BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TransUnion is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2017-08-02
Company: Live Well Financial, Inc.
State: PA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
RE : Livewell Financial , Inc. v. XXXX XXXX XXXX XXXX County Pennsylvania Court of Common Pleas No. XXXX We represent PXXXX XXXX XXXX relative to the above referenced reverse mortgage foreclosure action. XXXX XXXX was referred to us by the Area Agency on Aging. Her home is being foreclosed on because of a Tax and Insurance default cause by a temporary shortage of funds.
XXXX XXXX presented a budget that shows she has enough income to support a payment plan to pay the ongoing taxes and insurance and to cure the arrears within the 60 month time frame afforded by HUD. In fact, according to the budget presented, she could cure the total arrearage within three years. However, Live Well has stated that it is their company policy that they do not allow payment plans to exceed one year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: EQUIFAX, INC.
State: MN
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 disputed the late payments on this XXXX/XXXX XXXX XXXX account for months. XXXX  and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI
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:
There are numerous hard inquiries reporting on my credit report that may be that of someone else. I have written to all three credit agencies asking them to validate them but they have not done anything and these hard inquiries continue to destroy my credit. The only ones that I know of are a auto loan inquire from XXXX XXXX vi in XX/XX/XXXX a hard inquire from XXXX XXXX XXXX XXXX, and one from XXXX XXXX XXXX XXXX and the rest are questionable. These are being reported by XXXX, 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 2018-04-17
Company: DISCOVER BANK
State: PA
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 customer service

Complaint:
My wife XXXX XXXX mistakenly overpaid Discover billing of over {$16000.00} in XX/XX/XXXX. After the Discover Credit statement came on the beginning of XX/XX/XXXX, finding the mistake my wife had contacted Discover Card customer service on the week of XX/XX/XXXX and requested a refund check back. We have been promised on the week of XX/XX/XXXX that we should get a check sent to our home in three weeks by Discover Customer Service on XX/XX/XXXX we had contacted Discover Customer Service ( CS ) and was told the check should be there Monday on XX/XX/XXXX. A statement from discover came, but no check. Contacted a Discover CS supervisor and he had found that a check was started and then dropped. The supervisor offered a {$15.00} transfer fee to wire to our bank, because he said this should never happened and it should be no longer than two days for wire transfer to my bank at XXXX XXXX XXXX XXXX. I had contacted a CS supervisor on XX/XX/XXXX was it could take three days for wire transfer on Friday XX/XX/XXXX a supervisor put me on hold for an hour and came back to say he could not find out anything and would keep on top of it, asked for my phone number because he was sure to call me back ; he never did. One time I called after that and received a message about you won a free cruise because of a survey, all I had to do was to pay port fees and then the phone line went dead. Other attempts were made to get our money back to no avail. The latest Discover would give a time line when we could receive our money back and stated " We must follow certain guidelines when a credit balance refund is requested on an account. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: JPMORGAN CHASE & CO.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Payroll check for amount {$2900.00} was deposited on Friday XX/XX/18 into joint account shared with my wife. Chase has put a hold on this check and is collecting NSF fees of {$34.00} each occurrence on my auto pays because they continue to have my payroll check on hold for unknown reasons. 

Payroll at my company and XXXX who have issued the check have explained there is no reason why Chase should put a hold on a payroll check. Everyone else has been paid at my company from the same payroll.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-20
Company: COMMUNITY BANK SYSTEM, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 I made a couple of withdraws at my bank - Community Bank NA, the XXXX NY location. I'd like some information regarding their withdraw policies, as the teller that processed the withdraws gave me some pushback about pulling money out of my account. I explained that I needed the cash so I could pay off two vehicle loans and immediately get a lien release for both from the bank holding my loans. Specifically, she stated that customers should " call ahead to ensure enough cash is on hand for large withdraws ''. Where is that policy authored and available for me to see? This was not a " large '' amount of cash - it was barely over {$10000.00}. I would expect that this is likely a small transaction in XXXX. Also, while she was processing it, she came back to the window asked me what I did for work, to which I replied " collections ''. She then asked what type of collections, to which I replied mostly healthcare. Why is she probing me for my profession? This was not friendly conversation - it was interrogation. I want a copy of the policy that advises the tellers to probe people that are taking money out of their accounts ( I had already provided her with my license ). I received chat follow-up from a " XXXX '' that was not helpful at all. She stated I should contact the local branch for questions related to federal regulations. If they're federal regulations, why wouldn't she be able to provide that info - seems it would apply to every branch in the US.

I want the following done ; *I want to know why I was rudely advised that I should " call ahead to see if there is enough cash on hand to support a withdraw '', as to my knowledge there is no policy requiring customers do this. 

* I want to know the DOLLAR amount that would require me to call ahead to do a withdraw. 

* I want to know why she asked my profession, and once I advised I work in collections, why she needed to follow up with " what type of collections '' before she would continue processing my withdraw

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
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: Information belongs to someone else

Complaint:
It has been proven that you are not obstructing records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$0.00} XXXX BANK XXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$1600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$7500.00} ( Original Creditor : XXXX AT XXXX ) XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX XXXX : {$920.00}

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 2018-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 information incorrect

