BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-18
Company: ONLINE Information Services, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
checking my credit report and a new collection was on my report that I shouldn't have because my insurance paid all my hospital and medical bills. the collection agency is called ONLINE INFORMATION SERVICES, this company is a fraud company when I looked it up and said I owe {$190.00} to a company called XXXX XXXX TX XXXX please remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: NEW YORK COMMUNITY BANCORP INC
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX {$520.00} {$620.00} is the balance now as I opened with a XXXX deposit. There was promo for XXXX if I made a direct deposit from outside ( ACH ). I would get the bonus in 104 days. It's now XX/XX/XXXX, well past the XXXX days period to get the bonus. I called 2x and each time the rep was very helpful and stated that they had to send it to a person in a higher position. That after holding over 30 minutes each time. They said I would get a call in a few days. Calls never came. Email never came. Voice messages never came. I sent 2 secure emails from their web site and just got a standard answer telling me to call. They advertise the bonus of XXXX and I met the requirements. here is their ad... 
Locations " Get a cash bonus up to {$350.00} XXXX  : /XXXX when you open a new checking account. 

Come for the bonus. Stay for the service. 

Build a lasting relationship with a bank you can count onand get a cash bonus up to {$350.00}. 
A woman smiling and looking to the right Hurry! Offer expires XX/XX/XXXX. 

XXXX ways to get started {$250.00} Cash Bonus My Community Free XXXX Simplified Checking with no monthly service fees! XXXX APPLY ONLINE OR OPEN AT A BRANCH {$350.00} Cash Bonus My Community Interest XXXX Checking that earns interest! 
Monthly maintenance fee waived with a daily balance of {$500.00}. 

APPLY ONLINE OR OPEN AT A BRANCH How to get your bonus XXXX Choose your account. 

Open a My Community Free Checking account with {$1.00} or more or a My Community Interest Checking account with {$100.00} or more. 
XXXX Meet these requirements. 

Maintain an average daily balance of {$500.00} or more for the first 90 days. 
AND Have XXXX or more direct deposits ( ACH credits ) totaling {$500.00} or more in the first 90 days. 
XXXX Get your bonus! 

You will receive a bonus credit in your new account XXXX - XXXX days after the account 's initial funding. 

Both accounts come with Man standing near a window XXXX XXXX ATMs Man standing near a window NYCB Online and Mobile Banking Man standing near a window Unlimited check writing Man standing near a window Free NYCB Debit Card Why bank with us? " I I kept XXXX in the acct for 90 days. It also says you can open the acct online for the XXXX bonus. I need the XXXX! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This is a follow up to an earlier complaint against Webster Bank - branch on XXXX XXXX in XXXX. I have been trying to add beneficieries to my checking and savings accounts for months. Once I visited the branch and they told me I need to physically bring my beneficiaries to the branch in order to add them. This is crazy because they live out of state! Second time I was told I can add by filling our a form on line. I looked many times and had a banking attorney look - there is no beneficiary form. I called customer service, they confirmed there is no beneficiary form but also said I don't have to bring my beneficiaries to the branch. I just need their information. Customer Service rep said he'll send an email to the branch. Right after, last Saturday, XX/XX/XXXX, I got a call asking me for all the information over the phone but I was driving and said I'll stop by the branch on Monday. Today, XX/XX/XXXX, I stopped by the branch and the representative XXXX XXXX said I have to have my deceased wife removed from the account before I can add beneficiaries. My attorneys who are working on the estate talked to him and told him it's not possible to remove her yet because the estate is not yet closed and she'll be receiving Social Security and other pension pay outs of a few more months. XXXX insisted that beneficiaries can't be added without removing my deceased wife. My lawyers tried to explain that beneficiaries has nothing to do with her being on the account and there is a valid XXXX XXXX and asked to speak to a XXXX or legal department. XXXX wouldn't accept that and told us to call Customer Service. So Webster Bank is denying me the right to structure my estate because of some incomprehensible rule they adopted. I'm XXXX XXXX XXXX and their policies, procedures and uninformed employees have dragged this simple process on for many months.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card
Issue: Credit determination

Complaint:
I was solicited by Bank of America for a Mastercard XX/XX/XXXX. I applied for the card and was accepted. XX/XX/XXXX, I was solicited for a XXXX card, a XXXX card. Since this was my alma mater for both of my degrees, I applied for this credit card. 
I was rejected for this XXXX card, with the explanation given that " you have current or past delinquency on your account ( s ) with us and/or our affiliates. '' The subsequent paragraph stated that " This decision was based upon an assessment of your application, current economic trends and a copy of your credit report or reports. " I immediately wrote bank to BAC, certified mail with receipt, highlighting the following points:1. I pulled my current report and there were no current or past delinquencies on the report. 
2. I pointed out that they had just approved me for an account for {$2500.00} in the prior month, mentioning none of these reasons. 
3. I did point out that I did have delinquencies with MBNA in XX/XX/XXXX-XX/XX/XXXX, with the accounts being eventually settled based upon settlement offers. This information should not be included as a current reason, especially if it was n't being applied in a consistent manner. 
4. I stated that there denial seemed arbitrary and capricious, as they were not applying consistent methods of reviewing and making credit decisions. 

The response I received from them addressed none of my points, instead stating the cliche " unable to approve your request because you have sufficient utilization of your credit and you have sufficient balances on your revolving credit lines. " To add insult to injury, they did a hard pull on my credit, so that it shows XXXX hard inquiries ; XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX, further damaging the credit record even though the original application and the appeal were within 30-45 days of each other.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-06-18
Company: EQUIFAX, INC.
State: NY
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX  days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: FL
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:
Hello, Please completely remove me as authorized user from the XXXX XXXX credit card attached. 

Please completely remove this tradeline from XXXX, Equifax, and XXXX- so it does not show at all. 

Attached to this CFPB is : - written request to remove - copy of the credit card ( now shredded ) - copy of my drivers license, social security card, and address Please have this handled as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In XXXX of XXXX I reached out to XXXX XXXX XXXX XXXX XXXX XXXX to make an arrangement to pay off my auto loan debt after I voluntarily surrendered it in XX/XX/XXXX. I was told that it need to be placed with a collection agency before I can set up any payment arrangements. Several calls and months later the account was still not placed. I contacted the XXXX XXXX customer service department 3 times on XX/XX/XXXX and received 2 additional departments to contact because they are not allowed to discuss this account because it is not with their department, and that I needed to speak with XXXX XXXX the collection account holder ). I spoke with XXXX XXXX at XXXX who stated she could not pull up the account. I asked for a supervisor and was informed that the account was recalled in XXXX of XXXX. I never received contact from the collection agency nor was it reported with a new collection on any of my credit reports. I was referred back to XXXX XXXX because the account was recalled. When I returned the call I spoke with XXXX XXXX ID : XXXX, and was hung up on after explaining my situation. I then spoke to XXXX XXXX ID : XXXX who confirmed XXXX notes and transferred me to a team lead. The team lead could not explain why I was never contacted by the collection agency or why it has not been replaced for collection after one year. I believe the lenders behavior violates section 807 # 14 of The Fair Debt Collection Practices Act which states The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization. 

I believe that the lender and or new collection agency deliberately failed to update my credit report with the appropriate contact information to contact XXXX to resolve my debt which prevented me the opportunity from arranging a settlement agreement ; leaving only the option to pay in full through XXXX XXXX XXXX. I have yet to speak with any supervisors/managers regarding my issue and was told that they are unavailable on many occasions and that it will take 3 weeks for someone to call me back. I am filing this complaint to seek all remedies afforded to me under the Fair Credit Reporting Act as your department sees fit. My account number for XXXX is XXXX. Thank you in advance for your help in this matter.

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 2023-05-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
If I was able to leave a XXXX I would!!! i have been with USAA for 20 years, that being said. When someone hacked into my account, took XXXX out of my account I filed for fraudulent activity! USAA employee told me they'd look into this, and would take about 5-10 business days. I then try and go into my account to make sure no more money was taken I no longer had access. It took me waaaaaay too long trying to get a hold of someone to tell me " Oh that's just part of our process '' Um, don't you think that should've been mentioned during the FIRST phone call!!! I'm literally about to have a panic attack thinking someone got into my account again!! A day later they call back, and said there's NOTHING they can do about it!! They then proceed to tell me that they are going to unfreeze my accounts despite not having any information or handling this fraud stuff!! I then asked is my account and my information 100 % safe, the USAA employee then proceeded to inform me they can NOT keep my information or my account SAFE!!! After all of this we find out they do NOT have a fraud department, it's all XXXX!! RUN AROUND AFTER RUN AROUND, so after 20 YEARS I AM DONE!!!!! All my employee friends and family will know about this!! I will make sure the military know as well!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: OH
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 have forwarded this information over to XXXX Equifax and XXXX to remove this late payment from my credit profile I spoke with a representative on XX/XX/XXXX with all three bureaus and they have refused to do so XXXX XXXX XXXX  has agreed to remove the late payment from XX/XX/XXXX from my credit report and the bureaus are not taking this removal seriously and is refusing to remove this from my payment history this had been a headache and has been negatively affecting my credit score as I am trying to buy a home I have attached the proof that XXXXXXXX XXXX XXXX wants this removed from my credit report and these companies are giving me a hard time removing them!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: SC
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 OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XX/XX/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 2021-05-25
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XX/XX/XXXX Nationstar d/b/a Mr. Cooper has made it very difficult and impossible to resolve my mortgage problem. They have prolong the court hearing for NO REASON by stating DOCUMENTS INCOMPLETE. Which they original stated were turned in via Mr. Cooper website. I was kept in foreclosure and the fees tripled and the ROBO calls kept coming even though NO ONE would every pickup. I have written letters both to Mr. Cooper and other agency regarding in unfair treatment of this company. HUD and CFPB and XXXX XXXX. before COVID and even during this company has harassed me to send money without even giving me documents or legal counsel. We were in mediation and out of the blue I was getting calls from Mr. Cooper to sent in money. Your HELP will be greatly appreciated. Thank You FYI XX/XX/XXXX State Of Connecticut - Attorney General XXXX XXXX Settled past violations that affecting thousands of Mr. Cooper customers ( {$86.00} million ) This is my 3rd complaint I have filed regarding this company!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: ATLANTIC UNION BANKSHARES CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I contacted XXXX XXXX XXXX to start the process of refinancing my primary and home equity line of credit. I was informed that there were NO real estate loans reflected on my three credit bureau reports. I have had the primary loan since XX/XX/XXXX and the LOC since approximately XX/XX/XXXX. 
The original mortgage was taken out through XXXX XXXX  XXXX XXXX, VA. In XXXX, XXXX XXXX XXXX acquired or merged XXXX XXXX. Both loans were reported under the XXXX name after the merger. On XX/XX/XXXX Union Bank and Trust of VA  bought XXXX and acquired XXXX 's loan portfolio. 
I contacted my bank 's branch manager and the bank 's customer service department, Both contacts responded that their loan department had " legally '' determined they were withholding credit information for due deligence for a period of sixty days, and I could expect the reporting to resume at the end of XXXX. My Branch Manager twisted someone's arm and supposidly was able to have the bank manually forward my credit history with them in XX/XX/XXXX It would take 72 hours for the data to be uploaded. 
On XX/XX/XXXX I checked XXXX XXXX. XXXX  still did not reflect my real estate loans. XXXX  did reflect one ( 1 ) real estate one, with most recent activity being XXXX, XXXX. Today, XX/XX/XXXX neither XXXX nor XXXX  reflect any real estate loans on my credit file. 
On XX/XX/XXXX {$30.00} was removed from my checking account via on-line banking. That payment went to an incorrect account. The customer service folks were informed of the lost payment on XX/XX/XXXX, after I had received a phone call from the vendor. To date I still do not have my funds back. 
I have treid to speak with a bank officer, but have been told that information is not available to customers. 
I want to be able to get my mortgages and my checking account out of this bank " Union Bank and Trust of Va '' as soon as possible- but they are holding my information.

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 2019-11-18
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX there was a cash withdrawal of {$6000.00} made from my business account. I did not make the withdrawal and it's obviously someone within the bank branch that did. I have emails placing me at my work at that time, the IP address on the emails line up with my work router. Also the handwriting on the withdrawal slip is not mine. 
I attempted to deal with CHASE on this, after over a month of consideration they are declining to pay me. My accountants did not discover this until mid XXXX of XXXX, Chase is saying it was too late to do anything about it. 
I have been a customer there for over 22 years. I have a mortgage and an IRA with them. I have no history of any fraudulent activity with them or any bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citi closed my account with no notice and remove all my points balance.

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