BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-16
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We applied for the SBA PPP on the first day that the PNC system was accepting applications and was somewhat stable but not functioning 100 %. We spent approximately 4 hours on the phone with PNC tech support to get the application submitted on XX/XX/2020. The email confirmation we received stated that there was no way for customers to inquire as to status. Rather an email would be sent if any additional information was needed. We have received no emails requesting further information. PNC has now provided online access to loan status. Much to our surprise our SBA PPP loan is still " under review '' within PNC and has not been submitted to the SBA. We have an established banking relationship with PNC, yet PNC never submitted our application to the SBA for processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Granite Edvance Corporation
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XXXX, my husband and I consolidated our student loans, otherwise known as spousal consolidation. At that time our combined loan balance was {$110000.00} with an 8 % interest rate. Today, despite paying a total of {$130000.00}, our balance is {$220000.00} and growing. Although we both have the required amount of payments as educators, we are excluded from the Public Servant Loan Forgiveness program, because of the spousal consolidation. Additionally, our balance continues to grow because of outrageous capitalized interest rules under the income based repayment plan which is intended to support borrowers with manageable payments. When we are in our XXXXs and set to retire, that inflated balance driven up by predatory interest will become taxable income under the XXXX plan. At that time we will have likely paid our loans back twice over, but the balance will be close to {$300000.00}. In no other industry would it be ethical to collect five times what was borrowed. We have spoken to our loan servicer many times and have been encouraged over the phone and via written communication to apply for PSLF, however we continue to not qualify because our loans are in spousal consolidation. We have attempted to convert them to a direct loan, but that is impossible under the law. In XXXX we were led to believe that we were being financially responsible by consolidating our loans, but it has turned out to be a discriminatory and predatory step that was allowed by the government for a short time. Spousal consolidations were ended in XXXX with no way to detangle and with no inclusion for loan forgiveness options offered to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
My American Express serve card was used at an ATM to withdrawl {$500.00} with out my consent another charge of {$0.00} ATM declined fee was charged as someone attempted to withdrawl more funds on XX/XX/2022 at XXXX am I called American Express at XXXX when I realized someone used and attempted to withdrawl money. They sent me a declaration of fraud form I submitted this on XX/XX/2022. On XX/XX/2022 American Express sent an email saying that my dispute was declined. 
This is not correct and I believe that American Express stole my money as my card is still in my possession and I wasnt in the area of this ATM when it was used.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: Experian Information Solutions Inc.
State: MA
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:
In accordance with the Fair Credit Reporting act my rights are being violated.

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

15 U.S.C 1681 Section 604 A Section 2 a consumer reporting agency can not furnish a account without my written instruction SEE ATTACHED

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 2022-08-21
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This matter relates to a JOINT CHECKING ACCOUNT held by me and spouse with Key Bank National Assoc. 
The events are as follows : 1. Due to a theft ( c. late XXXX XXXX ) of purse, a couple of checks ( contained in the purse ) were lost. However, this was not detected until a fraud was committed using the stolen checks ( see attached - note date and amounts ) to withdraw funds c. late XX/XX/XXXX. 
2. As soon as this was detected XXXX early XX/XX/XXXX, my spouse notified the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX to start the process. For a long time, we were NOT notified of any progress/status update by either the above branch or ANY action re our attempt to recover the funds. 
3. c. late May, I was approached by XXXX XXXX XXXX XXXX XXXX XXXX Key Bank University XXXX XXXX - details below ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as he had learnt internally about ( lack of any action ) re my case and offered to help. He initiated a formal Fraud Investigation and thereafter the matter was escalated upto the XXXX Offices, as follows - * Fraud case number is XXXX ; phone number to Key Bank XXXX XXXX XXXX. 

