately and should have to follow the same rules as banks since it is all financially related ). My ex-husband and I divorced back in XXXX of XXXX and I asked for Bank or America over the phone to add my mailing address to the mortgage account as well so I would be notified of any late pays prior to them reporting to my credit report to make sure there was nothing ever reported since my ex-husband was responsible for the monthly payment on this account. Well, I just found out they reported my information to the credit bureau and I was never notified so when I pulled my credit report I was shocked to find 60 days past due on my MORTGAGE! When I contacted Bank of America on XXXX XXXX, XXXX ; I spoke with XXXX, and was told Bank of America 's software can only take XXXX mailing address for them to mail anything to ; therefore, any co-borrower or guarantor or any other party to a loan will never receive notice of late pays. My ex-husband and I do not live together so any mail sent to the primary address will NEVER make it to me ; therefore, I was not properly notified of any late pays and was not notified prior to any adversity reported on my credit report. At this point, I am looking to sell my house, but I will now not qualify for a mortgage loan with a prime rate because there are late pays reported to my credit. Had I been notified, I would have made sure the payments were made on 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 2015-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Already submitted XXXX complaint about harassing phone call from Bank of America. I also complained about them hanging annoying notes on my front door, and even specified no one from BofA is allowed on my private property. Last week sometime ( XXXX XXXX, 2015 ) someone form BofA hung another note on my front door, which means they are tresspassing! The next time I catch anyone on my property, I will physically remove them from my property and call the Police. Like I said the last complaint, Im not behind on any loan, and I DO NOT want any type of refinanance ( or other ) BofA has to offer ... PERIOD!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX 2015, I opened a bank of america checking and savings account after finding a promotion online that offered {$500.00} for customers a ) opening a checking account and savings account with the bank b ) generating deposits of {$20000.00} and c ) setting up direct deposit within the first 2 months. The promotion promised a {$500.00} credit to be received to the checking account within the first 90 days. 

After opening the account, I called within the first 30 days and was told the credit would be received shortly. After 60 days, I was again assured that the credit would be received, but within 90 days. After 90 days, when I called I was finally told that I was not a targeted customer and would not be receiving this credit, however the complaint would be escalated. After the complaint was escalated, I was told I would hear back from Bank of America. After not hearing back, I called again and was told they would re-escalate the complaint, but promised I would hear back within 2 weeks, but could expect a response in 2 business days. Another 3 weeks went past and I did not hear back from Bank of America. I called them today XXXX/XXXX/2015 and was told that the escalated complaint had been rejected but was not provided with a rationale for why I was not contacted. 

Not only did the bank refuse to honor their promotion, they were deceitful twice to me when I waited the promised credit. During the first 90 day wait period, I was assured twice that I would be receiving the credit. It was not until the 90-day lapse period ended that I was informed I would not be receiving the promised credit. After the re-escalation process, I was promised to be contacted with the results, I was not and I was given no explanation for why I was never contacted - it appeared they were hoping I would simply forget about the issue. Their rationale for not honoring the credit was that I was not a targeted customer, which I do not recall from the promotion ( I read all fine print ). I have attached a sample of the promotion I found online, ( this includes the details of the promotion I used, I am not 100 % sure this is the direct link I applied for my account though ), there is no mention of a targeted customer. Keep in mind that the promotion was visible to any person by a simple internet search - so by definition, every person that ran a search was targeted. Again, this rationale was also not provided to me until 90 days after I had set up an account with above the minimum required {$20000.00} and also set up my direct deposit service. I am in disbelief and anger that an institution could be so blatantly deceitful in their banking processes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: Navient Solutions, LLC.
State: RI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I received a loan ( at the time I did n't know it was a loan, I was told it was a grant ) for XXXX. The loan was from XXXX which is now Navient. When Navient kept contacting me as they still do, they just kept telling me to put the loan into foreberance to stop it from going into collections. They had the monthly payment at a set amount but never explained that I could lower the amount to accommodate what I can afford. I also did n't know the amount would keep going up while in forbearance, making it impossible for me to pay at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
After graduating from school I was faced with student loan repayment. I was never able to afford the payments and made that clear each time I was contacted by ( then XXXX ) Navient. Eventually I was offered a " low interest '' option, but had to agree to make payments each month for 15 months. I did this for 2 years straight, without missing a single payment. At the time of my financial review to reassess my payment amounts, the representative I was working with did n't delete my previous payments before setting up my new payments. This caused me to pay double each month for a few months. I called and spent hours ( which included hours I should have been working ) on the phone with representatives trying to reach a resolution. Eventually I was refunded the overpayment, but never refunded for bank fees. Fast forward to the end of 2014, I lost my job and called Navient to notify them. I was told ( and I always quote ), " There 's nothing we can do. You still have to pay ''. I was harassed by phone on a daily basis, from XXXX to XXXX Monday through Saturday. They called my mom, my brother, my old job that I specifically told them I no longer had. They argued with the person who answered their call, stating that she was lying about me no longer working there. They also revealed that they were debt collectors when leaving a message with my old coworker. Presently, I do n't know who owns my loan, as they 've sold it at least twice. It is an overwhelming feeling of despair and frustration, hopelessness and guilt. Every student I 've ever spoken to who has a loan through SallieMae/Navient has encountered similar negative experiences, some far worse than mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Experian Information Solutions Inc.
State: VA
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:
I have been sending dispute letters asking for these egregious accounts from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX Bank-XXXX  to be removed from my report as they have not provide the original credit agreement or original contract I supposedly signed for these supposed debts.

