BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
This is regarding Chase bank. I had my Wallet stolen on the night of XX/XX/2017 I Called the bank at XXXX on XX/XX/XXXX at XXXX to freeze my account. The warning was placed on the account for any suspicious activity. to contact either police or Management if anyone tries to use my Debt card or any Bank transaction. This person went to XXXX XXXX Branch at XXXX and Withdrawal {$1000.00} out of my account I only had {$1100.00} the teller either involved in this or just ignored the warning and cashed the amount without checking the signature and entered my bank account number and wrote the amount on a withdrawal slip and gave him the money. when I called the bank about this incidence they told me to go to any Branch and take care of it. 
I went to the bank and the bank manager filed all the required documents and assured me that my money will be back in my new account within 24 hours cause I was advised to open up a new account. now they are telling me that it will take 30 days before I can see my money. I called their Claims department and the manger was rude to me and told me it is our procedure to go through steps and it will take 30 days before we can refund your money. I even told him that it is your fault and because of it I will not be able to pay my Mortgage and it will show up as late. he said I will not change procedure just one is broken and you have to deal with it. 
Because of my Mortgage will show up as later in my credit. why do I have to suffer for their mistake. everyone I am talking to in ti bank is protecting the teller and I am the victim and I am rudely treated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello I have recently noticed fraudulent activity on my credit reports. What I have found has lead me to believe I may be victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notifications or alerts to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX document reflecting all items that were found to be unauthorized by any such.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have had this card for 7 years. Not once have I ever had issues paying the card before it was reported to collections or considered 'late. ' I've been traveling out of the country for two months and during this time, I was robbed, which locked me out of some of my accounts that XXXX passwords ( since I had to change passwords to protect myself ). Though, this shouldn't have been a big deal since I knew the answers to my backup questions. I was robbed on XX/XX/XXXX. 

Every time I leave the country, I can not log into my XXXX account. I am blocked and it requires me to answers a security question, yet the security question is always flagged as incorrect and locks down the account. 

On this past occasion, I tried MULTIPLE times to log into the account, and every time failed. At this point, the account was becoming past due because of my failed attempts to access my account. I tried contacting customer service ( and you can check their call logs for this ), and was unsuccessful to log in. 

I then tried to make a phone payment since I couldn't log in, and after I did, I realized that the payment was never taken out of my bank account. The payment was originally made on XX/XX/XXXX when I received access back to my passwords/had a phone/etc. So I called customer support, who first FINALLY helped me get into my account, only to discover that the last 2 digits of the bank account was switched and the payment was taken from the wrong account. Since I was logged in, I paid directly right away. I made this payment again on XX/XX/XXXX. 

What I CAN NOT understand is how I was NOT notified until the payment was returned and why these numbers were not checked when the payment was made. 

When I contacted XXXX on MULTIPLE occasions after this, stating that I had notice the payment wasn't taken and asked what I needed to do, as I had never paid on the phone, and asked for then the report to be removed from my score, as it greatly impacted my score, they refused to help and blamed me for being out of the country and not trying to mail my payment. I'm not sure when it's safe to mail a payment, but this shouldn't have even had to be an option if I could have accessed the account. I was also blamed for typing in the numbers wrong ( which was absolutely not my intention ) and then blamed for not speaking to a real human instead when that option wasn't even given. 

This has absolutely been the worst service I have experienced and I can not understand how it isn't possible to remove the late payment due to the issues. I also do not understand why an accidental typing of incorrect numbers is my fault if a payment is made over the phone, as I would assume this information would be verified first.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Dividend Finance Inc.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I purchased a solar system from XXXX XXXX and Dividend Finance was the loan company. This company is a division of XXXX Bank. I was happy with the loan and the APR, and the paperwork for my loan explicitly states this loan is a secured loan ( backed by the panels themselves ), which makes a big difference vs an unsecured loan. Fast forward to a month ago when I took out a personal loan to finance some other expenses, and my lender for the personal loan flags this solar loan as an unsecured loan, which then eats into the amount I can borrow since personal loans are capped at 50 % of your annual income. I've been in contact with both Dividend and XXXX Bank, but so far the response has been lack luster. I am waiting to hear back, but at this point I am very frustrated that they changed this loan type without notifying me.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Paypal Holdings, Inc
State: MA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
When I initiate a payment within Venmo for an amount larger than the amount of my current app balance, Venmo leaves the balance in my app account intact and instead debits directly from my checking account. This can cause unexpected overdraft fees, etc. I have opened a number of tickets with the company and they have done nothing.

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 2017-04-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
USAA Bank, clearly advertises that family members of veterans may obtain checking accounts with them. That is only partially true. In there national commercial they clearly state that siblings of veterans may obtain an account. When you call USAA Bank, a sibling is not allowed to obtain an account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on my loan with XXXX in XX/XX/XXXX. The loan was recently transferred to Mr. Cooper based in Texas. My payments for the entire XX/XX/XXXX were {$1800.00}. Once the loan was transferred to this new " Mr. Cooper '' company, I received two statements from them. One in the amount of the {$1800.00} payment that was what I was paying while with XXXX and another in the amount of {$2000.00}. I contacted the company on numerous occasions, along with emails seeking answers. There was no documentation stating why the amount increased. I spoke to three separate representatives on three different occasions and not one could tell my why the amount of my mortgage increased. I was told they would investigate and call me back, however all I received was an automated call from Mr. Cooper stating I owed {$2000.00} ( which is once again different then the previously mentioned amounts ). I once again called this morning, XX/XX/XXXX, and spoke with a XXXX who was of no help ... I told her I will not be paying my mortgage until I have a clear explanation as to why the amount increased and she told me " I will document you will not be paying. '' I have never dealt with a more disorganized group of people. I work in banking and have been in mortgages for the better part of 15 years, the way they handle their customers is absolutely atrocious.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023 PNC was notified that XXXX has pulled out of the state of Florida for home owners insurance. Despite them receiving a new policy to pay that I signed, they still paid XXXX a premium, for a policy I would have never had. They received a quote from XXXX insurance and paid that premium without my authorization. Then the insurance that I signed up for, they decided to pay them twice. All by the time it was XXXX. I received the check from XXXX and deposited it back into my PNC escrow account on XX/XX/XXXX, but they said it will not hit my account until XXXX. I found out about the additional payment to XXXX XXXX on XX/XX/2023. I had to speak to two people in the insurance department before someone would finally put a stop payment on the check since XXXX XXXX already cashed the first one and had not received it yet. That also will not hit my escrow account until XX/XX/XXXX. They have done absolutely nothing to fix this and put the entire responsibility on the consumerme. They then reported this to the Credit Bureau saying that I took money out on my home changing my total balance with them. Over {$13000.00} of a difference on the balance I owe on my home. This has dropped my credit score. I have to wait until XX/XX/XXXX to then have to call them, ask them to re-evaluate my escrow account. Once I do that, I then have to call the mortgage department for them to call the credit bureau and explain what happened to they can edit my credit score. PNC has made numerous payments on my behalf without my authorization. They were never going to fix this without me finding it. They were not authorized to change my balance. Then they wrongly charged me additionally for hazard insurance until I had to make them look at my insurance policy to find I did have hazard. At that time they had THREE policys on my account and still said I didnt have hazard insurance. PNC customer service is pointless. Their departments are pointless. They make massive mistakes and require their customers to do all the work for them to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The account with XXXX had to be closed because there were fraudulent charges and the company racked up fees and delinquency charges while we attempted to negotiate with them over the fraudulent issue. A hotel manager in the XXXX XXXX forced us ( at threat of physical harm ) to pay our bill, even though the entire stay had been prepaid through XXXX. XXXX 's fraud protection should have covered the risk but they refused to reverse it. Their response to our claim is that no information was provided showing the bill ; however proof of payment ( see attached ) was provided to them in 2019 showing the hotel was paid through XXXX, and then paid again with the XXXX card when we left. 
Additionally, this merchant was the ONLY creditor who did not agree to work with us in 2019 when we had a job loss in the family. As you can see by the credit report, all other creditors closed the accounts and set up payment plans for us. XXXX was the only creditor who did not offer assistance or a payment plan. As you can see there are NO late payments showing for the creditors we worked with at the time of the job loss. All were contacted and offered monthly payments. XXXX refused to reverse the fraudulent charge covered by the card terms and conditions ; they assessed delinquencies fees and reported lates to the credit bureau while we were attempting to work out payment on the account. This put the balance into an " over the limit '' status and even higher interest rates were charged. 
XXXX did not uphold the terms of the card agreement, and engaged in usery by tacking on higher than normal interest rates and fees while the account was in dispute. We were taken advantage of by a company who tried to profit off our hardships.

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 2021-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am reporting the persistent denial of an investigation by TransUnion for the third time in XXXX! This company has developed policy that violates the consumer laws. TransUnion is supposed to initiate a dispute with a creditor regarding the completeness or inaccuracy of ANY item on my credit file directly with the company on my behalf who has applied unauthorized information on my credit file. Various inquiries appear on my credit file that were unauthorized by me on XX/XX/XXXX and XX/XX/XXXX. I have written letters to TransUnion as well as contacted the financial companies to initiate a dispute, however TransUnion is refusing to do its job to contact these financial agencies directly to initiate a dispute and remove these items within 30 days from my credit file, or at lease provide me with a written response after their investigation. I spoke to another representative in XXXX on XX/XX/XXXX after receiving a letter from TransUnion which explains their explanation of Inquiries on my Credit Report but does not offer a resolution towards a dispute of unauthorized inquiries. Therefore TransUnion is directly working against me as a consumer by not removing unauthorized items from my report and not conducting an investigation of the same.

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 2023-05-03
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX I sent a wire transfer to a XXXX account.Then after research I found the transfer was a scam commiting fraud.I then went to my bank ( Chase ) on XXXX XXXX and recalled the transfer.To this date XXXX XXXX I have received no notification of my funds being refunded.Have worked with my bank ( Chase ) since XXXX XXXX to no avail, but XXXX bank doesn't even want to talk either to me or my bank ( Chase ) .There is quite a considerable amount ( {$42000.00} ) taken from my lifetime savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: LoanSnap, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Summary : LoanSnap sold a loan to XXXX that had been paid in full and LoanSnap no longer owned. Now I am being harassed by XXXX for payment despite the title company verifying LoanSnap received full payment before selling my loan. 

1. On XX/XX/2022 I refinanced my LoanSnap home loan with XXXXXXXX XXXX XXXXXXXX. I received a confirmation from XXXXXXXX XXXX XXXX company stating payoff funds were wired to LoanSnap.

2. On XXXX, XXXX took ownership of my LoanSnap home loan. This was confirmed in a phone conversation with XXXX/LoanSnap and XXXX on XX/XX/2022. 
3. On XX/XX/2022, XXXX sent me a mortgage loan statement with a loan payment due date of XX/XX/2022. 
4. On XX/XX/2022 I emailed XXXX XXXX with LoanSnap requesting records be updated to show my LoanSnap loan was closed. 
5. On XX/XX/2022, XXXX XXXX responded stating " This has been handled and sorry for the confusion. You will not receive any more email regarding payments. '' XXXX. On XX/XX/2022, I called XXXX and they confirmed that my loan was still open and payment was due by XX/XX/2022. I emailed XXXX XXXX documenting that XXXX loan is open, active, and was never paid in full by LoanSnap. 
7. On XX/XX/2022, XXXX with LoanSnap sent me an email stating they would pay the loan in 3-5 business days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-18
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: Information belongs to someone else

Complaint:
HAS NOT REMOVED THESE FRAUDULENT ACCOUNTS AND ITS TORN MY CREDIT UP AS A RESULT

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 2022-07-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I went to the car dealership to purchase a car and I was told they would only run my credit for XXXX  However, I did not give written authorization to any of these hard inquires below, someone must have ran my credit multiple times without my permission or written consent therefore I need these removed/deleted from my credit. I tried running disputes and sending letters and they wont remove them. They didn't provide any proof showing I gave written consent nor did the credit bureaus provide evidence of their investigation that asked for. 

Please remove/delete these Credit inquires : 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 explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I went to the car dealership to purchase a car and I was told they would only run my credit for XXXX. However, I did not give written authorization to any of these hard inquires below, someone must have ran my credit multiple times without my permission or written consent therefore I need these removed/deleted from my credit. I tried running disputes and sending letters and they wont remove them. They didn't provide any proof showing I gave written consent nor did the credit bureaus provide evidence of their investigation that asked for. 

Please remove/delete these Credit inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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