BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I went to XXXX XXXX XXXX on XXXX/XXXX/16 to have XXXX tires installed and a wheel alignment. When I pulled away I noticed immediately that my car was pulling hard to the right and that the tires were making an awful amount of noise. I took the car back to XXXX the next day and told them that I was unhappy with the noise of the tires and that the car was pulling hard to the right. I was told that the tires being noisy was normal. The tires make a loud whining noise which gets worse when I turn. It sounds like the tire 's are rubbing against the inner fender. I checked the wheel well and saw that nothing was close to even rubbing against it. I left the car there to have the alignment corrected. I picked up the truck and again when I drove away the car was pulling to the right. I tried speaking with XXXX customer service but was hung up on multiple times. I spoke with the manager at their XXXX location and he told me that the truck was to long and tall and that none of the XXXX locations have the proper equipment to do the alignment properly. I had to go to an alignment shop which I have the receipt to show proof that I took the truck there. I ended up filing a dispute with my bank capital one. They denied my dispute and they did not give me a reason why. All they did was send me a copy of my receipt. I wrote a letter and sent it to them explaining the problem and a copy of the receipt from the shop I took my truck to have the alignment done properly. I called and they said that they were not going to look into it any further and that the dispute is closed. I did not spend {$1100.00} to have annoying noisy tires and an alignment that could not been done properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I was called by Bridgecrest financial on XX/XX/XXXX. They called me to congratulate me on my new purchase of a XXXX XXXX XXXX from XXXX.I had not purchased a car nor was my purchase a XXXX, I asked them for a copy of my purchase agreement. They told me that they couldn't provide me a copy I asked to speak to someone in charge because this was clearly a MAJOR mistake. I spoke to a woman by the name of XXXX from Bridgecrest who told me the car was delivered to my home in XXXX XXXX FL. On XX/XX/XXXX, which was absolutely outrageous myself nor my wife received a car purchased from XXXX. I called them several times a day and was given the run around between XXXX as well as Bridgecrest as to whom was to blame, I was told to file a police report, but yet no information was provided to me except being told verbally a car was purchased in my name, which was mentally exhausting for myself as well as my wife, I work overnights as a XXXX  XXXX and being on the phone with no answers every day after my shift with no answers and the continuous run around was a nightmare, not to mention the stress of my credit and contacting all 3 major credit institutions worrying how this has or will impact my credit score, which I'm in the process of rebuilding. After nearly a week later a woman from XXXX whom i might add was extremely helpful told me this was clearly a mistake on Bridgecrest 's behalf and the car was financed in my name but brought by someone else, I attempted to file a police report and gave a statement to Officer XXXX  from XXXX XXXX police, he stated as of yet this is not Identity theft but clearly a major financial mix up on the finanace company Bridgecrest.. XXXX contacted me again on XXXX of XXXX and stated it was solely a Bridgecrest matter and someone would contact me on the next buisiness day. No one reached out to me so I reached out to them again and still the same run around, since the ordeal this has shown up on my credit even if it is removed this will impact my credit as well as myself and my families financial future.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On Thursday, XXXX XXXX, 2016, I opened a " Bank of America XXXX Checking '' account and a " Regular Savings '' account online. This same date, I received an email notification titled " Online Application Has Been Approved '' along with the ability to access and create my online login ID, which I did. This same date, I mobile deposited the only funds I had, my payroll check, to my newly created checking account. The bank put a hold on my money, so I reached out to online chat to inquire why and was told the funds would be available the next day, Friday. The next day, I attempted to login to my checking account to determine whether the funds were available and could not access the account. I again reached out to the bank via chat and phone and after being given the run around for nearly an hour, found out they closed my account without notice and had my money. This same date, my mom went into a local branch to speak with the branch manager regarding these events, and was unable to get any useful information. I checked with my current bank, XXXX, and do not have any negative or derogatory financial marks against me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I am a Rep payee and when I want to set up the account for my godson and myself, I was tool through the employee at Truist bank in XXXX, Pennsylvania, that no money would go through if it would take my balance past zero or if I had a zero balance, nothing would go through. I even confirmed this with her before I left. Well, $ XXXX laterout of my pocketto cover their charges for money that were never to go through. It took days for checks to go out, so I canceled them through the app-example : Name : None, Amount XXXX et al because there was no way to delete them. Not only did the checks go out, they went out every month!!!! How? I dont understand how they could do that!! When I first requested her to cancel these checks on her end, she told me that she couldnt. I had to close this account and open one elsewhere with no problems whatsoever. I am still out over {$400.00}! They started ignoring my requests and letters when I still was banking with them.

