BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2022, I spoke with the Fraud Department of Bank of America who confirmed that a someone had used my name to apply for a credit card. Bank of America had approved the card ending in number XXXX. 

I then spoke with XXXX from the credit application department who assured me the credit card had been cancelled. Case # XXXX. 

Note : I spent more than 5 hours on hold dealing with the above departments. 

On XX/XX/2022, I received a letter stating that I've been approved for a Bank of America credit card ending in XXXX and should be receiving the card within two weeks. The letter said to " please call us 24/7 at XXXX '' if you have any questions. When I tried I got a message stating to call back when they are open.

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 2020-06-01
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account Name : SYNCBXXXX, Account # : XXXX, Account Name : XXXX XXXX Account # : 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 2020-08-25
Company: Experian Information Solutions Inc.
State: WA
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:
It is over a month and a haft that I make a request to fix my credit report with the bureaus. and I have no response from them. There is a inaccurate information on my credit report that not mine. I believed with the 30 days Rule they have to fix my problem that I request. 

Please see the attachments below

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 2018-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Problem with personal statement of dispute

Complaint:
I wrote Transunion informing that I did not sign any documents on any hard inquiries on my credit report. Transunion wrote back and said to stay off the internet and it will stop. No investigation are anything. Poor customer service

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 2020-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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 recently checked my credit report and notice unauthorized inquiries from capital one auto finance and XXXX. I recently applied for a credit card with capital one and got approved but I didnt apply for an auto loan or go to any dealer so Im sure this is fraud activity. I called the company and they said they would get back to me in 24 hours and its been 3 days. I want these inquiries removed from my report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Deutsche Bank
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
1. On XX/XX/XXXX, we XXXX XXXX XXXX from XXXX invested in XXXX XXXX, XXXX in New Jersey, USA. 

2. In XX/XX/XXXX, XXXX XXXX XXXX XXXX was acquired. We XXXX XXXX  transferred shares to the new buyer. XXXX XXXX XXXX XXXX appointed XXXX XXXX XXXX XXXX XXXX to transact mergers and shares affairs. At that time, DB temporarily withheld an amount of money from all the investors for escrow use, and if there is any left, it will be refunded to the investor time by time. ( For example, to pay taxes ) 3. In XX/XX/XXXX, another XXXX shareholder of XXXX XXXX informed us that DB erroneously withheld 30 % of the tax for overseas shareholders. The nature of this amount is the capital principal and should not be withheld. We immediately asked DB about this. 

4. DB answered that because the W-8BEN form we gave before was expired, they withheld 30 % of the tax directly, but DBs statement has problems : a. The nature of the amount incorrectly withheld in XXXX XXXX is " Investment Principle '' and not capital gain, so it should not be withheld. This is not related to the W-8ben form. In fact, DB made a tax error to cause investors losses, but DB has been reluctant to actively fix this error. 

b. DB said that they had notified overseas shareholders to update the valid W-8BEN form, but we never receive the notice. Another oversea shareholder also told us that they never received the notification, and they also think that DB should be responsible for this. 

c. We asked DB to provide the notified records to us, such as e-mail, etc., but DB has never provided it. We began to question whether DB 's answer was true.

5. DB Services America , Inc. is still unwilling to take responsibility for these overseas investors, which has affected the willingness of overseas investors to invest in the United States in the future. 

6. The complainants this time are 4 XXXX XXXX companies, and the total amount of wrongful withholding tax is XXXX {$180000.00}. We believe that DB Services Americas, Inc. should be held responsible for their mistakes and compensate us for our losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
LOAN CARE XX/XX/XXXX sent to me on a new loan account XXXX with at top right loan # XXXX and # XXXX then added XXXX in front of that # XXXX from XX/XX/XXXX to XX/XX/XXXX i made payments on the 5 th of months XX/XX/XXXX to XX/XX/XXXX never late XX/XX/XXXX to XX/XX/XXXX when i saw the XX/XX/XXXX payment sent back in mmy account as a loan care refund XX/XX/XXXX .I tried all of the numbers no one could give me any answers.I called the corporate office ( attached is my phone bill ) stayed on hold twice XXXX minutes 2nd time XXXX minutes. After many transfers i was able to get their reason.See the loan care notes from the file i insisted on.They claimed they sent letter to have me send payments to a different address.I was not at home in XXXX OR XXXX until i did receive a notice of default I had set up my bank acct bill pay automatic.When the refund came in i was in shock.Not even a phone call.I made another payment after XXXX PAYMENT XXXX POSTED OK XXXX XXXX XXXX I SET UP A BILL PAY FROM MY ACCT AT SAME BANK WITH DIFFERENT BANK ACCOUNT NUMBER to be just for this payment ..somehow i did it so it was making double payment..Finally after so many calls the new servicer XXXX XXXX XXXX FINALLY IN XX/XX/XXXX gave me a correct loan # and where to pay .DOUBLE PAYMENTS FROM LOAN CARE 20 days after the double payments redeposited into my account..Loan care should have forwarded payment then send me a letter.NEVER HAPPENED THAT WAY. I ALSO RECEIVED from Loan care a letter claiming i had no insurance for my CONDOMINIUM TELLING ME HOW EXPENSIVE IT WOULD BE.Again hours on the phone.They had a binder from my agent in escrow that closed XX/XX/XXXX with the TRUE INFORMATION THIS IS NO CONDO I HAVE HAD SAME INSURANCE COMPANY SINCE XXXX .Been owner sice XXXX .Single family residential fourplex .conforming in a neighborhood of the same kind or property. LOAN CARE REFUSED TO SEND ME CORRECTED TAX INFO WITH THE THREE PAYMENTS MADE IN XXXX. I have a copy to put with this.Showing proof of all that i just said .Loan care refused to give me any of my information .Loan Care refused to correct the transfer of payments or correct the tax mortgage % statement.Loan Care i just ran my credit which is NO LATE PAYMENTS ANYWHERE ON MY CREDIT loan care put three late payment XXXX 1 in XX/XX/XXXX when i was paying double because of the wrong information and four different loan numbers all for XXXX XXXX .Loan Care does this to make it look like you are behind in payments ..Refuse to fix the errors they make.

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 2021-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
In XX/XX/XXXX, I requested reversal of fraudulent charges with Capital One on my credit card. They were reversed, and I requested a new credit card with a new number. Capital One has changed my account number, but has continued to let charges through on the old number. Also, THey have refused to issue a new card in my name. I asked them to close the account today, XX/XX/XXXX, and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: EQUIFAX, INC.
State: AR
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX has reported my account as a Charge Off ( AGAIN ) since I filed my complaint on them XX/XX/2021. The dispute and investigation is ongoing right now. I received a credit alert from XXXX XXXX XXXX Equifax indicating XXXX has sent charge off information again to them. In my existing complaint, this is one of my complaints that they are sending erroneous and inaccurate information to the credit bureaus as well as, harassing me for payments. Additionally, XXXX is reporting this information back to back each month. I thought credit reporting was reported once a month, however all there credit bureaus are allowing XXXX to report information 2 to 3 times each month, one day after the other. For example, XXXX reported Past Due 120 days on XX/XX/2021 and as a Charge Off on XX/XX/2021 BUT they had already reported this very same information on XX/XX/2021???? This is illegal according to FDCPA rules. In addition, XXXX has received monies from my insurance company, warranty and me to pay this vehicle off. I have reported this information to Attorney General 's XXXX in the state of Arkansas as well and do indeed intend on suing XXXX for their rogue and illegal actions. I have tried to submit a dispute with all 2 credit bureaus concerning this issue in the past and on today ; and I can not. Their system states, I have already disputed this item, several months ago ... and the submission to dispute continually fails to upload- again ruining my credit. This very issue- is an open investigation CFPB XXXX # XXXX. I am sending a copy of this complaint to all XXXX credit bureaus and officially filing a complaint against them today as well for their actions of denying me submission to dispute this matter. Due to this deliberate attempt on XXXX 's behalf my beacon points decreased by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I spoke to hyundai finance  and they told me they dont see any late payments on my account and to call the credit dispute and to tell them theres no late payments on the account. I asked hyundai if theres anything they can do on their end and they said I have to call the credit dispute. So I called the credit dispute and filed a claim only for it to be rejected. Im asking for you to please remove the late payment shown around XX/XX/2018 from Hyundai motor finance as its completely inaccurate and severely damaging my credit. 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 2018-07-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have a student account with Bank of America. I attend XXXX in XXXX and had requested that Bank of America not let debit transactions to post to my account if the funds are not in the account. We'll, they allowed a {$2.00} charge on my debit card to hit my account and they charged me {$80.00} in fees for this one transaction. I am a broke college XXXX and they have charged me over over {$100.00} " overdraft '' fees this year! I am closing my account with them and feel they are excessive in fees, more than is allowed!

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 2020-12-03
Company: FIRST PORTFOLIO SERVICING INC
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
# 1. I declared chapter XXXX bankruptcy in XX/XX/XXXX and was granted bankruptcy by the court in XX/XX/XXXX. My private student loans for Peaks Private Loans were included in that bankruptcy. Peaks loans was notified by me of my bankruptcy and I'm sure the court as well. 

# 2. In XX/XX/XXXX, after receiving phone calls from Peaks, I informed my attorney, who contacted Peaks on my behalf to end their phone calls. It worked, at least temporary. 

# 3. I attended XXXX XXXX XXXX from XXXX to XXXX, graduating in XX/XX/XXXX. Even if my loans with Peaks were not wiped clean as part of my bankruptcy, in XXXX of XXXX the CFPB, 48 states and the District of Columbia ordered Peaks to " stop collection on and cancel all outstanding loans it owns relating to XXXX ; and request that the credit reporting bureaus delete all PEAKS entries '' ... 

Well they have not done either. I've already contacted my attorney again, but I'd like to file a formal complaint. These people have been harassing me for too long.

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 2017-08-01
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have tried for the last 4 years to get my XXXX credit report from XXXX  and it never works, while XXXX and Equifax work every time. I tried again several times after receiving my other 2, and once I enter my name and address info XXXX ( again ) fails with this message : A condition exists that prevents XXXX from being able to accept your request at this time. To obtain your XXXX annual credit report, please mail your request to the address below using the XXXX XXXX XXXX Request form. XXXX XXXX XXXX Request Service XXXX. XXXX XXXX XXXX, GA XXXX I see this message in complaints all over the Internet. My information is not wrong - it works consistently with the other 2 bureaus. Equifax has had complaints online dating back to the beginning of the requirement for this site. I would like to know why they are able to avoid the law while the other 2 bureaus are playing fairly? I should not have to mail sensitive info to receive my report when this site was specifically set up to do this for me securely. I have even tried variations on abbreviations in my address, tried my old address without my new one ( lived here 1 yr ), tried just my new address, and with/without my middle initial. Someone needs to force them to be compliant ( XXXX ) and make them fix their code. Forcing people to mail them usually means people will either skip them ( saving XXXX time ), or actually go to XXXX or one of the scam sites and pay for what the government says is a mandated 1 per year free report. At best, people lose money for something that is free, at worst they get confused by all the scam credit reporting sites and get conned into paying a lot of money for their " free '' report. Please make them play nicely as they are required to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29
Company: JPMORGAN CHASE & CO.
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:
I have previously filed a complaint with CFPB, XXXX and with Chase. They told CFPB that they refused my fraud claim due to similar IP address although I just called and tey told me over the phone that they refused my dispute due to the fact I was able to login and access my account and because I made payments on the account which is not the same reason they gave CFPB. 

It is obvious that Chase is trying to use tactics to instead abuse their clients rather than adhere to the laws and benefit their customers in a clear fraudulent case. I will be attaching the voice recording to this complaint. 

It seems that Chase is blatantly trying to avoid being held responsible for their lack of security and trying to place the down fall of it on their customers rather than protecting them. 

I hope that CFPB takes this serious and helps to keep the consumer protected. 

PS : It says I can not upload documents over 10 mb and my audio recording is over 10mb. 

I can send this via email if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: Trident Asset Management, L.L.C.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disputed an item that was falsely added by this creditor. On my credit file, they claimed I owed {$290.00}. On XX/XX/18 I sent my first letter, this letter was received by them via certified mail on XX/XX/18, After 30 days passed, this company sent me a letter dated XXXX.18 that looks like a bill, this bill didn't reflect any contract or my signature stating that I have any kind of agreement with this company or its alleged client. I sent them a 2nd letter on XX/XX/18 disputing the derogatory they have, this letter was received via certified mail by them on XX/XX/2018, this company had no response to my 2nd letter and furthermore, they continue to report this false item on my credit profile to all 3 bureaus. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. Again, a print out of a bill is not valid, I need the actual contract from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
For the past 5 months I am disputing a several collections items from my credit report from the same company and never got any validation from the collections agency plus they are adding fees each month for a medical bill, they even reporting all the accounts as past due ( violation of fdcpa )

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 2018-03-08
Company: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In reference to an outstanding complaint, Chase called me at work and stated that in order to share information with the 3rd party given as an authorized contact for the complaint, they would need to send paperwork to me and I would have to send it back. I suggested do not delay their response and instead respond only to me. They filed a misleading response that they could not verify authorization. 
The company can not respond because of an unauthorized third party. 

XX/XX/2018 **Hello, Thank you again for your complaint XXXX about JPMORGAN CHASE & CO.XXXX 
We reviewed the complaint you submitted and sent it to the company for a response. The company has let us know that it cant respond to this complaint as it lists an unauthorized third party. ** Not only did I verify the authorized party over the phone, but my electronically signed complaint form that CFPB provided contained the authorization they claim they do not have. Chase has provided no recourse, and is using this duplicitous argument to delay responding to my complaint. I have received no request for further authorization in writing, and so can not provide proof of the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Again Freedom Mortgage is not and has not complied with FHA guidelines on my mortgage. Ive been complaining to CFBP and sending monthly loss mitigation pkgs back and forth and every answer from Freedom Mortgage is the same.no matter what my financial loss is Freedom Mortgage wants the same information. The last phone call from Freedom Mortgage was an agent telling me she needs to verify I gave a bank account or not, so I called XXXX XXXX and hit the checking account verified that I dont have an active checking account account with XXXX XXXXXXXX. Im including all parties information for that call and the last letter in response from Freedom Mortgage for my loss mitigation application. SEE UPLOADED DOCS.

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