BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In XX/XX/2020 I was laid off from my position due to Covid19. I have a small car loan with XXXX XXXX, and they agreed to a forbearance program for the months of XXXX through XXXX. When the 3 months expired, I called and asked them for an extension, in which they agreed to. They stated that I had to sign a new agreement form and send it back to them. Upon receiving the new form, I signed it and sent it back immediately. I did not hear anything more from them so I did not make my XXXX and XXXX payments. At the beginning of XXXX I received a phone call from XXXX XXXX XXXX collection department stating that I was behind on my payments. I explained that I had an agreement that I would not have to make the payments for the months that they claimed I was delinquent, and they stated that they did not received my signed form back so they did not put the agreement through. I never received any notice up until this point that they had not received the form, or that any payment was being considered late. I asked the girl if I should pay something in order to not have my credit effected, and she stated that she was going to send a new form and as long as I signed it and sent it back that I would be fine. I did so immediately. A week later, I received a notice from XXXX ( whom I have a monthly monitoring service with ) that XXXX XXXX had reported a 30 and 60 day late on my credit report for the months of XXXX and XX/XX/2020. I immediately called them and they claimed that there was nothing that they could do. I filed a dispute with all major credit reporting companies and the results came back that they took the 30 day off for XX/XX/2020, and kept the XXXX delinquency on my report, changing it to a 30 day late. I have now re-disputed my case with all credit agencies 3 times, providing the documents from XXXX XXXX that prove I was not to make my payment for that month. The results continue to come back the same, XXXX XXXX refuses to remove this from my credit report. I have also contacted XXXX XXXX numerous times only to be told that they will not help me. I am XXXX years old and have never in my life had a single late payment. My credit has dropped 100 points due to this and I am hoping that someone can help me to get this removed from my credit like it should have been from the beginning.

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 2023-11-07
Company: NETWORK FUNDING, L.P.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
asked information of proof of lending me money, and suspected fraudulent practices

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
There was unauthorized reopening or fraudulent extension of an account in my name, by my younger sister, during the time she lived and on occasion house sat for me. Along with other things, this was hidden from me. reluctant to at first, I did eventually report this to the bureaus. The company name is XXXX, was originally " charged off '' in the amount of {$2400.00} and was sold to a company named " XXXX XXXX ''. Equifax did remove the associated company XXXX XXXX XXXX XXXX from my report, but never removed the parent company ( XXXX ) where the debt came from. After initially complaining to CFPB, Equifax updated the account again, to reflect, {$0.00} balance owed, {$0.00} past due and relocated it to the closed account section of my report. I appreciate that because at-least I'm no longer being affected negatively by it.The problem that I have is that a fraudulent account or charge shouldn't ' be on my credit report, whether it be positive or negative. Each time I dispute, I'm told the company verified the info. If that were true, why remove XXXX XXXX? And how are different are the verification processes for XXXX  and XXXX? Both companies removed both of the above mentioned many months ago when I first became aware and reported this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: CITIBANK, N.A.
State: IL
Product: Credit 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:
I was a victim of identity theft in XXXX of this year.I placed a security freeze on my credit report as a result. there was a fraudalent purchase made on my credit card on XX/XX/XXXX at XXXX. the purchase was made at the same time on XX/XX/XXXX I was present at work at that actual time.I called the credit card company and disputed the charges. the credit card company contacted me on XX/XX/XXXX to inform me that their investigation for the disputed charges was not in my favor and i will be rebilled for the charges on my credit card account.the credit card company did not ask for documents during their investigation until after XX/XX/XXXX when they denied my disputed charges. i provided documents to the credit card company and waiting to hear back regarding my documents.

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 2023-11-24
Company: U.S. BANCORP
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I have a gift card for {$100.00}. I tried accessing the balance through their website and via phone. The website and automated phone do not recognize the card # and there is no option to speak with anyone directly. The expiration date is XX/XX/21 but my understanding in CA is that they can not expire.

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 2023-06-06
Company: Experian Information Solutions Inc.
State: TX
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-10-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
XXXX accidentally took money from my account. I contacted USAA to dispute but they told me they can't dispute pending charges unless they are fraudulent. But once the payment FULLY posted then I could dispute it. In the meantime, I am overdrawn through no fault of my own and can not even buy fuel for my vehicle to pick my kids up from school ( we are in a very rural area ). 

