BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-28
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX of XXXX I opened an account online with chase so I had a place to do direct deposit. They received my check ( amount of {$1500.00} that was issued on XX/XX/XXXX check number XXXX XXXX XXXX ) and then put it on hold. Well when the hold was released then they closed my account as soon as I tried to withdraw some money from it. Ive called multiple times asking for explanation and to get my money back. They keep saying they cant verify travelers insurance the one that issues my money checks. Ive talked to XXXX XXXX about it and they said the check has been cleared and have given me numbers for chase to call and verify. But chase is denying and saying no number can be verified through their system which does not make any since because for one the numbers all go to the XXXX XXXX  which is the correct place ( I verified for myself ) so how can they not verify it and another thing they already received the funds because the check was cleared, so obviously the check was good because they have the money already. But yet they will not release my account and give me my money back. Its been almost a year since theyve stolen my money and yes thats what they have done stold from me. 
I get a monthly check through XXXX XXXX because I fell and broke my hip back in XXXX of XXXX and XXXX XXXX XXXX, had to have a XXXX XXXX done. So I get {$1500.00} a month until I received the entire amount that they owe me. I never had issues cashing this check from them so I dont understand why Chase is not able to verify them. Its a world wide known insurance company, it shouldnt be so hard. I have tried every approach to get my money back but they keep saying the same thing and wont help me to get the money they owe me back.? It will be a yr in XXXX and Im not getting any interested from them keeping my money either. Its unfair and they have no right to keep my money from m. How can I fix this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 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 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 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 2017-03-24
Company: PNC Bank N.A.
State: PA
Product: Credit card
Issue: Rewards

Complaint:
PNC bank mailed me a physical letter advertising my pre-approval for a new credit card with a promotional bonus of { {$100.00} } upon meeting certain requirements. After meeting the requirements no { {$100.00} } bonus was received. I spoke to a PNC Bank ( 800 number ), the Branch ( both in person and on the phone ), then the their escalation department and then their department that oversees escalation to further escalate the escalation. They are aware of the offer, but state that I am not eligible to receive the { {$100.00} } offer because my wife with a shared checking account had previously received a bonus year ( s ) prior. I still have the mailed printed offer explicitly outlining the terms of the disputed offer, and it contains no terms describing that I would be disqualified. It does specifically state that, " If multiple credit cards are opened with the same primary borrower, only XXXX credit card account will be eligible for the {$100.00} offer. '' I have never applied for PNC Credit Card before so I should be eligible for the {$100.00} offer. 

If not for the bonus offer I would not have opened the line of credit which harms my credit score, affecting loan rates, and costing me time managing the credit line. Till this day, both my wife and I receive numerous PNC Credit Card Offers with bonus. If their rules had stated, WHICH IT DID NOT, that only XXXX credit card bonus per household may be eligible and given, then I would not have applied for the credit card. I believe this is false advertising among other things. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
NOTICE TO RECORD MORTGAGE SATISFACTION PIECE TO AVOID PENALTY Date of notice : XX/XX/XXXX To the mortgagee named below : The party issuing this notice believes that the mortgagee of the mortgage described below has received full satisfaction and payment of all amounts secured by the mortgage, including any applicable satisfaction fee ( XXXX**the party is able to record the satisfaction in their locality and is therefore requesting that the satisfaction be sent to them ), and that, where applicable, the mortgagee has been instructed in writing, effective as of the date and time of receipt of the mortgage payoff figure, to close and decline any further advances on any open line of credit which was secured by the affected mortgage. The party issuing this notice hereby requests that the mortgagee issue and present for recording a satisfaction piece concerning the mortgage or provide a satisfactory reason why the mortgage should not be satisfied to the party issuing this notice. If you do not comply with this notice, you may be liable for penalties and costs in accordance with the Florida Statute 701.04 ( 2 ) known as the Mortgage Satisfaction Act, or the party issuing this notice may be able to satisfy the mortgage without your consent. 
Name of mortgagor : XXXX XXXX, XXXX XXXX Name of mortgagee : SunTrust Mortgage , Inc . 
Name of Servicer : SunTrust Mortgage , Inc . 
Name of ( original ) mortgagee : SunTrust Mortgage , Inc . 
Name of last assignee of record : SunTrust Mortgage , Inc . 
Date of mortgage : XX/XX/XXXX Amount of mortgage : {$530000.00} Recorded in XXXX XXXX, Florida, Instrument # XXXX, Book XXXX, Page XXXX recorded XX/XX/XXXX Brief description of premises covered by mortgage : Property known as XXXX XXXX XXXX, XXXX, Florida XXXX Mortgagee loan number ( if known ) : XXXX Name of party presenting this notice : XXXX XXXX, XXXX XXXX XXXX Address of party presenting this notice : XXXX XXXX XXXX XXXX, NJ XXXX Telephone number of party presenting this notice : XXXX Additional Information : See attached XX/XX/XXXX screen shot from SunTrust Mortgage , Inc. showing zero balance

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 2023-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
XX/XX/XXXX - went to XXXX to open credit card, found out there is a Bank of America credit card opened under my credit journey XX/XX/XXXX - went to Bank of America and explained situation, they searched up my SSN and could not find an account under it but the account is still showing up on my credit journey, I discovered the account is linked to someone elses name and birth year and incorrect addresses Bank of America filed a report I called XXXX XXXX XXXX they help file a report, logged down the fraud info and corrected the XXXX XXXX XXXX info and they are waiting for me to send in a pdf to confirm the info to update the system, they also referred me to file this 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 2023-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed all of my accounts with Bank of America on XX/XX/ 2023. I spoke on the phone with a representative, XXXX at the company and withdrew all of the money from the accounts. Last week, I checked the account to ensure it was closed before the start of the new year and discovered they did not close the account and have continued to charge me various maintenance fees. The primary reason I closed the account was because of their lack of transparency and false fees that they refused to credit. I called a representative in the XXXX XXXX department of BoA, named XXXX. She claimed that I never actually closed my accounts because there was XXXX dollars in the account. She said all fees were valid because the bank credited the cash back from my credit card to the account, thus not closing it. When at the time of the first call to close the account, there was a XXXX balance. XXXX continued to change her story, would not return calls or investigations in a timely manner, allowing more fees to accrue. She claimed to not be able to find any of the calls I made with various employees over the past year maintaining that all fees were valid, when they were not. She said the account will not close until I pay the fees accrued after I closed the account the first time. When there should not have been any fees since I was told I closed it. I believe the employees at Bank of America are trying to commit fraud. They have lied about fees, and whether they have done the things I have requested. This needs to be investigated.

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 2022-05-06
Company: TD BANK US HOLDING COMPANY
State: GA
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:
Requesting 30 day late payment removal under the CARES Act. 

On XX/XX/XXXX, at XXXX I spoke to a TD AUTO FINANCE rep who confirmed they made an accommodation on XX/XX/2021 to waive my late fee of {$18.00} for my 30 day late payment for XX/XX/2021, Because TD auto finance gave me an accommodation, under the CARES Act they are no longer able to report my account late on my credit report. I explained to the rep but she informed me that she was unable to do so.I would like my TD Auto finance 30 day late payment to be reported on time instead of late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never opened a credit card account with this company. This account was opened fraudulently. I have contacted them previously over the phone and told them. Please remove this.

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 2023-07-14
Company: Experian Information Solutions Inc.
State: MI
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 tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

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 2022-05-06
Company: EQUIFAX, INC.
State: MI
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  accounts- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Has violated my rights 15 usc 1681 section 602 A states i have a right to privacy. And also 15 usc 1681 604 A section 2 also states a consumer resporting Agency can not furnish a account with out my written permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: WELLS FARGO & COMPANY
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I mailed a cashier's check with principal payment only of $XXXX noted on the check with the account number at the end of XX/XX/XXXX.  Wells Fargo claimed to have received the payment on XX/XX/19.  They received my regular mortgage payment in their records on the XX/XX/XXXX; they applied only my mortgage payment and left my principal payment in a unapplied funds account which is causing my mortgage to accrue compounding interest on funds they received and never applied prior to the application of funds for my XX/XX/XXXX payment.  This is not the first time they have done it, and I am tired of contacting them for it not to be corrected in a timely manner and thus charging me more interest than is legal because they left the funds in an unapplied account.

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 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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  Account # XXXX, has violated my rights. 

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

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

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 2022-05-06
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 1681 Section 602 States Im have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer repoting agency can not furnish account without my written instruction.

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX has sent my information to XXXX XXXX XXXX for an account that was opened in XXXX they have restarted the account date showing account was opened in XXXX of XXXX which is false and illegal.

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 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-28
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXX XXXX XXXX XX/XX/2023 {$1000.00}

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
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 have notices accounts on my consumer report that should not be furnished. I have done some research and have provided all the proper documents to have these accounts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XXXX XXXX XXXX XXXX XXXX IRA funds for my sister XXXX XXXX XXXX Upon XXXX 's death her IRA funds were to be distributed equally between XXXX 's XXXX siblings, one of whom was me, XXXX XXXX XXXX XXXX. I and my husband have worked for months to arrange a transfer of those funds to my XXXX account, but XXXX has repeatedly found excuses to not transfer the funds i.e. keep the funds. XXXX representative XXXX XXXX stated that if we were to open an account at XXXX, the transfer would be easy. This appears to be a crass attempt to keep the funds at XXXX. In desperation we have surrendered and opened an account at XXXX. Mean-spirited way to act, in my humble opinion. Also my other siblings have not been paid either. 
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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX

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