Complaint:
Prior to my late payments with Bank of America I paid thru mobile app and would transfer money fro checking to credit card payments but one month I pressed bill pay and they decided not to take payment, but it was taken from account. They decided to mail me a paper check for the payment instead of applying it to my account for two months in a row. Once they realized mistake they credited money to me and closed my account which I didnt want. want!! I made the payment and they made a late fee adjustment on XX/XX/XXXX and also XX/XX/XXXX but then on XX/XX/XXXX they returned payment. Why would they make adjustment but not take late payment 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 monetary relief
Consumer complaint received 2018-03-27
Company: BMW Financial Services NA, LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XX/XX/XXXX, I suffered some financial, personal and physical hardships due to Hurricane Irma in Florida. 
As a result of my circumstances, I contacted my creditors of which one was BMW financial services. I had heard that they had a disaster relief program that afforded their customers the opportunity to enroll in their loan deferment based on such disaster circumstances and needs. 
The terms that were discussed and extended to me was that I would be able to receive up to 3 months skip payments without any penalties. The reason being was that these payments would be placed at the end of the loan and in addition they will not be reported as delinquent to any of the credit Bureaus. 
Needless to say, the exact thing they told me would not happened, actually did. From XXXX to XX/XX/XXXXmy credit score was between XXXX and XXXX with no skipped, late or missed payments. I have had a vehicle financed with BMW Financial Services from XXXX, up to present and have never been 30 days late or missed a payment throughout the entire period. 
At the end of XXXX, my score went from XXXX to XXXX where it is currently based on the report that was sent to the credit bureau by BMW. In essence, the three months they agreed to not report any late payments, it is now showing 30, 60 and 90 days delinquency on my report via BMW Financial Services. 
I have spoken to BMW and they have disregarded everything that was agreed with me and instead seemed more concerned with placing blame and stating what their police is. The fact is that I had other options and would have taken those one of those option rather than have my credit score drop to the such drastic level based on untruths and lies. 
In closing, let me say that this situation has already affected my ability to do financial stuff in my life. I have turned XXXX years old recently and had been making plans to buy a small cheaper condo. However, the sudden reality for me now is that my current Credit status has already began to affect my ability to buy something reasonable in XXXX Florida even though opportunities exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Netspend Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
XXXX is having direct deposit problems, they blame Netspend and I can not access my money and Im having a big problem with my mortgage payments. XXXX or Netspend did not give any heads up on this problem

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 2018-04-17
Company: Experian Information Solutions Inc.
State: MS
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 XXXX XXXX account No. XXXX out of XXXX XXXX, Tx submitted a delinquent account on my behalf, XX/XX/XXXX. I did not apply for credit with XXXX bank and they list an address of XXXX XXXX XXXX XXXX, XXXX, Fla.XXXX. I have NEVER lived in XXXX. This account is not MINE. 
I wrote a letter to Experian, disputing the report. I sent them copies of my bills at my present address, which I have lived at since XX/XX/XXXX, and proof of my previous address for 27 years prior to that. I sent a copy of my Ms. drivers license, copies of my cable bill, copies of the security system, copies of my power bills, etc, proving that I live at XXXX XXXX XXXX XXXX, XXXX, Ms . 
I mailed all of this on XX/XX/XXXX, signature required. I received Experian 's reply today XX/XX/XXXX, stating it would remain on my credit report. 
Can you help me. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: CITIBANK, N.A.
State: NY
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 reviewing my credit report and found a late payment on the date below : XX/XX/2016. 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to 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 2018-10-16
Company: Netspend Corporation
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Netspend holding direct deposit.

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 2018-10-16
Company: Netspend Corporation
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have direct deposit set up with netspend. My payroll company sent my paycheck to them on XX/XX/XXXX and its now XX/XX/XXXX I have not received a single cent from them. I have mad over 20 calls and sent 5 emails all i get in replay is they are having an issue will be fixed soon. I looked online and they have been doing this to many customers over the last 5 days

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
While I was paying my bill I got laid off from my job. I called the company asking for what I can do to lower payments or what do they do for someone who lost their job. I was told that their wasn't a program available during that time. I call someone else after and they told me that they do have programs available, but the program that was offered I could not do. While I was about the finished the call the person said a really cruel remark to me and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
1. I made reservation for stay at XXXX XXXX on XX/XX/2020 for the amount of XXXX USD but I didn't receive my {$300.00} XXXX annual statement credit for XX/XX/XXXX-XX/XX/XXXX. 2. I spoke with customer service in XX/XX/2020 regarding extending the expiration date of my XX/XX/XXXX-XX/XX/XXXXannual {$300.00} XXXX statement credit. The customer service rep asked me to wait a week and assured me that I would receive an update before the credit expires. However, the customer rep did not provide an update, and as a result, I was not accurately notified of an accurate expiration date as a result of negligence on the company 's service. I waited because of the request made by the company. If I knew the credit would expire and that there is no update coming from the company, I would confirm and make sure I would spend the credit before the expiration date. I requested resolution from the company, but didn't receive resolution. Conversation ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/18, Paypal informed me that my account was " limited '', meaning deactivated. They would not give me a specific reason but they did inform me they will be holding my funds for 6 months. I have over {$850.00} available for withdrawal and another {$800.00} on hold in that account. Even though my funds are " available '', they blocked me from transferring or accessing any of it. This is a lot of money, hard-earned money, and I desperately need it. I can even provide assurance that there will not be a dispute on the majority of the money because that customer has returned and placed a second order. She is willing to confirm that as well. How can they legally do this? Who allows someone to return an item or file a dispute six months after purchase? That is utter nonsense. It's bad enough that I can no longer use that platform because most of my business transactions were processed through Paypal. I am very limited at this point and my sales are down because I can not sell on XXXX without Paypal access. All of my XXXX customers use Paypal only. Third-Party selling sites, like XXXX, charge enormous fees to sell on their sites. My income has been more than cut in half and I can not even access what little I do have. I am in dire need of help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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've seen no changes for the accounts that I have filed last month, I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation