BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On or about XXXX XXXX, 2015, I received a call from someone identifying himself as being from the Bank of America fraud investigation department, inquiring about some " suspicious '' charges to my account. He asked if I had used my debit card in California or knew anyone there, or if anyone else had access to my banking credentials. I told him that I did n't know anyone in California and did n't believe anyone had access to my account, but that it was possible my father did XXXX I later confirmed that he did not ). I then clarified to say my father had my account and routing number to facilitate transfers into my account. He said there were some suspicious charges on my account and that he " did n't like my answers '' and because of that, he was immediately closing my account. When I asked why, he replied " I do n't have to give you a reason ''. That was it. 
On XXXX XXXX, I went to the local BoA branch to try to find out what happened. They printed out a list of all of my activity from the previous three months. I noted that there were XXXX transactions in the amount of either {$1.00} or {$1.00}, all occurring on XXXX XXXX. They were all clearly marked as " XXXX '' and showed a billing address in California. I did in fact make those donations to a XXXX broadcaster that I follow during one of their live feeds. Obviously, those were the transactions that their investigator was calling about, but he never mentioned XXXX or the amounts and since I did not know that XXXX was located in California, I did not make the connection. 
I also learned during my visit to the branch on the XXXX that my account was flagged in such a way that I was not allowed to open another account at Bank of America and I have since learned that his report could prevent me from opening accounts at ANY bank. 
I did nothing wrong or even suspicious. I was called out of the blue, awoken by one of BoA 's inadequately trained investigators asking vague questions, who made a snap and incorrect judgment. I was then told that he did not have to give his reasons or any justification at all for his decision.

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 2015-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
During the months of XXXX, I was struggling financially as I was transitioning between jobs with some time inbetween. In addition, my significant other who lives with me was out of work. In the days between XXXX XXXX and XXXX, Bank of America has charged me over {$200.00} in fees which they refuse to waive. Many are overdraft fees for which funds were added less than XXXX hours after I received the notice. These fees are excessive and I can not afford them especially while I 'm in between jobs.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-05
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
Navient has places XXXX individual items on my credit report and will not provide the information that is being requested of them in order to validate the loans and confirm the information within. In addition to not providing the appropriate documentation and also reporting to XXXX and XXXX that I have had late payments within the last 12 months. My credit reports also states that navient has managed my account since the inception of the alleged loans which is also inaccurate. Navient has been unwilling to work with me in relation to the matter but has stated that my requests are frivolous in nature. Navient has violated the XXXXFDCPA and FCRA. I have asked on numerous occasions for a validation of debt and somehow they are able to validate the debt with XXXX and XXXX but not me. All communications have been sent via registered mail and I have pointed out each violation, but yet while under investigation, they still report which is another violation. Navient is not compliant to do business within the state of TEXAS and at this point lawfully has no right to report anything on consumer credit reports. Navient is indeed a 3rd party debt collector and has not filed with the state of TEXAS nor do they have a BOND issued by a accredited bonding company. In addition to the items provided above, they have also not been able to provide the wet ink signature for the contract that I have within the company which is an additional violation. Due to the negative derogatory item on my credit report I have been turned down for loans and business opportunities due to the derogatory items that they have placed on my credit report. I request to see the verifiable, valid proof ( an original contract with wet-ink signature on it, copies are not validations ad by law are not considered proof ) I would like for navient to remove each XXXX items from my report based on the information provided above. I also seek damages for the issues and hardships they have caused me for suppressing my credit scores in an effort to get payments from consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America told me they would n't resubmit a check that bounced because I accidentally double paid but then they did resubmit the check and it, of course, bounced again. Their customer service guy, XXXX, said the check would n't be resubmitted but then the next day it was. 

The problem started when I overdrew my account in the first place. That was my fault. When I saw that the payment did n't go through, I submitted it again once I determined our account could cover it. I did n't know, however, that BoA policy is to re-run bounced payments. Thus, they ran the original payment through, which was covered, but my second payment now bounced. Knowing now that the bounced check was going to be run through again, I called BoA to stop that. I talked to XXXX who assured me the check would not be run through again. He practically glossed over my problem and started to ask me if I wanted to refinance my mortgage. I told him I wanted more assurance that my check would not be run again before he sold me anything. He assured me in a very unassuring way, so I asked for a case reference number. He said BoA. did n't have reference numbers but that my account would be noted that I had this conversation. I come to find out today that the check said would not be run again has, in fact, been run again, so now my account is overdrawn. BoA mortgage customer service is closed on weekends, so I ca n't to anybody until Monday. It 's Saturday morning now. I take responsibility for the original {$30.00} bounced check but this second one is BoA 's fault because XXXX was wrong about the payment not running through again. I might be on the hook for more fees because I have pending debit that might be overdrawn depending on how quickly BoA credits back my account on the second mortgage payment that XXXX said would be stopped. It was aggravating how he seemed to be more focused on selling me a product instead of providing customer 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 2016-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Credit card
Issue: Rewards

Complaint:
Signed up for promotion between American Express/XXXX and XXXX via XXXX and American Express XXXX XXXX. Followed signup requirements, but American Express/XXXX did n't credit account after numerous contacts with the company. Via websites, this promotion had numerous issues that American Express/XXXX is loathe to fix.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
Since XX/XX/2022 Ive been disputing with XXXX, XXXX and TransUnion via credit repair services! But to no avail nothing never has happened to my satisfaction!

