BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-11
Company: WELLS FARGO & COMPANY
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was in the XXXX last XX/XX/XXXX and around XX/XX/XXXX when I noticed a fraud transaction on my card last XX/XX/XXXX & XXXX, XXXX. A total purchase Of {$2100.00}. l called Wells Fargo Long distance around third week of XXXX weeks after the transaction, it took awhile for me to notice the fraud because I never ever use this credit card when I am abroad, and I didnt have any transaction on this card for a long while thats why I was even wondering how come they authorize this transaction even the purchase was more than my credit limit. I was expecting that this credit card company should decline any purchases because first of all I didnt call them to inform my international trip and its Been A doormat account. Since I am away for months I never get the chance to see all my mails not until when I came back to the US last XX/XX/XXXX. I received Wells Fargo declining my request for reversal, so I appeal again like 5x already but still they are telling me its a valid transactions Authorized transaction. I requested a copy of their investigation, the transaction slip shows a different signature, obviously not my signature! I even reach out via email to the store manager where the fraud purchase was made, they even said that they are practicing NO TOUCH policy on all credit card transactions in that store. I think their mistake is not checking the i.d of the cardholder. 
I am not responsible on this purchase. They should investigate thoroughly and charge that company who made mistake. I will try to get a police report when I fly back to the XXXX. 
This is stressing me out and Its affecting my credit score.

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 2016-03-30
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A collection was initiated for an emergency room bill from XXXX XXXX XXXX XXXX in XXXX XXXX, Florida that occurred in XXXX XXXX. The billing should have been for my daughter XXXX XXXX who was not my dependent at the time and not living in my home. I have never received a bill for the debt. XXXX XXXX XXXX XXXX billed me by assigning my social to my daughters name XXXX is XXXX/XXXX/XXXX and last XXXX of social is XXXX. My name is XXXX XXXX and DOB XXXX/XXXX/XXXX. This has shown up on my XXXX credit report for the last 3 years and been cleared by disputing it. Now XXXX says that they have checked with Commonwealth financial systems and it is my debt. 
I called on XXXX/XXXX/XXXX and spoke with XXXX at Commonwealth and he assured me that the situation would be rectified. As of XXXX the dispute says that Commonwealth Financial Systems confirmed it is my debt. I did speak with XXXX XXXX at Commonwealth who wanted me to send copies of my social security card and drivers license to them to verify. I will not give out my information to them as they are the ones that made the error and I am concerned about them breeching my privacy again

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-01
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Privacy

Complaint:
Shortly after Synchrony Bank approved me for a JC Penny Card, with a {$500.00} credit line, and an upgrade to the JC Penny Gold card Synchrony Bank notified me in writing that they have XX/XX/2016 that they have lowered my credit line to {$100.00} Currently as of XX/XX/2016 Synchrony Bank is being sued for these deceptive credit card practices, and in my case Synchrony Bank lured me in using the hook and bait method by even upgrading me to the JC Penny Gold Card still only {$500.00} credit line that got reduced to a {$100.00} credit line because they found my credit score was low. My credit score was not checked before they even issued me the plain JC Penny charge card Synchrony Bank has been doing this practice of issuing JC Penny cards than lowering someone 's credit score, even to their own employees as I was told it was done to a JC Penny employee at the JC Penny XXXX Mall. I would think this is not only deceptive but also illegal. Should I have a case an Attorney sees my complaint please contact me immediately as I would definitely go after a lawsuit against Synchrony Bank because it seems they purposely issue JC Penny charge cards and upgrade the charge cards shortly just to ruin their consumers credit. Synchrony Bank needs to be punished like GE Capital was pay hefty fines so they no longer can exist in business and the Synchrony Bank employees be put in Federal State Prison for XXXX or more years. 
My second desired settlement is to give me the higher numbers back on my credit score. And remove information that does not even apply to me like living in XXXX NJ

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 2022-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
( 1 ) opened 1 safety box on XXXX, box number # XXXX, {$51.00} service fee to be waived for premier customer ( 2 ) had problem with the keys, closed # XXXX and opened a new box with box # XXXX on XX/XX/XXXX ( 3 ) I have everything auto pay and accounts linked as premier customer and believed 1 safety box I had should be free of charge from the waiver ( 4 ) but while talking to customer service, they found that there were 4 charges on my account XXXX : {$51.00} XXXX : {$51.00} XXXX : {$51.00} XX/XX/XXXX : {$51.00} ( 5 ) also they found that the safety box # XXXX was still assigned for me and not closed properly causing those fees Bank of America made error by charging me for the safety box I no longer have ( 6 ) asked them to refund overcharged 4 of {$51.00}, {$200.00} but the lady said I have to visit branch and explain and ask to see if they can do something I made many phone calls for long time already and bank of America is being negligent and irresponsible again over their old negligence I want my {$51.00} X 4, {$200.00} back Person I spoke : XXXX at customer service XXXX at Safety box department in XXXX XXXX Person who refused to help further and sending me back to the branch : XXXX XXXX XXXX Officer & Proficiency Coach Complaint # : 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 monetary relief
Consumer complaint received 2016-03-08
Company: Stearns Ventures, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I informed ( via phone ) Stearns Lending Co. that they had incorrectly recorded my mortgage insurance premiums on my XXXX on XXXX/XXXX/2016. I was told to send an email to XXXXXXXXXXXX. I did so on XXXX/XXXX/2016 and received an acknowledgment that my email was received and that my issue was being managed. As of XXXX/XXXX/2016, the form still was not corrected, so I emailed again. As of XXXX/XXXX/2016, the form was still not corrected, so I called and the agent told me a supervisor would call me in 48 hours. I emailed again that day, as well. I never heard from a supervisor at Stearns. As of XXXX/XXXX/2016, I sent multiple emails and called. I was transferred to a supervisor 's voicemail who never returned my phone call. As of today XXXX/XXXX/2016, the form is still not corrected. I have emailed yesterday and today. I do n't know what to do at this point since no one from Stearns will correct the form, even though the representatives that I have spoken to on the phone have acknowledged that the form is wrong per their records ( but it 's another department that corrects XXXX forms ).

