BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-22
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is a follow up to Complaint XXXX : I am trying to take out a mortgage on my house. I have a HELOC from TD that needs to be subordinated in order to close the mortgage. It had taken TD many many weeks to review the documents and to respond. It also seems like it has taken TD weeks just to retrieve documents that were faxed. This delay has caused my rate lock to expire and a need to refresh certain docs for my mortgage. TD is either non-responsive or takes weeks to respond. The subordination application was submitted on or before XXXX XXXX, XXXX. I reached out on XX/XX/XXXX for an update. I didn't receive a response until XXXX just saying things are delayed. I didn't receive a real response until XX/XX/XXXX. We have sent in all of the requested information by the end of XXXX and have not heard anything back yet. 

UPDATE : TD finally responded 2 days after I submitted the previous complaint on XXXX XXXX, XXXX. TD denied our subordination request but proposed a counteroffer ( See attached ). 

We gathered all of the additional information TD requested for their counteroffer and accepted TD 's counteroffer. ( see attached ) TD reviewed the documents we sent as requested for their counteroffer and naturally we expected that TD would now approve our subordination request. Shockingly and amazingly we just heard back from TD that after re-reviewing they apparently misunderstood the original subordination request and now are rescinding the counteroffer and denying our subordination request. This is totally incredible gross negligence by TD and awful treatment. What is even more amazing is that the real current situation is actually better than what TD had counterproposed!! It just makes no sense and TD is just incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase from Nordstrom.com on XX/XX/XXXX and they sent the merchandise to my old address. The merchandise was delivered XX/XX/XXXX and was stolen before I could retrieve the items. I contacted Nordstrom multiple times and they refused to help me. It was even confirmed by a Nordstrom Customer Service Rep that the package was signed for by someone else. Now they are holding me accountable for the charges and I never got the merchandise I ordered. I also filed a police report regarding this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
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 noticed the following accounts on my credit report. These are an error or a result of fraud as they are not mine. 

XXXX XXXXXXXX {$210.00} Opened XXXX XXXX XXXX {$120.00} Opened XX/XX/XXXX XXXX {$280.00} XX/XX/XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX {$390.00} Opened XXXX XXXX XXXX  {$890.00} Opened XX/XX/XXXX I've noticed most of these accounts are medical and this is a violation of Hippa that any of my supposed information is being shared. I never received medical services or otherwise or authorized anyone to obtain or share my medical information or otherwise.

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 2023-07-27
Company: EQUIFAX, INC.
State: NY
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 submitting this complaint myself and there is no third party involved. These items were inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedback about this concern, Please help me investigate these items properly and remove them from my personal credit file : XXXX XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXXXXXX XXXX XXXX Balance : {$12000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
They added a XXXX XXXX account to my check n go account. I only bank with XXXX XXXX XXXXXXXX and only that company. What check n go did was criminal and fraudulent and instead of correcting the issue they still have the XXXX  XXXX account on my profile. They were expecting my loan to be deposited into a bank account that is not mine and refused to correct their or acknowledge there wrong doing. The were extremely unprofessional and criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
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: Information belongs to someone else

Complaint:
I have sent in multiple letters over the past two years addressing the issue of identity theft and it seems like i always get a contradicting computer generated response to my questions, concerns and issues i am addressing.It seems as if the bureaus are trying to go around the FCRA and creating unnecessary work for themselves for example, the last letter received stated that the info on my report would not be blocked, instead Equifax would contact each creditor directly which is something i didn't ask, to then turn around in the same letter and say they could not verify my identity and could not locate a credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: DISCOVER BANK
State: OK
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:
This account has been charged off and written off for tax purposes. I have disputed the information because not only has it been written off and I did not receive a 1099c but it also still shows a past due balance even after being charged off. It is reporting incorrectly and I believe it to be in violation of my rights per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account is holding my credit hostage for a balance I do not owe. XXXX closed this account in XX/XX/2013 it was paid, equipment was returned. NO balance was due or is due. I have contacted IC Systems to remove it and they just re-reported the debt as brand new like an account that is due and owing. Even if I did owe money Utah has a statute of limitations of 4 years and this has long since expires. They are barred from collecting the debt.,

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 2017-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
took my {$500.00} for a home appraisal refused to give me a loan then refuse to give me a copy of this home appraisal. so i am feeling scammed by capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have repeatedly tried to communicate with the debt collection agency over a period of several months to receive debt validation verification to no avail. I have hired a third party agency to help and they deemed the letters sent by the third party as frugal. They do not want to send me any sort of validation information, and continue to report my debt to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
THESE ACCOUNTS ARE NOT MINES AND ARE MORE THAN 7 YEARS OLD.  THEY SHOULD HAVE ALREADY BEEN DELETED. 



XXXX XXXX XXXX XXXX XXXX {$3000.00} - - Installment Negative XX/XX/XXXX XXXX XXXX {$1000.00} {$1500.00} 70 % Revolving Negative XX/XX/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 2020-02-28
Company: EQUIFAX, INC.
State: AR
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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

US DEP ED XXXX {$41000.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$0.00} XXXX XXXX {$820.00} XXXX  XXXX {$410.00} XXXX XXXX {$1200.00} XXXX XXXX {$400.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$300.00} XXXX XXXX   XXXX {$450.00} XXXX XXXX XXXX {$350.00} XXXX   XXXX {$1200.00} XXXX/XXXX XXXX {$450.00} XXXX XXXX {$820.00} XXXX XXXX {$720.00} XXXX XXXX {$890.00} XXXX XXXX XXXX {$600.00} XXXX XXXX {$450.00} XXXX   XXXX {$750.00} XXXX XXXX XXXX {$67.00} XXXX   XXXX {$300.00} XXXX XXXX {$300.00} DPT TREASURY XXXX {$56.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing items on my credit report that is old debt. that I have no idea of and is not my debt, I would like the credit agency to delete these items. they are being bought and sold by credit collection companies, And hurting my credit status. I have been disputing these items since last year XX/XX/XXXX, XX/XX/XXXX, and present. These credit agencies are unethical and are in full support of the collection agencies.

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 2018-04-05
Company: JTM Capital Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been a victim of identity theft and have made contact with this company in trying to resolved this matter. I have sent it many request for this collection to be removed from my credit and have just be either hung up the phone or direct me to somebody else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello again, Just last week I spoke to one of your Customer Service Representatives, they had told me to write in regarding the aging of my account with you. In addition, the agent told me the reason the account is aging at this time, showing a charge off as of this date, XXXX is because your " system '' shows that I have disputed the account, therefore it automatically reports it as currently being charged off. When in reality it was charged off almost seven years ago. This is not only damaging my credit or what little I have it is also false information. 

Therefore, I am asking that you be so kind to remove the " dispute '' on my credit report with your company right away. Please report to all three credit reporting bureaus right away. Then, please on the payment history do not report past the actual charge off date as per law or the FCRA. This should take the account to the proper status. Please see that these changes are done right away. 

Thank you in advance. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
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've been a victim of identity theft. My personal was stolen. I noticed XXXX XXXX that I have incorrect/ fraud hard inquiries on my credit report. The company reporting this is Equifax. The incorrect hard inquiries listed are Name : XXXX XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX OH, XXXX, Name : XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX FL XXXX, Name : XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX TX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: NEW YORK COMMUNITY BANCORP INC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Flagstar Bank XXXX XXXX XXXX XXXX, OH XXXX Subject : Complaint Regarding Forced Purchase of Flood Insurance - Loan Number : XXXX Dear Sir/Madam, I am writing to express my deep dissatisfaction and frustration with the recent actions taken by your bank regarding the forced purchase of flood insurance for my property. Despite multiple attempts to address this issue through phone calls, the matter remains unresolved, necessitating this formal complaint letter. 

On XX/XX/XXXX, I received a letter from your bank requesting the addition of flood insurance, despite the fact that I already maintained basic insurance coverage for my property. While I complied with your request and promptly contacted the insurance company for a valuation during the normal grace period, it took approximately one month for the insurance policy to take effect, specifically on XX/XX/XXXX. 

During this period of waiting for the insurance to become active, I was shocked to discover that your bank had charged me exorbitant premiums, which were three times higher than the prevailing market price for flood insurance. This irresponsible behavior not only imposes a significant financial burden on me but also raises suspicions of improper transactions between your bank and the insurance company, disregarding the wishes and financial well-being of the consumer. 

I firmly believe that this forced purchase of flood insurance at inflated prices goes against ethical business practices and consumer rights. Therefore, I strongly urge your bank to rectify this situation by promptly refunding the premiums that were unjustly imposed on my account. I expect a full reimbursement of the excess premiums paid during the waiting period, as it was due to circumstances beyond my control that the insurance policy took effect only on XX/XX/XXXX. 

Furthermore, I request a thorough investigation into the matter to ensure transparency and fairness in your business dealings with insurance providers. It is essential that your bank upholds the highest standards of customer service and treats customers with respect and integrity. 

Loan Details : XXXX XXXX : XXXX I anticipate a swift resolution to this matter and a timely response from your bank. Failure to address this issue satisfactorily may leave me with no choice but to escalate the matter further by seeking assistance from regulatory authorities or taking legal action. 

Thank you for your attention to this serious matter. I trust that you will handle my complaint with the urgency and seriousness it deserves. I look forward to a prompt resolution and a written response within [ reasonable timeframe, e.g., 15 business days ]. 

Yours 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 explanation
Consumer complaint received 2018-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Previously I filed complaints against XXXX XXXX and Bank of America on XX/XX/18. There was a filibuster between the two institutions and {$400.00} of my funds were placed on hold and there was the threat I would never receive them back at no faul of mine. There was a transaction error between the two banking institutions, XXXX  called from XXXX and got BOA on the phone and a verbal approval was given to release the funds to me. This morning BOA closed the dispute file with an adverse action action me. 

This Morning XXXX XXXX from called to collect the money back and said she was a debt collector. I told her I was recording the call. The problem had been fixed and I had my {$40000.00} back. 

Today when I called XXXX to fix the adverse statements against me he said he wanted to pull public records to fix the inaccuracies. Then he told me he could help me. 

Bank of America is a MESS, They don't know what they are doing and their polices and procedure are made up on the spot and adverse to consumers. They are out of order someone truly needs to get in their and find out what's going on. I spend 8 to 10 hours working out problems they unfairly create and this has been a hardship on me. I'm a senior collection XXXX XXXX. XXXX and XXXX, I would like to have my financial records were ever they are to be accurately reported, Thank you!

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 2020-11-24
Company: Netspend Corporation
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am having multiple problems with this account. I have attempted to reach out to " XXXXXXXX XXXX '' multiple times by e-mail and telephone. The e-mails are mostly copy and paste replies that don't do anything to solve my problem. They have tried to call me but as they never set a time to call, so we're unable to connect. I have tried calling the number listed, but can't get past the automated voice prompts. The voice prompt does not accept my Social Security Number, and then the voice prompts go in circle and eventually disconnects the call. 

Problem # 1, and the main reason why I am filing a CFPB complaint. I was promised a {$50.00} bonus when signing up for a XXXX XXXX  account through the referral. I met the requirements of activating the card and initiating a direct deposit. The {$50.00} was not credited to my account. I am extremely disappointed about this. 

I used to open my account on XX/XX/2020. This is the link that I used : XXXX XXXX XXXX Problem # 2, XXXXXXXX XXXX  is the only bank I've ever used that does NOT accept my phone number. I tried entering it but it does not accept it. I used a friend 's phone number to sign up. Therefore, the number on my account is not even a valid phone number for me. 

Problem # 3, Their phone support system is completely broken. Every time I tried calling, it first prompts me to enter my Social Security number but then it does not accept it. I am unable to reach anybody. Even when I don't enter any numbers.. eventually the call just disconnects and I am unable to speak to anybody.

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 2021-08-12
Company: Chime Financial Inc
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was searching online for a hotel room, and I went on some website. I brought nothing from this website called XXXX XXXX. I have no idea why they changed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
PLEASE REMOVE THE LATE PAYMENTS OFF THIS ACCOUNT. MY PAYMENTS WERE NOT LATE AND ACCOUNT IS PAID OFF IN FULL.

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 2020-02-28
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:
The account listed below was not done by myself. please delete it immediately.

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