BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I asked Bank of America for a replacement check on a check that was made out to me and was void because it was after the 120 days. Bank of America has a confusing process to navigate the system and I was on the phone for hours and days being shuffled from XXXX office to another. I was finally assured by XXXX in XXXX that she would send a replacement check. She did not do so and when I followed up on her direct line, she hides behind her voicemail and does not respond. Instead, she referred the matter back to her subordinate who was unable to assist. Bank of America cancelled the original check which I have and then failed to issue a replacement despite repeated assurances to do so.

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 2022-11-14
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: Reporting company used your report improperly

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-14
Company: Experian Information Solutions Inc.
State: IL
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:
I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT FILE 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 2022-11-14
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/22, I inadvertently paid {$1800.00} to The Home Depot via my online banking bill pay system. The payment should have gone to XXXX ( my mortgage company ). I discovered my error within days. Since that time, I have spent upwards of 15 hours on the telephone with various Home Depot payment escalations teams, managers, supervisors and also directly with CitiBank ( who services their credit line ).

Because my Home Depot credit card was 'cancelled ' several years ago due to non-use, everyone is struggling to locate my payment. I involved my bank, Associated Bank, who faxed a letter ( at CitiBanks 's request ) to their payment research team at XXXX. They claim they did not get the fax. 

On XX/XX/22, I was told to obtain proof of payment from my bank. I did this. I provided my ( now closed ) account number, the payee routing number and last 4 digits of their account number. I also provided the credit trace number and file trace number to help them locate my payment. This, too, did not help them. 

On XX/XX/22, I filed a formal payment error claim with my bank. 

This is extremely frustrating to not get any help from Home Depot or CitiBank. It has been close to 7 weeks. If they received payment referencing an account number that has been closed for years, I should have received a check in the mail by now ( many people I have talked to at both Home Depot and CitiBank have said this as well ). Nothing!

My CLOSED account number with Home Depot is XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX Any help you can provide would be greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-01
Company: Navient Solutions, LLC.
State: MD
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:
I got a private student loan from XXXX XXXX, which has since been transferred to Navient. The original loan amount was for {$30000.00}. Since the first getting the loan I have paid over {$23000.00} in interest ( interest rate is currently at 12.125 % ) and I still owe {$27000.00}. I will never be able to get out from under this loan even though I have practically paid it off just in interest. Navient has been unhelpful on the multiple occasions that I have reached out to see what options were available to me for paying off my loan. I am XXXX years old and am trying to purchase my first home with no success as I have fallen behind on credit card payments over the years in an effort to pay off my student loan first. It has ruined my credit score, my chances of getting a home loan, and has caused tremendous stress in my life. Additionally, Navient is beyond unethical in how they post my owed payments each month. One month I will owe {$360.00} and the next month it will be {$54.00}. I 've searched my account for a monthly statement that would help me better understand how my money is being applied with no success of finding one. I was directed to put my loan into forbearance, have been denied tax deductions for the interest I have paid on my loan and am honestly at a loss for what to do. I have been in touch with Navient several times to try to negotiate the terms of my loan but they will not talk about repayment options until the loan has had a late payment on it and then that mark goes on my credit score. I do not have the knowledge or power to get myself out from under this loan. It is a huge burden with no relief in site.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My m & t bank account has been blocked XX/XX/2022. I called to see why that day and was told because of a check deposit. I was told i could not access my account until those 5 days were up. I went into the bank that Saturday with my account number and state drivers license and was told by the teller they could not give me any information on my account because it was still locked. I called customer service to see why the lock was still on and was told the check came back unpaid I should be able to go inside the branch to speak to the manager and he can email the department handling my case so u can access my available funds. I did that but never received a call back. Today XXXXXXXX XXXX  I tried to log on my online banking and its still blocked.i called the fraud department and asked her when the lock will be taken off so that I can have access to my available funds and she looked at notes and told me there hasn't been any updates that she can tell me and on my file but that I should be able to go into the branch and they can assist me. i told her I tried that twice and they can not help me. She said there's nothing else that she can tell 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 explanation
Consumer complaint received 2015-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
While out of town for five days, I received in the XXXX mail a letter stating that XXXX XXXX accounts and XXXX regular savings accounts had been opened in my name. Additionally, I received a debit card and PIN ( in separate mailers ). Shortly thereafter I received XXXX letters from BofA telling my the accounts affiliated with my name had been reconsidered and closed. All these were waiting for me upon my return to town. 

I never applied for an account with BofA, not do I want one. I never applied for a debit card, not do I want one. 

I want some assurance that my credit ratings will not be impacted by these actions and that I am not affiliated with them in anyway whatsoever. 

The name and address used is : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX. 

I sent an email to the fraud department of BofA a couple days ago but have not heard from them as of now. If I do, I 'll ask their assurance - in writing - that these transactions were fraudulent and that I am in no way associated with them. 

Thank you. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: Comerica
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My complaint is against US Direct Express. I had {$600.00} fraudulently withdrawn from my card on XXXX/XXXX/2016. I noticed the unauthorized transactions on XXXX/XXXX/2016 and contacted direct express @ XXXX XXXX XXXX and notified a rep of the situation. The rep canceled my card and sent me a new one and also sent me a fraud packet to fill out explaining the fraud that occurred. After completing and sending back the required forms weeks passed I had n't heard back from direct express. I called to check status of my dispute and a rep told me my case was closed because there was not enough info to determine if fraud had occurred. They never contacted me or notified of anything. I was then sent a letter from XXXX XXXX in fraud dept. days later with a bank statement explaining to me to circle the fraudulent transactions and return to have my case re opened. I returned the required document immediately and once again I have not heard back from direct express concerning my issue.. I 've tried contacting XXXX XXXX, the lady of the fraud department handling my case, and have got nothing but voicemail. I 've left messages that have been unreturned. It is now XX/XX/XXXX and I 've been {$600.00} short for 5 months, struggling to live with the small income I do have. I beg for help as I do n't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Other

Complaint:
I have been a credit card holder at Chase since 2006 under the Chase Freedom card. Upon review of my account, I called to inquire to see if I could change my card to a XXXX card, so I could benefit from the travel rewards that are gained through purchases. I went online and saw that they were offering XXXX points for the first {$4000.00} purchased in the first XXXX months, as well as various other features. During my phone call the woman who assisted me told me that she could change my account to the XXXX without an issue. I asked numerous times ( the call was recorded ) that as soon as I receive my card that after I make a {$4000.00} purchase that the XXXX points would be applied to my account. She said yes. I confirmed a few more times, and she said yes. She also stated that she would keep my existing 9.24 % APR, and wave the {$95.00} fee for the first year, which was another feature advertised on the website. I received my card yesterday, called to verify it was up and running and that I could make the {$4000.00} purchase to gain the XXXX points and was told that the XXXX feature ONLY applies to new customers, not an account switch. Not at anytime was this told to me, but rather the complete opposite, and it was confirmed multiple times. I explained this, asked to speak to a supervisor, and was told that the {$95.00} fee was going to be waved, as well as keeping my 9.24 % rate, but the XXXX points would not be given after my purchase of {$4000.00}. The supervisor told me that was only for new customers, I explained that my conversion, on a recorded line apparently contained incorrect information. The supervisor said that they would pull the call and 'reprimand ' the customer service individual who provided me with the wrong information. None of which solves my issue. I explained I was a customer since 2006 and if this was not honored I would be closing my account. They did not seem phased.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14
Company: Account Managers, Inc.
State: ND
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:
THIS IS ANOTHER ATTEMPT AT GETTING THIS ISSUE RESOLVED. XXXX XXXX & GRIMM COLLECTION ARE ILLEGALLY REPORTING DUPLICATE INFORMATION ON MY CREDIT. XXXX XXXX CLAIMS TO HAVE SOLD THE BALANCE TO GRIMM COLLECTION YET, XXXX XXXX IS STILL REPORTING A BALANCE. GRIMM COLLECTION IS ALSO REPORTING THE SAME EXACT BALANCE + INTEREST. THIS IS AN ILLEGAL DUPLICATE REPORTING AND HAS CAUSED ME FINANCIAL BURDEN AND FINANCIAL OPPORTUNITY ALL YEAR. I CAN'T MAKE UP THE TIME LOST FOR THIS MISTAKE NOR THE TIME IT HAS TAKEN ME TO TRY AND GET THIS RESOLVED. XXXX, XXXX, XXXX ... YOU ARE REPORTING A DUPLICATE BALANCE WHICH IS ILLEGAL. PLEASE DELETE BOTH ACCOUNTS MENTIONED ABOVE AND/OR RECTIFY THE BALANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Checkr, Inc
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
I recently went through a background check with a company called checkr, XXXX uses them to perform background checks on their driver 's for employment I've updated my contact information and I provided them with my driver 's license and checkr refuses to accept my valid driver license. I've tried several times to give checkr my information but they refuse to take my driver 's license. they have an invalid wrong information on file. I told them several times that I am a XXXX  resident I no longer live in XXXX  here 's my valid driver 's license please use it when you do your background check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: DOLLAR MUTUAL BANCORP
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2016 I purchased a home through Dollar Bank using the FHA program. During my home search I expressed wanting to purchase a multi-family property that would be owner-occupied. I was told by the banker that FHA changed it's rules and I could not purchase a multi-family home. I have come to learn that I, in fact, could have purchased a multi-family home using the FHA program, and I have been feeling cheated ( and redlined ) out of the home I truly wanted and would have been happy living in.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card
Issue: Payoff process

Complaint:
I have been a Bank of America credit card customer since 2009. I have never been late and have carried a balance for most of those years. I finally paid off the credit card. In the month I paid off, I returned to the website and made two additional payments for a total of three payments. My last payment I paid {$7.00}. It actually shows I overpaid my account. Then BOA issued a trailing interest amount of {$6.00} and I was unaware. When I call to try to understand how they charged me additional interest when I paid off the card ( only a few days ) the month before and paid all charges, interest and amount due ( three times in one month ), they do not provide a reasonable or logical explanation. They say you have to pay off your credit card for two months in a row, so one month paying all charges and interest is not enough. This is unfair and unreasonable. After I called, they immediately said they 'd waive this amount, but that is after they reported me to the credit bureau with a sixty day late. I was unaware of this trailing interest and can not get a detailed explanation of why I was charged this amount, reported to a credit agency, then told the amount could be easily waived. How can they report me on an interest only trailing amount that they easily waived? I am a long term customer who has NEVER been late with a payment. I did not receive a paper letter that this amount was owed or a single phone call. They just reported me and now say they can do nothing to help me. Bank of America practices unfair credit practices. They are not acting professionally, reasonably and they obviously do not value customer relationships. I have called them 4 times and no one has been able to help. I want this amount removed from my credit report and I 'd like to receive a letter of detailed explanation as this has damaged my credit report and caused a lot of XXXX in my family.

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 2017-02-11
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have a loan with navient who currently has a lawsuit against them. Also the school that I received the loan from also has a law against them. My original started with direct soi am also requesting verification of the amount of the loan. this matter has caused a lot of stress on me and my family. we can not get any help or loans any where!! navient make it really hard to do anything in life because of the reports they leave on your credit report. this lawsuit they have against them is for the same reason I am filing this complaint they over charging and imposing fees I never agreed to which has my loan more then {$6000.00} over the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I believe that my banking account with bank of America has been comprised by identity theft. my cell phone along with my wallet and other papers was stolen a few months ago now which had access to my banking account. On My phone was a bank application, and confidential information stored throughout the phone, including the ability to conduct online options deposits and transactions. I have received adverse activity now and have Been flagged now by XXXX under fraudelent activity. My accounts with bank of America have been shut down. I contacted the bank first, but had no luck with recovery of information or help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04
Company: Total Card, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This company has changed name multiple times, I have sent Proof of all my addresses, name and my Drivers License and state ID most of all my PASSPORT showing I was out of the country for 3 yrs. and a Police report. to prove. and they still refuse to remove XXXX fraud accounts. I had a fraud alert and they did not call to verify Identity also I was told these XXXX credit cards was open on line. using a fraudulent address for a XXXX XXXX XXXX I have given way to much info to this company and they continue to play around. I have been mailing them for 5 months XXXX XXXX who does this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: JPMORGAN CHASE & CO.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Purchased a power trunk kit for a XXXX XXXX XXXX from XXXX XXXX. The product was defective and did not function as claimed. Specifically, the trunk release button in my car no longer functions after the XXXX Offer product was installed. Trunk release button worked perfectly before the installation of the XXXX Offer product. I contacted the merchant. The merchant requested additional information as well as a video showing the issue. I provided the merchant with all requested information including video evidence that the product did not work. Merchant refused to replace the product blaming XXXX for the problem. I advised the trunk was working fine until their product was installed. The merchant then tried to blame their certified installer and refused to provide a full exchange. The merchant only offered an exchange of a single component that did not resolve the issue. 

Accordingly, I filed a chargeback with Chase to dispute the charge as the product was defective and the merchant refused to address the issue. Chase states that because the merchant is claiming the product was received, the charge stands. The issue is not whether the product was received, but rather whether the product works as claimed. The product is clearly defective, as agreed to by the merchant 's certified installer, but the merchant is refusing to refund my money. I have now paid over {$1000.00} for an item that does not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Steered towards forbearance instead of offered an income-based repayment program. Notifications were lacking in information that my IBR was about to expire and required renewal. Loan calculation were a bit skewed, I earned an additional {$1200.00} from one year to the next due to a raise, Navient increased my loan payment by {$90.00} a month when I filed for IBR.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home is in foreclosure and BOA Ban of America is not fairly handling my attempt to short sale. I am filing a property value dispute because the appraisal is inaccurate. I have a buyer who wants to live in the house. However there is alot of work that needs to be done. The buyer is qualified to get a mortgage with funds to repair built in. I have a XXXX sale scheduled for Tuesday XXXX XXXX, 2016 and have asked for the bank to postpone awaiting the results of my value dispute. Bank of America refuses and claims XXXX will not allow them to postpone. I need to be able to short sale in order to avoid foreclosure. I have filed a complaint with XXXX FHA case # 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