4. After a further period of wait, I was contacted by XXXX ( XXXX? ) via phone from Key Bank XXXX XXXX in XXXX, for collection of information. After another period of wait, I was told verbally over the phone that Key Bank was DENYING my claim because of DELAY in filing the fraud paperwork. I have recorded VM message of contact by Key Bank but no other record of conversations with representative of the XXXX XXXX ( although I was told that a transcript is kept ). 
I have since repeatedly asked for this formal determination via email or writing that I am yet to see till today. Note that Key Bank does NOT contest the fact that fraud was actually committed but is nonetheless denying the claim due to the above procedural issue that we were NEVER informed about when 1st reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: Omega RMS, LLC
State: OH
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:
Information not 100 % correct such as address, amount owed, type of account. Certified letters sent multiple times to address situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
Today I went to Bank of America in XXXX XXXX XXXX XXXX to cash a check. I was told there was an {$8.00} fee to cash a check for non-bank customers. I explained I had XXXX accounts but did not have the credit cards with me. I was told I would either have to provide XXXX of the credit cards or write my social security number down on a piece of blank paper and give it to the teller so she could look up my accounts. I asked why my account could not be located with my name, address and phone number and was told I had to provide my complete social security number written on a blank piece of paper and give it to the teller in order to find my accounts ( there was no keypad I could use for private identification ). I then said I do not feel comfortable giving my complete social security number to a stranger and asked to speak to a supervisor. The suppervisor told me the same thing. I then said no problem I will pay the {$8.00} fee and was told.. Now that we know you are a customer we can not cash the check without your complete social security number. I left without my funds. This has happen on at least XXXX other occasion with B of A. I have now told the tenant I will not accept any further checks from B of A and to write me a new check for his rent. And I charged him a late fee because his rent is now late. I also closed XXXX of my B of A accounts. Bank of America is so worried their precious little {$8.00} fee which I believe is discriminatory against low income people. XXXX out of XXXX people or 8 % of the population is " un-bankable '' those folks are usually low income individuals. B of A is discriminating against low income people for their precious little {$8.00} fee. If they didn't have the fee I would not have had the problem I did today. The fee is bad for everyone.

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 2022-06-23
Company: EQUIFAX, INC.
State: NC
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:
Hard Inquiries tha need to be removed Include : XXXX XXXX, XXXX XXXX, XXXX, Equifax Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have two accounts that I keep contacting credit bureaus about. I just turned XXXX and they are still reporting a XXXX XXXXXXXX  account and XXXX XXXX account on my credit report. I have sent proof of my age and my identification but they keep responding with the following : VERIFIED AS ACCURATE. I was XXXX years old when the account was established so its no way its mines. They even have my date of birth reported as XXXX on my credit report and show the account opening/closing in XXXX when I was XXXX. Please help! This is not fair to me.

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 2022-06-06
Company: ALLY FINANCIAL INC.
State: RI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I HAD AN AUTO LOAN WITH ALLY AUTO ON MY XXXX XXXX XXXX XXXX, WHICH I REFINANCED THROUGH XXXX XXXX XXXX IN XX/XX/XXXX. XXXX  PAID OFF MY LOAN ON OR BEFORE XX/XX/XXXX IN FULL, WHICH ALLY CONFIRMED XXXX OFF BEING PAID OFF BY XX/XX/XXXX. ALLY AUTO STILL TOOK THE XXXX WITHDRAWAL FROM MY ACCOUNT OF {$850.00} ON XX/XX/XXXX. I CALLED ALLY ON OR ABOUT XX/XX/XXXX TO NOTIFY THEM OF THE OVERDRAFT ON THEIR PART AND THEY INFORMED ME THAT IT COULD TAKE UP TO 30 DAYS TO REFUND MY {$850.00}. IT IS NOW XX/XX/XXXX AND I DO NOT HAVE MY REFUND. I CALLED TODAY AND ALLY INFORMAED ME IT COULD TAKE UP TO 55 DAYS FOR THEM JUST TO RESEARCH AND APPROVE MY REFUND?????? AND THEN ADDITIONAL TIME TO REFUND THE MONEY. THEY ARE REFUSING TO PAY SIMPLE INTEREST ON THE LOSS OF USE OF MY OWN MONEY WHILE THEY DILLY DALLY REFUNDING MY OWN MONEY WHICH THEY WITHDREW IN ERROR. THEY LIED TO ME DURING MY FIRST XXXX ATTEMPTS AT CONTACT TELLING ME IT WOULD BE 30 DAYS, ONCE THE 30 DAY WINDOW WAS GONE, NOW IT XXXX PLUS DAYS. ALLY HAS RESTRICTED MY ONLINE ACCESS TO MY ACCOUNT AND I CAN NO LONGER OBTAIN MY STATEMENTS OR MY EMAILS TO THEM ABOUT THIS MATTER IN A DUBVIOUS ATTEMPT TO COVER THEIR TRACKS AT CONDUCTING BUSINESS IN BAD FAITH AND DEFRAUDING ME. I HAVE CONFIRMATION EMAILS ONLY SHOWING MY ATTEMPTS OF CONTACT, BUT THEY HAVE WIPED THE MESSAGES FROM MY ACCOUNT. ALLY 'S BUSINESS PRACTICES ARE SUBSTANDARD AND IN BAD FAITH AND ARE CAUSING ME FINANCIAL HARM DURING A TIME WHERE I AM OUT OF WORK DUE TO A MEDICAL CONDITION, FACING RECORD INFLATION, AND STILL HAVE TO MAKE A {$800.00} CAR PAYMENT NEXT WEEK TO ANOTHER CREDIT UNION, BUT MY MONEY IS BEING HELD CAPTIVE BY ALLY BANK. IF I DID NOT PAY MY LOAN ON TIME, ALLY WOULD CHARGE ME A LATE FEE, SO WHY AM I NOT ENTITLED TO INTEREST IN RETURN. I DEMAND THEY PAY 12 % MONTHLY INTEREST ON MY LOSS OF USE OF MONEY, WHICH IS THE STANDARD ITEREST RATE IN ANY LITIGATED MATTER, WHICH THIS WILL SOON BE IF ALLY DOES NOT GET THEIR ACT TOGETHER.

