BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
I got my income tax return check. A cashiers check. I deposited into my chase checking account and they informed me that they were holding it for ten days due to information from the issuing bank OR information that they have on me. 
I called the bank and they referred me to another person who could not tell me WHY they were holding my check for so long. I wasnt. A new customer. I had had my account for several months already. All they could tell me was that the system has put a hold on my funds and because the system automatically put the hood even the president of the bank cant over ride it. They couldnt tell my WHY. They claimed that the system automatically selects random checks to put on hold. I cried on the phone to them asking to just release a portion. Its a tax return check. They lied and told me that the issuing bank told them that the funds would not be available until the 13 ( 10 days away ). The issuing bank told them this is what they claimed to me. So I called the issuing bank and went through the check verification process and their process deemed my check valid and good. Then I called back and got a hold of a human and inquired about whether they said that they told chase bank the funds would not be available. Their statement to me was it is illegal to issue a check and not have the available funds, we do not operate like that. I am afraid your bank isnt being up front with you, I would suggest you speak with them and ask to speak to a supervisor. So I called Chase bank back and told them what the bank had said to me regarding writing a check with out funds. They didnt know what to say. All they said to me was that they cant do anything that I have to wait for the check to clear for 10 days. No resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Experian Information Solutions Inc.
State: MD
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 believe the year was XXXX XXXX XXXX accounts have been reported as fraud and they refuse to take them off. 

XXXX XXXX has butchered my score by at least 80 points over the past 3 years by reporting me as 30 and 60 days late in XXXX. 
The credit reporting agencies refuse to remove it. I have proof of payment directly from my account to credit card account.

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 2022-09-06
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/22 I made a {$15.00} payment to American Express from my options credit union account. Unbeknownst to me, the credit union had transferred money out of my account without my permission to a credit card opened with the credit union in violation of regulation z. This caused the payment to return as nsf. The following day I contacted the credit union and had the illegal transfer reversed. Despite this, Amex has charged me an nsf fee. Due to the credit unions illegal activity, I removed the funds from the account and contacted Amex to stop the payment. They refused and resubmitted the payment request 2 additional times, despite my request to not submit it again due to my ongoing issues with the bank. In the meantime, a hold on my credit union account for {$50.00} dropped and allowed the payment to go thru. Despite this, Amex charged an nsf fee of {$29.00}, almost twice the payment amount. When I requested they refund the fee due to the nature of the activity, they stated the can not refund the fee. This was patently false, as after asking additional questions it became clear that they could refund the fee but did not. It is apparent that this misinformation was given to me to prevent me from pursing a refund of the fee, a source of considerable revenue for Amex. Eventually Amex confirmed that they were able to refund the fee but were refusing to. I have never had a late payment on the account and this was the first time an nsf transaction has occurred, for reasons outside of my control. These practices are deceptive and abusive toward consumers, and are clearly part of a policy targeted at consumers who have issues with nsf. Im addition to the above, Amex also freezes the available credit in this circumstances for 7 days, but does not provide any warning or information regarding the freeze. The account shows available funds and no indication the hold is on place both on their online portal and on their dial-in system. There are no pending purchases on the account that would warrant freezing access to the credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has misled you also. If you look the fraud affidavit submitted, you can clearly see it has Synchrony/G.E. They are a collection company for Synchrony, and they told a bold face lie. This is the same company that XXXX  slurs to me. This is the same company that caused me to lose my V.A. Loan. They are liars.That account is fraudulent! XXXX XXXX XXXX is attacking me with vengeance, and revenge against me for threatening to file a complaint and letting other consumers know about their duplicitous business practice. This is unacceptable and unenforceable, and this is an unscrupulous attempt by XXXX XXXX XXXX against me. They are disturbed at me. They are only worrying about saving their brand, and not helping the consumer. My Social Security number, birth date, address, driver 's license information is in the hands of criminals, or by XXXX XXXX XXXX employees, this must be an inside job. This is precisely the category of data criminals can use to mimic victims to banks, credit card companies, insurance companies, and other businesses defenseless to deception. XXXX XXXX XXXX retaliated against me for saying I will file a complaint against them through the C.F.P.B. This retribution came instant within days after I mention it. As a Veteran who fought for his country, and a XXXX XXXX XXXX Member. They dont care who they XXXX over to save their brand. I learned this the hard way after they were XXXX  on destroying my credit so I can not get my V. A. loan They are creating havoc in my life. XXXX XXXX XXXX has a strong dislike toward Veterans. They are strongly aware that nothing will happen to them since they believe they are too big to fail. Sen. XXXX, please prove them wrong. Please help this Veteran and this XXXX XXXX XXXX member. Please?

