BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Citizens Bank charged me {$160.00} in fees for a {$16.00} overdraft. 

On XX/XX/XXXX, I was billed {$39.00} for my phone bill at which point I had {$23.00} in my bank account. That lead to an overdraft of {$16.00}. 
The next day, I was charged a {$37.00} overdraft fee. And every 4 to 5 days following that, I was charged {$30.00} ( I was charged 3 times ). On XX/XX/XXXX, I was charged {$35.00}. 
The total of all the fees added up to {$160.00}. 

I had no knowledge that these fees were piling up as I was never notified through email/text/phone. The only way I would've known was if I had logged on to my account, or until I received a final notice on XX/XX/XXXX in my mail that they were going to shut down my account and notify the creditors, threatening that " this will have a negative impact on your future banking privileges '' unless I paid the overdue amount. 

On XX/XX/XXXX ( the day before I received my " final notice '' ), I had luckily logged on and that's when I noticed I had accidentally billed the wrong bank account and that I had a ridiculous amount of overdraft fees. I immediately called and asked them to waive the fees. The service rep told me that they will provide a one-time waiver, but it was only {$70.00}. I was still down {$90.00} on my {$16.00} overdraft, so I kept asking to waive the entire fee and talked to multiple reps, but they were adamant that the system would only refund once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I AM A TRUIST BANK CUSTOMER. I WENT ON LINE AT THE TRUIST WEB SITE AND SENT {$1500.00} VIA XXXX TO REGISTERED XXXX PERSON ON XX/XX/2022. I RECEIVED A CONFIRMATION ON XX/XX/2022 AT XXXX PM : " PAYMENT UNDER REVIEW. YOU'LL BE NOTIFIED SHORTLY WHEN ITS STATUS CHANGES ''. THERE WAS A PHONE NUMBER AND A REFERENCE NUMBER ON THE NOTICE. 

SO FAR THE {$1500.00} HAS NOT REACHED ITS DESTINATION. I TRIED TO CALL XXXX YESTERDAY AND WAS ON HOLD FOR XXXX MINUTES. FINALLY A LADY ANSWERED WHO SAID THERE ARE SOME ISSUES WITH XXXX AND SHE COULD NOT HELP ME BUT A REPRESENTATIVE WOULD CALL ME. OF COURSE, NO CALL. 

NEEDLESS TO SAY I AM LIVID!!! WHERE IS MY {$1500.00}???? IT HAS BEEN DEBTED FROM MY ACCOUNT, BUT HAS NOT REACHED ITS DESTINATION. WHERE IS IT? 


I SEE THAT XXXX XXXX XXXX XXXX HAVE SENT COMPLAINTS TO XXXX 'S PARENT COMPANY, XXXX XXXX XXXX, XXXX. 
I WANT AN ANSWER... .WHAT IS GOING ON?

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 2022-12-02
Company: Paypal Holdings, Inc
State: DE
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a new account with Venmo because my old account was no longer active. After trying to withdraw money that was sent to me out of my account, I was unable to because Venmo had said that my account was frozen. I tried reaching out to tell them that I only have my XXXX ID available and they said that they would not be able to take that and I have {$58.00} in my account that I need access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bought my Home for {$410000.00} and put 5 % down at closing. Appraisal came in at XXXX. With remaining balance and the appraisal that came in I have over 20 % equity for my home but since my original loan was sold Chase mortgage can figure out how to drop PMI now as the system says I can't drop it until I reach remaining balance of {$310000.00}. I would have over {$100000.00} in equity and a loan to value ratio of 75 %. I am already below there ltv of 80 % needed to drop PMI but they refuse as this what the system generated when they purchased my mortgage from original lender and refuse to make it right without me paying additional costs that are not needed to drop PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Professional Placement Services, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX, XXXX, and XXXX, I wrote to Professional Placement and XXXX XXXX XXXX that they wrongfully sent out the bill and do not owe the money they have built. I also informed the Professional Placement Services in a separate bill that the debt is in dispute and I am in contact with XXXX XXXX XXXX to solve the issue. However, they chose to report the disputed debt to credit agencies which are against the law. 

Before Professional Placement Services, XXXX XXXX XXXX work with XXXX XXXX XXXX to collect the wrong debt and when I wrote them that the debt is not mine and I am disputing it, they chose not to report the debt to credit agencies. 

XXXX XXXX XXXX and Professional Placement Agencies chose to ignore my requests and continue to report the disputed debt ( wrongfully charged debt ) to agencies. 
Their illegal activities do harm to me and my credit reports and need to be removed from credit agency reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX XXXX XXXX, I disputed this account with Experian for a charged off account showing activity after the closed date in payment history. they came back verified but did not enter the required comments Disputed by Consumer now they need to remove this account for violations attached a screenshot of report to show the missing required disputed by consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I ordered a bedroom set from XXXX on XX/XX/2022. The bedroom set arrived at the local courier ( XXXX ) XXXX, however XXXX couldn't locate the items. We kept following up with them until XXXX, they had no trace of the items. At that point we ordered another bedroom set from a different company and asked XXXX to cancel our order and refund the money ( {$5000.00} ). 

Come XXXX, XXXX found the items and insists on delivering them, we no longer need the items as they were deemed missing for over XXXX months. We called Capital One to dispute the charges and had no avail. We called XXXX and they are trying to charge a return fee of {$1500.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-02
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have two credit cards through come out. Victorias Secret and XXXX. Im unable to make any payments and it has been for well over a week now and you can not get in touch with Comenity. I dont want this affecting my credit score or to be charged late fees due to their system problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Experian Information Solutions Inc.
State: TX
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-12-02
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have filed a dispute with the credit reporting agencies in regards to medical information reporting on my credit report. I still have not received any information in regards to my complaint. This is really hindering me from moving forward financial. It has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response Please remove this inaccurate information from my credit report as soon as possible. Thanks in advance

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 2023-08-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2023 I got a debit in my checking account that I did not recognize from XXXX XXXX. The XXXX XXXX representative and I looked up the name on the Internet. XXXX is the abbreviation for an environmental agency. XXXX XXXX is a rap song. The rep closed my account and we set up a new one. XXXX  XXXX XXXX showed that the automatic draft was returned because the account was closed. XXXX  XXXX XXXX reported my payment late to the three credit bureaus and assessed a late fee. I had my credit union send me a letter explaining that my account was compromised and forwarded it to the credit bureaus and XXXX  XXXX XXXX. At the beginning of XXXX, I noticed that XXXX XXXX had debited my account again. The XXXX XXXX closed the account and reopened another one. I paid XXXX  XXXX XXXX from the new account. I contacted the XXXX, XXXX XXXX, and explained what had happened again. I also sent him a letter from my XXXX XXXX. He said that he could not make another exception. I called my credit union for help. A representative noticed the abbreviation might belong to XXXX XXXX XXXX. I was very surprised because they drafted for the past three years under Bank XXXX XXXX. I asked XXXX to make the corrections, but he refused.

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 2022-07-02
Company: EQUIFAX, 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: Report provided to employer without your written authorization

Complaint:
Inaccurate and erroneous information reported on my credit account, and the credit companies arent complying with their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio calls every day from different numbers. They refuse to provide accurate information regarding the debt and insist I make payments. They refused a settlement amount which has resulted in me having to seek medical care for the harassment. This company harasses consumers and makes it impossible to come to a resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/22 I attempted to log in to my online banking account with Truist. I was immediately logged off. I attempted this 2-3 more times to no avail. My only goal was to check my checking account balance and transfer funds if needed. 

I then called the automated line to try to check my balance over the phone. The online system would not understand my social security number, which I entered about three times. I then attempted to speak with an operator and was told wait times are over an hour. I do not have time to wait on the phone for an hour or more. 

Currently, I have no way of accessing my funds at all. This is much worse than the recent complaints I have sent you about this bank. In those situations I couldnt transfer money but could at least see my balances. I can do neither now. 

The bank has an active social media ( XXXX ) account, yet it provides zero updates about this problem despite numerous complaints being posted in the last two hours. Nothing is mentioned about this there or on the banks website. It is extremely stressful to not only have no way to access my account but to have zero acknowledgment by the bank that a problem even exists, much less is being fixed. Communication with customers is not one of this banks values or concerns.

My worry is that it is almost the weekend. Historically, when this bank experiences problems on or close to the weekend, nothing happens. No one works on it and any progress made comes to a grinding halt. Im quite fearful this will be the case again this weekend. 

I need to access my account to pay bills and make transfers - and, if nothing else, because this is my money and I have a right to know whats going on with it. This bank is bafflingly incompetent when it comes to its online banking system and customers are paying the price. 

I strongly encourage bank regulators to investigate Truists unethical ( at best ) banking practices.

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 2018-09-26
Company: GOLD KEY CREDIT, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
Hospital bills Repeated amount of XXXX $ and a creditcard that was paid over a year of XXXX $

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
Equifax states they have free service and then try to charge {$4.00} and create an account. I created an account and paid {$4.00}. Then I am not able to log in and have to call a number. Then I am told I have to pay {$19.00}. I called back and was hung up on. I keep talking to someone overseas and they will not assist unless I pay {$19.00}. The last time the lady disconnected when I told them it was fraudulent. 
Now they have all my information and I am not able to log into myequifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX. XXXX & Fair Debt Collection Practices Act 15 U.S.C. 1692, EQUIFAX, has violated my rights. 

Under the civil liability and the remedy available to me ( Section 616 & 617 ), EQUIFAX, failed to comply with Federal Law and because according to the FCRA consumer law which I should be compensated {$1000.00} per violation in accordance to FCRA as follows : 15 U.S.C 1681 section 602 A. States I have the right to privacy which was violated. 
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 which was violated. I havent given these accounts written permission to furnish these accounts on my credit report as well! 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate which was violated. 

Additionally, in EQUIFAX initial investigation which I stated to EQUIFAX, they did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). 

Furthermore, EQUIFAX have failed to provide the method of verification as required under Section 611 ( a ( 7 ), which they were advised that under Section 611 5 ) ( A ) of the FCRA, they are required to promptly DELETE all information which can not be verified, if not, compensation will be {$1000.00} to me per violation in accordance to FCRA as the violations cited previously. 
Furthermore, EQUIFAX have failed to provide the method of verification as required under Section 611 ( a ( 7 ), which they were advised that under Section 611 5 ) ( A ) of the FCRA, they are required to promptly DELETE all information which can not be verified, if not, compensation will be {$1000.00} to me per violation in accordance to FCRA as the violations cited previously. 
EQUIFAX have violated my rights even more. In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. EQUIFAX, stated my account was properly investigated but how is that possible if the account type, comments, and payment history show inaccurate showing current from XX/XX/XXXX thru XX/XX/XXXX yet the account payment status show Collection/ChargeOff????!!! ( see credit report pulled XX/XX/XXXX vs prior report of XX/XX/XXXX screenshots ). This is still showing the same incorrect and inaccurate information!!!! 

Additionally, the law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance '' ( Section 617 ) which EQUIFAX has failed to comply which I am enforcing my rights under the FCRA. 

This is grounds for REMOVAL!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: JPMORGAN CHASE & CO.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
To Whom This May Concern : This is your warning! It has come to my attention that I, XXXX XXXX XXXX, a natural person, pursuant to 15 usc 1602e am fully aware that there is evidence of your company illegally attempting to collect an alleged debt on behalf of JPMCB CARD. Pursuant to 15 usc 1692a ( e ), you are using false, deceptive and unfair debt collection practices to attempt to illegally collect an alleged debt that you say owe in the total amount of {$10000.00}. I am declaring that I refuse to pay the alleged debt/s that you claim I owe pursuant to 15 use 1692c ( c ) & 1692b ( 2 ). Pursuant to my consumer rights under the Fair Debt Collection Practice Act 15 usc 1692c ( c ) ( d ), I am demanding that you stop all communication with me stat, as well as any person, organization and/or business in relation to me regarding this and all other alleged debts you claim I owe unless it is for the purpose of advising me, XXXX XXXX XXXX XXXX a natural person that the illegal collection efforts of the said alleged debt/s has been terminated. 
Correspondence addressed to " XXXX '', or any other entity will be refused, as that is not my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
TD bank allowed someone to open an account in my name and address. I contacted them to report this account was fraudulent, after receiving a bank statement. I spoke with their fraud department, who assured me the account was being closed. However, I just received another bank statement from them for this fraudulent account. I will be personally driving to the closest bank branch to demand answers as to why this account was not closed. I have never had an account with this bank and never will.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: FL
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:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 
XXXX XXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).

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