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 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Hard Inquiries tha need to be removed Include : XXXX XXXX, XXXX XXXX, XXXX, XXXX Mortgage XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-23
Company: EQUIFAX, INC.
State: MD
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 did not consent to authorize the attached accounts and inquiries on my consumer report. Please remove them immediately. Please see the attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-03
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-21
Company: CITIBANK, N.A.
State: TX
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:
On XX/XX/XXXX was contacted by a man who claimed to be a XXXX XXXX ( used name of a real XXXX XXXX ) and claimed I had a federal warrant for failure to appear for jury duty. Informed me {$3000.00} to court clerk would put a hold on warrant until I appeared in person. Was told I would get money back on appearance at XXXX 's office. Was told I needed a Gift card to access XXXX at XXXX office which would be refunded.. Unfortunately I cooperated. This involved XXXX of my credit cards and paypal. I shortly thereafter called the police and the XXXX 's office and realized there was no warrant and this was fraudulent. 
I contacted XXXX, my XXXX card, my XXXX XXXX card, and My Citi card. XXXX and XXXX XXXX immediately accepted the fraud complaint, cancelled these two cards and stopped the transactions. 
XXXX did nothing in spite of numerous emails. In fact the next day the man responsible sent a message through XXXX that I was to have paid him {$3000.00} TWICE. Citi took my contact information and assured me this would be shut down. They cancelled my card and issued a new one. This was done within one hour of the fraud. 
I have had six phone conversations with their fraud department, each time with them telling me there was no record of my calls but it would be taken care of. I have since received a letter that I was responsible for the charges. I made no progress with my SEVENTH call. I have since mailed two letters. I doubt there will be any response The XXXX Texas Police and the XXXX XXXX are aware of this but have no resources to chase this down. The woman at the XXXX 's office was very familiar with this already.

Two of my three involved cards shut this down immediately but Citi, even with my prompt reporting of the fraud did not HELP at all. In fact, each phone call I made was with me emphasizing the importance of this being shut down quickly with Citi reassuring me I would not be held responsible ... and then I have been told I am responsible. Hope fully this explains my situation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: NAVY FEDERAL CREDIT UNION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
My wife XXXX XXXX went to a Branch of Navy Federal Credit Union in New Jersey, over there they says you're very nice and helping a lot of people in need, so we will have to pay {$5000.00} plus {$3600.00} for the Wedding Certificate, and they gave a Document I'd like to attach with this message, as I have seen I paid {$8700.00} to Tax manager XXXX XXXX as instructed by you with the receipts. Why do we have to pay one more time at the Credit Union? anyway I reported to the U.S. Treasury Inspector General for Tax Administration ( TIGTA ), to arrest Tax-fraudsters already, who will be liable to pay {$5000.00} + {$3600.00} + {$1500.00} = {$10000.00}? 
So if the Navy Federal Credit Union won't be able to respond properly, I will file a complaint to the USA Financial Ombudsman and someone will pay an interest rate of % 8 on the amount of $ XXXX according to laws of The US . 
This is a deceptive scheme to delay my funds to my XXXX XXXX XXXX XXXX Account. No Financial Business charges fees like that. 
so please sort out this matter as soon as possible if not it is too late

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 a loan with XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the 3 Credit Bureaus and the XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}

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 2023-02-07
Company: EQUIFAX, INC.
State: NJ
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 a loan with XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the 3 Credit Bureaus and the XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: EQUIFAX, 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:
I submitted a letter to the XXXX Credit Bureaus to correct or discard this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I had a Wells Fargo secured credict card years ago and the account is paid off and its closed but the company saying the account was paid off after collection.

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