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 2017-08-31
Company: Experian Information Solutions Inc.
State: WV
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 have several discrepancies on my credit report that I have reported to the credit bureau. The credit bureaus have my name as XXXX XXXX XXXX and is incorrect. I have a collections that I disputed for XXXX and they do not have it listed as disputed and nor was it removed from my report. XXXX XXXX XXXX and XXXX XXXX is the same account and I have disputed that with the bureau as duplicated and nothing was done.Also, the amount is incorrect. XXXX XXXX is reporting something that was paid in XXXX and showing as a XXXX balance. West Virginia Statute of Limitations on Debt Collection is  XXXX years. W. Va. Code 55-2-6 ( 1923 ). I have a collection XXXX XXXX for {$80.00} that is over XXXX years on my file that is incorrect. I have disputed the record and it was not taken off.

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 2018-04-16
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company had contacted my daughter in laws father as well as the assistant human resource director at my place of employment. I called the number they had left and spoke to a XXXX XXXX XXXX. She stated that there was a civil suit filed against me for a credit card that was taken out in XX/XX/XXXX and that had been charged off and closed in XX/XX/XXXX. Although I had never received anything by mail she stated in order to keep it from going to court I would need to settle on a payment of XXXX that would need paid this month and said she would need to credit card information then and there to keep it from going to court. Feeling pressured to keep it out of court and avoid court fees I agreed and gave my information. After thinking more clearly about it I called and asked if they could send me a copy of the civil complaint. I was transferred to a gentleman by the name of XXXX. I asked for his last name and he refused to give it to me saying he was not obligated to do so. He stated that he could not send me the civil complaint and said that because of the questions I was asking that he felt like I was being coached on what to ask He then stated he would revoke our payment arrangement and would no longer accept it and would just see me in court. He became very rude and hostile and hung up. I called back asking for his last name and again questioned why he would not send me information the the charges. He then hung up again. I called my bank and cancelled my card. The company name was the XXXX XXXX. I am questioning the legitimacy of this company and the call.

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 2023-04-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX Date opened XX/XX/2017 Balance {$940000.00}

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 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights for the amount of {$950.00}. 

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 : also states a consumer reporting agency can not furnish a account without my written instruction to do so.

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 2023-04-13
Company: NCB Management Services Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive tried contacting XXXX and they told me to submit my documents and I did numerous of time. I truly believe XXXX has no respect for the CFPB they disregard my emails and my faxes, every time I call they tell me that they did not receive it, so maybe I have to fax it again, I told the Rep that I faxed it numerous of times, what's the hold up. she then put me on hold and came back XXXX minutes later, stating they received my Id but nothing else. Therefore she said call back and see if anything came in I called back XXXX hours later I got a different representative I stated my case, and she put me on hold for about XXXX minutes and came back and said that I did not have any faxes at all, so I said the other rep told me that they got my Id, now you're telling me that you don't see nothing, and she said no try back tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Berlin-Wheeler, Inc. (Kansas)
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 

I have not supplied proof under the doctoring of the estoppel by XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt in fact exists.

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 2023-08-11
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Convergent Outsourcing account : # XXXX XXXX  account # : XXXX XX/XX/XXXX To Whom It May Concern, This reply is in response to Convergent Outsourcing letter dated XX/XX/XXXX, which I received from your office. As a result of my investigation, I am replying with the following information : I sent the first debt validation letter to Convergent Outsourcing Inc., XX/XX/XXXX. The next debt validation letter was sent on XX/XX/XXXX, I sent a debt validation letter to Convergent Outsourcing requesting additional information. I sent a third debt validation letter on XX/XX/XXXX. Convergent Outsourcing did not respond to any of the requests sent. On XX/XX/XXXX, I received a letter from Convergent Outsourcing requesting I submit a fraud claim for the account in question. I do not have a contract with Convergent Outsourcing and will not be providing my drivers license, social security number and/or any personal information. This is a stall tactic and again, Convergent Outsourcing has had more than 3 months to provide the required debt validation information under the Consumer Protection Act. Therefore, the debt Convergent Outsourcing is attempting to collect must be removed from my credit file immediately. In addition, XXXX confirmed XXXX did not release the debt from them until XX/XX/XXXX. By law, ( 3 ) companies, XXXX, XXXX and Convergent Outsourcing can not collect on the same debt, at the same time. Convergent Outsourcing has failed to provide a signed contract by me, nor have they completed the required by law, debt validation I have requested on XX/XX/XXXX. 

Please remove this account from my credit report effective immediately. 

Respectfully, 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 explanation
Consumer complaint received 2022-09-06
Company: Santander Consumer USA Holdings Inc.
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2022 I decided a voluntary repossession would better suit my situation, and on XX/XX/2022 the car was sold at auction - the Fair Market Value of the car was greater than the sold amount and so they applied the XXXX to the balance. I received a deficiency notice in XX/XX/2022, and that said my balance was {$2200.00}. On XX/XX/2022, I settled with Santander Consumer USA for {$580.00} and we agreed to 3 payments between XXXX, XXXX and XXXX. I made my payment on XX/XX/XXXX and I found out they applied the payment to interest - but they put my account as charged off ; a charged off account can not accrue interest. My credit reports show a balance of {$1200.00}, my online portal with Santander shows a balance of {$730.00}, and the settlement letter from Santander shows a balance of {$1400.00}. I refuse to continue to pay towards a settlement when they refuse to report correct balances, lie to me every time I inquire of these discrepancies over the phone, and put my payments towards interest that shouldnt exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The account is not being reported correctly on my credit report. The account number, date opened, payment terms, date last reported, date of last activity, date of last payment, and payment history are different across both credit bureaus. I have written the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report or deleted. I have not received a response from the credit bureaus. Isn't it true legislation passed during the pandemic requires XXXX to remove all late payments from 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 2023-06-24
Company: Experian Information Solutions 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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, inaccurate, and questionable items that the credit agencies didn't make sure it was reporting 100 % correctly The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my 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 2022-09-06
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Homeowner XXXX XXXX submitted a loan modification application to her servicer, M & T Bank, on XX/XX/22. She received a letter dated XX/XX/22 from M & T stating that her application had been deemed complete as of XX/XX/22. On XX/XX/22, she received a letter from M & T stating, " While we have reviewed all the documents and information that you have submitted, we are still in the process of obtaining third-party information that is necessary for us to make a determination on your application. '' The letter specified that the required information was " Investor Approval [ and ] MI Approval. '' As of today, more than six weeks later, M & T says that the application is " still in underwriting. '' As the application was deemed complete more than two months ago, M & T is not in compliance with 12 CFR 1024.41 ( c ) ( 1 ), which requires the servicer to review and render a determination on a complete modification application within 30 days. XXXX XXXX ( who suffered a COVID hardship and was extended a COVID forbearance, but whose income has resumed ) is very able to afford to pay her mortgage once the arrears are capitalized and the term is extended, as her complete modification application with its supporting documentation demonstrates..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
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:
I received the response from XXXX XXXX XXXX through the CFPB portal. XXXX XXXX XXXX  mentioned that I have disputed this previously in an attempt to discredit my claim, which is unfortunate. When researching XXXX XXXX XXXX it appears they operate out of a trailer in a rural town in Tennessee. When reading the reviews of XXXX XXXX XXXX online it appears this attempted intimidation tactic to discredit claims on small debts is a wide spread problem for this small company that should be addressed.

When researching this company I attempted to locate their license to practice debt collection in the state of Tennessee but was unable to locate the record. When searching for their license I searched for the business name, XXXX XXXX and XXXX XXXX.

I searched for their business license and what I found continued the record of disturbing information about this company. It appears XXXX XXXX XXXX  lost their license to practice business in the state of Tennessee on XX/XX/XXXX and continued to do business, illegally, until they applied for reinstatement on XX/XX/XXXX. I used complaint dates filed against the company to determine the likelihood that they continued to operate without a license during the lapse.

This company is attempting to collect a debt for a utility at a home I never resided in, owned, leased or rented. Property records show I never owned or had any interest in this property, this address is not located on any of my credit files or reports and I was not even living in the state where this account was opened when this account was opened. I understand that this small company has some big issues, but since I have now been advised to submit this information directly to the credit bureaus and cut XXXX XXXX XXXX out of the discussion I wanted to provide this update to the parties involved so we all get a good idea of they type of company we are dealing with, which is exactly why the CFPB had to be established. I will include XXXX XXXX on this dispute so they receive an official copy.

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