BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-14
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a credit card processing deposit money in my checking account and the bank refuse to release the money to me. They have given m e 5  different reasons as to why they are not releasing the money. I have gone to the bank on  3 d ifferent occasions and each time they tell me they require something different. The last requirement was they told me I needed a  XXXX  because I deposited a business check from my husband 's business. I brought the  XXXX  now they are telling me in order to get my money back I have to open a business account. They have been holding my money since XX/XX/XXXX refusing to return it to me. I expressed my concern that they are tying up my money and requested they return it to the processing company or give it to me THEY REFUSE. They are telling me when a  Branch  manager gets back from vacation he might be able to release it. They have caused me stress and are costing me money. They had no problem processing anything for 8 months. The problems started when I reported them to you for excessive fees. I feel they are looking for any and every excuse to tie up my money in retaliation for reporting them. They have a fraud department that you cant speak to anyone then they change the rules eve ry 5 mi nutes. If they suspect fraud on the deposits then just return them but they claim they cant

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I 've called and started investigations on numerous occasions to have inaccurate inquiries on my report removed.  Company  still has n't removed inaccurate inquiries from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please be advised that I have tried since Wednesday, XXXX XXXX, 2017, to obtain a letter of mortgage reinstatment from our mortgage company, Seterus , Inc, XXXX XXXX XXXX, XXXX, CT, XXXX. There contact number is XXXX. 

I have spoken with several Seterus representative 's asking for this document. I have asked that the document be faxed to my attention. The representatives state it takes 5 days to mail. I have waiting five days and it still has not arrived via fax. Then I was that it had been mailed instead of faxed to which I have not received in the mail yet. I find it unacceptable that it would take this long to fax a document. I have read customer reviews indicating the same complaint with delay in receipt of documents. 

In conclusion, I have attempted to work with Seterus by being patient, making several calls, but no documents. I have even been told by Seterus representatives that this matter has been escalated to administration. However, no resolution. I am in the process of finalizing a loan to pay my mortgage current, but can not obtain the funding without this reinstatement letter. Please help. 

Thank you XXXX and XXXX XXXX XXXX XXXX Loan # 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 2017-07-14
Company: DISCOVER BANK
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: Credit inquiries on your report that you don't recognize

Complaint:
1. XXXX Consumer Dept - XXXX XXXX and several other agents that worked in the consumer department gave me a difficult time, hung up in face several times, provided me with false inaccurate information, delayed my investigation, received false verbal consent from creditors which led XXXX to report false inaccurate fraudulent account on to my credit report for at 6 months and refused to cooperate with me making my life a living hell. I mailed ceritified letters, and faxed several documents in just to be going in circles.
<P/>
Inquiries : 1. XXXX XXXX 2. XXXX XXXX 3. Discover 4. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-02
Company: IQOR US INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I continually get calls from this company. I have contacted them via their website to stop calling my number but the calls continue. I have no defaulted loans.

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 2019-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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 journey into the world of scams, fraud, and identity theft has been going on since XXXX of 2019 and maybe even before. 
My credit card was maxed out and got that fixed, but now my credit report has information I have not authorized or had no knowledge of. 
Starting XXXX XXXX of 2019 inquiry for credit cards from XXXX different companies was put on my credit report. 
XX/XX/2019 I have an incorrect address and an unknown address appearing on my report. 
XX/XX/2019 a name that is not my own is being used under my social security number. 
I did not know any of this was going on due to the fact my bank had blocked me from accessing my accounts that are connected to my credit wise that I use to check and keep track of my credit. 
I have not applied for any new bank account until XX/XX/2019 and that is with a bank close to my own home. And certainly have not applied for a new credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: EQUIFAX, INC.
State: NC
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:
Equifax refused to remove fraudulent information from my credit report after dispute ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29
Company: GVA Holdings, LLC
State: MT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
on XX/XX/XXXX I received a loan in the amount of XXXX. I contacted them on XX/XX/XXXX to see if I could skip or do a lesser amount for my first payment. They denied that request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: National Management Recovery Corp. (NMRC)
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Phone calls have been made to me from the following phone numbers : XXXX ( XXXX XXXX XXXX XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX ) and XXXX ( XXXX XXXX XXXX ). When I call these numbers back they have no record of me or of calling me. The women at XXXXXXXX XXXX I talked to said it was weird because her phone rang for a second with a restricted number and then stopped ringing. I believe this debt collection agency is spoofing govt phone numbers and pretending to be them to collect a debt that I don't believe I owe. I can't imagine this can be legal? The information I have gathered is XXXX debt sold to NMRC, they have called my father and stated they were the circuit court and papers would be delivered to my home between XXXX and XXXX that day which never happened. He was given a phone number of XXXX and ref # XXXX for me to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: SUNTRUST BANKS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent them a certified mail letter stating To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b (  c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 

Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

This was sent on XX/XX/XXXX They responded by email the following Dear XXXX XXXX, We are not able to provide a written document with your signature as you did not sign any documents because the loan application was declined. 

Please let us know if you have any further questions. 

Thank you, XXXX LightStream, A Division of SunTrust Bank So why are they not taking this off of my credit I didnt apply for this

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 2022-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I entered into a XXXX loan modification as of XX/XX/XXXX. This modification is a Tier 1 loan modification under the XXXX program, which has an incentive. The incentive is entitled the " Pay for Performance '' Incentive under the the MHA Handbook Chapter II : XXXX page XXXX47 section 13.2.1. The provision of that section specifies a payment incentive to borrowers in the XXXX year anniversary after the loan modification date, said borrower 's loan is eligible for a {$5000.00} reduction of the principle and a recast of my mortgage, as long as the loan is in good standing. I have not heard anything from Bank of America regarding their arrangements to enforce the provision of the XXXX agreement as it relates to my mortgage. * Please note - my loan was originally with Bank of America. When it went into default, it was sub-serviced by XXXX XXXX. Once the modification process was completed and entered, the loan went back into servicing with Bank of America. The loan mod was signed while being sub-serviced with XXXX. 
The last communication I had with Bank of America last year regarding the adjustment, they mentioned that it was to take effect in XXXX after I made my XXXX payment. That time has passed, and I have not gotten any type of correspondence or communication from Bank of America regarding the change to my mortgage as it relates to the XXXX agreement. I need this to go into effect immediately, with written documentation of the changes.

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 2017-07-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On   XX/XX/XXXX ,  I applied for a USAA  Limitless Cashback Rewards Visa Signature  credit card. The application was declined, with the following reason provided :  Maximum  credit extended. I inquired to USAA if I could be approved for the card by reallocating a portion of the credit limit on an existing USAA credit card to the new one. USAA responded that it would be possible to lower the credit limit on the existing card and reapply for the new card. I agreed to have the credit limit on my existing card lowered by {$6000.00} on the condition that the application for the new card be reconsidered, so that a second hard inquiry on my credit report would not result. USAA proceeded to lower the credit limit on my existing card by {$6000.00}, but informed me that a new application would be required for the new cardwhich would result in a second hard inquiry to my credit report. I would have expected that USAA would have confirmed if a new application was required before taking the action to lower the credit limit on my existing card, and was surprised by the poor interpretation and communication about the original request. When I informed USAA that I did not want to proceed with a new application on the basis of it causing a second hard inquiry, USAA refused to reinstate the {$6000.00} credit limit on my existing card.  <P/> While I appreciate that USAA took the time to consider a rather unusual request to reallocate a portion of my existing credit limit, I made it very clear that I did not want to incur a second hard inquiry on my credit report while attempting to be approved for the new card. As Im sure USAA is aware, a hard inquiry negatively affects ones  credit score.  I did not want this exchange to leave me  with two h ard inquiries on my credit re port ( one was a lready pulled with the initial application ). Furthermore, since the basis for the decision of the initial application appears to have been made based on a USAA policy ( maximum credit extended ) rather than my creditworthiness, I see no reason for USAA to have required a second hard inquiry to reconsider the application after the reduction of the credit limit of my existing card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent in several certified letters to all  XXXX  credit bureaus notifying them that there was incorrect information on my credit report as inaccurate accounts, inquiries and personal information. I only received bogus verified letters from all   XXXX    bureaus. I recently checked my credit confidently knowing that the inaccurate accounts, inquiries, and personal information we 're removed from my credit report. I also gave an ample amount of time for the creditors and credit bureaus to correct themselves. I 've given the credit bureaus ample amount of months to correct the errors but yet I still see there was no progression or any attempts made to correct this errored information off of my credit report. Both the credit bureau and creditors broke the law without getting any consent from myself, and I have n't received any documents with my signature verified. Many of the FCRA laws we 're broken in this incident, my next move is to file a lawsuit against all  XXXX  credit bureaus.

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 2022-02-09
Company: Ocwen Financial Corporation
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 PHH XXXX took over from XXXX XXXX  as the servicer of the Mortgage account. As the new servicer, PHH XXXX assumed the fiduciary duties associated with the Escrow that was established and transferred to PHH XXXX for the payment of taxes, homeowners insurance and FEMA-mandated Flood Insurance XXXX As of XX/XX/2020, PHH had notice of an existing Flood Insurance Policy. PHH allocated funds for payment for the renewal of the Flood insurance premium, but never submitted the payment. Without homeowner 's knowledge, PHH permitted the flood insurance policy to lapst. PHH retroactively purchased a Flood Insurance Policy with homeowner 's escrow funds, and raised homeowners monthly mortgage premiums by a total of {$1200.00}, even though the Homeowners found out about lack in coverage, and purchased a new flood policy. The escrow had sufficient funds to continue with payment for the flood insurance without interruption. PHH had a duty to allocate and disburse the funds as mandatory escrow holder on behalf of homeowners. PHH failed to do so and charged the homeowners additional fees and costs at a time when everyone was struggling with the Covid-19 pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, I contacted the customer service line for JP Morgan Chase 's Banking services to report that Chase had cashed a check # XXXX of mine twice first on XX/XX/XXXX, then on XX/XX/XXXX. In the first instance, Chase 's records mistakenly coded the check as # XXXX. The images from the entries for both dates clearly show the check number to be # XXXX. The actual check # XXXX and corresponding images corresponds to a payment of {$120.00}, and that transaction is correctly coded for XX/XX/XXXX. 

For the second incorrect deduction from my account of {$930.00} on XX/XX/XXXX, the check was coded with no number at all in the Chase system. 

On XX/XX/XXXX, I was advised I would receive a call back within two business days regarding the matter. The call back I received was unsatisfactory as the caller from the Communications Department could not provide any information as to when the charge would be reversed, nor would he connect me to his supervisor. I was told I would receive a call from a supervisor within 2 days. I did not. 

On XX/XX/XXXX, I called Chase Banking to inquire why I had not received the promised call back. On this call, I was assured that the {$930.00} incorrect charge would be reversed within 2 business days. This credit has not occurred. 

On XX/XX/XXXX, I called Chase Banking again to inquire as to why the credit had not posted to my account within 2 business days as promised. After being disconnected prematurely by one operative, I finally reached an individual who told me that my account would not be credited until Chase Bank had recovered the funds from the external bank. When I reported that this response was insufficient, as I had already waited long enough for Chase to correct its error, I was informed there was no one I could speak with who could do anything else until my complaint 's project closure date of XX/XX/XXXX. If the matter was unresolved on XX/XX/XXXX, I was informed my only recourse would be to resubmit the complaint. Given how long Chase has stolen my funds, this is a completely unacceptable response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XX/XX/2022 I just recently got off the phone with the company and they wont put in a request of removal of a fraudulent hard inquiry from XXXX XXXX to transunion. They dont even have my information on file, I called 3 times most of them are lazy and was giving me a hard time.

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 2017-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent in several certified letters to all   XXXX   credit bureaus notifying them that there was incorrect information on my credit report as inaccurate accounts, inquiries and personal information. I only received bogus verified letters from all   XXXX    bureaus. I recently checked my credit confidently knowing that the inaccurate accounts, inquiries, and personal information we 're removed from my credit report. I also gave an ample amount of time for the creditors and credit bureaus to correct themselves. I 've given the credit bureaus ample amount of months to correct the errors but yet I still see there was no progression or any attempts made to correct this errored information off of my credit report. Both the credit bureau and creditors broke the law without getting any consent from myself, and I have n't received any documents with my signature verified. Many of the FCRA laws we 're broken in this incident, my next move is to file a lawsuit against all  XXXX  credit bureaus.

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 2020-06-23
Company: Experian Information Solutions Inc.
State: MO
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 disputed several accounts on my personal credit report with XXXX, Experian, and XXXX  and yet XXXX, XXXX and Experian are falsely reporting incorrect information on my credit report. I have no real validation of any of the listed accounts below.There were no previous contracts with myself and the said creditors that are falsely reporting the incorrect information that's being accepted by XXXX, XXXX, and Experian.

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 2017-07-14
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 is missing that should be on the report

Complaint:
I have numerous Hard Inquiries on my report, I have sent each company a letter stating that I wanted proof that the inquire was made by me with my signed signature, as of today I have only received a hand full of responses and non of them had a signature page with my signature on it. I would like for the inquires to be removed as I did not request anyone to pull my credit report.

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