BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-11
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2018 BMO Harries bank charged me an overdraft fee of {$36.00} dollars after I had deposited money to cover the overdraft that occurred on XX/XX/2018. On XX/XX/2018 an automatic charge from XXXX in the amount of {$10.00} was charged to my account which had {$1.00} at the time, causing me to go into negative {$8.00}. This occurred some time in the afternoon and the bank has a cut off time of XXXX local. The next day in the morning when I checked my account I was made aware of this situation, which I promptly remedied by depositing money into the account to cover the overdraft, at this time the bank did not apply the overdraft fee, which means the account was only in negative by {$8.00} when I deposited the funds to cover the overdraft. Later that day the bank charged me the {$36.00} dollars for the overdraft even thou I had remedied the issue hours before. I was not given any notice by the bank that my account had been overdrawn nor prior to me checking the account myself. There reasoning is that because I didn't not deposit money the day the overdraft occurred, the XXXX of XXXX, and it is now the XXXX of XXXX they will not remove the charge. This is only one of the shady practices that this bank deals in. A month before they charged me over {$100.00} dollars in late fees because they forced a service charge thru before my purchases causing me to overdraft even thou when I made the  purchase I had money in the account to cover the purchased items. I believe that this is blatant ripping off of customers since not even a full day had passed before I deposited money to cover the overdraft, the bank had not even charged me the overdraft fee when I deposited the money to cover it. This has occurred on many occasions and when ever I call to right the wrong they give me different reasonings and excuses of why they can not help. After some internet searches I came across several lawsuits against BMO Harries bank for these practices that they were fined for and lost cases. 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 2019-08-09
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 am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap ... US DEPARTMENT OF EDU, CONTRACT CALLERS I ( ORIG CREDITOR : XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a credit card with JPMCB CARD, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called JPMCB CARD and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX XXXX, and JPMCB CARD with no successful resolution. XXXX XXXX and XXXX   reporting me 30 days late on XX/XX/2018. There was an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
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 information incorrect

Complaint:
TransUnion reporting late monthly payments reporting on a closed account. I wonder how were the late payments verified? Please provide proof of bank records and proof of the transactions or receipts that belongs to this account. I've been disputing with TransUnion since XXXX. TransUnion had more then enough time to do a proper investigation along with showing me proof of a proper investigation. They are in violation continuing to report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: Experian Information Solutions 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 WANT TO NOTIFY THAT I RECENTLY FOUND OUT A FRAUDULENT ACCOUNT IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT, AND SOMEBODY USED MY PERSONAL INFORMATION AND OPENED A FRAUDULENT ACCOUNT UNDER MY NAME. I DID NOT AUTHORIZE ANYONE TO USE MY PERSONAL INFORMATION AND OPEN AN ACCOUNT BY 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
Consumer complaint received 2023-07-27
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: Information belongs to someone else

Complaint:
I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am filing this complaint in regards to a debt that I had previously dispute directly with MIDLAND FUNDING LLC ( XXXX XXXX ) ACCOUNT WWR # XXXX. I never received a response back from MIDLAND FUNDING LLC. I HAVE HAD SOME ISSUES with Fraud that are still being addresses. I am in the process of filling a FTC ID theft compliant at this time. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.

1692 ( c )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-06
Company: MOHELA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Date XX/XX/XXXX - sent request to federal student lender Date attended XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX Loan is with Mohela XXXX - Acct # XXXX Loan Amount is {$15000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Timeline : 1. I deposited a personal check to my HSBC checking account. 
2. And their security department suspend my account. However no one from HSBC contact me via email or phone 3. I don't aware of the issue until I can not access the account either from web or mobile. 
4. I called the customer service department on XX/XX/XXXX. They gave me a phone number of security department without addressing my issue 5. I called the security department on XX/XX/XXXX. The representative ask me to wait to 5-8 business day without giving me a resolution. During these time i can not access my account balance or do other action. 
6. I called the customer service department on XX/XX/XXXX, and issue still doesn't get fixed. 
7. I want to close the account, and the representative refuse to do that. 

Complaints : 1. During these time, No one called or emailed me explaining why my account was suspended. And how can I fix the issue. 
2. They set the working hour of security department to is 8-5 pm, ET, which is very inconvenient for me to contact them since I am in PT time zone. I have successfully contacted the security department once. However they does not fix my issue just asking me to wait. 
3. I used this account to pay my other credit card and rent. Since they refuse to tell me the balance of my account, I might be required to pay over-draft fee or late payment fee from various credit cards companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Mr. Cooper Group Inc.
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I XXXX my application, appraisal and money order to Nationstar to have 20 acres of property released from my current mortgage on XX/XX/2021. After not hearing anything back about receiving the application, I called and was told the application with the appraisal was received and the money order was cashed. I followed up with multiple calls and never got an email response from the agent handling my account. On XX/XX/XXXX, I received my first and only correspondence to date from the agent. In this correspondence there was an appraisal request in reference to a property that was not mine. It was a different customers name and information in a different state. I immediately replied letting the agent know and reminding them that they had my appraisal and even directing them to the page that stated the land value appraisal. I never received a message back. I have called 3 times and I have sent emails, the call center people have also emailed the agent each time on my behalf. They do not have anyway to get into phone contact with the agent and I have asked if I can speak with someone in her department, but they are unable to. 

This process is holding up our construction and the lack of communication and poor customer service, from the agent is unacceptable. The call center people have been great, but are not given the tools necessary to help. If I knew this was going to be so poorly handled, I would have refinanced with another company.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have +an 800+ plus credit score, income close to the top 1 % and impeccable credit - I've never been late paying a bill and have a large bank account. I was invited to apply for a City XXXX with 0 % for 18 months offer which I did. I was accepted and given a {$1000.00} limit. Most credit cards offer me XXXX XXXX, XXXX XXXX they offered me XXXX XXXX  limit. When I complained they had me apply for a credit card limit increase which was denied. I cancelled the card never having used it. I strongly suspect that when they saw that I would use the account and pay the balance each month they offered me much less than other customers with poor credit histories who I strongly suspect would get much larger credit balances. I never would have a applied if I knew the limit would be {$1000.00} and now I have two inquires on my credit profile. 

They said they'd send me a letter explaining why I was denied an increase. All the letter said was " We're unable to approve your request ''.

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 2019-06-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX FOUND 7 DATA BREACHES ON MY ACCOUNT!!! 
HOW DOES THIS HAPPEN? 
HOW DO I PROTECT MYSELF? 
Should I freeze everything for eternity?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
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: Information belongs to someone else

Complaint:
I am writing to you in order to let you know that there is a need of investigation. Recently I checked my profile/ credit report and I saw fraud accounts and inquires there. I do not know how that possible but I do not recognize any of them. I am victim of identity theft, maybe somebody put my name or just used my personal data or anything else but I insist on investigation and AFTER PLEASE DELETE THEM all. I am very sad that this happened to me as well and honestly it ruined my plans. I am very responsible person and I have never had something like this in my credit report. Please recheck this misleading information asap and delete from my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
TU FOUND 7 DATA BREACHES ON MY ACCOUNT!!! 
HOW DOES THIS HAPPEN? 
HOW DO I PROTECT MYSELF? 
Should I freeze everything for eternity?

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 2020-05-26
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/19 my domestic partner and I opened a joint account for the amount of {$1000.00} at Suntrust Bank branch in Florida located at XXXX XXXX XXXX XXXX XXXX Fl XXXX. 

My partner already moved to XXXX and I am in the process of relocating. On XX/XX/19 the account was closed by the bank and decided to withhold the XXXX after the check was cashed by XXXX. 

The officer at Suntrust refused to tell us the reason why the account was closed and refused to return our money. We spoke with Officer XXXX XXXX XXXX XXXX ) XXXX at Suntrust Executive Services in XXXX. 
She referred us to their legal department telling us the money was locked in the bank 's safety box. She also told us to contact and inquire about my credit report with the credit bureaus. We did and found nothing wrong with my credit which the officer al the local Suntrust bank suggested, was the issue. 

I contacted the legal office of the XXXX XXXX XXXX of which I am a member. They wrote several letters to the bank. As of now the letters have been unanswered.

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 2022-09-24
Company: AMERIS BANCORP
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I have contacted AMERIS BANK in multiple occasion regarding account # XXXX and account # XXXX to provide me with all the initializing paperwork with Copy of the REMIC ( Real estate mortgage investment conduit ) filings so I can transfer the property to a Trust. I also demand the ( WHFIT ) Widely Held Fixed Investment Trust records.

\\ It is very important for me to have those Documents ( REMIC filings ) for me to properly transfer the property to the Trust, my counsel said those documents are needed. XXXXAMERIS BANK refused to provide any of the above referenced documents

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Herbert P. Sears Co., Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Collection account showed up on my credit unbeknownst to me. It was a XXXX XXXX account originally. The day it popped up I called and spoke with a supervisor and he told me if I paid it today then he would delete it. I asked him to validate the debt by sending me something showing the missed payments because I was on automatic debit with the company. He said he couldnt provide that and I would need to dispute but he discouraged me from disputing. I told him I would reach out to them directly to validate and that was to no avail. So the very next day I called to speak to same supervisor and paid settlement of 70 % of the debt and he then told me he wouldnt honor my deletion. This is bad business. He outright lied. He said he would delete as a 1 time courtesy since I had no knowledge of the debt still being owed and he lied about that. This cost me quit a bit of point while in the middle of escrow. I had no choice but to pay before I could even validate because of time constraints on buying a home and they still didnt remove it from my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
I noticed that this company has been reporting inaccurate items on my credit report that are negatively impacting me. I reached out to these companies over 60 days ago and still haven't gotten my issues resolved nor have I even got a response. I attached the letters and documentation to verify my identity for confirmation

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 2021-05-19
Company: Square Inc
State: NC
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/2021 at XXXX someone used my VISA Cash App Debit card to purchase {$5400.00} worth of VISA gift cards out of XXXX  in XXXX NY . I still had my card with me so I thought it was some type of mistake. I contacted Cash App via email ( no one answered the number that was provided ) last week when the incident happened. I filed a police report today and sent several messages to Cash App concerning the fraudulent purchases. I have not heard from Cash App and XXXX  stated that I had to go through them since the purchases were made in-store.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
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:
This is a debt the should've been paid by the insurance and the father XXXX XXXX whom is court ordered to carry insurance on the children. It also has been refiled multiple times so the dates change to not fall of at the 7 year mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: PNC Bank N.A.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have people sending me money through XXXX and PNC will not allow my back account to sync with their program. They also won't sync with XXXX. 
These are popular methods people are using these days for transactions and it makes no sense for PNC not to allow me to deposit or withdraw money to send in this manner. I had to open a different account with another bank to access the {$200.00} I had locked up in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2018, {$2900.00} was transferred ( via EFT ) from an account at XXXX XXXX XXXX to my Citi Mastercard account ( at that time ending in XXXX ; now ending in XXXX ). This money was transferred to me by the owner of the XXXX XXXX XXXX account for two purposes. First, these funds were to be used by me to purchase equipment using my Citi Mastercard. This equipment was to be sent by me to a company address that the XXXX XXXX XXXX account owner would forward to me at a later date. Second, part of this money was compensation to me for consulting services provided to the owner of the XXXX XXXX XXXX account. After receiving the EFT, I purchased two XXXX XXXX, as requested to the owner of the XXXX XXXX XXXX account. All of the details regarding this transaction are documented in several emails between the XXXX XXXX XXXX account owner and me.

These funds were in my Citi Mastercard account for approximately two months. Then, on XX/XX/2018, Citi sent my money back to the XXXX XXXX XXXX account without contacting me first, and, obviously, without getting my approval.

On several occasions ( in writing and on the phone ), I have asked Citi why they sent my money back to this account without contacting me. Citi has never given me an answer to this simple question. By sending my money back to the XXXX XXXX XXXX account, Citi basically helped to facilitate a scam. Or, put another way, if Citi had not just sent my money back to the XXXX XXXX XXXX account, this scam could not have been completed.

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