I asked about even disputing it as fraudulent, which it wasn't, if I could get a provisional credit just to have access to MY MONEY to get fuel and they said they DO NOT KNOW when or how provisional credits are applied to accounts. THEY DO NOT KNOW! 

So now XXXX, the same exact day, within HOURS of taking the money from my account, canceled the payment and issued a refund. I see the refund against my account in name only. The pending refund is NOT being included in my available balance BECAUSE IT IS PENDING but the withdrawal that is pending IS against my available balance! 

I have called them back to ask about this and they said because the refund is pending it won't be included in my available balance. But the withdrawal IS! So here I am screwed out of my own money!! I now have to frantically figure out how to get my kids from school!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX Bank of America took hold of my funds in the amount of XXXX in my account of # XXXX I then called to inform them of a transfer that wasnt supposed to go into that account on XX/XX/XXXX and wrote them in letter form of this mistake as well. I then called them the again XX/XX/XXXX to see what I need to do to get my funds returned because they never responded to my letter, Bank of America customer service red flagged line then told me that my funds were being held in there back office for investigation. I then Inform them again of wrong bank information was mistakenly placed down, and couldnt be changed on the SBAs website or by phone. I didnt think it was a big deal but this small mistake has gotten my account closed and red flagged. And Now it has been 6 months today XX/XX/XXXX of investigations on me making me look like I did something wrong which wasnt the case. Bank of America has treated me so terrible during this process that I need to seek legal actions. I have uploaded all information on what I have on them and paperwork that Ive sent them to get them to understand I am not a criminal, Im a XXXX XXXX of the company XXXX XXXX, and my Name is Ms XXXX XXXX. But they will not respond or send my funds back to me, after knowing who I am and what mistake I made, they have done a investigation and founded nothing wrong in what I did, and still no response or return of my funds.

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 2020-12-13
Company: Avant Credit Corporation
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Following my initial complaint to CPFB about bogus charges, AVANT began charging me with what looks to be, an annual charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My name is XXXX XXXX, on XX/XX/2022 a domestic wire transfer of {$96000.00} was initiated from XXXX to my account with Chase Bank. I confirmed with XXXX two days later that the money was received by Chase Bank but the wire was under review for potential fraud due to XXXX and that this hold could take 1-2 business days. The time period elapsed with my funds yet to be deposited in my account, so I call Chase bank and now I'm being told they can not see the wire anymore and am repeatedly told to confirm with XXXX that it wasn't returned. I confirmed with XXXX 3 more times that the wire was not returned. I have spent dozens of hours on the phone being sent from department to department at Chase with still no resolution. I am told the only people who can help me are members of the wire research team but no one is allowed to call them and i have to wait for them to call me. They say someone will call on " x '' day at " x '' time yet no one ever calls when promised. It is now XX/XX/XXXX and I am still being run in circles by Chase Bank with no resolution in sight and no one is even willing to help figure out where my money is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: Exeter Finance Corp.
State: TX
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:
TO WHOM IT MAY CONCERN : MY NAME IS XXXX XXXX. I CHECKED MY CREDIT REPORT XX/XX/XXXX AND NOTICED THESE HARD INQUIRIES ON MY ACCOUNT. THESE ARE NOT PERMITTED BY ME. I HAVE NO KNOWLEDGE OF THESE INQUIRIES. I REQUEST TO HAVE THESE INQUIRIES REMOVED IMMEDIATELY UNDER 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX EXETER FINANCE LLCXXXX XX/XX/XXXX THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: CITIBANK, N.A.
State: NY
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:
Ordered childrens XXXX yard playhouse supposedly on clearance XX/XX/XXXX, thru XXXX ad. Hours later, I check my online statement to find I have been charged by a XXXX company ( actual company in Ohio ) {$140.00} plus international currency fee. Immediately I call Citi, cancel the order, and the card. They issue security credit, send new card to me. I believe issue done. WRONG Citi sends me new card, THEN permits XXXX company to charge NEW card on XX/XX/XXXX. Posted to statement XX/XX/XXXX. I call immediately, inform they they had NO PERMISSION to bill new card with bogus charge. Rep tells me they " automatically '' bill new cards issued after I cancelled to PREVENT XXXX CO. FRAUD!!! I have called and invested 14 hours in phone wait time trying to get them to realize their mistake. 
When I called about charge showing up on my replacement card, they cancel the replacement card and advising again it would be forwarded to Security, issue me a THIRD card, and never correct their error. 
I spent 3 hours at my local Citibank with lovely rep trying to resolve as she looked at my statements with HER and her overseeing bank manager last week, and was told security would advised after she was subjected to the same line transfers, holds and bad English service persons. Now my credit reports have been advised I am 4 months late, plus late charges. I have NOT received anything from XXXX. There was original fraud charge, and no permission given for any rollover charges to new card when Citi rep was advised, and I have wasted WAY too much frustrated actions trying to resolve, when I did the right thing the first day, and every action after is a result of Citibank 's error, horrible service, and woefully insane business process and poor language skills of out of USA service centers.

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 2023-08-29
Company: DISCOVER BANK
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom this may concern. 

I recently received a copy of my XXXX XXXX and XXXX credit report and I noticed some late payments posted on my credit report. 

Account Name : DISCOVERY BANK ACCOUNT NUMBER : XXXX Your company is in clear violation of the law .15 U.S.C. 1681b, Permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates.

Did I give you written instructions to report this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C 1581a ( 2 ) ( A ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; Delete the above account from my credit report. This agency is in violation of 15 U.S.C 1681a.

Failure to response I would take legal actions under 15 U.S.C 1681n Seeking a {$1000.00} for each Violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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  Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX Acct  # XXXX has violated my rights.

1

5 U.S.C 1681 SECTOPM 602 A. States I have the right to privacy. 15 U.S.C 1681 Sectopm 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: CADENCE BANK
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2022. Someone transfer my money to another account without me knowing. They used the XXXX app through my bank. They took {$100.00} and {$2500.00} from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-03
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have contacted the Equifax, XXXX, XXXX, and XXXX XXXX XXXX. 
Nothing has been done or verified. Per the terms of XXXX XXXX discharge if your college violated state laws and have used illegal or deceptive tactics to convince students to take out loans and attend. You wont have to pay back your student loans. The FTCs complaint charged that XXXX misled consumers in violation of the FTC Act by claiming that 90 percent of graduates actively seeking employment landed jobs in their field within six months of graduation. Advertisements making these claims appeared on television and radio, as well as online and in print and other media. 

The complaint further alleges that XXXX misled students by claiming that graduates with bachelors degrees, on average, had 15 percent higher incomes one year after graduation than the graduates with bachelors degrees from all other colleges or universities. 

The proposed federal court order requires XXXX to notify the students who will receive debt relief, and to inform the credit bureaus and collection agencies of the debt forgiveness. All loan and debt forgiveness will occur automatically. XXXX will also release transcripts and diplomas previously withheld from students because of outstanding debt and will cooperate with future requests for diplomas and transcripts and related enrollment or graduation information. 

The settlement also includes provisions designed to prevent XXXX from misleading consumers in the future. Among other things, it prohibits XXXX from misrepresenting the likelihood that graduates will get a job as a result of their degree. It specifically prohibits XXXX from including jobs students obtained more than six months before graduating whenever XXXX advertises its graduates success in finding jobs near graduation. The settlement also prohibits XXXX from misrepresenting the compensation or compensation ranges that students or graduates have received or can be expected to receive. XXXX University Agrees to {$100.00} XXXX Settlement with FTC. 

IT IS THE JOB OF CREDIT REPORTING AGENCY According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I contacted Wells Fargo on XX/XX/ to inform them of 6 unauthorized ACH transactions and they denied my claim.

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 2019-04-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX or XX/XX/XXXX I stopped into the Chase Bank location at XXXX XXXX XXXX, XXXX TX XXXX and spoke with XXXX XXXX ( sp? ) about cancelling PMI on my mortgage. She wasn't sure of the process and called into customer service. She was told and relayed to me that all I needed to do was to pay down the balance on the mortgage to less than 80 % and actually wrote down on a sticky note the amount I needed to pay. On XX/XX/XXXX, I made a payment of approximately {$13000.00} to bring the balance of the loan just under the 80 % requirement. I called Chase and they said that now I had to have a BPO done in order to verify the value of the home. I told them that is not what I was originally told and that I wanted my money back then. They decided after a few days of my case being escalated that Chase would pay for the BPO. I said fine and when the BPO came back, I was told that the home has increased in value from the purchase price of $ XXXX to $ XXXX. Had I just had the BPO done, I would have been over 20 % equity and should not have had to make the payment of {$13000.00} towards my principal balance as it was not needed. Now Chase is refusing to refund me the money. Please help me get my money back as I would have never paid down the principal balance if I knew that they were going to require a BPO as part of the process.

Company response to consumer: Closed with explanation