BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On or about XX/XX/2021, to JP Morgan Chase & Co. credit, notified me via text of a potential fraudulent charge ( see attached text messages ). The text prompted me to respond Yes if it was a legitimate charge or No if it was not legitimate. I responded No and received a message thanking me and advising that my card was closed and I would receiving a replacement card. In spite of having notified JP Morgan that the charge was fraudulent, JP Morgan proceeded to allow additional similar ( almost identical ) charges to the point my account was left with no funds. 

The response from JP Morgans fraud department to my claim was very generic. Essentially stating that I authorized the charges. Based on the CFPBs XX/XX/2021, updated guidance, unauthorized efts include those transactions resulting from consumers being fraudulently induced into knowingly providing account access to bad actors. I was a victim in this case. 

After the initial response, an attorney agreed to write a demand letter free of charge, as I can not afford a retainer to recover funds that are less than a retainer. The response in response to the demand letter now states that the bank emailed me and that I supposedly authorized the charges via email. I have no emails, this was done by text message.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
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: Was not notified of investigation status or results

Complaint:
TRANSUNION XXXX XXXX 2 COLLECTIONS AND 6 CHARGE OFFS! 
THE ACCOUNTS HAVE BEEN SOLD TO DEBT. COLLECTION AGENCIES. 
*THE COMPANIES AGENT REPORTING VERIFIED ACCOUNT INFORMATION WHEN DISPUTED AND CHOOSE TO KEEP THE REMARKS ON REPORT. 

XXXX-DISPUTE REQUESTED- TRANSUNION/XXXX/XXXX REQUESTING : VERIFICATION OF DEBT. REQUESTING PAYMENT HISTORY AND REMOVAL OF ACCOUNTS DUE TO INACCURATE CREDIT REPORTING REGARDING SETTLEMENTS/PAYMENTS/DELETIONS. 

2 COLLECTIONS : Opened XX/XX/XXXX, XXXX {$2100.00} Opened XX/XX/XXXX, XXXX {$2400.00} 6 DELINQUENT CHARGED OFF ACCOUNTS -XXXX -XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE ASSIST IN THIS URGENT 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 2017-07-27
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I would like a proper, truthful response to my statements, not false claims. Since US Bank has not properly responded, and continues to not respond, I am restating my issue. Please see attached documents and refer to statements therein.
A key point is : The 'VBO ' or 'Virtual Banking Operations ' signature card request that US Bank claimed they asked for and needed was neither asked for nor apparently was needed. My account, which they stated beforehand was open and functioning, only needed my verbal request to actually become active to remove on XXXX/XXXX/2016 ( see my letter ). This is in direct contradiction to their statement that I still needed a signature card on XXXX/XXXX/2016 ( see US Bank 's response letter ).

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 2022-02-02
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I booked a trip through a solo traveling group, XXXX for XXXX of 2020. I paid {$3100.00} to XXXX through my PNC bank. The company cancelled the trip due to COVID and offered no refund but only credit for future travel. I reached out several times with no response but when I finally reached a refund department, I was told they filed bankruptcy and were unable to provide a refund but did provide me with steps to contact my bank ( PNC ) to dispute the payment because according to the Fair Credit Billing Act, I have the right to claim a refund when the service was not received due to company bankruptcy. 

I gathered my emails, credit notes, booking receipts, and email from XXXX who is representing XXXX who now is under new ownership and still running solo trips... weird. 

I filed a claim to PNC bank and was denied. They are not willing to work with me, refund the money, and redirect me to anyone who can help me. 

I am willing to share any additional information you may need and am appreciative for any guidance, suggestions, or at least to document this for others to see so that no one else has to go through this same situation with XXXX or PNC bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by Chase/XXXX XXXX of a fraudulent application submitted with his information without his consent. A current XXXX and XXXX credit report shows the Chase Card/XXXX inquiries reported XX/XX/XXXX ; XX/XX/XXXX and again XX/XX/XXXX ; formal disputes of these inquires were submitted to Chase XX/XX/XXXX and again XX/XX/XXXX however Chase has not replied to my client which is a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02
Company: Resurgent Capital Services L.P.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I reported XXXX to the FTC and my debt was cleared and my membership cancelled. XXXX made unauthorized checking account withdrawals. The account ended in XX/XX/2019. Ive responded to the collectors as well as XXXX. XXXX agrees I do not owe. Collectors are still harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Bank of America has an account service called goals. You are able to transfer money from your checking or savings account into this account in order to save money for a desired goal. I transferred {$300.00} into that account and {$45.00} went missing. I called Bank of America to inquire about the missing funds and the representative told me that they had moved my money somewhere and it is no longer available. I asked the Bank of America associate to release my funds and they would not do so. I also asked to speak to a supervisor and one was not provided for me.

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 2022-02-02
Company: ALLY FINANCIAL INC.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have done my due diligence to send a notice to ALLY FINANCIAL of violations to my consumer rights. I sent a notice certified mail, green return receipt to the registered agent which is XXXX XXXX XXXX. The notice was received on XX/XX/2022 ( Exhibit A ). In that notice ( Exhibit B and C ) it exclaims that my consumer rights have been violated pursuant to but not limited to the TRUTH IN LENDING ACT ( 15 usc 1601 ) ( 12 CFR 1026 ). Along with my claim, as a consumer I demanded ALLY FINANCIAL to cease all communication to third parties and not to report negative information to any credit reporting agencies. Today XX/XX/2022 I received a notification from the credit reporting agencies XXXX and XXXX of a negative report from ALLY FINANCIAL ( Exhibit D ). They have now willfully violated my demands as a federally protected consumer. I have also demanded documentation to verify that I in fact owe the alleged debt ( Exhibit B ). Knowing that I have been taken advantage of financially and emotionally and completely mislead has taken a toll on my mental health, my physical health, my relationship with my partner and my family. ALLY FINANCIAL has also restricted my account to where I am not even able to contact them through the email portal on the website. ( Exhibit E )

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 2022-02-02
Company: HW Holding, Inc
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
From XXXX XXXX XXXX 2021 my girlfriend and I rented an apartment from the company XXXX XXXX  XXXX which represented our landlord XXXX. On that final week of XXXX we asked our landlord and property manager if that we could have an extra week to move our stuff out. They said yes. At the time there was no mention of a charge for staying an extra week, considering that we had paid first and last months rent + security deposit. A month later our old property manageXXXX XXXX called us and demanded we pay him XXXX $ for staying the extra week. At this point we had already long since moved out. It was not agreed upon at the time and certaintly not in our lease agreement, so we saw this as a fraudulent charge. We contacted our landlord, XXXX and he said had no knowledge of this charge. He expressed that we did not owe that to him over text messages which I have saved. The property manager representing XXXX XXXX XXXX management then changed his story and told us he " had no record for rent being paid in XXXX ''. We sent the receipt for XXXX, and pointed out in our lease we had already paid the first and last month 's rent plus security deposit. We were always on time with our rent payments, and recieved our security deposit back in XXXX minus XXXX dollars. We recieved a check for XXXX of the remaining deposit. We thought this was closed issue. In XXXX the property company threatened to send us to collections for this supposed charge. We once again sent them our receipts and expressed that this charge had never been agreed upon, and was an extortion attempt. Yesterday we received a call from XXXX XXXX trying to collect this alleged XXXX XXXX Our old landlord XXXX once again put in writing that we do not owe this to him. This is a fraudulent charge and I left them a message asking for debt verification. We have all of the written proof that our rent was paid in full for the 9 months we were at our old apartment and would like to dispute this fraudulent charge. Once again, XXXX $ was taken from our security deposit. At the time we assumed they were taking this as a charge for the week over our lease. But now here we are, with no agreement, no mention of money until a month after the fact, and a bill from some random collection company, over a charge that was made by a company who hadn't represented us or our property in over a month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 have several inquiries on my consumer report as a result of identity theft. I brought this to the companies attention and these inquiries are still on my consumer report, causing me great financial distress. My proof identity is attached below with my Social security card. These inquiries are as follows : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX. These inquiries pertain to XXXX AND TRANSUNION.

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 2018-01-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I honestly dont think i was the only one affected. Notice its NOT + {$9.00}, its a debit of {$9.00} Wells fargo basically LOST {$9.00} of mine in my CROWN checking account & can not give an answer as to its whereabouts! This has been happening in my bank & im busy just like everyone & have no time to moniter a bank whos reputation is infraction after infraction of fraud. 


Last night at XXXX i deposited a {$100.00} bill in wells fargo crown checking to cover my reacuring mortgage with them of {$1000.00}. 
& That {$100.00} bill deposited shows as pending, yet its cash, its there in the balance. Still WHY pending? 

But below is the main problem.. 

& second my balance before the {$100.00} deposit was. {$1000.00} & after the {$100.00} bill deposit, the balance showed {$1100.00} on the ATM & on the email receipt i received. 

Now this am my crown balance is {$1000.00}?? 

Thats {$9.00} missing & i see no evidence of the {$9.00}. Not in the wells fargo app, not in wells fargo online, no where. 

I just closed the phone after calling wells fargo & they have NO CLUE where my {$9.00} & XXXX there starts insulting my intelligence asking me if made a transaction for {$9.00} & said it could take days to post??? REALLY?? 

wells fargo posts debits IMEDIETLY, i have all documents to proove my complaint is valid. 

Last week the woman at wells fargo said they are having information problems. You can see how little money i have

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 2022-02-02
Company: Self Financial Inc.
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: Account information incorrect

Complaint:
My self credit card has been reporting my balance incorrectly and I've paid it off on time each month. I've reached out to self and the credit bureaus and disputed the issue and nothing has been corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
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:
The XXXX  score 8 algorithm is incorrectly penalizing my account for a delinquent payment when no such late payment is present. This delinquency is only present in the score 8 algorithm and not with any other scoring algorithm. I have checked my reports repeatedly and no delinquency is found. 