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 2020-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I discovered TransUnion was charging me $ XXXX/mo for credit monitoring. I have never received a statement or receipt for these charges, they just showed up on my credit card statement. When I try to log into the account to cancel, I am unable to access log in. When I call to try to get someone to help, I can not get a person on the phone. When I tried to get help via email, they told me to send my social security number over an unsecured email line, which I do not feel comfortable doing. There is no live person help, you can only send them an email, which they ask for sensitive personal information that should not be given over email. 
I was charged on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX {$24.00} each time. 
I would like for someone from Transunion to call me to cancel this service.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I submitted numerous complaints in regards to Bank of America. I sumitted numerous documents demonstrating that I was not the party that applied for a credit card with this organization. I had no knowledge of this debt. The address that I found out was on the application after submitting my complaint, it is an address that I have not resided at in approximately 20 years. I have provided Bank of America that information. I have provided my mortgage document from XXXX to show where I resided and it had my signature to show it was different signature from the application. Then I inquired why Bank of America did not contact me prior to verify if I was applying for a credit card as I have a fraud alert on my credit report. Then they claim they did and the phone number they stated was never my phone number. Then they stated something in reference to XXXX XXXX, I have provided a letter which XXXX XXXX determined this to be a fraudulent account after their investigation. Then Bank of America states about payments, I never wrote any checks or authorized any debits to my account. I keep informing this company XXXX or XXXX when they authorized this card, I had my spouse and son battling XXXX this was my focal point, I never opened or knew anything in regards to this card until after they unfortunately passed and discovered this debt on my credit reports. I tried to correspond with XXXX who was the last party I corredponded with, she did not respond to my emails or calls. Which I emailed this XXXX letter to XXXX as well. I indicated that I attached the XXXX letter as that was mentioned and I provided the letter to show the account was also a fraudulent account and XXXX determined that after their investigation in XXXX. Bank of America submitted this fraudulent debt to IRS as a charge off and I am being held liable for a debt in which I had no affiliation with. I briefly spoke with an attorney who advised me to submit the letter from XXXX to see if the organization will release liability. If Bank of America will not release me of liability when I have proven over and over with documentation that I did n't apply for this card, I have to seek legal represent. I ca n't continue to go through this and be held for a debt in which I am not liable for. I would n't continue to go through this back and forth if I were n't being honest.

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 2020-04-15
Company: Unifin Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a debt that was for XXXX, and it was paid to UNIFIN. I was told by the representative on the phone the debt would be reported to the credit bureau within 30 days, as I wanted to be sure it was reported. I am a single mother trying to pay off my debts to get a home for my son and I, and this was very important to me. 30 days passes, and it was not showing on my credit report. I called back, and another rep told me it should show soon. 60 days passes. I eventually received another bill in the mail showing an oustanding balance, and I was very upset. I called and was told this was inaccurate and that the bill was already paid. When I asked why it had not been reflected on my credit report yet a lady named XXXX ( I believe? ) said " sorry, this account isn't reported to the creditors. '' I called XXXX, XXXX XXXX, Unifin -- - no one cares that it has not been reported to the creditors, although when I called Unifin and e-mailed in response to their receipt showing my payment I was told twice before it would be reported. There should be recordings of this since they always say " this call is being monitored '' .... yet no one can seem to pull up a recording when I ask them to, as that will prove what I am saying is true. This is not right. 

I reported to the XXXX, and the company still contested it saying the account is not reported to creditors. Why did two different reps tell me twice it would be reported- just to get my money? I still show a derogatory account on my credit report to XXXX. I even mailed XXXX a letter, and they were no help. THIS HAS BEEN PAID!!!!!!! I have the receipt where I paid the settled balance Unifin offered in full with my debit card on XX/XX/2020. Had I known this would happen, I would have required it be put in writing that it would be reported to the creditors. I took the reps for their word. 

This is so unethical, and I have done every possible thing I can to hold them accountable to what I was promised. Something as simple as reporting my account was paid in full for the settled balance -- to eliminate it showing as derogatory, because I did my part of paying my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
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: Information belongs to someone else

Complaint:
These accounts still appear on my credit report that are part of my identity theft case.

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 2016-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
I was told by the bank I needed to be 90 days delinquent to modify my mortgage and my line of credit. I stopped paying both loans in XXXX XXXX. The property is worth XXXX and I owe XXXX. After speaking with an attorney we decided we needed modification. Bank of America did not provide me with corrected XXXX until 5 months ( XXXX/XXXX/XXXX ) into my delinquency. They provided a printed form with the wrong address on it which the IRS would not accept. I returned the correct form the same day I received it. They started writing off my loans less than 30 days later.

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