BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-30
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
This concerns my attempt to help 2 of my friends cash their savings bonds. Their names are slightly incorrect on the bonds so their bank would not cash the bonds for them. I contacted the Dept. of Treasury ( DOTR ) and got the forms and instructions to resolve this situation. Their forms to use are FS Form 0385 and FS Form 1522. The process according to DOTR instructions is this : I fill out the appropriate form and take it to my bank or financial institution and they are to XXXX XXXX my signature ( verifying I am who I am with proper identification ). A notary stamp will not do. After that, my friends are to fill out their forms ( which I sign also ) stating that their names on the bonds are slightly incorrect and they are actually the person on the bonds. Interestingly enough, they do not have to have their signatures notarized or XXXX XXXX since the amount of their bonds are less than {$1000.00}. So the DOTR has this clear cut process whereby I am certifying who these people are so that these they can cash their bonds. However, my bank, Truist Bank, that has the XXXX XXXX, refuses to use it on my signature in compliance with the DOTR procedure. They refuse to do this because ( get this! ) they have not seen this process before so they won't look into it and do their required job. I have never seen this process before either but I took the time to it learn about it and follow the DOTR instructions to resolve this problem. The people at my Truist Bank XXXX location that refuse to help me are : XXXX XXXX, XXXX, XXXX ; and XXXX XXXX, XXXX, XXXX. Please help 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 2021-06-03
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021 around XXXX, I wanted to log into my chase bank account and found out that my account was locked. I called chase bank at XXXX XXXX that same day to know why my account was locked and the agent that I spoke with told me that my account has been closed and I can not bank with chase bank anymore, the money that is in my will be mailed to me in seven ( 7 ) to ten ( 10 ) business days either as cash or by check. The agent refused to tell me the reason for my account being closed when asked. I told him that I need the money to put it in another account in order to take care of my financial obligations and he said nothing could be done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XX/XX/XXXX I authorized {$100.00} to be taken out of my checking account, they took {$1200.00} out of my account. Called them on the XX/XX/XXXX guy told me I would be getting a refund check for {$1100.00} in 3-5 business days got nothing in that time frame. Called back on the XX/XX/XXXX lady I talked to told me it should come on the XX/XX/XXXX again nothing.Called back on the XX/XX/XXXX 4-5 times that day couldnt get any help, dont know for sure if they kept hanging up on me or if the call kept dropping after they kept me on hold for 5-10 minutes each time.

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 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

1. XXXX OF XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2021-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received a promotional offer with an invitation code to the Bank of America XXXX XXXX  credit card. I used the code and applied on XX/XX/XXXX. On XXXX I received an email stating that my application could not be approved and a letter would be sent to describe why. On XXXX I received the adverse action notice with incorrect adverse action reasons. 

On XXXX I wrote an mailed a letter to the address provided on the adverse action notice. In the letter I stated : " There were XXXX adverse action reasons provided on my letter. The first is XXXX or more of your accounts were written off as uncollectible and/or have settled for less than the total amount owed. Neither of the reasons in this or statement are correct, and I have verified with the XXXX credit bureau as instructed on the letter. I have never had any outstanding loan not paid on time nor paid in full in my entire credit history. 

The second reason was Current or past delinquency on XXXX or more of your accounts with us and/or our affiliates. Again, I have never been delinquent, ever, in my entire life on any account including those issued by B of A  and its affiliates. I verified this fact with XXXX. 
" On XX/XX/XXXX I received a second adverse action letter ( Dated XX/XX/XXXX ) that was identical to the first. B of A completely ignored the context of my response and just resent the first letter a XXXX time. 

My complaint is that B of A is sending incorrect/invalid adverse action reasons on their denial letter. 

The reference number for my denial letter is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act Convergent Account # XXXX Total XXXX XXXX XXXX XXXX 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 a 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 2023-03-15
Company: Resurgent Capital Services L.P.
State: IL
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 I was Summons to court, being sued for a debt, the company Resurgent Receivables LLC claimed I owed. On XXXX XXXX a debt validation letter was sent certified mail. XXXX XXXX. I appeared in court, debt was not validated. on XXXX XXXX Resurgent Receivables LLC sent a letter by mail, still not providing the proper information as requested. XXXX XXXX I appeared in court case was dismissed, Motion To Dismiss Without Prejudice. This Collection still appear on my credit report. Please remove this inaccurate information as you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently received a Citizens Escrow Account Disclosure Statement dated XX/XX/XXXX. I have attached a copy of the statement ( page XXXX was intentionally omitted as it is blank ). 

You will notice on page XXXX of the attached Citizens statement showing my escrow activity for XX/XX/XXXX through XX/XX/XXXX, there was NO escrow payment indicated for XXXX, XXXX. While I realize that as of the date the statement was generated ( XX/XX/XXXX ) Citizens had not received any escrow payment for XXXX, it should have been estimated in the same way that the month of XXXX, XXXX was estimated. Citizens has only reflected XXXX months of escrow payments on their statement when there should be XXXX. 

I participate in Citizens ' bi-weekly mortgage payment program and my XXXX bi-weekly XXXX mortgage payments have already been made which Citizens ' online escrow records reflect as of today ( XX/XX/XXXX ) with an escrow balance of {$4300.00}. Once my XXXX payments are made ( which Citizens has appropriately reflected on the escrow statement as an estimate ), my closing escrow balance will be {$5700.00} and NOT the closing balance of {$4300.00} for 2021 Citizens show on their statement. 

This is relevant as Citizens is currently asking me to pay {$2700.00}, the difference between their incorrect XX/XX/XXXX opening estimated escrow balance ( {$4300.00} ) and the required opening escrow balance ( {$7100.00} ) as of the same date. 

To conclude, I believe the amount I owe Citizens at this point is {$1300.00}, the difference between your required balance of {$7100.00} and the correct opening balance of {$5700.00}. 

It should be noted that over the last week I spoke to XXXX different customer service representatives at Citizens ( XXXX of the XXXX was a supervisor and another of the XXXX was in the customer advocacy dept ). They all kept telling me that because the statement was generated on XX/XX/XXXX and no XXXX payment had been received at that point, my payment was listed as {$0.00}. I asked them why XXXX couldnt be estimated like XXXX was estimated and they really had no good answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been banking with M & T bank, and have been using the same account, for almost 25 years. On Tuesday XX/XX/2019, I received a letter stating that M & T bank will no longer be able to conduct business with me and they would be closing my debit card on XX/XX/XXXX, and my account on XX/XX/XXXX without any explaination.I have another joint account with my wife, and that account has been already closed. Ive been to my current branch as well as another branch, been given 4 different numbers to call, and spoke with at least 10 different people, and no one knows a XXXX XXXX thing. No one can even answer a simple question : " WHY ''. Its incompetance at its best. NOBODY from M & T cares and after 25 years, now i have to close my accounts and bank with one of their competitors. I have requested total activity paperwork on my account from many years back so i can at least start my own investigation on why this happened and i will do it with out no help from M & T bank. Fine, They just kick loyal customers to the curb because some XXXX that sits and watches a monitor all day suppossedly saw something that " didnt look right ''. Okay, so instead of working with bank manager to figure out, M & T would rather say see you later and dont come back! UNBELIEVABLE!!! Can not believe this is happening. So UNPROFESSIONAL!!!

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 2023-10-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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:
XXXX There were inquiries that I didnt authorize on my credit report all inquiries thats on XXXX equifax XXXX there are unauthorized use some XXXX have been using my information I have not applied to any of these companys

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: WELLS FARGO & COMPANY
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX, my mother was diagnosed with XXXX XXXX XXXX XXXX XXXX. In XXXX of XXXX, she filed for XXXX protection with her mortgage lender, Wells Fargo. In XXXX of XXXX, she passed away in the XXXX unit at XXXX XXXX XXXX. I am a XXXX adult who lived with her and helped pay the bills, but she used her retirement to pay most of them. When she passed, there was very little left in her retirement and she had no future planning. The funeral was paid and there was not much else left. 

The XXXX forbearance continued until XXXX of XXXX, when Wells Fargo informed me that the forbearance had run out. I went through the process of becoming the confirmed successor in interest, as my mother had left me the house. I was told by the company that when I became confirmed successor in interest, I would be able to have the forbearance added to the end of the loan and pay the loan as usual. 

I have been told now, though, after I am confirmed successor, that I must bring the account current and that the two mortgage payments I made ( {$1100.00} ) are only towards the back pay and not to bring the account current, as I was told by a young man named XXXX at the Account Resolution department that they would. 

Even though I am confirmed successor, I am being forced to assume a loan I will not be approved for, damaging my credit and losing my house. I feel as though this is contrary to both the spirit and the intent of the XXXX mortgage relief. Who, after a GLOBAL pandemic, is going to have an extra 18 months worth of mortgage payments sitting in their bank account if they couldn't pay them at the time?

