BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-04
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
BMO Bank send a fraud alert letter saying personal information was used to open a deposit account in my name.

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 2019-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Trans union is not reporting a credit card I am authorized on for a XXXX account with my husband and I.

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 2021-02-27
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, I had back unemployment benefits from NYS deposited into my PayPal account. I had used this account to receive unemployment without issue for nearly 2 months but when 6 weeks of back pay was deposited I was permanently locked out of my account and told I had to wait 180 days before they decided I would get access to my funds. 

No I dont have access to my unemployment after speaking with PayPal on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: CITIBANK, N.A.
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I, XXXX XXXX, opened a savings account with Citibank. I was supposed to receive a {$400.00} bonus for opening the account and meeting certain terms ( XXXX in new money within 30 days and held for 60 days ). I was also supposed to receive a {$100.00} bonus for two direct deposits in consecutive months to my checking account within 60 days. I met all the requirements and did not receive the bonus within 90 days as stated in their terms. I have attached a screenshot of the terms that I took when I opened the account, just in case Citi decided not to honor the promotion.

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 2018-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
XXXX XXXX Visa Prepaid card.I can not withdraw my funds.I called customer service on XXXX XXXX to get answers on why funds are on Hold.They keep telling me each day that I have to call back for a update.I have fax and e-mail all the documents but still get the same answer -- '' This is being sent to the another dept because my account was suspened ... I am XXXX XXXX XXXX and I live on my own.

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: EQUIFAX, INC.
State: AL
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 initially send a copy of my FCT report and identification to all credit bureaus in XXXX. I received a notification via my XXXX account that the account for the company XXXX XXXX would stay on my account. I had been working directly with the company in the past to remove this from my credit as it is not my debt and identity fraud. I spoke with an employee at XXXX XXXX XX/XX/XXXX, then another employee named XXXX in the complaint department XX/XX/XXXX. She informed me that they had received a fax from me from XXXX but it was half way cut off so they could not determine anything. I informed her I in fact had not sent them a fax of anything and it more than likely was from the credit bureaus. XX/XX/XXXX I then faxed XXXX the information requested ( which I had previously mailed a while back when trying to get this off ) my ID, ( social ), FTC report, my signature 5 times. She mailed me a letter stating what I had send wasn't enough evidence when in fact I sent everything that was asked. This company is determined to keep this own my credit when it is clear this was identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I registered online on transunion.com to freeze credit report. After registration I was charged $ XXXX/month for credit monitoring service. There was no clear statement about the service fee. I was tricked to sign up such service. I called the company right away to cancel the service and tried to get a refund. I was put on hold for a long time, and finally a customer representative said their system was down, I needed to call back again. TransUnion doesn't conduct their business in a honest way.

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 2018-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 keep getting told that I will received a reinvestigation if my dispute of XXXX XXXX from Transunion but they have not and wont reinvestigate like Ive told they will and have not been helped in trying to resolve my issue.

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 2020-06-01
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I paid my synchrony bank credit card off in it's entirety in an over-the-phone payment. {$2100.00} was taken directly from my checking account that day. The customer service representative then acknowledged it wasn't my fault that my account was past due, and she was going to refund my checking account the {$270.00} over payment ( {$16.00} interest/ {$250.00} late fees ) that shouldn't have ever been tacked on in the first place, the only reason I never made a payment is because they told me I would have no payment due until I received every piece of furniture from that order, which I did not, no statement or account information ever came to my address on file. I had to reach out to them to get my account information and pay my balance. 

About 2 weeks later in early XXXX I received a letter in the mail from Synchrony Bank stating my account had a {$0.00} balance. ( I had requested this letter for XXXX XXXX XXXX XXXX to do a rapid rescore on my credit so I could purchase a home for my family ) On XX/XX/XXXX my Synchrony account was re-charged the difference amount of {$1800.00}. Instead of refunding my personal checking account the {$270.00} as promised, the representative recharged the credit card the difference even though I already paid it completely off. 

My wife and I have both talked to countless reps and supervisors from Synchrony, all of which are no help. They apologize and send it to investigations promising that it will be cleared up, but it never is. Each time we call back they have NO recollection of who we are or what the problem is.It 's now been nearly 5 months, my synchrony account is showing delinquent on my credit report, my score has dropped a HUNDRED POINTS due to this mess. It ruined our ability to buy a home for our children. We both spend hours and hours trying to call and resolve this, we have faxed in our bank statements PROVING the {$2100.00} left our checking account and never returned, we have sent registered mail, they REFUSE to help us. 

PLEASE help us get the {$1800.00} fraudulent, erroneous charge + any fees they may tack on removed from this Synchrony account and get our {$270.00} in fees and interest returned to our checking as promised, and make them fix my credit score they single-handedly ruined.

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 2020-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Creditor is reporting inaccurate and fraudulent information on my Transunion credit report. Account was closed on XX/XX/XXXX and listed as a charge-off. Creditor has been reporting before and after reported closure date of late payments. Creditor reporting to credit bureau XXXX  of satisfactory payment history on my behalf for months stating from XX/XX/XXXX through XX/XX/XXXX to which this information is inaccurate and fraudulent I have not made any monetary payments on this account since creditor has taken possession of the proposed vehicle of the loan I would like this information corrected and creditor remove this account from the Credit reporting bureau Transunion promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In the progress of closing on a mortgage with JPMorgan Chase ( the lender ), originally scheduled to close by XX/XX/2023 ( 30 days after acceptance ). Throughout the process, we ( myself and my agent ) have expressed that we, and the seller are under strict timelines due to the sellers performing a 1031 exchange. 

The week before closing, the lender reached out via a call stating that the mortgage was " approved '' but that they would call me back after checking some details. The following day, they called me back, and stated that I was short on reserves ( due to previously undisclosed reserve requirements involving current rent etc. ), once those details were sorted out, they further changed the guidance, and stated that they would not accept one of my gifts ( accounting for <10 % of the cash to close + reserves ). After providing additional documentation for that gift, they still refused to accept any funds from that person ( under advice from the loan officer to change the relationship from friend to family for my significant other ). 

At this point it was less then a week to close, and they still refused to provide any status updates to my agent, or the escrow ( who have both been emailing them asking for updates ). Then on the day of closing, they said they would not be able to close on time. 

The following week, they proposed switching the product ( to a different one with obviously worse rates ) in what appears to be an attempt to coerce the buyer ( myself ) into a worse position by preying on the time sensitivity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Bank of the West started to charge my business account for monthly account fees without notice. The first time I found out about this is when my credit report showed a collection account for the 2 accounts for  amounts of {$100.00} each in early XXXX. I reached out to Bank of the West whom confirmed that they removed all fee waivers in XXXX of 2020 and upped the charge from {$10.00} a month to {$25.00}. I was never notified and they had my correct phone number on hand and should have called to inform me at any time.

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 2020-10-19
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX  found the 2 acccounts of XXXX XXXX XXXX  # XXXX to be inaccurate and removed the item on XX/XX/2018. XXXX XXXX XXXX # XXXX was removed during their investigations as well. I provided and disputed mulitple times with both Exeperian and XXXX asking for the proof of what documents they are using to verify the information on these accounts and to provide such proof to me otherwise these accounts MUST be deleted. Neither complied therefore resulting in 2 plus years of bad reporting affecting my credit. I asked for Method of verification and it was not provided. There is multiple violations of my rights as of guidlines of the FCRA credit reporting act. 

Please see attach proof of deletion from XXXX  and disputes, complaints, and credit reports from Experian and 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 2020-09-10
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2018-10-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
CHASE has put a hold on my check and has not given specifics - regarding how long a hold remains on a check AFTER the funds clear?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is in response to your recent claim regarding a closed account # XXXX, which you claim I owe {$5700.00}. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: EQUIFAX, INC.
State: AZ
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: Was not notified of investigation status or results

Complaint:
there are several collections that don't belong to me and late payments that are not factual there is a XXXX doc attached that details each item in question that I tried verifying 2 months ago and called to follow up but the said they never received my disputes. I feel like I have been lied to

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: Seterus, Inc.
State: PR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I am a Puerto Rico resident trying to receive an important information needed by XXXX XXXX XXXX  XXXX XXXX XXXX, in XXXX XXXX, in order to receive my payment taxes reimbursement. The form No. XXXX, has an incorrect information in the elecronic filing confirmation Number. 

I had contact the company many times requesting this important information with no positive response. I also sent a letter dated XX/XX/2018, but as today, no action has been taken to process my 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 2019-01-08
Company: BB&T CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I paid off My XXXX XXXX XXXX last with regional acceptance corporation. So my account should said paid in full not repo

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 2018-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 received a call from XXXX and XXXX stating i owe money from XX/XX/XXXX. and that they send me a letter but i never received any such letter, so what are my option am over sea in the military and i cant take care of this matter.

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 2021-11-04
Company: WELLS FARGO & COMPANY
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: Investigation took more than 30 days

Complaint:
The attached documents show WF failed to live up to the terms of the MPN for my Private Student Loans they acquired from Wachovia.

1. WF XX/XX/XXXX response to CFPB ( page 17 of doc ) explains the loans were in deferment XX/XX/XXXX- XX/XX/XXXX and as such " they did not provide statements. '' Page 14 of the attached doc ( p. 4/6 of MPN ) clearly states repayment conditions. Among these are : 1 ) I may, but am NOT required to make payments during deferment/forbearance periods, 2 ) WF was to have supplied statements during the deferment period to keep me abreast of interest accrual and outstanding balances ; 2. WF XX/XX/XXXX states XXXX and XXXX subgroups were in a disaster forbearance that was retroactively applied from XX/XX/XXXX thru XX/XX/XXXX. Therefore no derogatory history should report period ; 3. WF erroneously charged off an account that had been in forbearance and/or deferment BEFORE the due date for the statement generated XX/XX/XXXX ( see p. 23 - 24 ) Thus, WF improperly billed and reported inaccurate payment history to the CRAs and violated terms of the MPN because WF failed to deliver statements during the deferment and/or forbearance period ( s ). These types of violations are consistent with the haphazard processes that led the CFPB to issue consent order 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 2020-07-09
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
We desperately need to have our credit freeze lifted in order for a bank to give us a loan. 

We have tried NUMEROUS times to contact you. On XX/XX/XXXX we had gone on line to have the freeze lifted until XX/XX/XXXX. Thinking all was well, we found out it was never done. 

We tried again on XX/XX/XXXX. We could not get through via phone. An automated system came in. There was no way of connecting with a human. We wrote via email and pressed submit, only to have the same page come up. We tried to submit over and over again, but to no avail. 

PLEASE help us as we need to lift this freeze. It is imperative that this is done. 

I would rather not put my PIN number on this email for obvious reasons. I can be contacted at XXXX, XXXX, XXXX Thank you in advance for helping us with this extremely frustrating issue!! 

XXXX XXXX. 

Sent from my 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 2022-05-04
Company: EQUIFAX, INC.
State: OH
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation