BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Good Day Bank of America:XXXX XXXX XXXX XXXX , XXXX XXXX , CA XXXX, corporate office and the CFPB. 
I went to the above Bank of America facility to change my ATM card pin, because I had not used it in a while. So I had forgotten it. A young Lady an entrance desk greeted me and said she could help me change the pin and ask for the debt card and my drivers license, I gave her. She started tapping her stand screen and said my account was locked and she could not change the pin. But kept tapping the screen of what appeared my account even after she gave me my cardsback. I said OK I will go unlock it and come back, which I did. The second time she said she could help me after finishing with someone ahead of me. She was done with them after I had sat and then said sorry I can not help you after the wait, a banker could, then he said it would be a while too. I was frustrated and said you should have just said you could not help me after helping the nonXXXX customers. I drove to another Bank of America the same day XX/XX/2021. Got a person in the other bank to change it and went to the outside teller and made a deposit. The XXXX  bank had bad customer service and wasted my time. Also, you may want to check on bank fraud related to persons whoso not use there bank access as often. There may be a connection to fraud and misuse.

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 2023-10-18
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I previously paid off balance of {$2200.00} and was told by XXXX of Comenity BankXXXX XXXX XXXX XX/XX/XXXX  that I owed no more money and my account was at XXXX, and I asked that my account be closed out. Today I received notice that I now owed {$40.00} in interest charges. 
I had a hard time again getting through to a live person at Comenity Bank but was able finally to speak to XXXX earlier today. XXXX said XXXX was not able to see the charge of {$40.00} on the screen. How come? Is this going to keep happening? 
XXXX then put the payment through using my checking account and said he is not charging me the {$9.00} fee. XXXX said today that once that payment of {$40.00} goes through in 48 hours, my account will be at XXXX, and there will be no more finance or interest charges. I asked him for a letter in this regard, and he said he will be sending me one. I reiterated that once the {$40.00} goes through my bank, there will be no more finance or interest or other charges, and XXXX confirmed this. I am filing this complaint to be sure that is the case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-08
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I mailed in the IRS forms for the 1096, and 1099C to the IRS as taxable income for this year, ( XXXX ). Therefore, both accounts for the XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX must cancel the debt ASAP, by deleting the accounts from all credit bureaus that were reported to. 

Per the IRS, tax topic No. 431, of Cancellation of Debt How long does a creditor have to send a 1099-C?

Form 1099-C is a federal tax form required by the IRS. Lenders and other creditors must submit a copy to the agency and to taxpayers whenever they cancel or forgive a debt worth {$600.00} or more. Forms must be sent to taxpayers by XXXX XXXX. 

Is a creditor required to send a 1099-C?

If a debt is owned ( or treated as owned for federal income tax purposes ) by more than one creditor, each creditor that is described under Who Must File, earlier, must issue a Form 1099-C if that creditor 's part of the canceled debt is {$600.00} or more.

What happens if I don't report 1099c?

If you don't report the taxable amount of the canceled debt, the IRS may send you a notice proposing to assess additional tax and may audit your tax return. In addition, the IRS may assess extra tax, penalties, and interest. XX/XX/XXXX Tax Topic No. 431, Canceled Debt It is my responsibility to report the correct taxable amount of canceled debt as income on your tax return for the year in which the cancellation occurred remains, regardless of the accuracy of the Form 1099-C you received.

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 2023-10-18
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Lost or stolen money order

Complaint:
XXXX XXXX a cleared payment to Dovenmuehle Mortgage Inc was not transferred, refunded, returned, to new loan servicer nor third-party. 
I asked via email to OPEN INVESTIGATION and then contacted CFPB and Dovenmuehle lied again to me and CFPB stating XX/XX/2023 payment was returned to third-party and was NOT. 
XXXX XXXX a second cleared payment to Dovenmuehle Mortgage Inc was also not transferred, refunded, or returned to new loan servicer nor third-party. Dovenmuehle has also NOT PROVIDED ME WITH TRACKING INFORMATION FOR THE PAYMENTS THEY CLAIMED TO HAVE RETURNED, however the third-party is my representative and DOVENMUEHLE IS NOT PROVIDING CORRECT/VALID INFORMATION OF THESE FUNDS TO EITHER OF US... BUT DOVENMUEHLE HAS RECEIVED THESE FUNDS AND WON'T TRANSFER TO NEW LOAN SERVICER or third-party and provide tracking information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, 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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items. Thank you. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
Checking over my report today and I noticed some inquires Im not familiar with I tried numerous amount of times to get some information on it but its been passed 30 days and I have not gotten any response please remove this inaccurate information : XXXX  of XXXX - XXXX XXXX XXXX XXXX XXXX-XXXX XXXXXXXX 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 2023-05-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am a victim of identity theft, my social security number, passwords, and bank account information was compromised. I was locked out of my XXXX XXXX XXXX, a fraudulent credit card was open from chase, fraudulent checks were deposited without my authorization. I have police reports to prove this matter. I have never had this problem with any of my bank accounts until I became a victim of identity theft. I had multiple pre-approvals and a 5 year strong account with chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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'M A VICTIM OF IDENTITY THEFT. THESE ITEMS ARE NOT TRANSACTIONS CONDUCTED BY ME AS A CONSUMER. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, THESE ACCOUNTS HAVE NEVER BEEN LATE, PLEASE CORRECT TO SHOW PAID AS AGREED, NEVER LATE 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 2017-05-08
Company: Bread Financial Holdings, Inc.
State: PA
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 used my  XXXX   XXXX  rewards  MasterCard ( Comenity )  to acquire a balance transfer to pay off anothet credit card. On  XXXX   XXXX  my account was charged  XXXX . I was charged for the balance transfer but it was not received by my other credit card.    XXXX   XXXX  wrote to me to verify the transfer was unsuccesful and my account would be credited. That was on  XXXX   XXXX  over 60 days ago.   I have not been credited and I also paid my other credit card through  XXXX  off myself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-21
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
1. Consumer requested escrow account be removed from consumer 's account. Mortgage company refused. NOTE : Consumer had paid in excess of $ XXXX in principal curtailments. 
2. Consumer paid consumer 's property taxes in full, in advance, and homeowner 's insurance in full, in advance ; however, mortgage company purported to receive additional bills from the County Tax Office and Insurance Company. Mortgage company refused to provide Consumer with evidence of cancelled checks to either the County Tax Office or to the Insurance Company. Consumer met with County Tax Office and Insurance Company, both who denied ever receiving funds from the Mortgage Company ; however, acknowledged and provided receipts of payment in FULL from the individual Consumer. 
3. Consumer reminded Mortgage Company that there is no PMI associated with Consumer 's loan. Mortgage Company, corrected this mistake in writing ; however, in XX/XX/2021 monthly statement, deducts nearly {$800.00} to pay a purported PMI fee. 
4. Consumer requested : removal of escrow account ; refund of escrow surplus ; and removal of PMI. Mortgage company denied all three of Consumer 's requests.

5. Consumer received an increase of {$390.00} monthly to Consumer 's {$850.00} montly mortgage payment, due to an purported 'escrow shortage '.

6. Consumer made all of the above requests in writing and countless phone calls, without avail.

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 2023-08-21
Company: EQUIFAX, INC.
State: CT
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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: AZ
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts. 
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 response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern : I had been working with my previous servicer for almost 2 years before it got service transferred to Freedom Mortgage. My counseloXXXX XXXX XXXX spoke to a rep from the loss mitigation team. On XX/XX/XXXX we received confirmation that they had received my loss mitigation application and the third party auth for XXXX. We followed back up on XX/XX/XXXX and they confirmed again that they had the documents and my file was under review. Today, we followed back up and spoke to two reps that could not find anything about a review going on. The second person was supposedly a escalation manager with the ID of XXXX. She advised nothing had been going on again. 

I can't wait another 2 years for another service to mess up on my documents again! I want to save my home!

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 2023-05-01
Company: Atlanticus Services Corporation
State: TX
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 XXXX. has violated my rights.

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2023-05-01
Company: CNG FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted by phone from a company called XXXX, XXXX XXXX  XXXX they informed of trying to attempt to mitigate with me for a payday loan from back in XXXX. I was then told that i had signed a Tolling agreement when I requested this payday loan. The payday lender being Check And Go. I dont even know what a Tolling agreement. 

At this point I told them my only source of income is social security XXXX XXXX  is federally protected from collections. They insisted they were just mitigating and the loan company would have rights to seize my property and income if I refused. 

I have never seen anything in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I Have a report of owing XXXX  XXXX. It is on my credit report, I reported it as a fraud because I do not live in Florida, I live in the XXXX XXXX XXXX and have documents to prove that I do not live in Florida. I live in my home for 20 years in the XXXX XXXX XXXX and can show proof of it. I filed a dispute and XXXX as well as the other two credit reporting is reporting it as such. They stated in the dispute resolution that XXXX  XXXX is saying the account is valid. I am a XXXX XXXX  veteran and this is causing me additional undue stress. I have no letters or documents from them, they sent me no letters, emails, or phone calls. I just saw it on my credit report and filed a dispute to no avail. Please provide any assistance if you can. Thank you.

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 2023-10-18
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit 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 opened a charge dispute with Chase on XXXX XX/XX/2023 regarding a purchase from a website that I found to be fraudulent. I have still not received the product ( XXXX XXXX XXXX  ) and the company ordered from, XXXX XXXX, can not be reached. 
Chase told me on XX/XX/2023 that they had to give the company 15 days delivery time as that is what the delivery time on the website stated. Then they would continue the dispute. Today, XX/XX/2023 I looed at the Chase app and the dispute still states " '' Dispute status - Under merchant review ''. I called Chase as I now show a minimum payment of {$40.00} due and the dispute states that while under review no payments are due. Today the Chase operator told me the dispute was closed on their end. My Chase app shows it is still in dispute. 
The Chase operator said she will open a new dispute as on her end it shows closed. It will take an additional 35 days to resolve she said. This is after I have already waited 35 days. I paid the entire balance on the card today. I now show two disputes that are in progress on the Chase app, each for XXXX XXXX for {$99.00}. No recently closed disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My wife and I are elderly retired people that survive on our social security income only. I had  XXXX   XXXX   XXXX  in  XXXX  and could not work any longer as a  XXXX   XXXX  and had to retire in  XXXX . My wife was knocked down on her job about 3 years ago by a forklift and could n't go back to work as a  XXXX   XXXX . My wife is on Social Security  XXXX  as a result of this on the job accident.     Our combined Social Security checks are not enough to pay the current the mortgage amount which we paid on time every month on time until last year. We requested modification of the mortgage from our lender,  US Bank and our modification request was approved late last year. We were advised that we needed to make 3 trial payments of {$830.00} in order to complete the modification. We had to leave the country for a few months so we called US  Bank on  XXXX / XXXX / XXXX  and spoke with  one  of their employees,  XXXX   XXXX   XXXX , our assigned representative. We informed  XXXX   XXXX   that  we were leaving the country for a few months and asked if we could have the trial payments automatically deducted from our bank account. We were advised that this was possible and th e 1st tria l payment was deducted from our back account via  XXXX   XXXX   XXXX  pay on  XXXX / XXXX / XXXX . We were under the assumption that the remaining two trial payments would be deducted automatically.     We called  US  Bank in  XXXX   XXXX  to inquire why the money was not deducted from our bank account and was advised that it was not possible to automatically draft trial payments from a bank account and we needed to have made the remaining trial payments and since the remaining payments were not received, loan modification was cancelled. We appealed this decision on the grounds that we not properly advised by  XXXX   XXXX  and we have proof that the money was in our bank account waiting to be deducted. We were advised that there is nothing that could be done and to re-apply for modification.     We followed their instruction and re-applied for modification a second time but our request was recently denied stating that we are now not able to afford the mortgage since we owe more money now, we are 11 months behind on the mortgage. This is unfair and we disagree with this decision when are in this position because their employee gave us incorrect information. Attached is the appeal letter we sent to US Bank challenging the denial of the re-modification of the our mortgage.

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