BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-02
Company: EQUIFAX, INC.
State: OH
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 copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute is listed below : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. My current address is XXXX XXXX XXXX XXXX XXXX, OH. XXXX. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
I first contact XXXX XXXX regarding the issue when I received a credit monitoring alert from XXXX XXXX stating that there was a 30 day late reported on my credit report for $ XXXX/XX/XX/2020. I knew this was incorrect when I had just made a payment of {$81.00} for XX/XX/2020 I  looked into the matter immediately by contacting XXXX XXXX and speaking to one of their representatives to find out what the problem was. The representative stated even the payment was made on time I failed to make the whole payment that was due of {$96.00} vs. {$81.00}. The difference of {$15.00} was for late payment which I was not aware of. I always go by what payment is due on my XXXX XXXX app and the day I made the {$81.00} for XX/XX/2020 that is what it stated. My monthly payment practice has been what is on my XXXX XXXX app and has been for as long as I have had the card. 

The XXXX XXXX rep explained to me to contact the credit report agencies and make a dispute through them. I did this and XXXX XXXX denied my request to change my credit report. 

I wrote them directly and asked them to change it and they denied that request also. 

I have included supporting documentation to support my claim.

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 2018-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2017, I took my car to ( XXXX ) XXXX XXXX XXXX to service my car for family vacation. The repair was not done correctly and my family and I was stranded 11 hours away from home. I paid another repair shop where we were stranded to address the botched repair and filed a claim with my bank, ( BOA ) Bank of America, to get my funds back from the original repair shop. I sent the original documents pertaining to the repairS to Bank of America for their review of my claim via express mail with tracking. After repeated phone calls for over a month to follow the status of my claim, BOA claims they never received the documents from me and that they needed to be resubmitted for consideration. I then faxed the documents over and tracked my original documents, only to find out that they were received and lost by BOA. BOA then sided with XXXX and retrieved the credited funds from my account, placing it in the negative. BOA stated that I could not appeal because I was out of time and that I would have to resolve the financial matter on my own with XXXX. BOA would not allow me to close any of my accounts and they have taken approximately {$3800.00} from my accounts to recoup fees and the negative balance. BOA stated that if I could prove XXXX 's negligence via financial compensation, they would waive all fees and credit my account with the {$3800.00}. I retained a lawyer to deal with XXXX and they reimbursed me for the botched repair at the end of XX/XX/XXXX. I sent the letter attached with the check to BOA AND deposited the check in my BOA account as proof of XXXX 's negligence and BOA refuses to credit my funds to my accounts. I WANT MY MONEY!!!

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 2018-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I had suggested to Bank Of America that they should add Airlines to their categories of their debit cards. I asked them if they had received it and they gave me a inappropriate answer.

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 2018-07-03
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
On XX/XX/2018 I paid the total amount that was due on my credit card as of that XX/XX/XXXX date. XXXX has a bar that runs at the top that shows you how much you end up paying off based on payment amount. I paid off the entire credit card, $ {$920.00}. After I made the payment, Citibank showed my balance as {$0.00} on XX/XX/2018. I logged in twice that day and that was the balance on my account. Today, on XX/XX/2018 I logged in and saw that my running balance is {$160.00}. In fact, on my " Transactions- Activity Since Last Statement, '' my account shows that I had a running balance of {$160.00} on XX/XX/2018. This is confusing and misleading. 

If I actually owed {$160.00} on XX/XX/2018 that should have appeared on my screen yesterday. This is the 2nd time I have noticed Citibank 's website provide a discrepancy in what I owe and what my balance is. This is incredibly frustrating as I am not sure which balance to believe, and feel like no matter me wiping out the total balance, somehow I still owe something that was due on the same day as my payment. 

I took screen shots this morning to explain this issue. 

I called Citibank this morning to resolve this issue. I spoke with XXXX ( XXXX ) a phone banker in the XXXX, and she said that the {$160.00} are payments that did not post to my account until this morning. I told her it is deceptive and unfair to not provide accurate and real information about a customer 's account. Furthermore, ( even though I strongly disagree that I owe that full amount ), why is Citibank 's website showing that I had a running balance of {$160.00} on XX/XX/XXXX today but yesterday it showed that I had a balance of {$0.00} at XXXX different points when I logged in? I don't want to feel like I am never fully paying off this credit card. XXXX kept explaining that it may be a matter of a charge that just came on my account that was pending. That still doesn't explain why my statement shows I had a running balance yesterday after I made a payment. I asked to be connected to an escalation team or someone who handles disputes. She only offered to transfer me to her supervisor of technical support. That does not provide me with an appropriate avenue to address my concerns!

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 2019-11-15
Company: PENNYMAC LOAN SERVICES, LLC.
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was served a delinquent tax notice by XXXX County, Delaware dated XX/XX/19 for unpaid taxes to the county that were due on XX/XX/19. PennyMac Loan Services , LLC is responsible for making this payment along with the City of XXXX, DE tax payments from my escrow account in a timely manner. I confirmed that this was the case by calling the XXXX County Collections Division as soon as I received the notice. I also called The City of XXXX to see if PennyMac paid taxes owed to them and the accountant confirmed that PennyMac had not paid the city taxes and that the payment was overdue, also. Starting XX/XX/19 I began making weekly ( at least ) calls to PennyMac with the last call being made today ( XX/XX/19 ). I have explained the issue every time I call to the customer representatives, and yet, the issue has still not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: ROBINHOOD MARKETS INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I tried to close out my savings account by trying to withdraw the remaining balance of XXXX via robinhood deposit feature into my robinhood. The savings account blocked the transfer. I contacted them and they said once I deposit the amount that reverse and it clears my instant deposit will work again that was XX/XX/XXXX. So XX/XX/XXXX I deposited {$5.00} which completed and still no instant deposit. I then deposited another {$100.00} and I contacted them and told them it didnt deposit instantly they said once it clears XX/XX/21 my instant deposit will work. Yesterday I joined robinhood gold which states that I will have instant deposit Im sure that would work and I deposited {$2000.00} and still no instant deposit now I have to wait until. XX/XX/XXXX to invest this money. 

Should I try to sue for false advertising. Robinhood gold states I will have instant deposit and thats why I bought it. They also stated my instant deposit will work I have emails to prove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
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: Personal information incorrect

Complaint:
I have submitted multiple request to remove wring addresses and still have not removed the inaccurate information on 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 non-monetary relief
Consumer complaint received 2021-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 3 times the following information with the 3 major credit bureaus, XXXX, XXXX and TransUnion, to which each failed to comply with Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA. Attached you will find supporting documentation for each dispute submitted to each credit bureau including tracking numbers from USPS. 

XXXX is currently reporting the following incorrect information :

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 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXX XXXX  who I have ( had ) an account open with closed my account. It is linked to my XXXX card. There are SEVERAL THINGS seeming off about this - my employment amount and status is secure due to the fact I work for XXXX myself -i opened the account during XXXX time ( early XXXX ) to buy gifts, i passed the credit approval that month -XX/XX/XXXX ( according to the report ) says my credit score was XXXX, WRONG! 
i have multiple documents proving otherwise, and give you full permission to contact ANYONE involved to fix this fraud or mistake, whatever this is. 

XXXX XXXX I applied for a car and my credit score was XXXX ... ..how did my credit score go up 109 points in 11 days, IT DID NOT. 

My current credit score ( before it took the 23 point hit from this account closing ) was XXXX. There is no possible way it is XXXX now and XXXX in XXXX Also if I opened the account a month prior ... ..how did it go up 109 points which i mentioned before. 

Another reasoning was not paying enough on my installment loans, only installment loans I have open our college loans, I am still in college and will be until XXXX. ANOTHER ERROR. 

One of the reasons list as well was no secure loan information on real estate? I do not have real estate I am XXXX. 

I have XX/XX/XXXX and stay ON TOP of my score, it was never XXXX, or even under 600 EVER. There source of information also is transunion WHICH I USE ON MY XX/XX/XXXXAPP, also wrong. Another source I trust for my credit score is my XXXX CC report at the end of the month that tells me my monthly credit report. Also in the 660s for the beginning of this month. 

I opened the account in XXXX but under investigation a month later? how can you get approved then that happens? 

ANOTHER factor, this credit score was taken in XX/XX/XXXX ... ..but my account was closed XX/XX/XXXX. 

Point blank : there is a SERIOUS mix up that needs to be fixed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made a payment of {$290000.00} on XX/XX/2023. I wanted it all applied towards principal. But chase treated it as prepayment of interest, which benefits them but hurts me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: AFNI INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XX/XX/XXXX - AFNI, Inc notified me via mail of alleged debt of {$880.00}, owed to XXXX XXXX XXXX. 

XXXX XX/XX/XXXX - I sent debt validation request letter to AFNI, Inc IAW Debt Collections Practices Act. I specifically asked for a detailed description, an itemized description, and copies of all documents showing my agreement to purchase any product/service from XXXX XXXX XXXX. The letter was sent REGISTERED MAIL, RETURN RECEIPT REQUESTED. 

XXXX XX/XX/XXXX - I received another letter from AFNI, Inc alleging a debt of {$880.00}, owed to XXXX XXXX XXXX. In this letter, AFNI refers to my recent IDENTITY THEFT and XXXX XXXX. I haven't had an IDENTITY THEFT, nor have I ever had an account with XXXX XXXX 

I am also sending a Cease & Desist letter to AFNI, Inc, via REGISTERED MAIL, RETURN RECEIPT REQUESTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: BROKER SOLUTIONS, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a refinance with New American Funding over 8 weeks ago, and they promised to close in 3-4 weeks. Things were moving along, and I locked a rate of 5.1 %. Exactly XXXX days later, the Federal reserve raised interest rates. Since then XXXX XXXX has tried in various ways to not honor our agreement. They have ordered a new appraisal, ( the original appraisal reflected 71 % XXXX, although I was told that up to 80 % was acceptable ) changed the loan terms, redundantly requested documents, and just this morning sent me new disclosures that suddenly increased my closing costs by {$10000.00}. It is my belief that New American Funding does not want to honor my loan, due to the interest rate change. I need help with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Suntrust Bank in XXXX, Georgia " apparently '' closed business checking account on or about XX/XX/2018. There was a balance of approximately {$3000.00}. This account belongs to a Collection Agency, specializing in commercial collections. Consequently, 75 % of the funds held DO NOT belong to the company, but belongs to third party clients. 
We have telephoned Suntrust on multiple occasions and NEVER received any information. On XX/XX/2018 a certified letter was written to XXXX XXXX XXXX XXXX, President of Suntrust, sent certified mail, return receipt. The letter was received. As of today, XX/XX/2018 there has been NO response, and no funds received and nothing back to the clients whose funds were deposited.

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 2022-10-05
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check on XX/XX/XXXX for {$6000.00}. I put it in ATM. I knew it would be on hold.I {$100.00} in the account before deposit. I was able to use my debit card until XXXX XXXX  that day when at the gas station my card was denied- told it said restricted. Called cust. serv. immediately - told my account was revoked and the check was on hold for a week. No reason for revoking my debit card. Told unable to use it until hold is off. Was told it's how they do it. I went to the branch on XXXX the next day - doors were locked - not enough staff. So I went to drive thru -demanded to know what was going on with my card. was told my account frozen. told them money was in there before the deposit -they got permission - gave me the XXXX I had in the account. I was told that my account was done & needed to shred my debit card ( they had it inside for ID purposes ) I demanded a meeting with manager, they referred me to XXXX XXXX at XXXX XXXX and gave me her number. I called. Spoke with her and she said she would figure it out and call me back. She did not. I called her. She stated that check on hold til Monday and account frozen until the check clears because -was deemed poss. fraud. It was a check from my uncle who borrowed me money for a debt consolidation to fix my credit. He was called by XXXX ( his bank ) gave the OK to fund the check. Received a letter dated XX/XX/XXXX stating there is a hold and would be released on XXXX. On XXXX I got notified via email that funds were available. Tried to use card still can not .Called cust. serv. told they put an addl hold with a different dept on check. Now told me it may be XXXX before it is available. Am told possible fraud. Also stating Citizens not funding. This is a lie. I still can not use my card -my payroll went to this acct today. II am now behind on all of my auto pays on my card in my account, I am now instead of XXXX in debt, XXXX because I have to make payments on this money that is on hold. You can see all of my documentation attached. In addition I have made a dozen called to the local branch and customer service. I am being treated like a criminal and I literally did nothing but make a large deposit ( large to me and apparently the bank ). This is financial profiling! 

Desired Settlement : I want my money. I did nothing wrong. The hold had been done as stated in the letter PLUS some. It is my money from my XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: MI
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$42000.00} XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX Balance : -

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 2021-02-02
Company: JPMORGAN CHASE & CO.
State: MS
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 recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances on establishing a great history with the current company. The name of the inquiry is JPMCB Card. The inquiry date is XXXX XXXX. The bureau reporting is XXXX. Thank you!

Company response to consumer: Closed with non-monetary relief