BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
During the pandemic I wrote a salary check from a business account at another bank to myself. The amount was too large for mobile deposit so Bank of America automatically advises you to use the ATM. I used the ATM to deposit {$35000.00}. on XX/XX/XXXX. The ATM ALWAYS alerts you that there is a hold that will be placed on the deposit, and it DOES NOT tell you how long the hold will be. The reasonable amount is 2-4 days. 

I got a receipt that said that my funds would not be available AT ALL until XX/XX/XXXX. 

That is a 2 week hold and also not warranted as the funds are from My company to Myself, and I am able to check balances. 

I immediately called customer service who said that the Bank branch manager would be able to release that ridiculously long hold. 

I contacted my Branch and made an appointment. At the branch I spoke to XXXX XXXX. He also suggested that the money could be released. 

I went in person to speak to them and they said to wait until Monday and I did so. I called the Hold release phone number on Monday XX/XX/XXXX. 
XXXX XXXX Consumers Deposit Department Supervisor informed me that the money needed to be released to them. I have documentation from my other bank that those funds have been released so Bank of America is lying and holding on to {$35000.00}. For an Unreasonable amount of time. 

I have been a customer of the bank in good standing for 38 years. I have not bounced a check nor have I any history fraud, and I have documentation on BOTH sides of this transaction. This is stealing. And it also creates tax fraud as they are misrepresenting income in a different fiscal year.

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 2020-12-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My grandmother the account owner is XXXX XXXX XXXX SS # ending in XXXX passed away 4 years ago. My mother XXXX XXXX XXXX was the previous trustee of the XXXX XXXX XXXX XXXX XXXX passed away XX/XX/XXXX. I notified XXXX XXXX that I was the new trustee and provided them all of the needed documents to authorize me on the account. On XX/XX/2020 I walked into a XXXX dealership with my youngest son to purchase his first car and I discovered that XXXX XXXX has incorrectly reported this second mortgage to my credit saying I was 90 days delinquent. My credit was XXXX and it dropped to XXXX because of XXXX actions. I was unable to purchase a car that day. On XX/XX/2020 I contacted XXXX and spoke with my relationship XXXX XXXX XXXX explained to her what was happening. She confirmed that she would be escalating this complain. 

XXXX XX/XX/XXXX I have received three different notifications from my credit companies saying that because of my bad credit my credit line would be decreased. I immediately called XXXX XXXX and was hung up on at least 4 times. I finally speak to XXXX ID # XXXX who claims that I applied to be a successor in interest and that is why my credit is being reported. I have never provided XXXX my Social security or agreed to assume this loan. I am only the assigned trustee administering the account. XXXX transferred my call to a voicemail and was hung up on yet again. XXXX promised to submit a claim to the credit report department but not sure if he did that or not. 

I am requesting that you correct my credit immediately before you cause anymore harm. XXXX is in violation of the fair credit act.

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 2022-12-12
Company: Experian Information Solutions Inc.
State: VA
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:
Greetings credit reporting agencies, my name is XXXX XXXX XXXX XXXX, and I as a consumer, have observed that my information on my consumer report has been inaccurately and incorrectly furnished! Below are the creditors and companies that have violated my rights as a consumer for publishing my personal information without my written consent according to 15 U.S.C 1681 section 602 A and 15 U.S.C 1681 Section 604 A Section 2. Please take a moment to look at the accounts below that are being incorrectly furnished on my consumer report, and I as a consumer whose rights have been violated, I fully expect to see some positive changes to my report immediately thanks! 
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # 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 an account without my written instructions. 
Listed Above are the motives as to why these violations on my credit report NEED TO BE completely removed from my report! It is a violation of my consumer rights, and the information on there is being inaccurately reported, and I did not give any creditor nor any company WRITTEN CONSENT or PERMISSION to furnish any of the data above to my consumer report! The companies/creditors who are publishing my personal information to the consumer report is also a violation of my consumer rights, because I, as a consumer, have the right to privacy, and the creditors are clearly not respecting that! This is

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 2020-12-28
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have made deposits in TD Bank ATM machines. I have not been able to see these deposits on my statements. I have gone to the bank 5 times over the last two banking days. Each time I have been told that the bank can not go into the system and find my deposits and Identify them. I have been told to come back and or take a seat each time I have come to the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
This company is collecting a debt on behalf of XXXX XXXX XXXX XXXX. The date of service was XX/XX/XXXX at XXXX XXXX. The XXXX Associates fail to resubmit a medical claim to XXXX and XXXX for XXXX, which is both my insurance companies. The claim they originally submitted had the wrong social security numbers associated with the medical coverage. XXXX belong me to and XXXX for XXXX to my sponsor. We are both veterans. This CSA refuses to contact their client XXXX XXXX XXXX XXXX after I contacted XXXX about the errors in the submitted claim and rejected claim, and was told to tell XXXX XXXX XXXX XXXX to re-submit the claim even though it is very late. Under the circumstances of the wrong social security numbers used XXXX is only asking the medical provider to resubmit the claim for processing for payment. This CSA wants " money '', my money! I have 100 % health care coverage from the government and this CSA will not ask their client to resubmit, give me the client 's phone number or contact information. They are abrasive, rude and totally unprofessional with their service to a consumer. They told me that they could not verity my insurance with the government, and that was a total lie, the government never closes and I have had the same insurance for since my husband 's retirement in XX/XX/XXXX and I went on XXXX in XX/XX/XXXX, and nothing has change with my coverage. They just want cash money and I refuse to pay a collection agency that sent my name and this account to all three credit bureaus because they will not bill XXXX or XXXX for XXXX. They also refuse to send all three credit bureau a letter stating they falsely reported this debt. This is a violation of my consumer rights!

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 2023-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
All three reporting agencies have incorrectly stated that my oldest account is 10 years old when my oldest account is 20 years old with XXXX. { one more ridiculous XXXX XXXX XXXX see previous complaints } Additionally all three reporting agencies are more than 30 days late in reporting new balances this adversely affects my credit rating transunion is the worst offender but all 3 lag behind real time to an untenable degree. 
I am unsure if the mis-rating of my credit rating is retaliatory based on prior complaints to CFBP or just business as usual for this industry but my rating on all 3 should be XXXX thats post XXXX XXXX unlawful damage to my account. { If my accounts are unrestored by XX/XX/XXXX, I have counsel ready to serve XXXX legally but will not proceed with legal action until I receive the final resolution / company response from 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 2022-09-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing for the correction of the account XXXX XXXX XXXX XXXX with a Balance Owed : {$810.00} that has been erroneously reporting on my Credit File. This account is reported as a charge off account and yet it has been continuously reporting an alleged balance of {$810.00}. I do not know that much but for all I know Charge off accounts should report a {$0.00} balance. I have been frequently requesting that the Credit Bureaus remove the balance and change it to XXXX but the Credit Bureaus have been stubborn with their claims. Also, I have been requesting the Credit Bureaus to provide me copies of proof of verification since they have been reporting this account as verified in which I strongly disagree. I am now submitting this CFPB complaint to request to the Credit Bureaus that they either remove the balance and change it toXX/XX/XXXX or completely eradicate the disputed erroneous account from my Credit File.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just received a paper about a judgement in the mail, I did not get a court notice but when I looked online this card is over XXXX years old, its almost XXXX years old so I should have never even been taken to court cause its illegal in the state of PA to sue somebody over a debt thats XXXX years old. Also, this credit card which would be XXXX or XXXX was never even used by me. Also, I get a paper in the mail every few days, it needs to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I would like to obtain assistance in learning how U.S.Bank operate. I applied for a modification of my HELOC in XXXX of XXXX which was never approved and was told no payment would be due in XXXX of XXXX because the loan had matured. Now it is now XXXX of XXXX and U.S.Bank is still constantly providing incorrect information. XXXX of XXXX I requested a refinance of the Mortgage. I was provided information for the closing and was told I could select the title company. When I spoke the loan XXXX I was told they could not due the refinance and was not given explanation. I did submit the complaint to you. When I inquired about the response from U.S.Bank I was provided a number to otain the information from U.S. Bank. In viewing U.S.Bank 's response they stated I requested CASH OUT which was not true. Presently, U.S.Bank is still very confusing to me as a CONSUMER by sending me a letter dated XX/XX/XXXX and receiving notice from U.S.Bank 's legal Council dated XX/XX/XXXX regarding FORECLOSURE. I definitely need help in understanding how U.S. Bank service 'CONSUMERS ' This is ordeal is basically interfering with my HEALTH!!!!

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 2023-04-19
Company: Experian Information Solutions Inc.
State: NC
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 dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.

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 2020-12-16
Company: DFC Global Corp.
State: ID
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 have 5 inquiries that are not mine, nor did I approve them and they appear to all be fraud. 
* Money mart XXXX/XXXX/2020 XXXX XXXX/XXXX/2020 XXXX XXXX/XXXX/2020 *XXXX XXXX XXXX XXXX/XXXX/2020 XXXX XXXX/XXXX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened a new Total Checking and Savings account with Chase Bank on XX/XX/. I received an advertisement in the mail offering a {$600.00} bonus if I opened both accounts. I received both bonuses and decided to close these accounts due to the low interest rates on them after shopping around. There was no way for me to close them online, so I called Chase 's customer service on XX/XX/. The employee I spoke with on the phone told me that they could close my account, but I would owe them the {$600.00} bonus funds since I hadn't had my account open for XXXX months. I asked them where in the fine print it said that I had to keep the account open for that period of time, and they said I had agreed to it by opening the account. I continued to ask for evidence of this policy and asked for documentation, and they continually repeated that they could not provide any. I escalated the issue up through two managers, and still no one could provide me with any hard evidence. I was told that I would have to go to a physical bank to get a copy of the fine print I signed. I was told there is no way for them to send it to me electronically. I found a Chase webpage that outlines a similar deal ( https : //account.chase.com/consumer/banking/seo ) and, as in my case, nowhere does this page or the links included on it mention anywhere that the account must remain open for 6 months to retain the bonus. All their webpage states is : " To receive this bonus, the enrolled account must not be closed or restricted at the time of payout. '' The last manager I spoke with - XXXX, an account manager with Chase in Customer Service - advised me to submit a case for this issue and stated that this is the " first time this issue has happened. '' Yeah right. She said this would be a matter for their marketing department ; she placed me on a long hold and then returned saying she had requested information from them and that they would return to me in 3-5 days. I asked them why they were unable to connect me right away, and I was told their department doesn't take calls. XXXX stated the marketing department could provide me the terms and conditions for accounts, including the requirement that I keep my accounts open for 6 months to avoid the retraction of the bonus. I asked her to escalate the issue so that I would not be waiting days for a response, and she requested an " urgent request ' and said I should receive a call back XXXX hours later. I never received any call backs or responses at all from Chase. Your move Chase Bank, where are the receipts?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Home Point Financial Corporation
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is my 5th complaint without any resolution. My mortgage was brought current via Indiana XXXX XXXX Funds in XXXX, payment of {$26000.00}. Since then Homepoint Financial has added past due amounts that has went from {$6000.00} to now currently {$42000.00} in a matter of a few months, How's that happen? My housing councelor has made every attempt to contact Homepoint with no success. I've been advised that foreclosure has been filled yet again. I've requested and received a complete payment history and we have noticed 7 payments from 2016 of {$1000.00} each not listed on the payment history. We made these payments via certified bank check and have requested copies of the cleared checks from our bank. If these payments were not credited to me Homepoint has no grounds for foreclosure. Between the XXXX XXXX Funds payment of {$26000.00} and the {$7000.00} in payments we made that's not showing, there's no way we can be past due. Escrow is showing a negative balance of XXXX which is 100 % false because the hardest hit funds brought the escrow current. How can my escrow go {$12000.00} in the negative in just 3 months?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: TFS FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied HELOC application on XX/XX/22. First decision made on XX/XX/22 was not capturing all my incomes so I requested 2nd review with additional documents they requested to included all income source I was claiming. Since then, they are delaying 2nd review even after multiple contact I made to their officer. Now they are not responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
When I opened my checking account I did so with a promotion for new account holders to be given a {$200.00} credit in their checking account when direct deposit was established and my debit MasterCard was used ten times. I met the qualifications but the bank is refusing to honor the promotion. I have called the 1800 number and spoke in person with two different local branch managers and messaged BMO Harris on XXXX. Everyone I have spoken with has agreed that I met the qualifications for the account but have stayed that if the promotional credit was not already applied then it would not be.

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 2020-08-30
Company: Performant Financial Corporation
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
As of XX/XX/2020 My Tax Return was taken from me due to XXXXt Student Loan. I was told that we would not lose our Tax Return this year due to Covid-19, I was going to get around {$2300.00} back and everything was taken. I am now trying to get back to work but without that money I am pretty much having to live and Friends and Family and  borrow money just to get by day to day ... I have not heard any word from the company that now has control over the loan amount ... I am pretty much living on the kindness of family to let me live with them until I can some how get back on my feet ... I would like to know why my tax return was taken if I was told it would not be ...

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