BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-09
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Dear Senior Director Of Operations, Attn : Chase Manhattan Bank Upon review of our checking account today we found for the sixth time to be charged a unauthorized " Disputed '' transaction from : Merchant XXXX which is Fraudulent! 
The continued amount of {$150.00}. Please block it and do not pay it. We paid several fees to have this stopped. Still awaiting the {$4500.00} refund from your accounting department. Our goal was to schedule a deposit for {$7000.00} but are concerned about this matter with { XXXX XXXX }. We do not offer merchant services through our account nor ever requested such services. 
*XXXX*

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I resubmitted my request for mortgage assistance 37 days prior to the foreclosure date set for XX/XX/2019. I've tried to get help with my mortgage several times since I was XXXX XXXX. I don't want to lose my home to foreclosure. My documents were sent to the servicer in plenty of time to be reviewed. I was told today they would not be reviewed because they did not receive them in time. Select Port Folio allowed my documents not to be processed so they could foreclose on my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I successfully opened an account online with TD Bank in the US on XX/XX/2021. I then successfully deposited over {$5000.00} online over the course of XXXX weeks but a few days later I was unable to login to my account online. When I contacted XXXXXXXX XXXX customer service to unlock my account, I was told that the account has been frozen pending identity verification and that I would need to visit a branch to confirm my identity in-person before they can unfreeze the account. However, due to the pandemic, I am unable to go to the branch as I am taking care of an elderly parent in XXXX where there are XXXX branches for XXXX. I contacted XXXX customer service XXXX times and I was escalated multiple times too but XXXX  is not willing to unfreeze my account. I offered to send multiple identification documents ( passport, SSN card, DL, and bills ) by email or fax to XXXX but all my efforts were rejected. They are also refusing to close my account and refusing to release any funds. This is absolutely an anti-customer approach during a global pandemic and I am very disappointed and regretful for opening this account and depositing thousands of dollars that are now held captive by XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-15
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:
These are not my accounts, nor did I live at any of these addresses.

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 2019-10-15
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:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit :

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 2017-07-31
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Equifax has allowed XXXX XXXX XXXX to delete, then reinsert a tradeline on my credit report without properly following the FCRA which states " the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. '' The consumer reporting agency is required to send the consumer written notification within five business days that the information has been reinserted and provide contact information for the company that furnished the information. And they are required to maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted. I have not received any written notification regarding the deletion and reinsertion of this account. This account has been disputed several times for not following the FCRA because this is not a valid account and I have signed no aggrement with XXXX XXXX XXXX that allows them to report this trade line on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
DITECH CHEATS CUSTOMER OUT OF HIS PMI REFUND! 

Ditech Financial LLC received a refund ( {$95.00} excess PMI payment, from the XXXX ) on or about XX/XX/XXXX, after a closing on a sale. Ditech then sat on this money. It finally mailed a company check for the aforementioned amount ( my refund ) to me approximately one year later!

I received the check on XXXX XXXX, XXXX, and deposited it immediately. It was rejected and returned to me, with the reason : CLOSED ACCOUNT In other words, Ditech wrote me a 'hot ' check! 

A letter to Ditechs office of record, ( in XXXX XXXX, MN ) regarding this matter was never responded to. Several calls to their listed contact number ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( all XXXX ) have resulted in negative action to make good on this check. Ditechs Director of the Escalation Check Reissue Department, XXXX XXXX, in Ditechs XXXX, FL office, has consistently and deliberately blocked every refund request ( s ) turned in by lower-rung customer service individuals attempting to have the funds reissued and the matter closed.

Given Ditechs history of Chapter XXXX filings, I can see why certain individuals in positions of responsibility choose to cheat every customer at any opportunity. Even though companies like Ditech cant change their stripes, they should certainly be held legally accountable for the deliberate cheating of their past and present customers, with a stern Caveat Emptor warning to future ones.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-09
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit reports a couple of times last year. I found out that in XXXX XXXX, Commonwealth Financial started reporting a debt of {$610.00} ( medical ) to the credit bureaus. This is not a valid debt, as I have attempted to express to them on numerous occasions. I have disputed the account, multiple times, on each of the bureaus, and each time Commonwealth verified the account as accurate. I do n't understand how they can do this. They will not send me verification of the debt, and I can only assume it 's because they are n't licensed to collect in Florida and it shows their collection license as " revoked '' ( I did a little XXXX search ). So what gives? Is this even legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Today, I received a loan modification application in the mail today. I am being told differnt things by different people. Because this application was sent to me after being told that I don't qualify for assistance, I will assume that something changed on your end. Nevertheless, I will complete it. I have decided to hire an attorney for this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: Synovus Bank
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Greetings! 

I am filing an official complaint against the illegal business practices of the so-called First Progress pre-paid MasterCard- I am attaching their information for your reference. 
At the end of XX/XX/2021 I relocated permanently to XXXX and have consequently advised the afore-mentioned bank numerous times : 1. That I did not have forwarding address in the US 2. That I did not have any relatives, friends or relatives in the US 3. That I did not have a US bank account 4. That a friend of mine has helped me fund the initial {$2000.00} deposit from his bank account and he has also made subsequent payments. 
5. On XX/XX/2021 I have faxed them a request with very specific instructions as to how to close the aforementioned account and do a wire transfer to a designated account, in view of items ( 1 ) through ( 4 ). I was previously advised by one of their reps that they could do a wire transfer. 

Subsequently, several of their managers advised me that : 1. They could not send me a VISA/MASTERCARD overseas ( only to the US and Puerto Rico ) 2. They could not do a wire transfer, despite being told that other reputable banks that I have dealt with, in the past - XXXX  XXXX XXXX, XXXX, XXXX, to mention just a few, were always able to do a wire transfer to a designated account. 
3. When I asked them - how can I get back my {$800.00} and change, the totally nonsensical, callous and nonchalant answer was - well, come back to the US. 
As if this ongoing nonsense were not enough, if you take a look at their statement, coming from supposedly a closed account, they want me to pay only {$100.00} minimal payment. 

As a result of their well calculated, willful and pre-mediated baloney, I have lost more {$800.00} - which is more what I was making working for a week, not to mention countless hours on the phone with their clueless, brainless customer service agents. 
Consequently, I am seeking your urgent intervention to force this fraudulent and scam driven bank to do the following : 1. Initiate an ACH transfer for {$1500.00} with which to compensate me for their deception and wasted time to a designated bank account of my relative in the US, or 2. Overnight me at their own expense a replacement card to a designated address with the same amount that I can use in XXXX. 

Very respectfully yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: HYUNDAI CAPITAL AMERICA
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2019 : THIS IS A NEW COMPLAINT WITH NEW INFORMATION : Kia Motors Finance has chosen to pursue the alleged debt via illegal and repeated telephone calls which started on XX/XX/2019. I spoke with KMF via telephone on XX/XX/2019 where I was informed by a representative that KMF denies sending the debt cancellation confirmation letter and that XXXX sent the letter to me when they did not. I do not owe KMF any debt per their own admission. Please forward my complaint to the FTC as KMF is intent on using disingenuous and illegal methods to obtain a debt from me that they said was paid in full. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Account No. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
A closed account that was previously taken off by all 3 reporting agencies after MULTIPLE requests has now REAPPEARED on Equifax And XXXX. This is getting past the point of ridiculous!! One of the accounts is over 7 years old and the other 2 were paid off IN FULL IN GOOD STANDING WITH 100 % PAYMENTS ON TIME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 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 explanation
Consumer complaint received 2017-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed a complaint on XXXX with XXXX XXXX XXXX and also with Transunion for a collection that was recently placed on my credit reports by a collection agency named XXXX XXXX XXXX. Allegedly, the collection agency, XXXX XXXX XXXX, claims that I have a unpaid XXXX loan with a company called XXXX XXXX in the amount of {$1200.00}. 

In the XXXX XXXX Virginia, it is against the law to obtain XXXX XXXX loans and it is also against the law to provide payday loans to Virginia residents if your are not a licensed business in the XXXX of Virginia. With those laws in effect, how would it be possible for me to take out said loan. 

Also the XXXX loan laws in Virginia state that the maximum amount you can borrow at XXXX time on a loan in Virginia is {$500.00} so how would it be possible for me to take out a loan in the amount of {$1200.00}. 

I was not notified by mail or by phone by XXXX XXXX XXXX of this alleged XXXX XXXX prior to it being reported to the credit bureaus. I 'm not even sure if XXXX XXXX XXXX is a licensed to do business in the XXXX of Virginia.

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 2019-10-15
Company: CURO Intermediate Holdings
State: NV
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 have pulled a copy of my XXXX  credit report only to find multiple inquiries that I did not authorize. I have disputed the inquires only for XXXX to respond with a verified letter and to contact the creditor. I do not know how XXXX verified anything when I could not get any information regarding the unauthorized inquiry. I asked for a signed application bearing my signature and no one can produce one nor can they see where I applied. The name of the inquiry in question is XXXX MANAGEMENT. I shows two different dates of XX/XX/18 and XX/XX/18. I should not have to keep going back and forth with XXXX regarding unauthorized inquires. This is affecting my score and bring my score down. I have started shopping for a home and these inquiries are damaging. Remove them immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have requested a simple VOM ( verification of mortgage ) document be completed by my mortgage lender, Shellpoint Loan Servicing, but they do not respond which is causing my new mortgage company to delay submitting loan to underwriting. I have emailed, phone, sent written signed authorization requesting the form be completed and for them to speak with my new mortgage company officer about any questions but continue to refuse to do so. The delay is causing me loss of funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: EQUIFAX, 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:
Equifax and XXXX are not updating my credit report for one negative item. Equifax and XXXX keeps providing bogus information claiming that my negative item was investigated. I personally contacted the creditor on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX to confirm and they NO LONGER have the disputed account on their records since XXXX. Equifax and XXXX " investigation '' stated that this creditor reported their first delinquency on XXXX. The creditor got paid through my already dismissed chapter XXXX that was filed on XXXX/XXXX/XXXX and discharged XXXX/XXXX/XXXX. The chapter XXXX has already been deleted from my credit reports along with all the involved accounts except this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Security Credit Services, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On X/X/2017 I was trying to buy a house and my mortgage company asked me about this collection company in the amount of XXXX dollars and I did know who they were so I called and asked that they send me verification if the debt and I called them back and told them that their was no where on this information was my signature and that I did n't owe them anything and for months I have been trying and disputing the information to the credit bureau, one company XXXX removed it but the other two refuse to remove it so now I ca n't buy a home because of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: EQUIFAX, 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:
XXXX XXXX has been contacted via the three credit reporting agencies for the last two years and also via the FTC/CFPB with no resolution to the incorrect reporting with the latest correspondence in XX/XX/XXXX/XX/XX/XXXX this year. XXXX XXXX double down on the damage it has done to my credit score, ability to get credit both personal and business not to mention the intense anxiety and angst this situation has caused me with continuing to violate FCRA laws. I am writing to Update the latest erroneously, deceptive, misleading current reporting that XXXX XXXX is submitting to the three credit bureaus XX/XX/XXXX, XX/XX/XXXX, and Equifax. XXXX XXXX issued a 1099C Cancelation/Forgiveness of debt to the IRS as well to me. XXXX XXXX is still reporting to the credit bureaus that this debt is open, overdue, past due, etc after it has already triggered an IRS event which forced me to report this forgiven amount of {$14000.00} as income. However, XXXX XXXX is still incorrectly reporting this amount as current open debt that is past due as of XX/XX/XXXX and that's impossible since this amount was reported as a forgiven debt income to me on my XX/XX/XXXXTax Return. This is a GROSS Negligence to continue to report this information as if it's active collections, currently past due completely ignoring the action that XXXX XXXX took on the account. This has cause grave harm to me and my family to continue to deceive readers of the credit file and to totally disregard Federal Credit reporting laws. XXXX 's own documentation states that collection has been discontinued and the economic detriment it has caused by the IRS reporting as it actual income was passed to me when it was not. So this situation causes additional harm via additional tax owed, inquiries on top of the negative reporting of this account as if it is a current open debt owed to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: NORTHWEST BANCSHARES INC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
At the beginning of XXXX, I questioned why my payments were being held instead of being applied to my mortgage. Ive also asked several times why I can not see the balance of my escrow account. I was promised follow-up, but no one ever reaches out to me. The customer service rep also could not tell me the amount. Why is this being hidden when it determines my payment each year?

Company response to consumer: Closed with explanation