BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX, USDOE/XXXXXXXX Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ive had a U.S. bank account for less than a month and it has been the most inconvenient experience Ive ever had. I havent been able to use my card for large transactions, and merchants have blocked me from using their services online due to the restrictions and flags placed by US bank. When adding my card to XXXX XXXX, I had to call in and wait on hold to complete the process. Not even 24 hours after having my card attached to XXXX XXXX, I had to remove it and have been unable to add it back. After almost an hour on the phone with 4 different departments and a manager, theyre telling me there is a block on my card and a specialist will reach out to me in 24-48 hours to unblock my card. Manager XXXX I just spoke to also informed me I may not be able to withdraw my funds from this account in person. This makes absolutely no sense that US bank is holding my funds from me with no resolution from customer service. Need this rectified asap as I need to use my card and have access to my money.

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 2023-04-11
Company: EQUIFAX, 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/2017 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I've a totally XXXX son XXXX yrs of age, my ex-wife was his legal guardian but past away unexpectedly XX/XX/2022. Myself his father and current wife have since been appointed by the court of XXXX XXXX WI as his new legal guardian 's we've provided Chase Bank with copies of the court documents and copy of her death certificate including copies of her guardianship. We currently reside in XXXX NC and are trying to get my son relocated to NC from WI, he's currently in a XXXX XXXX  due his condition, he has severe XXXX XXXX unable to speak nor do anything for himself. We've made four trips to the Chase bank in XXXX NC over the past 3 month attempting to get his acct either transferred into our names or closed. It's a 40 minute drive one way from our home to the bank, they don't return phone calls and won't tell us why they won't approve our closing of the account or grant us access to it. We keep getting conflicting information from them. This has held up him getting his payments from social security. We've since opened an acct for him with us as his guardians at XXXX XXXX XXXX  and just now received a deposit from Social Security. 
However there's still an unknown amount of funds in the Chase bank checking account they're refusing to allow us access to. My wife and I have been trying since early XXXX to get his banking in order and are fed up with their lack of response to this issue, please help us because we don't understand why this is such a problem with them and it's gone on far too long, my son needs his money to help cover the cost of transport here to NC to be closer to us. Thanks in advance for any and all assistance you may provide,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: FL
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 following creditors have violated my rights. XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX 15 U.S.C 1681 section 602 A., state I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also state a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Shellpoint Partners, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage with Shellpoint has been under 78 % since XXXX of 2023. I have sent 3 letters requesting cancellation of PMI each 2 weeks apart beginning XX/XX/XXXX. We were notified by Shellpoint that we would have to pay for an appraisal to remove PMI. I called Shellpoint and they told me they could not help over the phone it had to be handled by email correspondence. Another letter came in the mail saying we still had to have an appraisal to cancel PMI. Called in again on XX/XX/XXXX after another PMI payment came out and the customer service rep said that our loan was at 79 % not 76 % and they would not cancel PMI. They are lying about the loan percentage and will not cancel our PMI according to federal rules and regulations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XXXX I redeemed rewards points on my Chase Freedom card for an Amazon {$50.00} digital gift card. I received an email at my email, XXXX, confirming receipt of my gift card order. The email stated that Chase would send the digital gift card either immediately or within 48 hours. I checked my email, including spam folder and did not receive the email containing the digital card. 
XXXX-spoke to Chase customer service and was told they would investigate and send another card. 
XXXX -- After not receiving the card I spoke to supervisor at Chase customer service and was told he would expedite the matter and send the digital card within 10 days. 
XXXX not receiving the card I spoke to customer service and was told she would send a physical card to my home at XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. 
XXXX After not receiving the card I spoke to customer service and was told a digital card was sent on XXXX to my e-mail. No email received. Requested a physical card be sent to home

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have tried and tried with all three reporting credit agencies to remove the credit report of the information of XXXX XXXX  since finding out that it is past seven years which is allotted to all things reporting on credit report and this account is still opened and not deleted from credit report and negatively making my credit score not be reported as accurate and it is a collection right off which means it is income being reported on my report and according to fcra that is illegal and should have been removed long time ago and I never gave permission for it to be reported. I have tried to get this removed and deleted from all credit reporting and they have yet to remove and came to you before on this matter and they still have not done anything about getting it removed

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 2023-03-24
Company: EQUIFAX, INC.
State: MD
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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 2023-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX cell XXXX work RE : XXXX XXXX XXXX XXXX File Number : XXXX I am requesting that the above matter be looked into. As of XX/XX/XXXX the above loan was paid off in the amount of {$47000.00} The above credit line mortgage was taken out in XXXX of XXXX with Countrywide Mortgage, at that time we only used {$17000.00} of a {$40000.00} credit line mortgage. Due to the recession in XXXX I did not pay the credit line mortgage and in XXXX was advised I could no longer access the account. 
We filed bankruptcy in XXXX and eventually were able to modify our first mortgage with Countrywide which at that time was taken over by Bank of America and the credit line mortgage we did not hear anything about. 
In XXXX the credit line mortgage was sold to XXXX which became XXXX which is now New Rez Financial which in XXXX the loan was sold to XXXX XXXX XXXX. We only know this after contacting each of these companies to find out how much interest was accrued on this loan as we paid {$47000.00} to XXXX XXXX XXXX to pay this loan when we sold our home last year. I was also advised from each lender that when the loan was transferred so are all of the records on the loan. 
Through all the years we never received anything except one letter from XXXX XXXX that took over the loan but no statements or anything. 
I contacted XXXX XXXX XXXX several times in the past week to find out how much interest we paid on this loan and was advised no interest was paid. 
That can not be possible as there is not XXXX lender that does not charge interest on any loan that is taken out and also we would like to see proof of how much of the equity line was accessed since we only accessed {$17000.00} of {$40000.00} and no one can tell me that either. 
I am filing this complaint today because not one of these lenders can provide me with any information on this other than that it was transferred to this lender and they would have the records and I hear the same from each lender I contact regarding this matter I believe that none of the above lenders have my original documents which is very troubling. As an end note I am wondering what happened to the XXXX XXXX dollar escrow fund set up to assist borrowers who took out equity line of credit mortgages with XXXX XXXX XXXX during the banking collapse. 
Thank you for cooperation and courtesies in helping us with this matter. 
Please contact me if you need any further information regarding this matter either by phone XXXX to XXXX at XXXX or after XXXX XXXX at XXXX or by email 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 2023-03-24
Company: Experian Information Solutions Inc.
State: SC
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: Problem with personal statement of dispute

Complaint:
This is not a duplicate this is not a duplicate my name is XXXX XXXX I'm a living breathing human being my address is XXXX XXXX XXXX XXXX XXXX South Carolina XXXX my phone number is XXXX is it complaint is against Experian on a file XXXX they have launched a consumer statement on this account with and was never asked to do so they have fraudulently included this statement on my account for everyone to see and put words in my mouth that I did not tell them to that is an illegal move from a cra I would like to have this removed or else I'm going to call law enforcement not the FTC law enforcement because you can not legally place anything on my credit report saying that I said it if I did not I did not tell them to place this therefore it is illegal for them to do so

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 2023-03-24
Company: WELLS FARGO & COMPANY
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, I was a XXXX XXXX XXXX XXXX. My husband is a XXXX veteran who owns a small business. His small business was struggling due to Covid related economic issues. We reached out to Wells Fargo about suspending our mortgage payments for 6 months. They were very helpful and after 6 months they offered 6 more. At 12 months they offered 6 more and we declined. We resumed our normal payments. 9 months later, Wells Fargo decided to take our mortgage back to underwriting, stating we might not qualify for the same amount or interest rate. My husband was both very scared about losing our home and upset because we had already resumed payments at the full amount, and had never even been late. Two years later we are still dealing with Wells Fargo. We did everything they asked with underwriting. They change our interest rate. Very unfair. We just dealt with it and let it go until now. Now we are receiving letters stating because of us pausing our mortgage our escrow account is in the negative and we need to write them a check for {$12000.00}. We need help. I dont know what to do with them. They were supposed to help us during a global crisis and instead all they have done is cause us extra stress and burden.

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 2023-03-24
Company: Experian Information Solutions Inc.
State: OK
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:
bankruptcy case number 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 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 2023-03-24
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold off in XX/XX/XXXX from XXXX to Freedom Mortgage. Freedom Mortgage has failed to acknowledge payments made with XXXX that were advance mortgage payments that were paid ahead in time. Even though I have provided all documentation proving these payments were made and they are aware these payments were made, they are failing to report XXXX and XXXX escrow payments and causing my account to go into an escrow shortage because they feel since these payments were made when I was with XXXX, they dont need to do anything. Also, anytime I make a payment over the phone to one of there live agents, they seem to not understand on how to properly distribute payments when they receive them, as they will put 100 % of your monthly payment into only principle and causing the rest such as escrow and interest to not be paid for. As of XX/XX/XXXX, they falsely reported to my credit company that my mortgage balance increased by {$2500.00}, causing my credit score to drop. They have not provided any documentation showing there findings, nor were they professional at any point during the process. Freedom Mortgage is not a professional mortgage company and are responsible for mismanaging many peoples loans. Please investigate this mortgage company and investigate my concerns, or there errors and there mistakes could cause me to go into foreclosure. 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 2023-03-24
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have had 3 accounts with MySynchrony. Two of them I paid off entirely and paid at least double the credit for both of them, around {$2000.00} each. 

The third was a Synchrony Credit card, which I made several payments to, but could not keep up with, especially with the interest accrual. 

Synchrony forwarded the debt to a debt collector, which erroneously filed a lawsuit against me in New York, serving the lawsuit to my parents house in XXXX, NY. 

I informed Synchrony and the credit collection agency that I have not lived in New York for several years. Synchrony said when the account was returned to them, they would contact me about settling the debt. This was in XX/XX/XXXX. 

This month, XX/XX/XXXX, I received notices in the mail from debt relief agencies that I have had a lawsuit filed against me by MySynchrony for this debt in Florida. I never received any lawsuit, even though I provided MySynchrony with my current address in my correspondence with them in XX/XX/XXXX. I also followed up via email with XXXX, from the company 's Office of the President who I had spoken with by phone and email and she never replied after I had spoken to the credit collection agency in NY. 

I have made efforts to directly negotiate a settlement with MySynchrony, instead they've ignored me and had a collections agency file a lawsuit that I never received, and have only been informed of because my current address was somehow provided to debt relief companies.

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 2023-03-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Chase bank is blocking ALL avenues of communication to resolve freezing $ XXXX & even harassing us my mocking attempts to talk! 

My brother 's inquiry into his old acct had been mis-labelled " fraud '' ( by bank teller ) on my mother 's new checking acct. They froze my mom 's new acct. I submitted POA in order to resolve. Chase will NOT honor POA. 

Now Chase REFUSE to speak to any of us my mother-owner of acct my brother who wants to withdraw inquiry & is trying to eliminate claim of fraud or me -- I've gotten a Power of Attorney in order to speak for my mother, but Chase refuses to honor it Chase instead sends us on ENDLESS loop of call this dept who transfer & disconnect & /or say they can do NOTHING Finally a person from " escalation '' ( XXXX ext XXXX ) phones me & asks ME to verify myself -- since she called me & I'm tired of jumping thru hoops that DO NOTHING I say no. You can verify by calling me back. 

She does not call back I call her back & she refuses TO SPEAK TO ME TIL 3 MORE DAYS. 
That's just a control & HARASSMENT move to let us know they are in 100 % control. There was NO REASON to not speak to me & make me wait 3 more days while my mom has XXXX money for food & to pay bills. Her $ XXXX is frozen with NO AVENUE for resolution. Chase is just keeping her money & MOCKING our endless attempts to resolve this. 

Their whole strategy is to keep my mom 's money & NOT speak to any of us! 

Chase needs to open avenues of resolution not play control games to NOT speak to issue

Company response to consumer: Closed with explanation