BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-14
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off my mortgage with SunTrust Bank on XX/XX/2021. I still have not received my escrow refund as of XX/XX/2021. I called and they pulled the " check is in the mail '' routine and said it must have been lost. They then said I have to wait 30 days for them to reissue a check. I then called after 30 days and they said it would take another 10 days for them to process a new check. This means best case scenario, I will receive my refund around XX/XX/2021 a full 60 plus days after paying off my mortgage loan with them. They are holding my money hostage - please help!! 

Thank you, 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 2023-08-21
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX Huntington closed my account, said they wrote me a check for XXXX $ and send the balance XXXX $ to my XXXX  account. Unfortunately the XXXX $ sent to XXXX  was never credited to my account in XXXX. I need help with that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XXXX XXXX XXXX XXXX UNDER 15 U.S Code 1692G ( B ) I sent CAPITAL ONE FINANCIAL CORPORATION a VALIDATION OF DEBT FORM. I requested them in writing that they have 30 days from the receipt of the letter to send me the following information the name and address of the ORIGINAL CREDITOR, Documentation verifying the amount of debt including full detail breakdown of principal interest fees and other charges like the FINANCE CHARGE, PROOF that they are authorized to collect this debt on behalf the ORIGINAL CREDITOR and copies of any contract agreement related to the debt binding both parties. I requested the DEBT collector to CEASE COLLECTION of the debt and any CREDIT REPORTING TO THE BUREAUS or any dispute portion, until the DEBT collector obtains verification of the DEBT or a copy of judgment, or the name and address of the original creditor. I also ask for the response to be hand written back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: VYSTAR CREDIT UNION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HELLO, MY IS XXXX XXXX AND I AM MAKING THIS COMPLAINT BECAUSE I HAVE TRIED MULTIPLE TIMES TO DELETE THIS INFORMATION FROM THIS ACCOUNT FROM MY CREDIT INFORMATION, SINCE I WAS NOT THE ONE WHO APPLIED FOR THIS ACCOUNT, MY PERSONAL INFORMATION, FOR EXAMPLE THE ID AND THE SOCIAL SECURITY WERE STOLEN, THEY WERE USED TO OPEN MULTIPLE ACCOUNTS IN A FRAUDULENT WAY, ONE OF THE BANKS AFFECTED WAS THE CARD ( VYSTAR CREDIT UNION ) WHICH CURRENTLY HAS A BALANCE OF {$2200.00} THAT WAS OPENED AS A FRAUD, I DEMAND TO DELETE THAT ACCOUNT FROM MY CREDIT REPORT, I MADE AN IDENTITY REPORT ADDING THIS ACCOUNT TO THE IDENTITY THEFT REPORT SO IT CAN BE REMOVED FROM MY CREDIT REPORT THANKS... 



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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 2015-09-26
Company: TMX Finance LLC
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I was harassed by Title Max Corporation of Nevada, XXXX representatives from the company ( XXXX including branch manager ). These individuals came to my place of residence asking for payment, trespassed onto a gated company. Discussed my financial matter with a family member. The account had been delinquent for 15 days. Every employee continue to contact regarding a title loan that is currently in default. I started making my phone calls the appropriate departments and I am refusing to pay any more on a contract that 's violated FDCPA regulations XXXX. 

I believe these individuals have been engaging in illegal debt collection policies and practices. Their engaging in loan agreements that surpass the allowed length of a title loan agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The consumer reporting agency is in violation of 15 usc 1681 ( a ) ( 4 ) Infringed upon a consumers right to privacy '' I an accordance to the fair credit reporting act my rights have been violated I have the right to privacy. See The Gramm-Leach Bliley Act ( also known as the Financial Modernization Act of 1999. 15 USC 1681b ( a ) ( 2 ) No permissible purpose/ No written instruction.

Accounts listed below are inaccurate and inconsistent on all three bureaus and I have the right to privacy which is a violation of my rights 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors ( B ) Reporting information after notice and confirmation of errors -XXXX XXXX  {$7800.00} XXXXus dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance 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 2023-09-22
Company: FISERV INC.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023 I initiated an external transfer to withdraw funds in the amount of {$1100.00} from my Chase Checking account and deposit into my XXXX Checking account, using XXXX XXXX Banking. Fiserv is the third party company managing external transfers for XXXX Bank. 

On XX/XX/2023, the withdraw was posted to the XXXX account and the funds were gone. On XX/XX/2023, the remainder of the funds were withdrawn from XXXX and my accounts were closed ( no issues with these funds ). 

On XX/XX/2023, XXXX rejected the deposit as the checking account was on hold pending identification verification. 

On XX/XX/2023, Fiserv, XXXX XXXX  's external transfer third party sent the funds back to XXXX Bank. 

XXXX confirms these funds tried to return to XXXX on XX/XX/2023, but were automatically rejected due to the account being closed. 

It is XXXX 's stance that the funds on XX/XX/2023 were then returned to XXXX XXXX. XXXX XXXX  has never received the funds and both banks have conducted investigations, both ultimately saying the other bank is responsible. 

It is XXXX XXXX  's stance that the funds on XX/XX/2023, were not sent back to XXXX, but instead sent to Fiserv, and it is XXXX 's responsibility to recall the funds from Fiserv. 

XXXX XXXX  has contacted Fiserv and confirmed all of this information, but XXXX XXXX  has not. 

XXXX XXXX  says they have exhausted all options and XXXX needs to fix the situation. 

It is XXXX 's understanding that Fiserv is holding the funds or has sent them back to XXXX XXXX, but XXXX has no record of the funds after XX/XX/XXXX. XXXX has no record of the funds at all.

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 2023-08-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
For the 4th time ( if not the 5th ) Chase allowed someone holding a fake ID to withdraw cash from my checking account, despite the fact that I've asked the Bank multiple times to protect my account by adding a flag to my account indicating historical fraud activities, adding a verbal passcode for counter services, and changing account number as suggested the banker -- - none have worked. Below is the timeline : On XX/XX/XXXX, someone withdrew {$3800.00} using a withdraw slip from my checking account. Discovered on XX/XX/XXXX and called Chase, filed a claim with claim number XXXX ; Followed up with Chase at the beginning of XXXX, met a banker at the branch and showed my ID ; Called Chase on XX/XX/XXXX for status update, was told it is still in investigation, and I needed to wait 5-8 business days ; Called Chase XX/XX/XXXX again for status update, was told I need to go to branch again for submitting photocopy of my ID, then I need to wait another XXXX days ; Visited Chase branch XX/XX/XXXX, asked a banker to copy my two forms of ID, was told it will take UNKNOWN period of time for them to complete the investigation. I told the banker that " XXXX business days '' is what I heard from the phone. The banker then ask me : who told you XXXX business days? do you have the name of the person who answered your call? 

I have to file this complaint on the : 1. the lengthy investigation period with XXXX communication. 
2. lack of controls ( if exists ) to prevent fraudulent activities on my account. 

Checking account number : XXXX Asking for official explanation on : 1. Why didn't Chase bank prevent such incident from happening again and again? 
2. What exact controls do we have as a Chase customer to prevent cashing from the counter? As I mentioned above, " adding flag '' and " adding passcode '' did not work at all, although these controls were suggested by a Chase banker. 
3. What took so long for the investigators to complete their work? My two forms of ID have been provided to Chase back in XX/XX/XXXX when the 1st incident happened.

4. Why there was XXXX communication from the Bank during the investigation period? No email, no mail, no messages in the Chase app. 

Hoping from hearing from the Bank soon. Thank you for your assistants in this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-23
Company: GREAT LAKES
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
This dispute involves incomplete and inaccurate information on my credit reports with XXXX loans from the same creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All XXXX have the same address. It is XXXX. XXXX XXXX, XXXX, WI, XXXX, phone number XXXX. 

The account numbers are XXXX ... XXXX ; XXXX ... ./XXXX ; XXXX ... ./Great Lakes XXXX ; and XXXX ... XXXX. 

XXXX of these loans are closed, paid in full with zero balances. Yet they are still being reported as " Adverse '' or " Negative '' with all credit bureaus except XXXX. They have been all removed with XXXX ( copy attached ). 

When I called the creditor 's toll free number listed above, XXXX was unable to find any accounts under my name. 

Please delete all XXXX accounts on my credit reports. 

XXXX account shows an outstanding balance of {$2400.00} as of XXXX XXXX. I owe nothing on this account. I have never received a bill yet it is being reported as current making monthly payments. 
I received a XXXX waiver from the XXXX XXXX. of XXXX dated XXXX XXXX, 2014 ( copy attached ) which wipes out all my student loan debt. Yet XXXX account, XXXX ... .under the credit name of XXXX XXXX XXXX XXXX shows an outstanding balance with XXXX late pays in its payment history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid this account off in full. Opened another bc it was for {$8.00} after I paid off, then paid off that balance it shows up as a negative on my credit report and would like the account removed since balance was paid in full and they agreed to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have submitted many claims to XXXX with regards to this Target account reporting on my credit file. This account was stolen and fraudulent transactions took placed. Please remove this account from my credit file. I have submitted Fraud Affidavits to Target and to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-11
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
The complaint is about unfair charged fees at TD Bank. 
I have a checking account at TD Bank. I opted for paperless statement and had maintained my balance above the minimum requirement ( {$100.00} ) to avoid any fees. 

Without my knowledge nor consent, TD Bank changed my preference to 'Paper Statement ' on XX/XX/2014 and charged me a {$1.00} service fee. This charge brought my balance under the {$100.00} minimum requirement and TD Bank has been charging me a monthly fee of $ XXXX/month ever since. 

Right now, TD Bank has wiped out all my balances on the checking account and claims that I owe them {$48.00} in unpaid fees. 

I request that TD Bank cancel the {$48.00} they claim I owe them and return the {$100.00} original balance I had in the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX and XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: Nelnet, Inc.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have spoken with Nelnet, XXXX, XXXX, and XXXX countless times in an effort to have Nelnet properly furnish my student loan accounts to the three major bureaus but have not had any success. Nelnet continues to claim they reported my accounts to the three bureaus ( plus a fourth ) following the " transfer '' from Great  Lakes, yet only XXXX is properly reporting my accounts. XXXX and XXXX both say they have not received anything from Nelnet while Nelnet supposedly reports on the last day of the month with the first reporting date of XX/XX/31. Now two cycles in, XXXX and XXXX still do not show my accounts. 

Per a Nelnet supervisor, I provided screenshots of my credit report showing only a single Great Lakes account and no Nelnet accounts weeks ago and still have not received any type of correspondence from the credit reporting department as I was instructed I would. 

I am attempting to buy a house, and with my credit scores having tanked because of the incompetent handling of the Great Lakes to Nelnet transfer, I need my Nelnet student loans to be reported to the bureaus ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XXXX I opened 2 accounts online at Citizens bank website as I received a promotion to open accounts with an offer code to receive {$600.00} when I meet the requirements. I reviewed my statements and never received the promotion offer as I met the requirements. I called citizens bank on XXXX and a team member told me that he can not look into to it because they do not have my account application in file that shows my promotion code. I explained that I did in fact know that banks have to file my records and he said no they do not and I asked to submit a complaint and he refused. I then I asked him again that why and he began to to say bye thank you for your feedback and refused to take my complaint. I then asked for his name which is XXXX and he then proceeded to say let me look into this. I noticed that this department had a long wait time and this department was specifically for bonus offers not paid. I suspect this department has not been submitting cases and XXXX the rep wanted to rush me off the phone until I stated I want this complaint to be file and I want a complaint number. I have not received a call from citizens bank but I believe they are scamming customers into opening accounts with promotion codes and not following the guidelines and terms. I want this to be escalated immediately and this has caused me stress and I believe Im being discriminated against

Company response to consumer: Closed with explanation