This first became an issue several years ago when I was looking at mortgages and my credit scores varied widely from agency to agency, I ultimately ended up not needing the credit so just ignored it in the hopes that whatever bug was present would be fixed. 

Recently, in XXXX 2021, I again was looking for a mortgage and was given a sub-par interest rate because of this supposed delinquency. Fortunately my partner was able to qualify independently so we were able to get an appropriate interest rate. However very recently, in XXXX of 2021, I discovered my credit limit had been reduced and when I asked for an extension I was denied. The reason was that I was given a poor score from the XXXX  8 algorithm which reported a serious delinquency as one of the major causes. 

The bank, Bank of America, informed me that the report used was generated from XXXX using the XXXX 8 algorithm. I checked my transunion report which is clean. 

While investigating this I found that it is a known problem that the XXXX  8 algorithm sometimes erroneously reports delinquent payments, for example this discussion the XXXX forums XXXX XXXX XXXX. I have attempted to contact XXXX  about this, but getting through to the right department has been difficult.

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 2018-03-14
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have paid my bill, yet it shows that my balance is unpaid on my credit report. I paid my bill on the XXXX of 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 2017-07-27
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Originally my husband and I refinanced our home in XX/XX/XXXX to combine our 1st and 2nd mortgage into one loan. I did not realize that the Loan Originator did not have my name on the loan I later found out after my husband passed away that I was not on the Note only on the Mortgage and the Deed. To my knowledge the loan was to be done as we originally had it with both of our names on the Note and the Mortgage. My issue is I am now trying to refinance under the HARP Program but because my name is not on the Note they will not report the payments that I have been making for the past 71/2 years to the credit bureaus, but have sent me printed receipts until of XX/XX/XXXX is when I received the last receipt in my name they now come in my deceased husband 's name. I really need to refinance my home so I can stay in my home. Back in XXXX the interest rate was 6.375 % for 30 years and the rates have been historically lower in the past years and could save me my home and the extra money I am saving I can do some maintenance should it be required on my home in the future. I live on a widow 's pension which is very limited and I am XXXX years old and have not been able to work for a very long time, so refinancing my home means everything to me. I tried to work with the mortgage co but no one will even speak to me now about this mortgage.
I am attaching receipts from XXXX thru XXXX in my name but they still will not report this in my name to the bureaus as they know I am the one making the mortgage payments, and I am the sole owner of the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: WSFS FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job in XXXX due to XXXX. The agreement with my company was that they would not deny my unemployment claim. I applied for unemployment the following day. A strange glitch in their system would not recognize my social security number which took 4 months to fix. I still have not received a single check from them. In the meantime I paid my bills with my vacation payout the company gave me, this included my mortgage. When I realized the unemployment situation was going to take much longer than expected. And was waiting to go in for XXXX to have glass removed from my face ( which had happened at my previous job ) and had just about exhausted all other lending options such as friends and family. I went in to the bank branch ( XXXX originally held my loan, but was recently sold to WSFS ). I was informed via mail months prior that WSFS now held my mortgage. The branch instructed me to apply for covid relief to defer my payments. I followed the instructions as instructed in XXXX. After weeks of calling the customer service number with absolutely no results I went back to the branch. In the branch, I showed them my statement ( it is worth mentioning that the bill had the WSFS logo at the top ). After an hour of waiting for the branch manager to figure out what was going on. They informed me that even though I logged in to the WSFS website to pay my mortgage ( ... and all of the other aforementioned hints that would lead one to believe that WSFS held their mortgage ), they in fact did not hold my mortgage. They were unable to access my account and instead called the same customer service line I had been calling. I will spare you all of the repeat details but, in short I have been doing everything I am suppose to do upon request. Resubmit this document or that document, you don't have proof of no income then write it on a piece of paper sign it and scan it in. I have been told complete opposite information regarding extremely important details along the way, such as being told that my house would not go into foreclosure while the application is being processed then literally receiving foreclosure notices, then calling back and being told thats all in correct. Now I am almost 6 months in to this process and still being given the run around, so much so that the branch manager who gave up trying to help me, gave me the number to a lawyer to call but he didnt know how else to help. I just got off the phone with them after being told weeks ago that my application was finally complete ( the amount of times I had to resend them the same documents is absolutely stifling. I am really just trying not to lose my house and was simply requesting a deferment while I get back on my feet from a really traumatic year. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: MAJR Financial Corp
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To whom it may concern on my XXXX credit profile I did not authorize majr financial XXXX, XXXX XXXX XXXX, XXXX  XXXX, or US SM BUS ADMIN XXXX Authorization to pull my credit profile please remove all inquiries immediately

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation