BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-02
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
1. In or about the end of XX/XX/XXXXor beginning of XX/XX/XXXX I made a complaint about an unauthorized charge on my account.

2. At that time I notified the customer service representative that an final determination notices should be sent to my new address.

3. On XX/XX/XXXX after realizing the provisional credit that was granted had been retracted and causing an overdraft fee for five   transactions.

4. According to the customer service representative the address to which any notices should have been sent was not annotated.

5. I never received any notice directing me to forward any further information in regards to my complaint.

6. At the time the five transactions occurred I had funds in my account.

7. The retraction of the provisional credit caused my account to be overdrawn.

6. I would like the {$170.00} in overdraft fees returned to my account as they were not appropriately applied.

8. I also had overdraft protection during the time that those transactions occurred.

9. TD bank retracted the provisional credit did not occur on the date that is indicated on my mobile banking app.

10. TD is engaging in unfair consumer practices.

11. I have called numerous times and this issue has yet to be resolved.

12. TD bank has the duty to make me whole again.

13. TD bank phone calls are recorded, they should have pulled my previous phone calls and would have heard that a new address was previously provided.

14. TD should take accountability for their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I filed FTC Report because i found fraudulant items on my credit report and nobody will help 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 non-monetary relief
Consumer complaint received 2023-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Complaint against XXXX, XXXX, XXXX, and Capital One for non-compliance with the Fair Credit Reporting Act Dear Sir/Madam, I am writing to file a formal complaint against XXXX, XXXX, XXXX, and Capital One for their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) concerning the investigation and resolution of a disputed late payment on my Capital One credit card account. The singular late payment in question is reported for the month of XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX and XXXX. As a result, it has been viewed as two 30-day late payments by creditors that have turned me down for service. As a result of my information being hacked, I had limited access to my account for the month of XXXX and XXXX due to unauthorized access through an internal cyber attack by an XXXX software Engineer " XXXX XXXX '' that was found guilty in XX/XX/XXXX for the commission of a cyber attack against Capital One and other banks utilizing XXXX 's data centers Between XXXX and XXXX of XXXX, I submitted a dispute to all three credit bureaus and Capital One regarding the inaccurate late payment, informing them of the cyber attack that affected my account, and that they reflect different dates on each report. Under the FCRA, 15 U.S.C. 1681i ( a ), the credit bureaus are required to complete their investigation and provide a resolution within 30 days of receiving the dispute. However, it has been more than 30 days since I filed the dispute, and none of the credit bureaus have provided me with any information, or a resolution of the matter. 

As per the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ), if a credit bureau fails to complete the investigation within the stipulated 30-day period, they are required to promptly delete the disputed information from the consumer 's credit report. In light of their non-compliance with the law, I request the immediate removal of the inaccurate late payment from XXXX XXXX from my credit reports, as it is adversely affecting my credit score and causing me financial harm. 

I have already tried to resolve this issue directly with XXXX, XXXX, XXXX, and Capital One but they have not taken the necessary steps to rectify the situation. As such, I am seeking the assistance of the Consumer Financial Protection Bureau to ensure that the credit bureaus adhere to the FCRA and remove the inaccurate information from my credit report as soon as possible. 

I appreciate your attention to this matter and look forward to your assistance in resolving this issue. If you require any further information or clarification, please do not hesitate to contact me via phone at XXXX or email at XXXX. 

Link to the Cyber Attack Explanation from Capital One XXXX XXXX XXXX XXXX Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for a credit card with a promotion offering three complimentary nights, but unfortunately, I did not receive them even after meeting the requirements. I contacted the company on XX/XX/XXXX, and was informed that the certificate had been issued on XX/XX/XXXX. They assured me that they would re-issue the certificate and I should receive it within 10 to 14 business days. However, I did not receive anything for the next three weeks. After contacting them again on XX/XX/XXXX, they informed me that I would need to wait another 10 to 14 business days, and that was all they could do. As a result, I would like to file a complaint regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Here is a random look at the mortgage transactions for the past year XXXX : - XXXX. On XX/XX/XXXX on their website it indicated there were 8 fewer payments with 85 payments remaining which meant I will still have to pay until the maturity date of XXXX, XXXX although it indicated the pay off date was XXXX, XXXX. Unfortunately I did not take a screen shot of their website! 
2. On XX/XX/XXXX on their website it indicated there were 4 fewer payments with 83 payments remaining which meant I will still have to pay until the maturity date of XXXX, XXXX although it indicated the pay off date was XXXX, XXXX. 
3. On XX/XX/XXXX on their website it indicated there were 3 fewer payments with 82 payments remaining which meant I will still have to pay until the maturity date of XXXX, XXXX and it indicated the pay off date was XXXX, XXXX. 
4. On XX/XX/XXXX on their website it indicated there were 3 fewer payments with 81 payments remaining which meant I will still have to pay until the maturity date of XXXX, XXXX and it indicated the pay off date was XXXX, XXXX. 
5. On XX/XX/XXXX on their website it indicated there were 4 fewer payments with 80 payments remaining which meant I will still have to pay until the maturity date of XXXX, XXXX and it indicated the pay off date was XXXX, XXXX. 
6. On XX/XX/XXXX on their website it indicated there were 3 fewer payments with 78 payments remaining which meant I will still have to pay until the maturity date of XXXX, XXXX and it indicated the pay off date was XXXX, XXXX. 
7. On XX/XX/XXXX on their website it indicated there were 3 fewer payments with 74 payments remaining which meant I will still have to pay until the maturity date of XXXX, XXXX and it indicated the pay off date was XXXX, XXXX. 

Why is it that the number of few payments keep changing up and down from 8 to 4 then 3 and then to 4 and again to 3? The pay off dates keep changing erratically! Where is the extra principal being paid going? 

This is PREDATORY since " Predatory lending '' has become shorthand for describing a variety of lending practices that may be disadvantageous to borrowers. It can mean any type of abusive lending practice where the lender benefits through unworthiness, deceit, misrepresentation, bad faith, or dishonesty. Can you really dispute this? Certainly the records show unworthiness, deceit, misrepresentation, bad faith, or dishonesty.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: Professional Credit Analysts of MN, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
From or around XXXX thru XXXX my identity has been used by others who lived with me or family members that didn't live with me but knew my information, they used my personal info to receive credit, loans, items under my name. They used my computer, internet, phone, address, personal documents. They had access to all of this because I kept my files in my home fully accessible. I did not monitor my credit report on a timely basis, however some credit issues are just appearing that are dated years back. I'm being haunted with all these issues now.

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 2023-01-22
Company: NAVY FEDERAL CREDIT UNION
State: MD
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:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is not accurate this is grounds for removal. 

They also violated my rights under 15 U.S.C 1681 section 602A States I have the right to privacy.

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: BC SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX ( address XXXX XXXX XXXX, XXXX, CO XXXX, phone XXXX ) is attempting to collect money for estimate from XXXX XXXX ( XXXX XXXX XXXX, XXXX, CO XXXX, phone XXXX ). This estimate was not signed or agreed upon.

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 2023-04-13
Company: Central Portfolio Control Inc.
State: IN
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:
There is a collection for a company on my XXXX credit report called Central Portfolio Control. I have never been notified by this company and I don't have an outstanding debt with them, This needs to be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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, 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 I request due to errors on account status and payment history the account be removed immediately from transunion, XXXX, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
This is not accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX BANK 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 non-monetary relief
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: NC
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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-24
Company: EQUIFAX, INC.
State: FL
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:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: Square Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received a cash app visa debit card I did not apply for. I tried to call Cash app and their XXXX the company did not reply. I've already reported fraud on another account. I'm frustrated that these companies just allow people to apply and send visa debit cards for them to scam other people in innocent peoples names. I placed a fraud alert with all 3 credit agencies, so they clearly used my social and didn't adhere to the alert. I want them to delete this account immediately. I want them to send me confirmation it's been deleted. This is fraud!!! I also think some sort of class action lawsuit should be filed on all companies allowing this to happen. They are supporting scamming and should be held accountable. Please please file this complaint with Cash App/ Square and ask them to delete NOW and notify me it's been done. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
on my credit file with XXXX  they have wrong personal information the social security number does not belong to me as well as several accounts that dose not belong to me Im asking that you all look into this matter ..my information was always involved in a data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: TX
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 Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and 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 2023-04-13
Company: SYNCHRONY FINANCIAL
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023 I initiated an online external money transfer of {$200000.00} from a XXXX XXXX  account under the name of my trust to Synchrony Bank. I have documentation from XXXX that the transfer went through to XXXX XXXX. I have email documentation from Synchrony Bank on XX/XX/2023 that there was a pending transfer from XXXX of {$200000.00}, and the expected delivery date into my Synchrony account would be XX/XX/2023. 

On XXXX, XX/XX/2023 I received an email from Synchrony Bank stating that my XXXX account was temporarily suspended from using the funds transfer service. I personally went into XXXX XXXX  and spoke with XXXX XXXX, XXXX XXXX. She confirmed that the {$200000.00} had been sent to Synchrony Bank, and that it was not pending return to XXXX. I phoned Synchrony Bank at approximately XXXX XXXX while meeting with XXXX XXXX, and spoke with a representative who told me there was confusion with the transfer since it was originating from a trust account at XXXX. My Synchrony Bank account is under the same XXXX. She contacted a Synchrony Bank XXXX Supervisor named XXXX. He confirmed with her that the {$200000.00} transfer would be sent back to our XXXX account and would be at XXXX within 24-48 hours. 

As of today, XX/XX/2023, Synchrony Bank has not transferred the funds back to my XXXX account. This {$200000.00} is also not appearing in my Synchrony Bank account. These funds appear to be lost. 

I again phoned Synchrony Bank this morning, on XX/XX/2023 at XXXX XXXX., and the representative, XXXX, informed me that there was no one available who could help me with this missing {$200000.00} missing transfer. I left my phone number and asked for either XXXX or XXXX to call me back. 

It is absolutely unacceptable that Synchrony Bank can 'lose ' {$200000.00}, and not have anyone available to help locate these funds. Please help with a resolution. 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 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX submitting yet another CFPB Complaint to the Credit Reporting Agencies to request once more to investigate my Credit File since I believe that the Credit Bureaus have not yet done their most effort. I am submitting this CFPB complaint in response to the recent investigation conducted by the Credit reporting Agencies. I do not agree with their findings and I am requesting for the complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus once more, for more information regarding these particular accounts in question : XXXX XXXX XXXXXXXX Balance Owed : {$700.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$22.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$1400.00} XXXX XXXXXXXX Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-01-23
Company: Experian Information Solutions Inc.
State: IL
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:
ON XX/XX/2021 I SUBMITTED A COMPLAINT WITH CONSUMER FINANCIAL PROTECTION BUREAU ABOUT CREDIT INQUIRIES THAT ARE REPORTING ON MY CREDIT REPORT THAT I HAVE NOT AUTHORIZED WITH ALL THREE CREDIT BUREAU. IT HAS BEEN OVER 30 DAYS AND THESE INQUIRIES HAVE NOT BEEN REMOVED FROM MY CREDIT REPORT. I HAVE OVER 20 HARD INQUIRIES DAMAGING MY CREDIT REPORT AND WOULD LIKE THEM TO BE REMOVED.

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 2023-03-14
Company: Synergetic Communication Inc
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I mailed letter telling them that debt was paid years ago. But I'm still receiving letters. This debt was paid in 2017 It was paid 6 yrs. ago and is still reporting incorrectly for 6 yrs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation