BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My business bank account has supposed judgement that enforced on XX/XX/XXXX by XXXX XXXX, I have not servered by the debt collector but there was supposed judgement sent to them when I called the county of clerk of courts they told me that no judgement has been served the case has is in processing so they are not suppose to take anything from my account unless a judge ordered it. I contacted bank of America today and ask if a judge had signed off sent the bank a letter saying that they can levy or garnish my money they said no the lawyer for the company sueing sent me them the information so basically where I am confused is how Bank of America took that and ran with with it because the documents that I have shows that nothing was signed off and nothing was awarded to the other side regarding the situation. Then Bank of America sent me a check of XXXX because they didn't tell me what the check was for I didn't know that my account was a not able to have nothing go in or out so I deposit the check back into the account so now I'm they have it part of the legal fees and refuse to cut me out another check.

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 2019-11-08
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC
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:
Chexsystems is reporting a derogatory mark on my credit from XXXX XXXX XXXXXXXX as a closed account with a negative balance due to account abuse, I was in contact with XXXX   at the time notifying them that the balance would be paid the account was closed with no warning or due date, as well theirs inaccurate information regarding addresses associated with my name on my chexsystems 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 2017-08-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
To Whom It Might Concern, XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX XXXX XXXX My name is XXXX XXXX XXXX, I am a XXXX patient, divorced, and owner of the above real property. I am struggling on my mortgage payments, I pray to keep my only home for my XXXX young kids and I would like to have a more affordable monthly payments. Recently, I got pre-approved for a Trial Payment Plan on XX/XX/XXXX for our account, the Trial Payment is {$430.00}, Chase Relationship Manager Specialist XXXX XXXX said the amount to be paying permanently will be approx close to {$430.00} and now it could be {$480.00} or more monthtly according to the new letter dated XX/XX/XXXX we just received. I am confuse of What Chase is Doing : This is higher than what I have paid before. Language of the benefit of Modification said this option make our payments or loan terms more affordable, this is not more affordable because it is higher than before. I pray Chase to do maximum year terms and lowest fixed rate so I can continue to fufill my duty to Chase as a customer and my duty as a mother to provide a roof to my young children. I do not know how long I live but day by day I struggling to pay all the bills not limit to the first Mortgage  that I am obligated to monthly. The root of the problem was I trapped in default when the amoutn we were paying was {$400.00} in XX/XX/XXXXkeep balloonly increased. It does not make sense to pay $ XXXX/m since I went fell to default for $ XXXX/m. My heart and soul do not want to have our only home to fall into foreclosure again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am looking at my XXXX XXXX to make sure everything accurate Transunion is reporting on XX/XX/2019 I made a hard inquiry with XXXX. I did not make this Inquiry and I believe it to be fraud. This was not authorized by me in any way and under the fair credit act I would like this fraud inquiry removed from any credit reporting agency 's such as Transunion. If there is any proof or video of me walking into this bank and requesting any credit card or signing something I'd be more than happy to see it. But I am 100 % sure I did not do this. 

I currently already have a XXXX credit card and am very happy with that. Just want to fix this inaccurate information. 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 2017-12-14
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
This is a XXXX XXXX card, and we redeemed on line for XXXX earned points for 3 {$100.00} XXXX e-gift cards, with the codes supposed to be delivered within 3 days by email. This was a Saturday XXXX/XXXX/XXXX and when the codes did n't come within a day - which they have before- we called XXXX customer service and rewards # s on the website. There was no option to email. We were told it could take through til a business day, which would have been XXXX, for the e-codes to be redeemed. We waited until Wed XXXX/XXXX/XXXX, about XXXX CST, to call again at the number listed and were told that rewards is closed, on a week night, and no one can help us - no supervisor available and that XXXX customer service can do nothing. The rep on the phone also said she was the only supervisor for XXXX that I could speak to, and that there is no one else. 
My complaint is this -- poor customer service that in redeeming rewards, there is no one to speak to during the business week, outside of normal business hours. XXXX CST is ony XXXX PST and even earlier elsewhere in the world. How can customers have no one to speak to, when more than {$300.00} in rewards is outstanding and no one provided any service. 
We plan to close this card as soon as all the rewards issues are resolved and all redeemed. XXXX is supposed to be a premium card- they should always, always have rewards redemption help available and an escalation process to submit an issue. Not acceptable for a fee based card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I began receiving items back which I had attempted to return, with a form letter stating it had been determined that the items were unreturnable due to extensive wear/use. I immediately called to contest this, seeing as the returned items had been either subpar quality, or unworn with tags still attached. I reached out to the corporate office and was informed that " several people '' had followed up on the situation and determined a " concerning '' history and that no re-investigation of the non-returnable items would be considered. I was also informed that it had been determined that " our business relationship was to be terminated '', though I was still responsible for the outstanding balance on the account, even though I was no longer able to dispute my returns. The return policy clearly states there is no time limit on returns, there is no explicit mention of returnable item criteria, that the times be unworn, etc. I clearly stated in my letter that the sudden influx of returns was due to several hospitalizations that rendered me unable to try on items and process the returns. It was presented to me that I somehow abused the return policy and was therefor prohibited from further returns as well as unable to contest the appropriateness of past returns, and that no money would be refunded to my account. I was told that I would no longer be able to make purchases from XXXX, despite the fact I had just been sent a platinum credit card with an increased credit limit and a letter thanking me for my loyalty to the brand. I repeatedly asked for proof of the " excessive wear '' and other alleged abuse of the items and was told I did not have access to that information. I have the items in my possession, tags attached, and am unable to wear the items due to sizing. I should not have to pay for items that I am unable to use. My account has been closed yet I was told I was responsible for all outstanding balances, even though I am being denied the opportunity for returns. 

I feel I should not be held responsible for an outstanding balance without being given the same rights of other cardholders to return items for refund when indicated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BSI Financial Services XXXX and XX/XX/2020 mortgage payments were made on time via phone payment. 
Payments were confirmed. 
They admitted that the computer system failed to apply payments correctly and would remove all negative reporting. 
Several months of emails and correspondences, the false derogatory marks have not been removed from my credit report. 
I am still in contact with them and waiting for them to make all corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a notification that an account was opened in a bank in Connecticut on XXXX XXXX. I live in New York. It showed up on my XXXX XXXX report on my credit card app I have for XXXX XXXX. I have the address and I checked them out online. Its XXXX  so I cant call because they are closed, but I have not opened any new accounts and it shows my account is current with them. I will be calling them first thing in the morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XX/XX/2020 there were funds available to take out {$100.00} when there were funds available and it shows pending and deducted out of the account then a day later our light hit the account which went in and made it negative which is fine but they charged to {$36.00} overdraft fee.This has happened numerous occasions when fund show deducted and pending.We use there courtesy pay but they charge {$36.00} for every pending sale transaction when after funds are deducted and we use courtesy pay sometime as high almost {$300.00} when overdraft fees.BB and T is the name of the bank

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 2021-04-29
Company: Sequium Asset Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was notified on XX/XX/2021 by a credit monitoring service that a collection was placed on my credit report. The debt collector is Sequium Asset Management. I called them and was in structed to pay an outstanding balance to XXXX XXXX in the amount of {$1900.00}. The debt was from a residence in XXXX XXXX XXXX Florida. I have never been to or resided in Florida and have never purchased XXXX XXXX in my lifetime. I was never notified by Sequium Asset Management or XXXX about any debt in my name. The only way I found out was because they placed a collection on my credit reports. I have filed an identity theft with the FTC, Report number XXXX on XXXX XX/XX/2021. I recommend that Sequium Asset Management be closed and employees imprisoned for committing fraud by not contacting me or verifying that the account was indeed my debt prior to reporting my account to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: Army and Air Force Exchange Service
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am corresponding about my XXXX XXXX XXXX, which is a credit account/card administered by the Army and Air Force Exchange Service ( AAFES ). I admittedly fell behind on my bill back in XXXX as I could not find work after retiring from the military after 21 years of service. AAFES began to garnish my military retiree annuity to pay the bill in XXXX. Garnishments were taken in XXXX and XXXX then they stopped. In XX/XX/XXXX, I received a letter from AAFES advising me that the garnishment would start, and specifically states " the amount of the indebtedness is {$11000.00}. I began corresponding with AAFES in XXXX about the debt as I had repaid what I owed, however my annuity was still being garnished. In addition to that, AAFES had garnished my income tax refunds. AAFES directed me to contact " XXXX '' their debt collection agency. I have never been informed in writing that AAFES has secured their services to collect the debt. Additionally, I am unsure of what role XXXX is playing as AAFES has the order in to garnish my retiree pay and AAFES has been garnishing my income tax returns, not XXXX. I sent an inquiry to XXXX and it took two separate requests ( longer than 30 days ) to get a response. In XX/XX/XXXX, I sent a letter to XXXX, courtesy copying AAFES about the balance on the debt. To date, XXXX nor AAFES has responded. In the letter which I will attach, I provided a letter from the XXXX XXXX and XXXX XXXX ( XXXX ) my pay agent, as well as copies of my retiree annuity statements showing the deductions. I demonstrated how the debt had already been repaid, in fact overpaid. I asked for the garnishments to stop, a refund for the overpayments, and asked for proof of XXXX authority to collect this debt since they are not a Texas business. XXXX nor AAFES has responded to this letter as required within 30 business days. Request assistance, prior to my contacting the FTC with AAFES reviewing the letter that was forwarded to them in XX/XX/XXXX, stopping the garnishment, stopping any future holds on my income tax return and refunding the overpaid amount.

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 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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, 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 a account without my written instructions.

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 2021-04-30
Company: Diversified Adjustment Service, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i asked DIVERSIFIED ADJ SVC to I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : Validation of the debt ( an audit trail in accordance with XXXX accounting principals ) ; Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ) ; Uniform Commerical Codes, Federal Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I contacted Transunion about Hard Inquiries that were on my credit report that I did not authorize. I did not approve of these companies to pull my credit report or get my credit score. I have been a victim of inquiry issues. Due to all these Hard Inquiries on my report I am suffering horribly as each on counts against me and I am trying to purchase a home. The list is lengthy however these are all on my credit report that don't belong : XXXX XXXX/ XXXX My name is XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Wi XXXX XXXX/XXXX XXXX  XXXX , FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, SD XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX DE XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Ut XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Wi XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX , ND XXXX XXXX XX/XX/XXXX XXXX XXXX PA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX MD XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX  XXXX NY XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX XXXX FL XXXX XX/XX/XXXX and XX/XX/XXXX XX/XX/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 2019-08-21
Company: ALLY FINANCIAL INC.
State: NJ
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:
It seems Ally Financial is not listening to me. My car payments are current according to the XXXX XXXX report it says that my XXXX payment is late and my account is not current. This is affecting my credit score. Please address this matter. I have attached a XXXX  XXXX   report to this dispute.

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 2019-03-14
Company: LoanCare, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am trying to get PMI removed from my mortgage. My mortgage company is XXXX XXXX XXXX XXXX XXXX. My home purchase price was approx 200,000.00, Property value at time of purchase was XXXX. Now my property value is approx XXXX with a principle loan balance of approx XXXX, which makes my LTV approx XXXX.

I have followed the instructions from my mortgage company and submitted my requests in writing, but I have not gotten any responses.

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 2017-08-11
Company: SYNCHRONY FINANCIAL
State: KY
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:
The address listed as current is fraudulent. Also, there are open accounts I did n't open. There are also hard inquiries I did n't authorize.

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 2019-08-21
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There are seven ( 7 ) accounts listed on my credit file with each credit bureau, XXXX, XXXX and XXXX. I was never notified of the debt so I could request for verification. Also, I would like for Medical data systems to send ma all sign agreement and obligation since they are saying I owe for seven ( 7 ) balances. This is a violation and should be looked into more. Medical has ruined my credit because of this incorrect information.Just low down

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 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT
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:
Lost job XX/XX/XXXX, behind on mortgage, mortgage refused to work it out. Hired lawyer, he worked with bank lawyer. XX/XX/XXXX I signed the property back to the bank. XX/XX/XXXX judge signed off on it. Told I owed Nothing per the agreement. To date mortgage company reporting to credit bureaus. Credit further damaged from inaccurate reporting. I no longer own the property. Now the town is trying to collect monies the mortgage company failed to pay. They also failed to change the land records.

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 2019-11-08
Company: Nelnet, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 180 days late payment on the dates XX/XX/2015. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation