BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Was issued a unemployment insurance agency debit card issued by Bank of America. On XX/XX/2020 there was a {$720.00} dollar amount on the card. Told by my financial institution XXXX XXXX XXXX XXXX to withdraw whole amount .The atm would not dispense that amount so I chose {$500.00} and a {$3.00} fee was taken for the transaction, thus having to take another transaction to get the {$200.00} another {$3.00} was taken.Leaving a balance of {$16.00} on the debit card, which my figure is {$720.00} minus {$700.00} is {$24.00} minus the {$6.00} in fees should be {$18.00} not $ XXXX.I complained at the credit union who blamed Bank Of America about the restricted amount per transaction and for the fees. Why is Bank of America charging for set amounts of withdrawal? Therefore making twice the amount when the value is over $ 500.Now I have to pay fees to get my government issued money. There was no mention of fees related to withdrawal amounts or withdrawals on any of the literature that came with the debit card. My credit union was unaware of this fact as they instructed me to withdraw the whole amount.I did not choose a debit card for payment but was issued it as the site crashed as I was applying and this is how it was set up. At this time Unemployment and Bank of America are so overwhelmed with others I can not seem to reach them and have been on hold for longer than an hour and gave up. Please advise

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 2023-03-20
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase has closed my account to fraud! SBA LOAN! However they have only provided me with an email address for for further action, no one responds from the email address given in 2021 the funds have not been returned and I need to know where it is, when will they get returned? Chase states they no longer have funds! So where are the funds? Is my question and how can SBA retrieve them!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I signed up for this card and rarely used it. I had lost my primary and used this card. I never received a statement. I believe I spent ~XXXX. Now my balance is {$130.00} and has been reported to the credit bureau as late. I never received a statement. I never received a phone call. Then today, I receive a letter saying they've reported me to the credit bureau.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-10
Company: I.C. System, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a XXXX XXXX  bill from when I used to work there and I would like it to be removed bc of the circumstances with the company my social security number : XXXX XXXX XXXX  {$820.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXX  ) - IDENTITY THEFT 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 of 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 2020-04-10
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, In XXXX of XXXX I switched from a renter 's insurance policy to homeowners. I reported the change and provided proof of the new policy and the policy number to Dovenmuehle Mortgage ( DMI ). 

In the following month I received notice that I would have lender-placed hazard insurance placed on my property. I then saw my insurance payment on my escrow statement adjust upwards to the amount of my new premium.When I called DMI to ask about this, I was told to IGNORE the notice, as my new insurance had NOW been property recognized, so the lender-placed hazard insurance would be removed, and I would not make any payments towards it. I ignored the notices as instructed. 

In XXXX / XX/XX/XXXX, I became aware that DMI was nonetheless charging me for supplemental hazard insurance at an annual cost of {$5800.00}, and adjusting my escrow payments accordingly. I called on XX/XX/XXXX, and once AGAIN sent in my new policy. I was AGAIN assured that my new homeowner 's policy was comprehensive, that the hazard insurance would be taken off, and that no payments reflective of the hazard insurance had been made or would be made. 

A few days later I received a notice of cancellation for the hazard insurance as expected ( attached ). I hoped that would be the end of it. 

However, on my most recent escrow statement, dated XX/XX/XXXX and received by me on XX/XX/XXXX, I see that NEW hazard insurance has been placed, this time at an annual cost of $ {$2400.00}. See most recent escrow statement, attached. 

This means that, not only were the assurances of getting this redundant insurance issue fixed not kept, DMI placed NEW hazard insurance on my property AFTER the XX/XX/XXXX cancellation of the prior lender-placed insurance, without federally required notice to me. 

The amount of the new lender-placed insurance appears to be drawn from an outdated personal homeowner 's insurance policy, indicating that this may be a clerical mix up. The fact remains that my escrow statement shows a charge for lender-placed insurance I was not informed of, and my auto-draft payments will now be including monies for this purpose. 

I have once again attempted to resolve with DMI. They once again have AGREED that my own homeowner 's insurance policy is sufficient for their requirements and I DO NOT require any additional insurance. However, I am still waiting for them to have all lender-placed insurance charges removed from my escrow, have a new escrow statement calculated, and have this matter resolved as it should have been when I provided my new policy in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 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 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 2020-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I contacted Capital one on XX/XX/2020 to let them know I am out of work due to the coronavirus and unable to make payment. They place me in a deferment program until XX/XX/2020. Two days ago and today I receive an alert from my credit report stating that Capital one showed a 30 late payment or my credit report. I contacted them and was informed that the program that I was placed in was incorrect and that after today I would be placed in this new program given my previous and current situation. Capital one gave me XXXX credit for my late fee and stated that as of today I am showing 36 days late. I stated that when I called I was not late and was not made aware and clear on deferment due to virusI requested. I stated this would have prevented me from being late if entered or advised correctly. I've not been late with Capital one in years until this pandemic. I was told to contact the credit bureau directly to dispute and I did. I am awaiting response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: PA
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:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I was behind on my Mortgage with Chase Bank where I was searching internet for a Company to assist me in refinancing my existing loan with my current lender CHASE to lower my payment so it will be affordable for me. I called XXXX at XXXX and spoke with Mr. XXXX XXXX and then he set up an appointment for me at their office, located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. 
On XX/XX/XXXX I went to their office and met with Mr. XXXX XXXX and his Supervisor Mr , XXXX XXXX and initial talk they promised me to modify my loan to a lower rate with Chase in 90 days for me and for any reason they are unable to do so then they will issue a full refund to me. They extracted a sum of {$7000.00} from me and literally done NOTHING. 
I had my attorney called Chase and spoke with Mrs XXXX who stated that there is no record of any representation by the said company and only they received a call from Mr. XXXX XXXX at XXXX XXXX on XX/XX/XXXX advising us that Mr. XXXX XXXX need financial help which they were told by XXXX XXXX to have me to call them. There was no other correspondence or calls after that. 
I believe I am a victim of a fraud by this company. My attorney advised me that under Senate Bill 94 passed in XXXX, No one including attorneys to collect any up front money from me and any one for a loan Modification. 
XXXX XXXX, My Cell is : XXXX My address is : XXXX XXXX XXXX, XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and are damaging my credit score. Upon reviewing my credit report, I found several violations of FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA. Specifically, I am disputing the following accounts : XXXX XXXXXXXX : Account Number XXXX This account was reported as a late payment, which is inaccurate. I have never missed a payment with XXXX XXXX and have always made payments on time. This report is in violation of the FCRA. 

XXXX XXXX XXXX : Account Numbers XXXX and XXXX These accounts were reported as charge-offs, which is also inaccurate. I have never received any notification from XXXX XXXX XXXX regarding any delinquent payments or charge-offs. This report is in violation of the FCRA and FDCPA. 

XXXX : Charge Off Account I do not recognize this account and have no knowledge of it. I believe this account was opened fraudulently, and I am disputing this report as a violation of the FCRA and XXXX 

XXXX XXXX : Account XXXX XXXX This account was reported as a charge-off, which is inaccurate. I have always made my payments on time and have never received any notification of delinquent payments or charge-offs from XXXX XXXX. This report is in violation of the FCRA. 

XXXX - XXXX XXXX : Account Number XXXX This account was reported as a charge-off, which is also inaccurate. I have never received any notification from XXXX XXXX XXXX XXXX regarding any delinquent payments or charge-offs. This report is in violation of the FCRA and FDCPA. 

I am requesting that these items be removed from my credit report as soon as possible. I am also requesting that you provide me with written confirmation of the removal of these items and a copy of my updated credit report. 

Thank you for your attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2021-03-05
Company: Continental Finance Company, LLC
State: GA
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:
XX/XX/2021 I was advised by XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Card that my payment was returned. The representative over the phone provided me with the wrong information she informed me to pay {$150.00}. Then informed me my card would be reinstated to use again. However, That was not the case then I was advised on XX/XX/2021 that I can make the payment on my XXXX XXXX. Then on XX/XX/2021 the associate informed me that I could pay over the phone with her however and I did not have to pay the fee. I called today to confirm the information and the supervisor refused to accept the payment. I informed him I wanted to close my account today based on the poor customer service.

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 2020-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Awhile ago my identity has been compromised and there's still accounts reporting on my credit file inwhich does not belong to me. Both open & closed accounts even some authorized user accounts inwhich i have no knowledge of and wish to be removed immediately. Please remove and block the following unknown accounts inwhich I hold absolute any responsibility for. 

1 ) XXXX XXXX  2 ) XXXX XXXX Closed Accounts 3 ) XXXX XXXX XXXX XXXX XXXX, credit limit XXXX  4 ) XXXX XXXX XXXX XXXX XXXX, credit limit XXXX 5 ) XXXX XXXX XXXX XXXX  6 ) 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 2021-02-12
Company: Rocket Mortgage, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021 I received a call from Quicken loans regarding refinancing my mortgage. I filled out a form on XXXX XXXX asking for more information on refinancing. I started getting tons of calls and when I picked up the phone I started by asking Quicken to place me on their do not call list. I didn't realize how many calls I would receive after filling out that form. 

I was transferred to XXXX XXXX ( mailto : XXXX ) who was able to convince me to have a conversation about a mortgage refinance. During the call he asked me to verify the last 4 of my SSN, which I did, and then he said " so your whole SSN is XXX-XX-XXXX? '' I said yes. He then pulled my credit. He never asked me to pull my credit, nor would any customer suspect that by giving the last 4 of SSN that that would authorize a credit pull. I was expecting him to ask me for my permission which he did not ask for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
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:
I have been disputing fraud accounts on my credit report since XX/XX/XXXX. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is signed and attached with an FTC and Identity Theft affidavit, yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the accounts claim to be mine. Not only have I not received any mail showing the verifiable proof needed to justify the items to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money with no end in sight and no results to show. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! THE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the accounts immediately! 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$87.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX : XX/XX/XXXX Balance : {$630.00}

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-19
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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