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 2020-07-28
Company: EQUIFAX, INC.
State: AR
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 went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. DPT ED XXXX XXXX {$4500.00} DPTE DXXXX   XXXX {$2100.00} DPTEDXXXX XXXX {$1600.00} DPT ED XXXX {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: M&T BANK CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021, we applied for a cash out refinance of our mortgage through our current lender, M & T Bank, via their website. By XX/XX/2021, we have heard nothing. I sent an email to the contact lender generated at the time of application. Her name is XXXX XXXX, XXXX XXXX. She immediately responded and stated that she would like to speak with us by phone. We set up a meeting for XX/XX/2021 at XXXX cst. She never called. She never emailed with an apology for missing the appointment. She's never given us any updates on the application. And, she's never provided us the required Loan Estimate. 
The reason for the complaint is because we have yet to receive a Loan Estimate. The application was completed and credit has been pulled on my spouse and myself by M & T XXXX. 
At this point, we've taken a hard hit on our credit report which really isn't going to affect our chances of refinancing with another company because of our credit score. But, waiting XXXX weeks for communication on an update or having to ask for the Loan Estimate that should have already been provided is simply unacceptable.

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 2018-08-21
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am requesting the removal of these bankruptcies ( below ) on my Experian credit report due to their failure to provide me with verifiable proof required for their company to post the accounts listed below is evidence that it does not exist and therefore is proof that they can not properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they were required to promptly delete all information which can not be verified., Experian has violated the Fair Credit Reporting Act ( FCRA ). Furthermore, I disputed this inaccurate information in XX/XX/2018 and XX/XX/2018. Experian refuses to disclose who verified this inaccurate information. I also contacted the bankruptcy court via mail at and they stated they do not correspond with credit bureaus and never verified this information with Experian which documentation of said information by the Court is attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 2022-12-30
Company: Paypal Holdings, Inc
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022, Paypal sent me an email notifying me of a questionable money request with a XXXX phone number to call. I logged onto my Paypal account and the identical message and XXXX phone number was there. Since it was on my Paypal account, I called the number and was connected to the supposed Paypal Fraud department. The " Paypal Fraud '' agent told me hackers were attempting to access my BofA bank account and he needed to secure the connection between Paypal and my bank account. He instructed me to move money via XXXX to a virtual account, he would secure the Paypal-Bank connections , then the money would be moved back. I made two XXXX transfers totaling $ XXXX when my family overheard me, they urged me to stop. 

It was a scam. I immediately filed a claim with the XXXX Fraud department. I cancelled the questionable Paypal money request, and severed the connection from Paypal to my Bank, and then closed my Paypal account. I sent the original questionable email to XXXX and filed an ic3.gov report on XX/XX/2022. 

The Bank ( XXXX ) denied my claim as they could not recover the funds from the receiving Bank XXXX XXXXXXXX XXXX  ). The bank suggested I contact the " receiver '' and request my money back. The phone numbers provided to me on XX/XX/2022 by the " Paypal Fraud ' agent, now known to be a scammer, are no longer in service. Paypal refuses to take responsibility even though the information was imbedded into my Paypal account- saying the money transfers were outside the Paypal platform. 

I have not heard anything from ic3.gov to date. I have written an email to a local investigative reporter to possibly alert others of this scam. 

I would appreciate anything your agency can do to help me recover my {$1900.00}. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
After 16 years as a loyal account holder with Bank of America they closed my account with no explanation 3+ years ago. I have contacted multiple departments to try to receive the funds that were in the account at the time of the closure {$4200.00} and was ultimately told they would be held indefinitely with no timeline for release or explanation. 

Representatives spoke to most recently regarding the release of these funds being wrongfully held : XX/XX/XXXX XXXX floor manager XXXX XX/XX/XXXX XX/XX/XXXX manager XXXX XXXX Next day opening XXXX XX/XX/XXXX XXXX XX/XX/XXXX supervisor XXXX claims to be calling me back today. 
XXXX called back Friday .. no resolution XX/XX/XXXX XXXX says XXXX calling back once she is off call XXXX XX/XX/XXXX Called back XXXX get another supervisor as no call back was made spoke to XXXX escalated to supervisor XXXX XXXX asked to be connected to supervisor above him XXXX leaves me on hold for over 20 mins ignoring me. Another 30 mins on hold transferred to XXXX XXXX supervisor

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