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 2015-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card
Issue: Other fee

Complaint:
I was charged without knowing an amount of {$69.00} by creditcard issuer, Spirit airlines. Their card is make based on Bank of America. 
Took me hours on the phone with the bank XXXX Spirit did not answer the phone ) to find out the charge is a fee to became a sort of {$9.00} XXXX member. I strongly refuse and requested to take of this unwanted fee.I was refused by the bank representative that is not working on my side as a customer. 
So the bank did not accept to open a dispute. 
I paid the bill except that fee of {$69.00}. 
In two days I received a new bill with {$69.00} plus a penalty charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I was sent an unsolicited credit card from Bank of America XX/XX/XXXX. Shortly after, I was laid off from my job due to the economy and was unable to find a job for over a year so I used the card for gas & food during that time. I soon fell behind in the payments and most of the card debt was late payments and penalties. Unfortunately I had moved and I forgot about it when I started working again. XXXX XXXX bought the debt years later and sued me. I tried to explain my circumstances, that I was in school and did not make very much money and that I owned nothing. I 'm still driving the XXXX Impala that mother bought me when I was in high school. They refused to listen and threatened & intimidated me into signing an agreement to pay {$75.00} a month which I knew I could n't afford, but I had never had any dealings with the law so I was scared and thought I had to sign it. When I could n't pay it, they sued me. I know I have to pay it and I have been sending them {$25.00} a month but I lost my lease and had to move so I was unemployed again XX/XX/XXXX. I worked odd, temporary jobs during that time and finally found another full time job XX/XX/XXXX but I only make {$11.00} an hour and have been struggling to survive and catch up on my rent since then,. But I started paying the {$25.00} a month again then. But XX/XX/XXXX, XXXX froze my bank account and took my last {$190.00} out which meant I had no money for food and gas for over a week. When I read up on Florida Garnishment Rules, I saw that they are not supposed to be able to garnish a person 's salary if they make below a certain level and that includes their bank account if it can be proved that the money was income. The only money going into my bank account was my salary. I have tried to talk to them several times and even had my mother call them because I 'm not very informed about these matters, but they only say they are trying to collect a debt for their customer and wo n't agree to a lessor payment. It is not for a lot of money, only about {$2500.00} but I do n't have it and neither does my mother. She lost our house to Bank of America XX/XX/XXXX and we have both been trying to recover since then. We ca n't even afford a lawyer to fight them and feel like we are victims of the law and have no recourse against this unscrupulous company. We will pay the debt but we need time. I have told them that as soon as I can pay more I will increase the amount. But I need enough money for rent, food and gas so i can work and i do n't make much more than that. I would like to pay it in full now but there is no way i can do so. ( My Mother is writing this for me as I 'm not knowledgeable about these things ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Item # XXXX - I was provided information by a Transunion alert that an unknown collection agency, Online in XXXX, was reporting an unknown debt for {$58.00}. In researching the line it shows that the creditor, XXXX XXXX XXXX, provided the collection in error. In fact, a check for {$87.00} was received from XXXX XXXX XXXX XX/XX/2016 for the error. The matter was closed and no balance was due. 
Item # XXXX - Transunion continues to provide accurate information in regards to a medical creditor from XXXX XXXX, NV, XXXX XXXX, XXXX. This collection agency was instructed by XXXX to stop collections and erroneous activities of this item line reported on my personal credit report. 
Transunion continues to provide this inaccurate information on my reports which has resulted in loss and harm.

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 2022-09-18
Company: EQUIFAX, INC.
State: CA
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 with the Fair Credit Reporting act XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX- XX/XX/XXXX, XXXX - XX/XX/XXXX, EQUIFAX MORTGAGE SERVI XXXX XX/XX/XXXX, XXXX  - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
PNC Bank poor accounting of available funds and shift monies from accounts after Ive made transfers to balance out my accounts. PNC is intentional triggering fees ( overdraft protection ) by changing my account balances and causing payments from my accounts to delayed or held and creating negative balances and adding more fees. 

On XX/XX/XXXX, I unexpectedly had a XXXX balance in my checking account, with pending business payments expected to withdraw. Reviewing there were expenses not posted and funds returned to checking account as available after the standard 72 hrs. 

I transferred money from my XXXX  account to cover automatic payment withdrawals, expected after XX/XX/XXXX. The morning of XXXX, I receive email notifications, I have a XXXX balance in checking because they applied an overdraft fee. The funds I transferred to balance out the checking account, was returned back into the XXXX accounts. 

I didnt do this nor authorized the bank to make this change or any changes. I had a XXXX XXXX in my checking account, an overdraft protection fee and still had payments pending. 

I reached out to PNC several times prior for other balance inconsistencies and errors in applying fees and not correctly investing an overpayment to a vendor. 