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 2022-01-03
Company: Experian Information Solutions Inc.
State: CO
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 reached out to Experian several times, but on the page 2 of my report it says 1 account with late payments .... However no account on my credit shows a late payment, I have never made a late payment. It also says 2 % of accounts with late payments however that again isn't true and no accounts show late payments. 
XXXX XXXX said they did not report it as late payments. 


Also XXXX XXXX XXXX, I had a lease and my car was totaled, and I paid every payment, once the car was totaled it took a bit for the insurance to clear but I paid off the amount an asked to pay. As I recall XXXX and I went back and forth about some things that were unfair and we agreed to a settlement where they agreed not to report anything that negatively impacted my credit and yet after I paid they did that.

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 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have wrong addresses and phone numbers on my credit report, I have not lived at all these addresses. There should only be one address on there and that is XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX that's it. Please remove them from my credit report because they are inaccurate.

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 2017-01-09
Company: PNC Bank N.A.
State: MD
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have a balance of XXXX plus dollars on my account and there should be a XXXX dollar balance currently as all transactions were fraud on the account since XXXX. I filed multiple claims multiple times but they never got back to me or re-credited my account. I do n't even see credits from large fraud charges to merchant. PNC has not even proved to me that I made the charges. IF I know I did not make the charges, then how does them simply doing an investigation that does n't even entail any real proof make them correct and me wrong? There are many more charges of all kinds that I have not received credit for even though I claimed them as fraud and the investigations are now all complete. I should get all my credits valuing to the amount of my current total balance. I can not even see the statements at this point thus I do n't even know what charges PNC is holding my liable for as of now that equals my total current balance. This has already disrupted my credit report, so I also seek additional compensation for damages caused by them not changing my revolving my balance on time and having this account in bad standing for 6 months or more, for no reason, and I should not have to be responsible for such damage. If I knew PNC would have such poor response rate and fix to fraud charges, I would not have signed up for this credit card. I am even a preferred card member where I pay an extra XXXX dollars a year. They should treat me better than this. This is my third complaint against PNC now using this CFPB service. They still have not done anything. I have not seen any proof that any of those charges were mine ever since they occurred back in 2015. All the charges on the account, I have not even seen statements, hence I do not recognize any of the charges on this account at all. It has been a year and a half almost two years, and I have not seen credits. The policy of the card is such that if the customer does not recognize charges, PNC provides credits, and PNC still has not done so ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: JPMORGAN CHASE & CO.
State: CO
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 reached out to XXXX several times, but on the page 2 of my report it says 1 account with late payments .... However no account on my credit shows a late payment, I have never made a late payment. It also says 2 % of accounts with late payments however that again isn't true and no accounts show late payments. 
Chase auto said they did not report it as late payments. 


