BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-16
Company: Experian Information Solutions 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:
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 XXXX Account Number : XXXX Account Name : XXXX, XXXX. 
Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX has violated my rights. Or the list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 or 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 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 2023-03-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I deposited a check at Chase Bank on XX/XX/2023 from my insurance company XXXX XXXX, in the amount of {$20000.00}. The check was in the name of myself and my lender. The check was returned and a legal copy sent to me. I went into the branch and redeposited the check with the branch manager, the check was placed on hold until XX/XX/XXXX. Once the funds cleared my account was restricted. The bank returned to me {$1400.00} which was the monies I had over and above the deposit of {$20000.00}. I contacted Chase with my lender XXXXXXXX XXXX  and XXXX asked Chase to send another legal copy of the check to endorse-yet Chase refused and then closed the account. As of now the monies to repair my home are just sitting with Chase bank in a suspense account-and my home needs to be repaired. Would be grateful for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Last year ( XXXX ), my escrow account paid a total tax is {$8800.00} for my new house. However, the loan company ( Lakeview Loan Servicing , LLC ) forecasted the tax number would be {$14000.00} for this year ( XXXX ). They claimed the XXXX tax is not based on a full assessment which doesn't make sense to 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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 According to the reports, this account was opened on XX/XX/2018. It shows " charge off '' in the status section. Any debt that has been charged off is now a certificate of indebtedness, which is considered income and should NOT be on my credit report. This is a violation of 15 U.S. Code 1681, which 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 non-monetary relief
Consumer complaint received 2023-03-16
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Per my initial CFPB COMPLAINT XXXX, Rushmore Loan Management Services continues to insist that my mortgage payment for XX/XX/XXXX was not received, even with a confirmation # XXXX & FURTHER proof from their own online portal! 
Ive attached all required documentation for review and REIMBURSEMENT!!! 

This company has completed taken advantage of the fact that I am XXXX, and has an absolute nightmare to deal with since my loan was sold over in XXXX by my previous mortgage company ( XXXX XXXX )!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: SYNCHRONY FINANCIAL
State: CA
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:
Yesterday XXXX and XXXX informed me of several credit inquiries on my credit report that were not me. So I am going through the process of disputing them now.

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 2023-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
There are XXXX transactions in which funds were withdrawn from my account but did not arrive to the recipient. The recipient is my child 's daycare provider with whom we regularly pay. The recipient share with me their bank statements showing the XXXX payments were not received. Capital One has not acted in good faith in providing documentation as to where these monies were delivered, IF delivered. I called on XX/XX/XXXX to request documentation. I was initially told documentation takes 1-2 business days. I called on XX/XX/XXXX, in the same conversation, the representative told me documentation takes 1-2 business days, 2-3 business days, and 3-5 business days. I called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. No one can tell me why the funds have not arrived, where the funds are, or when I'm going to receive documentation regarding these claims. The XXXX transactions total {$7600.00}. This does not include 2 additional transactions that I have not filed claims for. Attached are my bank statements for XXXX. The noted transactions did not arrive to the recipient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX I received an email stating that my loan had to be seasoned for 2 years to request PMI removal or pay {$86000.00} to remove the PMI. XX/XX/XXXX I received an email stating that I could proceed with PMI removal based on current property value & I had to pay for an appraisal or bpo. I paid for the appraisal & on XX/XX/XXXX I received an email stating that my appraisal left me with an LTV of 79.90 % but I didn't qualify now because my loan is between 2 to 5 years and the LTV needs to be 75 % but I can appeal the appraisal or pay {$23000.00} to remove the PMI. I appealed the appraisal & on XX/XX/XXXX my LTV was changed to 75.80 %. I have jumped through hoops to have the PMI removed and the LTV is being configured on a silent second due to a COVID 19 payment deferral that I had to have because I had lost income in my household, but I have since resumed making regular mortgage payments. I'm requesting to have the PMI removed from my loan based on the fact that my loan amount is {$420000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Amsher Collection Services, Inc.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My XXXX credit report shows a debt not owed that is a result of identity theft/fraud. The Debt is in collections status through Amsher Collection Services. I have never lived in the place the debt was incurred. The debt is not mine. To my knowledge, I've never had an account with Charter Communications. A simple examination of my address history should show that I never took out an account in the city in which the Charter Communications debt was incurred. Below is the debt info taken from my XXXX Credit Report : Amsher Account Information Address XXXX XXXX XXXX, XXXX XXXX XXXX, AL XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX High Balance {$570.00} Original Creditor CHARTER COMMUNICATIONS LLC Past Due {$570.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks Account previously in dispute-now resolved. reported by credit grant ; >PLACED FOR COLLECTION<

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
capital one does not allow you to pay off cash advance balances. on their back end, they treat it as two accounts and allocate payments to the lowest APR account first, then remaining balance to cash advances. interest on these are billed separately. the consumer has to treat the card as one single account, and do not have the same ability they have to allocate payments. the consumer can only submit money and let their system allocate it in the most profitable way possible. they effectively create an account that has no way to be paid off until the entire balance is paid in full. i have called them and was told by two seperate supervisors that i need to pay the full balance on purchases in for my payments to start effecting the cash advance balance. this creates an interest charge that can not be paid off until the whole card is paid off. this is a predatory practice to shuffle funds around and allow fees and interest to continue to accrue with zero options other than to pay the interest i cant touch for the life of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
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:
I had an employee who was fired from the company for stealing I believe open these accounts XXXX  as i never received any od these high ticket items they show I owe.

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 2023-03-16
Company: Experian Information Solutions 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:
I was informed that XXXX XXXXXXXX XXXX made a hard inquiry on my credit report on XX/XX/23. I did not authorize this inquiry, or apply for any sort of loan, mortgage, or credit card.

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 2023-03-16
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am disputing a credit issue related to my XXXX XXXX  Account. The account was initially set up for recurring payments of {$2400.00}, but on XX/XX/2023, XXXX issued a new payment amount of {$2400.00}, which resulted in the cancellation of the previous recurring payment. Unfortunately, the new payment was rejected by XXXX 's payment system, causing two delinquent payments- one in XXXX and one in XXXX of 2023 - for the amount of {$2400.00}. 

Despite XXXX 's customer representative XXXX 's confirmation that delinquency notices were mailed to my property address, I did not receive any notices and suspect that they may have been misplaced, as this is a common occurrence in my building. 

I have a long history of consistent and timely payments to the mortgage holder, with no late payments and additional principal payments. I strongly believe that the delinquency related to this mortgage account is the result of technological errors and the United States Postal Service. 

I am kindly requesting that the credit reporting agencies waive the delinquency notice associated with my mortgage account, as it was not a result of any negligence on my part. I am confident that upon review, the credit bureaus will recognize my track record of responsible and timely payments, and that the delinquency was a result of unforeseeable circumstances. 

I would greatly appreciate your cooperation in resolving this matter, and look forward to your response. Thank you for your time and attention.

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 2023-03-16
Company: Experian Information Solutions Inc.
State: NY
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account XXXX : XXXX has violated my rights. Or the list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 or 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 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 2024-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX XX/XX/XXXX ( Wednesday ) Note : Please note that we are unable to respond to or review information that has not been made available to the complainant. COMPLAINT ID : XXXX. SUBMITTED XXXX As of XXXX XX/XX/XXXX ( Tuesday ), and I have NOT received a response from Bank of America USA . As of XX/XX/XXXX, I have NOT received a response from Bank of America USA. I have NOT received a response from Bank of America USA via XXXX, XXXX, Personal courier, Professional courier, XXXX XXXXXXXX. Review the companys response to your complaint. ( The company has responded to your complaint. Log in to the Bureaus secure website to review the companys response online. You can also review the companys response by phone with someone. Thank you for participating in our complaint process. This complaint is now closed. COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Friday Bank of America , U.S.A. Consumer Financial Protection Bureau Attn : Consumer Financial Protection Bureau Subject : Inquiry Regarding Banking Practices and Legal Obligations Reference : 1. Consumer Financial Protection Bureau Complaints ( 2 pgs. ) 2. XXXX XXXX ( 4 pgs. ) 3. CFPB Complaints : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX Bank of America XXXX Consumer Financial Protection Bureau , I am reaching out to file an additional compliant on certain banking practices and the legal obligations that banks must adhere to, particularly in relation to customer information and potential retaliatory actions. I have recently encountered situations that have raised concerns regarding the sharing, closing accounts being investigated, selling/sharing of clients personal information, and withholding of information. I am seeking information to better understand the bank 's policies in these areas and how they align with relevant legal regulations. Specifically, I am interested in whether it is against the law for a U.S.A. bank to engage in retaliatory actions against a customer who seeks information or lodges a complaint. XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX Transparency is crucial in maintaining trust between customers and their financial institutions, and I believe a clear understanding of these matters is essential for both parties. If there are specific legal provisions or guidelines that govern the sharing, closing, selling, and withholding of customer information, I would appreciate it if you could provide me with relevant details. I appreciate your attention to this matter and look forward to receiving information that will help clarify these aspects. Thank you for your prompt response and assistance. Respectfully submitted, 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 2023-03-16
Company: SYNCHRONY FINANCIAL
State: OK
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 have an XXXX credit score. We have two accounts already with Synchrony Bank. 
About 2 months ago I applied for a Sams Club card with Synchrony Bank, and received a card and activated it. I called and requested a card for my wife so she could use the card. 
Customer service said it would take 30 days before they could send one. I told them if they could not be accomodating, to close the account.Was told there had been an address change. We have had the same address for 21 years. On XX/XX/XXXX, I made an application again and when I called customer service was told it was rejected. Could not get a reason why and didn't know how to get card. I wrote letters to the president of Synchrony and Sams Club, with no reply. I spoke to 6 different departments over 30 minutes and got no answers. Apparently Synchrony Bank customer service is in disarray Still would like to get the credit card, but someone must get Synchrony to correctly service consumers.

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 2023-03-16
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was transported by ambulance in XXXX from XXXX XXXX XXXX, XXXX FL to XXXX XXXX XXXX XXXX XXXX because I was XXXX XXXX. I never received a bill from XXXX XXXX XXXX XXXX XXXX ). If I had received a bill, I would have given XXXX my XXXX XXXX XXXX XXXX from Florida XXXX XXXX. 

In XXXX, I was advised that I had a collection on my credit report from XXXX. Phoenix Financial Service had purchased the XXXX debt from XXXX and listed it on my credit reported as opened on XX/XX/XXXX. Now this XXXX debt will be on my credit report until at XXXX, unless Phoenix Financial Services due what most collection agencies due, they keep changing the opening date of the collection to keep it alive on your credit report. 

PHOENIX FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX These people are predator collection agency, will not stop writing and calling ever though I have asked them to stop. 

This is an old debt that should not be on my credit report as it is a medical bill Thanks for you assistance with this matter Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX I was called by a verified Bank of America customer service number XXXX. The correspondent said his name was XXXX from the Bank of America fraud department. XXXX mentioned that there had been some activity on my account from Wisconsin. I live in XXXX, NC and had no connection. I was skeptical at the call but what had got me was the fact that XXXX knew the last XXXX digits of my social security number, date of birth, and last XXXX of my account number. After I complied with this caller, my account was wiped of {$3400.00}. I was very disappointed, because how can I trust any Bank of America number after this happened to me. I usually dont comply with calls like this but that fact that a correct Bank of America number called me 4 times spark a concern from me. I dont know if this is the right people to report this too but I am concerned not just for myself but for others who might be put in the same situation.

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 2023-03-16
Company: WELLS FARGO & COMPANY
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I was banking with wells Fargo. A transaction was make. Which I disputed. My account was closed. Am I won my dispute years later. It was cleared but over time I wasnt able to open account due to a Wells Fargo hold

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