I spoke with PNC rep and to keep a HAND WRITTEN LEDGER to also manage my transactions. Though an archaic suggestion in a real-time digital world and economy, it still wouldnt remedy the changing balances in/out of the accounts. Especially, those the bank decided not to keep in the right accounts. 

I was transferred to XXXX XXXX, Executive Client Relations. But we never spoke, even after request via email, she schedule a time to meet. 

In the last 6 months, PNC Bank has caused me significant distress, loss of business and loss of money with long term negative impacts to merchant/client relationships. PNC Bank record keeping & report accurate balances in real time is horrible and even dangerous and distrustful. Ive had to request several fees be removed because of their poor accounting. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax continues to report information that is inaccurate and should have been removed per XXXX XXXX debt XXXX and XXXX XXXX Bank. 
Both companies have stated through my CONSUMER Financial Protection bureau complaint they have sent documents to have this removed from the credit companies. All have removed these items except for Equifax. This is affecting my credit score and ability to get certain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
Please forward the information to Citi. 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 2022-09-18
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I took a picture of a check an they said it would not go though because picture was not clear so I then went to a nere by bank an cashed my check then because they messed up it went through after already cashing check at the bank so I got paid twice but thats not my fault there computer messed up

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have XXXX accounts with Bank of America. In order to prevent overdrafts in XX/XX/XXXX I opted out of payments of overdraft created by debit card charges and automatic payments and requested that if there were not sufficient funds the items were to be denied. The bank changed the setting in the account and when items without sufficient funds came in these were declined, however, the bank continued to charge {$35.00} per item since it indicated that declined items are subject to fees anyway. In addition, the bank would not indicate in the activity online what item was declined. Since the solution was worst that the problem I went back to opting in for overdrafts. Also, I was not notified of my right to opt in or out for payment of overdraft. That was the bank strategy to get me to opt in again. I believe that the bank actions might be in violation of applicable regulations and were established as a device to charge excessive overdrafts fees. As such the bank is incurring in unfair and deceptive practices. For this reason I request that the bank refunds all overdrafts fees charged to my accounts in XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
We booked XXXX round trip tickets from XXXX to XXXX with XXXX Capital One credit cards ( paid partially with reward points and credit card charges ). During our trip flying from XXXX to XXXX, we missed our flight due to mis-communication with the airline company. We contacted Capital One trying to resolve the problem because Capital One also served our travel agent. Since we called Capital One travel department during their non-business hours, someone from their Card Customer Service Department promised to help us. We planned to book XXXX way ticket with a different airline to replace the XXXX flight that we missed, so we can still keep the return flight with XXXX. However, the representative from the Capital One Card Service Department mentioned Capital One will able to refund us the whole trip with XXXX. Instead of purchasing another XXXX way ticket, she advised us to purchase XXXX full round-trip tickets with a different airline. She said Capital One can not refund partial trip, but they can refund full trip. Therefore, I should purchase full round trip tickets with different airline instead of just XXXX way trip. She also mentioned she will place a note on my account, so her co-workers will able to help when I call back for the refund. The next business day, I called Capital One to process the refunds that they promised. I was connected to their travel department first, then their card service department, then their specialist and finally back to their travel department. They transferred my call around for almost 2 hours, and they were not to honor what they promised originally. No proper documentation was input in my account. They recorded my conversation with the original representative. And they made me liable for the misleading advise that the original representative made. Instead of paying for one-way ticket from a different airline ( approximately {$750.00} ), we have paid {$1700.00} extra for another full round trip tickets. We have purchased XXXX set of full round trip tickets for the same trip due to the misleading advice from Capital One Card customer service. There is evidence from the conversation record in the system. And they are not willing to retrieve the record and be liable for the mistake they made.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card
Issue: Overlimit fee

Complaint:
I have paid Kohls credit card on time every month with my online pymnt scheduled out monthly, I was only using the card to build credit. Never leaving a high balance for any length of time, I will pay at least minimum with online banking, somehow the are showing me as 128 % utilization which is hurting my credit score! How can I be that much over when its paid monthly through banking plus me adding payments to keep this low..This being the second month they screwed up, I called Kohls and they told me they will not help me..until XXXX XXXX.Im trying to buy a house, this is hurting me! good bye kohls..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I am writing to dispute about a fraudulent charge on my account which is XXXX XXXX XXXX and XXXX XXXX Solution. I am a victim of identity theft and would like that the following account be deleted from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/2022, I disputed an account reported by XXXX XXXX XXXX in the file you maintain under my Social Security number for the. first time. I was informed on XX/XX/2022 that the item was deleted from my credit report. Now I have discovered that the item has been inserted on my credit report on XX/XX/2022 for the second time after it was removed yet again on XX/XX/2022. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

Company response to consumer: Closed with explanation