Also JPMCB Chase Auto, I had a lease and my car was totaled, and I paid every payment, once the car was totaled it took a bit for the insurance to clear but I paid off the amount an asked to pay. As I recall chase and I went back and forth about some things that were unfair and we agreed to a settlement where they agreed not to report anything that negatively impacted my credit and yet after I paid they did that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-14
Company: BMW Financial Services NA, LLC
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
While reviewing my XXXX AND XXXX credit report, I noticed an unauthorized and fraudulent inquiries initiated by BMW FIN SVC on XXXX/XXXX/2015. I did not authorize any employee of BMW FIN SVC to review my records for any purpose at any time. Further, I personally contacted BMW and requested that this adverse information be deleted from my report and/or provide me with any verifiable documents signed by me authorizing them to review my reports within 5 business days. T o this extent, BMW FIN SVC disregarded my request in clear violation of my civil rights under FCRA and PRIVACY RIGHTS Act. As a direct result, I have continued to suffer irreparable economic loss including but not limited to my inability to secure meaningful employment, housing and/or obtain new credit, due in large part to the gross negligence of the BMW FIN SVC employees acts and omission.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: BB&T CORPORATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XXXX/XXXX/16 i was charged an overdraft fee of {$36.00}, not once was i notified of being over drawn so i had no chance to correct my banking mishap before being charged justly. Called into their XXXX BB & T support line XXXX after speaking with the rep was told i was given a reversal short of right after BB & T took over Susquehanna bank and they can not reverse the fee as its policy they only credit it back once per customer. The fault is mine for the money not being there the fee is their fault for not properly notifying me as the consumer to get the issue resolved ... it could have been days before noticing my account was overdrawn which for them would be a sweet {$36.00} a day still not notifying the customer of such issue. Spoke to the supervisor who refused to reverse it as a supervisor still has no rights to credit it back manager etc so policy 's jacked. Supervisor advised i am correctly signed up for all email and text alerts and that tech team will call the following day to troubleshoot the issue with alerts, the following day got no call from the techs had to manually call back in. Speaking with the tech, who refused to open or look at the ticket # i provided right off the cuff, not till i got irate did he then look at it and say it honestly means nothing -- he then told me that they lied and i was not set up for text alerts. XXXX department to another they can not get their answers straight as they are at fault and still refuse to credit back the fee in their negligence to notify me properly. Then also i found out tonight they charge customers a fee of {$2.00} per call after your first XXXX calls in the billing cycle not once was i advised of such fee and then again unjustified have been charged without a word edge wise to prevent such fees. This needs to be corrected and they need to get straightened out as they are making a killing robbing from their consumers. Thank you for taking the time to review this request and any actions taken to resolve this matter. Have a great day folks!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I applied for a credit line increase on my Capital One card ending XXXX on XX/XX/XXXX. The application for the increase was reviewed and denied. In their reasoning for the denial they stated the denial was due to my credit score and note the score was derived from a credit report dated XX/XX/XXXX. I called to try and get an answer regarding why a decision on a credit application on XX/XX/XXXX was made using out dated information from XX/XX/XXXX and was just told thats the decision capital one decided to make my credit score has increased since XX/XX/XXXX so if accurate and updated information had been used the decision could have been different. I would like my request to be reconsidered based on updated information at the time of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
HI, The company EOS CCA XXXX XXXX XXXX XXXX XXXX XXXX keeps sending me letters when I 've told them over and over that I never had this account with XXXX XXXX XXXX balance at all XXXX XXXX XXXX verified that there is a XXXX balance since XXXX account # XXXX Please get this company to STOP Thank you XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: SYNCHRONY FINANCIAL
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
XXXX XXXX XXXX ( MCM ) purchased a charged-off account of mine from Synchrony Financial. The account was opened in XXXX in XXXX, NM. I never received a letter regarding the debt or collections actions, and never had an opportunity to dispute the debt. 

In XXXX, XXXX assigned my case to a law firm who filed suit against me in XXXX XXXX, Missouri where I do not reside. In attempting to serve me with paperwork ( on XXXX XXXX, XXXX ), regarding the lawsuit, the service was returned with the message that I did not reside in the county. So far, I have not received any information about this suit, and the only way I know about is by searching my name ( after being denied an apartment rental partially because of this case ) in Missouri 's court records website. 

No action was taken after XXXX XXXX, XXXX to locate or contact me. In XXXX XXXX a notice was given ( supposedly to both parties, though I did not receive it ) that the case was scheduled to be dismissed because no action had been taken for three months. In response, the law firm suing me filed a change of venue request as a stalling tactic. To date I still have not received any mail or service regarding this collection activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Experian Information Solutions Inc.
State: NJ
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:
Fraud XXXX  account on Experian credit report

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 2016-07-28
Company: PNC Bank N.A.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
A few months ago, I had an overdraw on my checking account at PNC bank. I filed a complaint to the bank saying that I rarely overdraw and if there was any possible way I could be reimbursed for the overdraft. While I was waiting for an answer back, they added another charge on the account for the overdraft even though my complaint was not answered. Finally, an employee got back to me about my overdraft case via telephone, but the line got disconnected, and the man never called me back. From what I have gathered by contacting PNC multiple times to resolve this problem is, this man decided that the charges on my account were valid and would not give me a refund. He did not explain this to me or have the decency to call me back, and every time I tried to get this problem resolved they said there was nothing they could do because the man I spoke to already made the decision to not reinstate the funds. I was charged with over 100 dollars in banking fees because of this issue. I have called the company to complain about the issue, which the representative told me she would file a complaint about the disconnected call and how the man never called me back, but I never heard from them again. 
Furthermore, when I started the account the PNC employee that set up my account gave me the most expensive checking account, claiming it was free because I have a mortgage with them as well. When I sold the house and no longer had a mortgage through this bank, they then began charging me banking fees. I went into the branch twice to switch my account to a student checking account or a basic one, and each time they told they would, yet they never did and I was still charged the same monthly banking fee. 
I have since canceled my account because of the extremely poor customer service. I also tried to retrieve the banking statements from the month of the overdrafts, but my account login does not work now.

Company response to consumer: Closed with monetary relief