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 2016-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am not clear as to what exactly happened with my Bank of America account. I do know that the account was ultimately closed and has been reported to XXXX ( XXXX ) and XXXX as " fraud '' because of a returned check that was deposited. I have made two trips to Bank of America to try and resolve the issues at hand ( I have been placed in XXXX & XXXX for {$240.00} ). The branches themselves have not been able to help me. The reporting to both bureaus has resulted in all my bank accounts being closed with my previous institution because of the " fraud '' attachment to my account. I have attempted to resolve the issue at Bank of america to no avail. It is IMPOSSIBLE to open another bank account for myself and or my business because of the fraud. My business will be closed by the end of the month because we can not operate without a bank account and our credit card reserves will be maxed out. Who gave Bank of America the right to shut down businesses it is very apparent that they have more power than our Government does.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
PER THE SAVINGS ACCOUNT XXXX WITHDRAWALS FUNDS LIMIT OF XXXX WITHDRAWALS FROM SAVINGS ACCOUNT PER THAT PERIOD OF ENDING BANK ACCOUNT STATEMENT. 
PER FROM XXXX XXXX, 2016 thru XXXX XXXX, 2016. I DID HAVE XXXX WITHDRAWALS FROM MY SAVINGS ACCOUNT. BUT THE BANK FEE FOR THIS SHOULD BE ONLY {$3.00} AS A {$3.00} FEE CAN BE CHARGED FOR THE NUMBER OF SAVINGS ACCOUNT WITHDRAWALS OVER THE BANK LIMITED OF XXXX PER BANKING STATEMENT PERIOD. 
ADDITIONALLY, THE BANK SENT AN EMAIL THAT THEY WILL CHARGE A FEE OF {$10.00} PER OVER THE XXXX LIMIT OF SAVINGS ACCOUNT WITHDRAWALS, ( IMPROPER BANKING FEES PRACTICES ) THANK YOU.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I sent a request for information to Chase and they are refusing to answer all the items that I am entitle to. The Executive office from Chase is also refusing to send Correspondence to the appropriate person and address as indicated in my third party authorization. I do not want to miss important information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was XXXX  on XX/XX/2022 To XX/XX/2022. During that time I had unauthorized XXXX transfers happened from my account from my account. I couldn't have possibly made these transfers as I was incarcerated. I even showed proof that my cell phone was not booked in the jail with me as I as I left it in a hotel room and the people who stole my money obviously had it. During that time the people who have my phone drained all my credit cards and my banking account.Before and I drained my bank account no they looked up my user ID And reset my password. The people who stole my money Used my own phone as it was left in a hotel room when I was arrested.. After approving all this to the bank they still denied my claim. All these transactions from XX/XX/XXXX to XX/XX/XXXX were all unauthorized. They took all my money from my checking and savings account

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 2022-10-28
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2016-10-26
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
US Bank is charging me a convenience fee to have my loan payoff faxed to me of {$5.00}. They apparently charge {$20.00} for all other loan types to be faxed. To obtain the payoff via mail it is free. I find it very hard to imagine that a fax costs {$5.00} to be faxed. The only justification that XXXX gave is this is a convenience fee, which is absurd. It would cost them more to mail me the letter.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI
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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2015-11-11
Company: JPMORGAN CHASE & CO.
State: OK
Product: Credit card
Issue: APR or interest rate

Complaint:
I recently was notified that my Chase credit cards were increasing cash advance APR by 5 %, increasing balance transfer fees from 3 % to 5 %, increasing late fees, etc. I thought this agency was in place to stop this kind of unjustified practice. This is done just to increase the profits of Chase bank with no respect to its customers. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Sulphur Bank Rancheria Enterprises
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
This company is Garnishing my checks Without my knowledge Never took me to court never sent me papers that they're gon na send me to court I'm just wondering how they are able to do This

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied for a Citigold Checking account under the promotion code XXXX. I met all of the requirements on XXXX/XXXX/2016 and the XXXX XXXX should have posted within 90 days, which would be XXXX/XXXX/2016. I have been in contact with Citi via secure messaging since XXXX/XXXX/2016, but keep getting told that they are still reviewing my 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 2017-02-15
Company: Nelnet, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I returned all the equipment and they were supposed to credit my account and take off the purchases and I 'm not sure if they did but when my XXXX it shows that it 's closed but on my XXXX XXXX it still shows

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2017-02-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
Awhile back, on XX/XX/XXXX I locked my keys in my car and I contacted a locksmith. He overcharged me XXXX. I knew he overcharged me because later that day when I came home from work, I contacted other locksmiths and they only charge XXXX at the most. I contacted my bank, Chase, and I told I was completely unhappy with the service I received, and they first offered to give me credit. Well.. today I received a letter stating they are in favor of the locksmith.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card
Issue: Billing disputes

Complaint:
I have had this credit card since XX/XX/XXXX. I never had a dispute until recently so I never knew the credit card practices. 

XX/XX/XXXX I rented a car XXXX. The quote I received was for {$710.00} ( attached ). I expected to pay that amount when we turned in the car in XXXX. 

However, the car rental company started to charge my credit card at odd intervals, so it was difficult to determine what was happening. 

Here are the charges XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX disputed these charges but Chase Bank did not advocate for me. I am the customer and Chase Bank should require their merchants to honor their quotes. Is n't that what credit card companies are supposed to do? I do not know what to do next. Please advise me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI
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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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